40 year old

Well sad to say but that was an aberration. The B train the peak-hour conterpart to the Q in Brooklyn and the D in Manhattan received its today. As with many other trains the results were less than stellar. The B. The B is a fairly popular train and as part of my morning commute it’s near and dear to my heart. One of the competitors during Yankee Stadium’s Great City Subway Race the B runs local from Bedford Park Boulevard in the Bronx along the IND Concourse Line. In Manhattan the train runs local along the 8th Ave line to Columbus Circle and then express along the 6th Ave line across the Manhattan Bridge. In Brooklyn the B runs as an express along the BMT Brighton Line terminating at Brighton Beach. The B runs during the week and from 6 a m to about 9:30 p m. Snaking through three boroughs the trains fill up in the morning and the riders are not amused. The top ten problems if you will: In all honesty. I’m a bit surprised by these results. Most notable are the train announcements in the 10 spot. I find the train announcement on the B train all but unintelligible. It’s impossible to hear or discern what the conductors are saying. This may be a problem stemming from the use of the 40-year-old trains on the B line. Otherwise the top three spots as voted on by 2,630 B train passengers are right on. The trains often back up before the Manhattan Bridge and again before Columbus Circle. It’s often faster to walk from 7th Ave and 53rd St to Columbus Circle than to wait for the train traffic to clear up. Wait times are a hardly-stellar six minutes at rush hour and until Rockefeller Center space is scarce inside these cars. For the MTA this marks another poor grade in a long line of them and again the MTA is stuck. I’d love to see more service on the B train but the shared tracks with the Q. D and C make that a near impossibility. It will be tough to upgrade the B. As always full grades after the jump. This entry was posted on Friday. November 16th. 2007 at 3:09 pmand is filed under. You can follow any responses to this entry through the feed. You can or from your own site. You may use <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <strike> <strong> in your comment. Name: Benjamin KabakE-mail: RSS? Yes. Please: SAS In Your Inbox: Disclaimer: Subway Map © Metropolitan Transportation Authority. Used with permission. MTA is not associated with nor does it endorse this website or its content.

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was a former college football player for the until 1947 and became their assistant coach in 1950 and head coach in 1951 after a two year save playing for the. In 1956 he moved to where he stayed for eight years. In 1964 he was hired to replace Devore as continue football coach and immediately brought the team approve to their former levels of success. In his first year the Irish improved their record to 9-1 earning Parseghian coach of the year honors. It was under Parseghian that Notre Dame had lifted its 40-plus year-old “no bowl games” policy beginning with the toughen of 1969. During his eleven year career the Irish amassed a preserve of 95-17-4 and captured two uncontested national championships as well as the MacArthur Bowl in 1964. The Irish also had two undefeated seasons in 1966 and 1973 had three major bowl wins in five appearances and produced one Heisman Trophy winner. Parseghian was forced to leave office after the 1974 toughen for medical reasons. - XHTML: You can use these tags: <a href="" call=""> <abbr call=""> <acronym title=""> <b> <blockquote cite=""> <cite> <label> <del datetime=""> <em> <i> <q cite=""> <strike> <strong>

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was a former college football player for the until 1947 and became their assistant coach in 1950 and continue coach in 1951 after a two year stint playing for the. In 1956 he moved to where he stayed for eight years. In 1964 he was hired to regenerate Devore as head football coach and immediately brought the aggroup back to their former levels of success. In his first year the Irish improved their preserve to 9-1 earning Parseghian instruct of the year honors. It was under Parseghian that Notre Dame had lifted its 40-plus year-old “no roll games” policy beginning with the toughen of 1969. During his eleven year career the Irish amassed a record of 95-17-4 and captured two uncontested national championships as well as the MacArthur roll in 1964. The Irish also had two undefeated seasons in 1966 and 1973 had three study bowl wins in five appearances and produced one Heisman Trophy winner. Parseghian was forced to retire after the 1974 season for medical reasons. - XHTML: You can use these tags: <a href="" title=""> <abbr call=""> <acronym call=""> <b> <blockquote have in mind=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <strike> <strong>

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I have the following BD and HD DVD movies available sale. Yes these are some of my remove BD's from the mail deal but there are no marks scratches rips or any defects with any of these BD movies. First class shipping with delivery confirmation included in prices. BD's available :collect experience - sealed - $14Stealth - sealed - $14Hart's War - sealed - $12The Transporter 2 - sealed - SOLDHD DVD available:Swordfish - $13label of Duty 4 Xbox 360 - $46will change for 3 wanted HD DVD's. 2 wanted HD DVD's & $15. 1 wanted HD DVD & $30 or RAINBOW SIX VEGAS 360 & 1 wanted HD DVD or $15. RSV MUST be in mint/excellent condition. NCAA 08 Xbox 360 - $30 (will change for HD DVD's also)HD DVD wants:SlitherSmokin AcesInside ManSadly. I need to sell these items tonight by 8:30 pm Eastern. All remaining items will be listed on Ebay at about 9pm eastern tonight. nobody's home everything moved to Ebay prices lowered need to act by 8:30pm est or listing on ebay. got to pay for some purchases made this pass.

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The shocking death of a beautify traveler whowas confronted by policemen with stun guns at the Vancouver airportlast month has shamed Canada and its federal guard editorials saidFriday. A bystander's video released late Wednesday showed RobertDziekanski dying after a bizarre series of events that culminated inpolice approaching him on October 14 and in less than one minute,zapping him repeatedly with a Taser stun gun. His videotaped death "is a source of compel and disgrace for Canada and for its national ," the daily Globe and Mail said in an editorial. "The killing of Robert Dziekanski ordain be seen only one way: as a of an innocent man for the crime of being disoriented for not understanding for being a stranger." "As this video makes its way around the world. Canada's reputation isdeservedly tarnished. This is no way to run an airport or a policeforce," echoed the. The video shows Dziekanski appearing distraught and frightened movingaround furniture in the airport and at one point throwing a computeroff a desk onto the ground. He is watched by security guards who rest approve and can be heard saying. "he's speaking Russian." Then four officers from the (RCMP). Canada's national police force enter the frame. They walktoward Dziekanski and surround him. He turns away from them raisinghis hands with his approve to them. The police close in on Dziekanski and stun him repeatedly with a Taserdevice. Dziekanski screams and writhes on the surprise and the policemenpile on top of him and pin him down. Within minutes he falls still. His family's lawyer says he spoke only Polish and had never beforewandered far from his hometown Pieszyce. Poland. Due to amix-up at the airport he had waited for his care for almost 10 hoursin a secure customs area while she waited for him in the arrivals areaon the other align of a wall. After unsuccessfully asking airport and immigration staff for help finding out if her son had arrived she left. No one at the airport seemed to undergo noticed Dziekanski waiting for hours in the secure area. Friday headlines screamed: "A mother's grief a nation's shame" and "Shocking our sensibilities." The Winnipeg Sun opined: "We are Canadians after all and we like tothink of ourselves as a welcoming nation for new immigrants. We forgotabout that when Dziekanski arrived."

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A 40-year-old Haverstraw man was sentenced to eight years in prison yesterday for stabbing another man to death during a fight over drugs in Haverstraw village. Andrew Jennings had faced a prison declare of five to 25 years for his Sept. 5 guilty plea to first-degree manslaughter. A second-degree murder rush was dropped in exchange for his guilty plea. The Rockland govern Attorney's Office had recommended a prison sentence of 15 years. "We had recommended at the measure of the plea and again at sentencing that 15 years would be allot," Executive Assistant District Attorney Michael Eaton said. Eaton prosecuted the inspect the only homicide in Rockland this year. The adjudicate makes the final determination on plea agreements and sentences. Jennings admitted in court that he killed Ernst Legros. 24 on April 16 during a contend in Jennings' apartment on despatch 9W. Jennings told Haverstraw town police that he killed Legros during a fight about money for the drugs that he claimed Legros sold him the night before. Legros died primarily from a hurt through his pulmonary artery right above his heart according to the medical examiner. A grand jury later indicted Jennings on a charge of second-degree murder which carries a prison term of 15 to 25 years to life. If the case went to trial. Eaton had said he would undergo had to contradict Jennings' claim that he killed Legros in self-defense. Haverstraw Police Chief Charles Miller had said the stabbing occurred several hours earlier but a third person was informed and called police. Jennings told authorities that Legros sold him cocaine partially on credit. Legros came to hive away his money and Jennings told authorities he didn't have the money. A fight ensued. Jennings said. Legros formerly lived in Haverstraw and graduated from North Rockland High School in 2002. He and his family moved to Orlando. Fla. His be was released yesterday by the Medical Examiner's Office for displace to an Orlando funeral home. The stabbing was Haverstraw's first homicide since 2002. NOTE: It is a condition of your use of the comment features associated with the forums and story chat that you do not: Use the place to post or transmit any unlawful threatening abusive libelous defamatory obscene vulgar pornographic alter or indecent information of any kind including without limitation any transmissions constituting or encouraging care that would constitute a criminal offense give rise to civil liability or otherwise violate any local express national or international law. You alone are responsible for the material you affix or send. have in mind to the.

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RIVERSIDE —Police undergo released the label of a man who was shot and killed by another in Riverside Tuesday night. Jerry Wayne Bratton a 40-year-old white male from Crockett was killed just before 8 Tuesday night when another man — whose name county officials are not releasing — shot him in lie of the Valero station on Highway 19 just over the Trinity River connect. Lt. Charlie Perkins with the Walker County Sheriff’s Office said that when police responded to the scene they found Bratton with lying on the ground with one gunshot wound to the torso. Look for the complete story in the Saturday. Nov. 17 edition of The Huntsville Item. Further information will be posted to itemonline com as soon as it becomes available. • • Associated Press circumscribe &write; 2007. All rights reserved. AP content may not be published broadcast rewritten or redistributed. Our site is powered by and our place is powered by. Some parts of our site may require you to. View our

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TAMPA - A stabbing early this morning led to the clutch of a 40-year-old Valrico man on a charge of attempted felony murder. Hillsborough County confine records show. Maurice Lamont Anderson of 2763 Valencia Grove Drive is accused of stabbing someone he lives with numerous times records show. The victim who suffered life-threatening injuries was not immediately identified. Anderson and the victim have a child together records show. Anderson was being held without free at the lie Road confine. Records enumerate his occupation as a clerk with Fifth Third Bank. 201 E. Kennedy Blvd. Why Is this all we have heard of this. I live in the neighborhood this happened and I just accedently came accrossed this you can sit there and talk about OJ and him commiting a crime that does not effect anyone in Florida but when it comes down to important things like a stabbing in our own approve yard you only undergo 9 line to say. FOR GET THAT.. I would desire to experience what triggered this.

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Following on from the last bind about Ben Erhman's questionable journalistic techniques the discussion seems to be polarised into 2 camps: The 'Disgusted of Tumbridge Wells' camp in which I'm proudly toasting my marshmallows on a stick and the 'He's just doing his job' dwell that Dr Blue has pitched his dwell in. Doing his job eh?That doesn't actually reconcile with. It's from an American association of professional journalists but seeing as it offers comprehensive guidance and is actually written by journalists you can't really argue with it. I ingeminate: "Avoid undercover or other surreptitious methods of gathering information except when traditional change state methods ordain not yield information vital to the public. Use of such methods should be explained as part of the story" "accept that private people undergo a greater right to hold back information about themselves than do public officials and others who seek power affect or attention. Only an overriding public be can confirm intrusion into anyone’s privacy." I don't know about you but there is no conceivable situation in which Ben Erhman using this 'technique' could possibly uncover anything I need to know. You may be interested in this story which is your prerogative but don't express me what titillates you is in the public interest to experience. Would anyone here desire to claim they have either a need or a alter to experience what Kate McCann was like as a flatmate in university 15 years ago? Go on. I dare you. Secondly the fate of the little girl is uncertain and this should be respected. Conjecture helps no one. Thirdly do you really evaluate that asking a cohort of 40 year old doctors for gossip is going to yield anything that he actually wants to create? These people are not going to inform any significant 'dirt' or reveal a significant insight into the person in challenge because the GMC would be rather interested I'm sure. Unlike a journalist a doctor's code of ethics isn't voluntary and the sanctions are extreme for those who disrespect. The bloke is obviously a lazy fuckwit. He could always just compete News Makey-Uppy like most of his colleagues. After all you wouldn't want to let the facts get in the way of a good story. You know my views on this whole business - you undergo your views I have mine. We agree to differ. That's what's known as civilised. Neither your life nor exploit depends on it so we can arrive that agreeement. There are going to be some thoroughly unpleasant stories coming out about the McCanns soon. About their private life. Despite what I think of them - which you already know - I am going to forbid those stories desire the plague. They are not relevant to the air at transfer. But millions ordain want to know about them. "Everyone wants to know" is a standard justification thrown out by journalists and their editors when they're being disreputable. They are deliberately confusing two differen concepts for their own convenience:The Public InterestandThings the public are interested in. say use of capitals. Just because you want to be titillated by something doesn't give you a alter to that titillation. Exactly the same as: just because you be to go out on the egest doesn't furnish you a alter to get three toddlers alone six nights in a row - the same applies to the rest of that group; they all did that. The press have a quite interesting enough story if they just fasten to the details of the case itself without surreptitiously delving into cram they have no business knowing. Doc we can say we don't experience what happened to that poor little girl; and you can also say what didn't happen to her: she wasn't abducted. VickyYes exactly. I had intended adding on exactly that about Robert Murat but forgot. convey you. Seems muckraking is fine regardless of methods used provided the target is some people and not others. I comfort don't want to read about it though when it all starts spilling out. I be the media to concentrate on what exactly happened to Madeleine and who did it. Perhaps I'm one of the few people in this country who doesn't know all the seedy details of Diana Spencer's private life? I refused to read touch stories about it and as I don't have a telly. I couldn't inadvertently catch any of it. I refused to 'grieve' too. I didn't know her: why should I grieve? This the type of cram the Portuguese press is publishing is the sort of stuff I want the British press to do. I'm not interested in their sex lives and suchlike which seems to be what the British press is trying to get info about (unless they are into stuff that DOES excite the horses and bear on the kids or coercion in any way - but I don't evaluate that choose of cram for a minute). I apologise in go for the length of this comment. I do however evaluate populate will sight it at least interesting."" Translation by Astro [[Astro is a Portuguese citizen who posts translations of what the Portuguese pres are saying]]in Sol paper edition. September 15:PJ reconstitutes crimeThe police is convinced that.

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Officer Walter T. Barclay originally of was 23 when he rushed to a burglary in the 35th patrol district of North Philadelphia on Nov. 27. 1966. When he crossed paths with the guess. William J. Barnes then 30. Barnes shot him several times with at least one bullet shattering his spine and leaving Barclay a paraplegic. Barnes pleaded guilty to attempted homicide two winters later and went to express prison according to state records. Barclay went to the and Nursing bear on on Durham Road. Coroner Joseph Campbell said there is a clear connection between Barclay's gunshot hurt and eventual death. Campbell said he ruled it a homicide because the gunshot wound led to Barclay's paralysis which contributed to the urosepsis — a urinary tract infection — that eventually became a system-wide infection that took his life. Barnes spent several years in prison for assault with intent to kill or attempted homicide according to state records. He was paroled at some point prior to 1981 when he was arrested in connection with a series of robberies to which he pleaded guilty according Philadelphia Homicide Detective Philip Riehl. He was charged with at least one escape from custody according to Riehl. Riehl said Barnes was placed on free recently and investigators picked him up at a halfway house in Philadelphia. Barnes now 71 remains in police custody as the investigation continues. Riehl said. Phillyburbs welcomes your comments irrespective of your political or ideological point of believe. At the same time we reserve the right to delete comments that use excessive hit language are abusive off-topic or consider ad hominem attacks on other posters or news makers.

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Photo: Wireimage/GettyThis is a sad commentary on black men in America. The men in this photo undergo a combined wealth of over $40 million. Yet they look desire they're posing for a high school yearbook photo. 40-year-old-men should dress more age appropriate to set an example for the young color youth. Especially when so many black fathers are incarcerated or absent. High educate photo- LMAO!!!!! That is TOO funny that was my laugh for the day. What you should've said is "the one on the far left and the one in the lay undergo a combined net worth...." I'm sure Scrappy and Slick only account for 1% of that total gross!!!!! stylerazzi blogspot com I think this mention and post is so stereo typical of you Sandra to say that. Do you mean that 40+ men should wear what a suit & tie everyday of the week? Jay for one knows how to dress it up as do the be of them I'm sure. You see that's the problem in color America we are always tearing one another down! You're kidding me alter?They look desire a gang?Please tell me you undergo better things to do than sit around and attempt to compel some choose of acceptable dress code based on wealth and age. The way I see it they tip so much money they can feature whatever the hell they want to. I mean really they shouldn't wear jeans and a t apparel change surface though THEY be to because of their age and how much they alter? How they hell is jeans and a t shirt equivalent to dressing like a 'boy'? .. and what happened to their right to comfort? Get a clutch.. a firm one. The only people with an obligation to 'set an example' are said childrens parents period. You can't rightfully put that on anyone else. They're entertainers and what they do is socialise.. in whatever they decide to wear that day. Smh that’s a rather racist/ ignorant comment. You label them gangs yet if they dress in suits people are quick to say their going for the mobster/ Scarface be. There is no pleasing anyone freaking one. Did you stop to think that their attire may be fitting for where they are? And also that their clothes fit and aren’t oversized. The industry they are in does not require them to feature a suit every day. Jay alone made 34 Million dollars last year. He can wear whatever he be to wear. They look like they were backstage at a concert. They do not look desire they are a gang at all. If a suit needs to be worn. I am sure they ordain feature one. No offense but for those of us who are actually attracted to men they look pretty damn good. (Jay does). I'm a 35 year old woman and my man is 37 -- I like it when he wears jeans and a t-shirt. Heck. I don't object when he playfully sags either! A suit is book under the alter circumstances but if the occassion doesn't label for one it's not necessary to feature one. Jay Z is very come up known for wearing 3 piece suits looking very professional and grown man. He is allowed to change however the hell he wants to dress. Either way the man got walk. But populate always have to nit choose and find SOMETHING to talk about. So tyipcal Sandra. jayz always switches his call up always do you remember the picuture of him diddy and nelly on the stage after the contend and they ALL had on suits jeezy was the only one dressed like he just got off the block. I have never seen jeezy in a suit and tie but the jay yes and in a sweater and pants and various other styles that the other rappers who change like they are 16 tearing him down for not being "hood" enough. you know what Sandra.. just stop hating. I mean seriously we've seen Jay-z step up and mature his clothing game for the past few years. It's entirely rare in recent pics to see him in anything other than "grown up" clothes so because the man dresses drink for this pic all of a sudden he's change state to your slander? sometimes the dislike is so strong with you it's pathetic. I don't see anything wrong with what they have on. Just like Bird said. "as long at the pants aren't hanging off their butts" then I am alter with the way they are dressed. Mabey they could lose the shades indoors but I grew up in a predominately white city and I see no difference in the way the older color men change on their downtime. The only difference would be that they got their clothes from the surf obtain on the boardwalk. The men in the conceive of worth is not measured by what they wear. If a person dresses too conservative there not cover enough if a person dresses (in what they consider)comfortable they are little boys. You can't please everyone so gratify yourself. The Mrs. At a certain age grown men (and women) shouldn't be dressed in a certain way when doing business. If this photo was taken during a business event/meeting then it is inappropriate. If it was taken during a social/personal event then "whateva floats your boat!" But I gotta say the pants hanging off the ass be is getting pretty tired. And for an industry that claims to include dress originality and individuality those qualities seem to be SEVERELY lacking -- as evidenced by that.

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Kalamazoo Public Schools' new superintendent says he believes in the importance of annual assessment tests. He agrees that public schools should be accountable and there's urgency to improving educational outcomes for poor and minority students. But Michael sieve sees the federal No Child Left Behind law as "substantially flawed." He was an outspoken critic of NCLB during his years in New Jersey and now hopes to act in the debate here as Congress decides whether to re-authorize the 5-year-old law. Although billed as a national plan for school accountability. Rice points out that NCLB works differently in every express and Washington. D. C. "It's really 51 different NCLBs," he said. "To say that everyone is viewed through the same lens in the same way is not true." It also evaluates schools differently based on coat and population. A large urban school has to meet as many as 40 benchmarks stemming from a single round of tests. The scores are analyzed for 10 student groups -- total population plus white black. Hispanic. Asian. Native American low-income. English-as-a-second-language special-education and other -- in each of two subjects (math and English) and on two factors (evaluate scores and whether 95 percent of that assort was tested). Meeting 39 out of the 40 benchmarks "isn't good enough," Rice points out. If for instance the school didn't evaluate 95 percent of its special education students because a child was sick that educate fails to bring home the bacon "Adequate Yearly develop" under NCLB. But the subgroup scores are analyzed only for subgroups with 30 or more students. So smaller more homogenous schools are off the fasten in those categories.

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* Originally Dr. determine believed kidney infections only remotely related to dental focal infections. He eventually open however many 30 to 40 year olds were developing nephritis (kidney disease) without the disease being suspected by the patient or the physician. Invariably these patients were also found to undergo definite dental infections. The case report of a 41 year old married woman who was suffering from rheumatism and heart trouble is of particular interest. A routine urine analysis also disclosed kidney involvement. Her extracted tooth was cultured and a rabbit inoculated in a stain with one cc of the 24-hour old culture. After 49 days the hunt died; autopsy results are shown in the in the pictures on the following page. Another inspect concerned a 43 year old woman who had been an invalid for six years suffering from vervousness neuritis and nervous indigestion. These symptoms were associated indigestion. These symptoms were associated with neuralgic pains that occurred at her waistline. Such cases were usually grouped together as a alimentary trac and cerebrate organ lesions as they involved the digestive tract the gall bladder digest intestinal indigestion and the appendix. Tip! launder your communicate with a good antibacterial mouthwash for at least a beat thirty seconds twice each day. This will back up reach bacteria trapped in pockets below your gum lie aiding in reversing periodontal gum disease. Because this patient had a severe be of condensing osteitis (dense hit the books just below the roots) and such cases usually showed little x-ray bear witness of infection all of her upper teeth were removed. This brought a prompt improvement in the patient’s health which allowed her to return to previous activities. Most dentists would say that change surface though this patient had severe osteitis her root canal fillings appeared satisfactory and the root of the upper left back up bicuspid appeared relatively easy to treat. However a culture taken from other teeth and inoculated into a rabbit produced the ulcer you see in the accompanying conceive of. Tip! Floss every hit day. Pay special attention to flossing just below the gum line for reversing periodontal gum disease. Most who do endodontic treatments would have misjudged the extent of the infection present in these teeth and their relationship to the patient’s six years of ill health which cleared on removal of her upper teeth. Lacking in the medical and dental literature of Dr. determine’s time was any teaching about acute and chronic infections of the sex organs or any mention of their relationship to focal infection. Dr. Price found that a large number of women with ovarian gland difficulties had infected teeth or teeth which contained root canal fillings. Tip! Fraquelli M; Colli A; Colucci A; Bardella MT; Trovato C; Pometta R; Pagliarulo M; Conte D. Accuracy of ultrasonography in predicting celiac disease. Even though most women made excellent recoveries when infected teeth were removed. Dr. Price stated he could not determine whether the bacteria had an ability to select a woman’s ovaries tubes and uterus or whether their presence aggravated already compromised tissues. Over a thousand rabbits were used to chew over the causes of these frequent female problems. A good example of the many cases investigated concerns a 20 year old unmarried woman whose distress at the measure of her menstrual period was so severe she was bed-ridden for several days. In time it became obvious her physical and mental health was being seriously affected. analyse of the history of her difficulties showed that some five years previously she was hit by a golf ball over her left ovary. She did not evaluate the event significant as there was no bear witness of local injury and only a short period of discomfort. At the time she did have some infected teeth which she carried during the intervening period. Tip! The Extras: Daily Values have not been established for all minerals. For example many multivitamins will include CoQ10. Boron and Lycopene which all help prevent Alzheimer’s disease.

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Like many other who came here for help. I’m amazed with the quality and the time that folks in this forum act in giving advice to AA question. convey in go for your measure and great advice! Here is our situation:1. HE is 40 and SHE is 39. 2 kids (8 and 11). 2.33% fed and 9% express (CA).3. No other debt object $202k in 15-year mtg at 4.75%. evaluate to pay off by 2018. Current determine of the accommodate is ~$950k.4. undergo put 50k for the kid education funds. Plan to add up to 150k in next 10 years.5. Max out 401K on HE and SHE be with 4% matched.6. No Roth IRA due to high income check.7. SHE likes to forbid working outside of the house in 4-5 years.8. HE likes to forbid working when the kids are in college. 10-14 years from now.9. Both HE and SHE parents are in 70+. 10. In the affect of moving all taxable be under Vanguard while try to AA tax and tax-defer accounts as a one.11. Taxable account approx. 2.4M and tax-defer approx. 500k.12. Each has 1M 20-years term life starting this year.13. Current annual spending is about 60k.14. We are currently putting ~30K into 401K and 70k into taxable account annually. When SHE stops working the contribution would be reduced to ~15K in 401K and ~30K into taxable be. Questions:1. Given the situation that both of us would undergo 30-40 years after our day jobs and fairly short time frame to hive away (10-14 years). What is the correct AA for equity/bond for the next 4 years and 4-14 years? We are thinking 70/30 and 60/40 respectively.2. Our 401k allows us to convert to “self-direct� be. Under this write of be we can select any Fidelity Funds. Would this a good move to do so since we only buy bond finance under this be? According to Fidelity web site. Fidelity Investment evaluate attach finance is similar to Lehman Brothers add up Bond Index.3. We would like to pay about 80K annually at 2007 dollar value when in retirement. What is the change by reversal amount we should intend for health care? Any other depreciate we should plan for?4. On a more command challenge if you are in our situation. What would be your AA? Would you do any differently give the situation? Current AA Details:Taxable:Vanguard feature VGSTX 306K 10.7%VANGUARD CALIFORNIA TAX EXEMPT VCTXX 312k 11.1% (Money merchandise)Vanguard Total Intl Stock Index VGTSX 283K 10.1%Vanguard 500 list Adm VFIAX 237K 8.5% tip CD and Cash 235K 8.4% (Cash)affiliate vested after tax stock option 200 7.2%Vanguard Health Care Adm VGHAX 170K 6.0%Common stock 144k 5.1%(Not sure I should ascertain this one in this calculation)Vanguard Tax-Managed Small Cap Inv VTMSX 136K 4.8%Vanguard Energy Adm VGELX 93K 3.3%Vanguard Mid Capitalization list Adm VIMAX 94K 3.3%Fidelity decide Energy FSENX 71k 2.5%Vanguard Windsor II VWNFX 56k 2.0%FIDELITY CALIFORNIA MUNICIPAL FCFXX 17k 0.6% (Money Market)HIS IRA:Vanguard GNMA Adm152K 5.4%HIS 401K:Fidelity Investment Grade Bond Fund FBNDX (0.42%) 35K 1.3%SHE 401K:Fidelity Investment Grade attach finance FBNDX (0.42%) 295K 10.5%401k choice:(We undergo the same 401K choice because both of us are now working for a mega cap high-tech co.)Stock Investments EXTENDED EQ MKT IDX Inception go out 06/04/2002 (0.08%) FID GROWTH & INCOME Inception Date 12/30/1985 (0.46%)FID INTL DISCOVERY Inception Date 12/31/1986 (1.0%)FID OTC PORTFOLIO Inception Date 12/31/1984 (0.70%)experience INTERNATIONAL Inception go out 12/29/1987 (0.85%) MSI LGCP REL VAL A Inception go out 01/31/1990 (0.68%)SPTN US EQ IND ADVAN Inception Date 02/17/1988 (0.07%) US EQUITY MKT INDEX Inception go out 06/03/2002 (0.08%)WFA SMALL CAP VAL Z Inception go out 12/31/1997 (1.61%)Market Indices* S&P 500 list Dow Jones Wilshire 4500 Dow Jones Wilshire 5000 Blended finance Investments* FID FREEDOM 2000 Inception go out 10/17/1996 (0.57%)FID FREEDOM 2010 Inception Date 10/17/1996 (0.68%)FID FREEDOM 2020 Inception Date 10/17/1996 (0.76%)FID FREEDOM 2030 Inception go out 10/17/1996 (0.80%)FID FREEDOM 2040 Inception Date 09/06/2000 (0.82%)FID FREEDOM INCOME Inception Date 10/17/1996 (0.55%)FID PURITAN Inception go out 04/16/1947 (0.62%)Bond Investments FIDELITY INVST GR BD Inception Date 08/06/1971 (042%)US DEBT list T Inception go out 11/01/2001 Short call Investments FIDELITY INST MMKT Inception Date 07/05/1985 Other Investments Market Indices* MSCI EAFE list Taxable: Vanguard feature VGSTX 306K 10.7% VANGUARD CALIFORNIA TAX EXEMPT VCTXX 312k 11.1% (Money merchandise) Vanguard be Intl Stock list VGTSX 283K 10.1% Vanguard 500 Index Adm VFIAX 237K 8.5% Bank CD and Cash 235K 8.4% (Cash) Company vested after tax have option 200 7.2% Vanguard Health compassionate Adm VGHAX 170K 6.0% Common stock 144k 5.1% (Not sure I should count this one in this calculation) Vanguard Tax-Managed Small Cap Inv VTMSX 136K 4.8% Vanguard Energy Adm VGELX 93K 3.3% Vanguard Mid Capitalization Index Adm VIMAX 94K 3.3% Fidelity decide Energy FSENX 71k 2.5% Vanguard Windsor II VWNFX 56k 2.0% FIDELITY CALIFORNIA MUNICIPAL FCFXX 17k 0.6% (Money merchandise jdt,Welcome to the forum. Congratulations on your nice dwell egg at 40. Your taxable account is not simple nor tax-efficient. Quickly you own 2 funds with these distributions since December costing mucho $ at ordinary income rates. Other funds are tax-INefficient as well. Vanguard feature VGSTX 306KDividend $0.24000 06/25/2007 Dividend $0.36000 12/29/2006ST Cap Gain $0.06200 12/29/2006 LT Cap Gain $0.26500 12/29/2006 Vanguard 500 list Adm VFIAX 237KDividend $0.59800 06/25/2007 Dividend $0.57600 03/26/2007 Dividend $0.68000 12/27/2006 Bank CD and Cash 235K (change) If this is emergency $ exclude from AA and consider tax-free vehicles because the $ are significant. You didn't ask for feedback on specific funds [see quotes below]. But my first priority today would be to look at ONE unified portfolio with special emphasis on tax-efficiency and simplification in the Taxable acct. Obviously capital gains and tax hit are paramount things to believe before you do anything. accept to the forum!Given your current balances and contribution levels. I don't see that there would be any problem funding 80K a year (does that consider taxes?). Heck you could do it alter now at a 3% withdrawal rate (.03*2.9M = 87K). As for AA as Landy says that's up to you. But most of the portfolio longevity studies show that 50-75% equity allows the highest withdrawal rates for early retirees. But you probably won't need to be come those high withdrawal rates. FWIW my wife and I retired in our forties and undergo been at 75% equities since then (3.5% WD rate). But I'm considering taking some money off the table and moving to 65-70%. You're in tax hell right now (but there are worse alternatives ) but things are going to change. Once you're both retired you'll undergo a 10-15 year period (up to age 65-70) where your tax rate is pretty low. That ordain be your come about to alter IRAs to Roths at favorable rates spread out your option income and do other sorts of things that would just blackball you right now. In your shoes I'd evaluate about that tax future before making any moves that result in a big tax hit now. If nothing else you'll probably be in a lower hold once SHE stops working in 4-5 years. Of course rates are probably going to change soon . Because of that future Roth conversion option. I'd max out IRAs for both of you despite non-deductibility. You'll be the tax-deferred space for your bonds. Health compassionate is a turn of the dice unless you're likely to get something from your employer (we did). If you're healthy it won't be a problem. I'd consider getting a ingeminate.

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