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Our luxuriously soft beach towels are made from brushed microfiber with a 100% cotton back for extra absorption. The top of the towel has the image printed on it, and the back is white cotton. Our beach towels are available in two different sizes: beach towel (32" x 64") and beach sheet (37" x 74").
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Sally Gaydos
June 9th, 2019
Extremely disappointed. Placed order 10 days ago and it still has not been processed per customer service rep but my credit card was charged day order was placed. Looks like I will not be receiving this gift in time for retirement party next week. Advertise products ship in 2-3 days which is not true. Will never purchase from this vendor again!!!
Mandy Roberts
June 6th, 2019
Wren Building; College of Williams & Mary; brick colonial; cupola; snow; Lord Botetort statue; Williamsburg; VA; Virginia
As a freelance photographer, my files contain images of wildlife, domestic animals, flowers, landscapes, scenics and architecture from north America, Europe, Asia, Central America and some islands. My work has been published in calendars, advertising, greeting cards, book and magazine covers & interiors. Presently I have 21,000 images and this continues to grow monthly. To see samples of my work please visit http://sally-weigand.weebly.com, http://weigand.photoshelter.com, http://weigand.lenzus.com. I create greeting cards from my images with and without greetings. Please contact me for pricing and information.
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Well very best luck to you on the basics or ice dancing and whatever you pursue. Thanks for sharing nice stories with Yuna, she sound like a pretty down to earth sensible young lady who doesn't behave like a Superstar, which is pretty much how I'd imagined her to be.
Yup, can't go wrong with Adele One of my country's biggest exports!! Her art is real, comes from the heart, especially the early stuff like Rolling in the deep, so I am sure someone like Yuna would appreciate it a lot.
I didn't realize Essen's rink was still so cold and no heating, but it is nice to offer a bit more privacy for practice I suppose. In a way I am glad this intimate and basic setting provided her an ideal ground to do the comeback from almost ground zero (temperature too). It is all back to basics now for her including her coaching situations and how she mentioned she want approach her skating from a humble place just as a member of the Korean national team. As a Yuna fan, I really want to thank you guys for taking such good care of her in Germany. I heard it was the German ladies's champion Nicole Schott's father who volunteered to picked her up from the airport, which is just an extraordinary act of kindness and rather symbolic I thought. How cool!
Last edited by OS; 12-12-2012 at 01:38 PM.

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Chairman Shaw, Members of the Social Security Subcommittee, thank you for inviting me to Florida Atlantic University today to discuss the important issue of strengthening Social Security. I would like to take this opportunity to commend the Chairman for holding this hearing, and keeping this vitally important issue before the public. It's always a pleasure to get outside the Washington Beltway to discuss this issue, as it is one that affects all Americans, all around the country. President Bush and we at Social Security think strengthening Social Security is a critical issue and Commissioner Jo Anne Barnhart has made achieving sustainable solvency one of Social Security's four major strategic goals.
I would like to begin by discussing the current status of the Social Security program and how it works. Then I will address the financial challenges Social Security will face in the future. The numbers I will cite come directly from the 2003 Annual Report of Social Security's Board of Trustees.
Today, Social Security is running surpluses, but the Social Security program as currently financed is unsustainable over the long term. I must emphasize, as President Bush has repeatedly, that the benefits promised to current retirees and those nearing retirement are safe. Changes proposed to address Social Security's future financing shortfalls will not result in benefit reductions for retirees or near- retirees.
Social Security touches the lives of nearly everyone in America by paying benefits, issuing Social Security cards, and recording tax and earnings records. That is why the Social Security Act was recently voted in a poll conducted by the National Archives as one of the top 10 documents in American history, sharing that distinction with the Declaration of Independence and the Constitution among others. The Social Security Act and the Civil Rights Act were the only two pieces of legislation selected.
Social Security continues to be one of the most successful government programs. (Chart 1 ) Last year SSA paid over $450 billion in benefits to 47 million retirees, survivors, and disabled individuals and their dependents. Social Security is much more than a retirement program. Thirty percent of our beneficiaries are disabled or survivors -- widows, widowers and children. Nearly 157 million American workers paid Social Security taxes last year. They, their families, and the millions joining the system every year, are relying on Social Security for a major portion of their future financial security.
Social Security is essentially a "pay-as-you-go" system with today's payroll taxes paying today's benefits. (Chart 2 ) The combined employee and employer payroll tax is 12.4 percent on earnings up to $87,900 in this year. Over the years, the Social Security payroll tax rate has been increased 19 times. According to the Congressional Budget Office, 80 percent of workers are paying more in combined employee and employer payroll taxes than in income taxes.
Benefits have also changed over the years. (Chart 3 ) Just last year, due to a reform enacted 20 years ago, the normal retirement age is gradually starting to increase to eventually age 67. This year the age to collect full benefits is 65 years and 4 months. People can still collect Social Security retirement benefits as early as age 62, but the reduction will be greater as the normal retirement age increases.
Using the highest 35 years of earnings, the program has been designed to protect lower income workers such that their wage replacement rate is approximately 56 percent versus only 30 percent for a maximum wage earner.
Those lower wage-earner retirees are very reliant on Social Security benefits in retirement. As Chart 4 shows, the bottom quintile of retirees rely on Social Security and our means-tested Supplemental Security Income (SSI) program for 92 percent of their income while the middle quintile receive 68 percent from Social Security and SSI. And of course, Social Security is an extremely important source of income for over 14 million disabled workers and survivors.
The combined old age and disability trust funds are growing because payroll and income taxes paid on benefits currently exceed benefit payments. (Chart 5 ) Historically, the excess of taxes less benefit payments and small administrative payments is invested in special issue Treasury bonds, making the money available for other current government needs. In 2002 the funds grew to $1.4 trillion-an increase of 14 percent over the prior year. It should be noted, however, that half of that growth was from bonds issued to the fund to pay interest on existing assets.
For many years, the Trustees have stated that Social Security is unsustainable at scheduled benefit and tax rates. (Chart 6 ) They point out that pressure on the program's finances will begin in 2008, when the first baby boomers reach early retirement age and Social Security tax surpluses begin to decline. Beginning in 2018 the program is projected to begin paying out more in benefits than is collected in taxes. At that time the program will begin redeeming trust fund assets, consisting of government bonds, which will be repaid using Federal funds. By 2042, it is projected that all of the Treasury bonds that make up the trust fund assets will have been cashed in, and the Social Security trust fund assets will be exhausted.
The trust funds would need an additional $3.5 trillion today to be able to pay all scheduled benefits for the next 75 years. That means that, in addition to current Trust Fund assets, a lump sum of $3.5 trillion today, earning interest at the Treasury bond rate, would be sufficient to meet annual revenue shortfalls over the next 75 years. This $3.5 trillion is a figure roughly equal to the total public portion of the national debt. This measure of unfunded benefit obligations increased $200 billion in just one year. Absent any action to address this situation, this steady growth in the shortfall will continue, year after year.
Traditionally, the Trustees have measured the long-term financial health of the Social Security system by evaluating the system's operations over a 75-year period. However, the goal of strengthening Social Security is not simply to make the Social Security program solvent through 75 years but rather to achieve sustainable solvency, that is, to maintain solvency beyond the 75-year period and make Social Security permanently solvent. For this reason, the 2003 Trustees Report included a measure of the program's funding shortfall over the infinite horizon. Absent any benefit or tax changes, adding $10.5 trillion to the trust fund today would achieve sustainable solvency. This is the equivalent of almost $100,000 for each American family today. Without action the shortfall will continue to grow at a compounding rate.
The reason Social Security is unsustainable under current law is very simple - the aging of America. (Chart 7 ) People are living longer, the birth rate is low and the first baby boomers will be eligible to retire in 4 years. This combination means that the growth rate of retirees will begin to greatly exceed the growth of workers. As the chart shows, it is a looming iceberg.
The ratio of workers to beneficiaries has fallen from 8 to 1 in 1955 to 3.3 today. (Chart 8 ) In less than 15 years the ratio will fall to the unsustainable level of 2.9, at which time taxes received will be less than benefits payable.
Last year the General Accounting Office (GAO), at the request of the Congress, issued a report on what would happen to the Social Security program when the trust funds became exhausted. As both the GAO report and the Trustees' Annual Report show, in 2042 scheduled benefits would be cut by 27 percent. (Chart 9 ) That means anyone born in 1975 and thereafter, including my two children, will never have a year of full benefits as promised under current law.
In today's dollars, that would mean a reduction of over $600 per month or $7,500 a year for a married couple. Even many of the later baby boomers will have many years of reduced benefits. By the end of the 75-year period, the benefit reduction would be 35 percent. As the Comptroller General of the U.S. has testified, the study "dramatically illustrates the need for action sooner rather than later."
The Trustees said in their Annual Report, "The sooner adjustments are made, the smaller and less abrupt they will have to be." Changes can be phased in more gradually and spread over generations, reducing the need for any sudden and severe impact on American workers and their families. For example, the changes enacted to increase the retirement age in 1983 started last year -- 20 years later -- and were phased in over several decades.
Early action will also allow current workers plenty of time to properly plan for their retirement. And finally, the sooner action is taken, the sooner confidence can be restored to the Social Security program.
Reform alternatives are very well known as follows: (Chart 10 )
- Payroll tax increases have been the traditional reform. Over the last 50 years they have grown almost eight-fold in today's dollars for the average earner and over 14-fold for the maximum earner.
- Benefit reductions have been rarer although the increase in the retirement age is effectively a reduction in the growth of benefits. Again, I want to emphasize that the President's first principle is that any changes to the benefit structure will not affect today's retirees or near-retirees.
- A newer and more creative solution is to set aside money today to prefund future benefits and to increase the rate of return on Social Security funds. This can be done either by direct government investment in corporate stocks and bonds or by allowing individual Americans to invest in personal accounts The President has expressed his support for voluntary personal accounts, and opposes government investment of the Trust Fund in the stock market. Proponents suggest that moving Social Security partially toward a funded rather than a pay-as- you-go program can reduce the burden on future generations of workers and increase the benefits Social Security can afford to pay.
Turning to tax increases, to pay scheduled benefits over the next 75 years the combined Social Security tax would have to increase from today's 12.4 percent to almost 17 percent in 2042 and to 18.9 percent by 2077. (Chart 11 ) That is over a 50 percent increase in taxes, which would have a very negative impact on American workers and their families, on savings, and on the whole US economy.
Clearly, achieving sustainable solvency will be no easy task. However, delay only makes the task more difficult. (Chart 12 ) Solely as an illustration of the costs involved to reach solvency just through 2077, there would need to be either an immediate 15 percent increase in payroll taxes or a 13 percent reduction in benefits. If we wait until 2018, there would need to be a 22 percent increase in payroll taxes or a 16 percent reduction in benefits. And if we wait until the trust funds are exhausted in 2042, if nothing is done, payroll taxes would have to be increased by 46 percent, or benefits cut by nearly one-third.
The unattractiveness of relying exclusively on tax increases and benefit reductions to bring Social Security to balance, has led Republicans and Democrats to look for additional options. Mr. Chairman, this includes your own thoughtful proposal, the Social Security Guarantee Act of 2003. Your proposal and many other proposals, including those of President Bush's Commission to Strengthen Social Security, would establish personal accounts within Social Security. Combined with other changes personal accounts can help lead to a permanently sustainable Social Security system.
Personal accounts for younger generations could help most workers receive much higher total retirement benefits than are presently payable. The accounts, which allow more personal choice and control, would be inheritable in many of these proposals. They also would raise the private savings rate.
Opponents of personal accounts cite the volatility of stock market returns as a major negative. However, with regular investing proponents point out that over the long term, balanced, diversified funds have done better than Treasury bonds even at the bottom of the last bear market, and certainly after last year's recovery. Absent changes, scheduled benefits under the current program would have to be reduced 27 percent by 2042.
The other counter argument is that the required "seed" financing from general revenue that many personal account proposals require is not affordable. If we do not reform Social Security, as I have noted, $10.5 trillion in present-value dollars would be needed to enable the current program to pay scheduled benefits indefinitely. By setting aside money today in personal retirement accounts the expected cost to the taxpayer of paying scheduled benefits could be considerably reduced.
Most proposals analyzed by SSA's actuaries containing personal accounts would significantly reduce the long term cost of paying benefits. Each of these proposals contains its own balance between additional funding and the amount of benefits paid to future retirees. Families throughout America face a similar choice: how much can they afford to put aside in savings towards their own retirement? The more they put aside now, the less they will need to produce later; the same is true for our Social Security system.
Truly, "a stitch in time could save nine." As President Bush has said, "We will not deny, we will not ignore, we will not pass along our problems to other Congresses, to other presidents and other generations. We will confront them with focus and clarity and courage."
In March 2003, Social Security's Board of Trustees presented its annual report to President Bush personally. At this meeting, the President reiterated his support for action to strengthen Social Security, saying: (Chart 13 )
"...the Trustees confirmed that benefits for today's seniors are safe and secure. Promises made can and will be kept. The Trustees also once again have delivered a sobering message-Social Security, in its present form, is unsustainable for the long term. I share the Trustees' view that we need to explore new ways to ensure that Social Security remains strong and financially secure for America's children and grandchildren.
"I am encouraged by the unprecedented level of bipartisan interest in Social Security modernization. Many comprehensive proposals have been put forward to strengthen Social Security for the long term. Although these proposals differ in details, they are consistent in showing that if we give workers the opportunity to invest a portion of their wages in personal accounts, Social Security will be able to offer higher benefits than would otherwise be the case.
"...I hope that Members of Congress will join with the Social Security Administration and other interested parties in a national dialogue about how best to strengthen and protect Social Security. I look forward to working with Congress to see that Social Security remains sound and strong for today's and tomorrow's retirees."
This hearing, I hope, will be part of that process of working together to fulfill our obligations to the Social Security program and the hundreds of millions of Americans it serves, today and in the future. The Social Security Administration will continue to work with this subcommittee, other Members of Congress and outside groups to build this national dialogue into a bipartisan consensus on how to strengthen Social Security for future generations.
There is no other Federal program that touches the lives of so many Americans. And as important as the program is today, it will become even more important in the next few decades, when today's boomers become tomorrow's aged. Since 1935, America has found a way to provide financial security for its older citizens and, since 1957, for the disabled. We can and must find the way to do so in the future without unduly burdening succeeding generations.
In conclusion, I would like to just quote the old seafaring wisdom that I found applicable in my Navy days, which is "the world isn't interested in the storms you encountered, but whether or not you brought in the ship." We can sail straight into that perfect storm or we can change course. The sooner we change course, the smaller the changes will be and the sooner we can remove the uncertainties about Social Security's future.
I believe that this will be the true test of our own work. Storms of controversy often surround the issue of how to provide retirement security. As we look at those here today we can be proud that Social Security is here for today's seniors and redouble our commitment to ensure that Social Security will also be there for their children and grandchildren -- today's students.
Mr. Chairman, I again commend you for holding this hearing and for your efforts in keeping this issue before the public and, especially, for your very strong leadership in the bipartisan effort to strengthen Social Security. I will be happy to answer any questions you or the other Members have.


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Hi. This is Dr. Brandon Nevel with Sport and Spinal Rehab in Jupiter, Florida. We will be starting a video series going over many different subjects and different injuries. We will be going over chiropractic therapies, physical therapy, and spinal decompression. We will also be going over various muscular imbalances such at upper and lower cross syndrome and how to rehab different injuries. Stay tuned to TheJupiterChiropractor.com for more.
Posted on February 15, 2017
$65: 1-Hour Massage SpecialHeal tired and sore muscles with a 1-hour massage therapy treatment. Our licensed massage therapist is trained in various massage techniques. This special is available to new patients/clients only.
Dr. Brandon is so awesome. I had my first chiropractic experience here and it was better than I ever could've imagined. I wasn't sure what to expect when I walked in but his warm and friendly staff made me feel right a home. After one treatment my pain was significantly reduced. I was blown away!
This office is outstanding! I thought it was my back from sleeping and it would just go away over time. I should have called sooner to make an appointment! I felt an immediate difference within the first visit. Dr. Nevel adjusted more than my spine, he adjusted my attitude towards chiropractic medicine.
My wife and I have been patients of Dr. Nevel for almost 5 years. He is excellent at identifying underlying problems and carefully resolving them (for me my lower back, for my wife her neck and upper back), providing quick improvement and eliminating any pain we experience. We highly recommend Dr. Nevel!
If you're second-guessing chiropractic this place will make you wonder why you ever did. Dr. Nevel is one of the best chiropractors that I've ever seen and he makes me feel comfortable every time that I walk through the door. He isn't your usual doctor where he just sits there and looks at his watch. He actually spends time with his patients and make sure that you fully understand your diagnosis and treatment. I see him once a month for maintenance to prevent any reoccurring issues. Love this place!
Dr. Nevel is the first chiropractor I have been to, I have always been weary of the practice as a whole. However, he listened to my concerns, and made a wonderful effort to put me at ease and explains everything prior to doing it – he puts up with all of my questions! His staff are very pleasant and always make me feel welcome and that they are genuinely happy to see me. The office is very clean, and beautifully decorated to put you at ease right when you walk in the door! I love the choice of office music – not typical, and I love it!
Dr. Nevel is the BEST! He was caring, knowledgeable and patient with me; he took it slow (I was afraid of the manipulation procedure) despite his plans to leave the office early for the holiday weekend.. I was visiting Memorial Day weekend when I had excrutiating neck pain and had limited mobility of my neck on Friday morning! I am so glad I found this office. The staff was welcoming, friendly, and helpful; they seemed to truly care about me. I had gentle manipulation, stim, and was kinesio taped. The next day I felt AWESOME, and when the tape came off, no pain at all. When we move to Florida, I will NOT go anywhere else!!!!
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J. Crew took out a full-page ad to announce it brought back a vintage swimsuit that a customer begged for in an open letter, according to AdWeek.
Last year, Jenni Avins wrote an open letter published by New York Magazine's The Cut blog.
"It's that simple, sexy, and sporty suit with straight, tank-top-style shoulder straps that swoop like the letter U, dipping seductively in the back to the area just above my waist," Avins wrote. "These swimsuits filled the drawer I shared with my older sister in the nineties, and I took them for granted."
Avins' piece sparked other customers saying they missed the swimsuit.
In response, J. Crew just took out an ad in New York Magazine with a message from Creative Director Jenna Lyons.
The swimsuit is available for pre-order and costs $88.


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The Islamic Near East Gallery was open from 1977 through February 15, 2016.
The Penn Museum's Islamic Near East Gallery features art and objects from the Islamic world of Iraq, Iran, Syria, Turkey, and Egypt. Collected in the early 20th century, the architectural elements featured in this gallery contain intricate geometric designs.
Gallery Highlights
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Islamic Civilization counts its beginnings from 620 CE with the first year of the hijra or the migration of the prophet Muhammad and his small band of followers from Mecca to Medina. From there, the third of the great monotheistic Abrahamic faiths of the Old World grew into an empire through conquest and conversion to take over the southern provinces of the old Roman empire and entire Persian empire. So, by 750 CE, the new polity centered on Baghdad stretched from the Atlantic to the Indus River.
In subsequent waves of conquest and conversion, the Islamic religion and civilization, if not the original single continuous state, has expanded to stretch from South and South-East Asia into Sub-Saharan Africa and southeastern Europe. It has still a dynamic force of a religious ideology, although it is no longer a single polity or country.
What is presented in this gallery, however, is a much narrower range, coming from the central lands of the Islamic world: Iraq, Iran, Syria, Turkey and Egypt. These are the very regions where the more ancient cultures of Sumer and Assyria, of Pharaonic Egypt, of Neolithic and Bronze Age Iran, and of Asia Minor were discovered. The active engagement of the researchers and archaeologists from the Penn Museum over the last hundred years did not focus for the most part on the sites and material culture of the Islamic medieval periods. Driven by the excitement of the discovery of even more ancient cultures, they were often happy to ignore this intervening civilization that overlay the earlier ones. Thus, its archaeological expeditions as well as its collections have ventured only occasionally into the medieval periods after 700 CE.
The Islamic Gallery itself a reference to the times when the expeditions from the Penn Museum would land in late 19th and 20th century Cairo and Istanbul to begin their trips to sites of more ancient origin. As a parallel activity, some of these researchers, or more likely their friends and supporters, would collect what was available in antique shops in these capitals. What is built into the floor and walls of this room represents the architectural salvage of old palaces, monuments and houses. For example, the two marble fountains, the great door and the stained glass windows would have been part of a great hall and was very much part of gracious living quarters of the Cairene urban elite of the 14th through 18th centuries.
One intrepid researcher, Erich Schmidt, however, was different. When initiating archaeological research in Iran in the 1930's he took on the archaeological investigation of sites of all epochs. Barnstorming from site to important site in his wife's airplane, called the "Spirit of Iran" he managed to work on the following sites, all in the same years: pre-historic Cheshme Ali and Tepe Hissar, the famous site of Achaemenid Persepolis that was destroyed by Alexander, Parthian and Sassanid Hecatompolis that lay across the Silk Road, and two major urban centers of the medieval Islamic world, Rayy and Damghan that were destroyed by the Mongol invasions of the 1220's.


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In only his second year on the PGA Tour, Patrick Reed already is used to playing in the final group on Sunday — and winning.
But not against a field of stars at a World Golf Championship.
And not looking at a familiar figure in a red shirt playing in the group ahead of him.
Reed turned his game around in four holes Saturday at the Cadillac Championship and wound up with a 3-under 69 in much tamer conditions at Doral. It gave him a two-shot lead going into a final round that will prominently feature defending champion Tiger Woods for the first time this year.
Woods, who only a day earlier looked to be on the verge of shooting himself out of the tournament, delivered the low round of the week and his best round of a short season. He made eight birdies for a 66 and was only three shots behind.
"That's fine. I've seen Tiger a lot on the driving range. Never had the opportunity to play with him and I still haven't been able to play with him," Reed said. "Whenever he's close to the lead, he's a guy you have to watch out for. But at the same time, I have to go and just play my own game."
He did that beautifully on a sunny afternoon with not nearly as much wind on the new Blue Monster.
Reed rolled in a 40-foot eagle putt on No. 8, and started the back nine with consecutive birdies. He drove the green on the par-4 16th for a two-putt birdie that gave him the outright lead and finished with a two-shot advantage over PGA champion Jason Dufner (68) and Hunter Mahan, who bogeyed his last hole for a 71.
Reed was at 4-under 212, the highest 54-hole score to lead at Doral since a three-way tie at 212 in 1985.
The 23-year-old Texan will be going for his third win in his past 14 tournaments, dating to the Wyndham Championship in August. He was tied for the 54-hole lead that week and won in a playoff. Reed also went wire-to-wire to win the Humana Challenge in January.
He will be in the final group with Dufner, the most recent major champion. Right ahead will be Woods and Mahan.
It's right where Reed wants to be.
"If you have a 54-hole lead, that means you're playing the best golf of the group through three rounds," he said. "(Today) is Sunday, but at the same time, it's another round of golf. … We've won twice since August. We've played great. And if I continue doing what I'm supposed to be doing, come Sunday afternoon, hopefully we're holding the trophy."
Woods made three birdie putts of about 15 feet or longer on the back nine, including a 35-footer down the slope on the par-3 15th. His goal was to get back to even par for the tournament and hope to be within five shots of the leader.
It turned out much better.
Woods was one of five players who were under par, and he goes into today only three shots behind as he tries to win at Doral for the fifth time. Jamie Donaldson of Wales escaped from the palm trees right of the 18th and made par for a 71 to share fourth place with Woods.
"It was nice to get back in the tournament again," Woods said.
PGA Tour
Chesson Hadley took the third-round lead in the Puerto Rico Open, shooting a 5-under 67 in windy conditions at Trump International.
Making his 13th PGA Tour start, the 26-year-old Hadley had four birdies in an early five-hole stretch and also birdied the par-4 14th in wind gusting to 25 mph. He had a 16-under 200 total.
Danny Lee was a stroke back after a 66.
Hadley won twice last year on the Web.com Tour, taking the Rex Hospital Open in his hometown of Raleigh, N.C., and the season-ending Web.com Tour Championship. In Raleigh, he began the final round five strokes behind Lee and rallied to beat the New Zealand player by two strokes with a 64.
Jason Gore and Jonathan Byrd were tied for third at 14 under. Gore shot 66, and Byrd had a 67.
James Driscoll, the second-round leader after matching the tournament record with a 63, had a 75 to drop into a tie for 20th at 9 under.


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Total Members Voted: 8
Lawgirl, where do you go that prepped you so well in terms of exam-taking?
Yeah, where is LawGirl???Quote from: ormachea on March 31, 2005, 09:15:25 PMLawgirl, where do you go that prepped you so well in terms of exam-taking?
Yeah, where is LawGirl???
Quote from: Carrie on April 01, 2005, 06:31:46 PMYeah, where is LawGirl???She is too busy trying to study the "black letter law."
I've said this elsewhere, but if you find that outlining doesn't work for you, don't feel that you have to do it just because everyone else is. I've never outlined and I've done very well in school. I have a friend who only outlines if the exam is in class (rather than a take home) because he only needs to have quick access for an in class exam. Others feel that they really learn the stuff when they have to outline to go over it.I don't outline because I just find myself typing things in mindlessly - sometimes copying straight from the book which doesn't help me. I tend to go through my notes (handwritten) and highlight important points, sometimes writing those points into another, more condensed notepad. For example, for my first amendment exam I just wrote out the rules on separate pieces of paper and added notes about how to best apply them.I'd add a few other pieces of advice: if you do buy hornbooks I'd read them during the semester - you run out of time at the end. For example, when you start discovery in Civ Pro, I'd read the chapter on discovery in the E&E (most people say the E&E for Civ Pro is the best). That way you get a good overview and see how the pieces fit together.I'd also suggest writing at least one practice exam before your first set of exams. At least for me, there was just something about that blank piece of paper and figuring out how to best structure an answer. I know people use IRAC or whatever, but you still have to come up with the words and with that first sentence. I remember looking around during my first exam and a full half the class couldn't figure out what to start with.Finally, I liked reading through sample exam questions (from the prof are best though those are limited) and answers. CrunchTime series usually has good ones for a lot of courses. That helps you figure out how to apply the law - it isn't just about knowing the black letter law. Most of your class will enter the exam knowing the same black letter law that you do. To distinguish yourself you'll have to apply it well.All I can think of now... perhaps I should get back to my own exam studies...So how exactly did you study if you didn't outline? I know for most people it is an incredible time commitment to outline... how else did you allocate your broad study time if not to outline? The reason why I ask is because I don't think outlining will work for me either... or help me "think" through and learn the material. I'll just end up copying verbatim from some commercial outline... waste my time and at the end of it have learned nothing. I think a lot of people are scared to admit that outlining just isn't for them... simply because EVERYONE and their dog does it.


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