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Sometimes, as many have said, throughout the generations...Kids can say the darnedest things. However, as we all know, they can also "repeat" the worst words, phrases and slogans. Most times it can be cute as hell, but this? This is maddening: "HUH?"
17 BellaBuddies left comments! Ya know ya wanna!!:
- ~Just me again~ said...
LOL @ Partridge family lunch box, that's too funny.
Don't you just hate when teachers do that? It's like the all time how do you spell this word? They reply with look it up in the dictionary. What is up with that? If you can't spell it, how can you look it up?
- August 28, 2009 at 7:59 AM
- Jason said...
too funny. I miss my Masters of the Universe lunchbox...
I am far from a proper English user(see what I mean).
- August 28, 2009 at 8:22 AM
- Teacher Tom said...
You might want to get going on "like" as well. Our middle schooler can usually control her "likes", but with her friends it's like every second like word. Arg!
Another phenomenon are the kids who can't enter into a conversation without starting with "Guess what?" It's truly an amazing thing. I had one boy a couple years back who was simply incapable of speaking with starting with "Guess what?"
- August 28, 2009 at 9:09 AM
- Otter Thomas said...
I had to get a new favorite lunch box every year. I loved it when they were still metal. You could maim someone with those things. Of course being a country boy The Dukes of Hazzard was my favorite.
- August 28, 2009 at 9:28 AM
- Melisa with one S said...
I think I had a Brady Bunch lunchbox. :)
My mom nipped the "Huh" usage at home by...not answering us. Example:
Mom: "Missy!" (that's what they used to call me)
Me: "Huh?"
Mom: Silence.
Me: "HUH?"
Mom: Silence.
Me: getting up and going to where mom was.
If I happened to be in the room with her in the first place, it only took one "Huh" and one pregnant pause before I snapped out of it and would say whatever was appropriate. :)
Then my kids did it, and I had to correct THEM. :)
- August 28, 2009 at 12:51 PM
- Reservoir Dad said...
If the worst you child comes up with is 'huh' you've got nothing to worry about. And if I could manage to teach myself to stop myself from swearing 100+ times a day I wouldn't have anything to worry about either.
- August 28, 2009 at 4:22 PM
- surprised mom said...
I only had Patridge Family ALBUMS, not lunch boxes. There were six of us at home and we brown-bagged it. If one got a lunch box, we'd all have to get one, so brown lunch bags were it. I feel deprived. I would have LOVED a Patridge Family lunch box.
The photo of Bella is very cute. I thought it was her first day of preschool outfit. No matter, when she goes to school she'll be the best dressed there.
HUH? I think all kids pick this up at one point or another. The word that bothers me is WHAT said in a certain tone of voice. You could almost hear, WHAT, you're bothering me!
I was an English/Communications major in college. I love writing and manipulating the language. Do I always use the English correctly? No. But mostly it's deliberate. And I hate to say it, I always look up words I don't know how to spell . . . sorry.
- August 28, 2009 at 7:10 PM
- PJ Mullen said...
I think my favorite was a GI Joe lunchbox I had when I was in school.
I used to have a teacher that would crucify you if you used 'done' in relation to something you did. If you said 'I'm done'. She'd stop writing on the chalk board, and without even looking, she would say your name and go 'turkeys are done, people are finished' and resume writing on the board. That has been burned into my memory forever.
- August 29, 2009 at 6:41 AM
- Scott said...
I feel left out of the whole lunch box thing. My family usually brown bagged it. Although those bags were pretty sweet too!
- August 29, 2009 at 9:29 PM
- WeaselMomma said...
You poor thing! A Partridge Family lunch box and an embarrassing self soiling in front of the class! How many years did it take to live it all down?
- August 30, 2009 at 7:03 AM
- RecycledDad said...
Teachers who humiliate students to make them use precisely the 'right' word are Pharisees. What would be wrong with just saying, "Yes, you *may* use the restroom"?
- August 30, 2009 at 8:52 AM
- KWG said...
How adorable is that Bella outfit!
When I was 7 I was at summer bible day camp and was so shy and embarrassed to ask to go to the bathroom that I peed my pants on the way home. And then got spanked.
I learned to say a lot after that.
- August 30, 2009 at 11:07 AM
- ciara said...
HUH?? lol just kidding
i'm so grammatically, politically, psychologically, you-name-it-ically incorrect and here i am going back to college lol
i used to have a bugaloos lunchbox and i loved it. wish i still had it, back a few yrs ago it was worth a pretty penny. *sigh*
i had a big crush on david cassidy way back when *double sigh* lol
i'm sure you'll get bella out of the 'huh' habit. when you're finished w her, can you work on me? but i'm thinking 'huh' is the least of my speaking habits :-/ can we say, 'like a sailor?'
- August 30, 2009 at 11:39 PM
- Divine Chaos said...
I hate the "HUH" too, lots and lots and lots. I just ignore my daughter when she does it. If I don't respond to it, she usually responds to whatever I said that got the "huh" in the first place.
It does make me want to just rip my hair out and shriek, though. ugh!
- September 2, 2009 at 3:28 PM
- Jeve (aka John and Steve) said...
I guess I should kick the 'huh' habit as well if we're going to have kids.
- September 2, 2009 at 7:09 PM
- surprised mom said...
Huh? Whatever.
Want to see me grit my teeth, just say those two words in combination, or the second word. It became a favorite of the oldest. I ended up yelling at her whenever she said "Whatever" in THAT tone.
- September 2, 2009 at 8:00 PM
- Janie Woods said...
My lunchbox was Penelope Pitstop. I rag my sons constantly about can/may (me and him/he and I). Unfortunately, I don't think the teachers do it so often. Probably because most of them grew up saying, "Huh?"
- September 4, 2009 at 6:44 AM
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Writers should know how to sell their books.
They should also know when to sell their books. And when to sell their peers' books.
As a writer, you will have countless opportunities to meet potential fans and try to interest them in your writing. Booksignings, book festivals, conventions, conferences, library talks, and speeches all offer opportunities to pitch and sell.
But, sometimes, your kind of book isn't the right kind of book for the person you're speaking with. They may only read historicals, or hate books about serial killers, or enjoy cozies with mystery solving cats, or only read female protagonists, etc.
That's a perfect opportunity to pimp your friends.
The situation arises all the time. You're chatting with a potential buyer, discussing the types of mysteries she reads, and your book clearly isn't her cup of tea. But over the course of the conversation, you realize she'd really like X written by your good friend, so it is your duty to put that book in her hands and talk it up.
I do this all the time, and have sold many books written by many of my peers. I've also gone into bookstores and faced out friends' books, and recommended them to the booksellers, insisting they give it a read.
People genuinely respond to recommendations. When you sell your books, there's obviously self interest involved. But when you sell other books, you come across as selfless and helpful.
I go so far as to approach people in bookstores who are buying a book, and telling them about other books they'd like that are similar.
For example, any time I see someone buying Clive Cussler or Tom Clancy, I pimp James Rollins and David Morrell. If people are buying John Sandford or James Patterson, I pimp Tess Gerritsen, PJ Parrish, MJ Rose, and Rebecca Drake. If someone is holding a Lee Child, I tell them about Barry Eisler, JD Rhodes, Harry Shannon, and Mark Terry. If someone has a Robert B. Parker, I mention Harry Hunsicker and Jeff Shelby. If someone has a historical, I steer them to Tasha Alexander. Chick lit readers get Melanie Lynne Hauser. Evanovich gets Karen E. Olsen and Brian Wiprud. Hiaasen gets James O. Born, Bob Morris, and Tim Dorsey. Grisham or Turow get David Ellis. YA gets Alexandra Sokoloff and Wayne Thomas Batson. And so on, with dozens of other writers that I know and like.
While on tour with the Rusty Nail 500, I tag-teamed many stores with many authors. While we pitched to booksellers, we'd invariably run into some customers.
What I did a lot of, during these tag-team drop-ins, is pimp the author I was with. Not that I didn't want to sell my own books, but sometimes I had a feeling the reader would like my companion's books more. Or sometimes I'd be Mr. Selfless, and try to help my friend sell their books. Or sometimes I'd pop my head in while my friend was doing their pitch, and reinforce it, assuring the customer it is a worthwhile purchase.
On many occasions, my friends did the same thing for me.
This holds true for any occasion when there is more than one author present. Yes, we all have an overwhelming desire to sell ourselves, but sometimes it's damn cool to pick up your buddy's book and tell someone, "You'll love this, trust me."
I can't count the number of times I tag-teamed a bookstore and a customer wound up buying both of our books.
As you forge lasting friendships with peers, you'll soon fall into a natural rhythm and be able to sell their books automatically, without even trying.
This isn't a competition. We're all in the same boat, and helping each other is smart business. It reminds me of an old church sermon about heaven and hell.
Hell is a huge banquet, with every possible delicious food imaginable. But everyone seated at the table is miserable, because the only way to eat is with forks that are ten feet long, and no one can feed themselves.
Heaven is also a huge banquet, with delicious food. And heaven also has forks that are ten feet long. But in heaven, everyone is happy, because they're feeding each other.
Feed each other. Pimp your peers.
Saturday, December 09, 2006
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I'm going to be super busy this month on a personal project, along with finishing up the next Timecaster book.
I've created a blog for my project here:
As you can see by the URL, I'm going on a diet. A very special diet where I won't eat any food for 30 days.
Instead, I'll subsist on beer.
Yes, I'm serious. One unintended side-effect of the ebook revolution is that I spend 17 hours a day in front of my computer, and the only real exercise I get is sex, which amounts to about three minutes a week.
As a result, I've become a real fat ass. But there's no way I'd ever give up beer, which I love. So instead I'm going to stop eating.
I started today.
I think this is a really good idea, but that may be because I've been drinking all day on an empty stomach.
The Newbie's Guide will continue, mostly via guest posts. If you've sent me a a guest post, keep an eye out because I may post it without any warning.
I've gotten a lot of email about the KDP Select Program from writers asking if I endorse it or not. Though December ended, we won't find out how much each pro rata borrow share (of a $500,000 pot) is worth until later this month, so I can't comment on that. But those of you who were paying attention noticed I released most of my ebooks for free during the last week of December.
The ability to make your ebook free to all Amazon customers (not just Prime members) for a period of five days is a perk of the KDP Select Program. And quite a perk it is. Making my books free helped get them onto the free bestseller lists, and when the free period ended many of them got onto the paid bestseller lists.
But you want numbers, right?
I won't have the exact figures until I get my December totals from Amazon, but I'm pleased to say that from Dec 25 - Dec 31 I made more than $50,000.
It has slowed down a little since then. Yesterday I made about $5500, and today I'm currently (6pm) at $4000.
I'm curious to see what Amazon will give authors per Prime download, because I've had a few thousand of those.
I've seen a lot of grumbling over the fact that inclusion in the KDP Select Program means making the title exclusive to Kindle. Obviously, I don't see a problem with that. Besides, it is only for three months.
Ebooks are forever, remember?
I still can't give the program my full endorsement until more data comes in, but so far I'm thrilled with it. I also have to admit that even though I scored big with two titles, The List and Trapped, my many other titles aren't doing nearly as well. The List, which is still in the Top 100, has sold 2832 copies this year, with 1153 borrows. Shot of Tequila is at 547 sales, and 167 borrows. Origin is 458 sales and 245 borrows. Trapped is 319 sales and 192 borrows, and Endurance is 207 sales and 154 borrows. So even if we take The List out of the equation, my other top-selling titles are earning me about $800 a day, or $300k a year, which ain't chump change.
How long will this last? I dunno. Perhaps I just caught the perfect wave, and this will be impossible to replicate.
But remember my New Year's Resolutions list, when I talked about doing experiments and taking chances?
I took a big chance, making my ebook free during the Christmas holiday week. I could have lost a bundle. Instead, I was lucky it paid off. No guts, not glory.
That said, in 2011 the months of January - April were very good months. I don't see why they won't be good this year as well.
Happy new year, everyone! I gotta go crack another beer.
Monday, January 02, 2012
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Story highlights
- Speaking in Bratislava, Slovakia, ECB President Mario Draghi said the central bank is "ready to act if needed."
- Rahman said ECB may be reluctant to announce new support measures because it breeds political inertia
- Greece, Spain are both suffering with unemployment above 27% while Italy struggling with high government debt
Backed into a corner and desperate; That's the view of some economists watching the European Central Bank's latest attempts to curtail the euro bloc's recession.
Thursday's interest rate cut, designed to combat a three-year debt crisis, will not stimulate economic growth in the bloc, they say.
Less than a year after the ECB President Mario Draghi buoyed the markets with his promise to do "whatever it takes" to keep the currency together, the central bank's governors move has left some economists questioning whether the ECB has reached the limits of its power.
Speaking in Bratislava, Slovakia, ECB President Mario Draghi said the central bank is "ready to act if needed." But the Italian shied away from announcing any extraordinary policy measures such as another "big bazooka" to increase bank liquidity or the unlimited purchases of government debt -- known as OMTs -- for troubled eurozone nations that sparked controversy in September.
Joerg Rocholl, president of the European School of Management and Technology, told CNN that the rate cut is "a desperate move," and means the ECB can avoid criticism that it is "overstretching its mandate."
Despite the ECB's commitment to bankroll ailing eurozone nations who request a full sovereign bailout by buying up government bonds, it has so far resisted the temptation to implement aggressive monetary stimulus.
That intransigence puts it at odds with many of its peers around the world.
The Bank of Japan, the Federal Reserve and the Bank of England have all embarked on a process of quantitative easing -- increasing the supply of money in the economy -- while also introducing other policies such as an unemployment benchmark and a funding for lending scheme, intended to encourage banks to loan to small businesses.
Mujtaba Rahman, head of research firm Eurasia Group's Europe practice, said Draghi "exhausted" his political capital when he introduced the OMT program in September. Italian and Spanish bonds, which had been been weighed down by market uncertainty, rebounded.
Rahman added the ECB may be reluctant to announce new support measures because it breeds inertia among politicians looking to push through changes, such as a banking union, needed to bring Europe closer together.
He said: "The wind has gone out of the sails on banking union. Once you announce intervention, you remove the incentive for countries to put the necessary structures in place."
He told CNN that "shovelling money" to small businesses in peripheral Europe is the most likely next step for the ECB, but says the German elections and legality of the ECB's current bond-purchasing program are obstacles to any extraordinary policy announcements in future.
With the worst hit countries in Europe in a depression and unemployment rising, the ECB could be forced to take more action, in addition to the current measures, to prevent the crisis worsening.
Greece and Spain are both suffering with unemployment above 27% while Italy is drowning in a government debt of almost 2 trillion euros ($2.6 trillion), according to Eurostat -- the European Commission's data service.
Joerg Kraemer, chief economist at Commerzbank -- Germany's second-largest bank -- would expect the ECB to cut the deposit rate to negative territory before putting in place any other non-standard measures such as a loan scheme for small businesses.
He said that the central bank is "in a corner" and has already exceeded its mandate significantly. Peripheral countries must stop expecting the ECB to come up with solutions to problems that should be solved by governments, he added.
"We are already seeing drastic action," Kraemer told CNN, "the ECB has a very expansionary monetary policy, which I personally think, is too expansionary."
He added: "This immediately puts the reform pressure off the peripheral countries and especially Italy. Without far reaching reforms you don't solve the reasons and the causes for the sovereign debt crisis."


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Originally published November 18, 2012 at 04:21p.m., updated November 18, 2012 at 06:06p.m.
Sometimes it pays to have a short-term memory on the basketball court.
Kansas University's women's basketball players didn't let a string of blown layups shake their confidence against Wake Forest on Sunday afternoon at Allen Fieldhouse.
Although the Demon Deacons took a two-point lead with less than three minutes remaining following three straight KU misfires from point-blank range, the Jayhawks found their touch down the stretch and held off Wake Forest, 64-58.
"No one was getting really nervous," Kansas senior forward Carolyn Davis said after scoring a game-high 22 points in 27 minutes. "We just tried to stay in the game, understand our game plan and go out and be aggressive and try to get the score back."
The Jayhawks' stretch of failed layups began near the three-minute mark, when senior guard Monica Engelman took a steal to the rim and missed. Senior point guard Angel Goodrich tipped the rebound to Davis, who couldn't connect on the put-back. Later, Goodrich drove to the paint and missed another layup.
After Wake Forest junior guard Chelsea Douglas knocked down a three-pointer to put KU in a 54-52 hole with 2:24 left, Davis posted up in the paint, Tania Jackson bounced an entry pass to her, and Davis scored with a quick turn-around while drawing a foul. The senior forward's free throw and three-point play with 1:57 to play gave Kansas the lead for good.
KU coach Bonnie Henrickson said her team executed better in the final minutes, under pressure, after missing open layups and jumpers throughout the afternoon.
"How many of those shots are uncontested? Uncontested," Henrickson said. "We've just got to calm down and knock one down."
The Jayhawks missed another lay-in on a drive by Natalie Knight with 1:15 left, but Jackson — getting her first start of the season and just the 13th of her career — grabbed the offensive rebound, drew a foul and calmly knocked down two free throws to give KU a 57-54 edge.
Jackson, who finished with 11 points and nine rebounds, didn't find out until after a morning shoot-around that she would be starting. But the junior from Lawrence High found a way to produce in a tight game.
"I just tried to do what I do best: rebounding and crashing to the boards hard," Jackson said. "If the opportunity comes to score a layup or hit a jump shot, I'll do my best to knock it down."
After Wake Forest sophomore forward Dearica Hamby's free throws cut KU's lead to 57-56 with 1:01 to play, the Jayhawks' back court helped seal the team's 46th straight nonconference regular-season home win. Goodrich (13 points, three assists) hit a pull-up jumper near the foul line with 42 seconds left, and Knight followed it up with a steal and layup, extending the Kansas lead to 61-56.
Henrickson praised Knight for her on-ball pressure in the clutch against Wake Forest (2-1).
"At the end of the game, both teams are gonna try to execute and run plays, but a lot of times you've gotta make a play," the coach said. "To be able to bust the play and then get the ball out of that, that's a big deal. That saves us."
Kansas (3-0) took a 20-9 lead less than 12 minutes into the game, but things unraveled quickly before halftime. Wake Forest had already scored six unanswered points when Davis and sophomore forward Chelsea Gardner each picked up their second personal foul in an 18-second span. With the Jayhawks' longest and most effective interior defenders on the bench, Wake Forest scored six straight baskets in the paint to extend its run to 18-0 and take a 27-20 lead.
Two free throws apiece from Engelman and Knight in the final minute set up a 27-24 Wake lead at the break.
A short jumper by Davis that tied the game at 27 in the first minute of the second half was KU's first field goal in more than nine minutes.
"Certainly we need to address why we're in a game like that," Henrickson said after KU made 21 of its 56 field-goal attempts.
At 7 p.m. on Friday, the Jayhawks will play host to Alabama A&M.;
Good job ladies.
Keep up the pressure
Hey, it's a 'W,' and, on the bright side, some clutch play when it really counted.
Not quite sold on this team being a tournament team this season. They are still struggling to contain weaker conference teams so I am not sure they will be able to keep up with Oklahoma, Texas, Oklahoma state, and surely not Baylor(even with SIms out). Looks as if the same cohesion and teamwork they had last year is gone. Going back to the 1-2 game never was successful throughout Bonnie years and I am sure it won't be this time.
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Leftover notes and quotes from the MEC girls tournament, round 1
I was at Brogden Hall for the first round of the Mideastern Conference tournament on Monday night. Here's the story as both Hoggard and New Hanover's girls teams advanced, and here are a few extra notes and quotes: New Hanover's girls did a number of things well on Monday night, but one of the more surprising ones was Precious Canty, who stepped back to make two three-pointers. Canty, a freshman point guard, was only averaging 2.2 points per game heading… Read More »


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In this volume, Mark Hebner meticulously refutes the idea that investors can beat the market by stock selection or market timing. Some readers may react with the thought that "perhaps most investors cannot beat the market, but some can. I merely have to emulate those with superior performance." Examples of investors with sustained superior performance include the legendary Warren Buffett and David Swensen, Yale University's chief investment officer, whose performance over decades has been widely admired and imitated by endowment and retirement plan managers, but with rare success.
If you examine the words and practices of these distinguished investors, you will find their above-market performance is not due to a set of rules which can be followed by individual investors. Rather, it is due to resources and opportunities which individual investors and most institutional investors do not have. Swensen tells how he does it in his book, "Pioneering Portfolio Management: An Unconventional Approach to Institutional Investment." As noted in the title, Swensen's book explains how an institutional investor (as distinguished from an individual investor) might achieve above-market returns. He observes there is little chance for beating the market with well-followed securities such as large-cap and small-cap stocks. As to opportunities available to the institutional investor from less conventional sources, Swensen writes: "Populated by unusually gifted, extremely driven individuals, the institutional funds management industry provides a nearly limitless supply of products, a few of which actually serve fiduciary aims. Identifying the handful of gems in the tons of quarry rock provides intellectually stimulating employment for the managers of endowment portfolios." 1
Few, if any, individual investors have the time and skill to separate the "gems" from the "quarry rock," even if they were presented with similar opportunities. Any individual investor who believes he or she can achieve above-market performance is almost sure to underperform the market substantially.
Hardly any institutional investors are able to outperform their proper benchmarks. Among those who do accomplish this feat, their ranks largely change from year to year, making their discovery a moving target, as Mark Hebner shows in this volume. Swensen affirms the difficulty of identifying skilled fund managers. He states, "I erred in describing my target audiences. In fact, I have come to believe that the most important distinction does not separate individuals and institutions… few institutions and even fewer individuals exhibit the ability and commit the resources to produce risk-adjusted excess returns."2
Indeed, the challenge of ferreting out the gems from among the "tons of quarry rock" is more challenging than it might first appear.
While Warren Buffett has not written a text on the subject, his actions show his success — like Swensen's — is in part due to his being offered opportunities not available to the individual investor. Specifically, he is offered the opportunity to take large positions in established companies at favorable prices. At such times, company information is made available to Mr. Buffett and his staff which is not routinely available to the public. Ultimately, however, it is his and his staff's ability to evaluate such positions — to separate the gems from the quarry rock — that explains their long-run success. As in the case of Swensen's outperformance, few individual investors have the time and skill to evaluate such opportunities, even if they were presented to them.
As to market timing, I know of no one who has consistently outperformed the market by market timing. Since there are always countless "authorities" who say to buy, and countless others who say to sell, there will always be many instances in which someone called correctly the last turn of the market, and even the last two or three turns. As Mr. Hebner documents, it is a foolish hope to try to emulate such market timers. It is better to go with J.P. Morgan's advice — that all one knows about the market is that it will fluctuate.
J.P. Morgan's observation has at least three implications. The obvious one is: Don't try to time the market. You will make your broker rich, not yourself. Another implication is you should choose a portfolio you can live with despite market fluctuations. For example, the year 2008 was not an "outlier," nor was it even the worst year on record. Rather, it was tied for the second-worst year. It was a one-in-forty year event, not a one-in-a-thousand year event. The frightened investor who decided to get out of the market in March 2009 locked in his or her losses for good. The chief problem with investors is they buy after the market has gone up and believe it will rise further, and they sell after the market has fallen and believe it will fall more. One of the principal functions of the right financial advisor is to make sure the investor understands the volatility of his or her specific portfolio and is willing to stick with it for the long-run.
As Mr. Hebner explains, a third implication of the fact that markets fluctuate is the need to rebalance. Suppose an investor is comfortable with a 60-40 mix of stocks versus bonds. If the market has risen substantially, the portfolio's equity exposure will greatly exceed sixty percent. The rebalancing process sells off the excess, bringing the portfolio back to a 60-40 mix. If the market has fallen, then the portfolio will have less invested in stocks than the target 60 percent. The rebalancing process then buys. This process of rebalancing — which sells after the market has gone up and buys after the market has gone down — is sometimes referred to as "volatility capture" and leads to what Fernholz and Shay (1979) refer to as "excess growth."3 The rebalanced portfolio will grow faster than the average growth of its individual constituents. It may even grow faster than any one of its constituents due to the rebalancing process. Thus, if handled knowledgeably, market volatility can be the investor's friend.
"Money in the bank" sounds safe, but will do little to outpace inflation. On the average, over the long run, a well-diversified portfolio that includes stocks and bonds will almost surely continue to outpace both inflation and money in the bank. However, as this book documents so well, a foolish attempt to beat the market and get rich quickly will make one's broker rich and oneself much less so.
– Harry Markowitz, Ph.D.1990 Nobel Prize Recipient
Harry Markowitz, Ph.D. is best known for his pioneering work in Modern Portfolio Theory, for which he was awarded the 1990 Sveriges Riksbank Prize in Economic Sciences in Memory of Alfred Nobel (referred to as the Nobel Prize in this book). In 1952, he developed the simple, yet profound notion that investors must consider the risk associated with their investments, not solely the return. This groundbreaking discovery sparked a financial revolution pertaining to the relationship between risk and return. He is widely known as the "Father of Modern Portfolio Theory". Dr. Markowitz is also the recipient of the 1989 John von Neumann Prize in Operations Research Theory for his work in the areas of sparse matrix techniques and the SIMSCRIPT programming language, in addition to portfolio theory. He currently serves as an Adjunct Professor of Finance at the Rady School of Management at the University of California, San Diego.
Mark T. Hebner is the founder and president of Index Fund Advisors Inc., (IFA.com), author of the highly regarded book Index Funds: The 12-Step Recovery Program for Active Investors, is the creator of and is featured in the award winning documentary film of the same name, and architect of ifa.com, one of the most comprehensive websites focused on investor education. This book and previous editions received praise from financial industry experts and academic luminaries, including John Bogle, David Booth, Burton Malkiel, and Nobel Laureates Harry Markowitz and Paul Samuelson.
Hebner is a respected speaker, frequent news contributor and authority on investing. His life's mission is to "change the way the world invests by replacing speculation with education." Hebner is especially knowledgeable about index funds, portfolio construction and the research indexes designed by Nobel Laureate Eugene Fama and Kenneth French. These indexes provide the building blocks for the prudent evidence-based investment strategies that Hebner implements for his IFA clients.
Americans work hard. On average we log 7.6 hours each working day,4 with many of us amassing far more hours to meet our current needs and secure our retirement. We are dedicated to our work and to saving for our "golden years."
Rarely in the course of this frenetic pace do we stop to learn how to properly invest our savings so they can best work for us.
I was one of those people. I was fortunate enough to start a successful company right after I graduated from college. I was 32-years-old when I sold it and walked away with a very nice sum of money. Without a second thought, I deposited those proceeds with a big-name brokerage firm. They seemed to be looking out for my best interests and competent enough to grow my wealth through their stock-picking prowess. They had offices in high-rise towers. They had well-dressed analysts and impressive looking reports. I was confident they would effectively put my money to work for me.
Twelve years later, I woke up to the ugly truth that my confidence in that brokerage firm was unfounded, and my time spent trying to beat the market had been wasted.
Until that time, I believed the financial success of Wall Street brokerage firms was the result of creating wealth for their clients. I learned too late that brokerage firms did not get rich by enhancing their clients' wealth, but rather (and ironically) by depleting it, transferring it slowly to their pockets in the form of commissions and margin interest that were in no way justified by the below-benchmark returns. This steady transfer of funds from clients to brokers buys plenty of full-page ads in the Wall Street Journal and ample commercial time on CNBC to lure in even more clients, thus perpetuating the slow transfer of wealth that comes with each buy and sell.
Prior to my revelation, I lived with a nagging suspicion that my investments could do better. I suspected there was a better way to invest, but I never really had the motivation to find it. I was busy with my family and my work, and I could never put a finger on the risks I had taken or the returns I should have earned for those risks.
My revelation about the investment world came to me through a tragedy. A friend of mine was killed in a car accident. I told his widow I would help her in any way I could. A few years later, she said what she really needed was help with her investments. I knew she was relying on me to provide some good, solid help, and I also knew I was ill-equipped to give it.
"What do I know about investing?" I asked her. "My own portfolio hasn't done that well." I knew I had to do some research. I knew I needed to find a better way to invest, and I needed to share it with her. I revisited the finance courses from my MBA program at the University of California, Irvine. I went to the library and the bookstore and bought more than 20 books on investing, and I read them all. (My library now includes 2,565 books on finance, economics and investing dating back to 1648.) I dug into Burton Malkiel's Random Walk Down Wall Street and John Bogle's Common Sense on Mutual Funds, among many others. What I discovered in the pages of those books was nothing short of stunning, but can easily be summarized as this: managers don't beat markets.
At first I asked, "How could this be? We have all these managers in the world who are in business to beat the market, and yet, they're not beating the market. The market is beating them."
It struck me like a bolt of lightning: I didn't just have the wrong brokers and managers, I had the wrong investment strategy altogether. With all of the time, effort and money spent trying to find the next hot stock or mutual fund manager, I would have been far better off had I simply bought, held and rebalanced a portfolio of index funds. How much better off? When I compared my own actively managed portfolio's performance against the value of a risk-appropriate passively managed portfolio, I was struck with the harsh reality of the price I paid for my lack of investing knowledge. I call this my $30 million investment lesson.
I paid a very steep price for relying on an industry that profits handsomely when investors are kept in the dark. I wondered just how many others had paid a high price for too little knowledge and too much trust. I questioned how many more would suffer before the investment industry would awaken to its very own Howard Beale—who would finally muster the courage to step before the CNBC cameras to declare, "I'm mad as hell, and I'm not going to take it anymore."
Awestruck by the glut of misinformation that served as the basis for poor investment decisions, I could not remain silent. I knew I had found my mission in life, and I was determined to change the way the world invests. The World Wide Web provided the perfect medium for my mission.
Just as in the movie "Network," in which Beale used the airwaves to deliver his message, I leveraged the Internet to deliver mine. In 1999, I launched what was the world's first robo-advisor, which is now ifa.com, a free and comprehensive site that contains thousands of dynamic charts, graphs, articles, podcasts, books, videos and a documentary film based on this book. I did all of this to help investors learn about the value of a passive advisor with a fiduciary duty to its clients, one who advises on investments that can better capture the returns offered by markets around the world. At the same time, I launched Index Fund Advisors Inc., a fee-only fiduciary wealth services firm that works with individuals, retirement plans and institutions to invest in risk-appropriate portfolios properly matched to each investor's risk capacity. With 41 employees, 2,400 clients and $3.86 billion in assets under management (March 2018), IFA's mission has begun to become a reality.
This book incorporates the quality research and data that IFA uses to advance the financial futures of its clients. It is the same information I utilize daily to educate investors. Step by step, this book will lead you away from the pitfalls of active investing that threaten your long-term financial success and instead lead you toward a strategy that will efficiently put your money to work with the goal of providing you an all-around better investing experience.
You work hard enough. You don't need to log any more hours or pay any more commissions to fund your broker's retirement instead of your own. Read the following pages carefully, as they hold the key to your ability to optimally reap the returns for the risks you take.
Yes, you can finally invest and relax.
– Mark T. Hebner


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Burlingame & Hillsborough Real Estate
Burlingame is a charming city found in the center of the San Francisco Peninsula, between San Francisco and the Silicon Valley. Known as The City of Trees, Burlingame blends country ambiance with urban bustle. Large comfortable homes, smaller bungalows and condominiums mingle in friendly neighborhoods. Gorgeous parks can also be found all throughout the town. Burlingame has a strong business community, including Airport Boulevard's many hotels and restaurants. Burlingame Avenue and Broadway are lined with a myriad of shops; gourmet wine stores, boutiques, and jewelers are all within a gentle stroll of each other. Wonderful destination restaurants abound, showcasing foods from many ethnicities. Burlingame is so much more than a suburban city - it is a community that embraces history, education and the environment and offers both small town convenience and big city chic. It is safe and peaceful, yet bustling with energetic pride.
Hillsborough lies on a stretch of Interstate 280 that has been christened by many as "the most beautiful freeway in the world." With its wooden slopes and charming rural setting, it is host to some of California's wealthiest residents. The town is home to some of the country's largest estates, once owned by such famous residents as William Randolph Hearst and Harriet Pullman. Due to the town's minimum lot size of a half acre, Hillsborough is known for its residential neighborhoods and single-home landscape. 2010 saw Hillsborough celebrating its 100th anniversary with parades, festivals and dedications. Hillsborough is big on community and preserving the natural beauty of its rich topography. Although an affluent community, Hillsborough has a small town charm. With its quiet back-to-nature atmosphere and multi-million dollar homes, it is one of the country's most desirable places to live.
Burlingame & Hillsborough Property Info
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While overarching trends in real estate such as interest rates, economic factors, and consumer confidence all influence the purchase or sale of a home, smaller monthly changes in our local markets can affect your transaction just as much. Our real time market data gives you the most accurate and timely snapshot of your city or neighborhood.
Burlingame & Hillsborough Market Report
Market News, May 2019
All residential. Information obtained from the Multiple Listing Service and/or public records. This third party information has not been independently verified.
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Annual Report of the Board of Regents of the Smithsonian Institution, Showing the Operations, Expenditures, and Condition of the Institution for the Year 1883 (Washington: Government Printing Office, 1885), pp. 868-72.
The mounds or graves described in this paper are situated on the eastern side of the South Branch Mountain, Hampshire County, West Virginia, about 1 1/2 miles from the mouth of the South Branch River, on the property of Mr. Charles French. According to early accounts, the entire region between the Blue Ridge Mountains and the Ohio River was owned by the Massawomee Indians. The immediate locality (Fairfax Grant) was, however, the hunting ground of the Tauxenents, a band, perhaps, of the above-mentioned powerful tribe.
The settlement of this district by the whites drove this tribe across the Alleghanies; and, after their departure, the country seems to have been a border line of warfare between the Delawares of Pennsylvania and the Catawbas of Virginia. This narrow and rough valley, from the mouth of the river to Moorefield, Hardy County, West Virginia, and probably far beyond, is replete with traditions and evidences of many a stubborn struggle - not only between contending tribes, but also between the Indians and the intrepid pioneers of West Virginia. The locality of these mounds, known as "Shin Bottom," was also the theater of contending, bloodthirsty savages. In close proximity to the graves there is a great bowlder standing on the side of the wood, to which a very interesting tradition is attached. It is called "Indian" or "Painted Rock." On its eastern face there is a figure, supposed to represent a man in the act of throwing a tomahawk. One can easily distinguish the rude outlines of a human figure, but the hand and tomahawk have been rendered obscure by the frequent violence of curiosity seekers. The lines are clear, strong, and of a dim red color. The tradition, as given by the inhabitants, is in substance as follows:
"At this point two hostile tribes, probably the Catawbas and Delawares, met and fought a terrible battle, in which all, with one exception, were killed, on the conquered side, and he succeeded in making his escape. Exasperated at this the victors, to complete their direful work, followed, brought back, and killed the unfortunate wretch, and with his own blood traced this figure on the rock."
The same account is given by Mr. Samuel Kercheval in his "History of the Valley," but with the variation that this warrior made a safe escape by jumping into the river and swimming with his head under water till he reached the Cohongornton, North Branch of the Potomac. (Page 48.)
The upper portion of this rock protects the side upon which the figure is sketched, from destruction by the elements. The South Branch of the Potomac was called Wappatomaka by the Indians. Throughout this entire range of mountains Indian mounds are numerous, and a comparatively unexplored field of archaeological treasures awaits development. The frequency of stone graves may in some degree be accounted for by the abundance of material suitable for their construction, by their proximity to fields of contest, to village sites, and to a most abundant hunting ground. They are found in much greater proportion in this than in any of the neighboring ranges. Their position cannot be restricted to any particular locality, for they are found on either side, on top, at the foot of the mountain, and in various places throughout the valley, sometimes on the river bank or on some small stream, or even in the central portions of the bottom lands. They are, however, less numerous on top of the ridges than in lower situations.
These stone graves are quite numerous in the vicinity of the "Indian Rock." In shape, both external and internal, they resemble modern graves;, and since they contain an inclosure like a coffin, the term grave is very applicable to distinguish them from the earth mounds. They vary much in size, the smaller being mainly confined to the low lands while the largest are more frequently found on the tops and sides of the mountains. Those of any considerable dimensions are generally flat on top and the smaller convex. The stone of which they are made depends upon the locality; those opened were constructed of gray sandstone. The upper layers consisted of pieces as large as our street granite paving blocks, which gradually increase in size as the interior or "coffin" of the mound is reached. The "coffin" is made of large bowlders of the same stone. These stones are rarely spherical, but range from a few inches square to a weight of several hundred pounds.
No. 1. The first grave examined was situated midway on the side of the mountain. It was built in a small hollow or ravine, down which in - wet seasons water flowed. Within 40 or 50 yards there were three others, two of which were opened and examined.
It (1) was very large, about 50 feet in length, 25 in width, and from 4 to 5 in height. It was flat on top and extended lengthwise north and south. The excavation was commenced on top at the southern extremity. After working downwards and northwards through the mass of rock for the distance of 3 feet, we came to some very large bowlders. Taking these as a guide we continued to work along the western side towards the north end of the mound. All the rock that remained at the north end and over the body of the "coffin" or cavity was next removed, and the earthy debris cleaned away. From the south end of the "coffin" was then removed the large rocks with which it was filled.
Then began the examination of the dark earth with which the floor was covered. The mass of the material was decayed wood-earth together with a small quantity of light colored clay. At the lower end were found one long bone and more fragments, presumably leg or thigh bones, and at the north end a fragment of a skull. No pottery or stone implement of any description was exhumed. The sides of the casement for the remains were constructed of large bowlders 1 1/2 foot high, placed closely together throughout the entire circuit. Beneath there was a floor of flat stones, and at the upper end one was raised about 2 inches above the rest, near which the fragments of skull were found.
No. 1 B. As yet only half of the first mound had been torn away, and encouraged by the find, though we mainly directed our attention to the discovery of stone implements, the destruction of the remaining mass was begun.
Commencing on the east side of the grave just opened we soon reached another wall of large bowlders, running in a direction parallel to and placed directly alongside of the wall of the former. Upon removing the stones from the sides and central portions as before, the excavation of the coffin was commenced. But a most careful search was ineffective in bringing to light any relics. The absence of all human remains may be possibly attributed to the position of the mound, which was such that a very large quantity of water annually passed through it, rendering the decomposition of the bones more rapid.
No. 2. About 20 yards to the right, when looking down tile mountain and facing the east, a second grave was opened, which was situated a little to the side of the hollow.
This mound, though not so large, extended in length in the same direction, north and south, as the former. In appearance, (save that it was not flat,) both externally and internally, it was similar to that of the one previously explored. It contained a single inclosure or coffin. No remains except a fragment of a long bone were found.
No. 3. A third of this group, situated about 30 yards down the mountain and on the lower side of an old road, was examined. Its construction and general outlines were the same as those already described. No remains were discovered, and from its position in the deepest part of the hollow it is supposed that all traces had long since been destroyed.
No. 4. The fourth mound was situated about 200 yards from the "Indian Rock," near the base of the mountain. Though much smaller, it resembled the above in all particulars. A large number of fragments of bones belonging to various parts of the body were collected. The exterior shape of the mound had been very much disfigured by hunters.
Mr. French, the owner of the property, needing stone for building purposes, had previously opened several graves and removed from them a quantity of bones and some pieces of pottery.
There were no means by which we could Judge the age of these mounds, even approximately. The first graves or stone heaps examined were encircled by a grove of oak and locust trees of an inferior size. Near the fourth there grew several large oaks, but all were at too great a distance to be of any avail in such a determination. The amount of earthy matter on or within could not be relied upon as affording any definite clew, since very little could penetrate the grave, and what was there could easily have been deposited in the lapse of time by nature. The stones were not placed immediately upon the corpse, perhaps; but they rested upon logs and brush, which were supported by the walls of the inclosure. If this supposition be correct, the amount of debris could have been greatly increased.
It is generally supposed that these mounds were quite small at first, and were increased in size by new interments and by the addition of stone from time to time. It is said that whenever a friendly Indian or tribe passed a grave, each individual, out of respect, added a stone or more to the heap. Though this may be plausible, it is just as likely that it was the final interment of the body, and that the size of the mound depended upon the rank and tribal standing of the person. If, on the other hand, these interments were only temporary, it is probable that the large mounds were the final resting places of a large number of bodies by secondary interment.
This hypothesis is in accordance with the customs of many tribes, east and west, and was practiced by the natives of the lower districts of Virginia long after its settlement by the whites. The total absence of all stone implements is accounted for by the residents, the supposition being that these were women's graves or of those members of the tribes who were of minor importance. The find of pottery in one or two would strengthen this supposition.
This theory is again to some extent sustained by the opening of several mounds on the top of this mountain yielding bones, pyrites (cubo-octohedral, crystal), arrow-heads, and fragments of pottery. In contradiction, however, to the above, one grave, opened by Mr. Joseph Pancake on his farm in the river bottom, about 2 miles above Romney, in this county, contained a celt, a pipe, and some arrow-heads.
On the front of this pipe, at the upper rim of the bowl, there was carved an eagle in a neat and tasteful manner. Some years ago the party from whom were procured the above specimens opened a large mound in Mineral County, West Virginia, near the town of Ridgeville. In external appearances, according to report, it was similar to those described, but, instead of in a coffin-shaped repository, the body was buried in a sitting posture. The skeleton was nearly whole at the time of exhumation; the feet rested upon the floor; the legs against a wall, above which in the seat were the thigh bones; and against a second wall leaned the bones of the back and chest. The arms seemed to have been placed in a careless position at the side, with the hands open and lying upon the shelf with the thigh bones. The head rested in a recumbent position on a third shelf. A fragment of pyrites was found near by, which is supposed to have been placed in one hand. Among the bones and debris there was discovered a brass button of continental style.
For the authenticity of his description the narrator referred to several gentlemen residing near the locality, who were present and assisted in the work, and in whose possession the bones were when last heard of. Other mounds and remains were found in abundance as the country was cleared and the land cultivated. The specimens of pyrites and pottery found on the South Branch Mountain have been added to the collection of archaeological remains from the district, deposited at Georgetown University.
Native Americans


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California Department of Transportation
Date: July 5, 2012
District: District 06
Contact: Jose Camarena
Phone: (559) 488-4067
Caltrans Awards $48.5 Million for Safe Routes to School
to Increase Safety and Health
FRESNO - Caltrans today awarded $48.5 million of state Safe Routes to School Program funds for 139 projects to increase safety and help reduce injuries and fatalities among children in grades K-12 who walk and bicycle to school.
"Safety is Caltrans' number one priority," said Caltrans Director Malcolm Dougherty. "We are committed to providing the highest safety possible for our children as they travel to and from school in California."
Among the state-funded projects are new sidewalks, bicycle lanes, and other safety improvements. Caltrans chose each project based upon need, effectiveness, and how quickly it could be delivered. By improving safety, more kids are encouraged to walk and bicycle to school, resulting in healthier children while reducing greenhouse gas emissions and vehicle congestion.
More than $7 million of the funds were awarded to critical safety projects in rural counties. In addition, 82 projects totaling $28 million will create jobs and benefit at least one low-income school within each project.
Some of the projects that received funding include:
- Madera County - $211,600 to construct sidewalks, curb and gutter; install crosswalks and stop signs near Merle L. Fuller and Stephens Elementary Schools.
- Fresno County - $450,000 to install traffic signals; construct sidewalks and curb ramps near Powers-Ginsburg Elementary and Wawona Middle Schools.
- Kings County - $320,900 to install in-pavement crosswalk lighting, bike racks and speed feedback trailers near Armona Union Elementary and Parkview Middle schools.
To date, the state and federal Safe Routes to School programs have awarded $472 million for safety projects around California's schools.
To view the entire list of SRTS projects that received funding, click here.
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Technical Problem With This Chapter?
Author: St Margarets
Story: February Fifteenth
Part: February Fifteenth
Rating: Teens
Setting: Pre-HBP
Status: Completed
Reviews: 83
Words: 3,403
Updated: January 28, 2005, 6:02am
February Fifteenth
It's true. I sighed like a third year girl ogling a picture of the bass player from the Weird Sisters, and I hated myself for it.
If I cared about Ginny, why wouldn't I want to see her laughing with Neville? I certainly didn't want to see her unhappy. It's justÖ.
Right. I'm a prat.
Of course, Ginny heard me sigh. She stopped laughing for a moment and looked at me with those beautiful eyes. That's what Ginny does ñ she listens ñ she observes ñ and then, at just the right moment, she'll say or do just the right thing. I know this is true because this summer, she did that for me. Thanks to her, I have maintained my self-absorbed prat status and have not fallen into self-absorbed git status.
I grimaced what I hoped was a smile at her, and she turned back to Neville.
Instead of repeating the sigh, I turned to watch Ron's owl, Pigwidgeon, sail through the Great Hall with a small box. Since the owl post usually arrives at breakfast and not dinner, this attracted some attention. Seamus read Luna Lovegood's name aloud and then asked Ron, "Who would have sent it to her?"
"The jewelry shop," Ron answered, irritably. "Luna doesn't have an owl, and she wanted to have these earrings repaired." He held up the two bright red radish earrings Luna was fond of wearing.
"I heard that radishes are part of a potion that is a powerful aphrodisiac," Seamus chortled.
Did I mention that Seamus is a prat too?
"Why don't you deliver these to Luna and see if she'll whip you up a batch?" Ron said. "I'm sure you could slip a love potion into Millicent Bulstrode's tea while she fights Pansy Parkinson for the last platter of chicken parts."
That is when I realized that we were all prats. A regular prat brigade. And we didn't deserve nice girls to go out with us. The problem was we didn't deserve Millicent Bulstrode or Pansy Parkinson either.
Dean sidled over carrying a parchment.
A few months ago, I would have said Dean deserved Pansy Parkinson ñ heck, I would have said that Dean deserved the chicken parts. That's because Ginny told Ron that she had chosen Dean to go out with. Apparently Dean had not been informed of this news. If Dean had been informed ñ then he made the wrong choice in not dating Ginny.
So now I could feel magnanimous toward Dean ñ he was a prat to be pitied, like the rest of us.
Dean didn't seem to be wallowing in angst and regret, however. He was excited about the upcoming Hogsmeade trip. "Dumbledore has arranged for our Hogsmeade trip to be on Friday night, February fourteenth, instead of Saturday."
"Cool ñ that's Valentine's Day," Ron said.
Yes, Ron said 'cool' and 'Valentine's Day' in the same sentence. His fellow prats stared at him.
"Hermione wanted to go someplace fancy for Valentine's Day," Ron said, his ears turning red. "And a lot of the nice restaurants are only open at night."
Did I mention that Hermione, despite knowing Ron's membership in the prat brigade, had somehow fallen in love with him? To his credit, Ron knew he didn't deserve her, either.
"That's great!" Seamus said excitedly. "You deserve a reward for showing me that!"
"Why?" Dean asked.
"Because I know where we can get our hands on some Fire ñ" He stopped short at Ron's narrowed eyes.
"ñwood," Seamus continued hastily. "For our outdoor bonfire ñ to celebrate Valentine's Day."
We were always forgetting we had a prefect in our prat brigade.
"That's the thing," Dean said, picking up the story from Seamus. "We don't have steady girlfriends to go to fancy restaurants. We'll have a little fire in the woods ñ invite some girls and have an outdoor picnic."
"Who are you going to invite?" Seamus asked, eying the radishes as if though he might indeed have time to whip up a potion.
"The luscious Jeanne," Dean answered.
"Ah, yes," Seamus said with the air of the connoisseur. Then Seamus went on to explain, in great detail, what was so luscious about Jeanne's chest. Why we listened to this is beyond me, since all of us had duly noted Jeanne's striking summer metamorphosis within the first five seconds of seeing her on the Hogwarts Express. Luckily, Ron's intervention saved us from sinking to git status.
"You can't ask her!" Ron protested. The rest of Gryffindor, including Ginny at the far end of the table, turned to look at him. He ducked his head and lowered his voice. "Neville likes her."
"Oh." Dean was unperturbed. "Is that why he's been hanging around the fifth years?"
Maybe that was it! I had found new hope. Ginny was just being kind to Neville to help him with her friend, Jeanne.
Not pausing to think that perhaps Ginny was just being kind to me all summer, I followed her out of the Great Hall. She was going down the corridor toward McGonagall's classroom for some reason. Then I remembered that she had her O.W.L. study group on Tuesday evenings after dinner.
Did I mention that as part of my third-year-girl-in-love-with-a-bass-player persona, I had memorized Ginny's schedule?
"Ginny!" I called. She stopped and waited for me to catch up. There was no one in the corridor and I knew I had to ask her before I lost my nerve.
"Would you go to Hogsmeade with me this Friday night?" I was able to ask this in an appropriately-breathless third-year-girl voice since I had sprinted down the corridor to reach her.
Her eyes grew wide and she paled.
Not the reaction I was hoping for.
It got worse. Her face turned red ñ Weasley-red-to-the-ears red. "No," she said tersely. "I can't. I'm going with Neville." Then she did a complete about-face and said to the floor, "Sorry."
I watched her speed down the corridor past her classroom and then turn the corner. From a distance, I heard an angry thud ñ like she had thrown something.
That thud woke up my own anger. I kicked the heavy oak classroom door that had survived hundreds of years of rejected prats like me. I immediately regretted it since I broke my toe. It's a very sensitive part of the anatomy, you know.
Madam Pomfrey said my toe wasn't broken from kicking the door after Harry asked me out. That was a small comfort since a broken toe could have been fixed, but a bruised one would "heal itself" over time. Useless magical medicine.
Of course it was my own fault ñ all of it. First I let Jeanne talk me into going along on her date with Neville. She was too nervous to go on her own. Why she was so nervous I really don't know. She and Neville have been friends for years ñ they grew up together.
I think it had to do with the fact that Jeanne's chest grew over the summer and she was now a Chaser on the Gryffindor team. Those two facts ñ sorry, bad pun ñ made the older boys start to notice her and it made her nervous. And perhaps it was those two facts that made Neville nervous around her all of a sudden, because he wanted me to come along as well.
It was also my fault that I let my temper get the better of me. Just when I think I have it under control, something like Harry asking me out two hours too late, will send me into a tailspin ñ and I turn into a silly little girl. But this was worse ñ I was a silly little girl who was not kind to Harry. And he didn't deserve that ñ not at all.
Harry deserves someone sweet and kind who loves him completely. I only fit the last part, I'm afraid.
So Jeanne, Neville and I, along with Jeanne's chest, went to Hogsmeade on Friday night. On the long walk through the mild February night, Jeanne and Neville started talking like the old friends they were. I trailed behind, knowing my moral support duties were over before they had begun. I left them at the door of Madam Puddifoots and wandered over to Dervish and Bangs. The first person I saw was Harry.
He looked as miserable and lonely as I felt and I almost went to him except for the fact that I am a silly little girl sometimes. I fled to Honeydukes until he turned up there. I entered shop after shop only to exit the minute I saw that adorably messy hair.
Finally I decided to find the bonfire everyone had been whispering about all week. I didn't fancy a party, but my toe hurt and I was tired of walking. I could at least sit on a log and rest my foot. Besides, it might be interesting. Even though Fred and George had organized those sorts of parties at Hogwarts, I had never been to one.
Did I mention having six older brothers is a pain?
Since Ron was out with Hermione, I had no worries about being caught. I found the bonfire with no problems, but it wasn't exactly the kind of party I wanted to join.
I wandered around Hogsmeade, a regular prat tragic hero, until I saw Neville. I wanted to turn and walk out of Quality Quidditch Supplies but a bunch of Hufflepuffs was blocking the exit. So I was forced to watch Neville on his outing withÖ Jeanne? My mouth dropped open and my mind raced. What about Ginny? Did he ditch her for the girl with the chest?
I was so angry for Ginny that I hardly noticed Neville's friendly greeting or Jeanne's shy smile.
"Where's Ginny?" I growled.
Neville shrugged. "I think she was going to the bonfire after she looked 'round the shops."
The bonfire. Ginny had no business at one of Seamus's parties.
Not stopping to hex Neville for ditching Ginny, I ran down the High Street and into the woods. I had visions of Ginny, heart-broken and bewildered, being plied with Firewhisky so some drunken seventh year couldÖ.
I ran faster, holding my lit wand so I didn't trip over any of the stones or logs scattered over the forest floor. I was so intent on not tripping that I ran straight into Ginny.
I thought my bruised toe hurt until I ran into Harry. By then it was my injured ego I was concerned about. I didn't want him to know that Jeanne and Neville had ditched me.
Surprisingly, he didn't harp on Neville or Jeanne. "Were you at the bonfire?"
Normally I resent being asked my whereabouts, but he looked so worried.
Did I mention how cute Harry is when he's worried?
"Yes, but I didn't want to stay."
His eyes narrowed. "How did you rip your robes?"
I really didn't want to tell him, but he looked ready to charge into the party and start hexing people.
I put my hand on his arm. Ignoring that little thrill I always felt when I touched him, I told him about my bruised toe. "So I sat on the log and took off my shoe and sock. Dean came over and asked me what I was doing."
Before I knew it, I was indignant all over again. "Do you know what he said to me?" I think I was tugging on Harry's sleeve at this point. "Dean said, 'I happen to think you have very cute toes.'"
I let go of Harry's sleeve and crossed my arms in front of me. "He was so drunk. You know ñ that quiet kind of drunk?" I glanced at Harry who was lookingÖ.
I can't tell you how he was looking. Of all the expressions I've seen on Harry's face, that was a new one.
"How did your robes rip?" he asked in a quiet voice. If there was a quiet kind of drunk, then I was witnessing a quiet kind of anger.
I frowned at him. Why was he so upset? "I put my sock and shoe back on, because I decided to leave. But Dean passed out and landed on my robes. When I tugged them away, they ripped."
"Dean didn't say anything more?"
I shrugged. "Something about lusciousÖ But it didn't make much sense." I was glad to be away from the yelling and the couples snogging and the third years being sick behind the trees. Suddenly I realized that this situation had potential. Harry and I were alone in the dark forest on Valentine's Day.
Any hopes I had of a romantic Valentine's Day were gone. Ginny had been dumped by Neville and then hit on by Dean who was so drunk he was mumbling about her lusciousÖ. Well, it was hard to say which part of Ginny Dean thought was luscious since I thought all of her qualified for that description.
I looked up at the starry sky and resolved not to be a total prat.
I resolved not to rant about Dean or Neville or question Ginny's poor judgment. I resolved not to touch her in any way. I resolved to be the sweet and kind sort of bloke all the girls seemed to like.
I lasted about five minutes.
I was a little worried when Harry didn't say anything for the first five minutes. He lead me out of the forest, turning back to check on me every third step. I don't remember much about that part of it except that the underbrush crackled under our feet and the air was chilly.
Once we were on the path, he fell into step beside me. I decided to break the silence. "Do you know why Seamus was putting radishes in everyone's drink?" I asked.
I was not expecting Harry to wheel around with blazing eyes and start a tirade. "Because Seamus is a prat when he's sober and a total git when he's drunk. He had some rubbish idea that he could get into a girl's ñ"
He stopped himself and stalked off, his shoulders hunched.
I was not thrilled with this turn of events.
"Harry! Don't you walk away from me!" I hobbled after him, my toe throbbing.
He stopped dead in his tracks and looked up at the sky. In the dim light I could see the little cloud of white from his breath.
"You shouldn't have gone to the party alone, Ginny," he said in a quiet voice.
"I know." That was as far as I was going to admit ñ and I'm sure I sounded grudging at that.
"And you shouldn't have said yes to Neville."
I saw red.
I couldn't believe that she tried to hex me. At the last possible second I saw her raise her wand and mutter something that sounded like "bat" in Latin. I ducked out of the way in time and grabbed my own wand, hoping we weren't about to duel.
But Ginny was too angry to duel. "You don't know anything! I only went with Neville and Jeanne because Neville was afraid of Jeanne's chest and Jeanne was afraid that Neville only liked her for her chest!" She was so close I could smell her perfume. This was an unfair distraction ñ even more unfair than hexing me when I was unarmed.
The part of my brain that wasn't captivated by her perfume registered the fact that Ginny had said "Neville and Jeanne."
"Wait a minute," I said looking down at her.
Have I mentioned the fact that Ginny's eyes are bright and brown?
"You turned me down to go on a date with Neville and Jeanne?"
"I told you that!" she hissed.
"No, you didn't." I was never so relieved in my life.
I was never so relieved in my life. The reason he had been avoiding me all week was he thought I had agreed to a date with Neville. Somehow, I had left out the part about Jeanne. Probably because I was so disappointed not to be going to Hogsmeade with him. If I hadn't been so silly, Harry could have come along too. We had wasted the whole night.
I tucked my wand back into my robes, feeling foolish. Harry did the same.
Neither one of us moved.
"Do you hate Valentine's Day as much as I do?" Harry finally asked. I could hear the smile in his voice.
"Yes." I could say this in all honesty. First that horrible singing Valentine and then Quidditch practice last year while Michael sulked. Yes, I hated Valentine's Day.
"Well, it's over," Harry said, looking at his watch.
"It's over?" Did this mean he was going back to school alone?
"It's just past midnight. It's February fifteenth," he said, sounding strange.
I took a step back in order to see his face. I trod on a stick or a stone. Whatever it was, I lost my balance and I started to tumble backwards.
I grabbed her by the upper arms. Since it was no longer Valentine's Day, I felt a curse had been lifted, so instead of letting her go, I pulled her close.
Every luscious curve of her body was pressed next to mine.
Did I mention I was in love with this girl?
Then there was a February fifteenth miracle. She put her arms around me and lifted her face.
Somehow, I did not faint like a third year girl seeing the bass player for the Weird Sisters in the flesh. Instead, I kissed her sweet mouth. That was luscious, too. Also luscious were her hair and the curve from her hip to her waist and the spot ñ
"Harry! You can't put that in a letter to your thirteen-year-old daughter!" Ginny said this a little breathlessly, since her husband was tracing with his hand the parts of her body as he described them to the Quick Quotes Quill. "She just wanted to know why we celebrate February fifteenth instead of Valentine's Day!"
They were laying on the settee together in front a roaring fire, the only light in the darkened room.
"I could tell her that the flowers and chocolates are always half price," Harry said.
Ginny giggled and rolled on top of him. "You don't have to tell her anything."
He laughed and settled his arms around her. "She doesn't know who the Weird Sisters are anyway." He sighed. "I think it's best to be an enigma. It's the only power I have left."
"We could try, 'You'll understand when you're older.'" Ginny shook her head. "That's only two years from now."
Harry shut his eyes. "There's a whole new prat brigade at Hogwarts." He opened his eyes in appeal. "Isn't there a magical all-girls school somewhere in the mountains?"
"You can't stop her from growing up," Ginny soothed. She ran her hand through his hair ñ still so thick and black. They weren't that old, she thought. Talking about their days at Hogwarts when they first discovered each other brought all those feelings rushing back.
The firelight was flickering over them both. "Were you really in love with me when you kissed me for the first time?" she asked.
"Yes," he said, slowly sliding his hand down her back. "How could I not be?"
"I was in love with you, too," Ginny said.
"I didn't know ñ I was ready to try the radishes next."
"I liked your side of the story, but why didn't you mention my luscious chest?" she asked, rubbing up against him.
"Why didn't you mention mine?" he countered.
She giggled and started to nibble at that special spot just below his ear. "Because yours is a magnificent chest ñ not luscious."
Harry laughed.
"And we're married," Ginny continued, "we don't have to talkÖ."
"Let's not talk about our magnificent chests in bed," he suggested.
As they left the room, Harry took out his wand and flicked the story of February fifteenth into the fire.
"So what are you going to tell her?" Ginny asked.
"Half-price chocolates," he said as they walked to their bedroom. Then he slid his arm around her waist. "And that her mother has cute toes."
"Luscious toes," Ginny corrected.
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I cut out the part of the op-ed about the definition of burglary, which was the first part of this Journal Op-Ed. Go to the original to read the whole thing. My thanks to the Journal, and not just as a bicyclist, for writing this.
Editorial: Lawmakers Can Wrestle With Burglars, Bicycles
(snip)..."Similarly, the Legislature is the only recourse for families of victims and bicycle safety advocates who think sentencing options for drivers who kill or severely injure bicyclists are inadequate.
Case in point: Carol Svinarich, who struck and killed a bicyclist with her SUV in January — could have gotten 90 days in jail and a $300 fine for her no contest plea to a misdemeanor charge of careless driving. But Svinarich, who had a DWI arrest after Scott "Dwane" Lane's death, was sentenced Friday to 90 days of home arrest with an alcohol-sensing ankle bracelet. She will have to pay the $300 fine and $17,560 in restitution to the family for medical and other costs, but to the family the sentence is an insult.
The Duke City Wheelmen bicyclists group intends to ask the Legislature for tougher punishments and also says clarifying the distinction between careless driving, a misdemeanor, and reckless driving, a felony, would be "a huge step."
Whether through a clearer or expanded definition of burglary or through penalties that better take into account to severity of harm a motor vehicle can inflict on a bicyclist, at the end of the day the public should feel justice has been served.
If the law needs tweaking, then the Legislature should give these two issues thoughtful consideration."


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Please note: You are viewing an archived Bucknell University news story. It is possible that information found on this page has become outdated or inaccurate, and links and images contained within are not guaranteed to function correctly.
LEWISBURG, Pa. — In 2004, after being diagnosed with a terminal disease, Edwidge Danticat's father began to tell his family his story.
For nine months, he relayed a series of vignettes about his life as a shoe salesman in Haiti who immigrated to America and became a taxi driver and about his proudest accomplishment: being a husband and father.
"Because he told these stories at an important point in his life, his heart was lighter," the acclaimed author told an audience at Bucknell University Tuesday night. "We tell our stories to become whole. We tell stories to live, to connect with one another and to build community."
Celebrated author
Danticat, who has been honored with the MacArthur Genius Award and other awards for her writing and work on behalf of Haiti, told the story during a talk, "Create Dangerously: An Evening with Edwidge Danticat," as part of the ongoing Bucknell Forum speaker series, "Creativity: Beyond the Box." During the 90-minute presentation, she shared some of her own stories, read from one of her books and answered questions about the process and responsibility of storytelling.
Born in Haiti, Danticat moved to the United States when she was 12 and was praised as one of America's finest young writers after the release of her 1994 debut work, Breath, Eyes, Memory. Her most recent work, Create Dangerously: The Immigrant Artist at Work (Princeton University Press, 2010), which she calls a deeply personal book, reflects on art and exile and what it means to be an immigrant artist from a country in crisis.
A living legacy
Storytelling, Danticat said, is a vital tool in all cultures, used to keep history and legacy alive. It provides comfort and healing during times of illness and loss and allows us to understand our own and others' history and plight. Journalists use storytelling to explain world events. Lawyers use story to "embody the voices of their clients who could not tell their own stories in a convincing way to a judge."
"Stories keep us alive and our loved ones alive, our memories alive," she said. "Hearing other peoples' stories can help us shape our own stories."
During her talk, Danticat suggested that the world is "suffering from de-storification," a phenomenon discussed by Robert Stone in his book The Healing Art of Storytelling. Danticat said the lack of storytelling is making our lives less meaningful and vivid. She encouraged the audience to tell more stories and to be more understanding of others' stories.
"We all are storytellers, whether we know it or not," she said. "Sometimes we become numb to individual horrors. Storytelling joins our voices ... Stories have comforted us and allowed us to maintain our world. Storytelling is one of the great tools we have. There is no agony worse than keeping a story behind you. Each story is a catalyst for another."
Award-winning author
Danticat has received the National Book Critics Circle Award and is the author of several books. She also writes regularly for The New Yorker, most recently chronicling the loss of her cousin and her travels to Haiti following the island nation's earthquake more than a year ago.
She received a degree in French literature from Barnard College, where she won the 1995 Woman of Achievement Award, and an MFA from Brown University and has taught creative writing at New York University and the University of Miami. She also has worked with filmmakers Patricia Benoit and Jonathan Demme on Haitian art projects and documentaries about Haiti.
The Bucknell Forum
Since 2007, the Bucknell Forum speakers series has featured nationally renowned leaders, scholars and commentators who have examined various issues from multi-disciplinary perspectives and a diversity of viewpoints. || Previous series events
The "Creativity: Beyond the Box"series task force comprises faculty members Carmen Gillespie, Beth Capaldi Evans, Paula Davis, Joe Tranquillo, Margot Vigeant and Zhiqun Zhu; students Michael Davis, Class of '13, and Lindsay Machen, Class of '11; and administrators Kari Conrad, Rob Springall and Pete Mackey, chair.
Contact: Division of Communications


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Every insert set features a signed variation! If you're an autograph hound, Contenders is the brand for you!
- Each box includes FOUR Autographs, including at least three hard-signed Rookie Tickets!
- One Leather Larceny
- One Great Outdoors
- One Against The Glass acetate card
- Plus six additional inserts, including Draft Tandems, Lottery Winners, Rookie of the Year Contenders and more!
- 165 card set including 50 Rookies
- The Golden Ticket, 14-karat solid-gold trading card
- Look for Rookie Tickets, the next must-build RC subset! Collectors will clamor for Taylor Hall, Jeff Skinner, Jordan Eberle and many more members of hockey's deepest freshman class of the last five years!
- Leather Larceny captures top puck stoppers like Ryan Miller, Tim Thomas and more flashing the glove on a brilliant leather stock! (#'d/1000 auto versions are #'d/50)
- NHL Ink offers up a pair of sizzling signatures from some of hockey's hottest names!
- The Great Outdoors will warm up collections with the best photography from the NHL's signature event, the Winter Classic! (#'d /1000 auto versions are #'d /50
- Against The Glass acetate cards put you in a front row seat for the most bone-crunching action in sports!
- Lottery Winners features the most coveted prospects selected over the past five years!
A brief interview with Panini America Hockey Brand Manager Al Muir, the creative mind behind the development of 2010-11 Contenders Hockey:
- It's no secret that Contenders has a long, rich history on the football field. What about the brand that makes it so well suited for the hockey rink?
Hockey collectors tend to be pretty narrowly focused on our own stuff--most of us collect hockey and nothing else--but every nowand then, we'll run across a chase set or a brand from another sport that makes us wonder what it would be like to see something similar in hockey. I always felt that way about Contenders. I mean, it's an instantly identifiable brand--nothing else looks quite like it--and I think that will make it compelling to hockey collectors who are looking for something unique to pursue. Add that to the brand's legacy of value thanks to the Rookie Tickets subset and it was the most obvious choice from Panini's stable of brands to make the transition to hockey.
- What does the collector in you find most appealing in the history-making hockey premiere of Contenders?
Tough not to mention the Golden Tickets. It's a set loaded with the hottest rookies--Taylor Hall, Jordan Eberle, Jeff Skinner--, the stars of today--Sidney Crosby, Steven Stamkos--and the game's greatest legends--Steve Yzerman, Mario Lemieux, Patrick Roy. They're not just 1/1s...these things have real, intrinsic value based on the 11 grams of real gold that goes into making each one. I can only imagine what a thrill it'll be for the lucky collectors who pull these. And I really dig The Great Outdoors set that captures highlights from the Winter Classic and Heritage Classic. Great design, sharp photography and an autographed parallel. I think this will be one of those insert sets that everyone wants to build.
- Obviously, this product's calling cards will be the autographed Rookie Tickets, but what will Contenders Hockey bring to the brand that perhaps football and basketball have not?
Contenders as a brand has a lot going for it, but there's no way hockey collectors would accept a pre-fab release that was lifted directly from a previous football or basketball program. This will be recognizable as a Contenders release, but our team knew it had to *feel*like a hockey set, so we came up with some great concepts. The Great Outdoors is certainly one of them. So is Against The Glass, a chase set that really makes the most of acetate, and Leather Larceny, a set that captures stellar glove stops on a leather card stock. These are all elements that really couldn't be done for the other sports, and that's what made them so vital for a hockey version of Contenders.
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