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Neonatal Intensive Care
- Home
- Services
- The Women's Center
- Baby Suites
- Neonatal Intensive Care
Our Level III nursery provides the highest level of care available. As parents, we know you will have many questions and concerns. Families are key members of the NICU team, and we want you to be involved in your baby's care. We encourage you to visit your baby often and we welcome questions anytime. Working together, we can give your baby the love and care needed to get well. The NICU team includes physicians, nurses, nurse practitioners, respiratory therapists, occupational therapists, and other health care workers who are highly experienced in the care of sick newborns. This skilled team will care for your baby, answer your questions, and be available to assist you during this difficult time. You are welcome to call the NICU as often as you like to get an update on your baby's condition. The number to the nursery is (813) 571-5360.
When Can I Visit?
For the protection and safety of all the babies in the nursery, we have established guidelines for visiting. Parents and grandparents may visit at any time except during the nursing change of shift. This is to assure privacy of patient information. You may be asked to leave the nursery during the admission of a new patient or during a stressful time for another baby within your infant's room. We will try to make the time you are separated as brief as possible. We have a daily Nursing Change of Shift: between 6:45 to 8:00 a.m. and 6:45 to 8:00 p.m.
Who Can Visit My Baby?
Parents and grandparents may visit with no more than two people at a bedside at any time. Grandparents may visit on their own with the written consent of the parents. If grandparents are not going to visit, you may choose someone else in their place to visit, but a parent must accompany them.
A record of all visitors will be kept in your baby's chart, which is signed by a parent, and used by our staff to make sure the correct people are visiting. Visitation is limited to reduce your baby's exposure to infection.
The baby's brothers and sisters may also visit provided their immunization record is up-to-date. Please bring a copy of your child's shot records to be placed in the baby's chart. It is also important that all visitors are in good health; this means no colds, sore throats, fevers or recent exposure to an illness that might be harmful to a baby (chickenpox, measles, strep infection, etc.).
The safety of your baby is our primary concern. To protect the privacy of babies, we ask that you visit only at your baby's bedside. Our NICU staff will keep you informed of your baby's progress. This can be done while you visit or by phone. Information by telephone will only be given to parents. The physician or nurse practitioner is always available to answer your questions.
Virtual Tour
Take a virtual tour of the Neonatal Intensive Care Unit (NICU).
To learn more about The Baby Suites at Brandon Regional Hospital, please call:
(813) 655-2345
For Childbirth & Parent Classes or to register, call 1-888-327-2636 or search online.
Find Classes


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Thou Shalt Not Back Down
- Thursday, September 05, 2002
He usually stops at nine laps, but not today. Today, even though the heat and humidity refuse to join the sun in disappearing for the night, even though he's already worked up a respectable sweat by throwing weights around for the better part of an hour, Roy Moore has decided to take one more trip around the oval out in back of the Prattville, Ala., YMCA.
This is of absolutely zero interest to the half dozen men and women sharing the track with him -- and why should it be? Out here, he's just another guy in a T-shirt and jogging shorts looking to burn off whatever energy's left after a 10-hour workday. Even if they did notice some stranger was pushing himself a little harder today, they'd be oblivious to how that extra fifth of a mile helps explain why this stranger is arguably the most loved and most hated man in Alabama.
See, all the things it takes to conquer a 10th lap when nine is your norm -- confidence, training, endurance, faith and the unshakeable certainty that giving up is not an option -- those aren't qualities Roy Moore exhibits only in running shoes. He's lived by them, lived off them, all his life, a 55-year journey of ups and turns and downs and twists that now finds him, as chief justice of the Alabama Supreme Court, looking to set a legal precedent from the other side of the bench.
This fall, he'll head to federal court to defend his placement of a Ten Commandments monument in the state judicial building -- and if you don't think the other side is in for the fight of its life, well, you didn't see him attack that last lap of black asphalt.
"This has to be answered," Moore says of the issue that's become his calling card. "This country wasn't founded upon Allah; it wasn't founded upon the Quran. It was founded upon the Holy Bible. And the question is whether we're going to take a stand and acknowledge the sovereignty of God in our law, because historically we could."
The story of how Moore came to be known nationwide as the "Ten Commandments judge" traditionally begins in 1992, when he hung a homemade rosewood plaque etched with God's laws in his Etowah County courtroom. The American Civil Liberties Union sued him, alleging a violation of the separation of church and state; Moore didn't just refuse to take the plaque down, he refused to acknowledge that America's founders ever intended church and state to be separate. The case got thrown out, and the judge parlayed the popularity his stand earned him into a successful run for the top job in the state's highest court -- where he promptly commissioned a 2 1/2 ton stone monument of the Commandments and the ACLU promptly sued him again.
As Moore himself will tell you, though, no three-sentence summary of the last decade can adequately describe how God brought him to this moment and what He's brought him through en route. To tell that story, you have to go all the way back to Feb. 11, 1947.
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5 Data Storage Companies to File
David is a member of The Motley Fool Blog Network -- entries represent the personal opinion of the blogger and are not formally edited.
Clayton Christensen opens up his book The Innovator's Delimma with a study of the disk drive market. His reasoning came from a friend, who said that geneticists avoid studying humans because it takes so long for them to produce new generations. Instead they study fruit flies because they are born, breed and die within a day, so scientists can easily see how traits are inherited through generations. Disk drive companies, his friend said, are the business equivalent of fruit flies.
I'll take the advice Christensen got and take a look at the disk drive industry as well.
Seagate (NASDAQ: STX) is one of the biggest players in the disk drive market. The company posted a profit of $2.86 billion last fiscal year or $6.72 per share, up 460 percent from the previous year's profit of $511 million. With that incredible jump in earnings, you can see why the CAPS commenters love this company.
The company's sales have soared to $14.93 billion, despite flooding in Thailand last year that has affected the industry. Much of the manufacturing for many electronics and semiconductor companies is located there. The reduced supply allowed Seagate and other companies to charge more money for fewer drives. The performance under those conditions is amazing, but no company can keep up that kind of growth up forever before regressing to the mean.
Seagate's major competitor, Western Digital (NASDAQ: WDC), did pretty well given the circumstances of the flooding. The company posted a profit of $3.64 billion last year. Inventories and receivables were pretty high at $1.2 billion and $2.36 billion respectively, relative to the company's sales of $12.478 billion. It also acquired Viviti Technolgies, formerly Hitachi Storage Technologies for $3.9 billion and 10 percent of Western Digital's stock going to Hitachi. Sales grew by 30 percent over the previous year but receivables grew by 96 percent and inventories jumped by 109 percent. Under normal circumstances, you might think that their customers are deadbeats but the flooding caused a halt in production, so these kinds of figures make sense if the inventory that didn't end up underwater sat in warehouses for a while.
EMC Corporation (NYSE: EMC) focuses on enterprise storage solutions and virtualization, with its Symmetrix line focusing on network-attached storage. The company posted a profit of $2.4 billion last year or $1.10 per share. The company had made its reputation selling large storage arrays for "Big Data," which is exactly what it sounds like: enormous databases. It also doesn't hurt that it's a major shareholder of VMware, holding over 39 million shares of the company.
NetApp (NASDAQ: NTAP) similarly focuses on enterprise and cloud storage in large networks. The company posted a profit of $605.40 million, with sales of $6.2 billion. The company's profits dipped by 10 percent but sales have been growing steadily. This combined with the company's healthy free cash flow means that you shouldn't panic and dump your stock just yet.
Finally, let's look at SanDisk (NASDAQ: SNDK), just to keep things interesting. This company focuses on removable storage, especially flash memory. This is one of the fastest areas of growth in the data storage business.
If you know anything about hard drives, you know it's a miracle that they work at all. A hard drive performs a complicated ballet of moving parts. If you've ever felt those sickening split seconds stretch out into eternity as your laptop takes a tumble off your desk, you know how poorly these drives deal with shocks or even tough jostling. Finagle's Law being what it is, this is no doubt when you're working on an important project. Manufacturers have gotten good about making hard drives hardy but ideally the moving parts should disappear. Even Seagate is getting in on this market.
Flash storage helps mitigate these concerns, even if it's still expensive. Like NetApp, Sandisk saw a slight dip last year in its revenue at $986.99 million, down from $1.3 billion in 2010. Sales have also been growing and its EBITDA actually grew to $1.61 billion, up from $1.54 billion, a change of around 4 percent.
As regression to the mean applies to companies who are growing extremely fast, it also applies to companies having temporary setbacks. These two stocks will probably have their revenues inching back up before too long.
Even as recent IPOs from Facebook and Zynga falter, the companies above are doing well, which proves that even in tech, where things change fast, data storage will never go out of style.
Fool blogger David Delony has no positions in the stocks mentioned above. The Motley Fool owns shares of EMC and Western Digital. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.If you have questions about this post or the Fool's blog network, click here for information.


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22 U.S. Code § 5342 - Requirement of national treatment in underwriting government debt instruments
prev | next
(a) Findings
The Congress finds that—
(1) United States companies can successfully compete in foreign markets if they are given fair access to such markets;
(2) a trade surplus in services could offset the deficit in manufactured goods and help lower the overall trade deficit significantly;
(3) in contrast to the barriers faced by United States firms in Japan, Japanese firms generally have enjoyed access to United States financial markets on the same terms as United States firms; and
(4) United States firms seeking to compete in Japan face or have faced a variety of discriminatory barriers effectively precluding such firms from fairly competing for Japanese business, including—
(B) high fixed commission rates (ranging as high as 80 percent) which must be paid to members of the exchange by nonmembers for executing trades;
(C) unequal opportunities to participate in and act as lead manager for equity and bond underwritings;
(b) Designation of certain persons as primary dealers prohibited
(1) General rule
Neither the Board of Governors of the Federal Reserve System nor the Federal Reserve Bank of New York may designate, or permit the continuation of any prior designation of, any person of a foreign country as a primary dealer in government debt instruments if such foreign country does not accord to United States companies the same competitive opportunities in the underwriting and distribution of government debt instruments issued by such country as such country accords to domestic companies of such country.
(2) Certain prior acquisitions excepted
Paragraph (1) shall not apply to the continuation of the prior designation of a company as a primary dealer in government debt instruments if—
(B) before July 31, 1987—
(i) control of such company was acquired from a person (other than a person of a foreign country) by a person of a foreign country; or
(c) Exception for countries having or negotiating bilateral agreements with United States
Subsection (b) of this section shall not apply to any person of a foreign country if—
(1) that country, as of January 1, 1987, was negotiating a bilateral agreement with the United States under the authority of section 2112 (b)(4)(A) of title 19; or
(d) "Person of a foreign country" defined
For purposes of this section, a person is a "person of a foreign country" if that person, or any other person which directly or indirectly owns or controls that person, is a resident of that country, is organized under the laws of that country, or has its principal place of business in that country.
Source(Pub. L. 100–418, title III, § 3502,Aug. 23, 1988, 102 Stat. 1386.)
The table below lists the classification updates, since Jan. 3, 2012, for this section. Updates to a broader range of sections may be found at the update page for containing chapter, title, etc.
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We support and advance:
- To provide students, faculty, and administrators with an environment conducive to collegiality, learning, and constructive participation in college life
- To strive for diversity and pluralism in both the student body, the faculty, and the administration
- To promote international exchange of scholars and students
- To expand educational opportunities for persons of color, persons with disabilities, persons of different ethnic heritages, persons of different gender identities and orientations, and persons with limited financial resources.
- We disseminate information about practices, policies, and procedures regarding equal opportunity, disability, harassment, and discrimination
- We provide educational training to faculty, staff and students about their rights and responsibilities with regard to equal opportunity
- We help departments, divisions, and pluralism committees to develop and achieve annual goals to fulfill the college's Affirmation of Inclusion and Pluralism Compact.
Yoshiko Harden, Vice President for DiversityDate posted: June 27, 2013
Yoshiko Harden will lead efforts to promote equity and pluralism on campus by developing programs and providing guidance to campus leaders. "One of my primary goals is to increase access and success for all students, but particularly for historically marginalized groups," she says. Harden, with over a decade of experience as a student affairs practitioner, […]
Watch the "Closing the Gap" Music VideoDate posted: September 30, 2013
Bellevue College Staff and Students collaborated to give you this music video about Closing the Gap. Enjoy!


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Compass Bay Vacation Rentals with Air Conditioning(11)
11 Results
Recent Compass Bay Reviews
Home from home
Great holiday home. The owner has really thought out the needs of a vacationer and provided all you can think of. The beds are comfortable and the kitchen stocked with all the utensils you will ever need. Location is fantastic, you have access to 535 for I4 and Disney, also the Premium outlets are just off the 535. On the 192 are every restaurant and fast food you can imagine ! Useful tips- if you are going Disney bound via the 192 you can exit Compass Bay from another set of gates, from the villa head towards the entrance but go past towards the garbage bins, carry on past and follow the road, you will come to some gates that lead directly onto 192 avoiding the signal Tip2- to get the showers to work run the water and pull down a ring that is situated at the end of the faucet, where the water comes out. Tip3- come out of the main entrance, turn left, follow road under the parkway and as you get towards the traffic lights make a left and you'll find a super walmarts. This is is the way to 535 Tip4- if you want a close by cinema head to the Loop, it's 7 minutes away and has a Regal Cinema. Hope you have a great stay like we did
Could Not Be Happier!!!!!!
This is my first experience with a VRBO property and I was a little nervous, especially since this owner lived out of the country. However, I am here to say, I had NO reason whatsoever to worry about anything. This property is exactly how you see it pictured here. The entire home has touches of Disney down to the smallest details. The kitchen was the best stocked kitchen I have ever seen. There was not anything we needed and did not have---plus so much more that we would not have ever thought of. The Compass Bay community was quiet, very secure and we felt 100% comfortable being here. The I-4 interstate leading you into Disney World is less than 1/4 mile from the home, so with traffic every day we were at the parks in 15 minutes. I also wanted to note that there are instructions on how to use the tv, the sound system, xbox and all switches in the home are labeled with what they turn on/off. Every time I turned around, it felt like the owner did his very best to make this a wonderful experience…..and for us is was!!!! Thank you so much for making our 1st Disney trip a HUGE success!!!!!
Excellent condo. we actually stayed twice and perfect each time. Great location only min. from all parks. The condo is very clean and spacious and cost even less than a hotel would have cost us. The pool is great and right out the back door of the condo.The owner has been wonderful to work with. I will stay here each and every time I vacation in Fla. Thanks to the owner for his great service and a excellent and affordable place to stay and looking forward to staying again. Tamie


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Join 500,000+ Artists
Its' free and it takes less than 10 seconds!
Hello ive been lurking here for quite some time and i decided that its time to make sketchbook.
So about me im 17 years old i live in eastern europe (lithuania) but im russian
i started drawing 5 months ago and i love it for this whole time ive been drawing with pencils but soon ill buy a tablet because i want to try out a new medium im self taught and when i started out i though that deviantart will give me critiques and help me improve lol and recently i found this site and i see that people are giving constructive criticism and thats what ive been looking for!
Also i want to try to become a concept artist for video games but i need to work hard to try to reach this goal so i hope this community will help me out and i will improve! Ill try to update this everyday with some sketches atleast
if someone is intrested:
My drawing from day 1 (not all) basically to lazy to upload them here a lot of fan art but it just a idea for the drawing so i can concetrate on the basics
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Last edited by Hobitt; April 4th, 2013 at 01:59 PM.
Hi Hobbit! Another beginner here
From your deviantart profile and these sketches, I think you know what you're doing when shading the form, but you should study anatomy (it's what I'm doing right now).
If I were you, I would wait until I got better to get a tablet, since painting (be it digital or traditional) is based on good drawing skills. That's why I keep on drawing with a simple pencil, because the fundamentals are more important than either the medium or the color. Once you've mastered drawing with a pencil, painting should be relatively easier.
That's just my humble opinion, keep it up!!
BEHOLD!!! A LEMON! lol .Its my first life drawing because everything else was drawn with photo refs or from imagination did some other sketches but i feel they are not worth attention. And about the tablet i want to try to draw in color but im not abandoning traditional mediums no no no.
Sorry that i dont udpate daily but currently i need to wrap up some things before summer so i wont be able to update daily but i will try NOTE: most of these are quick sketches but i will try to draw a normal drawing in a few days
This is a quick drawing wanted to play around with values only + i cant really draw forest's so i will try to draw them once in a while:
Some mongolian i saw in a photo tried to draw him but i failed
Finnaly found a mistake i was doing with 2 point perspective my vanishing points were to close so i devided the paper from the sides any advice how can i place vanishing points so they would be far away from each other?
And some loomis studies (not all of them)
Small update:
Hello im back i got my tablet and i love it but hard to learn, here are some of my works :
But nothing beats pencil and paper felt so good grabbing a A4 and a pencil and draw. About this picture i remembered from somewhere maybe it was warhammer 40k i don't remember, lances with rpg round in them and i continued this idea combining both old and new ,used a little bit of photo reference.
Critiques would be appreciated
Last edited by Hobitt; July 26th, 2012 at 10:48 AM.
Soon summer will begin and i will be able to spend ALL of my time drawing but for now here some sketches didin't upload everything it would take me ages
About this one my friend saw my small sketch of some thing im not even sure what it was he liked it asked to make a avatar for him so i did also colored it in photoshop as he asked but ill just upload the original
Finaly summer has started and now im drawing every day ill update the sketchbook less but with more content it takes to long to upload
Another update mostly studies and stuff from imagination
Another update i would appreciate some advice or critiques
And a 20-30 minute sketch done in photoshop
Keep up the anatomy studies, and try some still lives. You learn lots from 'em, including construction and form, light, etc. Start simple, and don't give up, I'll be watching you.
-Alex Lee Davis
Here's an eye drawing tip from Loomis http://fineart.sk/photo-references/d...-and-hands/049 with the text to go with it: http://fineart.sk/photo-references/d...-and-hands/047
And another: http://fineart.sk/photo-references/f...rew-loomis/162
Hello! Before you work in digital any longer, I'd like to see you practice basic shapes and how they fit together!
Sketchbook --I'd love some feedback!
A small update i will scan and upload rest of my stuff in a few days!
A skull study was fun to do.
Like i sed i finally uploaded my stuff
And some stuff from my sketchbook
Another update
Found some old gouache lying around and i decided to give it a go
Another one, drawn from a photo
My first successful attempt at a enviromental drawing with a pencil !
My SKETCHBOOK is waiting for your critics!
Some perspective practice and digital stuff
Another update i decided that it will be good to do gesture drawings so i sat in front of a mirror for 30 mins and did it, just an example and some from imagination
Also did a gouache painting a photo study
Heres a sketch for the daily sketch group
A photo study
Another photo study
And some sketches from imagination
So a few days ago i decided to do still lifes everyday + other stuff
Still lifes:
Photo studies:
Stuff from imagination:
Last edited by Hobitt; August 7th, 2012 at 12:17 PM.
A self portrait! but not a very successful one.
Just finished a digital painting done loosely on a picture, best one so far!
critiques appreciated
Last edited by Hobitt; August 13th, 2012 at 06:30 AM.
Some studies, fan art/photo studies, still lifes.Critiques appreciated
I think you may be trying to tackle too much at once. Try studying proportions first. You seem to have one of the loomis books. Study the manikin until you can draw it in your sleep. Then move on to another subject. Good luck to you.
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SpringOfSea's Sketchbook


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Kitchen Table Book Discussion
Published on Monday, April 2, 2012 - 3:52pm
"The Guns of August"
You are cordially invited to attend a discussion of The Guns of August by Barbara Wertheim Tuchman at 1 p.m. on Sat., April 28th. Copies of the book are available for checkout at the Southwest Library. Also available in audio format.


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Visit Vegas to Run the Rock 'n' Roll Marathon
Written on November 6, 2012 at 11:15 am , by Jenna Autuori
Before 2012 comes to an end, I'm squeezing in just one more thing. I'm heading out to Las Vegas—my first trip there!—to run in the Rock 'n' Roll Marathon Series Strip At Night Half-Marathon taking place on December 2. I'll fit in all my sight-seeing needs as I run 13.1 miles along the infamous strip! It'll be my first race that doesn't have me waking up at the crack of dawn to line up, and an added bonus for me: My husband is coming too and he's running his first half-marathon! (Proud wife over here!)
As a runner and triathlete, I'm always squeezing new races into my calendar, but as you can see this one leaves me with only 5 weeks to train! And let's just say I haven't pounded the pavement nearly as much as usual these past few months. That's why I was in desperate need of a quick, but manageable half-marathon training plan that fits my needs. Luckily, two-time U.S. Olympian, Alan Culpepper, and Operations Director for the Rock 'N Roll series, whipped me up an amazing plan that I began last week.
I'm always amazed at what the body is capable of if you teach it what to do. Every day last week, I did my miles, adding on a few minutes each day, and by this weekend my body remembered all those miles it used to log and running began to feel natural again. Believe me, starting something is always the hardest step to take. Try this tip: Hop on your treadmill for 20 minutes (or two miles) and every day add on five minutes (or half a mile). You'll be able to see how easy it is to progress when you break it down like this—and the miles won't seem as intimidating too. (Read on for more training tips) Read more
Categories: Motivation, The Fit Stop, Workouts | Tags: half marathon training, rock n roll half marathon, rock n roll marathon, running, vegas
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The above information was disclosed in a filing to the SEC. Some additional info was provided as follows:
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VP29 Phono Preamp
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London Film Festival 2010: Conviction Premiere Gallery
The stars of Conviction – Hilary Swank, Minnie Driver and Sam Rockwell – attended the UK premiere of the film at the Vue West End in London on Friday (October 15) as part of the 54th BFI London Film Festival. The film follows the true story of a sister who trained herself to become a lawyer in order to clear her brother's name after he was wrongly sentenced to life in prison for a murder he did not commit. View photos from the red carpet…
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Recent Galleries:
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The Exploding Popularity of Chef-To-Farm Dinners
There are hordes of people eating in Connecticut farm fields this summer. They're eating next to pumpkin patches and beside rows of tomatoes, sunflowers, beans and peppers.
And the food they're scarfing down like hunger-crazed locusts was pulled out of the ground just a short while before, or plucked that day from the branches of a nearby orchard, or harvested from local shellfish beds and Long Island Sound's waters.
We're not talking field hands here, 'cause they're also sipping rose wine or sangria and noshing on local high-end cheese, raw oysters and fresh little spring rolls while listening to the music of goats and turkeys and cows.
It's a phenomenon called "chef-to-farm" dinners, and it's become hugely popular with chefs, restaurant owners, farmers and especially diners all over the state.
These locavore extravaganzas can be found at White Gate Farm in East Lyme; at Barberry Hill Farm in Madison and Scott's Farm and Greenhouses in Essex; at Rosedale Farms in Simsbury and Holbrook Farm in Bethel; at Priam Vineyard in Colchester and Millstone Farm in Wilton; and at more than a dozen other locations this summer and fall.
They tend to be mouth-watering experiences involving multi-course feasts with food bursting with the tastes of the season. These evenings are not for the short of cash: per person tickets can range from $60 to more than $200. But that sort of money usually buys you a farm tour, great scenery, and seats in elegant tents in addition to the food.
"The whole farm-to-table movement has exploded in the last five years," says Stephanie Webster, founder of a Westport-based foodie website called CTbites. "And in the last couple of years, [the chef-to-farm concept] has gotten much bigger."
Webster says the farm dinner, where restaurant chefs cook and serve locally grown food on the farms where it's grown, satisfies a whole bunch of different desires.
For folks interested in supporting local farmers or worried about what the Big Agriculture and Big Food industries have done to what we're eating, farm dinners are a way of connecting back to the people and places where their food is grown.
Webster says eating a chef-concocted meal in a tent on a picturesque farm is also "sexier than eating at your local venue where you've dined dozens of times before."
Chefs love these dinners for a lot of reasons as well, not least because they get to cook the freshest possible produce, meat and fish.
"It's great for us when you can get something that's pulled from the earth" just a few hours before, says Nick Verdisco, sous chef at The Schoolhouse at Cannondale in Wilton. The chef-owner of that restaurant, Tim LaBant, does his dinners at Millstone Farm in Wilton.
There is also the refreshing advantage for a chef and his or her staff of moving out of a hot, crowded, frantic restaurant kitchen for a night or two and getting some fresh air.
"Just the change of scenery is huge for us," Verdisco laughs. "You can look out and see goats and pigs and things." And these open-air kitchen events give the diners an opportunity to see exactly how a restaurant meal is prepared. "People like seeing the hands of the people actually producing the food," Verdisco says.
Summer is also a traditionally slow time for restaurants, so staging a farm dinner is a great way to connect with new customers, reconnect with regulars, and make some more money.
"I would say most of these are not philanthropic," says Webster. "They're just dining events."
These farm dinners also offer the farmers who participate a badly needed source of cash.
"Part of our business plan is to stay alive," says Marshall Epstein, who with his wife owns Rosedale Farms and Vineyards in Simsbury. "Farming has been tough the last few years, and we're one of the last working farms in this area."
Rosedale hosts several dinners put on by the popular Max Restaurant Group, which also puts on chef-to-farm events in Lebanon, Coventry, Durham and South Glastonbury.
"It's an asset we can't afford to overlook," says Epstein, who adds that it brings people to the farm who never would have thought to visit except for these dinners.
Many of these dining events are also used to raise money for special charities as well as local farmers.
Jonathan Rapp, chef-owner of River Tavern in Chester, was one of the first and most successful creators of Connecticut's farm-dinner scene. Rapp's events are now held at White Gate Farm in East Lyme, Scott's Farm in Essex, and Barberry Hill Farm in Madison.
Funds from these "Dinners at the Farm" events go to a number of worthy causes, including CitySeed, the Connecticut Farmland Trust, Working Lands Alliance, and the New Connecticut Farmer Alliance.
Webster says the success of those early River Tavern farm dinners caught the eyes of chefs around the state. "They did it right," she points out. "Every chef went, 'I can do this.'"
And Webster adds that the chance to use the absolutely freshest foods available also offers chefs "a creative challenge" they find hard to pass up.
Verdisco acknowledges that's part of the attraction. "The food changes," he says. "What you can get from a farm changes" with the seasons, and that means what a chef creates has to change from spring to summer to fall.
So if you'd like to try a chef-created dinner, seated at a long table under a tent in the middle of a beautiful Connecticut farm field, you might just want to give it a try before the harvest-time ends.
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Copyright © 2014, Orlando Sentinel


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"Friday" puts the viral in viral videos
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Friday by Rebecca Black is the new YouTube internet sensation that everyone loves to hate. The lame lyrics and cheesy video have made a thirteen year old girl a prime target for harassment.
This amateur music video has now become the most disliked video on YouTube with over 1.19 million dislikes. Critics have deemed this innocent video as "the worst video ever" and an "abomination." Black is receiving harsh marks from hateful reviews to death threats and death hoaxes. Most people believe this could seem pretty harsh treatment for a thirteen year old's first music video. With all the junk on the YouTube, why all the hate for this one video?
Sophomore Kate Foster is not a fan of the video. Foster said, "It sucks. It just says the same parts over and over and she can't even sing." Chapin High School students have mixed reviews on Black's video. Sophomore Bailey Gowans approves of the harmless video, "I think it is funny and a lot different because it's not inappropriate… Rebecca Black took the video really seriously and everyone else thought it was just funny."
Chapin High school students have a wide range of opinions from jealousy to hatred. One of the main reasons people seem to love to hate the video is that Black seems unwilling to get in on the laughable aspect of the video. Most people believe she is taking herself and the video a bit too seriously.
Others also blame the people that have supported her in making the reportedly $2000 video, which lead her to believe that she has a beautiful voice.
"If I were her parents, I would be honest with her about the fact she can't sing and then they wouldn't have to spend $2,000 dollars," said Jessica Fairhart, sophomore However, nearly the whole world has told her she can not sing and she doesn't seem to be taking the hint.
Foster believes the hate stems from jealousy. "People are mad because she is now famous and got money from the video," claims Foster.


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Lauree Morton is the Executive Director of the Council. Her work for the anti-rape and battered women's movements started in 1984 at a shelter in rural east Texas. While there, she worked as an advocate and a volunteer coordinator. Prior to being hired by Tundra Women's Coalition and moving to Bethel in 1989, Lauree also worked in a large metropolitan area shelter as a rape crisis counselor and shelter manager.
As the executive director at TWC, Lauree gained first-hand experience in working with a Board of Directors, applying for state and federal grants, engaging in political discourse and complying with the Council's regulations as a grantee. TWC is an organizational member of the Alaska Network on Domestic Violence and Sexual Assault and as TWC's representative, Lauree served that agency as Secretary and President of its Steering Committee.
Lauree's growing interest in systemic change influenced her decision to leave Bethel and direct service. She moved to Juneau in 1994 accepting the executive director position at the Network, serving in that capacity for ten years. One of her primary responsibilities was to act as liaison between the Network and the Council.
The mid-nineties saw sweeping change as the Violence Against Women's Act passed Congress and the Domestic Violence Act passed the Alaska Legislature. During her tenure at the Network, Lauree established the Legal Advocacy Project and guided Alaska's participation in the national 10 State Health Initiative and the Model Code Project of the National Council of Juvenile and Family Court Judges. She formed the Network''s Training Project and the Network was a successful applicant to participate in the CDC's Domestic Violence Prevention Enhancement and Leadership Through Alliances (DELTA) prevention project. Lauree left public service and saw her mother through the last stages of Parkinson's disease.
In the summer of 2007, she joined the Council as a grant-writer/special projects coordinator and moved from the program coordinator II position to fill-in as the interim director. Lauree was named Executive Director of the Council on July 7, 2011.
Lauree's Remarks at Juneau's 2012 Choose Respect March
Lauree's Remarks at Juneau's 2011 Choose Respect March


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Ariel Shot, Abu Dhabi Abu Dhabi has been ranked as one of the top two cities in the Middle East for quality of life (Mercer Quality of Living City Rankings, 2009), with the vibrant global capital bursting with dazzling business and leisure facilities that include a state-of-the-art convention centre, luxurious hotels, spas, designer golf courses, theatres and, very soon, some of the world's most famous museums. In fact, long-time investors, including a wide range of multinational companies from across the globe, have maintained operations in the Emirate for decades.
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Leonberger Breeders
- Search Results :
- Sort Results :
Kathie & Peter Hay
Current Health Tests
We are a small hobby kennel, having held the Wolfen Affix
for over 40 years. We have bred 5 Champions - 4 English
and 2 International.
We are Kennel Club Assured Breeders.We have owned Leonbergers for over 12 years.
Akitas for over 22 yrs
Norwegian Buhunds for over 25 yrs.
Racquel Walker
Current Health Tests
I have been enjoying this breed since 1997. I only started breeding in 2004 trying to ensure I knew as much as currently possible about this wonderful breed before I started breeding myself. I spent a lot of time listening to what others had done and what health issues were to be taken into consideration and avoided. I am still learning and always have my ears and eyes open to ensure my knowledge continues.
All my dogs live together and are not kennelled enjoying one anothers company with ages ranging from 4 months to 8 :-) All my dogs are walked daily which normally involves mud and .... (click to read more)
Julie Gallimore
Current Health Tests
Having had and bred Coton de Tulear for 8 years we decided after many years of longing for a leonberger got out first from Pagency Leos, We had a beautiful female and called her Delilah shes an absolute wonderful girl an absolute credit to the breed.
Carol Folkes & Katrina Turner
Current Health Tests
We are a small show kennel situated on the Devon/Cornwall border.WE have been owned by leos since 2005, In this time we have made Carols 1st dog into a champion Clunkamoor Early Bird at Dacfolke "Hogan" , We also have had the pleasure of breeding one ourselves Dacfolke Xalbadora "Cara".All our dogs are health tested
Lionize Leonbergers
Wendy Williams
Current Health Tests
We are a small Kennel Club Assured Breeder of Leonbergers based in Cheltenham, Gloucestershire.
We own two wonderful Leo's named Buddy (Kjalarnes Venturer) and Summer (Kumamatata Fantasy)
Danny and Dainy Miles
New Milton
Current Health Tests
We have been proud owners of Great Danes for the past fifteen years. Our Sky being the most laid back ever. We wanted a second dog but did not think we would find another Dane so laid back as they can be quite highly strung. We started to research giant breeds as we love BIG dogs... we came across the Leonberger. We met two on our forest walks with Sky two fantastic Leonbergers brother and sister, we talked with the owner many times. we then went to visit three leos in there own home, the puppy we had shown interest in was in fact third generation to one of there previous Leos. We brought our .... (click to read more)
Caroline King-Cherne
Current Health Tests
My name is Caroline and I have had the Tanyvska affix for many years. I live with my partner, Mark and my son, Phil.
We currently live with four Leonbergers and a rescue crossbreed.
All the family "live in" so we have a sometimes very muddy and hairy house and a well exercised Dyson.
We brought home our first Leonberger puppy, Mica (Saljay one Step Beyound at Tanyvska), in March 2000. Mica was bred by Sally-Anne Sandalls. When Mica was about two years old we brought home Oskar, aka Wozzy, (Kitarn Secret Revelation by Tanyvska), bred by Richard Kinsey, who was unfortunately taken from .... (click to read more)
Mr and Mrs Capille
Current Health Tests
Here at Lendever we own, train and work Spanish Water Dogs and Leonbergers. The two breeds are totally different from each other but they share our great interest, love and knowledge of the breed.
We became hooked on SWD when we got our first rescue. We trained and rehabilitated this dog to show people what a fantastic breed it is and what can achieved from this magnificent breed.
Leonbergers have always played a huge part in our lives and we currently share our home with four of them.
We live near Chesterfield and welcome any questions or queries you may have regarding .... (click to read more)
Mrs Julie Cole
West Sussex
Current Health Tests
Welcome to Simden Leonbergers
We are a small concern, owning just four leonbergers, all related who share our home with us and live in the house as part of the family.
Three of my girls have had all the health checks recommended by the LCGB, of which i am a member,and the youngest, Winnie will have hers when she is old enough. please see their individual pages for further details.
When considering a mating
I spend a long time looking for what i feel is the right combination, i always place temperementand health as my first concern and when i breed it will always be because i .... (click to read more)
Schonleos Leonbergers
Mrs Tracey Brown
Current Health Tests
Welcome to schonleos leonbergers we live in cornwall with our dogs
Lisa & Graham Bartholomew
Three Cups Corner
East Sussex
Current Health Tests
We are owned and loved by 5 leonbergers, 5 cavaliers and 3 papiilons. I have had cavaliers for the last 25 years and had my first leo in 1994.
We enjoy showing our dogs and have been quite successful. The highlight was getting Best of Breed at Crufts in 1999 with Manorguard Lady Lisa at Leotroy. "Poppi" was the light of my life and lives on through her granddaughter Leotroy Cheeky Vimto.
All our leos have been hip and elbow scored and carry a current eye certificate.
Our cavaliers carry a current eye and heart test.
The papillons carry current eye .... (click to read more)
Benellieson Linda Cleary Southampton Hampshire
Pagency Mr A & Mrs D Page Stoke-On-Trent Staffordshire
Janet Andrews Lincoln Lincolnshire
Rossnick Jan Marshall Market Rasen Lincolnshire
Sancholees Leonbergers Mr P Hayden & Miss K Dunn Rugeley Staffordshire
Vectiseleon Penny Dabell Stoke-On-Trent Staffs
Pantheraleo Mrs Jacqueline & Mr Alex Pealing Richmond North Yorkshire
Zuleona Ms S Major Grays Essex
Kjalarnes Teresa Beddis Coventry West Midlands


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State of Conservation (SOC)
Medina of Essaouira (formerly Mogador)
Medina of Essaouira (formerly Mogador)
Date of Inscription: 2001
Category: Cultural
Criteria: (ii)(iv)
- Commercial development
- Solid waste
- Other Threats:
a) Progressive deterioration of the built area b) Continuous collapse of buildingsc) Major deterioration of the maritime part of the fortifications of the Medina
* :
The threats indicated are listed in alphabetical order; their order does not constitute a classification according to the importance of their impact on the property.
Furthermore, they are presented irrespective of the type of threat faced by the property, i.e. with specific and proven imminent danger ("ascertained danger") or with threats which could have deleterious effects on the property's Outstanding Universal Value ("potential danger").
** : All mission reports are not always available electronically.


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- Jordan Reeves
- New York, NY
- United States
TED-Ed Community Manager, TED Conferences
This conversation is closed.
TED-Ed needs your help! Where can we find the best videos?
I'm compiling a list of videos that I can put before the people who are creating lessons on the TED-Ed website (ed.ted.com). The videos that we suggest should be impeccable -- quality of video, content of video, and it's appropriateness for a high school classroom. They also have to be on YouTube.
Here's a few examples of amazing videos:
1) What Color Is A Mirror?
2) Cicadas and Exoskeletons: Bite Sci-zed
3) Why is it Dark at Night?
4) High Diving Giraffes (we can contextualize any quality video)
5) Slow Motion Flipping Cat Physics (I had to include a cat video)
6) The Quakers, the Dutch, and the Ladies
Don't worry about suggesting TED Talks or TEDx Talks. We're already creating lessons around that content. I'm looking for amazing videos that people may not know about yet.
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Aug 20 2013: Just so you know, here's a TED-Ed Blog post that showcases some of the best science videos to flip:
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Rebalancing Your Investment Portfolio
Published on - April 20th, 2011 (by Robert Brokamp)
This is a guest post from Robert Brokamp of The Motley Fool. Robert is a Certified Financial Planner and the adviser for The Motley Fool's Rule Your Retirement service. He also has a newly reinvigorated blog, and you can have your day interrupted once or twice by his Twittering. Robert contributes one new article to Get Rich Slowly every two weeks.
How would you like $4,290,387? It's easy! Just go back to 1972 and invest $100,000 into a well-diversified portfolio. Not enough money for you? Well, then, here's how you can add $334,124 to that tidy sum: Simply rebalance this well-diversified portfolio annually.
Okay, despite my fondness for Marty McFly, there's no way to travel back 38 years and open a brokerage account. But the past few decades may provide clues about the next few, especially regarding portfolio behavior and the value of rebalancing. Below, we'll look at three common beliefs about rebalancing and explain whether they're true or false — and why.
Reduce, Reuse … Rebalance?
In case you're new to the concept, rebalancing is the process of returning a portfolio to an investor's predetermined appropriate allocation (for example, 65% stocks and 35% bonds). A balanced portfolio is key to ensuring steady, growing returns, but the movement of various investments over time can cause that initial, balanced allocation to change; assets that have done well become a bigger piece of the pie, while the laggards shrink to a smaller portion.
Historically, broad asset classes tend to (but don't always) revert to the mean, which is a fancy way of saying that the best investments over the past several years will often be among the worst over the next several years, and vice-versa. By rebalancing a portfolio, you're aiming to sell hot investments before they turn cold, then use the proceeds to buy investments that are warming up. Doing this ensures that every asset remains represented at the level you find appropriate.
Let's examine the behavior of stocks since 1972, a period during which the market had its share of hard times. The decline of the "Nifty Fifty" stocks during the market crash of 1973 and '74 was at the time the biggest drop since the Depression, and during the "lost decade" we've just experienced, U.S. stocks posted their worst 10-year return ever, including the Depression.
Would rebalancing have helped during that time? Let's find out. Join me in the plutonium-powered DeLorean and travel back to the year Al Pacino's horse head beat out Jon Voight's pretty mouth for the Best Picture Oscar.
The Asset Allocation Under Inspection
The investment portfolio we're studying has the following assets:
- U.S. large-cap stocks: 25%
- U.S. small-cap stocks: 15%
- International stocks: 15%
- Real estate investment trusts: 10%
- Intermediate-term government bonds: 35%
We'll examine how this portfolio performed from 1972 (the first year with reliable numbers for each asset class) through the end of 2009, and compare the returns under two scenarios: one in which it is never rebalanced, and one in which it is rebalanced annually. We'll then compare our back-tested portfolios to the S&P 500, since the typical American portfolio is dominated by S&P 500 stocks.
But first, let's put our guinea-pig portfolio under the microscope to see what history has to say.
|No Rebalancing
|Annual Rebalancing
|Annualized Return
|$100,000 Turned Into …
|Number of Calendar-Year Declines
|Worst Calendar-Year Declines
|(32.6%), (12.4%), (11.9%)
|(20.4%), (13.1%), (10.4%)
|(37.0%), (26.5%), (22.1%)
|Source: My calculations using data from Ibbotson, MSCI EAFE, and NAREIT
Armed with these numbers, we can prove or disprove our three basic principles.
True or False: Rebalancing Always Significantly Improves Returns?
At first glance, the extra return gained from rebalancing our case-study portfolio doesn't appear extraordinary: a mere 0.2% a year. However, the rebalanced portfolio is worth $334,124 more than its counterpart — an amount that is more than three times the original investment. And who wouldn't want an extra $330,000 for about an hour of work a year?
It just goes to show how earning a tiny bit more, compounded over decades, can really pay off. We see this even more when comparing the annually rebalanced portfolio to the S&P 500, which earned 0.7% less a year but grew to "just" $3,622,187. The diversified, rebalanced portfolio was worth $1,002,324 more — that's a 27.7% increase. Shazam!
That said, if you rebalance out of an asset that's on an upward trend, you can actually earn less. Let's break down the returns from our non-rebalanced and annually rebalanced portfolios by decade:
|Annualized Returns by Decade
|No Rebalancing
|Annual Rebalancing
The benefit of rebalancing during the '70s, '80s, and 2000s was higher than the 0.2% annual increased return observed over the entire 38 years. But the 1990s were a different story; during that time, rebalancing actually reduced returns. That's because U.S. stocks, particularly large caps, were on a tear through most of the decade. Rebalancing in those years would have required investors to sell those asset classes before they had run out of gas, then buy lower-performing assets like international stocks and Treasuries — which posted less than half the return of U.S. stocks during the 1990s.
However, U.S. stocks got their comeuppance (actually, come-down-ance) in the 2000s. One reason the benefit of rebalancing has been greater over the past decade (1.3% per year, on average) is that the rebalanced portfolio entered the 2000s with lower exposure to U.S. large caps, meaning it was more protected when they reverted with a vengeance.
True or false? False. The boost rebalancing gives to returns is inconsistent — sometimes big, sometimes small, sometimes nonexistent, depending on market conditions. However, in the long term, you can expect it to add a smidge to your returns, which could add a not-insignificant amount to the portfolio's final dollar value.
True or False: Rebalancing Is About Managing Risk?
Look back at the table of our back-tested results, and you'll see that the rebalanced portfolio was less risky. It had fewer "down" years — and the declines it did have weren't as bad. A non-rebalanced portfolio is subject to "asset drift," when winners grow to take up a bigger proportion of a portfolio. We can illustrate this by reviewing the allocations of our non-rebalanced portfolio at three points: (1) at the start of our study, (2) right before the dot-com bust that began in 2000, and (3) right before the "Great Recession" crash of 2008.
|Large Caps
|Small Caps
|International Stocks
|Beginning of 1972
|End of 1999
|End of 2007
In each case, the portfolio became considerably more aggressive, eventually coming to hold less than a third of its targeted allocation to bonds — right before two major stock-market corrections. Mazahs! (That's the opposite of "Shazam!") By the end of 1999, the portfolio's largest holding by far was U.S. large caps — on the eve of their worst decade ever. And by the end of 2007, more than a third of the portfolio was in U.S. small caps, the most volatile asset class in our study.
A study by fund company Vanguard shows an extreme example of what can happen to a non-rebalanced portfolio. The researchers found that a portfolio created in 1926 with 60% stocks and 40% bonds would have ended 2009 with 97% of its assets in stocks. This is the opposite of the approach most investors should take; in general, your portfolio should get more conservative as you approach and enter retirement. By determining a proper asset allocation and regularly rebalancing, the investor — not the market — determines the level of risk in the portfolio.
True or false? True … usually. Rebalancing can move you out of highfliers poised for a fall. The degree to which that reduces your risk depends on what you're rebalancing your portfolio into. Which brings us to our next point …
True or False: The Stock-Bond Split Is Key?
If the investments in your portfolio tend to move together in the same direction and to similar degrees, rebalancing is less useful. Conversely, when those holdings don't move in lockstep, rebalancing does a better job at managing risk.
In the investment world, that lockstep is known as correlation — the degree to which assets perform similarly in any given year. Broad categories of stocks — e.g., large caps and small caps, or U.S. stocks and European stocks — are at least somewhat correlated, often highly so. Stocks and bonds, on the other hand, are only mildly correlated, and most importantly, bonds tend to smell rosy when stocks stink. Thus, if the biggest reason to rebalance is to control risk (which is usually done by investing in bonds), then the most important allocation to monitor and rebalance is your stock-bond split.
Let's return to our example portfolio but remove the bonds, instead adding 10% to large caps, small caps, and international stocks, and 5% to REITs. The results: The non-rebalanced portfolio posts an annualized return of 11.3% (turning $100,000 into $5,785,943), whereas the rebalanced portfolio returns an annualized 11.5% (ending with $6,328,103). Once again, we see a rebalancing bonus of 0.2% a year.
However, on the risk-reduction front, rebalancing added nada. Both portfolios experienced seven years of declines of similar degrees. The three worst calendar-year declines for the non-rebalanced portfolio were 38.1%, 23.2%, and 18.2%, and the three worst for the rebalanced portfolio were 38.6%, 23.0%, and 18.7%. The rebalanced portfolio earned higher returns in the 1970s, 1980s, and — interestingly — the 1990s. However, the bond-free rebalanced portfolio slightly trailed the bond-free non-rebalanced portfolio in the 2000s — the decade when risk reduction was needed most.
True or false? In general, true. Ensuring the right split between stocks and bonds can lower your risk of sharp declines — and of running out of money in the future.
Tips for Rebalancing
Enough theory! Here are some practical considerations when it comes to rearranging your portfolio.
- Account for taxes and other costs. If rebalancing results in big commissions or tax bills, the potential boost to returns could easily disappear. Whenever possible, rebalance in tax-advantaged accounts — such as IRAs or 401(k)s — and keep costs low by limiting transactions to no-load funds and discount brokerages. That said, don't let the tax tail wag the investment dog. Plenty of people held onto stocks in the 1990s just because they didn't want to pay the capital gains taxes. The market took care of that for them — by significantly reducing or eliminating the gains.
- Rebalance with contributions and withdrawals. You can gradually rebalance your portfolio with strategic inflows and outflows. If you're still working, use savings to buy more of underweighted assets (those that take up less of your portfolio than current market conditions warrant); retirees, on the other hand, should sell what's become overweighted. An analysis by asset manager and author Phil DeMuth found that selling what has performed the best over the past year could prolong the life of a portfolio.
- Rebalance annually — at most. Rebalancing more than once a year (e.g., monthly or quarterly) is more trouble than it's worth. You'll spend more in time, costs, and taxes to get a lower return. In technical terms, such behavior is known as "silly." In fact, you'll likely realize slightly higher returns and lower transaction costs if you rebalance even less frequently than annually — perhaps every two to three years. For example, you could rebalance once an asset class reaches a certain level — such as being 20% below your target allocation, or 20% beyond it. Thus, if your goal is that a certain asset make up 10% of your portfolio, you'd rebalance once that asset declined to less than 8% or grew beyond 12%.
In the end, it's most important that you choose the strategy you'll really do. For ease of implementation, it's hard to beat annual rebalancing. As asset manager Rick Ferri wrote in All About Asset Allocation:
What is best for you is [a plan] you will actually maintain without procrastination. Annual rebalancing is simple and cost-effective, and it takes only a little time each year to implement, which means that you are more likely to get it done.
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Wow! Great breakdown of rebalancing your portfolio! I am currently rebalancing mine every quarter, which should yield me even more money, assuming my more risky investments continue to increase over time.
I do not understand those that completely ignore rebalancing. I guess people don't realize that they could be missing out on some retirement money.
Thanks again.
Sound strategy in normal times. But again, don't move your money from stocks into bonds in this economy. Bonds are not going to help you grow your wealth in an environment of ultra low interest rates, central bank bond purchases, rising inflation and default (see Europe) risks. Instead, you're risking to lose a lot either through inflation or haircuts.
Excellent article! I go by the 5% rule! If any of my assets are off this threshold, I rebalance and other times when the market is really beaten down I rebalance!
I only wish my tax deferred retirement account was larger!
I just read the first 2 lines and already knew this would be an excellent one.
Thanks Robert
You know this is a timely article for me. I love The Motley Fool, and I generally read it daily. I also have been toying with the idea of a more involved re balancing plan, rather than stuffing my investments in target date funds. The returns have been minimal, but the time investment has also been minimal. So it appears, that if done correctly, you can certainly experience a much better balanced portfolio if you are willing to put in the time to learn and stay diligent. Thanks Robert!
Actually, a significant advantage of LifeCycle (a.k.a. Target Date) funds is that they re-balance for you and with consistency.
This is not the message of the article and it ignores the fact that Target Date funds rebalance for you automatically. Equally important, it does not comply with the frequent GRS advice to invest without being reactionary to short term market shifts.
Refer to JD's articles on Target Date / Life Cycle funds – they rebalance for you, allow you to "invest and forget" without worrying about shifting toward bonds as you near retirement, and (through Vanguard) are VERY low cost (e.g., .18% expense ratio).
Reconsider shifting away from Target date funds, they're an excellent option!
I'd like to know a little more about how to trade-off fees from the benefits of rebalancing. Obviously while I'm still growing my portfolio it makes sense to rebalance through new investments rather than selling off old ones, but mechanically that's a hassle with my retirement accounts– it is much easier to use their rebalance function, even though that means it will sell. The size of the costs and benefits of all this are still a mystery to me.
Also it's interesting to read to just rebalance once a year. I had read advice that said to do it quarterly, but I'd wondered if fees would eat up the gains from doing that.
I'd be interested to see a professional opinion on that, too.
What we're doing right now is rebalancing with new investments across our whole set of accounts – we just did the 2011 Roth investments, and the windows for changing allocations in our respective 401ks are coming up this month and in June, so now is the time I have to figure it out!
I also wonder if/how I should consider other assets in the mix – our son's 529 is nearly all stock, and that unbalances our investments even more if I include it.
I have always rebalanced annually…quarterly seems too often to me. Having said that however I don't think I have rebalanced in two years. Guess what my project this afternoon is going to be…
this article needs more cat photos!
It is true, most articles do!
Cats are good at rebalancing, even after a fall.
I used to get pretty annoyed at books and articles that would encourage me to rebalance without describing how to do it. Even some of my serious nerdfest asset allocation books gloss over this important topic with simple examples that don't run up against the walls of minimum investments and inability to transfer funds between accounts.
I finally figured out a method that works pretty well– keep all my small accounts with a single asset per account and put a little from each asset in my large account (or accounts if absolutely necessary– but it gets much harder to rebalance as more "large" accounts are added.)
I never touch the small accounts except to make contributions. I rebalance the large accounts to adjust the totals in each asset class without running up against those annoying minimums.
It works MUCH better than trying to balance each account.
Fantastic post — thanks so much! I've been wondering about this subject for awhile now, and this is really helping me plan for managing by investments
Good article. I also remember reading, though now I don't recall where, that rebalancing every 2-3 years tended to outperform annual rebalancing, since it lets "winners" have a bit more of a run before you rein them in.
Target date funds are another option for more hands off investors. But just make sure you keep an eye on expenses!
Lifecycle funds do this automatically, so that's one more reason to have them.
Hear hear! A significant advantage of LifeCycle (a.k.a. Target Date) funds is that they re-balance for you and with consistency.
Even among the experienced readers here this is not well understood. See @DJ Wetzel's comment above:
"I also have been toying with the idea of a more involved re balancing plan, rather than stuffing my investments in target date funds. The returns have been minimal, but the time investment has also been minimal. So it appears, that if done correctly, you can certainly experience a much better balanced portfolio if you are willing to put in the time to learn and stay diligent."
This is not the message of the article and it ignores the fact that Target Date funds rebalance for you automatically. Equally important, it does not comply with the frequent GRS advice to invest without being reactionary to short term market shifts.
Very good write up on rebalancing! I rebalance with new contribution throughout the year and also do annual rebalace at the end of the year.
Rebalancing can be a good idea, but it can also be a bad idea at times.
Lets consider the target retirement funds that do the rebalancing for you.
Also, after the "collapse", I left my funds invested in the same risky, volatile stocks that dropped 40 points in a couple months, and I still am invested in them today. I continued to buy shares (though much cheaper when the price crashed) and after a year I had gained all the money back from the "lost decade" and then some. Like Buffet says, you want to get in when everone else is getting out, more or less.
This post looks extremely interesting but I'm not at the point that I can read it for comprehension without significant effort– in other words, I don't yet know enough about the subject. I would like to come back to it a few months down the road though. I guess I'll have to click on the whole "investing" keyword and see what surfaces.
Right now, I'm more concerned with making my business profitable
I have to admit I didn't understand it either, which my comment below may prove.
"such as being 20% below your target allocation, or 20% beyond it. Thus, if your goal is that a certain asset make up 10% of your portfolio, you'd rebalance once that asset declined to less than 8% or grew beyond 12%."
Does this make sense, or is it supposed to be 2%? Waiting until it gets to 20% above or below seems to be waiting too long… or possibly I just don't understand the point here? Is it +/- 20% of total?
I think he meant 20% increase or decrease from 10%. In other words:
10 * 0.8 (down 20%) = 8%
10 / 0.8 (up 20%) = 12.5%
I see it now – thanks Carey!
Thanks for this great article. I've known that I should re-balance and never quite known how. I have generally rebalanced by adding more to the asset classes that needed beefing up but somehow thought that wasn't quite right. It seems to work and I'm glad to read that is the suggested way to do it while still working.
Awesome article!
I'm just getting to the point in my portfolio where I am investing in more than one fund, and this explains re-balancing simply.
Keep the investing articles coming!
Thanks for the interesting and informative article! My husband and I have recently worked out a new asset allocation strategy for our ROTH IRAs. We plan to rebalance yearly, and this is great information to keep in mind.
Also, I enjoyed your fun references to "Back to the Future." Fittingly, the day this article was posted (yesterday) was also Crispin Glover's (George McFly's) birthday.
One thing to keep in mind, you should really consider your asset allocation for your entire portfolio, not for each account separately. You may only have one retirement account now, but at some point you may pick up a 401k or other account. To demonstrate my point, let's say you want 60% in stocks and 40% in bonds. If you had $6,000 worth of stocks in your Roth IRA and $4,000 worth of bonds in your 401k, each account is not independently in balance but your overall portfolio is, so all is well.
The really nice thing about this is you can take advantage of the fund choices in each account to get the best options available. In my case, I have a 401k and a Roth IRA. My 401k doesn't have good bond fund choices, so I keep all of my bond portion in the Roth IRA. As long as my overall portfolio is balanced to my asset allocation, I'm in good shape.
It's important to rememember when Rob Bennett refers to "stocks" or "the market," he is speaking solely about the S&P 500 Index. He absolutely loves Robert Shiller's paper about PE10. About other academic studies regarding the benefits of rebalancing across loosely correlated asset classes? Not so much. And of course, while he's quick to throw out numbers "proving" the superiority of his strategy, the one thing you'll never see him do is show how his Valuation-Informed Indexing strategy has performed when backtested against buy-hold-rebalance alternatives such as The Coffeehouse Portfolio.
By the way, someone mentioned Bogleheads.org earlier. Available at that site is Simba's backtesting spreadsheets;
a wonderful resource which shows results for various "Lazy Portfolios" in Excel format for the period 1972 to present.
Yikes. I actually got a bit sick to my stomach reading this post. There's nothing wrong at all with your writing, and probably not with your financial advice either. But I don't understand stocks or investing, and I've tried for years. I read blogs like yours and an occasional financial management book. I just don't get it. I don't understand how it works and I have no head for numbers at all. I'm very intelligent in other ways. I earn a six-figure salary, and all I do is live frugally and save stringently. I have no debt other than a mortgage. So my question is this: How can I find someone that I can trust, to advise me on investing? I don't want to be condescended to. I don't want it explained to me. I just want someone who is honest & upright to recommend what to do with my money besides shovel it into a savings account. Help!
Rebalancing is the process of restoring a portfolio to its original risk profile. It may sound counterintuitive but sometimes when rebalancing a portfolio you have to sell those investments with high yields to buy more underperforming assets.


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Featuring a lighter weight denim with an updated wash, Carhartt's relaxed straight jean is versatile and durable enough wear everywhere. These mens jeans are constructed of tough 11.75-ounce, cotton ring-spun denim. These Carhartt denim jeans sit slightly below the waist, and feature a relaxed-fitting seat and thighs. Pair up this five-pocket jean with a favorite pair of street shoes or athletic shoes. The straight leg openings also fit over boots. Get Carhartt jeans online or in store.
Harry's Army Surplus: Serving Dearborn and Metropolitan Detroit with army navy surplus, uniform gear, boots, army surplus and work clothing since 1950.


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BONDUEL, WI (WTAQ) - A car crash in Bonduel leaves one person dead and another hospitalized.
Authorities say it happened just after noon Monday in the 300 block of North First Street.
A car driven by a 46-year-old woman struck a tree. The woman and her 75-year-old passenger were rushed to the Shawano Medical Center.
The passenger died at the hospital. Authorities have not said if the passenger is a man or a woman.
The driver was transported to Theda Clark Medical Center with life-threatening injuries.
Police have not said why the car crashed.


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St. Elizabeth Elementary School
St. Elizabeth Elementary School
1516 33rd Avenue
Oakland, CA 94601
Ph: 510-532-7392
Serving the Fruitvale community since 1893, Saint Elizabeth Elementary School has been a powerful presence in the Diocese of Oakland as a center of faith, caring and education for thousands of children. Staffed by qualified Dominican Sisters of Mission San Jose and lay partners in a Franciscan parish, we boast of an enrollment of more than 300 students.
From preschool through eighth grade, our students are challenged with a strong academic program that addresses individual needs and potential in a multi-ethnic environment. In an atmosphere where religious instruction and prayer provide a foundation for each day, our students not only learn, work and play together, but also celebrate their faith and their culture.
"The Franciscan and Dominican 'connection' has been alive and growing at St. Elizabeth Parish in the Fruitvale District of Oakland for over 113 years. And it just keeps getting stronger as the parish and families continue to choose quality Catholic education at the elementary school. " Sister Rose Marie Hennessy, O.P.
Click here to read more stories from St. Elizabeth Elementary School.
Established: 1893
Principal: Mary Pult
Enrollment: 345
School Capacity: 500
Mary Pult (Principal):
Sister Julie Distel (Development Director): email@example.com
Ethnic Breakdown:
Hispanic 86%
African American 6%
Asian 6%
Caucasian 1%
Other 1%
Single Parent Families: 41%
Operating Budget: $2,229,465
Income: (Tuition/Fees) $1,130,818
Tuition for First Child: $5,865
Actual Cost per Student: $6,454
No. of Students on Tuition Assistance: 308
% of Students on Tuition Assistance: 90%
Total Tuition Assistance Funds Raised 2010-11: $774,394
Diocese: $66,500
Parish: $12,000


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Primary Biliary Cirrhosis (cont.)
Medical Author:
John M. Vierling, MD, FACP
John M. Vierling, MD, FACP
John M. Vierling M.D. is Professor of Medicine and Surgery at the Baylor College of Medicine in Houston, Texas, where he also serves as Director of Baylor Liver Health and Chief of Hepatology. In addition, he is the Director of Advanced Liver Therapies, a center devoted to clinical research in hepatobiliary diseases at St. Luke's Episcopal Hospital. Dr. Vierling is board certified in internal medicine and gastroenterology and a Fellow of the American College of Physicians.
Medical Editor:
Leslie J. Schoenfield, MD, PhD
Leslie J. Schoenfield, MD, PhD
Dr. Schoenfield served as associate professor of medicine and consultant in gastroenterology on the faculty of the Mayo Clinic for seven years. He became a professor of medicine in residence at UCLA from 1972 to 1999 (now emeritus). He was the director of gastroenterology at Cedars-Sinai Medical Center in Los Angeles for 25 years, where he received the chief resident's teaching award, the president's award, and the pioneer of medicine award.
In this Article
What is the role of testing for antimitochondrial antibodies?
AMA are detectable in the serum in 95 to 98% of patients with PBC, as noted earlier. The most economical test for AMA applies diluted samples of a patient's serum onto tissue sections from rat stomach or kidney in the laboratory. (Remember that the mitochondria are present in all cells, not just the cells of the liver and bile ducts.) Serum antibodies that attach (bind) to mitochondrial membranes within the tissue cells can then be observed with a microscope. The most dilute sample of serum showing this binding reaction is reported, using the term titer. The titer indicates the most dilute serum sample that reacts with the tissue mitochondria. A higher titer means there is a greater amount of AMA in the serum.
The AMA titers in PBC are almost universally greater than or equal to 1 to 40. This means that a serum sample diluted with 40 times its original volume still contains enough antimitochondrial antibodies to be detected in the binding reaction. A positive AMA with a titer of at least 1:40 in an adult with an elevated alkaline phosphatase is highly specific for a diagnosis of PBC. The antigen recognized by AMA in patients with PBC is now known to be PDC-E2 and is also often referred to as the M2 antigen, as discussed earlier. So, newly developed tests for antibodies that bind to PDC-E2 are more specific and are now available to confirm the diagnosis of PBC.
It is noteworthy that approximately 20% of patients with AMA also have antinuclear (ANA) and/or anti-smooth muscle (SMA) autoantibodies in their blood. The ANA and SMA are more characteristically found in a disease called chronic autoimmune hepatitis. It turns out that patients who have persistently undetectable AMA but otherwise have clinical, laboratory, and liver biopsy evidence of PBC, all have either ANA or SMA. These patients have been referred to as having AMA-negative PBC, autoimmune cholangiopathy, or autoimmune cholangitis. The natural history, associated diseases, laboratory test abnormalities, and liver pathology are indistinguishable between the AMA-positive and AMA-negative patients. Thus, it seems inappropriate, for now at least, to classify this AMA-negative disease as different from PBC. Accordingly, this situation should be referred to as AMA-negative PBC. Rarely, some other patients appear to concurrently have features of both PBC and chronic autoimmune hepatitis. Such patients are said to have an overlap syndrome.
Medically Reviewed by a Doctor on 1/9/2014
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Primary Biliary Cirrhosis - Symptoms Question: Please describe the symptoms of your primary biliary cirrhosis.
Primary Biliary Cirrhosis - Diagnosis Question: How was your primary biliary cirrhosis diagnosed?
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text: Posted Online: Feb. 21, 2013, 2:48 pm Letter: Remember, sequestration doesn't even cut spending Comment on this story Roger Ruthhart's Sunday column about the effects of sequestration read more like talking points from the White House. I did notice the possibilities were attributed to Gen. Peter Chiarelli, Leon Panetta, Dave Loebsack, Travis Bacevich, "reports" and "some" information was used from Rep. Randy Forbes article of 2011. Besides, sequestration will not happen. President Obama said it wouldn't during his Oct. 22 Foreign Relations Debate. So why shouldn't we believe him? Why are we worried when the president said it wouldn't happen? Didn't we believe all his other barnyard scrap? The real reason for being distraught, however, is that after reading Ruthhart's article, I heard Sen. Rand Paul on FOX News tell Chris Wallace that the $1.2 trillion cuts over nine years isn't really a cut in spending! It's a cut in the INCREASE in spending! So people are telling us all these bad things are going to happen because they aren't going to have MORE to spend than they did before, and even with those cuts spending will still increase! I don't know about you Roger, but I don't get it. You said "it will probably take some combination of revenue increases and spending cuts." Obama and the left got their increase in taxes on the "rich". Where are the spending cuts? If it doesn't "cut" what was spent before, how can sequestration be a spending cut? By my way thinking, it isn't, and I'm wondering why you think it is. What happened to the Fourth Estate? Dennis J. English, Coal Valley


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Tuesday on Your Day, actor Joe Barton and actress Natalie Szczerba stopped by to give a sneak peak of their performances in 'Beauty and the Beast'.
'Beauty and the Beast', put on by 3B Productions, will be performing from July 24th to July 28th. All performances will be held at the Maumee Indoor Theater located at 601 Conant St. in Maumee.
Student tickets at $13, adults are $15, and preferred seating in $17.
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If every championship team needs a dirty work player, No. 1 North Gwinnett will be in good shape with Stephanie Amichia heading to next Saturday's state AAAAAA title game.
The junior post player works in the shadows of seniors Lexie Brown, a Maryland signee, and Peyton Whitted, a Penn State signee, yet Amichia stepped into the light Saturday in North Gwinnett's 57-40 win over No. 6 North Cobb with 14 points and 17 rebounds – her 13th double-digit rebounding game.
It's conceivable that when North Gwinnett (30-1) and Norcross meet in the state championship game in an all-Gwinnett County, all-Region 7-AAAAAA rematch that Amichia could be a wildcard. Each team will have two senior Division I signees. Then, there's the junior Bulldog who grinds like mad.
"That's a big-time clutch performance in a big game," North Gwinnett coach Bryan Sellers said of Amichia. "When we have big nights like that from her, it makes it easier on everybody else."
Usually, Brown and Whitted make it easier on others. Against pesky North Cobb (28-4), Brown scored nine points – about half her average – and Whitted added 13 points and a modest (for a girl who's 6-feet-3) four rebounds.
Good thing for North Gwinnett that Amichia was around. It was a bad thing for North Cobb.
"We talked about keeping [Whitted] and 23 [Amichia] off the boards, and . . . we didn't do it," said North Cobb coach Matt Williams. "We're undersized compared to those girls. They killed us on the boards."
That was true. North Gwinnett junior guard Joshlyn Belcher didn't score other than a 3-pointer in the first half, but she grabbed eight rebounds.
The 6-foot Amichia and her North Gwinnett teammates were struggling with North Cobb's matchup zone for more than a quarter. The Warriors led 16-12 early in the second period, in fact, after North Cobb senior Sierra Barrino hit a short jumper. Then, North Gwinnett began solving North Cobb's defense.
The key was dribble penetration and better ball movement rather than simply swinging the ball left and right. North Gwinnett closed the second quarter with a 19-7 run for a 31-23 halftime lead. Brown didn't score in that stretch. Whitted had seven points – including a 3-pointer.
North Gwinnett sophomore Alyssa Munlyn, the daughter of former Georgia Tech player James Munlyn, came off the bench to add a couple jumpers in the run that turned the game for good.
"We were trying attack the gaps in that zone and make two people guard one and then find the open person," said Sellers, the North Gwinnett coach. "We [previously] got into the habit of just throwing the ball around. We started getting the ball to the high post and going from the inside to the outside. Our girls started to get aggressive and attack the gaps.
"Our team is just that, a team. You know the cliché, as long as nobody cares who gets the credit good things will happen."
North Cobb pulled within five early in the third quarter, but North Gwinnett closed the third quarter with a 12-3 burst to put the game away. The Bulldogs led by 12 to start the fourth quarter, and North Cobb sophomore Kyrie' Chandler's 12 points were not enough.
Although North Cobb hit seven 3-pointers and scored nine points at the free throw line, the Warriors scored just 10 points inside the arc as North Gwinnett's size shut down the paint.
Next up: a chance for North Gwinnett to avenge its only loss. Norcross beat North Gwinnett 46-29 on Jan. 23 at Norcross, although on two other occasions — including in the Region 7-AAAAAA championship game — North Gwinnett beat the Blue Devils.
North Cobb (40) – Amber Reeves 3, Briah Woods 7, Sierra Barrino 11, Kyrie' Chandler 12, Jordan Gray 4, Aniya Corley 3, Ty Broadwater, Alexis Luster, Chantel Strahorn.
North Gwinnett (57) – Lexie Brown 9, Peyton Whitted 13, Joshlyn Belcher 3, Baylee Rexing 6, Stephanie Amichia 14, Alyssa Munlyn 12, Kenisha Wilborn, Oma Nkele, Emily Toomer, Jenifer Jacobs. Halftime: North Gwinnett 31, North Cobb 23.
March 2nd, 2013
9:26 pm
K Chandler we are very proud off you and your North Cobb team..Great job!
March 3rd, 2013
8:44 am
Proud of you Coach Sellers; btw some of those quotes sound familiar! Good luck in the state championship; saw your dad in the tux! Great look!
March 3rd, 2013
9:00 am
JJ thanks. I am proud of the job our ladies did going 27-4 losing to 2 Nationally ranked teams (Millbrook N.C, and North Gwinnett). Great season ladies! Hats off to my favorite player in the world Kyrie' Chandler. Keep grinding.
March 3rd, 2013
9:34 am
Great job, Lady Warriors. Y'all are an amazing group of ladies. You have nothing to hang your heads about. You made history for your school. I hope the excitement continues for many years to come.
March 4th, 2013
10:54 am
Oh how I wish I lived next door to North Gwinnett like I used to so I could see those girls (& boys) play. I usedd to even go to the road games until I moved far away. Congrat North & good luck against Norcross
March 4th, 2013
10:55 am
Should proofread. i know how to spell used
March 4th, 2013
4:09 pm
K. Chandler im very proud of you and i can not wait to see you develop over the next 2yrs. you will be the best point guard in the state before its all over with. Great season!
March 5th, 2013
6:10 pm
North Gwinnett is very awesome but no cigar in the championship game. Norcross girls just like a Diamond in the rough will shine and go on to victory. So Norcross girls Prepare to Party with Peanuts, Pop, Popcorn, Pizza, Peaches, Pecans, Pies, Burgers, Baked Beans, Bratwursts, Barbecue, etc.
March 6th, 2013
9:50 am
North Gwinnett looked like giants compared to North Cobb. I think North Cobb's tallest player was 5-10 maybe 5-11. North Gwinnett had 3 girls well over 6 feet. They looked like a college team on the foor. Great Season Lady Warriors. The community is very proud of you.


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Submit comments by April 15, 2013
After many months the decision on whether the Keystone XL pipeline will be granted a "Presidential Permit" is close. The presidential permit requires the U.S. Department of State to determine if the pipeline is in the national interest.
On March 1 the Department of State issued its draft Supplemental Environmental Impact Statement (SEIS) for a 45-day comment period. The Department of State will revise the SEIS based on public comments, then consult with other federal agencies, and finally release its national interest determination. The presidential permit is issued by the Secretary of State.
Paul Britt
Chair DPA Governmental Affairs Committee
Edith Allison
GEO-DC Director