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Portfolio Rebalancing: Observations From 25 Years of Data
by Charles Rotblut, CFA
I now have 25 years of data on rebalancing.
Using Vanguard mutual funds that are available to all individual investors, I have tracked the performance of hypothetical portfolios following AAII's moderate asset allocation model that could have easily been replicated by individual investors. The results show that rebalancing lowered the level of volatility. At the same time, the risk-reduction strategy enhanced returns, which is a reflection of the last two bear markets and the positive role rebalancing played.
In this article, I review the updated numbers. (No rebalancing was required at the end of 2012.) I also point out an important consideration for retirees holding one fund with comparatively lower long-term rates of return relative to the other funds in their portfolio. Finally, I discuss alternatives and options as well as explain how to rebalance within a specific asset class, such as stocks.
In this article
- A Primer on Rebalancing
- Two Replicable Rebalancing Models
- 25 Years of Return Data
- How Have You Reacted to Bear Markets?
- How to Rebalance
- Rebalancing Within Asset Classes
- Alternatives to Rebalancing
- The Optimal Strategy
Share this article
As you review the data and my observations, I want you to look at rebalancing from the context of behavioral finance. Rebalancing is a strategy designed to maintain your long-term portfolio allocations. Unlike strategies designed to maximize your performance, rebalancing strikes a balance between risk and return. Its success comes from both alerting you to buy low and sell high and giving you a strategy for coping with whatever the market throws at you.
A Primer on Rebalancing
As some of you may recall from my article last year, "Portfolio Rebalancing: Diversification, Risk Control and Withdrawals" (March 2012 AAII Journal), rebalancing is the process of shifting your portfolio dollars out of asset classes that are overweighted and into asset classes that are underweighted, according to your personal goals and tolerance for risk. It is a strategy that complements diversification by ensuring that your portfolio does not stray too far from your allocation targets.
Here is a simple example I like to use when discussing rebalancing. Let's say a portfolio is evenly split between large-cap stocks and long-term Treasury bonds (a 50% allocation to each asset class). After one year, volatile market conditions send stock prices lower and bond prices higher. As a result, the portfolio's allocation shifts from 50% stocks and 50% bonds to 44% stocks and 56% bonds. Rebalancing would move 6% of the portfolio's dollars out of bonds (lowering the allocation from 56% to 50%) and into stocks (raising the allocation from 44% to 50%), returning the portfolio to its target allocations.
This process preserves the benefits of diversification, as long-term data from the Ibbotson SBBI Classic Yearbook (Morningstar, 2012) demonstrates. A portfolio that started with the simple allocation of 50% large-cap stocks and 50% long-term government bonds that was never rebalanced eventually evolved into nearly an all-stock portfolio. Over the period of 1926 to 2011, the allocation for such a portfolio evolved to 96.3% stocks and 3.7% bonds. Worse yet, the portfolio became nearly 40% more volatile than it would have been if it had been rebalanced on an annual basis.
Even though the study was conducted over a very long period (1926 to 2011), the lesson is clear: The benefits of diversification will be limited if an investor does not rebalance on a regular basis. Rather, risk will increase, even though a big reason for diversifying is to reduce risk. To put things bluntly, if you think diversification is important, you should also think rebalancing is important. Without periodic rebalancing, diversification fails.
To read more, please become an AAII Registered User or CLICK HERE.
Janette Andrews from MI posted over 3 years ago:
Thanks for the portfolio allocation suggestions. Gotta start there before figuring out the rebalancing.
H Mercer from TX posted over 3 years ago:
Yes, yes, yes. And to think if you had been so dumb as to put your entire $100K in the S&P 500 (VFINX), your final result would be ................lets see 5 times $196846 , that would come to $984230 and you could have slept through the whole 25 years. Much less "fun" however.
C Robinson from VA posted over 3 years ago:
I expect the following has already been spotted, but in case it has not: Table 4 has errors in 1995 and 1996; do not add to 100%. Table 3 implies the error is not accounting for VTRIX at time of rebalance.
Mark Henwood from CA posted over 3 years ago:
If the portfolio is taxable what effect does reblancing have?
Chris Carter from CA posted over 3 years ago:
Nice little summary reconfirming one of the most basic, fundamental concepts of portfolio management.
Personally, rather than beat the above "dead horse", I would have liked to see him explore the effects of different rebalance strategies (for ex., "oportunistic rebalancing") and rebalancing effects on non-qualified accounts.
Edward Curtis from FL posted over 3 years ago:
I would like to see the results at higher withdrawal rates. I suspect that the results would be much more dramatic.
Charles Rotblut from IL posted over 3 years ago:
Thanks for the comments. A few responses.
H Mercer - $100k in the VFINX would have increased to $984,229 versus $907,694 for the rebalanced, non-withdrawal portfolio. But, you would have had more volatility, so there was a trade-off.
C Robinson - Two cells with the allocation percentages were accidentally not copied over to Table 4. We've corrected the mistake.
Mark - You will incur taxes when you transact in a taxable account. The 5%, or even a 10%, range will reduce the number of transactions. You can also use your IRAs to help reduce the brunt of the tax implications of rebalancing. But, if you don't rebalance because of tax reasons, you have to be sure that you can withstand the volatility of the markets.
Edward - I'm using the data for May article on the mechanics of making retirement withdrawals from a fund portfolio. The article adjusts the 4% rate for inflation and discusses the implications of using a higher withdrawal rate. I need to rerun the numbers before saying anything about them, but I think you will find it to be of interest.
R Curry from CA posted over 3 years ago:
I thought the 4% rule of thumb applied to the initial portfolio balance. From then on, it is that dollar amount adjusted for inflation, not 4% of the year-end balance.
If a portfolio's initial balance is $100,000, the first withdrawal is $4,000. From then on the withdrawals are $4,000 adjusted for inflation.
Victor Shames from CA posted over 3 years ago:
I found this article most interesting. Please give me an example of how you made the calculation of year end value of a fund. For example how does VFINX go from $70811 to $78385 between 2011 and 2012.
Charles Rotblut from IL posted over 3 years ago:
Hi Victor,
VFINX realized a 15.82% return in 2012, so for the non-rebalanced version of the 4% withdrawal portfolio, the math is the fund's gain less the annual withdrawal.
Herb Kuntz from California posted over 3 years ago:
I read several of the articles in the Journal & the above comments on re-balancing. I find the tax implications to be most meaningful. Tables 2 & 3 do not account for taxes on re-balancing. In CA, in the low tax bracket ~25% of any gain is lost to taxes & in the highest bracket it may be as much as 35% (who knows what it really might be...). That gives an edge to the no re-balance portfolio. In addition, one could re-balance by taking $ only out of the highest gainers, resolving the international fund depletion.
adam from MASS posted over 3 years ago:
It would be useful to have an article written about using basic technical indicators to refine decisions about when to perform rebalancing. We are in an era when moving averages, bollinger band graphing and other technical manipulations are readily available on-line (I use Yahoo finance for this.) While no one can perfectly time the market, some consideration of techical indicators may enhance return by possibly keeping wining investments longer, and delaying purchase of underperforming assets closer to their nadir. Thanks
Kim from Pennsylvania posted over 3 years ago:
Awesome data. I printed it out to assist me in staying on target. This will be filed under investment ideas, which I read through periodically to help me stay the course.
Jane G from California. posted over 3 years ago:
70% equity allocation seems aggressive for retirees, not moderate. I would like to see the numbers for a 30%,
40%, and 50% equity allocation and see if the 4% rule still holds.
Kelvin from Alberta posted over 3 years ago:
Extending what R.Curry posted above, and in consideration of the subsequent article in the May issue, "Taking Retirement Withdrawals from a Fund Portfolio", I see there has are two variations of the withdrawal method presented but not discussed.
In the April issue, the 4% withdrawal was taken simply as 4% of the year-end portfolio balance.
- Total Withdrawals: $242,642
- End Portfolio Value: $329,165*
In the May issue, the same portfolio was presented but using withdrawals based on an initial 4% adjusted for inflation.
- Total Withdrawals: $305,304
- End Portfolio Value: $203,767*
A conventional "4% adjusted for inflation" would start with 4% ($4,000 in 1988) and then adjust the actual withdrawal (not the percentage) by inflation over time.
How would this portfolio ($100k, Rebalanced, Non Pro Rata) perform over the same time frame in comparison to the other two I wonder?
As a final check-point, I calculate the total COLA adjustment for the period 1988 to 2013 to be 2.0416. This implies that the original $100k portfolio (1988) has a current value of approx. $204k. This number is similar to the May issue final value (also $204k) implying that the hypothetical retiree was able to live for 25 years on his savings without diminishing the value of his portfolio. Not to mention that the 4% rate was, in fact, survivable!
Charles Rotblut from IL posted over 3 years ago:
You will find updated numbers in this addendum:


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A 4-foot crocodile was abandoned outside a reptile business in Roseville, Calif., on Wednesday morning, and somehow managed to escape its container, wandering around a strip mall.
Abandoned crocodile lassoed in strip mall
Published On: Apr 10 2014 02:57:01 AM HST Updated On: Apr 30 2014 08:49:40 AM HST
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subset: commoncrawl


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The world is ending
. Jack Nicholson was at a Clippers game. Must have been the heat here to cause him to do that.
Or to show support amidst all this Sterling fucking bullshit? Dunno.ReplyCancel
So? Spike Lee was at the last Nets game. At least Jack was in his usual arena. He probably had no clue though.ReplyCancel
Isn't he a mainstay at most LA sporting events?ReplyCancel
Guy has to do something between the coke getting dropped off and the whores showing up.ReplyCancel
Well, he did look confused as shite. Also ancient. Good game, but I really expected more of Chris Paul after that blown foul call last gameReplyCancel
Hi unknown!ReplyCancel
Hi Hall Monitor!ReplyCancel
LOL people don't forget!ReplyCancel
Woo hoo! Alt Party in Off Topic! Bring all your friends!ReplyCancel
I wanted to bring up Book Club, good time or maybe should I move on over to Lame Video Post?ReplyCancel
He just went so he could plaaaayyy with some girls, u know, get in their…..well, have sex with them. He caught wind of the easy V.ReplyCancel
Seven is bringing slurpee cups, right??
Also, seriously, Jack looked lost. And totally confused. He may not have been told the Lakers suck right nowReplyCancel
I have a 6pk, a doobie and a comfortable lap if anyone would like to sit and watch with me. If there is tension already, Randoms 5 should be rocking by the tail emd of Happy Hour.ReplyCancel
I'll help ya take care of that doob.ReplyCancel
High five, hairydawgReplyCancel
Blue on the left, red on the right.
If you're of age, you want to imbibe with the WWE cups. They've got the good stuff. 😀ReplyCancel
You need BreatheRite nose strips, Becks! Howzit going?ReplyCancel
Good, thank you, Becks!ReplyCancel
Completely unrelated – this article's descriptions of banned GM words just had me rolling with lols XDReplyCancel
Too bad the Ducks lost, I'd love to see a team that hasn't won the Stanley Cup win it. But now all the teams have so go Habs go. The Canadiens played like total crap for half a season much like the Leafs but they got their stuff together and are playing almost like the Habs of old.ReplyCancel


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GS212- The Practices of Development (.5)
This course surveys the practice of development in a number of countries and around the world. While the focus will be primarily on Latin America, Asia and/or Africa, parallels and connections will also be drawn with the North, including Canada. Students will be asked to evaluate critically what has been attempted in the name of development. Specific examples may range fro the colonial era to the present, so as to demonstrate how development and related practices have changed over time.
PREREQUISITE: GS100, GS101, or GS102, or permission of the co-coordinator.
|Related Information
|GS212 Course Outline W08


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At any given time there's some meme flooding the Internet, forcing you to pay attention to a dog that talks like it's a racist Asian stereotype or whatever the kids are into these days. Most of these obsessions fade away eventually, with no harm done aside from people wasting money on T-shirts that will end up in the "free" bin at a garage sale three months later. But the following four fads are exceptions -- they show no signs of slowing down, and they must be stopped before they damage the Internet and reality.
4 Zombies
In a display of irony that would be admirable and poetic if it wasn't annoying as hell, zombies are threatening to devour pop culture as we know it. The Walking Dead is pulling in record numbers, and I'm pretty sure it's federal law that 90 percent of video games must contain zombies as an enemy. The Centers for Disease Control and Prevention is even using zombies to get people to prepare for real emergencies, which hopefully won't backfire when a tornado hits and everyone's first reaction is to grab their shotgun and drive into the countryside.
Amateurs. They should avoid tornadoes on an island.
Like anything else that's popular, zombies have become big business. There's the usual assortment of shirts, posters, coffee mugs, and car decals, along with some ... niche products.
"Contains more zombie genitalia than most books!"
"What would it be like to screw a zombie?" the product description asks us. "Would it be dry or slippery with pus? Ah, well those are the questions up for debate, aren't they?" No, they weren't before you brought them up, you dogshit maniac. You put those questions up for debate; don't make me your accomplice. No one wants to mesh zombies with sex. I mean, what's next -- a zombie Fleshlight or dildo?
Outsmarted by my own rhetorical device again.
Now that Big Zombie Sex is raking in the cash, it won't want to stop the pus train from flowing. There's an economic incentive to keep zombies popular, which is why we've gone from talking about how much we love zombies to companies that sell zombie merchandise constantly reminding us of how much we love zombies. That's what brought us ThinkGeek's "Zombies and Bacon" section, and then there's the Zombie Apocalypse Store, and Zombie Mart, and God knows how many more websites selling junk like "Indiana Bones."
Neato Shop
Apparently slapping zombies onto things that aren't zombies is an act of artistic ingenuity worth 20 bucks.
All of this would be tolerable if zombies weren't so dreadfully boring now. They've become a monster to lazily slap into a story in lieu of going through the effort of creating something original, like the Adam Sandler of villains. Searching for "zombie" on Steam gave me 89 games, searching at GameFAQs gave me about 500 titles, and Metacritic maxed out the result at 1,000. And that's just counting games that were uncreative enough to put "zombie" in the title.
I'm focusing on games because they're the worst offenders. Zombies are an excuse to give your game terrible AI, because they're dumb by nature. But that makes them boring, unthreatening villains -- they're mindless drones to be gunned down, a novelty that wears off fast. It's reached the point where I'm actively avoiding pop culture I might otherwise enjoy because they contain zombies, and I'm not alone. Can we try to make mummies cool, or something?
3 Bacon
Brent Hofacker/iStock/Getty Images
The Internet's love of bacon was a briefly amusing fad that's been forced to live on for years past its expiration date in order to sell merchandise. Bacon fans can buy everything from bacon bandages and bacon soap to bacon lube and bacon condoms so they can literally pork their lovers. "Bacon Condoms Could Be the Best Thing to Happen to Your Hog, Ever," we're told, in an act of yellow journalism not seen since coverage of the USS Maine.
J&D's Foods
The guy who wrote "make your meat look like meat" paid a fortune for advertising school. Life's really sad most of the time.
But bacon's popularity also has a real-world problem, in that bacon is terrible for you. It's a fatty, greasy, salty processed meat that raises your cholesterol. Bacon's fine in small doses as a treat, like chocolate or heroin. But the idea of "small" to the bacon-obsessed is to crumble it into ice cream sundaes for dessert after you have your deep-fried bacon and gravy, or your cheesy bacon rolls, or your turducken wrapped in bacon so you can eat an entire farm's worth of animals in a single meal. And then, God help us all, there's the bacon explosion.
Many pigs died to bring us this information.
The culinary atrocity you're looking at is sausage mixed with crumbled bacon that's been wrapped in a blanket of bacon and slathered in barbecue sauce, and yes, it's perfectly normal to have heart palpitations just from reading the description. At the risk of sounding like a culinary snob, I do not want to eat an explosion. Explosions are for calmly walking away from like a badass, which is appropriate, because if you ever see this thing on a dinner plate, you should slowly get away from it.
Look, bacon is tasty. I get it. But you know what else is tasty? Many, many other foods. Bacon is rapidly on its way to becoming the Borat impression of foods, and if we're not careful, this oversaturation is going to make us hate bacon. Is that a world YOU want to live in?


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Phillies Smurfs Off-Season Adventure
Turns out, I am not the only one around here who is counting the days until Spring Training. The lack of newsworthy events and baseball activities are simply mind-numbing. J-Roll Smurf and Chutley Smurf have been as bored as the rest of us. With the big news in Phillies land this week being Carlos Ruiz deciding to join Team Panama for the World Baseball Classic, poor J-Roll Smurf thought maybe he'd pass the time surfing the net, or maybe reading a mildly entertaining book:
Could Ryan Howard bring us all out of our slumber and actually agree to a contract this week? Noooooo… So, J-Roll Smurf was off to raid the fridge and then decided to call over a few friends for a party:
But the only one to show up was Chutley Smurf, as everyone else was already asleep. J-Roll Smurf tried to show Chutley Smurf some photos from the World Series Trophy tour, but you all know what a trouble maker Chutley Smurf is. All he wanted to do was ride his motorcycle through the living room and raid the cookie jar:
J-Roll Smurf began telling stories about his idol, Jimmy Rollins, and how he stopped by a YMCA on Friday to talk with local children; but all Chutley Smurf did was steal a bottle of my best Soprano's wine and snort a few lines!
All that partying got the best of these Smurf buddies and things went awry from there. Frankly, I did not see this next one coming, and neither did the poor cats:
Hours passed, still without arbitration news or the swing of a bat…what is a Smurf to do? Well, after all the booze and happy candy, I can tell you what they did next:
Ahhhhhh….and now for some much needed sleep. zzzzzzzzzzzzzzzzzzzzzzzzzzzzzzz
Read more about the Phillies at MY OTHER HOME PAGE! Phillies Phollowers has joined forces with Phightin' Phils Phorum! Please check out our site and bookmark it.
And for the football fans, I have also started a Miami Dolphins page, The Dolphin Pod! All Dol-Fans, and anyone else who wants to say hello is welcome!
Remember also to check out our homepage My Team Rivals and our Phillies, Flyers, Eagles, Billy Penn Curse, Reinstate Pete Rose, Phillies Mets Rivalry, Phillies Marlins Rivalry, and Phillies Braves Rivalry pages!
7 Comments
Thank was very funny Jenn! I liked the Friendly's Ice Cream! And do try to keep your smurfs out of trouble!
You are one Smurf queen. I forgot about Ryan Howard still not being signed. He's almost as much of a soap opera as Pettitte and Varitek.
I just followed the rabbit down the rabbit hole and I'm very, very scared.
Great story/adventure with the smurfs! I hope this arbitration deal gets solved quickly. I didn't know you were a Dolphins fan– I don't really follow football myself, but I live about an hour south of the stadium. The Marlins play there also, so it's not that nice of a baseball field.
Yeah I know…been to Dolphins stadium many times…seen football and baseball there…the BB field is scary bad. Hope they get a new stadium soon! I LOVE south Florida! I go like twice a year if I can. Scuba, play with Flipper, etc… :O) Fun!
Jenn – Congrats on the #24 ranking on the latest Leader's List!
Hey Jenn! You better not let Chutley Smurf and Michael Phelps ever get together, Lord knows what trouble they'd get into!


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"Your radio show changed my life. As a result of listening, I converted to Catholicism at 53 years old. I was a very active Protestant my whole life before becoming a Catholic. Keep up the terrific work!"
~ Connie
Q&A Newsletter
"Let us then not be ashamed to confess the Crucified. Be the cross our seal, made with boldness by our fingers on our brow and in everything; over the bread we eat and the cups we drink, in our comings and in goings out; before our sleep, when we lie down and when we awake; when we are travelling, and when we are at rest."
~ St. Cyril of Jerusalem in his "Catecheses" (xiii, 36), on the sign of the cross, a practice familiar to Christians in the second century and which had passed into a gesture of benediction by the fourth century, as many quotations from the Fathers show


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Internationally recognized as a leader in the in vitro testing (alternatives to animal testing) field, IIVS couples rigorous scientific and compliance programs with education and outreach initiatives to promote the use and acceptance of these methods worldwide. IIVS is proud to be supported by our generous contributors whose principles and objectives align with ours. Their support is fundamental to the success of our Educational and Outreach programs.
We invite you to explore this website to learn more about in vitro testing and contact us with any questions or comments. There are several ways to stay connected with in vitro toxicology news such as our complimentary webinar program, e-newsletter or social media channels.


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December 2013 DI Men's Basketball Latest News
All Archives
All December 2013 Archives
- December
- No. 5 Michigan State has second-half rally to defeat Penn State 79-63
- Former Iowa State, Michigan head coach Johnny Orr dies at 86
- Three Jayhawks score at least 20 as KU beats previously unbeaten Toledo
- Arizona retains top spot in Associated Press poll for fourth consecutive week
- No. 14 Louisville dismisses Chane Behanan from team on Monday
- How long will the Unscathed Eight last?
- Oregon gets by Morgan St. in another shootout; Wichita St. stays perfect
- Syracuse overcomes 18-point first-half hole, hands Villanova first loss 78-62
- College Basketball on TV: Week 9
- Ohio State tops Louisiana-Monroe by 40, three Buckeyes in double digits
- Big East hopes to overcome non-conference schedule struggle
- Michigan forward Mitch McGary out indefinitely following surgery on back
- Happy New Year
- Wichita State joins top 10 of Associated Press Poll for first time since 2006
- Josh Oglesby scores 13 in season debut as No. 25 Iowa handles Ark.-Pine Bluff
- North Carolina survives Davidson's upset bid with 97-85 win in overtime
- College Basketball on TV: Week 8
- Out of the darkness
- Back from broken foot, No. 25 Iowa ready for return of Josh Oglesby
- North Carolina will not seek reinstatement for P.J. Hairston
1 of 4 Next


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Good Night with the Sleep Doctor DVD
The Music Instinct: Science and Song DVD
NOVA: What Are Dreams? DVD
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What are dreams and why do we have them? NOVA joins the leading dream researchers as they embark on a variety of neurological and psychological experiments to investigate the world of sleep and dreams. Delving deep into the thoughts and brains of a variety of dreamers, scientists are asking important questions about the purpose of this mysterious world we escape to at night.More >
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Visiting Lecturer in Spanish
B.A Literature and Linguistics (Universidad Complutense de Madrid)
PhD. (ABD) Latin American Literature (Universidad Complutense de Madrid)
Following her undergraduate and postgraduate thesis "El ensayo en Colombia: Germán Arciniegas" and "Tres escritoras del Caribe hispano: ensayo y educación", María Báez's dissertation examines writings by women in Latin America on education in the 19th and 2Oth Centuries. She has also taken postgraduate courses in Library Studies and Spanish and Latin American Children Literature.
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Please use this identifier to cite or link to this item: http://hdl.handle.net/1959.3/82386
|Download PDF (Accepted manuscript) (Adobe Acrobat PDF, 430 KB)
- Title
- Status update of the Parkes pulsar timing array
- Author(s)
- Verbiest, J. P. W.; Bailes, M.; Bhat, N. D. R.; Burke-Spolaor, S.; Champion, D. J.; Coles, W.; Hobbs, G. B.; Hotan, A. W.; Jenet, F.; Khoo, J.; Lee, K. J.; Lommen, A.; Manchester, R. N.; Oslowski, S.; Reynolds, J.; Sarkissian, J.; van Straten, W.; Yardley, D. R. B.; You, X. P.
- Abstract
- The Parkes Pulsar Timing Array project aims to make a direct detection of a gravitational wave background through the timing of millisecond pulsars. In this paper, the main requirements for that endeavour are described and recent and ongoing progress is outlined. We demonstrate that the timing properties of millisecond pulsars are adequate and that technological progress is timely to expect a successful detection of gravitational waves within a decade, or alternatively to rule out all current predictions for gravitational wave backgrounds formed by supermassive black-hole mergers.
- Publication type
- Journal article
- Research centre
- Swinburne University of Technology. Faculty of Information and Communication Technologies. Centre for Astrophysics and Supercomputing
- Source
- Classical and Quantum Gravity, Vol. 27, no. 8 (2010), article no. 084015
- Publication year
- 2010
- FOR Code(s)
- 0105 Mathematical Physics; 0202 Atomic, Molecular, Nuclear, Particle and Plasma Physics; 0206 Quantum Physics
- Keyword(s)
- Gravitational waves; Hardware development; Parkes Pulsar Timing Array; Pulsar timing; Pulsars; Software development
- Publisher
- Institute of Physics Publishing
- 0264-9381
- Publisher URL
- Copyright
- Copyright © 2010 IOP Publishing Ltd. The accepted manuscript of the paper is reproduced here in accordance with the copyright policy of the publisher.
- Additional information
- The Parkes Observatory is part of the Australia Telescope which is funded by the Commonwealth of Australia for operation as a National Facility managed by CSIRO. The authors acknowledges support from a WVEPSCoR research challenge grant held by the WVU Center for Astrophysics.
- Full text
- Peer reviewed


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Deeplinks Blog posts about Coders' Rights Project
After days of anticipation, EFF's "Encryption is Key" t-shirt for DEF CON 21 has been solved! DEF CON holds a special place in our hearts as one of the premier hacking conferences in the US, so for the past few years we have created special member t-shirts to honor the creative spirit of the infosec community. We started with "Things to Hack" at DC18, "Encryption Saves" at DC19, and our robot-pwning "Script Kitty" at DC20.
Speculation Trumps Academic Freedom: UK Court Censors Security Researchers for Reverse Engineering Publicly Available Software
Next week, one of the most respected security research conferences in the world, the USENIX Security Symposium, will be held in Washington D.C. Thanks to a gag order from a British court, however, it won't go quite as planned. The order forbids the authors of a paper describing fundamental flaws in car lock systems from discussing key aspects of the work, based on nothing more than speculation about a third party's alleged "misuse of confidential information."
Bradley Manning was convicted (PDF) on 19 counts today, including charges under the Espionage Act and the Computer Fraud and Abuse Act for leaking approximately 700,000 government documents to WikiLeaks. While it was a relief that he was not convicted of the worst charge "aiding the enemy," the verdict remains deeply troubling and could potentially result in a sentence of life in prison. The sentencing phase starts tomorrow, and a fuller legal opinion from the judge should also come soon.
We will likely have a deeper analysis of the verdict later, but two things stand out as particularly relevant to—and especially frightening for—folks who love the Internet and use digital tools.
EFF is heading to fabulous Las Vegas this week for the summer security conferences: Black Hat USA, Security B-Sides Las Vegas and DEF CON. We're excited to see everyone there!
Come by the EFF booth to learn about our latest work, renew your membership, check out the new t-shirts or just to say hello.
- Black Hat Briefings (Caesar's Palace): Open Wednesday, July 31 to Thursday, August 1.
- BSidesLV (Tuscany): Open Wednesday, July 31 to Thursday, Aug 1.
- DEF CON (Rio): Two booth locations (vendor area and contests!) open Friday, August 2 to Sunday, August 4.
As Andrew "Weev" Auernheimer finishes his third month in a federal penitentiary, we filed our appeal of the computer researcher's conviction and 41-month prison sentence for violating the Computer Fraud and Abuse Act (CFAA) and identity theft statute on Monday.
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Deeplinks Topics
- Fair Use and Intellectual Property: Defending the Balance
- Free Speech
- Innovation
- UK Investigatory Powers Bill
- International
- Know Your Rights
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- Trade Agreements and Digital Rights
- Security
- State-Sponsored Malware
- Abortion Reporting
- Analog Hole
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- Coders' Rights Project
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Creamy Chicken and Noodles
- Prep Time: 15 min
- Cook Time: 30 min
- Ready Time: 45 min
- Yield: 4 servings
- 4 boneless, skinless chicken breast halves
- 2 tablespoons Crisco® Pure Vegetable Oil
- 2 cups egg noodles, cooked according to package directions, drained
- 1/4 cup Pillsbury BEST™ All Purpose Flour
- 1 cup milk
- 2 cups cut-up fresh vegetables or frozen vegetables, cooked until crisp tender
- 1/2 cup chicken broth
- 1/2 cup grated Parmesan cheese
- 1 tablespoon chopped parsley
- 1/4 teaspoon salt
- 1/8 to 1/4 teaspoons pepper
Preparation Directions
- HEAT oil in large skillet over medium heat. Add chicken. Cook a few minutes to brown, turn over and reduce heat to medium-low. Cook until internal temperature reaches 165°F. Remove from skillet. Cut into bite-size pieces. Remove skillet from heat.
- STIR flour into drippings in skillet. Stir in milk. Cook and stir over medium-high heat until mixture begins to thicken.
- STIR in vegetables, chicken broth, cheese, parsley, salt, pepper and chicken. Cook a few minutes longer until vegetables are desired consistency. Combine with noodles. Serve.
Nutritional Information Per Serving
Serving Size (1/4 of recipe), Calories 430 (Calories from Fat 140), Total Fat 16g (Saturated Fat 4g, Trans Fat 0g), Cholesterol 110mg, Sodium 550mg, Total Carbohydrate 34g (Dietary Fiber 2g, Sugars 6g), Protein 36g; Percent Daily Value*: Vitamin A 60%, Vitamin C 10%, Calcium 20%, Iron 15%.
*Percent Daily Values are based on a 2,000 calorie diet.
* Ensure all recipe ingredients are gluten free by referencing the ingredient labels, as products may vary. If uncertain, contact the ingredient manufacturer.


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Course Design Group - Preparing a syllabus or the creation of a new course happens throughout the academic year. Consider taking part in a course design group. This involves a small number of faculty (typically 4 per group). A four person group meets four times, for about two hours per meeting. During each meeting, the group discusses each participant's course - with group members responding to the questions/topics that most interest the person who is designing the course. The result is a draft of a new course or a revised course. Great way to prepare for the term ahead. Click here for more information on each of the four sessions.
Assessment Design Group - This is a four session experience to rethink or create assessment strategies that allow you to better evaluate how well your students are gaining and applying knowledge in a course you teach or will be teaching. The format of the experience involves group conversation around specifics of your course and individualized one-on-one conversations. Each of these approaches results in sharing and gaining ideas from the group and tailoring your assessment strategies to better meet the goals/objectives of your course.
Faculty Round Table - Join in a discussion around a topic related to teaching and learning. A panel of faculty shares their implementation of the topic in their courses. These round tables are enhanced by discussions engendered by the presentations. Ideas for topics are suggested by campus faculty.
Book Discussion - Participate in a book discussion. The number of sessions is determined by the book and the facilitator. Typically these have been two one-hour discussions. Book suggestions come from faculty.
Consultation - the Center works with faculty from all divisions to improve teaching and student learning. The consultation services at the Center are confidential. Topics that can be address include such things as course planning and design, effective teaching methods, and assessment of student learning.


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Built with the quality that Megabass is known for, the Megabass XS Limber Lamber delivers a graceful S-shaped action and a strong kick-turn that big bass love. Constructed entirely by hand, the Megabass XS Limber Lamber features a soft plastic tail, razor-sharp treble hooks, and a durable jointed connection that is capable of handling abuse from the largest fish. Measuring in at 6-1/4-inches in length, the Megabass XS Limber Lamber possesses an unmatched anatomical correctness, including intricate scaling, etched gill plates, and 3D eyes. A must-have for any serious swimbait enthusiast, the Megabass XS Limber Lamber is exactly what you would expect from a swimbait made by Megabass.
|XS Limber Lamber
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Customer Reviews
Comments: great glide bait, have had mine for months now (ordered mine from jdm site). It had proved itself well.has great action,I've been getting most hits when I just kill it and let it go bottom then twitch n kill and they hammer it. Nothing huge on it yet few 5lb'ers but I also don't throw it alot. Worth the price though...common it's megabass,what else could u ask for???
From: Steveo


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Rehabilitation Engineering Research Centers
NIDILRR Now Part of HHS
Program Office: National Institute on Disability, Independent Living, and Rehabilitation Research (NIDILRR)
CFDA Number: 84.133E
Program Type: Formula Grants, Discretionary/Competitive Grants
Also Known As: RERCs
Program Description
Rehabilitation Engineering Research Centers (RERCs) conduct programs of advanced research of an engineering or technical nature designed to apply advanced technology, scientific achievement, and psychological and social knowledge to solve rehabilitation problems and remove environmental barriers.
RERCs work at the individual level focusing on technology to benefit those affected by sensory loss, mobility impairment, or communication difficulties. They also work at the systems level to eliminate barriers such as those found in telecommunications and the built environment. Each center is affiliated with a rehabilitation setting, which provides an environment for cooperative research and the transfer of rehabilitation technologies into rehabilitation practice.
RERCs also develop systems for the exchange of technical and engineering information worldwide and improve the distribution of technological devices and equipment to individuals with disabilities.
NIDILRR supported rehabilitation engineering research centers have led to advances in assistive technology products and rehabilitation services. Furthermore, a number of RERCs have played major roles in developing voluntary standards that industry uses when developing wheelchairs, seating systems, prosthetics and orthotics, universal design applications and Web accessibility.
A quick list of some of the most recent products developed by RERCs:
- Accessible Kiosks, Voting Booths and ATM Machines
Universally accessible so that all individuals, regardless of their functional abilities or sensory loss, can safely and independently access information, cast ballots, and navigate screens.
- Talking Signs
Provides a universal remotely readable signage system of particular benefit to the blind community. The system uses infrared transmitters placed at sign locations, programmed with the desired "sign" messages. The user receives the verbal signage information on his/her receiver.
- Direct Ultrasound Ranging System
A new measurement instrument that was designed to assist prosthetists and orthotists with improved management of their clients and with documentation of functional outcomes and rehabilitation progress. The DURS enables clinicians to evaluate walking function through measurement of the forward motion including symmetry of gait, instantaneous walking velocity, fluctuation of forward velocity, average walking speed, cadence, step lengths and step times.
- Hand-Held Hearing Screening Device
A highly cost effective device that is used to screen for hearing loss in newborns, infants, young children and other difficult to test people. Advantages of this system include high accuracy, portability, ease of use, convenience for field testing, speed of testing (1 to 2 minutes per test), and resistance to interference from ambient noise.
To view contact information and abstracts for newly or currently funded Rehabilitation Engineering Research Centers, click here
Note: This is one of several NIDILRR grant programs. Congress provides an appropriation for NIDILRR as a whole; see the main entry for NIDILRR (#84.133). The amounts listed here are a portion of the total NIDILRR appropriation.


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Time: 7:05 pm, Legends Field – Tampa, FL
Weather: 20% Chance of Thunder Storms, 75
TV: MLB Network
Follow Phillies Nation on Twitter
The Phils are down to 29 healthy players in camp as they enter the final full week of Spring Training. Juan Pierre leads off in left field while Freddy Galvis returns to the line-up. Mike Stutes was supposed to throw today but instead will sit-out with shoulder stiffness. Antonio Bastardo will start today's game and is also scheduled to throw tomorrow. If there are any lingering concerns about Bastardo, they will be answered by tomorrow afternoon at the latest.
Phillies Lineup:
1. Juan Pierre, LF
2. Shane Victorino, CF
3. Jimmy Rollins, SS
4. Jim Thome, DH
5. Hunter Pence, RF
6. Placido Polanco, 3B
7. Ty Wigginton, 3B
8. Carlos Ruiz, C
9. Freddy Galvis, 2B
Phillies Pitchers:
LHP Antonio Bastardo
RHP Jonathan Papelbon
RHP Chad Qualls
RHP Kyle Kendrick
0 Comments
Yes it is on tv. MLB Network
Jamie Moyer made the Rockies opening day roster…a nice story there…
bastardo out after 7 batters? what happened?
correction… 4 batters
Paps with a two run bomb. Go away you fin redsox scum.
6 5 now. Kendrick and pap is like Corey and pat writing on this site.
All suck
Wigginton gonna end up below the Mendoza line for ST.
Let's hope Thome can play first. My panic gauge is at a 7. We are going to struggle to score runs big time. I'm thinking the over/under could be 635 for runs this year.
With the caveat that Spring Training really doesn't mean much, I'd point out that Wiggy has a lot of company.
As of right now:
Wigs: .190
Nix: .182
Breaking Update: JMJ grounds into a bases-loaded double play. Down to .186
Everyone is expecting a regression from JMJ… I think he can give you some pop and some defense but it is very unlikely he has a full season like he finished in 2011. HIs batting average is going to be ugly. I think he's one of those streaky hitters that can carry you – let's hope he gets hot coming out of ST.
Nix is a decent lefty off the bench- he has some power and he's pretty versatile.
Jeff your crazy my man…Ty and Placido are both playing 3B is this a 5 man field type of strategy…Just joking…
I watched this meaningless game on Yes network with the sound muted. 🙂
Once we get into the last few exhibition games next week in April, Charlie Manuel will play his all of his regulars in the desired batting order. Fine tuning the lineup in preparation for the season opener. Obviously, there are several question marks that have not been fully answered during spring training. We will not know instantly if the designated players trying to fill their roles in LF and 2B positions wil be the answer for the team. Fans will need patience and tolerance and reserve their judgement until a certain number of games be played.
As far as 1b is concerned, I feel confident that Thome can be play there for the majority of the games in Howard's absence. My main concern is in the bullpen (exception is Pabelbon). I'm seeing more questions than answers with one ineffective outing after another with relievers that the team is pinning their hopes on. Again, I have to remind myself it's only spring training games. So time will tell. And that time is approaching.
All hist regulars including Chooch who allowed 6 sb tonight? Oh yes, the Phils were caught 3 times.
I could see a sb or 2, blaming on the pitcher but 6?
So one of the questions, aside from all the injuries, how much uglier will it get?
Ruiz has never been noted for throwing out base stealers. But I wouldn't be overly concerned with him allowing six in a spring training game, and WOULD be inclined to blame a lot of it on the pitchers. Mostly, the Phils were pitching relievers, who generally don't have great pickoff moves, and some of the others were pitchers who aren't making the team anyway. Also, who knows if those guys were even thinking about runners; they were probably focused much more on making their pitches.
Ruiz is a regular, but he wasn't working with regulars. It can make a huge difference.
Bruce, I don't think there is any way at all that Jim Thome plays the majority of the games at first until Howard gets back. His back won't hold up. Once….MAYBE twice a week at the most.
I agree with Chuck A. I really do not think that Thome will be able to play the majority of games at first base in Howard's absence, due to his age and bad back, although I hope he proves me wrong. I understand that when Howard was playing very well that the Phillies wanted to keep him in the pinstripes, but that ridiculous contract extension has only handcuffed the team immensely. Further, any decent farm system first baseman we have had (Singleton and Rizzoti) we have traded away. Sometime the thought process of the management and the GM of this team utterly perplex me. This offense, especially come playoff time, needs much luck and career years from its players, or at least a hit with a defibrillator, to get us back to the World Series, but, again, I hope they prove me wrong.
Interesting tidbit:
Just wondering what people thought…
Big Ed…. what this tells me is that the Phillies HAVE to play "small ball" more. Guys like Pierre, Pods, J-Roll and Vic MUST work the count, get on base, use their legs. Question is…can they?? Or better yet, can Charlie adjust to that style of managing?
I don't know if career years are needed Big Ed but nobody, absolutely nobody can go for long slumps – as the Phils have been prone to do. The offense has to show some consistency this year even with a lack of power.
I don't think that the Phils are expecting Thome to play the majority of the games until Ryan returns. I think you might see him play 60% or something like that. I think he will be effective when he plays. He'll be Edward Scissorhands in the field but he can still hit.
Chuck A you are right sir – small ball.
The Dipsy
Chuck A. and Brooks, I completely agree with you both. I am hoping for the best, and even more so that "working the count", one of the proposed mechanical adjustments for the Phillies overall, was fixed, or at least, improved. Although I understand that it is difficult to change a hitter's ingrained hitting style, but I feel that since we will have to play small ball, run, and bunt more than in previous years, it is the best scenario for scoring runs.
How many times over the past few seasons did Shane Victorino unnecessarily swing wildly at the first pitch and pop it up? That has to stop.
Here is the % of time that Vic has swung at the first pitch in each year, from 2006 to 2011:
26%, 21%, 20%, 17%, 16%, 14%
The 14% was the 3rd lowest number in the NL among the 66 qualifying hitters.
Expanding to all players with 400+ plate appearances, there were 105 total.
Of those 105, 6 of the first 14 were Phillies.
I.E. 6 of the 14 with the lowest percentages of first pitches swung at.
Whenever I read they need to "work the count" more, I always wonder how we will know that they're doing that more in 2012?
Here are some stats from last year:
– 3.80 pitches per plate appearance (8th in NL); NL average was 3.80
– slightly better than average at laying off pitches outside the zone (Phillies 30.8%, NL avg 31.0%)
– they took the 2nd most pitches in the NL
– they were among the best teams in running hitters counts
– they were 5th in the NL in walks (and 3rd, once Utley returned)
– they had the 4th highest contact rate (i.e. % of time that a swing results in contact)
– they had the 2nd fewest strikeouts
These are overall stats, and there's an argument to be made that their patience backfired against good pitchers, as they got behind in counts and weren't able to recover.
So again, I'm just wondering, what would we look at to track whether they are better at working the count this year?
Forgot to mention, they swung at the first pitch far far less than any team in the NL:
Phils 21%, NL average 27%, next lowest 25%
I agree with your premise here. If anything it might be a good idea for them to start being more aggressive with the first pitch and in counts they are ahead in. People always complain about Jimmy Rollins swinging at the first pitch but it's also the pitch that he hits the best by far. Sometimes patience can help but other times it hurts. When you get down in the count by looking at a good pitch to hit the odds are not in your favor.
While the stats are facts, and, at times, are often surprising and difficult to contend against; however, it would seem the Phils would have performed better in the final stretch of the playoffs. The stat we would have to track, and it would be an almost impossible one, but one that would explain much, is how much of that patience was negated by swinging at a poor pitch. Although I do not have his stats, I think it would be safe to say that Howard might have worked a deep count, but how many atrocious pitches did he swing at during that deep count, especially against lefties? My hope is that the Phillies work the count in their favor and choose to hit the better pitches rather than the poorer ones. I will admit that the stats are very surprising to me, and your argument against patience backfiring against pitches is a strong and excellent one.
Schmenkman somewhat addressed this point:
"- slightly better than average at laying off pitches outside the zone (Phillies 30.8%, NL avg 31.0%)"
So basically they were a better than average team at not swinging at poor pitches.
The 2011 Phils were actually a very patient team on offense; perhaps too patient, as it turns out.
Just because a pitch is not out of the strike zone doesn't mean it's a poor pitch to try to hit. If you can't hit a letter high fastball over the inside corner, you'd better not be swinging at it with less than two strikes. The same could also apply to breaking balls on the outside corner.
Dipsy if Thome plays 60% of the games than that would be the majority of games??? Ed that doesnt really spell out anything new..i think most people on here realize the offense isnt the same struggles at time and the only .300 hitter is Pence although i think Shane can possibly be another candidate…and certainly Polly is capable of hitting .300 yea i know he isnt the player from before but i believe he still can hit at least .300


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My little boy, Parker will be 2-weeks tomorrow. He started out nursing beautifully. He latched on minutes after being born and sucked like a champ. In fact, he sucked so much that the peditrician at the hospital suggested giving him a formula bottle the first few nights. So, we did and everything continued to go smoothly. When we got home and my milk came in his nursing became more regular and I was able to provide enough for him that we didn't need to supplement. Then a few nights ago I woke him up for his nightly feeding and he wouldn't latch on. I tried every hold I could think of, I tried switching breasts, walking, sitting and finally with tears running down my face I pumped and gave him a bottle. The next morning I ran into the same problem. He would try to latch on but couldn't. So I ended up pumping and giving him a bottle again. It has been two days now and he's only nursed a hand-full of times. I always try to get him to latch on and usually end up having to give him the bottle of expressed milk. After reading more on this sight I think it may have been that I let him have a pacifier (which I have since taken away).
Is there any hope of getting him to nurse again? Any advice is so appreciated, I'm feeling so defeated!


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February 24, 2011 —
I love astronomy, and Moonlight Drive is just around the corner from the house, but a blurb I read in The River Reporter calendar had me curious enough to venture a little farther from home to observe the heavens with other like-minded folks.
The Pocono Environmental Education Center (PEEC), located in Dingmans Ferry, PA, offered me (and a few unsuspecting friends) the opportunity to join forces with a group of nature lovers on what was described as a "short hike to a scenic overlook to watch the full moon rise."
The gathering, which is but one of many the organization offers year round, sounded like fun—and in many ways, it was. Approximately 25 adults and children, ranging in age from four to 70, gathered at the center,
PEEC, in cooperation with the National Park Service, is the largest residential center in the Western Hemisphere for environmental education. Listed among Renew Americas Environmental Successes, PEEC ( peec.org ) has also been singled out as a Pennsylvania Outstanding Conservation Organization. It's mission is to foster "environmental awareness, knowledge and skills through education in order that those who inhabit and will inherit the planet may better understand the complexities of natural and human-designed environments."
A museum, gift shop and hands-on exhibits greeted us as we milled about introducing ourselves and preparing for the "short hike." Our guide, Jessica, gave a (brief) outline of what was about to transpire. Thinking that I had done my homework (with an advance call to ask pertinent questions), I was surprised that there had had been a few hiccups of miscommunication.
Although I had been told that sturdy hiking boots were a good idea, the mother with an infant strapped to her back and thegrandma who had been told that sneakers were "fine" for the trek were both a bit surprised when it became apparent that the "easy, beginners walk" was actually two-and-a-half miles each way, riddled with snow (duh), ice, streams and a highway or two to cross.
It wasn't long before the group realized that we were getting more than we had bargained for, but we soldiered on through muck and mire, since really, there was no turning back. As nightfall approached, questions regarding "How much farther?" and "Does anyone have a flashlight?" filled the night air.
"Short hike, my aunt Ethel," I muttered to anyone within earshot, as our guide pronounced that we were "about halfway there" just as we collectively thought that we were nearing the outlook. We were on one of the many glorious trails that the center has to offer: this one being designated the "Tumbling Waters Trail," which should have been a heads-up. Sure enough, there was plenty of tumbling water, and our shoes, boots and (poor grandma) sneakers were soaked by the time we reached the summit.
Still, spirits were high as we climbed the mountain. The group meshed wonderfully, and although there were a few slips and falls, the kids were amazing in their tenacity to keep up, even with darkness fast approaching. The materials I picked up before the "slip n slide" adventure pointed to the assortment of flora along the way.
The pamphlet went on to caution us to "please respect the environment—pay attention to your presence in the woods and practice 'Leave No Trace Hiking' (Take only photographs, Leave only footprints, Kill only time)."All well and good, but with no head count, dead flashlights and an eight-minute respite before turning back (to actually catch a glimpse of the full moon rising) it's a miracle that no ankles were turned, much less my withering, whimpering corpse left behind for the wolves to devour.
PEEC is cool, no doubt, and the programs they offer (many free of charge) to the public are enriching and educational, but I found that there were a few gaps, like defining "short" "easy" and "hike." When asked how assorted callers could receive such diverse descriptions of what to expect, our lovely yet quizzical guide suggested that the answers depended on who was manning the phones at various times throughout the week.
Call me crazy, but if I'm calling to ask, then (IMHO) surely the answers should not be dependent on what day of the week the question arose. I suppose it's all about the learning curve, and I have concluded that my next adventure will be in a more hospitable season. The kids led by example, and I determined that if they could handle it without whining, then I should be able to as well—maybe next time. Meanwhile, I don't believe we'll be seeing grandma again anytime soon, but if we do, she'll be sporting mukluks, a walking stick and emergency flares, just in case we stray off the beaten path.


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Web PO Requisition
Create, approve and workflow Purchase Order Requisitions from a web browser!1 weekly downloads
BlueBook.. The Value of Code. A Zope product to provide a code snippet repository. Provides a "learn by example" environment, and cut&paste type code sharing. It is a "cookbook" in which snippets are "Recipes" that contain code and can be rated.


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Sorel Cheyanne Boot
Sorry, this item is sold out!
Looks like you've got more shoe shopping to do - have fun!
Looks like you've got more shoe shopping to do - have fun!
Item # 250424
Keep your feet dry and warm this winter with the Cheyanne boot from Sorel. This waterproof lace-up is tested to withstand temperatures as low as -25º F and its handcrafted natural rubber bottom can be counted on for durability and traction.
- Full-grain waterproof leather, suede and synthetic upper
- Lace-up closure
- Ankle pull tab for easy on/off
- Padded collar and tongue for comfort
- Round duck toe
- Fabric lining
- Padded Thinsulate® insulation helps keep feet warm
- Removable, cushioned insole
- Waterproof rubber outsole with herringbone pattern for traction
- Imported
- View more Sorel
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Everyone has an opinion. Here's your chance to share yours! Be the first to write a review of this product and help your fellow shoppers pick the best of the best.


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Clyde Davis
With what do we give the ones we love, in this time and this place where there is so much economic turmoil — or is it inequality, or is it so much smoke and fuss over a normal situation?
With what, at any rate, do we make a meaningful impact on someone's Christmas, when that someone is meaningful to us ?
This column seeks to answer that question by holding up local options, places in the Clovis/Portales area where you can find presents of unique quality and nature.
Perhaps, for starters, it is time to give to someone on your list now, a present which will hold meaning during the holiday season. Maybe you have someone who cannot decorate his or her own outside, due to health, time constraints, or some other reason.
Among other options, you could contact Garden Source just north of Portales, or Hamilton's in Clovis. These and other nurseries are often involved in the outside decorating business.
Give the gift of creativity, for the artistic on your list. The Colour Factory, on North Main in Clovis, can set your loved one up with a chance to be creative, regardless of the age of the person who is receiving your generosity. Do it yourself projects and parties are something which these folks specialize in.
Perhaps your person is more of an art appreciator, than an art producer.
In that case, take a drive a few miles east of town, and stop at Gallery Fifteen, between Clovis and Texico. While you are at it, have lunch at their bistro.
Speaking of bistros, chain restaurants are not the only choice in our area. Particularly if you are giving to someone from out of town, you might want to give certificate to one of our locally owned, locally operated dining places or coffee shops – a taste of something uniquely Clovis.
After the holidays, a lot of people would probably appreciate a chance to slim down and tone up. Purchasing a gym club membership in one of the local workout facilities [including the HPE 128 course at CCC] would be a great way to say "I love you."
Finally, there are the future focused gifts, extending some where beyond Christmas – the skiing trip in January, the horse drawn sleigh ride in February – any and all of the above which can be purchased and given for use at as later date.
I hope I have started your inner elf to thinking and acting, before you panic and end up with the midnight shoppers at you-know – where.


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PRISM - In 2000, full-time students in the School of Business & Economics approved a $65 per term student contribution program designed to improve the computer facilities for students in the school. Accounts will be adjusted for students who do not wish to contribute and who file for an adjustment through the PRISM Help Desk (P1030) in the School of Business & Economics by the end of the second week of the applicable term.
Additional registration fees are charged to those students who do not complete their registration by the date indicated.
Audit-course tuition fees are usually one-half of the regular course fee with a few exceptions which may be charged the full-course fee. Fees are not refundable.
Charges will be applied for all cheques returned to the university by the bank.
Music Accompaniment Fees are charged per course on a term basis. The amount charged is based on the type of accompaniment and the number of hours required for the course. Please contact the Faculty of Music for further information regarding these fees.
The Comprehensive Student Services Fee is charged to full-time students at the rate of $130 per term. All part-time students are charged $26 per half credit. This fee offsets approximately 50 percent of the cost of some general student services.
Students registering in distance educ-ation courses under the audit classification will be invoiced for all distance education charges as well as the appropriate tuition fee.
Senior citizens (60 years of age by start date of lectures) are exempt from tuition for all courses but will be invoiced for all distance education charges, incidental and/or miscellaneous fees where applicable.
Arts Students' Advancement Program (ASAP) This program was established in 2005 as a university and student-run service within the Faculty of Arts, with the objective of enhancing the educational experience and opportunities for students within the Arts faculty.
Copyright Agreement fee is charged to full- and part-time students at the rate of $0.33 per 0.5 credit, per term. This fee is the result of an agreement between Wilfrid Laurier University and the Canadian Reprography Collective to grant Laurier the right to reproduce copyright works for the purpose of education, research and higher learning.
The Student Health and Dental Plans are administered by the Student Union and are mandatory for all full-time and part-time undergraduate students enrolled in the fall term on campus, including co-op students on work term. An opt-out option is available to students who file the required form with proof of alternate coverage no later than the end of the second week of fall term. Further information is available by contacting the Health Plan Co-ordinator at Extension 3557 or www.wlusu.com
Academic & Related Dates Spring/Summer 2010
Other Calendars


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Core began operations in 1989
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Lack of Leadership Causing US Defense Issues Abroad?
By editor • Aug 5, 2013
Originally published on August 5, 2013 12:44 pm
A terror threat closes American embassies, and changes the political debate about intelligence gathering. Host Michel Martin talks politics with Republican strategist Ron Christie, and former Obama administration advisor Corey Ealons.


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Of course taken is one of my favorites.
Pokemon the First movie has to be a classic.
Top movie quotes??
Keep the change yah filthy animal
mine was:
Say hello to my little friend.
" its only after you've lost everything that you're free to do anything" - Tyler Durden
it doesn't matter who your are underneath , is what you do that defines you - batman , something like that
Originally Posted by -Cerberus-
Keep the change yah filthy animal
"i want these mother ****in snakes off my mother ****in plane!"
"We may be human, but were still animals"
and my alltime favorite "I love the smell of napalm in the morning...smells like victory"
1- If some one is trying to bring you down, then you must be above them
2- Life is like a chess game even if you start off as a pawn if you go the distance survive long enough and reach the other side of the playing field you can be successfull too. These are my quotes not movie quotes xD
"No buzz lightyear, I am your father"
not from a movie but ok:
[IMG]http://t3.************/images?q=tbn:ANd9GcQW8pUqvdp80l6fEmYXjswRmCgcH2Vbt PRrjlDFBGwIWAHJKhgk[/IMG]
i have an offer he can't refuse - THE GODFATHER epic
That's one of them. Can't really think right now.
Last edited by Nimmy; 11-08-2012 at 02:59 AM.
Originally Posted by Shodaime Swagkage
Originally Posted by 6thHokage
mine was:
Say hello to my little friend.
Originally Posted by AshTRe
" its only after you've lost everything that you're free to do anything" - Tyler Durden
I like this one. what movie is it from?
Originally Posted by labiancareality
thats another one of my favorites too!
Originally Posted by Download
i have an offer he can't refuse - THE GODFATHER epic
this one
"Astalavista baby!"
It surprises me why anyone else didnt say this...
"There was a FIREFIGHT!!!" - The Boondock Saints
Forum Rules


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I'm sure if we package a trade this year he'll be included
Adrian Wojnarowski @WojYahooNBA 36s
The NBA is suspending Knicks guard J,R. Smith for violating the league's substance abuse policy, sources tell Yahoo Sports
Frank Isola @FisolaNYDN 42s
J.R. Smith did not test positive for a performance enhancing drug. A five-game suspension would suggest a positive marijunana test
JR Spliff.
I'm sure if we package a trade this year he'll be included
Don't know if you saw that report on Ricky Williams. One of his teammates said he was smoking weed the night before he had a 200 yard game.
If JR can put up 40ppg in a game after smoking some grass who cares.
Nice to see you posting again Metro.
And people thought I was crazy for not caring if he left the Knicks after last season....... Self hate is an awful demon.
I don't hate JR Smith, I just don't think he's capable of being responsible until playoff team. You saw where he got suspended against the Celtics and it almost cost us. I don't think it was his fault though, but JR's personality just isn't fit for team success.
I love his talents. He has Jordan potential honestly.
jr is a selfish *******........u fools who still praise him just blow my mind........i said not to sign jr and everyone with then who will score for us is just a bunch of crap....
Look what he did to terry, parties during the playoffs and now this...he dont give a damn what dont u understand....
Jr a real winner...hahahahahahah
this is again why for the 2nd time no team offered jr a contract !!!!!!!!!! Only the knicks...
Yeah a real steal for us.........morons.........
What amazes me how people say we got jr cheap....so why did another team not come and take him...hmmmmm one wonders !!! No we dont wonder its because jr is a selfish dude who is not a team player......
just have him suit up the first 5 games of the season, as he is likely to miss them due to rehab from surgery
Lets hope he keeps clean and rebounds...He has talent, he just needs to take BB more seriously
The only question remaining should be whether this train wreck and abject fool is now third or fourth (or lower) on the depth chart at SG.
This is crazy, suspending a player for smoking weed? Gimme a break. What's next? Suspending players for failing alco tests? LOL.
We all agree that so what its Weed....thats not the point!!!!!!
His teammates will now be without him for 5 games.....dude got suspended in the playoffs last year.......
It just the worst form of a teammate you can have..............
250,000 to smoke weed is alot of money but JR knew that and agan did not care or does not have enough self discipline to not do it just like elbowing terry


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Gonfalon Cubs: 4-2, 5QS
After yesterday's win, the Cubs are 4-2 after the break and saw their starters give them Quality Starts in 5 of those games with the 6th being Lackey's 8IP, 4ER start. The last Quality Start before the break was June 30th, meaning we had 10 straight games where the starter failed to qualify for a Quality Start (the Cubs went 2-8 over that stretch). Whatever the Cubs did to get them back on track seems to be working.
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The Cubs hit a bit of a rough spot the last three weeks, going 6-15. On June 19th, the team hit its apex so far for the season, completing a three-game sweep of the Pirates at Wrigley. They led the division by 12.5 games, an achievement the team hadn't made since 1929, and had a record of 47-20. That sweep completed a 15-6 stretch, after which things fell apart. Really fell ...Read More...
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Hi all..... Some background:
We started our LO on solids at 5 months, she has a big selection of foods that she loves and so far no problems. We are doing organic jarred foods right now because I CAN'T find good organic produce (fresh or frozen)around her to save my life. I am trying to let her lead me with how much and how often she is eating solids, but if I followed her lead, she would be eating an entire jar of fruits/veggies/dinner 3 times a day plus rice cereal!!!
She has not increased her milk intake since she was 4 months. She takes about 5-6 4-5oz bottles of EBM a day. I am worried that she is taking in too many "empty" solids and not enough BM!! I offer her the bottle about 1/2 hour befor we are going to try the solids, but I think she knows they are coming and refuses to have it until after she eats!
Her weight is fine, no problems. Still in the 50th percentile and 75th for heright/head circ.
We see her DR on Monday, so I will ask the same question there, but I feel that you all have better experience then they do. (Plus I see a different DR each time we go and they each say a different thing!!)
Thanks in advance
I put my question in BOLD so it is easier to see!!


text:
My daughter is five months old and weighed only 6 lbs, 6 ounces at birth. She now weighs 23 pounds!
I cannot get clothes that fit her properly! Twelve month sizes are too tight and anything bigger is way too long!
I do love my little fatty, but any suggestions as to how to clothe her would be greatly appreciated.


text: Main Content Section 333.26423 friendly link Printer Friendly MICHIGAN MEDICAL MARIHUANA ACT (EXCERPT)Initiated Law 1 of 2008 ***** 333.26423 THIS SECTION IS AMENDED EFFECTIVE DECEMBER 20, 2016: See 333.26423.amended ***** 333.26423 Definitions. 3. Definitions. Sec. 3. As used in this act: (a) "Bona fide physician-patient relationship" means a treatment or counseling relationship between a physician and patient in which all of the following are present: (1) The physician has reviewed the patient's relevant medical records and completed a full assessment of the patient's medical history and current medical condition, including a relevant, in-person, medical evaluation of the patient. (2) The physician has created and maintained records of the patient's condition in accord with medically accepted standards. (3) The physician has a reasonable expectation that he or she will provide follow-up care to the patient to monitor the efficacy of the use of medical marihuana as a treatment of the patient's debilitating medical condition. (4) If the patient has given permission, the physician has notified the patient's primary care physician of the patient's debilitating medical condition and certification for the use of medical marihuana to treat that condition. (b) "Debilitating medical condition" means 1 or more of the following: (1) Cancer, glaucoma, positive status for human immunodeficiency virus, acquired immune deficiency syndrome, hepatitis C, amyotrophic lateral sclerosis, Crohn's disease, agitation of Alzheimer's disease, nail patella, or the treatment of these conditions. (2) A chronic or debilitating disease or medical condition or its treatment that produces 1 or more of the following: cachexia or wasting syndrome; severe and chronic pain; severe nausea; seizures, including but not limited to those characteristic of epilepsy; or severe and persistent muscle spasms, including but not limited to those characteristic of multiple sclerosis. (3) Any other medical condition or its treatment approved by the department, as provided for in section 6(k). (c) "Department" means the department of licensing and regulatory affairs. (d) "Enclosed, locked facility" means a closet, room, or other comparable, stationary, and fully enclosed area equipped with secured locks or other functioning security devices that permit access only by a registered primary caregiver or registered qualifying patient. Marihuana plants grown outdoors are considered to be in an enclosed, locked facility if they are not visible to the unaided eye from an adjacent property when viewed by an individual at ground level or from a permanent structure and are grown within a stationary structure that is enclosed on all sides, except for the base, by chain-link fencing, wooden slats, or a similar material that prevents access by the general public and that is anchored, attached, or affixed to the ground; located on land that is owned, leased, or rented by either the registered qualifying patient or a person designated through the departmental registration process as the primary caregiver for the registered qualifying patient or patients for whom the marihuana plants are grown; and equipped with functioning locks or other security devices that restrict access to only the registered qualifying patient or the registered primary caregiver who owns, leases, or rents the property on which the structure is located. Enclosed, locked facility includes a motor vehicle if both of the following conditions are met: (1) The vehicle is being used temporarily to transport living marihuana plants from 1 location to another with the intent to permanently retain those plants at the second location. (2) An individual is not inside the vehicle unless he or she is either the registered qualifying patient to whom the living marihuana plants belong or the individual designated through the departmental registration process as the primary caregiver for the registered qualifying patient. (e) "Marihuana" means that term as defined in section 7106 of the public health code, 1978 PA 368, MCL 333.7106. (f) "Medical use" means the acquisition, possession, cultivation, manufacture, use, internal possession, delivery, transfer, or transportation of marihuana or paraphernalia relating to the administration of marihuana to treat or alleviate a registered qualifying patient's debilitating medical condition or symptoms associated with the debilitating medical condition. (g) "Physician" means an individual licensed as a physician under Part 170 of the public health code, 1978 PA 368, MCL 333.17001 to 333.17084, or an osteopathic physician under Part 175 of the public health code, 1978 PA 368, MCL 333.17501 to 333.17556. (h) "Primary caregiver" or "caregiver" means a person who is at least 21 years old and who has agreed to assist with a patient's medical use of marihuana and who has not been convicted of any felony within the past 10 years and has never been convicted of a felony involving illegal drugs or a felony that is an assaultive crime as defined in section 9a of chapter X of the code of criminal procedure, 1927 PA 175, MCL 770.9a. (i) "Qualifying patient" or "patient" means a person who has been diagnosed by a physician as having a debilitating medical condition. (j) "Registry identification card" means a document issued by the department that identifies a person as a registered qualifying patient or registered primary caregiver. (k) "Usable marihuana" means the dried leaves and flowers of the marihuana plant, and any mixture or preparation thereof, but does not include the seeds, stalks, and roots of the plant. (l) "Visiting qualifying patient" means a patient who is not a resident of this state or who has been a resident of this state for less than 30 days. (m) "Written certification" means a document signed by a physician, stating all of the following: (1) The patient's debilitating medical condition. (2) The physician has completed a full assessment of the patient's medical history and current medical condition, including a relevant, in-person, medical evaluation. (3) In the physician's professional opinion, the patient is likely to receive therapeutic or palliative benefit from the medical use of marihuana to treat or alleviate the patient's debilitating medical condition or symptoms associated with the debilitating medical condition. History: 2008, Initiated Law 1, Eff. Dec. 4, 2008 ;-- Am. 2012, Act 512, Eff. Apr. 1, 2013 Compiler's Notes: MCL 333.26430 of Initiated Law 1 of 2008 provides:10. Severability.Sec. 10. Any section of this act being held invalid as to any person or circumstances shall not affect the application of any other section of this act that can be given full effect without the invalid section or application. © 2015 Legislative Council, State of Michigan


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