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Thursday, June 6, 2013
Dave Ramsey's 8% Withdrawal Rate
Dave Ramsey got into a bit of a kerfuffle this past weekend on Twitter in his response to fiduciary planners about the nature of his investment advice. He was questioned about the prudence of suggesting 12% returns and recommending loaded mutual funds to his listeners. Because what he promotes is seemingly unjustifiable, he lashed out at these financial planners for challenging him, indicating that he can help more people in 10 minutes than they help in their entire lives, and that they are all snobs because they do not help regular people.
In March, I debunked the myth of the 8% return. Dave Ramsey takes that a step further by promoting 12% returns, but he is simply making all of the mistakes described in that post to an even larger degree.
There is a lot of distrust toward the financial services industry, and while much of it is justified, sometimes consumers should share a bit of responsibility. I could recently see how this plays out, and how honest financial planners can be pushed out of the business. As I'm not a financial planner myself, I don't have to worry about obtaining clients. I was recently talking to someone about getting started in investing, explaining the benefits of a low-cost index fund approach. The conversation was going fine, and then he asked me what return he should expect from such a portfolio. The question caught me off guard, because once you have a sound strategy you need to be ready to receive whatever the market provides, but then I started getting into some of the issues from the myth of 8% return column. If I had been a financial planner seeking clients, I can see that this is where I would've likely lost this lead. He could have then said, well thank you Mr. Pfau for your time, but I've been listening to Dave Ramsey and he knows how to pick mutual funds that offer a 12% return. I think I will take my business to one of his affiliated advisers so that I can get access to those high earning funds.
This is the fundamental trouble facing honest people trying to make a living in the financial services industry. There is always going to be someone willing to suggest that higher returns are possible. Consumers will naturally gravitate toward whoever is offering them the best story about how they can achieve riches. With his 12% returns, Dave Ramsey sits at the top of the financial services heap. And as his business model of using affiliated advisers who pay him a fee and sell you commissioned high-load mutual funds depends on maintaining the fiction of 12% returns, there is no way he can step down when challenged about this issue. So he sidesteps the issue and makes personal attacks instead.
When it comes to retirement, Dave Ramsey says you should be 100% stocks and that this will support an 8% inflation-adjusted withdrawal rate. It sounds wonderful. Certainly that allows for a lot more spending than what you would think possible if you're a regular reader of this blog. But this number comes from a completely ludicrous basis. He opened an Excel spreadsheet, assumed a fixed annual return of 12% [Bernie Madoff might even be jealous of that return sequence], and determined that 8% is a sustainable withdrawal rate with inflation of 4% and that wealth will never be depleted. The problem with this is so basic that it's hard to believe Dave Ramsey is ignorant about it. It's the sequence of returns risk. It's what William Bengen illustrated in the 1990s. The sustainable withdrawal rate can be less than the average portfolio return because people are taking income out of the portfolio, and when the market is down the funds they take out don't get the chance to rebound on the subsequent recovery.
Readers of this blog know that I am not a big fan of the Trinity study. But once in a while, the study can be dusted off and put to some use when helping to dispel some bizarre notions. The Trinity study simply tells us the percentage of historical periods in the US when a particular retirement income strategy would have worked. In the following table, what we want to focus on is the Dave Ramsey strategy of using an 8% withdrawal rate and a portfolio of 100% stocks. In 74% of the historical cases, this would've supported 15 years the spending (or in other words, in 26% of cases someone following Dave Ramsey's strategy would have ran out of wealth within 15 years). Over 25 years, someone has the coin flip to whether this strategy will work, as it has a 50% success rate. Over the more typical retirement planning horizon of 30 years, Dave Ramsey strategy would have worked in only 37% of the historical cases. As retirement lengthens the success rate continues to fall.
And these numbers are pre-fee. If you pay a 5.75% load at the beginning, your effective withdrawal rate would be pushed up to 8.5% for the purposes of this table. And this is still optimistic, because it assumes that the recommended mutual fund manager is able to outperform the market enough to cover the active management fees they charge, which is an exceedingly unlikely outcome over a long period of time.
Someone may still decide to use Dave Ramsey's strategy if they have low aversion to outliving their financial assets, but "regular people" must understand what they are potentially getting themselves into with that advice.
(Just a technical note: for longer time periods there are fewer historical simulations and so sometimes you see an increase in success rates because one of the failures gets cut off... That happens with the 35 years and 40 year retirement periods)
41 comments:
Wade--the discussion you related is a perfect example of how the anchoring bias underlies and undermines Mr. Ramsey's advice. While he continues to claim that the 12% number that he touts (concurrently conflating average returns with CAGR) is "educational" and "for example only," the reality is that the unsophisticated listener hears 12% average return, becomes anchored to it, and expects to get 12% (or more) every single year. Furthermore, Mr. Ramsey's own newsletter encourages people to take 12% as the average return, assume 8% withdrawal, and work backwards from retirement to figure out how much to save per year. In doing so, the family who follows that advice will, if they receive returns which match the CAGR of the S&P 500, fall 77% short of their retirement goals.
I am an absolutely and complete fanboy of Mr. Ramsey's advice when it comes to getting out of debt, but his incorrect assumptions paired with an anchoring bias (as well as a confirmation bias...how many people will read what you or I write and say "well, Dave Ramsey says something else," which supports having to save less and make more money, and disregard our work?) expose investors to significant amounts of risk.RepliesJason, thanks for inspiring this post with your own excellent post on the matter today.
You are certainly right. When he says 12%, it doesn't matter even if he includes caveats, the "regular people" (his words) will interpret that as him knowing how to obtain a 12% return.All good points, Jason. The other glaring problem is that he hasn't been famous for long enough for some of this bad advice to start showing up in people's lives.
As some of Dave's early disciples start retiring with the 12% return and 8% SWR beliefs to boot, I have a feeling there will be some outrage. Or a whole lot more 70 year olds working at McDonald's to keep the utilties on and food in their bellies.
I've always said that his debt advice is awesome, but he should just stop right there...
Just my 2 cents...
Wade, as much as I want to support people like Dave Ramsey (and maybe Suze Orman) as they are as much part of our industry as anyone, there is just a high degree of irresponsibility with some of their advice.
While it is true that they do some good work with helping people face their debt, build cash reserves, and manage their spending, when it comes to investment & insurance advice, they simply fall flat. It ranges from plain-vanilla/one-size-fits-all (which is dangerous in our profession, since every client is unique), to downright outrageous (as is the case with the 12% return/8% withdrawal strategy).
I simply don't understand how they get away with some of this stuff.RepliesThey're not getting away with it. It seems like every financial writer has taken Dave to task for these issues at some point. I wrote about it a year ago:
That said, I think we need to be careful not to be too pessimistic (which I think Wade is.) If future expected portfolio returns are really less than 2% real, that's a complete game-changer. If I can't get 2% real out of my portfolio, it's time to do something else. I've written about it here:
Now I'm a relatively young investor, having only started in 2004, but for me the best argument against 2% real returns is the fact that I've had 8.2% nominal returns (nearly 6% real) for the last 9 years. Am I doing something weird? Nope. Just a fairly typical, but aggressive, Boglehead style fixed asset allocation of low-cost mutual funds.
I see little point in investing in stocks and bonds if it will take 4 decades for my money to double in value. I'll go buy rental real estate. It doesn't take any effort or leverage to find a property with a cap rate of 5-6 (2-4% real) and relatively easy to get 10% levered returns. Why would I invest in stocks/bonds for 2% real when I can get 7% real with real estate? I wouldn't, and neither would anyone else. Capital will flow elsewhere until yields/expected returns come up.
Good article Wade.Thanks to both of you. Perhaps my estimated returns are on the low (but still reasonable) side, but I suppose that comes partly from wanting to play it safe and preferring to be pleasantly surprised later on than having things go the other way. Low return expectations do not deter me from wanting to save.
Thanks, Wade, it's great to see the researchers & academics direct a spotlight on Ramsey's bad investing advice. Have you read John Greaney's comparison of the "endorsed local providers" to a Vanguard portfolio?
Heh-- Jason, you're the first guy I thought of when I read this post-- an honest CFP who has to educate clients about Ramsey's conflicted marketing tactics. His personal attacks are even more disappointing to read about than Suze Orman.RepliesThanks for sharing the link, Doug. That's fascinating.
That is a tough business model to reconcile with any sort of financial services code of ethics.Doug--Yes, that's basically the approach I took, except that I took funds which Ramsey ACTUALLY cited on his show when "interviewing" Brian Stoffer (more like bullrushing an unprepared debate opponent) and compared them to their Vanguard equivalents. I have to admit, I was surprised to find one of them had outperformed the Vanguard index equivalent, but once you tacked the load on there, then the Vanguard selection was superior.
Another issue, which I didn't address in my article and Wade hasn't here, is that for the uneducated (which, in this case, most of his listeners are), disclosure, even if it's a conflict of interest, increases the trust between discloser and recipient, leading to an increase in behavior that the discloser recommends.
So, Ramsey could say "yes, I get a cut; I believe front-loaded mutual funds are the correct path," and people would buy front-loaded mutual funds. Therefore, the only solution is for him to provide correct advice in the first place.
You mentioned Suze Orman; I'm surprised she was allowed to retain her CFP(R) designation, as it's quite clear in the standards that CFP(R)s must have a fiduciary duty to their clients.
Great article Wade. I wanted to write similar but you beat me to it. Dave Ramsey has helped a lot of people on the frugality/debt side of things and I respect him for that, but he clearly is out of his league and has a conflict of interest on the retirement planning/ investment strategy side of this business. I've spread this around social media to try and bring more attention to your excellent work.
ReplyDeleteWade, nice piece, and good stuff adding various
I used the Shiller numbers for my calculator (which, obviously, pre-date the actual S&P 500 - but do go back to 1871) and had slightly more optimistic results... 5.56% of the time beating 12% (nominally) over 40 years (and never inflation adjusted) http://dqydj.net/investments-and-returns/ . For the record, I'm reinvesting dividends. However, no tax or transaction fees are assumed.
I shared my data manipulations with your compatriot Mr. Hull, but if you're interested I can toss the spreadsheet your way.RepliesThanks. You are finding that over 40 year periods, one could expect to obtain Dave Ramsey's advertised return only 5.56% of the time. It's 23% over 20 year periods. So it's not impossible, but it also isn't something that happens very often. I do see that you are talking about compounded returns, which is implicitly what Dave Ramsey is talking about. Thanks.
DeleteIf I was Dave, I'd definitely scale it back a bit - 8% returns (compounded, dividends reinvested) happened about 2/3 of the time for 40 years. 5% and 6% happened in the high 90%s.
Any of those is way more defensible than 12%.
Wade, this is fantastic. I can't tell you how many times I encounter this. "This is the fundamental trouble facing honest people trying to make a living in the financial services industry. There is always going to be someone willing to suggest that higher returns are possible." - Dana
ReplyDeleteWade, I wrote the following on Mike Piper's site three years ago: "The problem with Dave Ramsey and other big-name financial gurus is that they have talked themselves into a belief in their own omniscience. Once the guru decides what The Truth is, any dissent is treated as an expression of malice or envy (even though each guru's advice may be wildly at variance with their fellow gurus). And the guru's loyal followers will not tolerate any hint that their idol may have feet of clay."
That said, the most interesting point I glean from your table above is that, if one sticks to a 3-4% withdrawal rate, asset allocation is immaterial so long as one has a healthy dollop of stocks in the portfolio. This should serve as a reassurance to those of us who worry perhaps unnecessarily if our stock-bond ratio is all it should be given our risk tolerance and time horizon.Wade, what a great post (thank you Todd For sharing!). I have always disliked the 12% and loaded funds and had also wanted to do this post. :)
I don't mind targeting a high return, but I still only do my planning on 8% return. It is one thing to plan for a high return and end up with a low return, and another to plan for a low return and end up with a high.
I like to plan for the worst and expect the best. It is a good way to actually get to enjoy your retirement.Dave Ramsey, despite his everyman bluster, is primarily interested in promoting Dave Ramsey.
ReplyDeleteI have personally benefitted from Dave Ramsey's teachings and have completed financial peace university and have read his Total Money Makeover book. I agree with what all has been said here about unrealistic 12% returns; however you have to remember that he uses that predominately as an illustration. In my opinion just be because he uses an over zealous illustration it does not mean that his investment advice is bad or dangerous. He recommends investing 15% of your monthly income and he provides several mutual fund investment categories. What is wrong with that advice? Would you change this strategy if he gave 8% return illustrations?
ReplyDeleteRepliesThis idea that he uses 12% as an illustration seems to be relatively new. Jason Hull covered all of this in greater detail in his blog post linked to in my reply up above. He had the first comment on thread. It would be one thing if he used 12% as an example, but the suggestion seems to be that he knows how to find mutual funds that will return 12%. At any rate, this blog post is less about his 12% return assumption and more about his 8% safe withdrawal rate proclamation. That is potentially much more dangerous.
Wade, with regard to your 2/27/13 article, Debunking the Myth of the 8% Return, I don't understand why a different inflation number gets subtracted from the arithmetic return of stocks and bonds. Stocks' 11.8% becomes 8.6%, yet bonds' 5.5% becomes 2.6%. What am I missing?
ReplyDeleteRepliesHi Joe,
For the real returns, I calculated the real return for each year before calculating the average. I didn't just subtract average inflation from the nominal numbers. Because there are different correlations between inflation and stocks, and between inflation and bonds, this explains what you are seeing.
- AnonymousJune 11, 2013 at 4:08 PM
Dave recommends you invest 15% and invest in something you know. Is the 15% wrong? I don't think so. Is the actual return you can expect wrong, probably but I knew that as soon as I did minor research on fidelity or charles schwab. Your table above has the 100% stocks investment as outperforming or staying even with all other forms of investing, so I fail to see why Dave's advice of 100% being in error. The sum total of your argument is he shouldn't use 12% because people who don't do any research or care about their money with expect it. Someone who doesn't do their homework is left rely on someone who does or (in some cases) does not know what they are doing. I say this is a great opportunity for the financial professional to work with the client and educate them about what really happens with their money and earn their business. My advice in all this -Educate yourself to a basic level so you are not at the mercy of the unscrupulous or stupid.
ReplyDeleteRepliesHi, a 15% savings rate over 30 years is good advice. About 100% stocks performing better, that is one of the problems with the Trinity study (I mentioned I don't like it much), as it focuses on the probably of failure and not the magnitude of failure. Higher stock allocations have more upside potential and more downside risk. Why can't Dave Ramsey just provide realistic numbers directly, rather than providing unrealistic numbers under the assumption that listeners will then go out and determine on their own what realistic numbers are? Nonetheless, I do agree with your advice at the end.
- AnonymousJune 11, 2013 at 7:38 PM
How about focusing on ensuring people invest in their future by taking control of their? This is what "turns me off" with some financial professionals. Let's focus on whether the interest rate used is 100% accurate as opposed to getting people to invest in their financial future and take care of themselves and their family. As someone who has followed Mr. Ramsey and will continue to follow him as well as coordinate his classes (which we are not compensated for by his company, we believe in the process and are paying it forward)I will continue to caution people to be leery of those financial professionals who focus solely on the interest rates being exact as opposed to those who should be teaching their clients and the public about overall savings, living below their means, paying with cash and investing in their future.
ReplyDeleteRepliesI don't think projecting a realistic scenario is mutually exclusive from the other important issues you describe.
Delete- Chris PaynterJune 12, 2013 at 10:24 PM
I appreciate Dave for all of the things you mention. And his idea of saving 15% toward retirement is a great start. But if someone takes that to heart and plots out 15% over the next 25 years at a 12% growth rate and says "hey, I'm doing fine, I'll have $2.5M to retire on" will get a nasty surprise when he falls $700k short, which would be the difference between Dave's 12% and 9.87% (the actual annualized return of the S&P 500 since 1926). If that person would have been (and could have been) saving 20% instead of the 15%, he'd be fine. But because of Dave's bold assertion that 12% is a safe assumption, he's needlessly undersaving. Yes, personal finance is only 20% math and 80% behavior. But when the behavior is driven by the math, that math had better be correct.
Delete - David M., CFPJune 13, 2013 at 10:06 AM
Anonymous, you are correct. You should be wary of any financial professional that is solely focused on return. Good financial professionals are focused on planning and investor behavior. You've missed the point because of your bias for Mr. Ramsey. Mr. Paynter makes the point well. The problem is that Mr. Ramsey has placed himself in a position where many trust him and take his advice to heart. Unfortunately, when a group of knowledgeable professionals called him to task on some of his advice, he let his pride get in the way and displayed disappointing arrogance. Is it really that hard to admit that you were wrong and adjust your advice? He would earn a great deal of respect from many quarters if he did.
Wade - you began this post with, "Having spent the better part of the last 10 years in Japan..." I wonder how, if any, the Japanese stock and bond markets' performances during your time there influenced your conservative (but I think very reasonable) investment return assumptions?
Your post on June 7 stated in part, "Perhaps my estimated returns are on the low (but still reasonable) side, but I suppose that comes partly from wanting to play it safe and preferring to be pleasantly surprised later on than having things go the other way. Low return expectations do not deter me from wanting to save."
Individuals investing for retirement over the last 10-20 years in the US who projected their account balances to grow at 10 or 12 percent are not doubt shocked at the difference between those projected account balances and the current reality of what's actually in their retirement accounts today.
An interesting way to think about the impact of assuming an overly optimistic interest rate is to look at the universal life insurance policies sold in the 1980s (when interest rates used in new business illustrations were 8 or 10 percent). Those projections showed policies that had cash values exceeding the specified amount pushing the policy into corridor death benefits in 30 or 35 years. Instead, the reality of lower crediting interest rates have resulted in these policies running out of cash value and lapsing.
Low return expectations encourage more savings. Low return expectations should also help nudge those close to or in retirement to be conservative rather than aggressive with regard to their withdrawal rate.- David M., CFPJune 13, 2013 at 10:13 AM
Nice article Wade. I particularly like your point about the difficult position an honest professional is put in. There have been multiple times when I have lost a potential or existing client because I refused to use overly optimist return assumptions and they either chose someone who did or worse, they decided to do-it-themselves because they thought they could do better on their own.
ReplyDelete - Roy Jones, MBA, CFP®June 19, 2013 at 8:38 PM
Wade, this 12% / 8% attack on Dave Ramsey is being taken out of context by people who are not familiar with his work and audience, and I feel it is doing more harm than good. Your comments about realistic rates of return and withdrawal rates are true and relevant to those who carefully budget, plan and have accumulated assets. However, someone close to retirement is not going to reach for a copy of "Total Money Makeover," invest in 4 stock mutual funds and set an 8% withdrawal rate. To imply this is the case is to grossly misrepresent Dave Ramsey's advice.
Dave Ramsey uses 12% to motivate a large, indebted audience hungry for change to take action. It is an illustration that makes people ask, "what if?" Consider that millions of Americans are paying well over 12% in interest and fees on credit cards, and the opportunity cost of not living within their means is double or triple a 12% rate of return and will inevitably lead to real suffering. For Dave's indebted audience, 12% very likely undervalues the benefit of eliminating consumer debt or not financing expensive vehicles and investing instead. He rightly points out that only through ownership (equities), not debt (bonds), can one expect to beat inflation over long periods of time. He qualifies his investment and planning advice by recommending people talk to a professional since each person has different needs, time horizons and risk tolerances. He does not teach that stock mutual funds are like savings accounts with a 12% / 8% interest rate.
In the business of advice, Dave Ramsey does the hardest job of all: He reaches out to countless broken humans who are shunned by professionals but desperate for help, and guides them from a very dark path to a hopeful future. There are thousands of people who have become financially self-reliant thanks to this man and will become "good" clients for the financial industry. As a financial planner focused on retirement, I have sent younger people who were in very bad shape to Financial Peace University who came back to my office after a few years completely transformed. This positive influence is stunning, it is rare, and it is sorely needed on a large scale. Wade, good discussion on a tough topic. I too have taken the FPU class and have been a Class Coordinator for 5 years. So I've heard it all on this one topic, but witnessed the greater impact of this financial education class for over 600 folks. The end game is just not ROI, but a series of skills and a new outlook on money that most Americans never received in school or elsewhere. The stories are endless about the trouble folks are in and the emotional, physical and financial impact it creates. Marriages threatened, folks really hopeless for any good future.
So what has Ramsey provided...the simple set of necessary skills to eventually succeed. Getting and staying out of debt. Money management for the remainder of one's life. Planning ahead, not reacting to the moment, etc. Yes other financial planners do the same, but we're talking about Dave right now. I would be thrilled if all folks taking FPU got their act together, stay on track and ended their days in good shape and not the poor house (see 2010 Census data on the growth of 'poor elderly' in the U.S.) Argue as we have about 12%, but I'll take an educated young adult leaving Ramsey's class any day who will have a good future.I would appreciate your help. My wife's aunt is the principal of a church school. First rate Christian lady who can never sit down to dinner, even on Sunday, without taking calls from parents. Has build a first rate school but never finds time to learn about investments and investing.
Personally I agree with Scott Burns that the 403b should have been sent to the barn after the various IRA's and 401k's were introduced, however, the insurance lobby had 13 years to sew up schools and professionals and it appears that with the high commissions, like it or not, they are here to stay. Easy to sell, difficult to defend.
When Dr. Phelps started many years ago, her 403b was through the Baptist Convention Annuity Board. Four years ago her new school moved her account to what the Annuity Board is now called, Guidestone Capital Management. She is 70 and with all 3 indexes hitting all time highs, I encouraged her to end the crap-shoot with her deferred variable annuity and shop around for an immediate annuity. They asked me to research their options. I though it would be easy because her nephew works for Guidestone. He has worked there many years answering customer questions on the phone. Doesn't really know anything about the products. told me they are in fixed annuities, and then had me go to a Prospectus for their mutual funds when I asked about fees and expenses.
No one I spoke with knew which mutual fund companies they work with, what Mortality & Expense charges she has been paying. Good honest people, but very poorly trained. I honestly can't decide if someone is getting rich and Guidestone is being duped, which could also be the case with Dave Ramsey, or it is a great product. Since the immediate annuity terms were established when she wasn't looking at that part of the deal, I suspect a 1035 Exchange is where I would be headed. Do you know anything about Guidestone Financial Group? Who is currently offering the best immediate annuity product for individual investors?RepliesDan, I'm sorry that I've never heard of the Guidestone Financial Group and so I can't provide any comment.
About immediate annuities, www.immediateannuities.com is a reliable source of information. As I just checked, the payout rate on a $100,000 amount for a 70-year old woman is 7.35%. If you are a Vanguard customer, you are also able to access Income Solutions through their website. It is a great resource for information on immediate annuities.
Sometimes those deferred variable annuities offer an attractive guaranteed return during the deferral period, but then offer an unattractive payout rate when annuitized. It's worth investigating other SPIA options, as she might be able to get more income that way even after paying any surrender charges.
Best wishes.


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Now at the Playhouse Theatre for a strictly limited season La Cage aux Folles stars Graham Norton as Albin (until 25 April) and Steven Pacey as George. The idyllic existence of Georges and the dazzling drag artiste Albin, star of the La Cage aux Folles club, is threatened when Georges' son announces his engagement to the daughter of a right-wing politician, who wants to close down the local colourful nightlife! With a visit from the prospective in-laws imminent, they all decide to take drastic action to hide their lifestyle. But can they keep it up? Get your La Cage aux Folles tickets now!
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- Network Solutions [1]
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Ingenico's Networking Solutions are designed to respond efficiently to any data and POS communication need and provide the additional secured connectivity you need. Designed to reduce operating costs and maximize your investment in existing POS estates, these solutions both enable the development of end-to-end transaction management systems.
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Senior Pastor Mitch Maloney said the church is honored to be hosting this prestigious choir, who has been selected to perform at the 2013 Presidential Inauguration.
North Cleveland Church of God is located at 335 11th St. N.E.
The Lee University Festival Choir is a student ensemble which represents the university at special campus and community events throughout the school year. The 200 students performing at the 2013 Presidential Inauguration have been chosen from seven campus choral ensembles, including 350 vocalists, which perform regularly as part of the Lee University School of Music.
These ensembles have appeared around the world at venues as varied as Carnegie Hall, the NBC television show "Sing Off", and St. Peter's Basilica in the Vatican. The groups present choral masterworks, pop and gospel music, and standard classical literature, performing composers ranging from Duruflé to Bach to John Rutter.
In addition to North American touring, Lee's choirs perform extensively throughout Europe and Asia and are scheduled to tour Indonesia and China this summer.
The Lee Festival Choir members represent a cross section of students from Lee University.
The Lee University Festival Choir is under the direction of William Green, who is dean of the School of Music. Dr. Green holds the doctorate of musical arts degree in choral conducting from the University of Kentucky.


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Directions to Soggiorno Fortezza Fiorentina
- Info
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Map & Directions
Here's how to reach us from the train station Santa Maria Novella.
The estimated time of arrival are from 6 to 10 minutes on foot.
Here's our suggestion: you just got off the rails behind the
train and you walk into the last carriage, exit right (not
follow the crowd usually left out, please!) and get
the stairs, in front of you there the city tram station (ALAMANNI) and newsagent right
at bottom of stairs. Bear right and walk across street
Alamanni. Come to the end and you will find a traffic light.
cross the road and next to the kitchen window of the shop 'Schiffini' there
number 61, you will see a plaque outside that says, 'SOGGIORNO FORTEZZA FIORENTINA' and you're there. Ring the bell 'Soggiorno Fortezza Fiorentina', we will open, go up to the third floor door on the left. there is also
the elevator!
Remember the exact address and ': Viale Fratelli Rosselli 61 By car: Coming from highway A1 exit Florence South West As for those coming from North A1 exit Firenze Nord, proceed towards the inner ring road and proceed to the Central Station of Santa Maria Novella.
By plane: There are shuttles that connect the Florence Airport to Central station Santa Maria Novella, from which we can reach only 5 minutes walk proceeding by L. Alamanni.
By train: Leave no track direction. 5-6 (Stepped right) and proceed via L. Alamanni to the first intersection with lights.


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Stainless steel surgical quality case
Material: Stainless Steel, Leather
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Origin: Italy
Based in Germany, Carucci designs timepieces that represent the intersection of German precision and Italian chic. Owned by the watch manufacturer Unique Time, Carucci designs high-performance, water-resistant men's and women's watches made of durable, surgical-quality stainless steel, crocodile leather, and other luxe materials. Whether you're looking for elegance, a little flash, or just a solid timepiece, these watches from Carucci have you covered.


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Ja-Hong Kim, MD
English, Korean, Spanish
Ronald Reagan UCLA Medical Center
UCLA Medical Center, Santa Monica
(310) 794-7700 New Patient Appointments
(310) 794-0755 Follow Up Appointments
Clark Urology Clinic
200 Medical Plaza, Suite 140
Los Angeles, CA 90095
Urology, UCLA School of Medicine, 2007 - 2009
Urology, Cleveland Clinic Foundation, 2002 - 2007
Surgery, Cleveland Clinic Foundation, 2001 - 2002
MD, Baylor College of Medicine, 2001
Benign Prostatic Hypertrophy, Interstitial Cystitis, Neurogenic Bladder, Overactive Bladder, Robotic Surgery for Vaginal Prolapse, Robotic Surgery-Female Urology/Pelvic Medicine, Urethral Stricture, Urinary Incontinence, Urinary Tract Infection (Female) |
Provider, Urology, Minimally Invasive Surgery, Pelvic Medicine, Incontinence & Reconstructive Surgery, Female Urology, Urodynamics and Reconstructive Surgery
Assistant Professor, Division of Pelvic Medicine and Reconstructive Surgery, Department of Urology.
Dr. Kim received her medical degree from the highly regarded combined BA/MD program at Rice University and Baylor College of Medicine. She completed Residency in Urology at Cleveland Clinic during which time she dedicated a year in basic science research focusing on animal models of incontinence. After finishing two years of fellowship in Pelvic Medicine and Reconstructive Surgery at UCLA, she was recruited to join Dr. Shlomo Raz and Dr. Larissa Rodriguez in their Division.
Dr. Kim's clinical interests encompasses neurogenic and non-neurogenic voiding dysfunction, urinary and fecal incontinence, neuromodulation for overactive bladder and urinary retention, vaginal prolapse, genitourinary reconstruction, and other areas of pelvic medicine, including pelvic pain and sexual disorders. She has trained extensively in pelvic floor reconstruction and robotic/ laparoscopic surgery to provide innovative quality care to help patients regain function and improve quality of life.
- 2007 Visiting Resident, Harry M. Spence Visiting Professorship, UT Southwestern Urology
- 2006–2007 Traveling Resident Scholarship to Vietnam, International Volunteers in Urology
- 2005 Third Place in Resident Research Essay Contest, Ohio Urological Society Meeting
- 2004 Eli Lilly Scholarship, American Urogynecology Society/Society of Gynecologic Surgeons
- 2001 Arnold Award for Excellence in Urology, Baylor College of Medicine
- 2001 Winner of The James K. Alexander Research Symposium, Baylor College of Medicine
- 1993–2001 Rice / Baylor Scholar, Combined B.A./M.D. Program
- 1997 J.S. Fulton Outstanding Senior Award, Rice University
- 1993–1997 Herbert S. Allen Merit Scholarship, Rice University
- 1993–1997 President's Honor Roll, Rice University
- 1993–1997 Robert J. Byrd Merit Scholarship, Texas Board of Education
Our staff will assist you in selecting the appropriate UCLA clinical department for your patient.
Find out how to refer a patient


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I just returned from five days in Hong Kong where I delivered nine presentations, workshops and high level meetings assisting the people of Hong Kong in addressing critical resource conservation issues. Meetings included a private session with the Minister for Environment for Hong Kong.
I'm running too quickly to blog right now, so I've invited my colleague Caryn Bosson to do a guest post about an upcoming event we're all pretty excited about…I'll be on stage throughout the day with friends and special guests bringing some perspective and inspiration about transforming L.A. one house and neighborhood at a time.
For a city that lives on the brink of drought, L.A. squanders a lot of water. Every inch of rain that falls onto our rooftops, streets and parking lots generates 3.8 billion gallons of run off that is mostly channeled into the ocean.
At TreePeople's 2nd annual Green City Fair on Saturday, May 5, Angelenos can choose from sixteen free workshops on practical techniques for creating more water-absorbent, water-secure, sustainable and beautiful landscapes. At our Center for Community Forestry headquarters, the Green City Fair also features green vendors, food, entertainment, guided hikes and family activities, and demonstrations of how we can get to the sustainable L.A. of the future.
Picture this: you're in the middle of South LA, surrounded by a grey cityscape. Suddenly you come across a a beautiful wetlands complete with birds, water, native plants and meandering paths and boardwalks. Not just a beautiful spot, but one that is actively cleaning polluted water, protecting the health and safety of the surrounding neighborhood and the the entire city. How did this happen? It happened because two people, Los Angeles City Council member Jan Perry and Jeff Catalano, her Director of Environmental Affairs. shared a dream that their community could be better, healthier, greener and more sustainable. To make that dream come true, they learned a lot and worked hard for many years. They enrolled others in the dream and enlisted all sorts of help, funds, and cooperation from agencies, organizations and individuals. Their efforts - and their results - have been extraordinary, but they aren't alone. Projects big and small are sprouting up all over Los Angeles from seeds planted over the past two decades.
Last week's windstorm downed trees and wreaked havoc on our streets and landscapes, costing millions of dollars in property damage. Equally as devastating was the costly damage to a critical part of our community infrastructure: the urban forest. Kudos to all the arborists, the professional tree people, who've just performed the heroic, high-risk work of rapid cleanup. These are people who until recent municipal budget cuts were regularly employed keeping our trees safe and healthy. We need trees in cities more than ever. We need them to protect us from heat, flooding, air pollution, drought - health and safety hazards far more common than a uncharacteristic wind storm. We need them to provide us with oxygen, shade, beauty, natural habitat, energy savings, and carbon dioxide sequestration. In losing the trees toppled by the storm we've lost vital services. Could these losses have been prevented?
Free Rain Barrels! We're rolling out the rain barrels and rebates...order yours today!
Check out our blog!


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See Disclaimer regarding information on this site. Some links on this page may take you to organizations outside of the National Institutes of Health.
red blood cells called acanthocytes. Signs and symptoms more commonly reported include a history of chronic diarrhea with pale, foul-smelling, and bulky stools; loss of appetite and vomiting; and slow weight gain and decreased growth. Some individuals hvae may have ataxia, tremors, and visual abnormalities; or jaundice, abdominal pain, pallor, dark urine, and recurrent infections. Although acanthocytosis has been associated with a number of both inherited and acquired conditions, it most commonly occurs with abetalipoproteinemia and hemolytic anemia of severe liver disease. Treatment for acanthocytosis depends on the underlying condition the affected individual has.[1][2]
Acanthocytosis is a condition characterized by the presence of abnormally-shaped
Last updated: 10/23/2013
- de Alarcon PA. Acanthocytosis. Medscape Reference. November 30, 2011; http://emedicine.medscape.com/article/954356-overview. Accessed 11/1/2013.
- Pedro A de Alarcon. Acanthocytosis. Medscape Reference. November 30, 2011; http://emedicine.medscape.com/article/954356-overview. Accessed 10/23/2013.
Your Questions Answered
by the Genetic and Rare Diseases Information Center1 question(s) from the public on Acanthocytosis have been answered. See questions and answers. You can also submit a new question.
On this page
Basic Information
- The National Organization for Rare Disorders (NORD) is a federation of more than 130 nonprofit voluntary health organizations serving people with rare disorders. Click on the link to view information on this topic.
In Depth Information
- Medscape Reference provides information on this topic. Click on the link to view this information. You may need to register to view the medical textbook, but registration is free.
- Orphanet is a European reference portal for information on rare diseases and orphan drugs. Access to this database is free of charge.
- PubMed is a searchable database of medical literature and lists journal articles that discuss Acanthocytosis. Click on the link to view a sample search on this topic.
See Disclaimer regarding information on this site. Some links on this page may take you to organizations outside of the National Institutes of Health.


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YC-Backed Hipset Launches YouTube Network to Help Clients Like Tyga, Soulja Boy, and Rob Zombie Make Money Off YouTube
At this point, it seems fair to say that celebrity-associated tech startups occupy their own stratum of Startupland. There's the celebrity-backed startup, benefitting from the digital ambitions of investors like Scooter Braun, Ashton Kutcher, and Lady Gaga. Then there's the celebrity "cofounded" company (see: half the startups in Los Angeles). There's even startups that help brands harness the buying power of, say, Team Breezy.
Coming soon: a celebrity-backed venture capital fund, with a hashtag in the title, of course. Read More


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Shoppers who like Dominick's variety, prices sorry to hear it's closing
BY BECKY SCHLIKERMAN Staff Reporter October 10, 2013 10:06PM
Susie Kovass, 34, of Lincoln Park, says she started shopping at Dominick's in 2003 and has relied on it since then. She hopes the workers, many of them familiar faces, get to keep their jobs. "Hopefully those people aren't out of work," she says. She won't be shopping at the store when it's replaced by Jewel. "I don't really like Jewel, so I'll probably go to Mariano's." | Stacia Timonere/For Sun Times Media
After shopping at her neighborhood Dominick's store in Lincoln Park on Thursday, Pam Mashke, 61, was sorry to hear that it will be closing.
She said her mother started shopping at Dominick's in 1966 in Deerfield.
She continued that tradition and countless family and holidays meals have been made using food bought at the grocery chain.
"They do things differently . . . than the other stores," Mashke said.
She likes the flower selection; the deli; the fish and meat selections; the wine and liquor choices, and the store-brand products, which she says are affordable. Add to that the friendly staff.
"That's going to be really tough," she said of the store changing over. "I'm not a fan of Jewel."
She said Jewel doesn't have as good a selection of fresh products and its prices are higher.
Another shopper, Susie Kovass, 34, of Lincoln Park, said she started shopping at Dominick's in 2003 and has relied on it since then. She hopes the workers, many of them familiar faces, get to keep their jobs.
"Hopefully those people aren't out of work," she said.
She also said she won't be shopping at the store when it's replaced by Jewel.
"I don't really like Jewel, so I'll probably go to Mariano's."
At a Dominick's on the Near North Side, Tony Nimmo, of Lincoln Park, said: "I'll have to find an alternative."
In the River North neighborhood, Stefanie Harris, 31, was surprised to hear the news that Dominick's is leaving the Chicago market.
"There's always a lot of people coming and going," she said.
Harris, like many shoppers interviewed Thursday, said she shops at Dominick's for staples, such as milk and some produce.
Others, including Heather Stipe, 29, of Old Town, said they like Dominick's wine selection and variety of products. For Stipe, it was hummus.
"I will for sure miss that," she said, pulling out an Athenos brand container of hummus.


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Conceptual Line of a Continuous Air Barrier in Upper Wall Section
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Buenos Aires Ezeiza Airport
Also known as Ezeiza Airport, Buenos Aires International Airport is Argentina's largest international airport, handling more than seven million passengers a year. The airport is 22 miles south-west of the city centre. A shuttle bus takes 45 minutes into central Buenos Aires.
Make your own arrangements in advance for transport to and from the airport
Distance from city centre
35 km (22 miles) south-west of Buenos Aires.
Airport parking
The airport has open-air and multi-storey covered car parks. Parking is subject to availability as spaces cannot be reserved and there is no distinction between short- and long-term parking. There is a special parking area for pregnant women and the disabled.
Airport code
Airport telephone number
+54 (0) 11 5480 6111
Airport website
These are useful guidelines only – always check in advance to find out which terminal your flight departs from. If you go to the wrong one, it's only about ten minutes' walk between Terminals A, B and C.
No. of terminals
Transport between terminals
It's a ten-minute walk between Terminal A and B via a covered walkway. Terminal C is a ten-minute walk from Terminals A and B.
Terminal A
Terminal A is Buenos Aires International Airport's main international terminal.
Terminal B
Aerolineas Argentinas' domestic and international flights operate from Terminals B and C.
Terminal C
Many charter and cargo carriers operate from Terminal C.


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Courtesy Ready PacDeveloped by Ready Pac and Clear Lam Packaging, this resealable clamshell container earned the Wal-Mart Excellence in Sustainability award recently.Ready Pac Foods Inc. has received recognition for its efforts to reduce its carbon footprint from Wal-Mart Stores Inc.
The retailer presented Ready Pac with an Excellence in Sustainability award during Wal-Mart's annual sustainable packaging exposition.
The award honored both Ready Pac, Irwindale, Calif., and Clear Lam Packaging Inc., Elk Grove Village, Ill., for innovations the companies developed for a peel and reseal tray. Ready Pac uses the trays for mixed greens clamshell containers, according to a news release from Ready Pac.
The trays use one-third less plastic than other containers, which allows for an extra layer on each pallet during transportation, according to the release.
"The peel-reseal project is a great example of the collaborative work with Ready Pac and their packaging supplier, Clear Lam," Wal-Mart's director of private brand packaging Chet Rutledge said in the news release.
"Not only does this packaging system use less material, it is more efficient throughout the supply chain. This is a project that I will use as a model for future projects."


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April 2013 APHIS Stakeholder Meeting
Click here to view the closed-caption recording of our April 11th Stakeholder Meeting. If captions are not visible on your screen, please right click on the box in the upper right-hand corner of the screen, and click on "lyrics, captions and subtitles," to turn the captions on.
February 2012 APHIS Stakeholder Meeting
On Monday, February 27, 2012, APHIS hosted a public meeting to discuss the Agency's budget, process improvement efforts, and modernization initiatives and give stakeholders the opportunity to ask questions and provide feedback on the Agency's critical services. Along with the meeting, APHIS launched an electronic survey to get more detailed feedback from stakeholders, and more than 220 people responded providing their perspective on the Agency's essential services and opportunities for enhanced partnerships.


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Forget Me Not (Hardcover)
by Dieter F. Uchtdorf
Ships in 2 to 3 business days
Domestic and International Shipping Options
Other Formats Available
Product Description
Inspired by the five petals of the tiny forget-me-not flower, President Dieter F. Uchtdorf reminds us of five things we will be wise to never forget:
A wonderful gift for any woman in your life!
About the Author
President Dieter F. Uchtdorf has served as the Second Counselor in the First Presidency of The Church of Jesus Christ of Latter-day Saints since February 3, 2008. He was sustained as a member of the Quorum of the Twelve Apostles in October 2004. He became a General Authority in April 1994 and served as a member of the Presidency of the Seventy from August 2002 until his call to the Twelve.
Prior to his calling as a General Authority, President Uchtdorf was the senior vice president of flight operations and chief pilot of Lufthansa German Airlines.
President Uchtdorf was born in 1940 in what is now the Czech Republic. He grew up in Zwickau, Germany, where his family joined the Church in 1947. He and his wife, Harriet Reich Uchtdorf, are the parents of two children and have six grandchildren.
I love this book!
by Amitie - reviewed on July 15, 2012
When you read this book you will know how much your Father in Heaven love you and also how important you are. It is a wonderful book. I think that all LDS woman should own and read this book.
Gorgeous art to accompany a wonderful message
by Mj - reviewed on June 28, 2012
I bought this for my Mom for Mother's Day and wanted to keep it for myself. I absolutely love this book and so does my Mom. The pictures are gorgeous and perfectly accompany the beautiful message President Uchtdorf presents. The 5 forget-me-nots are messages I'll carry with me forever.
I loved the message
by Deb - reviewed on May 17, 2013
I saw this book, and thought that it would be nice for my mother. For some reason I did not pick it up. As I thought about I decided that it would be perfect. I asked my husband (he is not crazy about stores) to pick it up on his way home from work. He did. I read the book myself, and the message was so, I can not describe the feelings I felt. On Mothers Day, the bishop gave each mother in the ward the book mark. Now I have both the book and the bookmark


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bernard cardigan
by STEVEN ALAN
Having spent the past 20 years creating a mini fashion world grounded in classic American roots - fashioned with a twist - Steven Alan has quietly emerged an uncommon fashion pioneer. Upon opening his first retail store in 1994, Steven sold pieces from an eclectic group of emerging designers, becoming known for his keen eye. In 1999, Steven launched his first men's collection, including his now signature Reverse Seam Shirt, followed by a women's collection soon after. The collections build upon the same curatorial point of view using authentic fabrics and precise tailoring along with thoughtful details- resulting in easily wearable, refined casual looks.
Back To Product View All From This DesignerMen's Size Chart
Product Details
Chunky cable knit cardigan with a shawl collar and button down front. Two pockets at sides. Thick rib trim at the cuffs and hem.
• v-neckline
• yarn has a slight marled look
• brownish grey buttons
• 100% cotton


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Damn this babe Jessica Koizaki is a fucking hottie especially when this hot milf is wearing her super sexy lingerie. This babe has always been into big dicks and here you will see her in some really wild action with double blowjob pleasures and you will see her getting so excited from all of the hot action that she rides cock like a pony on speed, she loves the action so much that she begs for loads of cum all over her pretty face.
Jessica Kisaki is looking so damn sexy here as a sexy teacher and here you will be seeing her in some of the kinkiest fucking action where you will be seeing her in her ripped pantyhose really getting into the wildest cock sucking action where she ends up getting in hardcore action with the wildest dick riding.
It can be pretty cold in the outdoor swimming pools. Good thing there is Jessica Kizaki ready to make things hot between her and her friend. She gets her wet hands on that cock before the guy can take of his trucks and starts pumping fast! Nothing gets the job done better than the mouth though, so that dick gets a hot blowjob
Jessica Kisaki isn´t a hot milf that likes to mess around, she is so damn horny that she really likes getting into the kinky fucking action and here you will be seeing this really fine ass babe showing off her goodness with lots of hand work action all over cock and you will see her going down on her knees with a good blowjob!
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Using HP SimplePass Fingerprint Reader (Windows 7, Vista)
This document pertains to HP Notebook PCs with HP SimplePass Fingerprint Reader.
A fingerprint reader is a security device that uses a scanned image of your fingerprint to authenticate who you are. With fingerprint security software you can log on to applications and secure web sites by scanning your fingerprint instead of typing your Username and password on the keyboard.
NOTE:If your computer model uses HP SimplePass 2011 version 5.x or later by AuthenTech, see
Setup and Use the SimplePass 2011 Fingerprint Reader
To use a fingerprint reader, there must be at least one Windows User account, and that account should require a password to log on to Windows. You can register a new fingerprint or web site at any time.
View a video about setting up a Fingerprint Reader:
Enrolling your fingerprints in SimplePass
You enroll your fingerprints by scanning each finger multiple times so the program can capture a consistent image of your finger. It is best to enroll your index finger and at least two other fingers for flexibility. If for example, your index finger is scratched or injured, or even dry and dirty, the reader may not recognize it. You can add or delete additional fingerprints at any time. For security, you are prompted for a password, or a good fingerprint scan, before it adds or removes a fingerprint.
Read one of the following sections to start the fingerprint reader for the first time, or add or delete fingerprints after the initial set up.
NOTE:You must have a valid user account on the computer, and enroll the fingerprints for that account, before you can register any password protected sites.
When you open HP SimplePass Identification Protection the first time, the program prompts you step-by-step through the fingerprint enrollment process. Follow the steps below to set up the fingerprint reader for the first time.
- Click Start , and select HP SimplePass Identification Protection from the Windows menu.When the Welcome to HP SimplePass Identity Protection! screen opens, click Next.
- Confirm you are logged on to the correct Windows user account.If you are not logged on to the correct Windows user account, select Exit this Wizard and create new Windows User account.If you are logged on to the correct Windows user account, click Next.
- When prompted, verify your identify by typing in the password you use to log on to the computer, and then click Next.
- On the Enroll fingerprints screen, click the finger you want to enroll.
- On the Practice scanning fingerprints screen, slide your finger over the fingerprint reader. Respond to the feedback provided.When you receive a quality scan, click Enroll to continue the fingerprint enrollment process.
- Enroll your fingerprint by sliding the selected finger over the fingerprint reader multiple times until enrolment is complete, and then click Save to continue enrolling other fingerprints.
You can enroll additional fingers at any time. Depending on how you use the computer, you may get more consistently accurate scans by using a finger other than your index finger.
- Click Start , and select HP SimplePass Identification Protection from the windows menu.
- On the HP SimplePass Identity Protection window, select Bring me to fingerprints in the left panel.
- Before you can make any changes you will be prompted to scan your finger and be identified by the system.
- When prompted, click on the picture of the corresponding finger, and then either enroll or delete a fingerprint.
- Enroll a fingerprint - Click on an un-enrolled (gray or non-highlighted) finger and then swipe your finger on the scanner.
- Delete a fingerprint - Click on an enrolled (green highlighted) finger and select Yes when prompted, Are you sure you want to delete the fingerprint?
- Save - After making any changes, click Save to accept the changes and exit the application.
Registering or managing a secure logon account with SimplePass in Windows 7 or Vista
Once a fingerprint is enrolled, you can register and manage a secure logon account for an application or web site. The Password Manager collects the Username, a password, and any other required values for logging in.
Easy setup using SimplePass in Windows 7 or Vista
The easiest way to set up a new password account is to open the HP SimplePass application, and then open the secure application or web site and put them side-by-side on the screen. Follow the steps below to set up a new web site logon.
- Use your browser to navigate to a secure web site logon page.
- Type your Username and Password on the logon page, and then click the fingerprint logon icon that appears on the secured web site in the browser.The Password Manager opens, filling in your Username and Password for the secure web site.
- Click OK on the Password Manager screen to save the logon information. If prompted, slide your finger over the fingerprint reader to verify your identity.
You may now log out and close the application window. To test the fingerprint reader password management, go to Testing the SimplePass fingerprint reader password management function in Windows 7 or Vista
Adding and managing a new application or Web site using SimplePass in Windows 7 or Vista
Follow these steps to add Web site log in information and set your preferences in SimplePass:
- In the application or web site logon window, type in the required Username and Password. Select any other required information such as, the Stay signed in option.
- Scan your finger to open the Add Logon to Password Manager window.
- Type a unique name in the Account Name field or accept the default.
- Type in the Username, Password, or other required field values.
- Click OK to accept the values and close the window.
You may now log out and close the application window. To test the fingerprint reader password management, go to Testing the SimplePass fingerprint reader password management function in Windows 7 or Vista
Testing the SimplePass fingerprint reader password management function in Windows 7 or Vista
Follow these steps to test the functionality of your SimplePass fingerprint reader and see a list of accounts registered in SimplePass:
- Close all applications, and then scan you finger.
- If the fingerprint scan is recognized, a list of all the registered accounts displays in the Password Manager.
- Double-click on the desired registered account to open the logon window.
- To verify your identity, either scan your fingerprint or click Cancel and enter the required information using the keyboard.
Adjusting the SimplePass fingerprint reader sensitivity in Windows 7 or Vista
The image of your fingerprint stored in the program represents the condition of your finger at the time it was scanned. The scan may not be recognized if your skin gets dry, if you press your finger onto the reader distorting the skin, if you move your finger on a slight angle across the scanner, or if you move your finger too fast or slow. The sensitivity of the program can be adjusted to allow for some variation in the fingerprint recognition.
To access the sensitivity settings:
- Open HP SimplePass Identity Protection.
- Select Fingerprint Reader in the left panel.
- Adjust the sensitivity to low, medium, or high.
If changing the setting makes very little difference and you are still having problems with the logon, you may want to delete the original fingerprint image and re-enroll your fingerprint by swiping it across the scanner at a more consistent speed, angle, and pressure.
Using the fingerprint scanner to protect multiple user accounts
The HP SimplePass Fingerprint reader provides easy security protection if multiple people use the same computer. Each person using the computer should have their own user account, and that account can be accessed using a fingerprint reader.
For example, the parent in a family could have an account with administrator privileges allowing them to install new programs, while each of the children has a personal user account with limited privileges to use, but not install programs. Each child's settings and files are protected and are not accessible by their siblings. The parent, as the administrator, has access to all files.
By using a fingerprint reader with HP SimplePass, when one of the children is ready to log in, they simply scan their finger and the security protection program identifies them and logs on to the proper account.
To set up multiple fingerprint user accounts, follow the steps in Enrolling your fingerprints in SimplePass
while logged in with each Windows user account.
Backing up and restoring SimplePass fingerprint configuration in Windows 7 or Vista
Many applications and web sites use unique user names and passwords to protect personal identity and data. Although the fingerprint reader can make this job easier, many people have discovered that after using a fingerprint reader, they forget their passwords.
If you are using the fingerprint reader to access several accounts with different user names and passwords, back up your fingerprint reader security data and settings to a removable storage device, such as a USB flash drive, and store it in a secure location, away from the computer.
To backup or restore the fingerprint reader security data and settings:
- Open HP SimplePass Identity Protection.
- Click onBackup and Restore in the left panel.
- Follow the on-screen instructions to complete the backup or restore.
Installing or updating required software for SimplePass
The fingerprint reader drivers and the security applications are designed to work on specific models and operating systems. All of the device drivers and security applications designed and approved for the original configuration of your notebook are available on the HP Drivers and Downloads support web site. Follow the steps below to install or update your software.
NOTE:The drivers and programs used on one model may not be compatible and may not work with other models.
- Go to the HP Drivers and Downloads page for your model.
- Follow the on-screen instructions. Enter your model number or product number.
- Select Software and Driver downloads.
- Click your operating system under Select operating system.
- After clicking the operating system, find and select the Software - Security section.
- Click on HP SimplePass Identity Protection Software.
- Click Download, and then Save the file to convenient location on your hard drive, such as the desktop on the computer.
- Double-click the downloaded file and follow the instructions to install the HP SimplePass Identity Protection software.
Updating the BIOS to support SimplePass
The computer's BIOS must support the use of a biometric device and the fingerprint reader option must be enabled in the BIOS. If you have installed the latest version of the HP SimplePass Identity Protection software for your computer and experience problems, download and install the latest BIOS for your computer model. See
Updating the BIOS
for more information.
HP Support forums
Find solutions and collaborate with others on the HP Support Forum


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cardinalscards42 Wrote:Hey Chris i know this should be for the price quide analyst so maybe you could forward it to him. 2008 Topps Chrome 50th Anniverrsary All-Star Rookie Albert Pujols blue refractor /200 books more than 2008 Topps Chrome 50th Anniverrsary All-Star Rookie Albert Pujols copper ref. /100 . i understand ther is more of the other one out so you can find pricing for it easier but the copper should book higher or at least the same.
chrisolds Wrote:The Cardboard Fan Wrote:Why are certain sets such as 09 Razor product not cataloged? Did you just search for "Razor"? There are no 2009 Razor baseball sets cataloged because there are none. Their sets are 2008s.
The Cardboard Fan Wrote:Why are certain sets such as 09 Razor product not cataloged?
chrisolds Wrote:Ah... *that* set. (See previous answer about Signacuts and cut sets above.)
chrisolds Wrote:Here's another sticky! Just for you guys... Have a question about something? Post it here and I'll see if I can answer it. Who knows, it could end up in a future issue... (I don't handle pricing ... that would be the "ask the senior price guide analyst" sticky thread to perhaps arrive over in the Beckett Baseball Pricing Forum. I also don't handle tech/site issues. Other than that, I'll see what I can do... ) This is one of a few new things we're going to try online in terms of reader interaction projects. We're also soon going to try some multimedia projects as well.
bryandwilliams79 Wrote:Hi, I have the 1991 Fleer Baseball Card Set. On the top of the box it says, "Baseball Fleer '91 Logo Stickers & Trading Cards" There are 732 Cards and 50 stickers. I can't find it when I try to search for it, is there any way you could help me find out how much it is worth and if it would be more valuable as a complete set, or by the individual cards that came in the box?


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You say you like listening to De Mooiste Borsten Van België, let's see...
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2. Be sure you write me the correct (full) title of your favorite stuff.
3. If you've written me more than one favorite band/movie/book/show/author/game, be sure to separate these titles using commas.
If none of these works for you, please try searching for more popular bands, movies, shows, books, authors or games in the same genre.


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Get fired up with the Washington State Cougars Outdoor Fire Pit. Alumni, students, college hoops and football fans will love our line of Collegiate Fire Pits. Each pit comes with a poker, a spark screen and a BBQ grill. These unique fire pits are a must for tailgate parties and grilling before the big game Manufactured with pride by Patina Products, show your Cougar pride by ordering one today.
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Jessie Sun, a visiting student from New Zealand and based at the University of Melbourne (now) wrote term paper in Penn's Religious Studies course "Introduction to Buddhism." She submitted her paper for publication with a major scholarly journal in the field and it was just published. You can access it here:
http://www.tandfonline.com/doi/abs/10.1080/14639947.2014.978088 (see attached)
Check out the latest on the Penn Ghost Project's research:
Prof. Steven Weitzman joins our department as Abraham M. Ellis Professor of Hebrew and Semitic Languages and Literatures, and he is also the new Ella Darivoff Director of the Katz Center of Advanced Judaic Studies.
"What started out as a summer volunteer project and a journey to Thailand to learn about Buddhism may lead to a career choice for University of Pennsylvania student James An." [Read more]


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A Thistle Hotel near Leicester Square in London
Click below to view the full virtual tour of Thistle Piccadilly hotel
Virtually overlooking Leicester Square, the contemporary and recently refurbished Thistle Piccadilly hotel has an authentic Victorian exterior that states its presence as a West End hotel located in the heart of theatre land. Trafalgar Square, Leicester Square, Fortnum & Mason and the National Gallery are all within a short stroll, as well as the quintessential landmark, Piccadilly Circus.
NCP car parking is available nearby at an additional charge - but with all of London's major landmarks plus Covent Garden, Soho and Oxford and Regent's Street all within easy walking distance, getting to and from the hotel could not be easier.
All 82 bedrooms, including deluxe, executive and junior Suite have been newly-refurbished. And when you're looking for a brief respite, the House Lounge Bar and Restaurant is the ideal venue to get away from the crowds and enjoy a relaxing drink or evening meal in comfort.
Thistle Piccadilly hotel, London at a glance:
• Quiet and refined, yet just a stone's-throw from Piccadilly Circus, and is a short walk away from Soho & Covent Garden
• 82 newly refurbished bedrooms
• Newly refurbished House Lounge Bar and Restaurant.
• Meeting and event roomsavailable at other Thistle hotels nearby


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- Dec 11:
- Novato bank robbery suspect shot in San Rafael as police pursue link to serial case
- Dec 5:
- Mill Valley bank robbery suspect arrested upon exit from bank
- Nov 18:
- Marin DA files charges against alleged San Rafael bank robber, accessories
- Nov 16:
- San Rafael police arrest three suspects in Terra Linda bank robbery
- Nov 15:
- San Rafael police seek robber of Citibank in Terra Linda
- Sep 4:
- San Rafael credit union robbed by bandit in earflaps as crime streak continues
- Aug 22:
- Corte Madera bank robbery seen as new strike by hatted bandit
- Jul 17:
- Corte Madera bank robbed in apparent sequel by bandit in Mill Valley, Greenbrae
- May 3:
- DA adds Mill Valley heist to charges against Novato bank robbery suspect
- Apr 27:
- Bon Air shopping center evacuated after bank robbery, bomb threat
- Apr 3:
- Novato bank robbery suspects arraigned, denied lower bail
- Mar 16:
- Suspect linked to Marin bank heist
- Mar 13:
- Mill Valley bank robbed, possibly by serial bandit who struck in Novato
- Feb 20:
- San Rafael bank robbery suspect charged with robbing different bank after posting bail
- Jan 27:
- Video: San Rafael police release footage of bank robbery
- Jan 23:
- Bank robber sought in Mill Valley as investigators seek link to Greenbrae case
- Mar 31:
- Greenbrae, Mill Valley bank heists seen as new strikes by Novato robber
Novato police are investigating a bank robbery Wednesday in Ignacio.
The robbery occurred around 5 p.m. inside the Bank of Marin branch at 368 Ignacio Blvd., said police Lt. John McCarthy. The robber showed the teller a demand note without displaying a weapon, and the employee handed over cash.
Police arrived at the bank in about a minute and searched the area extensively but did not find a suspect. The amount of stolen money was not disclosed.
The man was described as white, thin, clean shaven and in his early 20s, with freckles and short light hair, said Novato police Sgt. Mike Howard. The robber was about 5 feet, 6 inches to 5 feet, 8 inches tall and was wearing a plaid flannel jacket and a black San Francisco Giants cap.
Witnesses did not know whether he left the area in a car.
Anyone with information about the second suspect can call Novato police at 897-4361 or Bay Area Crime Stoppers at 800-222-8477. Crime Stoppers is a multilingual line, and tipsters can be eligible for a cash reward.
Contact Gary Klien via email at email@example.com


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Sure, most actors and actresses are good looking, but can they act? In the case of these Oscar nominees/winners, the answer is a definite yes.
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Fisheye Xpro Shots on Ipoh Lomotrip 2012
Taken by quaisoir with a Lomography Fisheye No. 2 Pink (available in our Online Shop) loaded with Lomography X-Pro Chrome 100 film in Ipoh, Perak, Malaysia. These tags describe this photo: lomofriends, lomotrip, ipoh, and malaysia. Date: 2012-06. Time: Afternoon. This photo can also be found in the album Lomotrippin Ipoh 2012 Fisheye Xpro Shots.Please login to get more out of this site
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text: Sudan Khartoum, the capital of Sudan, is situated at the confluence of the Blue and White Niles. Among the tourist attractions here are the Omdurman camel market, the Arab souk and the National Museum. The main areas of archaeological interest include Bajrawiya, Naga and Meroe. Sudan is bordered by Egypt, the Red Sea, Ethiopia, Eritrea, Kenya, Uganda, the Democratic Republic of Congo, the Central African Republic, Chad and Libya. The city proper has a population of well over a million inhabitants, making it the second largest city in the country, but forms with its neighbors, joined by bridges, Khartoum North (al-Khartûm Bahrî) and Omdurman (Umm Durmân) a metropolis totalling probably over four million.Juba is a city in Sudan, the regional capital of Southern Sudan and the capital of the Sudanese state of Central Equatoria.