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Expert Reviewed
wikiHow to Make a Dog Stop Biting
Four Parts:Preventing Dog BitesTraining to Stop Bites, Mouthing, and NippingResponding to Serious Biting BehaviorUnderstanding Why Dogs BiteCommunity Q&A
For the most part, nipping and biting in dogs is normal behavior. However, just because it's normal, it doesn't mean that it's okay for a pet-owner to not address this behavior. For both your dog's protection and your own, it's important that you learn why your dog is biting and that you take steps to prevent and stop biting.
Part 1
Preventing Dog Bites
1Spay or neuter your dog. There are many different reasons in support of spaying or neutering your dog. Among those reasons is the fact that they will be far less likely to bite. Spaying and neutering will change hormonal levels in your dog, resulting in more docile behavior. [1]
- Your dog's instinct to wander or fight with other dogs will be reduced.
- Neutering your dog lowers testosterone levels, making male dogs less aggressive.
2Don't let your dog wander or go off-leash. Making sure that your dog is safely contained in his own yard is part of being a responsible pet owner. Keeping your dog in a limited and safe space will help protect not only your dog, but other pets and people as well.[2]
- Do not let your dog roam freely.
- Keeping your dog contained lowers the chance of them encountering and fighting other pets.
- Being kept secure will also lower your dog's chances of biting during a hunt.
3Avoid stressful situations. If you know your dog may bite, or suspect they may, avoid any unnecessarily stressful situations. Do not introduce your dog to new or busy places. Watch your dog's behavior at all times for signs of stress and leave the area immediately if you see them manifesting.[3]
- Don't introduce too many new people if that seems to be stressful for your dog.
- Large crowds can stress dogs out. Try to avoid bringing your dog to these if they are nervous.
- Avoiding stressful situations works. However, you may still want to train your dog to relax in them.
- Have a safe space where your dog can go and relax.
4Go to obedience training with your dog. Going to obedience training classes with your pet is one of the best ways to prevent dog bites. These classes will teach both you and your dog how to work together to avoid biting.[4]
- Your dog will be socialized with other dogs and people.
- Your dog will learn how to deal with any fears it may have.
- You will learn how to properly reward or punish behaviors.
- Expect that both you and your dog will be learning.
- Ask your veterinarian for recommendations for good obedience training classes.
Part 2
Training to Stop Bites, Mouthing, and Nipping
1Determine if your dog's mouthing is playful or aggressive. All dogs, but especially puppies, engage in normal mouthing behavior. Learning the difference will help you to understand your dogs attitude. However, no form of biting or mouthing is acceptable and both must be stopped.
2Teach your dog to be gentle with him teeth and mouth. Dogs are pack animals, and learn from playing with each other when they are young. It's normal for your puppy to play bite you, however, you will want to start training them to never bite.[8]
- If you are bit or mouthed, let out a high-pitched yelp, as a dog would.
- Stop playing for a few seconds.
- Praise your dog and resume play.
- If the dog or puppy doesn't stop after you yelp, leave and try again later.[9]
3Use a time-out method to curb mouthing and nipping. If your puppy or older dog doesn't respond to simple yipping and short refusal to play, try adopting a time-out procedure. Ignoring your dog is a powerful way to communicate that its behavior is unacceptable.[10]
- When bitten, yelp loudly.
- Ignore the dog for ten to twenty seconds.[11]
- You may also place your dog in a space by itself for ten to twenty seconds.
4Reward your dog consistently for good behavior. It's important to let your dog know what he is doing correctly. Always be sure to praise your pet for stopping to nip and bite, either with pets or small treats.
- Reward only behavior that you want to encourage.
- Keep treats handy so that you can reward easily when training your dog.
- Don't overfeed your dog, use only small treats.
5Continue to teach your dog to be gentle. Your dog will start to nip more lightly. Keep yipping and stopping play, whenever you dog nips.[12]
- As your dog reduces pressure, respond by yipping to the lighter nips.
- Keep working in this way until your dog stops nipping with any pressure.
6Select your dog's toys and games carefully. It's only natural to want to wrestle with your dog or play tug of war. However, we send our dogs mixed messages when do this, and make it harder for them to learn to curb their biting instincts.[13]
- Instead of letting your puppy gnaw on your fingers or hands, give him a chew toy or bone.[14]
- Avoid wrestling games, which can get your dog overly excited or confused.
- Think carefully about playing tug-of-war. This can lead to dominance issues.
- Be sure to talk to your veterinarian or trainer about how to teach your dog to play tug-of-war.[15]
Part 3
Responding to Serious Biting Behavior
1Rule out playful biting. Playful biting can be remedied by simple training that you can do at home. If your dog is showing signs of aggression, however, this is a more serious problem.
- Aggressive biting will hurt, much more so than play biting.
- Your dog will have tense or stiff body language.
2Enlist the help of your veterinarian. If your dog shows signs of aggression, you ought to seek professional help immediately. Your vet can help you find the source of your dog's aggressive biting. [16]
- Your vet can help you care for any ailments that may be causing biting.
- Your vet can also teach you how to properly reward or punish behaviors.
- Try speaking with a qualified pet behaviorist to better understand how to train your dog.
3Keep your dog's vaccinations current.[17] With proper training, your dog will hopefully never bite you or a stranger. However, this possibility cannot be ruled out. It's very important that you keep your dog's vaccinations and paperwork up-to-date in case someone is bitten.
- Keeping vaccinations current can help protect the victim from disease.
- You will have less liability in the event of a bite if your dog's vaccinations are up to date.
- Keep your dog safe, as many states destroy un-vaccinated dogs that bite.
- Practice responsible pet ownership. Never unleash your dog in a public area. Use a muzzle when in public if your dog is prone to biting.
Part 4
Understanding Why Dogs Bite
1Distinguish the different types of biting behavior. Puppies and dogs use their mouths to play and investigate the world. In general, we can distinguish between mouthing, nipping, playful biting and more serious aggressive biting.
- Puppies will most often mouth or playfully nip. Although common behavior, it is unacceptable.
- Older dogs may also mouth and nip, if they were not trained otherwise.
- No matter the dog's age, teach them that it is never appropriate to put their teeth on a person.
- Aggressive biting, in either young or old dogs, needs to be addressed immediately.
2Look for signs of possessiveness in your dog. Dogs are protective of their possessions. They have a broad understanding of what is their property. If your dog feels that his possessions are being threatened, he may very well respond by biting.
- Dogs can view their toys, food, territory or even people as their property.
- Watch your dog around these things to see what might be triggering its behavior.
3Look for signs of a fear response. Another common cause of biting behavior in dogs is fear. If your dog is acting fearful, try to think of anything that may be causing it, such as new people or new locations. Watch for the following signs in your dog's behavior that indicate fear:[18]
- Trembling.
- Tucked tail.
- Submissive posture.
- Hiding.
- Running away.
4Determine if your puppy or dog is in pain. If your dog is nipping or biting, and it doesn't seem like play, they may be in pain. Even the calmest, friendliest dogs may be prompted to bite if they are in pain. If you suspect your dog to be in pain, take them to the vet immediately. Look for the following signs of pain in your dog:
- Whimpering.
- Changes in eating or drinking.
- Yelping.
- Groaning.
- Restlessness.
- Difficult moving.
- Limping.
5Understand that new mothers may bite. If your female dog is preparing to have a litter or has just whelped, then be on the alert for possible biting. The maternal instinct is strong in even the most loyal and calm dog, and so you'll want to be careful to not prompt any biting behavior on him part.
- Offer your dog a safe and secluded space.
- Approach the dog and him puppies carefully.
- Teach others to approach the mother and new puppies with caution.
6Determine if your dog is biting as a result of prey behavior. The predatory instinct in most dogs is very strong. If interrupted in their "hunt", they may bite. If you think that your dog is biting as a result of this predatory instinct, you'll want to address it for everyone's safety. Dogs may consider the following to be prey:
- Wildlife, such as rabbits or squirrels.
- Cars
- Joggers
- Cyclists
7Recognize the warning signs of an impending bite. If you have ruled out the possibility that your puppy or older dog is mouthing or nipping playfully, you may be faced with dealing with more aggressive behavior. Aggressive behavior is dangerous to work with. Learn the following signs of aggression in your dog.
- Ears pinned back.
- Fur along back is standing up.
- You can see the whites of its ears.
- The dog is showing its teeth.
8Know how to handle a dog that is about to bite. There are a few standard techniques that can help keep you from being bitten by a dog displaying signs of aggression. Follow these basic steps to help keep you safe from a dog bite:
- Avoid direct eye contact.
- Slowly step back from the dog.
- Give the dog an escape route.
Community Q&A
How can I keep our 2-year-old dog from nipping at our 4 month grandchild or his mother?Pippa Elliott, MRCVS
Veterinarian, Royal College of Veterinary SurgeonsFirstly, be extremely careful and never leave the child unsupervised near the dog. For many dogs a young child triggers feelings associated with chasing prey, so extreme caution is needed. Ideally, consult a trained behaviorist. In the meantime up the dog's basic training, and teach a solid "Sit" and a solid "Go to your mat" so you can control the dog and interrupt chasing behaviors.
How can I rehabilitate a dog who hates being groomed after a bad experience?Pippa Elliott, MRCVS
Veterinarian, Royal College of Veterinary SurgeonsThe trick is to reintroduce him slowly to the grooming tools, in such as way that he associates them with good things. For example, leave a comb beside his food bowl and store his brush in the toy chest. Then show him the brush, and when he acts calm, praise and reward him. Gradually build up his tolerance of the brush being near him by rewarding good behavior. It might be wise to try a different type of grooming tool than previously (so maybe a Zoom Groom rather than a deshedding brush) and start on a part of his body that he's most tolerant of, and reward his co-operation.
What can cause my dog to bite me while being groomed?wikiHow ContributorYour dog may have pain when being brushed, while grooming monitor whether this is occurring in one particular spot. If this seems to be the case, check the skin and the hair. Any matting being brushed will hurt. The dog may have had a bad experience at the salon or previous owner. If this may have happened then train them to enjoy grooming time with treats.
I am about to have a baby, and my dog hates children. Should I have my dog's teeth pulled or put him down?wikiHow ContributorPulling their teeth is almost always a bad idea, unless you give extremely soft foods for the rest of his life. Consider putting him up for adoption instead of putting him down.
How can I get my four-year-old Australian Kelpie to accept a new puppy?wikiHow ContributorTake her and the puppy for walks together. As long as your Kelpie sees you as the leader of the pack, she will accept the puppy as a new member simply because you do.
How do I stop my two puppies from chasing and biting each other?wikiHow ContributorTo some extent that is natural dog behavior and if you try to interfere you might get hurt. If the dogs are hurting each other, try to keep them separated whenever possible. If the issues are prolonged, you may have to consider re-homing one of the dogs.
How can I make my beagle stop nipping anything around him, like our wooden chair?wikiHow ContributorThere are some sprays you can put in things they commonly chew, like the chair. Once you spray what they chew, it will taste bad and prevent further chewing.
How do I stop my dog from charging and wanting to nip at people?wikiHow ContributorNever leave the dog unsupervised. Maybe have some friends or family come over and have him "sit" and "stay". If he doesn't listen, put him on a leash or in a crate. Consider buying a muzzle for the dog.
I recently adopted a 5 month old puppy and he has been quickly nipping at my 10 year old dogs face. Is this aggressive behavior and how can I stop this?wikiHow ContributorIf the adult dog doesn't growl or correct the puppy, then you should correct the puppy by saying "no" and taking him away. Do not correct the older dog for growling or snapping. He is teaching the puppy.
Why do cats meow and dogs bark while I have a bowl or a plate?wikiHow ContributorIt depends. Sometimes they're hungry too and want to be fed, but other times they might just want whatever you have (or your attention!).
How do I stop my dog from biting other dogs while playing? Those are playful bites since she wants to get attentions but this behavior would scare some other dogs. And fights might occur afterwards.
How do I stop my dog from biting people?
How do I get a young dog to stop biting my fingers when I do something it doesn't want me to do?
How do I know when a dog is truly aggressive or just learning?
My 2 year old French bulldog is very attached to me, and she often tries to bite my wife. What should we do?
- Be patient and consistent in your training.
- Know your dog well to watch for signs of fear or aggression.
- Take your dog to your veterinarian if you are unsure of why your dog bites.
- Play with your dog often if they are consistently caged think about giving up for adoption. A caged life is not good for a dog.
- Do not punish your dog physically. This will usually only make them respond more aggressively.[19]
Sources and Citations
- ↑ http://www.humanesociety.org/animals/dogs/tips/prevent_dog_bites.html
- ↑ http://www.humanesociety.org/animals/dogs/tips/prevent_dog_bites.html
- ↑ http://www.humanesociety.org/animals/dogs/tips/prevent_dog_bites.html
- ↑ http://www.humanesociety.org/animals/dogs/tips/prevent_dog_bites.html
- ↑ https://www.aspca.org/pet-care/virtual-pet-behaviorist/dog-behavior/mouthing-nipping-and-play-biting-adult-dogs
- ↑ https://www.aspca.org/pet-care/virtual-pet-behaviorist/dog-behavior/mouthing-nipping-and-play-biting-adult-dogs
- ↑ https://www.aspca.org/pet-care/virtual-pet-behaviorist/dog-behavior/mouthing-nipping-and-play-biting-adult-dogs
- ↑ https://www.aspca.org/pet-care/virtual-pet-behaviorist/dog-behavior/mouthing-nipping-and-play-biting-adult-dogs
- ↑ https://www.aspca.org/pet-care/virtual-pet-behaviorist/dog-behavior/mouthing-nipping-and-play-biting-adult-dogs
- ↑ Canine Behaviour: A guide for veterinarians. Bonnie Beaver. Published: Saunders
- ↑ https://www.aspca.org/pet-care/virtual-pet-behaviorist/dog-behavior/mouthing-nipping-and-play-biting-adult-dogs
- ↑ https://www.aspca.org/pet-care/virtual-pet-behaviorist/dog-behavior/mouthing-nipping-and-play-biting-adult-dogs
- ↑ https://www.aspca.org/pet-care/virtual-pet-behaviorist/dog-behavior/mouthing-nipping-and-play-biting-adult-dogs
- ↑ https://www.aspca.org/pet-care/virtual-pet-behaviorist/dog-behavior/mouthing-nipping-and-play-biting-adult-dogs
- ↑ https://www.aspca.org/pet-care/virtual-pet-behaviorist/dog-behavior/mouthing-nipping-and-play-biting-adult-dogs
- ↑ https://www.aspca.org/pet-care/virtual-pet-behaviorist/dog-behavior/mouthing-nipping-and-play-biting-adult-dogs
- ↑ http://www.humanesociety.org/animals/dogs/tips/prevent_dog_bites.html
- ↑ http://www.petmd.com/dog/conditions/behavioral/c_dg_fears_phobia_anxiety
- ↑ https://www.aspca.org/pet-care/virtual-pet-behaviorist/dog-behavior/mouthing-nipping-and-play-biting-adult-dogs
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Cunningham, David (2016) Preventing Civil War: How the Potential for International Intervention can Deter Conflict Onset, World Politics 68(2): 307–340.
White, Peter B.; Dragana Vidovic; Belén González; Kristian Skrede Gleditsch & David Cunningham (2015) Nonviolence as a Weapon of the Resourceful: From Claims to Tactics in Mobilization, Mobilization 20(4): 471–491.
Beardsley, Kyle; David Cunningham & Peter B. White (2015) Resolving Civil Wars before They Start: The UN Security Council and Conflict Prevention in Self-Determination Disputes, British Journal of Political Science. DOI: 10.1017/S0007123415000307: 1–23.
Cunningham, David; Kristian Skrede Gleditsch & Idean Salehyan (2013) Non-state actors in civil wars: A new dataset, Conflict Management and Peace Science 30(5): 516–531.
Cunningham, David & Douglas Lemke (2013) Combining Civil and Interstate Wars, International Organization 67(3): 609–627.
Salehyan, Idean; Kristian Skrede Gleditsch & David Cunningham (2011) Explaining External Support for Insurgent Groups, International Organization 66(4): 709–744.
Cunningham, David (2010) Blocking Resolution: How External States can Prolong Civil Wars, Journal of Peace Research 47(2): 115–127.
Gleditsch, Kristian Skrede; David Cunningham & Idean Salehyan (2009) It Takes Two: A Dyadic Analysis of Civil War Duration and Outcome, Journal of Conflict Resolution 53(4): 570–597.
Cunningham, David (2011) Barriers to Peace in Civil War. : Cambridge University Press. .
Cunningham, David; Kristian Skrede Gleditsch & Idean Salehyan (2016) Trends in Civil War Data: Geography, Organizations, and Events, in Mason, T. David; & Sara McLaughlin Mitchell, eds, What Do We Know about Civil Wars?. Lanham, MD: Rowman & Littlefield (247–260).
Cunningham, David; Kristian Skrede Gleditsch & Idean Salehyan (2016) Non-State Actors in Civil War, in Backer, David; Ravinder Bhavnani; & Paul Huth, eds, Peace and Conflict 2016. Abingdon: Routledge (50–56).
Lemke, Douglas & David Cunningham (2009) Distinctions Without Differences?: Comparing Civil and Interstate Wars, presented at American Political Science Association, Toronto, Ontario, 5 September.
Cunningham, David; Kristian Skrede Gleditsch & Idean Salehyan (2009) The Enemy of My Enemy Deserves My Support: Transnational Support for Insurgent Groups, presented at American Political Science Association, Toronto, Ontario, 4 September.
Beardsley, Kyle; David Cunningham & Peter B. White (2016) The United Nations and Conflict Prevention, PRIO Policy Brief, 17. Oslo: PRIO.
Cunningham, David; Belén González; Kristian Skrede Gleditsch; Dragana Vidović & Peter B. White (2016) Violence and Non-Violence in Anti-Government Mobilization, PRIO Policy Brief, 21. Oslo: PRIO.
The Peace Research Institute Oslo (PRIO) conducts research on the conditions for peaceful relations between states, groups and people.

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Best of eShop: 3DSWare
#1: Pushmo
#2: Sakura Samurai: Art of the Sword
#4: Mutant Mudds
Best of eShop: Virtual Console
#1: The Legend of Zelda: Link's Awakening DX
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That wraps up our round-up of all the best eShop downloadables of October. What do you think of these games? Which do you own, and which do you still plan on picking up? Let us know in the comments below!
Until next time, Koopalings - GAME ON!
Audrey Drake is an Associate Editor at IGN and a proud member of the IGN Nintendo team. She is also a lifelong gamer, a frequent banisher of evil and a wielder of various legendary blades. You can keep track of her wild adventures by following Aminka on IGN or @GameOnAminka on Twitter. Game on!


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ISO 37:2011 describes a method for the determination of the tensile stress-strain properties of vulcanized and thermoplastic rubbers. The standard has two allowable specimen geometries. The standard describes straight dumbbell specimens as well as ring shaped specimens. The properties which can be determined are tensile strength, elongation at break, stress at a given elongation, and yield point. The measurement of stress and strain at yield applies only to some thermoplastic rubbers and certain other compounds.
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2007 Nissan Titan Crew Cab - Consumer Review
Build Quality
Reliability Value
Build Quality
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One hell of a Ride
By David on
Vehicle2007 Nissan Titan XE 4dr Crew Cab 4WD SB (5.6L 8cyl 5A)
ReviewI like my Titan better than all the Fords, Dodges, Chevys and the recently copy-cat Tundra. It gets up and goes believe me. I'm in the army and I do all kinds of hauling from my gear to my 300+lbs ATV in the back. The Titan just hauls period. I've got the 2007 XE Titan, but just looking at it you'd think it was an SE because I have the 18 in SE rims. I fell in love with it when my two friends parents got the Titans when they first came out. I was a Dodge fanatic but as soon as I started riding along I felt that beast under the hood and boy does it roar. I just love how it's all jumpy when you get on the gas. It just makes me want to push on the gas mileage keeps me at the pump every week $35-$85.
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Meaning and Origin of: Young
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Girl name origins & meanings:
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- English, Scottish, and northern Irish : distinguishing name (Middle English yunge, yonge 'young'), for the younger of two bearers of the same personal name, usually distinguishing a younger brother or a son. In Middle English this name is often found with the Anglo-Norman French definite article, for example Robert le Yunge.
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Mueller, Jon - Tongues LP
Released by Rhythmplex. More info from the label:
Since the early 2000s, the work of Jon Mueller has examined various translations between ideas and rhythm. His records about spiritualist movements and impermanence consciousness were maximalist displays of bombastic trance signifying life-affirming energy, while his earlier focus on vibrating drumheads revealed the sonically electrical qualities of acoustic instruments; an unexpected current within dormant material.
Similarly, his new solo effort, Tongues, is an invigorating and ecstatic record of transference. Within it, voices of desperate meaning speak and howl in unknown languages, while vibrating skin, string, and metal transport them from their obscure origin. Together they project a kind of bodily singing of the world set to pummeling and relentless rhythms.
Arranged and performed by Mueller using various bass drums, percussion and his own voice, the record also features contributions from Cory Allen and William Ryan Fritch. Allen's harmonium, tanpura and ceremonial breath (learned from shamans in the Amazon rainforest) add a tonal depth and trance-like energy. Fritch, who many will recognize from Mueller's previous Death Blues Ensemble record, adds sarangi, played through a piano as a sort of resonant amplifier, creating a ghostly melodic sense that enriches the record's driving rhythms with a sense of timelessness.


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Las Vegas, Nevada – (The Hosting News) – March 13, 2008 – Web host and national provider of integrated voice and data communications firm subsidiary, Covad Wireless, recently presented and launched a new service, at the Spring 2008 Channel Partners Conference and Expo.
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Posted in thread: Agents set up seller of AR15 on 03-16-2013 at 05:08 PM
Yes us folks in Ca. deal with the same ****, if its not someone I know I will only sell out of
state, only way to keep the communist regime at bay.
Posted in thread: A trend I noticed with some new gun buyers on 03-15-2013 at 11:15 PM
I have to think that teaching more young people, and women safe firearms practice is the way to
go. Anyone willing to go shoot,hunt, or simply own a firearm is on our side. Encourage everyone
to get i...
Posted in thread: Ordered a Glock 20C pics added on 12-15-2012 at 01:59 AM
Thanks ill check them out
Posted in thread: Left handed AR15 on 09-24-2012 at 06:06 PM
Food for thought, I'll look into the piston drives.
Posted in thread: Left handed AR15 on 09-24-2012 at 10:56 AM
I hear ya, raised on the M16-A1 myself. Figure I better get the south paw version before we
can't get any at all!
Posted in thread: Left handed AR15 on 09-18-2012 at 01:10 AM
Now that Rock River Arms are also making LH AR's I would like some opinions on which
Manufacturer people think the most of?
Posted in thread: Next gun, 9mm carbine or 5.7 semi auto? on 06-11-2012 at 03:25 PM
I own a PX4 in 40 SW. Functions flawless, trigger is OK nothing to brag about.
Posted in thread: Ordered a Glock 20C pics added on 03-31-2012 at 05:24 PM
For my fellow 10mm fans if you aren't familiar with Double Taps ammo. they make some smoken'
hot accurate stuff. Not cheap but if you don't have the time to reload worth the extra nickel.
Posted in thread: .338 too much for deer hunting? on 03-03-2012 at 11:09 PM
338 with controlled expansion type bullet will work just fine. Provided you shot it well.
Posted in thread: Buying my wife her first handgun on 03-03-2012 at 09:18 PM
I've taken mine to the range several times now. She doesn't like auto's they "throw stuff in
her hair". Loves my 357 though.


text:
MS. HALL: While some Republicans may still be shaking their heads over Tuesday's big losses, others are already trying to chart a new course for their party.
Tennessee GOP Congresswoman Marsha Blackburn wrote this week, quote, "As a party, we have added to America's frustrations with the gulf between our message and our methods. It is not good enough to evoke Ronald Reagan without bothering to explain how and why the ideas he articulated 30 years ago are the best framework to solve today's problems."
Congresswoman Blackburn joins me now to talk about it.
Such eloquent words, but how do you implement that?
REP. BLACKBURN: One of the things that people want us to do is to actually pursue those ideals, the party of Lincoln, where we focused on self-reliance, on freedom, on national unity and Reagan, who focused on lowering taxes and lessening regulations.
MS. HALL: But what happened, congresswoman?
REP. BLACKBURN: Freedom and free enterprise. And so it means pursuing those ideals and in that pursuit, we will rebuild that trust.
MS. HALL: So what happened along the way in your opinion?
REP. BLACKBURN: I think that along the way our leadership and many of us -- we all have a little bit of blame to share in this, Tamron, and people took their eye off the ball and they started focusing on perks and power and privilege instead of focusing on people and problem solving and getting things done.
The American people repeatedly have said, we like having a two party system. We like a robust debate. But we don't like the bickering. What we want you to do is lay out your position, take actions, solve problems and let's get our arms around some of these issues that need to be addressed.
MS. HALL: Let me ask you, prior to Tuesday and the results there, were you saying this privately to be people within your party? Were you warning them of a possible problem?
REP. BLACKBURN: I think that all of us as we have been around the country and I did some work with Senator McCain's campaign in different states around the country and repeatedly from people -- they would come to us and say, you know, we're really frustrated with you guys. We feel like that you are focused too much on what is happening inside the Beltway in Washington, DC and too much on that game that takes place there and not enough on us and not enough on solving the problems with the economy.
People want to see their taxes reduced. They want to see the size of government reduced and they want the bureaucracy to actually shrink and they're looking at us and saying, why does this not happen?
MS. HALL: Yeah.
REP. BLACKBURN: Why are you not holding hearings? And why are you not taking action? And why are you not cutting the size of this government?
MS. HALL: But again, if this is what people were saying to you on the campaign trail, would you say that the party did not listen? When folks are coming up to you and telling you this is their observation and those changes, at least, were not being made, what happened there? Why was there a disconnect when you say yourself you were hearing it from people when you were out campaigning for Senator McCain?
REP. BLACKBURN: We were hearing it from people, that's right, and I will tell you this. I do think that we have, as Republicans, tried to make some of those reductions over the past two years and over the past two years, you have seen those in charge in Washington continue to grow the size of government. That has frustrated the American people, but what we need to do now is to refocus and to say, all right, these are the problems that are in front of us. How are we going to deal with some of the economic issues, whether it's the financial markets issues --
MS. HALL: Right.
REP. BLACKBURN: The jobs growth issue, the small business issues and begin to drill down in these in a very thoughtful way so that we are solving these problems and not pushing them, not kicking the can down the road, if you will.
MS. HALL: Let me ask you -- I want to look down the road --
REP. BLACKBURN: And leaving it to be solved six months or a year later.
MS. HALL: Because we're almost out of time.
REP. BLACKBURN: Yeah.
MS. HALL: I want to look down the road real quick and I want a gut check from you here. As a woman, as a leader in your party, do you believe four years from now, Sarah Palin will be the face of your party, the head of your party, the future of your party?
REP. BLACKBURN: I think that Sarah Palin certainly has the opportunity to be the face of our party. I think that there are many other very talented women in the House and the Senate that you are going to see also step up and take some leadership roles and they're going to be welcomed because they are articulate. They come from all corners of the country and they are going to do a great job in helping to lay out the agenda of how we move forward.
MS. HALL: Okay.
REP. BLACKBURN: With lowering taxes, freeing up small business, having a strong national defense and doing it in a way that is respectful to the taxpayer.
MS. HALL: All right, congresswoman. Thank you so much for your time. I certainly appreciate it.
REP. BLACKBURN: Thank you, Tamron.
Source: http://www.msnbc.msn.com/id/3719710/


text:
|Message view
|« Date » · « Thread »
|« Date » · « Thread »
|Jorg Heymans ...@domek.be>
|Re: Maven info wanted
|Thu, 28 Sep 2006 22:26:44 GMT
On 28 Sep 2006, at 17:52, Sylvain Wallez wrote: > > There is a good thing in Maven: the repository, where people can > pick up s/repository/concept of a central repository/ remember that repo1 and cvs.a.o were killing our builds initially, plus the fact that most of the pom metadata in the beginning was automatically converted from maven1 and thus quite crappy to say the least. (there is still a lot of cruft out there, ever tried to include hibernate in your project ?) > > With its POM and repository, Maven managed to create an amazing > dictatorship on the entire OSS Java community. That buggy tool > (because you call it dictatorship, i call it a 'standardisation effort' (and that's what you would've called it too had it worked flawlessly). > yes, it is buggy) with no clear documentation is becoming a vital part > of many projects. So vital actually, that it has endangered and > damaged > some of them. Yes it's buggy, yes it's lacking in documentation and no i don't understand either why some of the more crucial bugs are taking so long to fix (or why there are so many of them surfacing after you've scratched away some of the glossy paint). With 'endangered and damaged' i suppose you're referring to Cocoon, i'm curious to hear which other projects you know of that have taken the same route (and beating) ? I <snipped> the rest of your comments because it's getting late. You're touching on many valid points, so i better save my energy to debate them during the hackathon :-P Jorg
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text: 105 x 70B 3-1/2" x 15" Plate Specs Material: Aluminum, Brass, Bronze, Stainless Steel Fastener: #6 x 5⁄8" OH SMS; 1⁄4 -20 x 2-1⁄4" Thru Bolt & Finish Washer (standard 1-3⁄4" door) Options: Barrier Free available in 2-1⁄2" clearance — use BF prefix when ordering (BF105 x 70B) Advise if door thickness is other than 1-3⁄4" Mounting selections for standard duty 1/4-20 can be viewed under Mounting Details on this site Part Number Pull CTC Plate Size Weight ANSI A156.6 105 x 70B 3/4" dia. 5-1⁄2" 70 3-1⁄2" x 15" 2.1 lbs. J405 Close Downloads 105 x 70B-Pull Bars-Cut Sheet (.pdf, 215 kB) Close Finishes Description US ANSI/BHMA Polished Brass, Clear Coated US3 605 Satin Brass, Clear Coated US4 606 Satin Bronze, Clear Coated US10 612 Satin Oxidized Bronze, Oil Rubbed US10B 613 Dark Oxidized Satin Bronze, Equivalent US10BE 613E Polished Chrome Plated Brass US26 625 Satin Chrome Plated Brass US26D 626 Clear Anodized Aluminum US28 628 Polished Stainless Steel US32 629 Satin Stainless Steel US32D 630 Satin 316 Alloy Stainless Steel US32D316 --- Satin MicroShield Coated Stainless Steel US32DMS --- Close Line Drawings Close 125 x 70B 106 x 70C 148 x 77B


text:
That'll Do Seer Long Sleeve Flannel#MH515TSL $48.00 60
The RVCA That'll Do Seer is a slim fit, long sleeve woven button down shirt with a patch pocket at the left chest. The shirt includes hidden buttons at the collar points and a RVCA solo label at the pocket hem.
- 100% cotton


text:
African American Views of the Japanese: Solidarity or Sedition? (Suny Series, Global Conflict and Peace Education)
African American Views of the Japanese reveals a page of history long ignored. In black America, Japanese were not always known for racist remarks, Sambo images, and discriminatory hiring practices. Once, thousands of African Americans thought of the Japanese as "champions of the darker races." Here Reginald Kearney examines the role played by Japan and its people in the dreams of prosperity for many African Americans. He also uncovers the shock many blacks felt upon learning that this high regard for the Japanese had been betrayed by discriminatory remarks and actions. But overall Kearney remains optimistic that the African American-Japanese rift can be mended.
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text:
Local protesters rally against Monsanto
BEMIDJI — Local protesters rallied Saturday afternoon at the intersection of 3rd Street and Bemidji Avenue North against the agricultural biotechnology company Monsanto. Nearly 30 area community members with messages on cardboard and picket signs gathered at 1 p.m. as part of the multinational "March Against Monsanto" event to protest the company that has been accused of creating genetically modified organisms (GMOs) with potential harmful or deadly side effects. Protest organizer Sunny Savage said Monsanto's actions need to be addressed and accused them of "poisoning the earth." Monsanto is a leading producer of genetically engineered seed, herbicides and pesticides that many food growers worldwide utilize, which has many of the protesters concerned about the quality of food being produced. Activists in more than 250 cities were expected to participate in the affair, according to a "March Against Monsanto" press release. Sisters Dawn Cedarbloom and Brenda Mason, who manage an 80-acre farm just outside of Bemidji, were among the demonstrators gathered. According to the two sisters, organically grown produce is a top priority on their farm, a practice that is put in jeopardy with so many other farms using Monsanto products. "We're farming very close to another farm that uses a lot of those (Monsanto) products," said Cedarbloom, adding she has become more involved in raising awareness about Monsanto for over a year. "They do things with their crops without informing the public." For similar reasons, Jeff Erickson attended the event to aid in spreading awareness on food labeling. "I'm here because it's a subject that is deep and complicated and people need to know about it," Erickson said. "It's a major red flag to me that they (Monsanto) keep certain things from being labeled (on food products)." First-time protester Rita Kannon and her daughter Isabell were among other Bemidji families present at the demonstration who were concerned about the health effects GMOs can potentially pose to humans and the environment. "It's just common sense to me (to eat organic foods)," said Kannon. "People should really do their own research on the foods they purchase." 12-year-old Isabell said if the issue is important to her mother, it is important to her. "I just like to support my mom," she said. Kannon said their main reason for choosing to protest Monsanto was to bring about awareness in the Bemidji area. Article by Trent Opstedahl, reporter for the Bemidji Pioneer. firstname.lastname@example.com


text:
Each month, Rated People connects over 50,000 homeowners with quality tradesmen - simply enter your job details in the form above to get started.
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text: 9/25/08 9/23/08 POPSUGAR Fashion Jil Sander Milan Fashion Week: Jil Sander Spring 2009 September 23, 2008 by coutorture 0 Shares Chat with us on Facebook Messenger. Learn what's trending across POPSUGAR. View on One Page Photo 2 of 42 Start Slideshow ADVERTISEMENT () Share This Link Copy What's Your Reaction? Thanks for your reaction Don't forget to share this with your friends! ← Use Arrows Keys → 2 Previous Next Spring 2009 PhotosMilan Fashion Week Spring 2009Raf SimmonsGalleryRunwayJil Sander


text:
A recipe from the Good Food collection.
1.5 kg (3 lb 5 oz) small boiling potatoes, such as nicola, scrubbed
90 g (3 1/4 oz/1/2 cup) green olives, pitted and finely chopped
2 teaspoons capers, finely chopped
a handful of flat-leaf (Italian) parsley, chopped
1 teaspoon finely grated lemon zest
2 tablespoons lemon juice
2 garliccloves, crushed
125 ml (4 fl oz/1/2 cup) extra virgin olive oil
1. Boil the potatoes for 15 minutes, or until just tender when pierced with the tip of a sharp knife. Drain and cool slightly.
2. Meanwhile, put the remaining ingredients in a small bowl and whisk together with a fork.
3. Cut the warm potatoes in half and place in a serving bowl. Pour the dressing over and gently toss. Season to taste with freshly ground black pepper and a little sea salt if desired. Serve warm.


text:
Discussion in 'XenForo Questions and Support' started by flowerpot132, Mar 3, 2016.
Or set to to so long is might as well not be there.
Thank you
Minimum Time Between Messages (seconds)
Although be careful as it can cause spam issues and other things if you meant this.
Separate names with a comma.


text:
Gov. Peter Shumlin was surrounded by schoolchildren when he signed the Fiscal Year 2014 budget into law today. The governor chose to focus his remarks on two education initiatives included within the $1.4 billion bill.
Shumlin began by noting,"We had to close a $67 million budget gap without raising incomes taxes, sales taxes and meals taxes on hardworking Vermonters," before turning his attention to two monetarily minute pieces of the budget that, he said, are "critically important."
The two line items — one makes school lunch free for all students on the subsidized food program and the other offsets tuition hikes for Vermont students attending the University of Vermont or one of the Vermont State Colleges — encountered little resistance in the Legislature.
Vermont is now the first state to make school lunch free for students that qualify for a reduced-price lunch under the federal program. The budget allocates $322,250 for the expansion. The state already provides free lunch to families at 130 percent of the federal poverty line; now families at 185 percent of the federal poverty line will also qualify.
There was a simple rationale for making this change, according to Shumlin. "It should be a basic right that if you go to school and you're hungry, you get a meal," he said.
Marissa Parisi is the executive director for Hunger Free Vermont, which has pushed for the provision for several years. According to Parisi, when the Legislature passed a similar provision in 2008 that made breakfast free for all low-income families, participation jumped 85 percent.
The $2.5 million increase in the allocation to UVM, the Vermont State Colleges and the Vermont Student Assistance Corp. comes after five years of holding the state's investment in higher education steady.
"We have raised the allocation to those institutions so no Vermont kid will pay more at UVM next year than he did last year and to ensure that more students who go to the state colleges will not have to pay more next year than they did last year," Shumlin said.
UVM's tuition will increase 2.9 percent in 2014; at the Vermont State Colleges, the increase is 4 percent.
Shumlin signed the bill in the cafeteria of the Milton Elementary School, and one of the lawmakers by his side was Rep. Ron Hubert, a Republican from Milton. Hubert said he supports the governor's education agenda, but he is worried about the long-term costs.
"I think they are both good ideas. I'm hoping that we can maintain them in the future. They are both going to cost more money in the out years. I know everyone is touting how a great a job we did but it's a 4 percent increase in the budget which is really unsustainable in the long run," Hubert said.
Shumlin's emphasis on education isn't surprising — he focused exclusively on the subject at the start of the session, laying out a host of reforms, a handful of which made it into law. "This Legislature partnered with me to pass the most ambitious education initiatives that we've seen in years," Shumlin told the cluster of Milton students.
Shumlin was also successful in getting the Legislature to expand dual enrollment and early college programs. Several other initiatives languished, including a tuition reimbursement program for college graduates that major in a STEM (science, technology, engineering and mathematics) field and stay in the state, and plans to expand child-care and pre-kindergarten programs.
But most the debate between the unveiling of the governor's budget and the signing of the bill dwelt on an entirely different area of state government — human services.
Two of the topics that dominated the budgetary deliberations in the Legislature were Shumlin's proposal to fund a large investment in child care by reducing the state's Earned Income Tax Credit and his plan to put time limits on the family welfare program.
During brief speeches from the Legislature's key budget-writers — Senate Appropriations Chair Jane Kitchel, D-Caledonia, and House Appropriations Chair Martha Heath, D-Westford — also chose to highlight the school lunch expansion as a provision they were "particularly proud of."
After the ceremonial signing, Kitchel characterized her committee's achievements in the budget-writing arena in broader terms. Kitchel said her committee was focused on "how investments are being made, how systems are operated, and how to produced better outcomes," and, she added, "that's not very sexy."
Human services issues loomed front and center during many of those discussion.
"One of the areas that we certainly spent a lot of time on was programs in human services and looking at how they are operating and where we need to make improvements," she said. "A number of them came up — Reach Up, Developmental Services, and fuel assistance."
Kitchel also pointed out the $6 million investment in fuel assistance for low-income Vermonters marks the first time the state has included money for this program in the base General Fund appropriation
Kitchel's fellow Appropriations Committee member, Sen. Sally Fox, D-Chittenden, also said she is pleased with measured approach the Legislature settled on in the human services arena. "I'm happy that the human services programs came out pretty much whole. We are taking a good look at some of the issues about Reach Up before we actually implement any drastic changes."


text:
Return Policy
Online Return Policy: GEAR:30 will accept returns of new product that is in re-sellable condition within 30 days of the date of purchase for a full refund. Used or damaged product will not be accepted, except in cases of warranty. The customer is responsible for paying return shipping
Warranties: Used items may not be returned, except in the case of a warranty. Warranties will be handled on a case-by-case basis at GEAR:30's discretion. If you have a potential warranty, before returning any product, please contact GEAR:30 by calling 801-732-5870 or email [email protected]
Notice: Due to safety reasons, GEAR:30 will not take returns on climbing gear, mounted skis, and helmets of any kind, even if these items appear to be unused.
Instructions for Returns:
Please send returned product to:
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Please include a note with your name and address and a sentence or two explaining your reason for returning the product. This will simply help speed up the return/refund process and ensure we refund the correct person.


text:
Like Arduino Mega's IO, but bothered with the conflict of I/O pins when using shields with the Mega board during a project? Find it hard to take good advantage of the mega I/O pins? Try the Mega I/O multi-expansion shield to help solving the problem.
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text:
Kelty Daypack
Kelty Daypack
Sleek styling and shape allude to a vintage persona for this lightweight grab-and-go urban pack. Authentic ice axe loop and leather accents complete the look yet an internal organizer assures that your modern-day essentials will be kept in-place.
Animal Traffic
The embodiment of Portland's quirky style and adventurous culture, Animal Traffic is sure to take over your heart and wardrobe. It is almost a cultural experience walking into this boutique with the store's ambiance and the wares inside all paying homage to the Pacific Northwest and an outdoorsy lifestyle. Rustic yet refined, this boutique carries everything from apothecary and home scents to apparel, accessories, stationery and grooming products for guys and girls. The kicker? A solid roster of designers. Look for well-known favorites and obscure finds such as Timberland, Duluth Pack, Miista and Faribault.
Do you have questions about this product? We're here to help!


text:
Cool things I bet you didn't know about the F10
Ok, after reading the manual in detail, and playing with my car for a few hours, I found some obscure and interesting stuff that I bet some owners didn't know about them. Please feel free to add to this list, and if it is good enought, it could become a sticky.
1) After you move the vehicle in reverse, you don't need to push the safety button on the left of the shifter to move back to Drive. It makes a 3 point u-turn much faster.
2) You can pause, rewind and fast forward your Satellite Radio music, just like a Tivo! While playing a song, Just move the iDrive one click to the left, and select the 4th option down on the new pop-up menu that apears. Also, you can see ALL THE SONGS PLAYING in all the stations if you select Title view instead of Station view with the first icon on that same menu.
3) If you try to drive with your door open, the car will stop, engage the hand-brake and put the vehicle in P, all by itself.
4) If you turn off the engine, the car gets into P by itself. If you were in the Sports program (shift lever to the left), the car selects P, and then moves the lever to the right by itself.
5) There is a 12V power outlet below the glove box compartment. (Glove box closed, look up from the floor, towards the left).
6) If you open the trunk with your key-fob, or with the switch next to the hood release, the trunk unlocks and pops-open. No Convenience Package required... :)
7) For those with fold-down rear seats (don't know about the rest): When you fold down the center arm rest, there is a little piece behind it that pops open and gives you access to the trunk. That piece has a small compartment inside, suposedly for the Ski Bag.
8) When using the cross-hatch function in the Nav (to find a location in the map by moving the iDrive cursor left-right and up-down) you can move diagonally at any angle if you rotate the iDrive knob while tilting it left, right, up or down.
9) You can play the songs stored in your blackberry and control the playback thru the stereo if you connect your BBerry to the USB/iPod port in the armrest compartment and enable the USB Storage option on your blackberry. This also recharges your Bberry while you drive, and if you had it paired with bluetooth to the car, the playback will pause while you get a call, and resume where you left the song.
10) If you have the 2TB option (Sports Auto Transmission), you can configure Sports mode in the Dynamic Driving Control to only change the Chassis (if you don't have ZDH, only changes the steering wheel tighter) and this gives you a better feel, while saving you gas. If then you want to also change the engine and transmission, just flip the shifter to the left. This way, you don't have to be re-configuring the Sport setting every time.
11) If you floor the accelerator at a red light, you leave almost everyone in the dust and a stupid grin apears automatically in your face... :)
"No Convenience Package required"
"If you open the trunk with your key-fob, or with the switch next to the hood release, the trunk unlocks and pops-open. No Convenience Package required... "
Do I understand this correctly: the trunk opens all the way? The only difference from a power tailgate is that you have to manually close it?
Thank you Alex_C, this is a fascinating thread. I have one for you. If you have the rear view camera, leave the trunk open, and back up the following will happen. You see the sky on the I-Drive screen and the car warns you to close the trunk.
Do all cars have the vent hot air in a parked car for 30 mins feature? I had no idea about this till I started fiddling with the car.
What am I missing? The trunk lid on my 2007 530xi opens all the way when I depress the button on my key fob.
I don't think a lot of people know about 2). Why doesn't BMW talk about that more in their advertising campaigns?!?!? 9) is an awesome tip, can't wait to see if it works in my 2010 E70!
Excellent thread, thx.
I'd like to know more about the car venting hot air after 30 mins. Does it do it every 30 mins or just once? The reason I ask is I'm debating if I should get the ventilated seats or not. It gets pretty hot here in Atlanta during the summer and although my seats are gonna be oyster the car is gonna be jet black. I'm worried about spilling something on the seats with the perforated leather and damaging the fans or getting that smell that comes from moisture.
That's pretty awesome I'll definitely be using that. Is that standard or part of the active ventilated package? Thanks for the info.
will the ventilated seats also vent during that time?
Here's something I just noticed today. If it's dark outside, the numerals / text in the blackscreen under the instrument cluster (the gear indicator letter, the MPG indicators on the Efficient Dynamics readout, etc.) are the BMW orange. When it's light outside, they are white. Not really a feature I guess, other than the white would be really bright at night whereas the orange is better on the eyes.
Side mirrors deploy automatically at 25 mph if not already extended. Surprised me the other day when I took off and forgot to press the button.
Most of the electronic toys available on the F10 were already available on the E60. Some of them are probably better now (better software, ergonomics, etc.).
The only really new features are the DHP, camera, and front active seats and rear comfort seats. I also like the dashboard that incorporates the Nav and other info on there.
All those features OP talked about aren't really new. My 2010 e60 has all of them. Not sure whether they were available for earlier e60 or not.
I don't think you have #10... ;)
Maybe some of these may not be news if you already had them in your previous vehicle, but some of us who did no have a previous E60 (I had a 2008 E92 and had none of them), or had an older model before, my not be aware of them. :)
Cool features. Don't like number three though.
Great list. Some features have been around for a long time like the programable venting. I had it in 2002 but most did not know about it or use it. Cant wait to try the "TIVO" function on the sat radio when my F10 arrives. :thumbup:
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text:
Kobe Bryant Doesn't Take Back Trayvon Martin Comment
Kobe Bryant made this shocking statement about Trayvon Martin in an interview with The New Yorker.
"I won't react to something just because I'm supposed to, because I'm an African-American. That argument doesn't make any sense to me," Bryant said. "So we want to advance as a society and a culture, but, say, if something happens to an African-American we immediately come to his defense? Yet you want to talk about how far we've progressed as a society? Well, we've progressed as a society, then don't jump to somebody's defense just because they're African-American. You sit and you listen to the facts just like you would in any other situation, right? So I won't assert myself."
This comment angered folks and he followed up with this tweet in reaction of that.
Travon Martin was wronged THATS my opinion and thats what I believe the FACTS showed. The system did not work #myopinion #tweetURthoughts
— Kobe Bryant (@kobebryant) March 27, 2014
He also went on and replied to people who spewed angry comments his way.
@BDiesel37 maybe.. U have ur opinion, I have mine. Nothing wrong with disagreeing
— Kobe Bryant (@kobebryant) March 27, 2014
@sivartgreen @mdotDC Don't demand equality if you are unwilling to give it #myopinion
— Kobe Bryant (@kobebryant) March 27, 2014
What's your take on all of this?
Photo Credit: Getty Images
Written by @IAmVanessaDenis.


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Volunteer World is the world's leading comparison platform for international volunteer opportunities. We guide you through a safe and easy application process. Planning your next meaningful trip with Volunteer World gives you free access to our:
Develop a business plan for a vocational rehabilitation center (GLOWA Haus) to benefit victims and survivors of child trafficking.
The Volunteer task is to design a Business Plan for GLOWA Haus. GLOWA Haus is a rescue home under development by GLOWA in response to the demand for a sustainable and complete victims rehabilitation and survivor support scheme in Cameroon. Still at its development stage,the project is in dire need of volunteer to write a business plan and mentor GLOWA through a fund raising process for its implementation.
GLOWA Haus is kick-starting its operations with sewing and shoe-making center that shall also serve as a professional training center for rescued victims. For sustainability purposes, the project is designed to be a social enterprise that will produce and market a made-by-survivor brand in Cameroon and abroad. It shall engage trainees in community service and counter trafficking education as part of community reintegration process. The project is a great opportunity for volunteers especially graduate Business students to write their thesis or term paper on a real life project that is contributing to solving the global problem of child trafficking and exploitation.
The business plan Volunteers could also help design the internal procedures of GLOWA Haus, including job description, develop a filling system, case management protocol and any other tasks. S/he shall work five days a week (Mondays through Fridays), having weekends off. Just like Cameroon is considered as all of Africa in one country so is the North West Region (project area) considered as all of Cameroon in one region and offers enormous tourism opportunities. There is a Gorilla sanctuary just 10 miles from the city of Bamenda.
Every volunteers will get the weekend off and can visit museums and traditional palaces within the vicinity of Bamenda. There are many exotic restaurants, live music.There is a Gorilla Sanctuary about 10 miles from Bamenda. Sabga, a village of the Mborroro indigenous people is about 35minutes drive from Bamenda.
The region is hilly and good for hiking
Douala International Airport.
Douala International Airport is located about 480 kilometers from the city of Bamenda where the project office is located. A representative from GLOWA shall welcome the volunteer in Douala. The journey from Douala to Bamenda shall be by intercity public buses.
Accommodation shall be with a host family in a fenced compound with adequate security.
The volunteer shall have a single room with a guarantee of privacy.
Breakfast shall include Cameroon Coffee, chips and/or fried plantains including other spicy Cameroonian dishes
GLOWA is also able to provide vegetarian meals to volunteers with not too complicated dietary.


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Welcome to My Personal Finance Journey! If you are new here, please read the "About" or "First-Time Visitor" pages to find out more about us. If you would like to receive free updates on articles like this by email, then sign up here or you can subscribe to the RSS feed. Also, check us out on Twitter or Facebook. Thanks for visiting! Keep on learning!
Since I finished my undergraduate degree in 2008, I have been pretty good at aggressively saving for retirement and the future in general. For the most part, I have been able to do this simply by keeping my expenses low, being fortunate enough to have escaped college with no consumer debt, and also integrating saving in to my everyday life as a hobby (I am a personal finance blogger, after all!).
However, only recently, I realized that I had been doing something wrong all this time. While this mistake isn't something as serious as say racking up $50,000 worth of credit card debt via overspending, it is still significant and something that needs to be addressed. And, from what I've been reading recently, it is one mistake that is made by many young and middle-aged people because of what society has deemed as the "normal" way to invest for the future.
What was I doing wrong? Well, I realized that I have been so focused on saving (input) as much as possible and subsequently investing it with an appropriate strategy/asset allocation (execution), that I hadn't stopped to consider what ramifications my inputs and execution would have on the withdrawals I will eventually take as a result of investing (output).
Essentially, I have just been working under the assumption that if I save, save, save as much as possible and invest it appropriately, my future and retirement will take care of itself. After all, what more can someone do to prepare financially for the future except for save as much as possible? Nothing, right?
Wrong! By making sure that we not only save as much as we can but also place the savings in to appropriately structured buckets, we can more adequately prepare for the variety of financial situations that life throws our way.
Society's "Norm" for Investing for Retirement – The Good Ole' 401k
With the primary collapse of the traditional pension system of retirement income that one received after working for the same company for 30 years, the bulk of the emphasis society places on saving for retirement and the future these days is the traditional 401k.
If you're like me, you've no doubt been taught that if you don't have any other debt to payoff, have an established emergency fund, and have an adequate amount of liquid cash on hand to meet your predicted short term needs, putting as much money as possible in to a 401k account is absolutely one of the best things that you can do to prepare for the future because you get tax-deferred growth and tax deductions in the current tax year.
Sure, if you're fairly young like I am and meet income constraints, it is common knowledge that it's more advantageous to first make sure to fully fund a Roth IRA prior to fully funding a 401k (which I do each year). However, with the current annual contribution limit for IRA's being $5,500, a Roth IRA alone will likely not be sufficient to fund an extremely comfortable retirement, even if you've started early like I did at age 21-22. You will want/need to save more.
So, after exhausting the option of fully funding a Roth IRA, where did I (and I assume a lot of people) end up parking the bulk of their savings for retirement (with the exception of maybe a little bit of money here and there in taxable accounts)?
You guessed it – the 401k because of society's emphasis on all of the tax advantages that you get in the present time.
Problems with "Blindly" Parking a Majority of Your Savings in IRA and 401k Retirement Accounts
While IRA's and 401k retirement accounts are a very good way to save money (in my opinion), I have realized recently that they are slightly over-emphasized in the financial planning process.
Sure – they definitely have an important place, but I've recently concluded that in order to fully optimize my finances, they cannot be the ONLY main buckets in which I place money saved for long term needs. In addition, I have realized that I should frequently review my financial needs to determine what ramifications are incurred during the withdrawal process if/when a need arises that I need to access my savings.
There are two primary reasons/withdrawal considerations for why it is not a good idea to blindly "save as much as you can" in IRA and 401k accounts:
- Loss of Access
- While going through all of the minute details of treatment of withdrawals from retirement plans would likely take a post all by itself, it will suffice to say that savings parked in IRA's and 401k's are not very easily accessible. And, easy access to savings is without a doubt, a very powerful thing that I had been underestimating.
- For example, let's say that a fictional 22 year old man named Jim contributes $16,500 per year to his company's 401k. On top of that, he fully funds a Roth IRA with around $5,000 per year. He continues to save vigilantly in this manner for 10 years, at which time, he decides he wants to purchase a condo to rent out as a real estate investment and needs to find some money for a down payment.
- Since the purchase of rental real estate isn't a "qualifying" purchase, any money being withdrawn from his 401k would be hit with a 10% penalty and any earnings from his Roth IRA would have this same penalty (his contributions to his Roth IRA can be withdrawn at any time tax and penalty free, an important thing to know!).
- Essentially, the moral here is that you don't want to be in a situation where you are surprised because have a lot of net worth, but none of it is liquid/accessible to execute on the endeavors that you want to.
- The Effect of Taxes
- Yet another pitfall that I realized I have experienced by blindly saving as much as I can in retirement accounts over the past few years is the effect of taxes on the withdrawal side.
- Basically, the question here becomes when do you want to pay the income taxes on your savings – now or in the future?
- With traditional IRA's and 401k's, even though you are not taxed in the current year for the money, you will definitely pay a good chunk of income tax on the withdrawals after the money has experienced years of compounding.
- For example, do you want to pay income taxes on $1000 today or income tax on ~$45,000 after that $1000 has grown at 10% per year in the stock market for 40 years.
- As I mentioned above, I definitely have realized and am utilizing the Roth IRA as a way to achieve tax free income in retirement (since the contributions are after-tax when they go in).
- Essentially, I would rather pay the income tax now since I have a very low 20-30% overall tax rate as opposed to later in life when I have more savings compounded and income (and likely the government increases tax rates to deal with health care, Social Security, etc, but that is only speculation).
- However, after maxing out my Roth IRA, the mistake I made was that I just sort of blindly assumed that there were no other tax-free options worth looking in to that would be better than a traditional 401k because the 401k is generally assumed to be a great thing!
- Thus, for the past few years, I have been dumping as much as I could in to my employer's or self-employed 401k accounts.
If you're like me, you have likely read these access and tax provisions/considerations many times before.
You know – it's the stuff that's in fine print on the account signup forms and/or lumped in to the category in our heads as "boring tax stuff that I don't have to really need to pay attention to." For me specifically, what I realized was that even though I was reading these details, they weren't sticking because I just assumed that it wasn't a big deal because it would "happen some distant time in the future," and everything would magically work out since I used the popular 401k! In other words, I was reading the facts, but wasn't making the connection about what it would be like to LIVE the considerations. This is a huge difference that you want to make sure to be on the right side of!
As I mentioned above, the point of this post is not to say that IRA's and 401k's are evil or bad. They are actually quite good.
However, the key thing to remember is that before you commit to putting any significant amount of money in to one of these buckets now, make sure you acutely understand not only the benefits (which society touts readily), but also the things you will lose in regards to 1) access and 2) taxes on withdrawals 10+ years down the road.
After thinking about these considerations, you may conclude that you're on track exactly like you need to be. If this is the case, then great! Just keep on saving as much as you can and diverting the funds to your retirement accounts. However, I imagine that most people (including myself) are somewhere in the middle in that we are on track pretty much, but still have some room to improve upon the positioning of our long term savings in buckets that are slightly more accessible (without penalty).
How about you all? In thinking about your current asset distribution, do you feel that you are placing too much, too little, or an appropriate amount of savings in to retirement accounts vs. other vehicles? What would say the %'s are for your assets in retirement vs. non-retirement accounts?
Would you prefer to pay taxes now or when you receive income during retirement?
Share your experiences by commenting below!
***Photo courtesy of http://pixabay.com/get/1f6984b99b1d905f282e/1363046890/sign-41432.png


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Multiple digital data pages (480 kbits per page) were holographically recorded and retrieved with low bit-error rates in thick ( and ) photopolymer media. The photopolymer systems were fabricated with the optical quality and low level of scatter required for digital data storage. We believe that these results represent the first demonstration of holographic storage of high-capacity digital data pages in photopolymer media with the thickness that will be required for such storage densities.
© 1998 Optical Society of AmericaFull Article | PDF Article
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Appl. Opt. 43(25) 4902-4914 (2004)


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If you're like me, you're always looking for ways to make developing a new habit easier.
Life is so much better when you feel good, have time to do the things that bring you happiness and be with the people you love.
No kidding, right? I bet that's what your thinking…how obvious! But how many women do you know who really are healthy, happy and living a life that they love? Probably not that many. Maybe none. Do you wonder if it is even possible in this day and age where multi-tasking and being "on" 24/7 seems to be the status quo? Do you constantly rationalize that you would be happier, healthier, more organized, etc. if you just had more TIME?
If these thoughts seem all too familiar, you are not alone and I can help. Help you learn to eat better and live a better life. Help you teach your kids to understand why a nutritious diet really does matter and to incorporate healthy eating habits that will last them a lifetime. Help you take control of your time and fit the things in that are most important to you.
You deserve nothing less. No more excuses. It is time to live your most spectacular life!
What's my secret? I "walk my talk." It wasn't easy to figure out and I've spent the last fifteen years discovering and researching what works! Armed with this information, I created a program that takes the absolute best strategies, techniques and tips and share them with other women who are on the same quest.
Ready for a happier and healthier life? Click here now.
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Behati Prinsloo for Juicy Couture
Behati Prinsloo is the face of Juicy Couture's upcoming fragrance.
The 25-year-old model has been signed by cosmetics and fragrance giant Elizabeth Arden Inc. - which holds the licenses to Juicy Couture's scented offerings - to front a new perfume to be released in July.
While the name and any further information about the venture hasn't been disclosed, Robin Mason, senior vice president of global marketing at Elizabeth Arden, was happy to speak about the fashion star's new role.
"The new Juicy Couture fragrance makes a statement, and in Behati we found the perfect girl to capture the spirit of the brand," Robin told WWD. "Behati is a dynamic woman with global appeal."
It's more than likely Behati's hunky husband Adam Levine will be impressed with her landing the role as he has released his own fragrances for men and women in the past.
Behati was first discovered by Storm Model Management aged 16 while holidaying in Cape Town and has become a firm figure in the fashion world since. On top of her being a Victoria's Secret Angel the brunette beauty has walked for high-end labels such as Chanel, Zac Posen and MaxMara throughout career.
Her stunning looks and slender figure are admired by many, but Behati has previously admitted she still suffers hang-ups.
"There are always times when you feel unsure," she told German newspaper Bild.
"When you get the feeling you're being judged. Or when you don't get the job and think you're being judged."
Despite being a natural on the runway, Behati also revealed she initially dreamed of being a air hostess as she thought it was a "glamorous" career.
Cover Media


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Top Ten Soccer (Football) Teams of the 2012-2013 Season
The Contenders: Page 5
Paok is the best team in the world because he has fans all over the world
Was fantastic this sees on and should be higher then Aston villa as they finished 15th and west brom got 8th place and drawed 5-5 with Manchester United, west brom should get more credit then they are getting nowV 3 Comments
Best banker of the day for betting
I think Dundalk should be ahead of those lads there town is the roughest place in Ireland
- one of the best club in Asia
- Top Asian footballer like: Ki Sung Yueng (Swansea City), Lee Chung Yong(Bolton Wanders) and Park Chu Young(Arsenal, Celta Vigo) played for FC Seoul
I think that they are the best team in Asia
Bontang Fc is club the best in Bontang
We are better than the non prem English teams because we managed to get promotion unlike them
Well now in the premier league with new signings but are one of the favourite to go back down
Cardiff city cardiff city fc greatest team in football the world has ever seen.
THE BEST IN Ireland, THEY ROCK, MARINO DESERVE TO BE IN THE TOP TWENTY, because THEY ARE AMAZING, ALSO THE HAVE AMAZING YOUTH SYSTEMV 1 Comment
Lies, Pele Played for Santos look it up.
The most popular team in Brazil, it was the first in setling p layers in Brazilian team also creates players like Garrincha, second best of history after Pelé, Jairzinho, Tulio Maravilha, Nilton Santos and so many others!
Play total football under Hughes! Heard it here first! Can beat anyone on a wet windy Tuesday night at fortress Britannia!
The best Mexican team in the world they are the best!
América should be number 1
Recommended Lists
Related ListsTop 10 Youngsters of the European Football 2012-2013 Season Top Ten NBA Teams of the 2012-2013 Season NFL Teams Most Likely to Have a Winning 2012-2013 Season Best European Football/Soccer Teams of the 2015/16 Season Best Football (Soccer) Teams of 2013/14
List StatsUpdated 24 Jul 2017
193 listings
4 years, 343 days old
Top Remixes (168)
2. Bayern Munich
3. Barcelona
2. Borussia Dortmund
3. Manchester United
2. Real Madrid
3. Barcelona
View All 168


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Zoom (2015) 720p WEB-DL DD5.1 x264-BDP
Size: 1466576719 bytes (1.37 GiB), duration: 01:33:13, avg.bitrate: 2098 kb/s
Audio: ac3, 48000 Hz, 6 channels, s16
Video: h264, yuv420p, 1280x538, 25.00 fps(r)
Genre: Animation | Comedy | Drama
IMDB info
A multi-dimensional interface between a comic book artist, a novelist, and a film director. Each lives in a separate reality but authors a story about one of the others.
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JadeWifeyModel Female
My Website: www.myspace.com/JadeWifeyMy MM URL: http://www.modelmayhem.com/jadewifey
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working on my growing modeling career
Interested in Videos,photoshoots,television etc.
no nudes, only Implied
don't do free assignments
Have you worked with JadeWifey? Add Credits for JadeWifey! >>
Credit NotesShow magazines OCT. Cover Girl
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Rody photography Photographer
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Housekeeper in Barrie
Ava Mon - fri weekly or by weekly or monthy, I have years experience in cleaning in resorts and hotels, now looking to expand on own. I charge by size of house and how many rooms. Ava in north end barrie, shanty bay, oro, hawkstone, craighurst. Clean kitchen surfaces, family rooms, bedrooms, bathrooms, other rooms, dust, sweaping, vacuum, polish
Housekeeper Details
|Email Address
|Phone Number
|705-331-... Confirmed
|Provider Type
Bathroom Cleaning
Kitchen Cleaning
General Room Cleaning
Change Bed Linens
Surface Polishing
Take Out Trash/Recycling
Notes made here will only be seen by you. If you want to message the owner of this listing
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Russell Wilson steps behind camera for Ciara beach photoshoot
Russell Wilson and his new fiancèe, Ciara, are celebrating their recent engagement with some beach time and Wilson showed that he is as comfortable behind the lens as he is under center while snapping some shots of the R&B singer.
According to ABC News, the pair are vacationing in the Seychelles in the Indian Ocean, and it looks like a lovely place to be.
• Von Miller was in the audience for The Bachelor: After the Final Rose
The couple has not yet announced a date for the nuptials but considering OTAs and mini-camps start earlier each year, the busy couple may have a harder time than most at finding a free moment.
– Brendan Maloy


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Learning curve at MetLife is huge,
Get new comments by email
|Comments (1)
alwaysbeselling in Orlando, Florida
83 months ago
Once you have passed you series 6 test and life, health and annuity state test. You are hired. On my first two weeks I called several of my past client's and two were ready to apply for life insurance. I asked the 'trainer' how I would go about this over the phone since the people lived over 25 miles away. He stated, 'we don't sell over the phoe' and walked away. I then thought well, I guess I'll drive to their home. So I set the appointment. Let the 'trainer' know and he said great and handed me a life application packet. That was it! No instructions; these are the questions we ask, these boxes need to be checked, schedule a parmed, etc. I went to the client's home, sat there with the application and opened it. Did not have the first clue. Called the office to go over each page, over the phone with the 'trainer'. This is your training.
Another way they train is partnering up with a 'seasoned' agent. You bring deals to them. And you split 50%/50% of the commission. That's it. So pay attention to everything they do. There is no sit down side-by-side going over scenarios.
Then there is the wholesale rep. who comes in once a month. The wholesale rep. works for MetLife on salary, who worked in the trenches as an agent or manager at some point with MetLife, before the 'do not call list' and the caller ID machines, before the economy took the plundge...they sell you on Life isurance and Annuities or Disability for two or three hours. Your eyes will glaze over eventually listenig to all of this. They will give high dollar scenarios; such as a multimillionaire needing a 1.Mil. policy at $20k a month premium payments. And then after awhile you will start asking yourself, 'Where are all those millionaires needing these large policies?
You will be told that they provide leads, base leads including existing client's. These people are tired of being called and will let you know it.
» Sign in or create an account to comment on this topic.


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Family Law
Family Law Questions? Ask a Family Lawyer Online.
We do not have a lot of marital assets. I did purchase a home prior to the marriage or 3.5 years prior. We have acquired very little together while married.
Her credit is bad so she drives a car that is in my name but she makes the payments and that's it. I pay for the mortgage on the house, and all the other bills.
I have talked to an attorney in the Tucson area but have not retained him yet, as I am still accessing the financial impact and as my company has indicated that they have seen settlements from the cash based pension program via the QDRO process.
You can find an experienced local divorce attorney by using this well trusted and reliable attorney information / referral websites:
I wish you the best of luck and please let me know if you have any related follow up questions.


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Destiny is not what is already made by our ancestors. Destiny is what a particular individual makes out of our own lives. In simpler terms destiny can be defined as the difference between those set of ordinary people who stay ordinary all their lives and those few ordinary people who analyze their strengths and strategically move forward to reach their life goals and work religiously hard to turn themselves into extraordinary people. The internal quotient to do, to achieve and embrace the unknown is their ability to create something extraordinary of their lives.
You out there too can be what you wish to be. What's the worst that can happen? You might not succeed. Know that will not be the end of life. Life has endless opportunities. It just depends on you to pick yourself up strong and get gong to embrace the endless possibilities that lie ahead.
1. Evaluate your potential
Remember each individual is born with limitless potential. It all depends on you whether you choose to use your potential or abuse it.
2. Transcend your nature
Every individual has the ability to transform him/her into whatever he or she wishes to be. You just need to start step by step; towards building your dream brick by brick ad soon you will be able to construct your life as per your choice. You just need to be careful at making progressive choices rather than making choices that would stagnant your journey to success.
3. Make the right choice of domain
The journey to achieving your goal would seem easy by making choice of the stagnant choices in the known domain. It all depends on your wishful choice to stagnant in the known possibilities or opt for wider uncertainties that offer limitless possibilities.
4. As a man seek certainty
Life is full of uncertainty and chaos and you surely would want to stay away from that chaos. You surely would want to be sure, clear, predictable, confident and convinced about the choice you have made and be sure that it will secure your future.
5. Opt for chaotic randomness
If you have it in you to create something of the unknown uncertainties to discover oneself you can opt for a career potential that allows you to seek adventure, suspense, risk and allows you to explore endless possibilities and experience freshness and newness in everything you do.
6. Experiment- know no new venture guarantees success
Profits are not guaranteed in any new or old diversification. However you will never know the risks until you face them. Similarly, you would not even know the opportunity that might come by unless you take that risk. There is no security in anything in this life anywhere.
7. No success without failures
A simple example here would be while in my first grade you would not be able to furnish essays with optimum ease on each and every topic. You might have opted for options such as buying essays online safe to submit your professor or must have opted to research and read and then pen down something much better to what was written before by you. Can you really term it as your failure or the end of the world? No surely not? So just remember the very fact that your little failures turned out to be successful achievements in the future it implies that failure are in no way wrong. So let your fear of failure drown you and curb you to take daring steps in to the infinite possibilities of the future that lie ahead.
Also see: 4 Reasons Why You Need to Fail In Order To Succeed
8. Know the historical evidence of the past
The achievements of the unknown future are quite visible from the list of reference mentioned below:
a) Abhishek Bacchan, an actor by profession was a dyslexic while in school and had a reading and writing disability. However, what he has made of himself today is completely commendable.
b) Einstein always had a complaint of poor grades from his teachers and teachers often commented negative and were doubtful if he would be able to make anything meaningful of his life. Hasn't he.. He has!!
c) Similarly both Newton and Edison performed badly while in school. Yet all of them in life created a mark for themselves and are known in the history as achievers.
9. Do not estimate the future possibilities based on your past achievements
The future possibilities are unknown. The future you hold is not equivalent to your achievements either in your past or present. What you are and what you can be is limitless in itself and completely inconsequential to what you can achieve in your life.
10. Throw yourself into the unknown
Plan and execute what you never thought you would do. Make a rebellious and daring move if the need be. Any trial, any hardships that you undergo and face today will eventually transcend your future and prepare you to take any test of life.
Do not forget all the inventions and discoveries that happened in this world have come from people who ventured with complete determination and confidence to conquer the unknown certainties of life.
Death is certain. Life never is and never can be certain. This in no way means you should lead a life of a vagabond. It just means you should never cease to explore and keep producing excellence in whatever you choose to do in this lifetime. Get going reset your standards and march ahead to master the current path and venture into a new one.
However tough the consequences may seem, step up –build your confidence and do things that you have never done before. Let the future lead you from here on!
Say to yourself each day" The road ahead seems tough, however i am willing to break with the known and work my way out carve a path and seek breakthroughs. I am sure to leave my signature in the history of time"
All the best!!