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adidas yeezy boost pre orderhip with a parent campus. Iowa, for example, would not have been able to cut law tuition without financial support from the university, Agrawal said.Several deans said they expect enrollment to improve. But some also said they expect law schools to take a more measured approach to tuition hikes in the future. “I don’t think [tuition] will be frozen forever,” Agrawal said. “I don’t think it will go down again. But I also don’t expect it to rise precipitously.”This story was produced by The Hechinger Report, a nonprofit, nonpartisan education-news outlet based at Teachers College, Columbia University.To the great relief of firefighters, police and otheugg australia knit bootsr public employees in bankrupt Detroit, city fathers recently plugged a huge hole in their pension plans. For now, anyway, something close to these employees’ retirement dreams have been restored.But how did they do it? Just a few weeks ago, Detroit leaders pegged the pension shortfall at .5 billion—about 20% of the city’s total indebtedness—and they were threatening to slash benefits beyond already expected cuts of up to 14% for cops and firemen and 34% for other workers. Miraculously, workers are now being assured that benefits cuts will be comparatively tame, amounting to less than a 5% reduction for those hardest hit.Where did the money come from? Who found the ugg australia knit bootspot of gold that is enabling the city to fill such a big funding gap? The answer, of course, is that no one found so much as a single hard penny. Actuaries simply juggled a few numbers on the city ledger and, voila, a paper windfall appeared. Don’t try this at home.The most important accounting change was the assumed rate of return on investments held in the city’s two big retirement funds. Previously, the annual rate of return was estimated at 6.25% and 6.5% on the two funds. Now the city is assuming a rate of return of 6.75% on both funds. Why the bump? In part, anyway, the city seems to be taking heart in the stock market’s big gain last year, when after lackluster returugg australia knit bootsns the past decade or so the S&P 500 rebounded with a glowing 32% total return.A sustained higher rate of return would mean more annual income for the funds, making them better able to meet benefits promises with the same amount of assets. But the question remains: Is the higher return assumption realistic? One year is not a trend. Many planners believe we have decades of slow growth and modest returns ahead. A bankruptcy judge still must rule on the rosier projections.A pension fund manager boosting the return assumption because stocks finally had a good year is a little like you at home predicting next winter won’t be so cold and slashing your heating budget. You might be right. ugg australia knit bootsBut it’s just a guess—and if the guess is wrong you will have to find the money elsewhere to heat the house. Your finances only looked better briefly; the picture dimmed as soon as another cold winter hit.So how realistic is the 6.75% return assumption? In the Detroit General Retirement System, annualized returns over the past seven years have been 3.9%, according to one analysis. The past five years, public pension funds have had a median annualized return of 5.3%, according to another analysis. Not so good, right?But let’s not throw Detroit’s leaders under the bus just yet. Because people generally work and accrue benefits over 40 years or so, pension funds can takeugg australia knit boots an extremely long view. The median pension fund return over the past 25 years has been 8.6%. The typical pension fund manager today assumes long-term rates of return between 7% and 8%. So Detroit has company, and may even seem cautious.Among others, Warren Buffett has scolded pension managers for not recognizing a fundamental shift to slower growth and lower returns. But the new assumptions in the Motor City aren’t completely unsupportable. Maybe the city’s employees will catch a much-needed break and get the higher returns that pension managers hope for.Bongs were ripped, pipes lit and reggae played as Denver residents celebrated the annual 420 marijuana holiday on Sunday, markugg australia knit bootsing the first time the event has occurred since pot was legalized in Colorado earlier this year.The two-day festival at Denver’s Civic Center Park climaxed at 4:20 p.m. on Sunday when tens thousands of smokers exhaled the now legal marijuana smoke into the crisp Rocky Mountain air and rapper B.o.B. dropped the song “Strange Clouds” on stage.Attendees listened to myriad musical acts and perused the numerous kiosks hawking everything from Greek fast food to glass pipes during the festival.4:20 Civic Center Park today #Denver420 pic.twitter.com/O0Oy3VJaVX— The Stoned Society™ (@stonedsociety) April 21, 2014NOW: Massive Cloud of Marijuana Smoke at 420 Rally in Civicugg australia knit boots Center Park in Denver, Colorado (H/T @Dougherty7NEWS) pic.twitter.com/4gn0uwQlOu— Breaking911hip with a parent campus. Iowa, for example, would not have been able to cut law tuition without financial support from the university, Agrawal said.Several deans said they expect enrollment to improve. But some also said they expect law schools to take a more measured approach to tuition hikes in the future. “I don’t think [tuition] will be frozen forever,” Agrawal said. “I don’t think it will go down again. But I also don’t expect it to rise precipitously.”This story was produced by The Hechinger Report, a nonprofit, nonpartisan education-news outlet based at Teachers College, Columbia University.To the great relief of firefighters, police and otheugg australia knit bootsr public employees in bankrupt Detroit, city fathers recently plugged a huge hole in their pension plans. For now, anyway, something close to these employees’ retirement dreams have been restored.But how did they do it? Just a few weeks ago, Detroit leaders pegged the pension shortfall at .5 billion—about 20% of the city’s total indebtedness—and they were threatening to slash benefits beyond already expected cuts of up to 14% for cops and firemen and 34% for other workers. Miraculously, workers are now being assured that benefits cuts will be comparatively tame, amounting to less than a 5% reduction for those hardest hit.Where did the money come from? Who found the ugg australia knit bootspot of gold that is enabling the city to fill such a big funding gap? The answer, of course, is that no one found so much as a single hard penny. Actuaries simply juggled a few numbers on the city ledger and, voila, a paper windfall appeared. Don’t try this at home.The most important accounting change was the assumed rate of return on investments held in the city’s two big retirement funds. Previously, the annual rate of return was estimated at 6.25% and 6.5% on the two funds. Now the city is assuming a rate of return of 6.75% on both funds. Why the bump? In part, anyway, the city seems to be taking heart in the stock market’s big gain last year, when after lackluster returugg australia knit bootsns the past decade or so the S&P 500 rebounded with a glowing 32% total return.A sustained higher rate of return would mean more annual income for the funds, making them better able to meet benefits promises with the same amount of assets. But the question remains: Is the higher return assumption realistic? One year is not a trend. Many planners believe we have decades of slow growth and modest returns ahead. A bankruptcy judge still must rule on the rosier projections.A pension fund manager boosting the return assumption because stocks finally had a good year is a little like you at home predicting next winter won’t be so cold and slashing your heating budget. You might be right. ugg australia knit bootsBut it’s just a guess—and if the guess is wrong you will have to find the money elsewhere to heat the house. Your finances only looked better briefly; the picture dimmed as soon as another cold winter hit.So how realistic is the 6.75% return assumption? In the Detroit General Retirement System, annualized returns over the past seven years have been 3.9%, according to one analysis. The past five years, public pension funds have had a median annualized return of 5.3%, according to another analysis. Not so good, right?But let’s not throw Detroit’s leaders under the bus just yet. Because people generally work and accrue benefits over 40 years or so, pension funds can takeugg australia knit boots an extremely long view. The median pension fund return over the past 25 years has been 8.6%. The typical pension fund manager today assumes long-term rates of return between 7% and 8%. So Detroit has company, and may even seem cautious.Among others, Warren Buffett has scolded pension managers for not recognizing a fundamental shift to slower growth and lower returns. But the new assumptions in the Motor City aren’t completely unsupportable. Maybe the city’s employees will catch a much-needed break and get the higher returns that pension managers hope for.Bongs were ripped, pipes lit and reggae played as Denver residents celebrated the annual 420 marijuana holiday on Sunday, markugg australia knit bootsing the first time the event has occurred since pot was legalized in Colorado earlier this year.The two-day festival at Denver’s Civic Center Park climaxed at 4:20 p.m. on Sunday when tens thousands of smokers exhaled the now legal marijuana smoke into the crisp Rocky Mountain air and rapper B.o.B. dropped the song “Strange Clouds” on stage.Attendees listened to myriad musical acts and perused the numerous kiosks hawking everything from Greek fast food to glass pipes during the festival.4:20 Civic Center Park today #Denver420 pic.twitter.com/O0Oy3VJaVX— The Stoned Society™ (@stonedsociety) April 21, 2014NOW: Massive Cloud of Marijuana Smoke at 420 Rally in Civicugg australia knit boots Center Park in Denver, Colorado (H/T @Dougherty7NEWS) pic.twitter.com/4gn0uwQlOu— Breaking911hip with a parent campus. Iowa, for example, would not have been able to cut law tuition without financial support from the university, Agrawal said.Several deans said they expect enrollment to improve. But some also said they expect law schools to take a more measured approach to tuition hikes in the future. “I don’t think [tuition] will be frozen forever,” Agrawal said. “I don’t think it will go down again. But I also don’t expect it to rise precipitously.”This story was produced by The Hechinger Report, a nonprofit, nonpartisan education-news outlet based at Teachers College, Columbia University.To the great relief of firefighters, police and otheugg australia knit bootsr public employees in bankrupt Detroit, city fathers recently plugged a huge hole in their pension plans. For now, anyway, something close to these employees’ retirement dreams have been restored.But how did they do it? Just a few weeks ago, Detroit leaders pegged the pension shortfall at .5 billion—about 20% of the city’s total indebtedness—and they were threatening to slash benefits beyond already expected cuts of up to 14% for cops and firemen and 34% for other workers. Miraculously, workers are now being assured that benefits cuts will be comparatively tame, amounting to less than a 5% reduction for those hardest hit.Where did the money come from? Who found the ugg australia knit bootspot of gold that is enabling the city to fill such a big funding gap? The answer, of course, is that no one found so much as a single hard penny. Actuaries simply juggled a few numbers on the city ledger and, voila, a paper windfall appeared. Don’t try this at home.The most important accounting change was the assumed rate of return on investments held in the city’s two big retirement funds. Previously, the annual rate of return was estimated at 6.25% and 6.5% on the two funds. Now the city is assuming a rate of return of 6.75% on both funds. Why the bump? In part, anyway, the city seems to be taking heart in the stock market’s big gain last year, when after lackluster returugg australia knit bootsns the past decade or so the S&P 500 rebounded with a glowing 32% total return.A sustained higher rate of return would mean more annual income for the funds, making them better able to meet benefits promises with the same amount of assets. But the question remains: Is the higher return assumption realistic? One year is not a trend. Many planners believe we have decades of slow growth and modest returns ahead. A bankruptcy judge still must rule on the rosier projections.A pension fund manager boosting the return assumption because stocks finally had a good year is a little like you at home predicting next winter won’t be so cold and slashing your heating budget. You might be right. ugg australia knit bootsBut it’s just a guess—and if the guess is wrong you will have to find the money elsewhere to heat the house. Your finances only looked better briefly; the picture dimmed as soon as another cold winter hit.So how realistic is the 6.75% return assumption? In the Detroit General Retirement System, annualized returns over the past seven years have been 3.9%, according to one analysis. The past five years, public pension funds have had a median annualized return of 5.3%, according to another analysis. Not so good, right?But let’s not throw Detroit’s leaders under the bus just yet. Because people generally work and accrue benefits over 40 years or so, pension funds can takeugg australia knit boots an extremely long view. The median pension fund return over the past 25 years has been 8.6%. The typical pension fund manager today assumes long-term rates of return between 7% and 8%. So Detroit has company, and may even seem cautious.Among others, Warren Buffett has scolded pension managers for not recognizing a fundamental shift to slower growth and lower returns. But the new assumptions in the Motor City aren’t completely unsupportable. Maybe the city’s employees will catch a much-needed break and get the higher returns that pension managers hope for.Bongs were ripped, pipes lit and reggae played as Denver residents celebrated the annual 420 marijuana holiday on Sunday, markugg australia knit bootsing the first time the event has occurred since pot was legalized in Colorado earlier this year.The two-day festival at Denver’s Civic Center Park climaxed at 4:20 p.m. on Sunday when tens thousands of smokers exhaled the now legal marijuana smoke into the crisp Rocky Mountain air and rapper B.o.B. dropped the song “Strange Clouds” on stage.Attendees listened to myriad musical acts and perused the numerous kiosks hawking everything from Greek fast food to glass pipes during the festival.4:20 Civic Center Park today #Denver420 pic.twitter.com/O0Oy3VJaVX— The Stoned Society™ (@stonedsociety) April 21, 2014NOW: Massive Cloud of Marijuana Smoke at 420 Rally in Civicugg australia knit boots Center Park in Denver, Colorado (H/T @Dougherty7NEWS) pic.twitter.com/4gn0uwQlOu— Breaking911,adidas yeezy jackethip with a parent campus. Iowa, for example, would not have been able to cut law tuition without financial support from the university, Agrawal said.Several deans said they expect enrollment to improve. But some also said they expect law schools to take a more measured approach to tuition hikes in the future. “I don’t think [tuition] will be frozen forever,” Agrawal said. “I don’t think it will go down again. But I also don’t expect it to rise precipitously.”This story was produced by The Hechinger Report, a nonprofit, nonpartisan education-news outlet based at Teachers College, Columbia University.To the great relief of firefighters, police and otheugg australia knit bootsr public employees in bankrupt Detroit, city fathers recently plugged a huge hole in their pension plans. For now, anyway, something close to these employees’ retirement dreams have been restored.But how did they do it? Just a few weeks ago, Detroit leaders pegged the pension shortfall at .5 billion—about 20% of the city’s total indebtedness—and they were threatening to slash benefits beyond already expected cuts of up to 14% for cops and firemen and 34% for other workers. Miraculously, workers are now being assured that benefits cuts will be comparatively tame, amounting to less than a 5% reduction for those hardest hit.Where did the money come from? Who found the ugg australia knit bootspot of gold that is enabling the city to fill such a big funding gap? The answer, of course, is that no one found so much as a single hard penny. Actuaries simply juggled a few numbers on the city ledger and, voila, a paper windfall appeared. Don’t try this at home.The most important accounting change was the assumed rate of return on investments held in the city’s two big retirement funds. Previously, the annual rate of return was estimated at 6.25% and 6.5% on the two funds. Now the city is assuming a rate of return of 6.75% on both funds. Why the bump? In part, anyway, the city seems to be taking heart in the stock market’s big gain last year, when after lackluster returugg australia knit bootsns the past decade or so the S&P 500 rebounded with a glowing 32% total return.A sustained higher rate of return would mean more annual income for the funds, making them better able to meet benefits promises with the same amount of assets. But the question remains: Is the higher return assumption realistic? One year is not a trend. Many planners believe we have decades of slow growth and modest returns ahead. A bankruptcy judge still must rule on the rosier projections.A pension fund manager boosting the return assumption because stocks finally had a good year is a little like you at home predicting next winter won’t be so cold and slashing your heating budget. You might be right. ugg australia knit bootsBut it’s just a guess—and if the guess is wrong you will have to find the money elsewhere to heat the house. Your finances only looked better briefly; the picture dimmed as soon as another cold winter hit.So how realistic is the 6.75% return assumption? In the Detroit General Retirement System, annualized returns over the past seven years have been 3.9%, according to one analysis. The past five years, public pension funds have had a median annualized return of 5.3%, according to another analysis. Not so good, right?But let’s not throw Detroit’s leaders under the bus just yet. Because people generally work and accrue benefits over 40 years or so, pension funds can takeugg australia knit boots an extremely long view. The median pension fund return over the past 25 years has been 8.6%. The typical pension fund manager today assumes long-term rates of return between 7% and 8%. So Detroit has company, and may even seem cautious.Among others, Warren Buffett has scolded pension managers for not recognizing a fundamental shift to slower growth and lower returns. But the new assumptions in the Motor City aren’t completely unsupportable. Maybe the city’s employees will catch a much-needed break and get the higher returns that pension managers hope for.Bongs were ripped, pipes lit and reggae played as Denver residents celebrated the annual 420 marijuana holiday on Sunday, markugg australia knit bootsing the first time the event has occurred since pot was legalized in Colorado earlier this year.The two-day festival at Denver’s Civic Center Park climaxed at 4:20 p.m. on Sunday when tens thousands of smokers exhaled the now legal marijuana smoke into the crisp Rocky Mountain air and rapper B.o.B. dropped the song “Strange Clouds” on stage.Attendees listened to myriad musical acts and perused the numerous kiosks hawking everything from Greek fast food to glass pipes during the festival.4:20 Civic Center Park today #Denver420 pic.twitter.com/O0Oy3VJaVX— The Stoned Society™ (@stonedsociety) April 21, 2014NOW: Massive Cloud of Marijuana Smoke at 420 Rally in Civicugg australia knit boots Center Park in Denver, Colorado (H/T @Dougherty7NEWS) pic.twitter.com/4gn0uwQlOu— Breaking911hip with a parent campus. Iowa, for example, would not have been able to cut law tuition without financial support from the university, Agrawal said.Several deans said they expect enrollment to improve. But some also said they expect law schools to take a more measured approach to tuition hikes in the future. “I don’t think [tuition] will be frozen forever,” Agrawal said. “I don’t think it will go down again. But I also don’t expect it to rise precipitously.”This story was produced by The Hechinger Report, a nonprofit, nonpartisan education-news outlet based at Teachers College, Columbia University.To the great relief of firefighters, police and otheugg australia knit bootsr public employees in bankrupt Detroit, city fathers recently plugged a huge hole in their pension plans. For now, anyway, something close to these employees’ retirement dreams have been restored.But how did they do it? Just a few weeks ago, Detroit leaders pegged the pension shortfall at .5 billion—about 20% of the city’s total indebtedness—and they were threatening to slash benefits beyond already expected cuts of up to 14% for cops and firemen and 34% for other workers. Miraculously, workers are now being assured that benefits cuts will be comparatively tame, amounting to less than a 5% reduction for those hardest hit.Where did the money come from? Who found the ugg australia knit bootspot of gold that is enabling the city to fill such a big funding gap? The answer, of course, is that no one found so much as a single hard penny. Actuaries simply juggled a few numbers on the city ledger and, voila, a paper windfall appeared. Don’t try this at home.The most important accounting change was the assumed rate of return on investments held in the city’s two big retirement funds. Previously, the annual rate of return was estimated at 6.25% and 6.5% on the two funds. Now the city is assuming a rate of return of 6.75% on both funds. Why the bump? In part, anyway, the city seems to be taking heart in the stock market’s big gain last year, when after lackluster returugg australia knit bootsns the past decade or so the S&P 500 rebounded with a glowing 32% total return.A sustained higher rate of return would mean more annual income for the funds, making them better able to meet benefits promises with the same amount of assets. But the question remains: Is the higher return assumption realistic? One year is not a trend. Many planners believe we have decades of slow growth and modest returns ahead. A bankruptcy judge still must rule on the rosier projections.A pension fund manager boosting the return assumption because stocks finally had a good year is a little like you at home predicting next winter won’t be so cold and slashing your heating budget. You might be right. ugg australia knit bootsBut it’s just a guess—and if the guess is wrong you will have to find the money elsewhere to heat the house. Your finances only looked better briefly; the picture dimmed as soon as another cold winter hit.So how realistic is the 6.75% return assumption? In the Detroit General Retirement System, annualized returns over the past seven years have been 3.9%, according to one analysis. The past five years, public pension funds have had a median annualized return of 5.3%, according to another analysis. Not so good, right?But let’s not throw Detroit’s leaders under the bus just yet. Because people generally work and accrue benefits over 40 years or so, pension funds can takeugg australia knit boots an extremely long view. The median pension fund return over the past 25 years has been 8.6%. The typical pension fund manager today assumes long-term rates of return between 7% and 8%. So Detroit has company, and may even seem cautious.Among others, Warren Buffett has scolded pension managers for not recognizing a fundamental shift to slower growth and lower returns. But the new assumptions in the Motor City aren’t completely unsupportable. Maybe the city’s employees will catch a much-needed break and get the higher returns that pension managers hope for.Bongs were ripped, pipes lit and reggae played as Denver residents celebrated the annual 420 marijuana holiday on Sunday, markugg australia knit bootsing the first time the event has occurred since pot was legalized in Colorado earlier this year.The two-day festival at Denver’s Civic Center Park climaxed at 4:20 p.m. on Sunday when tens thousands of smokers exhaled the now legal marijuana smoke into the crisp Rocky Mountain air and rapper B.o.B. dropped the song “Strange Clouds” on stage.Attendees listened to myriad musical acts and perused the numerous kiosks hawking everything from Greek fast food to glass pipes during the festival.4:20 Civic Center Park today #Denver420 pic.twitter.com/O0Oy3VJaVX— The Stoned Society™ (@stonedsociety) April 21, 2014NOW: Massive Cloud of Marijuana Smoke at 420 Rally in Civicugg australia knit boots Center Park in Denver, Colorado (H/T @Dougherty7NEWS) pic.twitter.com/4gn0uwQlOu— Breaking911hip with a parent campus. Iowa, for example, would not have been able to cut law tuition without financial support from the university, Agrawal said.Several deans said they expect enrollment to improve. But some also said they expect law schools to take a more measured approach to tuition hikes in the future. “I don’t think [tuition] will be frozen forever,” Agrawal said. “I don’t think it will go down again. But I also don’t expect it to rise precipitously.”This story was produced by The Hechinger Report, a nonprofit, nonpartisan education-news outlet based at Teachers College, Columbia University.To the great relief of firefighters, police and otheugg australia knit bootsr public employees in bankrupt Detroit, city fathers recently plugged a huge hole in their pension plans. For now, anyway, something close to these employees’ retirement dreams have been restored.But how did they do it? Just a few weeks ago, Detroit leaders pegged the pension shortfall at .5 billion—about 20% of the city’s total indebtedness—and they were threatening to slash benefits beyond already expected cuts of up to 14% for cops and firemen and 34% for other workers. Miraculously, workers are now being assured that benefits cuts will be comparatively tame, amounting to less than a 5% reduction for those hardest hit.Where did the money come from? Who found the ugg australia knit bootspot of gold that is enabling the city to fill such a big funding gap? The answer, of course, is that no one found so much as a single hard penny. Actuaries simply juggled a few numbers on the city ledger and, voila, a paper windfall appeared. Don’t try this at home.The most important accounting change was the assumed rate of return on investments held in the city’s two big retirement funds. Previously, the annual rate of return was estimated at 6.25% and 6.5% on the two funds. Now the city is assuming a rate of return of 6.75% on both funds. Why the bump? In part, anyway, the city seems to be taking heart in the stock market’s big gain last year, when after lackluster returugg australia knit bootsns the past decade or so the S&P 500 rebounded with a glowing 32% total return.A sustained higher rate of return would mean more annual income for the funds, making them better able to meet benefits promises with the same amount of assets. But the question remains: Is the higher return assumption realistic? One year is not a trend. Many planners believe we have decades of slow growth and modest returns ahead. A bankruptcy judge still must rule on the rosier projections.A pension fund manager boosting the return assumption because stocks finally had a good year is a little like you at home predicting next winter won’t be so cold and slashing your heating budget. You might be right. ugg australia knit bootsBut it’s just a guess—and if the guess is wrong you will have to find the money elsewhere to heat the house. Your finances only looked better briefly; the picture dimmed as soon as another cold winter hit.So how realistic is the 6.75% return assumption? In the Detroit General Retirement System, annualized returns over the past seven years have been 3.9%, according to one analysis. The past five years, public pension funds have had a median annualized return of 5.3%, according to another analysis. Not so good, right?But let’s not throw Detroit’s leaders under the bus just yet. Because people generally work and accrue benefits over 40 years or so, pension funds can takeugg australia knit boots an extremely long view. The median pension fund return over the past 25 years has been 8.6%. The typical pension fund manager today assumes long-term rates of return between 7% and 8%. So Detroit has company, and may even seem cautious.Among others, Warren Buffett has scolded pension managers for not recognizing a fundamental shift to slower growth and lower returns. But the new assumptions in the Motor City aren’t completely unsupportable. Maybe the city’s employees will catch a much-needed break and get the higher returns that pension managers hope for.Bongs were ripped, pipes lit and reggae played as Denver residents celebrated the annual 420 marijuana holiday on Sunday, markugg australia knit bootsing the first time the event has occurred since pot was legalized in Colorado earlier this year.The two-day festival at Denver’s Civic Center Park climaxed at 4:20 p.m. on Sunday when tens thousands of smokers exhaled the now legal marijuana smoke into the crisp Rocky Mountain air and rapper B.o.B. dropped the song “Strange Clouds” on stage.Attendees listened to myriad musical acts and perused the numerous kiosks hawking everything from Greek fast food to glass pipes during the festival.4:20 Civic Center Park today #Denver420 pic.twitter.com/O0Oy3VJaVX— The Stoned Society™ (@stonedsociety) April 21, 2014NOW: Massive Cloud of Marijuana Smoke at 420 Rally in Civicugg australia knit boots Center Park in Denver, Colorado (H/T @Dougherty7NEWS) pic.twitter.com/4gn0uwQlOu— Breaking911yeezy boost 350 quantity

adidas yeezy womens size 7hip with a parent campus. Iowa, for example, would not have been able to cut law tuition without financial support from the university, Agrawal said.Several deans said they expect enrollment to improve. But some also said they expect law schools to take a more measured approach to tuition hikes in the future. “I don’t think [tuition] will be frozen forever,” Agrawal said. “I don’t think it will go down again. But I also don’t expect it to rise precipitously.”This story was produced by The Hechinger Report, a nonprofit, nonpartisan education-news outlet based at Teachers College, Columbia University.To the great relief of firefighters, police and otheugg australia knit bootsr public employees in bankrupt Detroit, city fathers recently plugged a huge hole in their pension plans. For now, anyway, something close to these employees’ retirement dreams have been restored.But how did they do it? Just a few weeks ago, Detroit leaders pegged the pension shortfall at .5 billion—about 20% of the city’s total indebtedness—and they were threatening to slash benefits beyond already expected cuts of up to 14% for cops and firemen and 34% for other workers. Miraculously, workers are now being assured that benefits cuts will be comparatively tame, amounting to less than a 5% reduction for those hardest hit.Where did the money come from? Who found the ugg australia knit bootspot of gold that is enabling the city to fill such a big funding gap? The answer, of course, is that no one found so much as a single hard penny. Actuaries simply juggled a few numbers on the city ledger and, voila, a paper windfall appeared. Don’t try this at home.The most important accounting change was the assumed rate of return on investments held in the city’s two big retirement funds. Previously, the annual rate of return was estimated at 6.25% and 6.5% on the two funds. Now the city is assuming a rate of return of 6.75% on both funds. Why the bump? In part, anyway, the city seems to be taking heart in the stock market’s big gain last year, when after lackluster returugg australia knit bootsns the past decade or so the S&P 500 rebounded with a glowing 32% total return.A sustained higher rate of return would mean more annual income for the funds, making them better able to meet benefits promises with the same amount of assets. But the question remains: Is the higher return assumption realistic? One year is not a trend. Many planners believe we have decades of slow growth and modest returns ahead. A bankruptcy judge still must rule on the rosier projections.A pension fund manager boosting the return assumption because stocks finally had a good year is a little like you at home predicting next winter won’t be so cold and slashing your heating budget. You might be right. ugg australia knit bootsBut it’s just a guess—and if the guess is wrong you will have to find the money elsewhere to heat the house. Your finances only looked better briefly; the picture dimmed as soon as another cold winter hit.So how realistic is the 6.75% return assumption? In the Detroit General Retirement System, annualized returns over the past seven years have been 3.9%, according to one analysis. The past five years, public pension funds have had a median annualized return of 5.3%, according to another analysis. Not so good, right?But let’s not throw Detroit’s leaders under the bus just yet. Because people generally work and accrue benefits over 40 years or so, pension funds can takeugg australia knit boots an extremely long view. The median pension fund return over the past 25 years has been 8.6%. The typical pension fund manager today assumes long-term rates of return between 7% and 8%. So Detroit has company, and may even seem cautious.Among others, Warren Buffett has scolded pension managers for not recognizing a fundamental shift to slower growth and lower returns. But the new assumptions in the Motor City aren’t completely unsupportable. Maybe the city’s employees will catch a much-needed break and get the higher returns that pension managers hope for.Bongs were ripped, pipes lit and reggae played as Denver residents celebrated the annual 420 marijuana holiday on Sunday, markugg australia knit bootsing the first time the event has occurred since pot was legalized in Colorado earlier this year.The two-day festival at Denver’s Civic Center Park climaxed at 4:20 p.m. on Sunday when tens thousands of smokers exhaled the now legal marijuana smoke into the crisp Rocky Mountain air and rapper B.o.B. dropped the song “Strange Clouds” on stage.Attendees listened to myriad musical acts and perused the numerous kiosks hawking everything from Greek fast food to glass pipes during the festival.4:20 Civic Center Park today #Denver420 pic.twitter.com/O0Oy3VJaVX— The Stoned Society™ (@stonedsociety) April 21, 2014NOW: Massive Cloud of Marijuana Smoke at 420 Rally in Civicugg australia knit boots Center Park in Denver, Colorado (H/T @Dougherty7NEWS) pic.twitter.com/4gn0uwQlOu— Breaking911hip with a parent campus. Iowa, for example, would not have been able to cut law tuition without financial support from the university, Agrawal said.Several deans said they expect enrollment to improve. But some also said they expect law schools to take a more measured approach to tuition hikes in the future. “I don’t think [tuition] will be frozen forever,” Agrawal said. “I don’t think it will go down again. But I also don’t expect it to rise precipitously.”This story was produced by The Hechinger Report, a nonprofit, nonpartisan education-news outlet based at Teachers College, Columbia University.To the great relief of firefighters, police and otheugg australia knit bootsr public employees in bankrupt Detroit, city fathers recently plugged a huge hole in their pension plans. For now, anyway, something close to these employees’ retirement dreams have been restored.But how did they do it? Just a few weeks ago, Detroit leaders pegged the pension shortfall at .5 billion—about 20% of the city’s total indebtedness—and they were threatening to slash benefits beyond already expected cuts of up to 14% for cops and firemen and 34% for other workers. Miraculously, workers are now being assured that benefits cuts will be comparatively tame, amounting to less than a 5% reduction for those hardest hit.Where did the money come from? Who found the ugg australia knit bootspot of gold that is enabling the city to fill such a big funding gap? The answer, of course, is that no one found so much as a single hard penny. Actuaries simply juggled a few numbers on the city ledger and, voila, a paper windfall appeared. Don’t try this at home.The most important accounting change was the assumed rate of return on investments held in the city’s two big retirement funds. Previously, the annual rate of return was estimated at 6.25% and 6.5% on the two funds. Now the city is assuming a rate of return of 6.75% on both funds. Why the bump? In part, anyway, the city seems to be taking heart in the stock market’s big gain last year, when after lackluster returugg australia knit bootsns the past decade or so the S&P 500 rebounded with a glowing 32% total return.A sustained higher rate of return would mean more annual income for the funds, making them better able to meet benefits promises with the same amount of assets. But the question remains: Is the higher return assumption realistic? One year is not a trend. Many planners believe we have decades of slow growth and modest returns ahead. A bankruptcy judge still must rule on the rosier projections.A pension fund manager boosting the return assumption because stocks finally had a good year is a little like you at home predicting next winter won’t be so cold and slashing your heating budget. You might be right. ugg australia knit bootsBut it’s just a guess—and if the guess is wrong you will have to find the money elsewhere to heat the house. Your finances only looked better briefly; the picture dimmed as soon as another cold winter hit.So how realistic is the 6.75% return assumption? In the Detroit General Retirement System, annualized returns over the past seven years have been 3.9%, according to one analysis. The past five years, public pension funds have had a median annualized return of 5.3%, according to another analysis. Not so good, right?But let’s not throw Detroit’s leaders under the bus just yet. Because people generally work and accrue benefits over 40 years or so, pension funds can takeugg australia knit boots an extremely long view. The median pension fund return over the past 25 years has been 8.6%. The typical pension fund manager today assumes long-term rates of return between 7% and 8%. So Detroit has company, and may even seem cautious.Among others, Warren Buffett has scolded pension managers for not recognizing a fundamental shift to slower growth and lower returns. But the new assumptions in the Motor City aren’t completely unsupportable. Maybe the city’s employees will catch a much-needed break and get the higher returns that pension managers hope for.Bongs were ripped, pipes lit and reggae played as Denver residents celebrated the annual 420 marijuana holiday on Sunday, markugg australia knit bootsing the first time the event has occurred since pot was legalized in Colorado earlier this year.The two-day festival at Denver’s Civic Center Park climaxed at 4:20 p.m. on Sunday when tens thousands of smokers exhaled the now legal marijuana smoke into the crisp Rocky Mountain air and rapper B.o.B. dropped the song “Strange Clouds” on stage.Attendees listened to myriad musical acts and perused the numerous kiosks hawking everything from Greek fast food to glass pipes during the festival.4:20 Civic Center Park today #Denver420 pic.twitter.com/O0Oy3VJaVX— The Stoned Society™ (@stonedsociety) April 21, 2014NOW: Massive Cloud of Marijuana Smoke at 420 Rally in Civicugg australia knit boots Center Park in Denver, Colorado (H/T @Dougherty7NEWS) pic.twitter.com/4gn0uwQlOu— Breaking911hip with a parent campus. Iowa, for example, would not have been able to cut law tuition without financial support from the university, Agrawal said.Several deans said they expect enrollment to improve. But some also said they expect law schools to take a more measured approach to tuition hikes in the future. “I don’t think [tuition] will be frozen forever,” Agrawal said. “I don’t think it will go down again. But I also don’t expect it to rise precipitously.”This story was produced by The Hechinger Report, a nonprofit, nonpartisan education-news outlet based at Teachers College, Columbia University.To the great relief of firefighters, police and otheugg australia knit bootsr public employees in bankrupt Detroit, city fathers recently plugged a huge hole in their pension plans. For now, anyway, something close to these employees’ retirement dreams have been restored.But how did they do it? Just a few weeks ago, Detroit leaders pegged the pension shortfall at .5 billion—about 20% of the city’s total indebtedness—and they were threatening to slash benefits beyond already expected cuts of up to 14% for cops and firemen and 34% for other workers. Miraculously, workers are now being assured that benefits cuts will be comparatively tame, amounting to less than a 5% reduction for those hardest hit.Where did the money come from? Who found the ugg australia knit bootspot of gold that is enabling the city to fill such a big funding gap? The answer, of course, is that no one found so much as a single hard penny. Actuaries simply juggled a few numbers on the city ledger and, voila, a paper windfall appeared. Don’t try this at home.The most important accounting change was the assumed rate of return on investments held in the city’s two big retirement funds. Previously, the annual rate of return was estimated at 6.25% and 6.5% on the two funds. Now the city is assuming a rate of return of 6.75% on both funds. Why the bump? In part, anyway, the city seems to be taking heart in the stock market’s big gain last year, when after lackluster returugg australia knit bootsns the past decade or so the S&P 500 rebounded with a glowing 32% total return.A sustained higher rate of return would mean more annual income for the funds, making them better able to meet benefits promises with the same amount of assets. But the question remains: Is the higher return assumption realistic? One year is not a trend. Many planners believe we have decades of slow growth and modest returns ahead. A bankruptcy judge still must rule on the rosier projections.A pension fund manager boosting the return assumption because stocks finally had a good year is a little like you at home predicting next winter won’t be so cold and slashing your heating budget. You might be right. ugg australia knit bootsBut it’s just a guess—and if the guess is wrong you will have to find the money elsewhere to heat the house. Your finances only looked better briefly; the picture dimmed as soon as another cold winter hit.So how realistic is the 6.75% return assumption? In the Detroit General Retirement System, annualized returns over the past seven years have been 3.9%, according to one analysis. The past five years, public pension funds have had a median annualized return of 5.3%, according to another analysis. Not so good, right?But let’s not throw Detroit’s leaders under the bus just yet. Because people generally work and accrue benefits over 40 years or so, pension funds can takeugg australia knit boots an extremely long view. The median pension fund return over the past 25 years has been 8.6%. The typical pension fund manager today assumes long-term rates of return between 7% and 8%. So Detroit has company, and may even seem cautious.Among others, Warren Buffett has scolded pension managers for not recognizing a fundamental shift to slower growth and lower returns. But the new assumptions in the Motor City aren’t completely unsupportable. Maybe the city’s employees will catch a much-needed break and get the higher returns that pension managers hope for.Bongs were ripped, pipes lit and reggae played as Denver residents celebrated the annual 420 marijuana holiday on Sunday, markugg australia knit bootsing the first time the event has occurred since pot was legalized in Colorado earlier this year.The two-day festival at Denver’s Civic Center Park climaxed at 4:20 p.m. on Sunday when tens thousands of smokers exhaled the now legal marijuana smoke into the crisp Rocky Mountain air and rapper B.o.B. dropped the song “Strange Clouds” on stage.Attendees listened to myriad musical acts and perused the numerous kiosks hawking everything from Greek fast food to glass pipes during the festival.4:20 Civic Center Park today #Denver420 pic.twitter.com/O0Oy3VJaVX— The Stoned Society™ (@stonedsociety) April 21, 2014NOW: Massive Cloud of Marijuana Smoke at 420 Rally in Civicugg australia knit boots Center Park in Denver, Colorado (H/T @Dougherty7NEWS) pic.twitter.com/4gn0uwQlOu— Breaking911,yeezy 350 with joggership with a parent campus. Iowa, for example, would not have been able to cut law tuition without financial support from the university, Agrawal said.Several deans said they expect enrollment to improve. But some also said they expect law schools to take a more measured approach to tuition hikes in the future. “I don’t think [tuition] will be frozen forever,” Agrawal said. “I don’t think it will go down again. But I also don’t expect it to rise precipitously.”This story was produced by The Hechinger Report, a nonprofit, nonpartisan education-news outlet based at Teachers College, Columbia University.To the great relief of firefighters, police and otheugg australia knit bootsr public employees in bankrupt Detroit, city fathers recently plugged a huge hole in their pension plans. For now, anyway, something close to these employees’ retirement dreams have been restored.But how did they do it? Just a few weeks ago, Detroit leaders pegged the pension shortfall at .5 billion—about 20% of the city’s total indebtedness—and they were threatening to slash benefits beyond already expected cuts of up to 14% for cops and firemen and 34% for other workers. Miraculously, workers are now being assured that benefits cuts will be comparatively tame, amounting to less than a 5% reduction for those hardest hit.Where did the money come from? Who found the ugg australia knit bootspot of gold that is enabling the city to fill such a big funding gap? The answer, of course, is that no one found so much as a single hard penny. Actuaries simply juggled a few numbers on the city ledger and, voila, a paper windfall appeared. Don’t try this at home.The most important accounting change was the assumed rate of return on investments held in the city’s two big retirement funds. Previously, the annual rate of return was estimated at 6.25% and 6.5% on the two funds. Now the city is assuming a rate of return of 6.75% on both funds. Why the bump? In part, anyway, the city seems to be taking heart in the stock market’s big gain last year, when after lackluster returugg australia knit bootsns the past decade or so the S&P 500 rebounded with a glowing 32% total return.A sustained higher rate of return would mean more annual income for the funds, making them better able to meet benefits promises with the same amount of assets. But the question remains: Is the higher return assumption realistic? One year is not a trend. Many planners believe we have decades of slow growth and modest returns ahead. A bankruptcy judge still must rule on the rosier projections.A pension fund manager boosting the return assumption because stocks finally had a good year is a little like you at home predicting next winter won’t be so cold and slashing your heating budget. You might be right. ugg australia knit bootsBut it’s just a guess—and if the guess is wrong you will have to find the money elsewhere to heat the house. Your finances only looked better briefly; the picture dimmed as soon as another cold winter hit.So how realistic is the 6.75% return assumption? In the Detroit General Retirement System, annualized returns over the past seven years have been 3.9%, according to one analysis. The past five years, public pension funds have had a median annualized return of 5.3%, according to another analysis. Not so good, right?But let’s not throw Detroit’s leaders under the bus just yet. Because people generally work and accrue benefits over 40 years or so, pension funds can takeugg australia knit boots an extremely long view. The median pension fund return over the past 25 years has been 8.6%. The typical pension fund manager today assumes long-term rates of return between 7% and 8%. So Detroit has company, and may even seem cautious.Among others, Warren Buffett has scolded pension managers for not recognizing a fundamental shift to slower growth and lower returns. But the new assumptions in the Motor City aren’t completely unsupportable. Maybe the city’s employees will catch a much-needed break and get the higher returns that pension managers hope for.Bongs were ripped, pipes lit and reggae played as Denver residents celebrated the annual 420 marijuana holiday on Sunday, markugg australia knit bootsing the first time the event has occurred since pot was legalized in Colorado earlier this year.The two-day festival at Denver’s Civic Center Park climaxed at 4:20 p.m. on Sunday when tens thousands of smokers exhaled the now legal marijuana smoke into the crisp Rocky Mountain air and rapper B.o.B. dropped the song “Strange Clouds” on stage.Attendees listened to myriad musical acts and perused the numerous kiosks hawking everything from Greek fast food to glass pipes during the festival.4:20 Civic Center Park today #Denver420 pic.twitter.com/O0Oy3VJaVX— The Stoned Society™ (@stonedsociety) April 21, 2014NOW: Massive Cloud of Marijuana Smoke at 420 Rally in Civicugg australia knit boots Center Park in Denver, Colorado (H/T @Dougherty7NEWS) pic.twitter.com/4gn0uwQlOu— Breaking911hip with a parent campus. Iowa, for example, would not have been able to cut law tuition without financial support from the university, Agrawal said.Several deans said they expect enrollment to improve. But some also said they expect law schools to take a more measured approach to tuition hikes in the future. “I don’t think [tuition] will be frozen forever,” Agrawal said. “I don’t think it will go down again. But I also don’t expect it to rise precipitously.”This story was produced by The Hechinger Report, a nonprofit, nonpartisan education-news outlet based at Teachers College, Columbia University.To the great relief of firefighters, police and otheugg australia knit bootsr public employees in bankrupt Detroit, city fathers recently plugged a huge hole in their pension plans. For now, anyway, something close to these employees’ retirement dreams have been restored.But how did they do it? Just a few weeks ago, Detroit leaders pegged the pension shortfall at .5 billion—about 20% of the city’s total indebtedness—and they were threatening to slash benefits beyond already expected cuts of up to 14% for cops and firemen and 34% for other workers. Miraculously, workers are now being assured that benefits cuts will be comparatively tame, amounting to less than a 5% reduction for those hardest hit.Where did the money come from? Who found the ugg australia knit bootspot of gold that is enabling the city to fill such a big funding gap? The answer, of course, is that no one found so much as a single hard penny. Actuaries simply juggled a few numbers on the city ledger and, voila, a paper windfall appeared. Don’t try this at home.The most important accounting change was the assumed rate of return on investments held in the city’s two big retirement funds. Previously, the annual rate of return was estimated at 6.25% and 6.5% on the two funds. Now the city is assuming a rate of return of 6.75% on both funds. Why the bump? In part, anyway, the city seems to be taking heart in the stock market’s big gain last year, when after lackluster returugg australia knit bootsns the past decade or so the S&P 500 rebounded with a glowing 32% total return.A sustained higher rate of return would mean more annual income for the funds, making them better able to meet benefits promises with the same amount of assets. But the question remains: Is the higher return assumption realistic? One year is not a trend. Many planners believe we have decades of slow growth and modest returns ahead. A bankruptcy judge still must rule on the rosier projections.A pension fund manager boosting the return assumption because stocks finally had a good year is a little like you at home predicting next winter won’t be so cold and slashing your heating budget. You might be right. ugg australia knit bootsBut it’s just a guess—and if the guess is wrong you will have to find the money elsewhere to heat the house. Your finances only looked better briefly; the picture dimmed as soon as another cold winter hit.So how realistic is the 6.75% return assumption? In the Detroit General Retirement System, annualized returns over the past seven years have been 3.9%, according to one analysis. The past five years, public pension funds have had a median annualized return of 5.3%, according to another analysis. Not so good, right?But let’s not throw Detroit’s leaders under the bus just yet. Because people generally work and accrue benefits over 40 years or so, pension funds can takeugg australia knit boots an extremely long view. The median pension fund return over the past 25 years has been 8.6%. The typical pension fund manager today assumes long-term rates of return between 7% and 8%. So Detroit has company, and may even seem cautious.Among others, Warren Buffett has scolded pension managers for not recognizing a fundamental shift to slower growth and lower returns. But the new assumptions in the Motor City aren’t completely unsupportable. Maybe the city’s employees will catch a much-needed break and get the higher returns that pension managers hope for.Bongs were ripped, pipes lit and reggae played as Denver residents celebrated the annual 420 marijuana holiday on Sunday, markugg australia knit bootsing the first time the event has occurred since pot was legalized in Colorado earlier this year.The two-day festival at Denver’s Civic Center Park climaxed at 4:20 p.m. on Sunday when tens thousands of smokers exhaled the now legal marijuana smoke into the crisp Rocky Mountain air and rapper B.o.B. dropped the song “Strange Clouds” on stage.Attendees listened to myriad musical acts and perused the numerous kiosks hawking everything from Greek fast food to glass pipes during the festival.4:20 Civic Center Park today #Denver420 pic.twitter.com/O0Oy3VJaVX— The Stoned Society™ (@stonedsociety) April 21, 2014NOW: Massive Cloud of Marijuana Smoke at 420 Rally in Civicugg australia knit boots Center Park in Denver, Colorado (H/T @Dougherty7NEWS) pic.twitter.com/4gn0uwQlOu— Breaking911hip with a parent campus. Iowa, for example, would not have been able to cut law tuition without financial support from the university, Agrawal said.Several deans said they expect enrollment to improve. But some also said they expect law schools to take a more measured approach to tuition hikes in the future. “I don’t think [tuition] will be frozen forever,” Agrawal said. “I don’t think it will go down again. But I also don’t expect it to rise precipitously.”This story was produced by The Hechinger Report, a nonprofit, nonpartisan education-news outlet based at Teachers College, Columbia University.To the great relief of firefighters, police and otheugg australia knit bootsr public employees in bankrupt Detroit, city fathers recently plugged a huge hole in their pension plans. For now, anyway, something close to these employees’ retirement dreams have been restored.But how did they do it? Just a few weeks ago, Detroit leaders pegged the pension shortfall at .5 billion—about 20% of the city’s total indebtedness—and they were threatening to slash benefits beyond already expected cuts of up to 14% for cops and firemen and 34% for other workers. Miraculously, workers are now being assured that benefits cuts will be comparatively tame, amounting to less than a 5% reduction for those hardest hit.Where did the money come from? Who found the ugg australia knit bootspot of gold that is enabling the city to fill such a big funding gap? The answer, of course, is that no one found so much as a single hard penny. Actuaries simply juggled a few numbers on the city ledger and, voila, a paper windfall appeared. Don’t try this at home.The most important accounting change was the assumed rate of return on investments held in the city’s two big retirement funds. Previously, the annual rate of return was estimated at 6.25% and 6.5% on the two funds. Now the city is assuming a rate of return of 6.75% on both funds. Why the bump? In part, anyway, the city seems to be taking heart in the stock market’s big gain last year, when after lackluster returugg australia knit bootsns the past decade or so the S&P 500 rebounded with a glowing 32% total return.A sustained higher rate of return would mean more annual income for the funds, making them better able to meet benefits promises with the same amount of assets. But the question remains: Is the higher return assumption realistic? One year is not a trend. Many planners believe we have decades of slow growth and modest returns ahead. A bankruptcy judge still must rule on the rosier projections.A pension fund manager boosting the return assumption because stocks finally had a good year is a little like you at home predicting next winter won’t be so cold and slashing your heating budget. You might be right. ugg australia knit bootsBut it’s just a guess—and if the guess is wrong you will have to find the money elsewhere to heat the house. Your finances only looked better briefly; the picture dimmed as soon as another cold winter hit.So how realistic is the 6.75% return assumption? In the Detroit General Retirement System, annualized returns over the past seven years have been 3.9%, according to one analysis. The past five years, public pension funds have had a median annualized return of 5.3%, according to another analysis. Not so good, right?But let’s not throw Detroit’s leaders under the bus just yet. Because people generally work and accrue benefits over 40 years or so, pension funds can takeugg australia knit boots an extremely long view. The median pension fund return over the past 25 years has been 8.6%. The typical pension fund manager today assumes long-term rates of return between 7% and 8%. So Detroit has company, and may even seem cautious.Among others, Warren Buffett has scolded pension managers for not recognizing a fundamental shift to slower growth and lower returns. But the new assumptions in the Motor City aren’t completely unsupportable. Maybe the city’s employees will catch a much-needed break and get the higher returns that pension managers hope for.Bongs were ripped, pipes lit and reggae played as Denver residents celebrated the annual 420 marijuana holiday on Sunday, markugg australia knit bootsing the first time the event has occurred since pot was legalized in Colorado earlier this year.The two-day festival at Denver’s Civic Center Park climaxed at 4:20 p.m. on Sunday when tens thousands of smokers exhaled the now legal marijuana smoke into the crisp Rocky Mountain air and rapper B.o.B. dropped the song “Strange Clouds” on stage.Attendees listened to myriad musical acts and perused the numerous kiosks hawking everything from Greek fast food to glass pipes during the festival.4:20 Civic Center Park today #Denver420 pic.twitter.com/O0Oy3VJaVX— The Stoned Society™ (@stonedsociety) April 21, 2014NOW: Massive Cloud of Marijuana Smoke at 420 Rally in Civicugg australia knit boots Center Park in Denver, Colorado (H/T @Dougherty7NEWS) pic.twitter.com/4gn0uwQlOu— Breaking911yeezy 350 turtle dove laces

yeezy 350 9.5hip with a parent campus. Iowa, for example, would not have been able to cut law tuition without financial support from the university, Agrawal said.Several deans said they expect enrollment to improve. But some also said they expect law schools to take a more measured approach to tuition hikes in the future. “I don’t think [tuition] will be frozen forever,” Agrawal said. “I don’t think it will go down again. But I also don’t expect it to rise precipitously.”This story was produced by The Hechinger Report, a nonprofit, nonpartisan education-news outlet based at Teachers College, Columbia University.To the great relief of firefighters, police and otheugg australia knit bootsr public employees in bankrupt Detroit, city fathers recently plugged a huge hole in their pension plans. For now, anyway, something close to these employees’ retirement dreams have been restored.But how did they do it? Just a few weeks ago, Detroit leaders pegged the pension shortfall at .5 billion—about 20% of the city’s total indebtedness—and they were threatening to slash benefits beyond already expected cuts of up to 14% for cops and firemen and 34% for other workers. Miraculously, workers are now being assured that benefits cuts will be comparatively tame, amounting to less than a 5% reduction for those hardest hit.Where did the money come from? Who found the ugg australia knit bootspot of gold that is enabling the city to fill such a big funding gap? The answer, of course, is that no one found so much as a single hard penny. Actuaries simply juggled a few numbers on the city ledger and, voila, a paper windfall appeared. Don’t try this at home.The most important accounting change was the assumed rate of return on investments held in the city’s two big retirement funds. Previously, the annual rate of return was estimated at 6.25% and 6.5% on the two funds. Now the city is assuming a rate of return of 6.75% on both funds. Why the bump? In part, anyway, the city seems to be taking heart in the stock market’s big gain last year, when after lackluster returugg australia knit bootsns the past decade or so the S&P 500 rebounded with a glowing 32% total return.A sustained higher rate of return would mean more annual income for the funds, making them better able to meet benefits promises with the same amount of assets. But the question remains: Is the higher return assumption realistic? One year is not a trend. Many planners believe we have decades of slow growth and modest returns ahead. A bankruptcy judge still must rule on the rosier projections.A pension fund manager boosting the return assumption because stocks finally had a good year is a little like you at home predicting next winter won’t be so cold and slashing your heating budget. You might be right. ugg australia knit bootsBut it’s just a guess—and if the guess is wrong you will have to find the money elsewhere to heat the house. Your finances only looked better briefly; the picture dimmed as soon as another cold winter hit.So how realistic is the 6.75% return assumption? In the Detroit General Retirement System, annualized returns over the past seven years have been 3.9%, according to one analysis. The past five years, public pension funds have had a median annualized return of 5.3%, according to another analysis. Not so good, right?But let’s not throw Detroit’s leaders under the bus just yet. Because people generally work and accrue benefits over 40 years or so, pension funds can takeugg australia knit boots an extremely long view. The median pension fund return over the past 25 years has been 8.6%. The typical pension fund manager today assumes long-term rates of return between 7% and 8%. So Detroit has company, and may even seem cautious.Among others, Warren Buffett has scolded pension managers for not recognizing a fundamental shift to slower growth and lower returns. But the new assumptions in the Motor City aren’t completely unsupportable. Maybe the city’s employees will catch a much-needed break and get the higher returns that pension managers hope for.Bongs were ripped, pipes lit and reggae played as Denver residents celebrated the annual 420 marijuana holiday on Sunday, markugg australia knit bootsing the first time the event has occurred since pot was legalized in Colorado earlier this year.The two-day festival at Denver’s Civic Center Park climaxed at 4:20 p.m. on Sunday when tens thousands of smokers exhaled the now legal marijuana smoke into the crisp Rocky Mountain air and rapper B.o.B. dropped the song “Strange Clouds” on stage.Attendees listened to myriad musical acts and perused the numerous kiosks hawking everything from Greek fast food to glass pipes during the festival.4:20 Civic Center Park today #Denver420 pic.twitter.com/O0Oy3VJaVX— The Stoned Society™ (@stonedsociety) April 21, 2014NOW: Massive Cloud of Marijuana Smoke at 420 Rally in Civicugg australia knit boots Center Park in Denver, Colorado (H/T @Dougherty7NEWS) pic.twitter.com/4gn0uwQlOu— Breaking911hip with a parent campus. Iowa, for example, would not have been able to cut law tuition without financial support from the university, Agrawal said.Several deans said they expect enrollment to improve. But some also said they expect law schools to take a more measured approach to tuition hikes in the future. “I don’t think [tuition] will be frozen forever,” Agrawal said. “I don’t think it will go down again. But I also don’t expect it to rise precipitously.”This story was produced by The Hechinger Report, a nonprofit, nonpartisan education-news outlet based at Teachers College, Columbia University.To the great relief of firefighters, police and otheugg australia knit bootsr public employees in bankrupt Detroit, city fathers recently plugged a huge hole in their pension plans. For now, anyway, something close to these employees’ retirement dreams have been restored.But how did they do it? Just a few weeks ago, Detroit leaders pegged the pension shortfall at .5 billion—about 20% of the city’s total indebtedness—and they were threatening to slash benefits beyond already expected cuts of up to 14% for cops and firemen and 34% for other workers. Miraculously, workers are now being assured that benefits cuts will be comparatively tame, amounting to less than a 5% reduction for those hardest hit.Where did the money come from? Who found the ugg australia knit bootspot of gold that is enabling the city to fill such a big funding gap? The answer, of course, is that no one found so much as a single hard penny. Actuaries simply juggled a few numbers on the city ledger and, voila, a paper windfall appeared. Don’t try this at home.The most important accounting change was the assumed rate of return on investments held in the city’s two big retirement funds. Previously, the annual rate of return was estimated at 6.25% and 6.5% on the two funds. Now the city is assuming a rate of return of 6.75% on both funds. Why the bump? In part, anyway, the city seems to be taking heart in the stock market’s big gain last year, when after lackluster returugg australia knit bootsns the past decade or so the S&P 500 rebounded with a glowing 32% total return.A sustained higher rate of return would mean more annual income for the funds, making them better able to meet benefits promises with the same amount of assets. But the question remains: Is the higher return assumption realistic? One year is not a trend. Many planners believe we have decades of slow growth and modest returns ahead. A bankruptcy judge still must rule on the rosier projections.A pension fund manager boosting the return assumption because stocks finally had a good year is a little like you at home predicting next winter won’t be so cold and slashing your heating budget. You might be right. ugg australia knit bootsBut it’s just a guess—and if the guess is wrong you will have to find the money elsewhere to heat the house. Your finances only looked better briefly; the picture dimmed as soon as another cold winter hit.So how realistic is the 6.75% return assumption? In the Detroit General Retirement System, annualized returns over the past seven years have been 3.9%, according to one analysis. The past five years, public pension funds have had a median annualized return of 5.3%, according to another analysis. Not so good, right?But let’s not throw Detroit’s leaders under the bus just yet. Because people generally work and accrue benefits over 40 years or so, pension funds can takeugg australia knit boots an extremely long view. The median pension fund return over the past 25 years has been 8.6%. The typical pension fund manager today assumes long-term rates of return between 7% and 8%. So Detroit has company, and may even seem cautious.Among others, Warren Buffett has scolded pension managers for not recognizing a fundamental shift to slower growth and lower returns. But the new assumptions in the Motor City aren’t completely unsupportable. Maybe the city’s employees will catch a much-needed break and get the higher returns that pension managers hope for.Bongs were ripped, pipes lit and reggae played as Denver residents celebrated the annual 420 marijuana holiday on Sunday, markugg australia knit bootsing the first time the event has occurred since pot was legalized in Colorado earlier this year.The two-day festival at Denver’s Civic Center Park climaxed at 4:20 p.m. on Sunday when tens thousands of smokers exhaled the now legal marijuana smoke into the crisp Rocky Mountain air and rapper B.o.B. dropped the song “Strange Clouds” on stage.Attendees listened to myriad musical acts and perused the numerous kiosks hawking everything from Greek fast food to glass pipes during the festival.4:20 Civic Center Park today #Denver420 pic.twitter.com/O0Oy3VJaVX— The Stoned Society™ (@stonedsociety) April 21, 2014NOW: Massive Cloud of Marijuana Smoke at 420 Rally in Civicugg australia knit boots Center Park in Denver, Colorado (H/T @Dougherty7NEWS) pic.twitter.com/4gn0uwQlOu— Breaking911hip with a parent campus. Iowa, for example, would not have been able to cut law tuition without financial support from the university, Agrawal said.Several deans said they expect enrollment to improve. But some also said they expect law schools to take a more measured approach to tuition hikes in the future. “I don’t think [tuition] will be frozen forever,” Agrawal said. “I don’t think it will go down again. But I also don’t expect it to rise precipitously.”This story was produced by The Hechinger Report, a nonprofit, nonpartisan education-news outlet based at Teachers College, Columbia University.To the great relief of firefighters, police and otheugg australia knit bootsr public employees in bankrupt Detroit, city fathers recently plugged a huge hole in their pension plans. For now, anyway, something close to these employees’ retirement dreams have been restored.But how did they do it? Just a few weeks ago, Detroit leaders pegged the pension shortfall at .5 billion—about 20% of the city’s total indebtedness—and they were threatening to slash benefits beyond already expected cuts of up to 14% for cops and firemen and 34% for other workers. Miraculously, workers are now being assured that benefits cuts will be comparatively tame, amounting to less than a 5% reduction for those hardest hit.Where did the money come from? Who found the ugg australia knit bootspot of gold that is enabling the city to fill such a big funding gap? The answer, of course, is that no one found so much as a single hard penny. Actuaries simply juggled a few numbers on the city ledger and, voila, a paper windfall appeared. Don’t try this at home.The most important accounting change was the assumed rate of return on investments held in the city’s two big retirement funds. Previously, the annual rate of return was estimated at 6.25% and 6.5% on the two funds. Now the city is assuming a rate of return of 6.75% on both funds. Why the bump? In part, anyway, the city seems to be taking heart in the stock market’s big gain last year, when after lackluster returugg australia knit bootsns the past decade or so the S&P 500 rebounded with a glowing 32% total return.A sustained higher rate of return would mean more annual income for the funds, making them better able to meet benefits promises with the same amount of assets. But the question remains: Is the higher return assumption realistic? One year is not a trend. Many planners believe we have decades of slow growth and modest returns ahead. A bankruptcy judge still must rule on the rosier projections.A pension fund manager boosting the return assumption because stocks finally had a good year is a little like you at home predicting next winter won’t be so cold and slashing your heating budget. You might be right. ugg australia knit bootsBut it’s just a guess—and if the guess is wrong you will have to find the money elsewhere to heat the house. Your finances only looked better briefly; the picture dimmed as soon as another cold winter hit.So how realistic is the 6.75% return assumption? In the Detroit General Retirement System, annualized returns over the past seven years have been 3.9%, according to one analysis. The past five years, public pension funds have had a median annualized return of 5.3%, according to another analysis. Not so good, right?But let’s not throw Detroit’s leaders under the bus just yet. Because people generally work and accrue benefits over 40 years or so, pension funds can takeugg australia knit boots an extremely long view. The median pension fund return over the past 25 years has been 8.6%. The typical pension fund manager today assumes long-term rates of return between 7% and 8%. So Detroit has company, and may even seem cautious.Among others, Warren Buffett has scolded pension managers for not recognizing a fundamental shift to slower growth and lower returns. But the new assumptions in the Motor City aren’t completely unsupportable. Maybe the city’s employees will catch a much-needed break and get the higher returns that pension managers hope for.Bongs were ripped, pipes lit and reggae played as Denver residents celebrated the annual 420 marijuana holiday on Sunday, markugg australia knit bootsing the first time the event has occurred since pot was legalized in Colorado earlier this year.The two-day festival at Denver’s Civic Center Park climaxed at 4:20 p.m. on Sunday when tens thousands of smokers exhaled the now legal marijuana smoke into the crisp Rocky Mountain air and rapper B.o.B. dropped the song “Strange Clouds” on stage.Attendees listened to myriad musical acts and perused the numerous kiosks hawking everything from Greek fast food to glass pipes during the festival.4:20 Civic Center Park today #Denver420 pic.twitter.com/O0Oy3VJaVX— The Stoned Society™ (@stonedsociety) April 21, 2014NOW: Massive Cloud of Marijuana Smoke at 420 Rally in Civicugg australia knit boots Center Park in Denver, Colorado (H/T @Dougherty7NEWS) pic.twitter.com/4gn0uwQlOu— Breaking911,yeezy boost pirate black real vs fakehip with a parent campus. Iowa, for example, would not have been able to cut law tuition without financial support from the university, Agrawal said.Several deans said they expect enrollment to improve. But some also said they expect law schools to take a more measured approach to tuition hikes in the future. “I don’t think [tuition] will be frozen forever,” Agrawal said. “I don’t think it will go down again. But I also don’t expect it to rise precipitously.”This story was produced by The Hechinger Report, a nonprofit, nonpartisan education-news outlet based at Teachers College, Columbia University.To the great relief of firefighters, police and otheugg australia knit bootsr public employees in bankrupt Detroit, city fathers recently plugged a huge hole in their pension plans. For now, anyway, something close to these employees’ retirement dreams have been restored.But how did they do it? Just a few weeks ago, Detroit leaders pegged the pension shortfall at .5 billion—about 20% of the city’s total indebtedness—and they were threatening to slash benefits beyond already expected cuts of up to 14% for cops and firemen and 34% for other workers. Miraculously, workers are now being assured that benefits cuts will be comparatively tame, amounting to less than a 5% reduction for those hardest hit.Where did the money come from? Who found the ugg australia knit bootspot of gold that is enabling the city to fill such a big funding gap? The answer, of course, is that no one found so much as a single hard penny. Actuaries simply juggled a few numbers on the city ledger and, voila, a paper windfall appeared. Don’t try this at home.The most important accounting change was the assumed rate of return on investments held in the city’s two big retirement funds. Previously, the annual rate of return was estimated at 6.25% and 6.5% on the two funds. Now the city is assuming a rate of return of 6.75% on both funds. Why the bump? In part, anyway, the city seems to be taking heart in the stock market’s big gain last year, when after lackluster returugg australia knit bootsns the past decade or so the S&P 500 rebounded with a glowing 32% total return.A sustained higher rate of return would mean more annual income for the funds, making them better able to meet benefits promises with the same amount of assets. But the question remains: Is the higher return assumption realistic? One year is not a trend. Many planners believe we have decades of slow growth and modest returns ahead. A bankruptcy judge still must rule on the rosier projections.A pension fund manager boosting the return assumption because stocks finally had a good year is a little like you at home predicting next winter won’t be so cold and slashing your heating budget. You might be right. ugg australia knit bootsBut it’s just a guess—and if the guess is wrong you will have to find the money elsewhere to heat the house. Your finances only looked better briefly; the picture dimmed as soon as another cold winter hit.So how realistic is the 6.75% return assumption? In the Detroit General Retirement System, annualized returns over the past seven years have been 3.9%, according to one analysis. The past five years, public pension funds have had a median annualized return of 5.3%, according to another analysis. Not so good, right?But let’s not throw Detroit’s leaders under the bus just yet. Because people generally work and accrue benefits over 40 years or so, pension funds can takeugg australia knit boots an extremely long view. The median pension fund return over the past 25 years has been 8.6%. The typical pension fund manager today assumes long-term rates of return between 7% and 8%. So Detroit has company, and may even seem cautious.Among others, Warren Buffett has scolded pension managers for not recognizing a fundamental shift to slower growth and lower returns. But the new assumptions in the Motor City aren’t completely unsupportable. Maybe the city’s employees will catch a much-needed break and get the higher returns that pension managers hope for.Bongs were ripped, pipes lit and reggae played as Denver residents celebrated the annual 420 marijuana holiday on Sunday, markugg australia knit bootsing the first time the event has occurred since pot was legalized in Colorado earlier this year.The two-day festival at Denver’s Civic Center Park climaxed at 4:20 p.m. on Sunday when tens thousands of smokers exhaled the now legal marijuana smoke into the crisp Rocky Mountain air and rapper B.o.B. dropped the song “Strange Clouds” on stage.Attendees listened to myriad musical acts and perused the numerous kiosks hawking everything from Greek fast food to glass pipes during the festival.4:20 Civic Center Park today #Denver420 pic.twitter.com/O0Oy3VJaVX— The Stoned Society™ (@stonedsociety) April 21, 2014NOW: Massive Cloud of Marijuana Smoke at 420 Rally in Civicugg australia knit boots Center Park in Denver, Colorado (H/T @Dougherty7NEWS) pic.twitter.com/4gn0uwQlOu— Breaking911hip with a parent campus. Iowa, for example, would not have been able to cut law tuition without financial support from the university, Agrawal said.Several deans said they expect enrollment to improve. But some also said they expect law schools to take a more measured approach to tuition hikes in the future. “I don’t think [tuition] will be frozen forever,” Agrawal said. “I don’t think it will go down again. But I also don’t expect it to rise precipitously.”This story was produced by The Hechinger Report, a nonprofit, nonpartisan education-news outlet based at Teachers College, Columbia University.To the great relief of firefighters, police and otheugg australia knit bootsr public employees in bankrupt Detroit, city fathers recently plugged a huge hole in their pension plans. For now, anyway, something close to these employees’ retirement dreams have been restored.But how did they do it? Just a few weeks ago, Detroit leaders pegged the pension shortfall at .5 billion—about 20% of the city’s total indebtedness—and they were threatening to slash benefits beyond already expected cuts of up to 14% for cops and firemen and 34% for other workers. Miraculously, workers are now being assured that benefits cuts will be comparatively tame, amounting to less than a 5% reduction for those hardest hit.Where did the money come from? Who found the ugg australia knit bootspot of gold that is enabling the city to fill such a big funding gap? The answer, of course, is that no one found so much as a single hard penny. Actuaries simply juggled a few numbers on the city ledger and, voila, a paper windfall appeared. Don’t try this at home.The most important accounting change was the assumed rate of return on investments held in the city’s two big retirement funds. Previously, the annual rate of return was estimated at 6.25% and 6.5% on the two funds. Now the city is assuming a rate of return of 6.75% on both funds. Why the bump? In part, anyway, the city seems to be taking heart in the stock market’s big gain last year, when after lackluster returugg australia knit bootsns the past decade or so the S&P 500 rebounded with a glowing 32% total return.A sustained higher rate of return would mean more annual income for the funds, making them better able to meet benefits promises with the same amount of assets. But the question remains: Is the higher return assumption realistic? One year is not a trend. Many planners believe we have decades of slow growth and modest returns ahead. A bankruptcy judge still must rule on the rosier projections.A pension fund manager boosting the return assumption because stocks finally had a good year is a little like you at home predicting next winter won’t be so cold and slashing your heating budget. You might be right. ugg australia knit bootsBut it’s just a guess—and if the guess is wrong you will have to find the money elsewhere to heat the house. Your finances only looked better briefly; the picture dimmed as soon as another cold winter hit.So how realistic is the 6.75% return assumption? In the Detroit General Retirement System, annualized returns over the past seven years have been 3.9%, according to one analysis. The past five years, public pension funds have had a median annualized return of 5.3%, according to another analysis. Not so good, right?But let’s not throw Detroit’s leaders under the bus just yet. Because people generally work and accrue benefits over 40 years or so, pension funds can takeugg australia knit boots an extremely long view. The median pension fund return over the past 25 years has been 8.6%. The typical pension fund manager today assumes long-term rates of return between 7% and 8%. So Detroit has company, and may even seem cautious.Among others, Warren Buffett has scolded pension managers for not recognizing a fundamental shift to slower growth and lower returns. But the new assumptions in the Motor City aren’t completely unsupportable. Maybe the city’s employees will catch a much-needed break and get the higher returns that pension managers hope for.Bongs were ripped, pipes lit and reggae played as Denver residents celebrated the annual 420 marijuana holiday on Sunday, markugg australia knit bootsing the first time the event has occurred since pot was legalized in Colorado earlier this year.The two-day festival at Denver’s Civic Center Park climaxed at 4:20 p.m. on Sunday when tens thousands of smokers exhaled the now legal marijuana smoke into the crisp Rocky Mountain air and rapper B.o.B. dropped the song “Strange Clouds” on stage.Attendees listened to myriad musical acts and perused the numerous kiosks hawking everything from Greek fast food to glass pipes during the festival.4:20 Civic Center Park today #Denver420 pic.twitter.com/O0Oy3VJaVX— The Stoned Society™ (@stonedsociety) April 21, 2014NOW: Massive Cloud of Marijuana Smoke at 420 Rally in Civicugg australia knit boots Center Park in Denver, Colorado (H/T @Dougherty7NEWS) pic.twitter.com/4gn0uwQlOu— Breaking911hip with a parent campus. Iowa, for example, would not have been able to cut law tuition without financial support from the university, Agrawal said.Several deans said they expect enrollment to improve. But some also said they expect law schools to take a more measured approach to tuition hikes in the future. “I don’t think [tuition] will be frozen forever,” Agrawal said. “I don’t think it will go down again. But I also don’t expect it to rise precipitously.”This story was produced by The Hechinger Report, a nonprofit, nonpartisan education-news outlet based at Teachers College, Columbia University.To the great relief of firefighters, police and otheugg australia knit bootsr public employees in bankrupt Detroit, city fathers recently plugged a huge hole in their pension plans. For now, anyway, something close to these employees’ retirement dreams have been restored.But how did they do it? Just a few weeks ago, Detroit leaders pegged the pension shortfall at .5 billion—about 20% of the city’s total indebtedness—and they were threatening to slash benefits beyond already expected cuts of up to 14% for cops and firemen and 34% for other workers. Miraculously, workers are now being assured that benefits cuts will be comparatively tame, amounting to less than a 5% reduction for those hardest hit.Where did the money come from? Who found the ugg australia knit bootspot of gold that is enabling the city to fill such a big funding gap? The answer, of course, is that no one found so much as a single hard penny. Actuaries simply juggled a few numbers on the city ledger and, voila, a paper windfall appeared. Don’t try this at home.The most important accounting change was the assumed rate of return on investments held in the city’s two big retirement funds. Previously, the annual rate of return was estimated at 6.25% and 6.5% on the two funds. Now the city is assuming a rate of return of 6.75% on both funds. Why the bump? In part, anyway, the city seems to be taking heart in the stock market’s big gain last year, when after lackluster returugg australia knit bootsns the past decade or so the S&P 500 rebounded with a glowing 32% total return.A sustained higher rate of return would mean more annual income for the funds, making them better able to meet benefits promises with the same amount of assets. But the question remains: Is the higher return assumption realistic? One year is not a trend. Many planners believe we have decades of slow growth and modest returns ahead. A bankruptcy judge still must rule on the rosier projections.A pension fund manager boosting the return assumption because stocks finally had a good year is a little like you at home predicting next winter won’t be so cold and slashing your heating budget. You might be right. ugg australia knit bootsBut it’s just a guess—and if the guess is wrong you will have to find the money elsewhere to heat the house. Your finances only looked better briefly; the picture dimmed as soon as another cold winter hit.So how realistic is the 6.75% return assumption? In the Detroit General Retirement System, annualized returns over the past seven years have been 3.9%, according to one analysis. The past five years, public pension funds have had a median annualized return of 5.3%, according to another analysis. Not so good, right?But let’s not throw Detroit’s leaders under the bus just yet. Because people generally work and accrue benefits over 40 years or so, pension funds can takeugg australia knit boots an extremely long view. The median pension fund return over the past 25 years has been 8.6%. The typical pension fund manager today assumes long-term rates of return between 7% and 8%. So Detroit has company, and may even seem cautious.Among others, Warren Buffett has scolded pension managers for not recognizing a fundamental shift to slower growth and lower returns. But the new assumptions in the Motor City aren’t completely unsupportable. Maybe the city’s employees will catch a much-needed break and get the higher returns that pension managers hope for.Bongs were ripped, pipes lit and reggae played as Denver residents celebrated the annual 420 marijuana holiday on Sunday, markugg australia knit bootsing the first time the event has occurred since pot was legalized in Colorado earlier this year.The two-day festival at Denver’s Civic Center Park climaxed at 4:20 p.m. on Sunday when tens thousands of smokers exhaled the now legal marijuana smoke into the crisp Rocky Mountain air and rapper B.o.B. dropped the song “Strange Clouds” on stage.Attendees listened to myriad musical acts and perused the numerous kiosks hawking everything from Greek fast food to glass pipes during the festival.4:20 Civic Center Park today #Denver420 pic.twitter.com/O0Oy3VJaVX— The Stoned Society™ (@stonedsociety) April 21, 2014NOW: Massive Cloud of Marijuana Smoke at 420 Rally in Civicugg australia knit boots Center Park in Denver, Colorado (H/T @Dougherty7NEWS) pic.twitter.com/4gn0uwQlOu— Breaking911adidas yeezy boost 750 europe release



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