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The Five Biggest Myths of Retirement Planning
In the world of retirement planning, some myths persist, despite continued efforts to debunk them. Below, my colleague Tara Thompson-Popernik discusses a few of the most stubborn myths we encounter.
1. You can safely withdraw 4% of your portfolio a year in retirement
The "4% rule" may have worked in the past, but extremely low bond yields, below-average expected returns for stocks and increased longevity make a lower spending rate prudent for many retirees.
For a newly retired couple aged 65, with a retirement nest egg invested in a balanced portfolio (60% stocks and 40% bonds), we would generally recommend annual spending equal to about 3% of their portfolio at first, but increase that amount with inflation. A couple aged 75 could generally afford to spend closer to 4% of a balanced portfolio each year, because their life expectancy would be shorter. All else equal, their portfolio would have to support their spending for approximately 10 fewer years.
2. You'll spend less in retirement
In early retirement, retirees often spend more than they did while working because they have more time to pursue a hobby or travel, although they expect this initial spending increase to subside as they age. But many retirees we encounter maintain an active lifestyle longer than they anticipated; that extra spending puts a strain on their retirement savings.
In addition, two great unknowns loom large for many retirees: how much they'll have to spend long term on healthcare and how long their life span may stretch. We tend to caution our clients to anticipate spending at least the same amount, adjusted for inflation, as they move from their 60s into their 70s and 80s.
3. Always shift to bonds as you age
Bond yields at or near historic lows and increasing longevity (many retirees live for three decades after they collect their last paycheck) make a complete shift to bonds unwise for most retirees. Most investors will need the growth that stocks can provide to keep pace with inflation and to support their lifestyle in retirement. The precise amount will vary for each individual, depending on his or her circumstances, objectives and risk tolerance.
4. Take Social Security early
In the US, Social Security benefits can be drawn as early as age 62, and the majority of recipients begin taking payments at that point. But the Social Security Administration has created an incentive for workers to wait to begin drawing benefits until age 70, when benefits peak. For recipients born between 1943 and 1954, the benefit at age 62 is some 25% below the payout at their "Full Retirement Age" of 66. Conversely, between ages 66 and 70, recipients earn delayed retirement credits of 8% per year.
For retirees who expect their portfolios (and perhaps pensions) to meet their spending needs for life, the age at which they begin to take Social Security benefits doesn't matter much. But for healthy retirees whose spending is higher than their portfolio is likely to sustain, it is often advantageous to wait until age 70 to start collecting benefits. The accumulated delayed retirement credits plus the inflation adjustment to the retiree's higher benefit amount can make a big difference in the retiree's ability to spend in old age.
5. Deferring taxes is always a good idea
The conventional wisdom is to defer taxes whenever you can. But federal income and capital gains tax rates are scheduled to rise at year-end unless Congress acts. For retirees (and other investors) facing a potential rate hike, it may make sense to pay lower taxes this year than to pay higher taxes in the future.
For example, now may be a great time for those who hold appreciated positions in the stock of a former employer to realize the gain and diversify that concentrated stock position. The same is true for those who still hold stock options in their former company's stock.
Also, retirees who don't expect to spend down their IRA accounts during their lifetime may want to convert all or a portion of their IRA accounts to a Roth IRA. As part of the conversion, the retiree will pay taxes now on the converted amount, but the account owner or, potentially, the owner's surviving spouse or heirs, can withdraw assets from the Roth tax free later.
The views expressed herein do not constitute, and should not be considered to be, legal or tax advice. The tax rules are complicated, and their impact on a particular individual may differ depending on the individual's specific circumstances. Please consult with your legal or tax advisor regarding your specific situation.
Daniel B. Eagan is the Head and Tara Thompson Popernik is the Director of Research of the Wealth Management Group at Bernstein Global Wealth Management, a unit of AllianceBernstein.
7 comments
You are spot on. Great points.
The concept that a person should only take 3% from a retirement portfolio appears to me as silly as the idea that one should take 8% that was in vogue back in the late 1990s.
All we have to use to judge the likely future is the past. In the past when stock market returns were effectively zero for a decade or more, as they are today, reversion to the mean created an outsized gain in the following decade. I can find no point in history where that does not apply.
Even if we compare 2007-2009 to the market decline of 1929-34, five years after the high point, just when the gloom and doom was the worst, was a point from which equity gains were astonishingly high for the next two decades.
To tell people who have had little or no real gain in their portfolios that they must learn to live on 3% of what they have saved is to drive them into the arms of the shysters who will take all of their money. A well allocated portfolio right now has a good potential of achieving a healthy 8% (+) expected return for the next several decades.
Generally good advice and much appreciated.
Obliviously, as one ages their life expectancy declines so the total portfolio requirements should decline as well.
I am wondering how much where one is in the market cycle (peak or trough) and having a personal goal of leaving as little as possible would influence the 3% or 4% rule?
The real point is everyone"s needs are different and one has to constantly adjust to the short-term and long-term circumstances in making this important decision.
I believe that if one wishes to maintain his or her standard of living and a portfolio that does not lose any capital, one must consider taxes and inflation. Assuming your 3% to live on, you must add say 2.5% for today"s inflation and divide by a tax rate say of 0.7%. This would require a return of nearly 8%. This would allow you to 1) increase your annual expenses to stay even with inflation, pay your taxes and keep your portfolio growing at the rate of inflation. I know, I for one, feel very uncomfortable in running down my portfolio to zero on the day I die (guarantee to cause death on that day)! Also, I would like to have some Estate to pass on to charity and my children. To get a return of 3% today would be very unsatisfactory.
Hi Daniel B. Eagan
It"s true fact you have written and great idea.I appreciate your thoughts.I just want to put another point here.
Many banks and building societies take every possible opportunity to promote their financial products, such as pensions. It all sounds very good and many people choose their bank to provide their pension as they trust them, but it should be realized that they are usually tied in to promote only one pension provider and this will rarely offer the best opportunity out there.
One more myth "My retirement years won"t last all that long"


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Far away from the high school gyms, local reporters, and ESPNU camera crews, approximately 20,000 high school seniors decide which schools they will attend and play football for. For the vast majority of kids and families, the recruiting process is much less glamorous, but just as important. From NCAA Division 1 down through NAIA schools and Junior Colleges, 17-19 year old boys make one of the first real decisions of their adulthood. "Where am I going to college?" And for these lucky many, that comes along with the opportunity to play college football.
This past Wednesday was National Signing Day (NSD), marking the biggest day in recruiting ffor college football programs. It's a day that affects many lives around the country and most of the kids you never hear about unless you're connected in some way. Today I'm going to offer you a glimpse into what it was like for these young men the last couple years, and the path they've each taken. The young men you'll meet, come from all over the country, you may or may not have read about them previously. Their stories are all unique but still neatly fit into the current recruiting paradigm. Personally, I can relate to many of the details we'll talk about here, and that is a big reason I chose to ask these kids for help. I wanted their help in explaining how special a process it is at every level for young men and their families, but also its challenges and nuances. Their final decision may come with the involuntarily toting of a historical and cultural flag, perhaps a promise to your dad, or it may simply be a decision that provides great relief knowing the process is over. Very rarely does it include the charade we see unfold on the TV these days with hats, helmets, cheerleaders and the school band. What is it like "in reality" to get recruited? Is the process different at the D1 level than it is at lower levels? Well, let's find out! These 3 young men were good enough to share with Z Delay Special a little about their journey.
Melvin Holland Jr., WR, University of Minnesota
Melvin is originally from Tallahassee, FL (Go Noles!) but hails from Ashburn, VA. and played for Briar Woods HS. For some reason my man has a Florida Gators background on his Twitter account, so let's see if we can't get him to update that nonsense! Melvin ended his recruitment with a composite 3-star ranking at WR. He is a soft spoken kid with fantastic athletic ability. It's easy to see why Coach Kill and staff wanted him so badly. Question I had was how come there weren't a lot of heavy hitting offers on the table for him, or more momentum earlier? I watched his film and he has above average straight ahead speed, he catches the ball particularly well, and he's physically imposing. He does show some rough edges regarding some of the finer techniques of playing WR. Regardless, this dude looks the part and plays the part. I was curious as to why some of the bigger schools in the SE (where he's from) weren't all over him. In talking to Melvin, I got all the information I needed to know. This recruiting game is unforgiving in many ways.
Melvin never started a game at WR until his SR year in HS. I asked him why and he told me that he got some reps here and there but the team needed him on defense...so he played defense. Melvin didn't do the camp circuit throughout high school and when he finally did get to a couple camps his Jr. year, the coaches recruiting had little to no film on him to scout. He told me that there were several schools, LSU, in particular that liked him but didn't have any film, so they "didn't know how to evaluate". Part of that is nonsense, I mean he was right there in front of them, but the other part is realizing that Melvin didn't have any tape at WR because he played where the team needed him. This is the part that is interesting to me. What if Melvin had known that he needed some camps and he needed reps at WR to get the looks he needed to best expose himself? Would he have spoken up to his HS coaches?
I asked him at the end of our discussion, what his favorite thing about playing WR was, and he responded, "I just love football, man" He said he'd play wherever he had to and do whatever he could to help his team win. He told me he never wants to let anyone on his team down. Isn't this EXACTLY the kind of guy you want on your team? Physically gifted, loves playing the game, will help his team wherever he can, and doesn't want to let anyone down...and all that unselfishness did was cost him more opportunities for exposure on the recruiting trail. Don't get me wrong, Melvin obviously had some quality offers, but I illustrate that point to show you how fickle the process can be.
The University of Minnesota didn't start speaking with him until a couple games remained in his Sr year football season, which is a little later in the process. Coach Anderson was his recruiter, and by all accounts Coach Anderson is a great recruiter. They loved what they saw and it's hard not to, Melvin is a high level athlete with a big frame for WR, which is exactly what Minnesota went after in this cycle and philosophically at that position. Obviously, the Gophers made up any lost ground with Melvin Jr. and struck up a good relationship. Perhaps most coincidentally, because of his unselfishness, Melvin may have had less interest early in the process and overall, but he is exactly the kind of program guy for this Minnesota team. Melvin told me that the coaches want him to come in and compete for a role immediately. And on the surface he's got the talent to do so. The MN WR corps is desperately in need for some play-making and depth. Melvin also told me that he'd be just fine with taking a Redshirt year to learn the system and get comfortable at college. This is probably ideal because, given some time to clean a few things up Melvin will be a very productive player. Either way, he's going to do what's best for the team and you gotta love him for it. Like I said, there wasn't much to dislike for Coach Anderson and the Gophers staff, and on the flip side, it didn't take long for Melvin to like what he heard about at MN either.
Academics are a big deal to Melvin, as he and his father have a deal that Melvin Jr. will get his degree before anything else, professionally. He didn't know anything about the University before speaking with Coach Anderson. Both Melvin and his dad Melvin Sr. liked what they heard and decided to make a visit. Melvin told me that the only thing he was at all worried about was "the cold" I told him that I can't blame him one bit! Melvin enjoyed his visit and when considering the school and the fact that it is Big 10 Football, he felt pretty good about Minnesota. But for Melvin, the biggest piece of the puzzle was coach Kill and his staff. The fact that they'd been together as long as they have was appealing to Melvin. The stability even through some challenges the past couple years meant a lot to Melvin and ultimately sealed the deal for him. He chose MN over Wake Forest, Rutgers, Wisconsin and others. Melvin is one of the top 2014 recruits in Coach Kill and his staff's finest recruiting class to date. He's got an opportunity to help build upon significant team success since Jerry Kill and crew have taken over at Minnesota. I wish him nothing but hard work and great success. Perhaps we'll check in him from time to time. Welcome to Minnesota Holland family, Ski-U-Mah!
**Please see Melvin's Sr. highlights below, courtesy of YouTube**
Justin Motlow, WR, Florida State University
Justin wasn't as highly ranked at the position, simply because of his size (Justin, I can relate). Justin is 5'11 and currently about 178 pounds, but I'm going to say 185 to make him feel better. He hails from Tampa, FL and played his ball at Tampa Catholic. Tampa Catholic is not short on Athletic prowess, although most of its notable alumni played baseball. Twins fans will know the name Denard Span, but there were several others...oh yeah and Channing Tatum went there, heeeyy!! Additionally, one of Justin's teammates is 4-star OL signee at FSU, Corey Martinez.
Just faces the same challenge MANY hopeful college football players face, size. at below 6 feet, he's not the mold for the ideal WR size, and minus elite speed, it's easy to see why coaches may have overlooked his skills at the highest level. But don't let the size fool you, this kid can flat get it done on the football field. He's got decent speed, but above average lateral quickness. He's a great yards after catch (YAC) guy because he is a savvy player with the ball in his hands. He catches well, uses stiff arm very well for a HS WR, can block and is a tough player. He plays with a chip on his shoulder and I love it.
Justin excelled in track and football and his recruitment really picked up his junior year. Stats were good, competition is good, and he was about to get on top of the recruiting momentum that picks up after your junior year. But, during spring practice Justin's junior year he separated his shoulder and it was severe enough that he couldn't go to camps in the summer...the summer before his senior year, his last opportunity to play directly in front of and communicate with college coaches. He may not have realized it then, thinking that he had his whole senior year left, but this was a big deal, especially for a kid without superior physical talents. Justin told me the most frustrating thing for him during this process was that despite his senior season being statistically better, the momentum of his recruitment had died down. Attention remained from a few schools, Wake Forest (new staff), Holy Cross, and Boise St., but despite Wake Forest being close to offering they didn't. Florida State had liked him and Coach Dawsey ended up calling a few weeks ago and offered Justin an opportunity to be a Preferred Walk-on. Justin Accepted. A Preferred Walk-on (PWO) is a walk on that is invited to pre-season camp and is as part of the program as anyone else. Additionally, they're often awarded with scholarships depending on their play, roster numbers, and attrition. It can also be the dreaded thing to hear for many kids hoping for that scholarship.
Despite the frustrations of the recruiting process for a "tweener" who didn't quite catch the break he needed, Justin will be offered an opportunity to compete for the defending national champions...not bad right? It gets better. Justin is 1/4 Seminole Indian, a part of the Seminole Tribe of Florida. His father grew up on the reservation and was a high school athlete, playing football and baseball. Athletics is a big part of his life and his hard work has earned him the right to be the first Seminole Indian to play football for the Florida State Seminoles. I'll let you take a second to process how cool that is...Justin is very proud of his heritage, but also told me he didn't want any attention from it, he just wants to play some ball. However, he's well aware of the attention this may bring him and just hopes that he will be judged for his work ethic and play on the field. Justin is in good company on campus as his sister Jessica is a Sophomore on campus currently...this is where I have to say his story hits kind of close to home. As someone who also walked to play WR at FSU, was also undersized, and also spent time with his sister on the same campus...I find a sense of nostalgia in this whole story, except for the Seminole Tribe membership, of course. Oh yeah, and when I transferred in, it was a semester after the Noles last national championship in early 2000...almost creepy! Here's where the story diverges a little however, Justin is a great student.
In speaking with Justin's mother, Lisa, you could tell how proud she is of Jessica and Justin. But, she emphasized Justin's academic record just as much as his football. She knows what this opportunity means to Justin athletically, but recognizes its value in the classroom too. Leave it to the parents to have priorities straight, huh? Justin took trips to Harvard and Princeton, is an honor student, and will be held to a higher standard than most other college student by the Seminole Tribe of Florida. While Justin is not signing an athletic scholarship this semester, the Seminoles (Tribe of Florida) are supporting his college experience as long as he stays above a 3.0 GPA. His academics are important and will remain so.
In preparation for next fall, Justin has been working and training with some big time names in the area and industry, Jonathan Ordway helps Justin train as well as Reidel Anthony. Justin is serious about his ability to compete for playing time in his career at FSU. I love his inner Jaguar, and he's even got an extra tool in his belt...he can punt!! 43 yard average, and I KNOW FSU is going to be looking for some competition at that position. He's excited to be a part of the program and offensive line coach Rick Trickett shares the emotion as he called Justin not long ago to tell him just how excited he is for Justin to be a part of the program. Like many other recruits there were frustrations along the way but in the end, he's going to end up in what just HAS to be the best place for him, right?
I look forward to watching Justin's career over the next few years and sharing with Z Delay Special's readers his progress. Just before we got off the phone, I asked him what his favorite part about playing the game was and he kind of stuttered a bit because he was looking for words that could explain it, but really all he wanted to say was that he just loved to catch the football. Justin will arrive at FSU in good company as they signed perhaps the best WR class in the country, he's in good company, there will be plenty of chance to catch the football. Great story, and a beginning to a great journey. Good luck in Tally Justin, Go Noles!
**Please see Senior Highlights at bottom of story, courtesy of YouTube**
Greg Rooney, TE, Winona State University
From one place in my heart to another. I grew up in Winona, MN (about 2 hours south of Minneapolis) and played at WSU for current head coach Tom Sawyer, before transferring to FSU. Coach is extremely excited about Greg joining the Warriors and it's not hard to see why. Greg is a big, athletic kid. 6-5 about 240. In high school he played on both sides of the ball and you could see he was able to use his big strong frame to make plays, he dominated kids. That's a D1 size frame, and I think Greg is going to be someone that by the time he's a senior could play at any level.
Let's look at how Greg's talents fit into the mold of a high level D2 player versus an opportunity to play at the D1 level. As Greg grew into high school, baseball was always his favorite. He actually hoped to play college baseball as a pitcher prior to his Sr. year in high school. His head football coach approached him and told him that he should begin to think about playing football at the next level. Greg had always played football and enjoyed it, he just never thought of it at the next level. Greg also knew that his Senior year's football team had a chance to be very good, and that helped motivate him. Timing wise, it wasn't until sometime during Greg's Jr year that he even started thinking about playing college football. That means he never went to individual camps, put together highlights, or gave any football coaches any reason to be interested in him. And, that kind of marketing is a big part of being recruited. Along with the lack of information is the lack of specific training as he's just not as polished as he would have been. But, the physical part is all there, and he is an animal on the field. Greg plays multiple sports, excels in them each and while his skill set is probably not quite refined enough for the D1 level, the D2 level provides a perfect competitive level for him to excel...and WSU knew it.
Another piece of the puzzle is location. Greg is in a great location for a very good D3 league in Wisconsin (WIAC) and a great D2 league in Minnesota, IA, ND, and SD (NSIC). Once Greg realized football was an opportunity for him, he got himself into some camps before his senior year. He immediately struck up relationships with a few coaches around the area, even Div 1AA (FCS) National Champion, NDSU. There was no doubt about his size and athleticism and that had coaches at camps excited about him. How different would his recruiting be if this was the 3rd summer he was attending these camps? It's all part of the equation into how certain players end up with certain opportunities. For Greg, the process began with a lot of communication but one school and coach struck him differently.
Greg's senior season went very well. All-Conference and All-Region on both sides of the ball, and a Wisconsin All-State TE. The recruiting process had hit its peak. It was no different for Greg as it was for Melvin or Justin, perhaps even more intense because of how new he was to the process. Coach Barton at WSU was Greg's recruiter. Greg told me that Coach Barton was different than all the others he was speaking with. Most coaches asked about his games and then talked about their schools and how he'd like it there, but Coach Barton spent a lot of time just chatting with him. Greg mentined that his conversations with Coach Barton just felt more comfortable to him. I'll add, that is extremely important, Coach Sawyer should give Coach Barton a fist bump, because this what it's all about. These kids are getting called by a all kinds of people and you've got to be able to stand out, highlight your school, but also be real and show the kid you care about him. It didn't hurt that Greg remembered Coach Sawyer from a team camp a few years before either. Greg told me that throughout his recruitment he just felt more comfortable with the people and the place...and growing up int he same Mississippi river valley 30 minutes away probably didn't hurt.
Greg visited Winona and a couple other places for games in the fall, and took an official visit to Winona and really enjoyed it. He told me that Coach Sawyer's history at the program and the sucess under him was a big deal. He felt comfortable that Coach wasn't trying to move up the coaching ladder and that stability was a important. Greg took a second official visit to conference rival Mankato, and enjoyed the visit but it didn't feel the same. He and his family were heading straight from there over to Sioux Falls, SD for another visit and before they got on the way he turned to his parents and said, "I don't think we need to make this trip, I want to go to Winona". He told me he just didn't see the point in driving another several hours if he'd already made up his mind. So he called up and committed to Coach Barton. The decision felt right and it's a great fit. Greg was never offered any PWO opportunities at big D1 programs, he knew he had an opportunity to play for a great D2 program and he knew they wanted him. Game over.
When I asked him what was his least favorite part off the process he told me it was towards then end when he was getting phone calls from several schools on a nightly basis and it was constantly the same conversation over and over. Melvin Holland Jr. told me the exact same thing. It's a very fortunate thing to have people that want you for something, in this case to play a game and have the school pay for a college education, but the process can get grueling and be stressful. There was just a sense of relief when it was all over. Academics played a role as well, Greg wants to study Exercise science or another Physical Education discipline and Winona has an excellent department for that, I'd know my dad taught in it for most of my life!
I look forward to following Greg's career as a Warrior and really how he develops in his craft. He's blessed with the physical talents of many D1 football players and it's my hope that WSU brings out the BEAST in him over the next several years. Congrats on a new journey and Go Warriors!
**Please see Greg's highlights HERE**
I wanted to spend time talking to athletes who I respect for the work they've put in and because I know, to a degree what they've gone through and what they will go through. I also wanted to outline the similarities in recruiting regardless of level and the importance of the decision to the 20,000 kids every year who don't get their mug on TV. Because I love the game and many others do too, I think any opportunity to talk about the uniqueness of college athletics recruiting is valuable content. There are few bigger hustles in all of our country than finding the best young men for your football team year in and year out. I picked three guys at different points and different schools to tell you there stories and let them get their face on...the internet at least! I also picked these three schools because they were the teams I grew up cheering for, playing for, and loving. I wish Melvin, Justin, and Greg all the best and I can't wait to follow each of their careers.
Feel free to comment below with any thoughts, things I missed, or anyone else who's got a great story!
Go Gophers, Go Noles, Go Warriors!

subset: commoncrawl


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Gucci Outlet Online Satchels, Hobos,moreover Barrels Expand
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Santorini Weddings
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Cigarette making use of their tobacco contains free-radicals. This is this : one of the reasons making use of their tobacco causes united states The free-radicals and cigarettes can cause the same sort of harm mentioned.
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People which of you fail for more information about wear eyewear scrunch in the air your eyes to understand more about help safeguard their face back and forth from the bright light in weight The regular phrase along with going to be the increased development concerning free-radicals that happens during experience in the field UV rays combine for more information regarding cause crow's your toes.wrinkles at the sides of going to be the face.
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The Skyline Suite plus Roof Garden Terrace
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Tower Bridge
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New! MM now offers the FRPP IRS differential cover modified for use with MM's Aluminum Differential Mounts.
New! Hawk now offers brake pads for the 2013-14 GT500's 6-piston Brembo front calipers. MM has them in stock.
NASA Eastern Champions! Our congratulations go out to two Maximum Motorsports customers for winning at the 2014 NASA Championship event at Road Atlanta. Chris Griswold won the American Iron Extreme Championship for the sixth time. Scott McKay drove his MM-equipped Fox Mustang to win the American Iron Championship.
MM's Deal of the Day is back!. Selected items will be on sale for 24 hours (midnight to midnight, Pacific Time) every day.
MM on TV is now on the web! Another episode of Engine Power is now on the web, featuring more MM parts. Several more MM parts were installed in this episode, Part 3 of the barely Legal Mustang project. The MM parts include rear disc brake lines, manual brake installation kit, and a roll bar. Part 2 of Barely Legal, the installation of a Maximum Motorsports suspension package, is also on line. Engine Power is one of the Power Nation TV shows airing on Spike, CBS Sports Network, and NBC Sports Network.
© 2013 Maximum Motorsports, Inc.
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Missing woman found safe
Published On: Dec 31 2012 06:28:45 AM CST
Updated On: Dec 31 2012 03:12:07 PM CST
Updated On: Dec 31 2012 03:12:07 PM CST
A woman who had been missing since Friday was found safe on Monday.
Texas EquuSearch officials said Natalia Ershova, 21, went to the manager's office at the apartment complex where she lives.
Texas EquuSearch began searching for Ershova on Monday, after she had last been seen in the Galleria area on Friday.
Sources told KPRC Local 2 that Ershova's husband told investigators that she left their apartment without her purse or warm clothing.
Officials have not said where Ershova was over the weekend.
The views expressed are not those of this company or its affiliated companies. Please note by clicking on "Post" you acknowledge that you have read the Terms Of Service and the comment you are posting is in compliance with such terms.blog comments powered by Disqus


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When your people are demonized for being obsessed with cash, you should not be seen gobbling money. (1:14)
jessi klein, comedy central presents, jewish, religion, holidays, hanukkah, food, money, stereotypes, mexican, basketball, sports, men/women, lgbt
© Copyright 2014 Comedy Partners. All Rights Reserved. Comedy Central and all related titles, logos and characters are trademarks of comedy partners.


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The Adult Diploma Program is designed specifically for adults with experience in meeting family and work responsibilities. ADP works best with adults age 20 or older who have been out of school for several years. Persons age 18-19 years of age can enroll with a placement form from the ADP assessor in their local center. Students can work at their own pace and at a location convenient to them, tailor assignments to fit with their own experiences and needs, and receive individualized feedback and support from the ADP assessor.
To enroll in ADP, an age-eligible adult has to meet with a local ADP assessor. This assessor can explain more about the program, help secure a placement form if necessary and schedule a time to begin the preliminary assessments.
To find the ADP assessor in the adult education and literacy center nearest you, click on a county from the map.
ADP Request to Release Transcript
The Adult Diploma Program (ADP) is an assessment process that requires students to complete performance-based projects to demonstrate performance standards that align with the EFF Content Standards and the Vermont Framework of Standards.
The students are asked to demonstrate these skills on practical tasks relevant to adult lives. For example, a student might be asked to:
Completing the assigned tasks will call on the student to gather information, organize and analyze information, draw conclusions, and apply findings to real problems and/or projects. Students complete their tasks at home and meet with an assessor to review it against the list of skills and performance criteria for satisfactory completion.
ADP works with nearly 100 adults each year. Many choose to enroll in ADP because they prefer to work on practical projects rather than take an exam like the GED and because it enables them to earn a high school diploma from their local high school rather than an equivalency certificate.
There are no fees charged to an adult who enrolls in the Adult Diploma Program. ADP costs are reimbursed from the state education fund on a per student basis. The program is operated under the jurisdiction of the Vermont Agency of Education which contracts with an Adult Education and Literacy organization for delivery of ADP services statewide.
Most students
take 4-9 months to complete the ADP process. The length of
time required varies based on individual schedules and
different needs for instruction in conjunction with
Adult Diploma Program (ADP) records are accessed through the Agency of Education, Adult Education & Literacy Office.
If you earned your ADP Credential from 1984-2014, and need required proof of completion by an employer, school, etc., additional replacement copies will be issued for a $3.00 fee per copy. To request an additional or replacement copy:
Vermont Agency of Education
For questions about Adult Diploma Program transcripts, please call the transcript message line at 802-479-1296.
Toni Marra at email@example.com or (802) 479-1302


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MyPlate Inspired: 8 Healthy No-Cook Recipes
Hot weather forcing you to flee the kitchen? You can still enjoy a healthy and delicious meal and keep cool. These 8 triple-tested recipes all meet MyPlate's nutritional guidelines and you can make them without touching your oven!
By Alena Hall
Blue Cheese-Stuffed Celery
Remix your childhood favorite ants-on-a-log snack with sharp blue cheese, creamy Neufchâtel, Calimyrna figs, and a drizzle of sweet honey. It's okay to play with your food when it tastes this good!
Get the recipe for Blue Cheese-Stuffed Celery


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« Rap-Up TV: RaVaughn Talks Debut, Miguel Collaboration, & Love for Beyoncé
Janelle Monáe Unveils Cover, Tracklisting for 'The Electric Lady' »
Chris Brown Gets Dapper for Blank Magazine
Chris Brown gets his grown and sexy on in the pages of Blank magazine. The 24-year-old superstar trades his streetwear for a designer wardrobe including Gucci, Paul Smith, and Dolce&Gabbana in the slick shoot, which was photographed by Steven Gomillion and Dennis Leupold at a swanky house in the Hollywood Hills.
Breezy stretches out on a diving board on the cover and stands in a bedroom with a sexy lady by his side in another photo. The stylish singer retires to the bar for a smoke and enjoys a drink poolside.
In the issue, he pays homage to the King of Pop, who inspired his upcoming album X. "Michael Jackson has had an influence on everybody, especially on the generation that came before me and after me," said Chris. "He inspired us all to strive to be the best in our profession."
See more photos from Breezy's high-fashion shoot below.
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Live to Ride
Photo: Courtesy of Sarah Sceery
Just because the winter months are here and we have lots of snow doesn't mean your exercise routine has to come to a halt. According to Fit Day, winter sports, especially snowboarding, can have a great impact on your health. Whether you're a pro or a beginner, being on the mountain and outdoors can enhance your mood. Additionally, as the article describes, snowboarding can have multiple positive physical effects.
Aerobic Exercise - Snowboarding has the potential to burn a great deal of calories as well as increase your cardiovascular endurance.
Muscular Fitness - The sport forces individuals to use a large amount of muscles in the body, especially muscles your body does not normally use. This is great for a total body work out, but as a warning to beginners and a reminder to veterans…after the first day of the season you may feel like you worked muscles you didn't even know you had!
Flexibility and Balance - The coordination of riding helps to improve overall flexibility and balance in the body and the muscles.
Snowboarding is not the only winter sport to offer these physical benefits. Activities such as downhill skiing, cross country skiing, and snowshoeing are all great ways to keep in shape and enjoy the winter months. Although these activities can be at different levels, as with any sport it is important to remember safety. The article offers a few helpful hints for beginner snowboarders about lessons and to always wear a helmet. Remember to dress appropriately for your activity and the weather outside! Keep in mind that some of these sports can take a lot of learning. With safety in mind this winter, don't let your body fall into hibernation. These winter sports offer unique and total body work outs, so hit the outdoors for some great physical activity!
UNH faculty and staff - are you interested in learning how to cross country ski or snowshoe this winter? To learn more, visit the Healthy UNH Homepage.
Tagged in:
It can be hard to be fitness oriented during the winter months
Snowboarding can be a wondeful way to sneak in cardiovascular conditions while not even realizing it. It's funny, the first time I went snowboarding I woke up sore the next day. It really does target many muscles that I was unaware I had. This post brought back memories.
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Step 1: Tools, Utensils, Ingredients, Etc.
- Pomegranates (roughly six, depending on their size)
- peel of 1 lemon (I prefer meyers)
- cinnamon stick
- 3 cups vodka
- 1 1/2 cups white sugar
- 3/4 cup water
- A large glass jar (I used a 3 litre jar)
- large plastic bowl
- paring knife
- vegetable peeler (or knife)
- measuring cups (liquid and dry)
- metal strainer
- cheescloth
- saucepan
- small funnel
- glass bottles or storage containers for the final product
Notes on Utensils:
- Avoid plastic as much as possible when working with strong alcohol. Glass is always preferable.
- A food mill can be used for crushing pomegranate seeds, but certainly isn't necessary.Similarly, a tube siphon can be used to fill the bottles, but I find it just as easy to carefully use a measuring cup or ladle.
Notes on Ingredients:
- Pomegranate juice can be substituted if fresh pomegranates are unavailable, however Ive had better results using whole seed pods, as the seeds impart different characteristics to the liqueur and add more depth.
- I generally tend away from processed white sugar, however with this recipe - and most liqueurs - white sugar is the best way to go. unrefined, unprocessed sugars fail to yield as successful results.
- Other spices can be added as well, like cloves or star anise. My personal preference is to have more fruit flavored and less spiced liqueur (unless I go all out and make one heavily spiced). The spicing is up to you.
Thanks for the recipe.
Sounds very tasty, though. :)
80 proof = 40% or 40 a.b.v
I never have seen the abbreviation, I understand the concept though. Proof was th epoint at which alcohol if exposed to a flame ignites. The booze had to PROVE it was strong enough! goes back to jolly old drunk England I believe. In history class at one point the taverns had a sign that read drunk for half a penny dead drunk for a penny. I believe that was in the 1600's and taverns were every block or so.
I personally prefer swing top hermetic seals to cork, as it keeps the liqueur fresher longer, resists damage from the alcohol itself, and makes for a more easily reusable container in the future.
I agree, a second filtration when bottling never hurts, especially if the liqueur has a good amount of sediment. I've done it a few times with single cup melitta coffee brewers and filters which works pretty nicely!
As for volume, I usually get roughly 4 to 5 oz per pomegranate, so the total yield desired for this recipe is somewhere between 25 and 30 oz of juice.
You can make liquor of pretty much any fruit.
This reminds me about my sys Ilda back in Portugal, who is an expert in liquors.
She uses pretty much all fruits that she can and some cereals too.
Some of those are delicious!!! others are good just for the fun,


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Rachel Bilson12/12/07
GET THE LOOK: When a hairstylist's your Plus One, it's easy to look flawless. But Rachel Bilson's known for her do-it-yourself glamour, like this poofy low ponytail she created.
INSIDER TRICK: To make this low-maintenance style soft and feminine (rather than sleek), tie the elastic two inches below the nape of your neck.
Polly Blitzer
Ask questions and share advice in our Fashion & Beauty Forums!
Read MoreLess


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1. Aden & Anais B Jeweled Swaddling Blankets $50 2. Jellycat Orla Ostrich $28 3. Kissy Kissy Navy Blue Essentials Set $31 4. Vulli Sophie The Giraffe So'PURE Teether $16 5. Chewbeads Peace, Love, Star Stacker $25 6. Little Giraffe Blue Giraffe Box of Socks $35 7. Jellycat Silly Sausage Book $11
What to get for your little munchkin that seems more interested in the wrapping paper than the gift? These 7 suggestions should keep your baby cozy and entertained for the long, cold winter ahead. Wishing you and yours a very happy holiday!


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