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Sep 27 - Homily: God is the Measure of Glory
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Uploaded by AirMaria on Sep 28, 2013
Fr. Louis Maximilian gives the first homily of the MIM 3rd Order retreat for 2013 in Bloomington, Indiana. He focuses on the first reading from the prophet Haggai where he encourages the Israelites to continue with the building the temple even though the new temple was Ānot as grand as the one destroyed by the Babylonians. He relates this to the modest means that we have and that St Francis had to build a great spiritual edifice. But God provides the means necessary as they are necessary and He will be the glory of all our spiritual efforts. We have to let God provide. Ave Maria! Mass: St. Vincent de Paul - Mem - Form:ĀOF Readings:ĀFriday 25th Week of Ordinary Time 1st: hag 1:15-2:9 Resp: psa 43:1, 2, 3, 4 Gsp: luk 9:18-22 To Download Audio go to http://airmaria.com?p=38603
2013 3rd Order Bloomington F.I. Glory God Indiana MIM Retreat Temple TFI
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WEAVER'S COTTAGE, stone-built terraced cottage, WiFi, woodburner, walks from the door, in Skipton, Ref 31110
From $414 / week
Description from the manager
Description from the manager
Bedrooms: 2/
Bathrooms: 1/
Sleeps: 4/
Type: House
This terraced cottage situated in the town of Skipton sleeps four people in two bedrooms. Weaver's Cottage is a stone-built, terraced cottage situated in the market town of Skipton, known as The Gateway to the Dales. This cottage sleeps four people in two bedrooms, consisting of one double and one twin, as well as a main bathroom. Also at this property there is a kitchen with dining area and a sitting room with woodburning stove. Outside there is roadside parking and a small rear yard with outdoor furniture. Weaver's Cottage is an ideal holiday home for those that wish to explore the Yorkshire Dales National Park and many other delightful places ...Read more
About the manager
About the manager
Sykes Holiday Cottages
Sykes Holiday Cottages
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- Calendar updated: 3 weeks ago
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When man has had no god to worship, he has often made one for himself. Usually these homemade gods deified a man's own pet vices. Man enjoyed drinking, so he made himself a god named Bacchus, who smiled on wine and revelry. He wanted to make war on his enemies, so he made himself a God named Mars who promised victory in battle. Down through the ages, man has sought to make gods that would aid and abet him in his chosen lifestyle.
But what happens when these "home-made gods" meet the true and living God? The Bible records just such a confrontation in I Kings 18, when God Almighty won a showdown with Baal. It was not a theological debate, but rather a demonstration of power and a call for decision. The word "baal" means "owner," and Baalism was a lifestyle of materialism, possessions and self-rule. (Sound familiar?) Baal-worshippers were "top of the heap" folks who had money, power and autonomy in their day.
Baal worshippers believed they had the world (and their home-made god) by the tail. Worshippers of Jehovah God believed that He had them! All the singing and crying and praying in the world could not bring down Baal to light a fire on his altar. But one man's prayer to the one true God brought fire so hot it consumed an altar that had been soaked three times with water! When the onlookers saw this, they became believers: "The Lord He is God," they said. "The Lord He is God."
I KINGS 18:39 And when all the people saw it, they fell on their faces and they said, "the Lord, He is God; the Lord He is God."
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This property allows you to book online with a credit card. After submitting a reservation request, the owner or manager has 24 hours to accept, at which time your card will be charged and you will receive an email confirmation
Recent Belltown reviews
"Rating Details: The property manager was very helpful. The vacation rental was spotless. I was very happy with the location. I was very satisfied with the condition of the vacation rental. Overall, I recommend this vacation rental. Reviewer Comments: This was our first trip to Seattle in 20 years. Great location close to everything. Condo was clean with all amenities that we needed. Will definitely come back and stay in the same place!"Guest: Kelly H. Date of Stay: June 2015 Review Submitted: June 29, 2015View listing
"Fabulous vacation. 5Star condo with perfect location. It was walking distance (if you like to hoof it) to so many must see Seattle sites-Pike Market, Seattle Center, Victoria Clipper ships. The garage was handy, as we visit Boeing Plant, which was 25miles away. Great restaurants close by. Autumn, the Manager, is extremely efficient, enthusiastic and easily accessible. Hope to be back soon!!"Guest: JD Date of Stay: July 2015 Review Submitted: July 24, 2015View listing
"Rating Details: The property manager was very helpful. The vacation rental was spotless. I was very happy with the location. I was more than satisfied with the condition of the vacation rental. Overall, I recommend this vacation rental. Reviewer Comments: The condo was in a very nice building and very clean. Great location for the Space Needle, Pike's Place, EMP museum and the Space Museum. It had beautiful views and was very adequate. Easy check in and check out. Sea and Sky Rentals were very helpful. I would stay here again."Guest: kimberly f. Date of Stay: June 2015 Review Submitted: July 7, 2015View listing
"This condo is every bit as lovely as the pictures. The view is marvelous and the location could not be any better. You don't need a car as you can easily walk everywhere, but with the included underground parking space, we did rent a car and visited several places outside of Seattle...especially enjoyed the Boeing Plant in Everett and the wine country in Woodinville. We loved having the wine refrigerator for our 10 day stay. Also, having the W/D in the unit was much appreciated. The kitchen is well equipped, the shower is huge, the towels are soft and fluffy, the bed is super comfy, there is plenty of light in the double sink vanity area, the WiFi is fast and dependable, the condo is very quiet and comfortable and with the flip of a switch there is a fire in the fireplace. There is a big walk-in closet with plenty of room for your luggage and plenty of hangers for your clothes. There are also plenty of drawers in the dresser in the bedroom. We liked the roof terrace, which has several tables and chairs for dining and/or cocktails and we we used the grill up there a few times. The view from the condo balcony as well as from inside the apartment through the big windows is great for watching the ships come and go and watching the sun set, and looking down on the courtyard is very pretty too. The entire building is nice and extremely well maintained and all the staff were so friendly and helpful. Our favorite restaurant turned out to be one at the Pike Market....Place Pigalle...beautiful view, excellent menu, outstanding wine list, attentive owner, not inexpensive but not ridiculous...good value for the money. We were so lucky with the weather...we stayed the first 10 days of October and I never took the umbrellas out of the suitcase. This is definitely a 5 star condo and I hope we get to return in the next couple of years. Preben and Nicole were so helpful with the couple of questions that we did have, but they have included most everything that you might ask in the instructions that they give you. Excellent choice in Seattle!"Guest: Pamela L. Date of Stay: October 2014 Review Submitted: October 17, 2014View listing
Featured Destinations: Yosemite Cabins, Lake Nacimiento, Lake Tahoe Cabin Rentals, Lake Almanor


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National Institute Of Metrology Guest House
No prices found through our partners. Please contact the business directly or check some of our recommended alternatives.
TripAdvisor Reviews National Institute Of Metrology Guest House Beijing
Travel Blogs from Beijing
Lesson Learned
This morning began as each of the previous three with my alarm going off at six am and me getting ready to meet my guide for 7:30. I had run out of protein bars and was forced to go to the lobby of the hotel for breakfast. I had tried getting sunny side up eggs and toast a couple of days earlier but that egg was overcooked so badly it was nearly inedible to me. The toast was really good and of freshly made bread so today I opted for just the toast ...
China Day 4
... I have ever done in my life! The toboggan was not at all what I thought it would be like...you picture a wooden sled going down snow right?! Nope! Just a HUGE steel slide which went SO fast! Once we got to the bottom, me and Emily purchased matching "I climbed the Great Wall T-shirts" classic, and we headed to dinner. Pecking Duck, which was so delicious! You put in in these little tortilla things with cucumbers and yuummm!
The most unreal day of my life.
-Elle ...
Day 33 - Beijing Leaving Beers
... so I'm not quite sure why it was so out of touch with the rest of the city. We checked a couple more bars, but they had similar prices, so we hailed a couple of cabs (with considerably more success than our last effort) and headed back to the hostel bar, as it was now getting quite late. When we got back to the hostel bar, it was dead, but we were a reasonable sized group and another large group quickly followed so it livened up a bit. It livened ...
Hot Pot Confusion
... a hot pot in China I think perfectly illustrates the absolute confusion (and hilarity) that is trying to do pretty anything in China.
There is a documentary that came out a few years ago called "God Grew Tired of Us" about the lost boys of Sudan. The movie follows a group of these boys as they make their way from Africa to their new homes in the United States. On the plane ride over they are all totally perplexed by the food offered. They ...
Back in Beijing after some years
... turned out that we only had two hours before our return to Beijing and that the climb to the wall via stairs would have taken at least 30 minutes, i.e. a full hour round-trip. So we had to actually pay 80 Yuan (10 euros) for a round-way ticket with a cable-car that connected the bus-parking spot with the actual wall. Oh well, what are you gonna do about it...
Up on top of the wall, we had the full excitement of rain and fog. Taking pictures of the wall was quite challenging as ...
Other places to stay in Beijing
The Ministry of Education Hotel Beijing阜成门, Beijing | Resortfrom $56
Qingyunge Hotel??, Beijing | Resortfrom $33
Guest House For Beijing University Of Chemical Technology北土城东路, Beijing | Resortfrom $41


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Latest Headlines
Forget the battle of the bands: A looming fight between streaming music provider Spotify and Apple's recently-launched Apple Music service has stirred up considerable curiosity among developers over an attempt to do an end-run around the App Store.
UAE operator du said it has enough Apple iPhone 6 and iPhone 6 Plus smartphones to meet strong demand for the devices, amid warnings of counterfeit versions being sold in the market.
Apple may change the Beats Music streaming music service it acquired along with Beats Electronics in May for $3 billion, and may drop the Beats brand for the fledgling music service, according to a Re/code report.
Apple is considering creating an iTunes app for smartphones running Google's Android software, according to a Billboard report. Such a move would break with Apple's strategy of keeping iTunes only for its mobile devices running its iOS software.
A look at the mobile video apps Sprout NOW and USA Network NOW that Comcast's NBCUniversal has launched for two of its cable networks show both the progress the industry has made with TV Everywhere, and how over-the-top-video could shake up the sector.
The Disney Movies Anywhere service for PCs and iOS requires an iTunes account now, but in the future Disney expects to work with other "provider partners."
Pay-TV distributors will face new competition for sales of paid video-on-demand movies with the launch of a cloud-based movie service that Walt Disney Co. launched Tuesday with Apple.
Half a year after introducing the Chromecast, Google has thrown open the gates to its $35 HDMI dongle, giving any app developer who meets its terms of service access to the TV. That could mean a huge step forward for consumers' ability to watch online video on HDTV sets, and it certainly means a big step forward in the ability of independent app makers to reach viewers. But I wonder who will take Google up on its open invitation.
Reports that Apple will manufacture and sell a TV set will not die. The latest comes from Tokyo-based Masahiko Ishino, an analyst at Advanced Research Japan Co., who says he expects Apple to start selling ultra-HD TV sets in late 2014.
Increased spending on programming production and marketing expenses needed to launch new series on AMC, IFC, Sundance and women's network WE will "create volatility" for the company's profit margins, AMC Networks CFO Sean Sullivan said at the Goldman Sachs Communacopia conference Tuesday.
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...I believe each student has a different way of learning and the best teachers are those who can accommodate for those needs. I am very flexible with time. Although I have a 24-hour cancellation policy, I offer make-up classes.
Newtown, PAView Tutor
...I love learning about plants and animals, and did very well in these classes. Both Discrete and Finite math are covered by a standard higher level mathematics education. The topics are covered in many courses, including graph theory, topology, and combinatorics.
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...One such activity is volunteering for a local dog rescue called Wet Nose Rescue. I thoroughly enjoy helping dogs find their forever homes. Furthermore, I have been doing martial arts for about ten years.
Newtown, PAView Tutor


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Recycled Cement Sack Handbag
Roll over image to zoom in
Make a concrete statement about your support for women in need in Bangladesh as they work to cement a new future! This ingenious fashionable handbag is made from recycled cement sacks and is sure to be a point of conversation! And you'll feel good knowing your purchase has enhanced the lives of women artisans.
- 100% recycled concrete sack exterior
- Cotton lining
- Two interior pockets
- Zipper top
- 10.5" T x 14" W (27 x 36 cm)
- Handmade in and fairly traded from Bangladesh
Shop Green!
Created to help women worldwide gain economic security for themselves and their families by earning fair wages for their handiwork, Global Girlfriend sources women-made, fair-trade imported, eco-friendly products. By supporting long-term partnerships with the artisans, it fosters equal employment opportunities, healthy and safe working conditions, technical assistance, and development strategies to help reduce poverty, one community at a time. Become a "Global Girlfriend" and help build a brighter future for girlfriends around the globe!
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Artisan: Motif
For women that have been marginalized by society in Bangladesh, Motif is a safe place they can call home while earning a living to provide for their families. Most of the women employed have experienced some form of discrimination or other scarring incident that has given them a social stigma, making it hard to find decent employment. Some of the women are former prostitutes, others have been affected by leprosy or other diseases, others still have been divorced or abandoned. At Motif the women find a safe place where they can earn a living, as well as share with the other women in a family-type atmosphere.
Motif prides itself on making unique lifestyle fabrics and accessories, and considers the quality and production of their designs, their good prices, timely deliveries, and strong relationships with customers stronger selling points than the fact that all their goods are fair trade -- something they think should be the norm rather than an exception.
Artisan Shireen
Several years ago Shireen's husband left her for another woman -- leaving her with no choice other than to move herself and her two children into her sister's already crowded home. Relationships were strained with this stressful living situation, and made worse by the fact that Shireen's nephews were very strict and did not allow her daughters to freely leave the house or pursue an education.
Luckily, Shireen learned from friends about Motif, and went to see if her skills would be useful to the company. They are -- and she has since become a major source of financial support for her family. She moved herself and daughters out of her sister's home, was able to give her sister a number of loans to support herself, and her daughters are now pursuing their educations. As a senior seamstress at Motif, she is great at training and encouraging the younger and newer women.
Artisan Nasma
Nasma became acquainted with Motif in 2003, when she was one of the manual laborers who was helping to complete the building. She had been fired from her job as a garment worker when she became pregnant, and laboring was the only job she could find that would let her keep her newborn son, Raju, with her on the job. As the staff came and went from the building they got to know her, and suggested she join the team.
She has been very successful -- within three months she was able to save enough money to help her husband, who is disabled due to leprosy, buy a rickshaw to cycle to help support the family, and within a year they had saved enough money that he was able to find work that was easier for him to perform. She also helped out her mother, who was then able to stop doing manual labor and take care of Raju full-time. And finally, in 2008, Nasma's son began attending school, becoming the first child in their family to become educated.
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Videos tagged "jamesgeurts"
Threshold of day and night, mid-tide, half-moon. Fluorescent tubes powered by collected solar energy from the same day. Illuminated for the same duration of the sun passing through the line of the horizon. The temperature gradation from warmest to coolest away from the point of the suns departure. North Sea, Scheveningen Beach, Netherlands 2010. Documentary made by Eliane Bots and supported by Satellietgroep, Den Haag. (sample)+ More details
Flow Intervention: Zeene River Project00:36
Live-feed, in-camera abstraction filming the threshold of where the Zeene River disappears into a tunnel under the city of Brussels. Part of installation: 'Vanishing Point: Drawing Appearance', Nadine, Brussels 2010. Sound by Foton, Brussels. (sample)+ More details
Drawing a live-feed, in-camera abstraction, based on the incoming tide at Scheveningen, North Sea, Netherlands 2011. Shown as part of installations: 'Drawing: Subterranean', Gemak, Den Haag, Netherlands 2011, 'Drawing: Horizons', Curated by Dr Julie Louise Bacon, Project Space, Melbourne, Australia 2011 (sample)+ More details
Drawing Amplitude #2: Hemispheres00:57
Site-specific kinetic light installation, aligning thresholds between: electrical pulse - perception, the body - architectural geometry, earths orbit - suns light. Cycles emerge from passageways, hemispheres radiate through line. Summer Solstice. Location: The glass bridge between EON power plant - DCR Arts building. Den Haag 2011 Commissioned by: TransSpan Supported by: DCR Gueststudios/ Theater Zeebelt / NEST+ More details
Drawing a line across Lake Frome in Australia's interior using a light aircraft. The salt crystals of Lake Frome have a unique luminosity that makes the lake visible from outer space. The door was taken off the aircraft to film directly down on the lake. Fluctuations in the air pressure from an aproaching sand storm, created gestures in the distance between the plane and the lake, extending the spatial variations in the video drawing. Gallery of South Australia 2007, Queensland Center of Photography 2008, School of Art Gallery RMIT Melbourne 2009, Galerie Maurits vaan de Laan, Den Haag 2012. (sample only)+ More details
Double Fountain [after a water clock design by the Arab engineer Al-Jazari 1136-1206]. A collaborative work between James Geurts and Dr Julie Louise Bacon made at the Madatech, Israel 2011. Shown as part of installations: 'Drawing: on Thresholds', Center of Contemporary Art in Telaviv 2011, and installed on a 16ft x 9ft portable screen in Halifax Harbour, part of the Photopolis festival, supported by Eyelevel Gallery, Halifax 2011. (sample only) Reveiw:http://www.canadianart.ca/online/reviews/2012/03/29/3x3x3-eyelevel-gallery/+ More details
James Geurts - Drawing Horizon07:35
James Geurts Badgast Satellietgroep+ More details
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This cutie had our hearts running a mile a minute
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18 Comments | Add Yours
The dress is so pretty! I might be getting it for my graduation.
by dreamer0409 on 6/16/2012 4:40:43 PM
hehe i hace that bathing suit!!
by Kenzielynn on 6/14/2012 2:22:18 PM
i NEED that dress.
by musikluvr17 on 5/31/2012 5:00:19 PM
by eeeeeee on 5/25/2012 5:00:22 PM
by tori42 on 5/23/2012 5:58:38 PM
dress is spectacular flats are good to but everything else is iffy
by SKYRIM78 on 5/22/2012 11:51:24 AM
by Rosebear54 on 5/18/2012 11:00:12 PM
by Rosebear54 on 5/18/2012 10:57:25 PM
by michipie205 on 5/18/2012 9:39:38 PM
LOVE EVERYTHING!!! i like the teal tank but it is very see through
by Payton K on 5/18/2012 9:28:41 PM
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The Independent's website independent.co.uk enjoyed the largest growth among newspaper websites during December, according to official figures released today.
Trinity Mirror
Like this page on Facebook for updates
Banks woo ITV to defend it from a possible takeover
Sunday 18 January 2009
Informa looks at cutting debt to below £1bn
Sunday 21 December 2008
Independent newspapers to cut 90 jobs
Tuesday 18 November 2008
Independent News and Media is to cut around 90 jobs from The Independent and The Independent on Sunday as part of a major restructuring programme that will affect all areas of operation.
Trinity Mirror warn of more job cuts
Thursday 13 November 2008
Daily Mirror and regional newspaper publisher Trinity Mirror warned today of further job losses as it steps up a cost-cutting drive.
For the record 10/11/2008
Monday 10 November 2008
"As Obama gets huge election, the earth moves" – The Sun's tasteful splash headline welcomes a new era
Market Report: Shares slump as recession fears take hold
Saturday 11 October 2008
It was a miserable end to a miserable week. The fears of recession took hold in earnest yesterday and the terror was palpable. The market opened and plunged, screaming down 10 per cent to smash into the 3,000-levels for the first time in five years.
News groups' prognosis may not look good, but it's a boon for investors
Thursday 28 August 2008
Ever the bellwether of economic health, newspaper publishers across the globe are facing a grim combination of internal and external pressures as the squeeze on advertising spending exacerbates the upheavals caused by the internet.
Market update - 5 August
Tuesday 05 August 2008
The FTSE 100 was up 96.8 points at 5417 and the FTSE 250 309.8 points at 9097.4 at 11.58am today. Michael Page was monopolising the market's attention this morning, up 33.84 per cent or 89.75p at 355p.
Trinity warns ad revenues will post double-digit falls this year
Friday 01 August 2008
Trinity Mirror's saw advertising sales drop by 8 per cent in the first half of 2008, and is predicting double-digit year-on-year falls for the rest of the year.
Stephen Glover on The Press
Monday 21 July 2008
Mirror halts shares fall with defence of finances
Thursday 17 July 2008
Trinity Mirror was forced to make a formal statement on its financial health yesterday after analyst concerns spooked the market and the media group's stock dropped by 18.6 per cent in a single day.
Margareta Pagano: Financial experts are eating humble pie – as well as cheap risotto
Sunday 06 July 2008
In these frugal days, buying Tesco's mushroom risotto for £1.99 rather than paying double at Marks & Spencer looks a good deal. Even the better-off are now going to cheaper shops to save on food now that petrol costs as much as gold. It's this change in behaviour that is hurting Marks & Spencer so badly and which prompted last week's profit warning. And it's why Sir Stuart Rose is going to have to pull off the performance of his life when he appears at the Royal Festival Hall this Wednesday.
Seven days that shook the British high street
Saturday 05 July 2008
It was a week that most retailers would probably prefer to forget – seven days that shook the high street. From the grandest names to the most minor, the news has been uniformly grim.
Trinity warns on profits after slump in advertising
Tuesday 01 July 2008
Trinity Mirror issued a profits warning yesterday and joined the growing list of newspaper groups struggling in the face of the straitened property market and worsening economic climate.
Trinity Mirror warns over profits
Monday 30 June 2008
Daily Mirror and regional newspaper publisher Trinity Mirror today warned over full-year profits as it said advertising revenues were suffering a "marked" decline.
Yvette Cooper: Our choice is years of Tory rule under Jeremy Corbyn – or a return to a Labour government
Is Britain really full up? Are migrants taking our jobs? Leading academic answers the most common anti-immigration claims
Calais Migrant Crisis: Deputy Mayor of Calais labels Cameron's use of 'swarm' as 'racist' and 'ignorant'
Labour leadership: New poll shows party is now even 'less electable' than under Ed Miliband
While we fixate on Calais, the Home Office is quietly deporting dozens of migrants on 'ghost flights'
Calais crisis: The seven claims made about the migrants - and the reality
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Star Tracks
Maddox has the world by a string in Paris. Plus: Jennifer Garner, Usher and more
Credit: Fame
Updated: Monday Apr 03, 2006 | 06:00 AM EDT
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Money: Investing for income - Look before you leap into bonds
David Prosser
David Prosser is a former business editor of The Independent who now writes for a variety of publications, often focusing on small and medium-sized enterprises and entrepreneurship.
Sunday 25 January 1998
Corporate bond personal equity plans (PEPs) might therefore be a good halfway house for income investors. Corporate bonds are issued by companies that need to raise money. You get a regular income from the bonds and it makes sense to hold them in a PEP, where that income is tax free. The planned replacement of PEPs with individual savings accounts (ISAs) shouldn't affect this logic. Corporate bonds held in a PEP will be transferable to ISAs though, as things stand, you won't be able to transfer more than pounds 50,000 worth of assets to these new accounts when they come into being next year.
Tessa Murray, of M&G, says that her company is selling more corporate bond plans than any other type of PEP at the moment. M&G's fund is currently yielding about 6 per cent. As it is tax free, the yield is actually worth about 7.5 per cent to basic-rate and 10 per cent to higher-rate taxpayers.
In theory, there's nothing to stop you assembling your own portfolio of bonds within a "self-select" PEP. But since you can only put pounds 6,000 into a PEP in any one tax year, the danger is that you'll end up with too few different bonds for your portfolio to be sufficiently diversified. For this reason, most investors use a corporate bond fund managed by a PEP provider.
However, choosing between funds may not be easy; there are almost as many on the market as there are corporate bonds.
Before making your choice, don't just go for the highest yield. The figures that fund managers quote can be misleading and, besides, there are other factors to consider. Although the income yield is important, most fund managers also quote a gross redemption yield. This takes into account the income and capital value of the bonds in the fund if they are held to maturity.
Less revealing, but often the headline figure quoted, is the running yield which only takes into account the current rate of income received on the bonds. This figure could mask any threats to your starting capital.
Charges are particularly important when making comparisons. With investments in shares, it's possible to overcome the effect of high charges with superior growth. But corporate bond PEPs tend to show more similar growth, so high charges can be more damaging.
It's also vital to look at how the charges are levied. Some fund managers deduct them from capital rather than income, which artificially inflates the yield available on the fund but means there's a chance of your investment being eroded. Corporate bond PEP managers that deduct charges in this way include Aberdeen, Baillie Gifford, GT and Henderson.
Roddy Kohn, of independent financial advisers Kohn Cougar, says: "The portfolio of a corporate bond PEP is vital. You need to pay attention to the quality of the bonds held by the manager."
In practice, this means looking at two factors. First there's the question of how risky funds are and how likely companies are to default on repaying the bonds. Few funds have credit ratings of their own, so you need to ask managers about the average rating of bonds in their portfolios. Two agencies specialise in analysing the creditworthiness of companies. Anything below a "BBB" rating from Standard & Poor's or a "Ba" rating from Moody's indicates a company that could have difficulty meeting its commitments in certain circumstances.
The second quality factor to consider is the "mean term to maturity". This is the average length of time until the maturity of the bonds in a fund manager's portfolio. In general, the longer a bond has to run, the more volatile its value. As the value of a bond is guaranteed at maturity, the nearer you get, the less likely its price is to fluctuate.
Note, however, that bonds with less than five years to maturity can't be held in a PEP. Typically, corporate bond PEP managers hold bonds with a mean term to maturity of between six and 20 years. Within that bracket, though, there's a lot of variation between the funds.
Another way of looking at the quality issue is to recognise that longer- term bonds and bonds with lower credit ratings usually pay higher incomes, in order to compensate investors for taking more risk.
Many corporate bond PEP managers invest in large numbers of preference shares in order to secure higher yields and some capital growth for their funds. Preference shares are qualifying assets for a corporate bond PEP but tend to be riskier than bonds. If the company is wound up, preference shareholders get their money back before ordinary investors but after the bondholders. So if you're looking for low risk, avoid funds with high preference share weightings.
Finally, remember that you don't have to take the income from a bond PEP; you can reinvest it. Peter Ainsworth, of Guinness Flight, says: "About half our corporate bond PEP holders take the income and half reinvest it. If you don't need income in the short term, this is a pretty attractive investment strategy."
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New Reviews
At the start, A Duke But No Gentleman seemed as though it was going to venture into darker territory than that which is normally found in the pages of an historical romance. When I finished the book, I came away appreciating the fact that Ms Hawkins has tried to do something a little different, but feeling that it hasn't quite worked. I'll give her credit for the fact that her rakes really ARE rakes and are, quite honestly, a rather unpleasant pair, but the story is more about the friendship between two men and how that is affected when one of them falls in love than it is a romance. Because of the prominence of the friendship and rivalry between Blackbern and Norgrave, the love story (such as it is) is pushed into second place, relegated to being the means by which the rivalry is propelled rather than present as a romance for its own sake.more
It's no secret that I'm a big Grace Burrowes fan. I understand the criticisms that are sometimes levelled at her books; they can be repetitive, the heroes are too improbable, there are too many Americanisms etc., but for the most part I can forgive her those things because she writes stories that pull me in by virtue of the strength of her characterisations and the way in which she gets to the emotional heart of those characters and their stories. It's the rare Grace Burrowes book that doesn't quite work for me – but unfortunately, Tremaine's True Love is one of those few.more
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OFA Elbows- Normal
EIC- clear
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The stud is a dark chocolate HRCH UH MH CGG with one MNH pass. He is an excellent hunting companion and is a proven producer of hunt test competitors. He is also good in the house. For more information on the stud or photos, please contact us.
Stud's Clearances:
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OFA Elbows- Normal
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Visit our website for more information and to submit a puppy application: www.doublebandedlabradors.com
Ad location: Midway, Alabama
Ad created: Jul 13, 2013
Contact Information
Contact Name: Jonathan Clark
334-695-0064Contact breeder through email Click here to visit website
Double Banded Labradors Breeder Information


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Senior java developer jobs in Milwaukee, WI93 Jobs
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- Senior Java Developer •Strong web development skills using Java and one/more application server products like WebLogic/JBoss/Websphere. JBoss is preferred. • ApplicationsHire IT PeopleHire IT PeopleMenomonee Falls, WI30+ daysSave
- Senior Business Intelligence Developer Uline seeks a Senior Business Intelligence Developer at its Corporate Headquarters in Pleasant Prairie, WI. Join us to experieUline2.9 148 Reviews UlineMilwaukee, WI6 daysSave
- Senior Application Developer of the position include: Developing services to integrate into purchased or packaged systems. <West Bend Mutual Insurance3.0 37 Reviews West Bend Mutual InsuranceWest Bend, WI30+ daysSave
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- Java Developer- Midwest candidates preferred will be provided to qualified candidates. Did you know? TeamSoft has been in business for over 18 years and has over 200 current consultantsTeamSoft4.7 3 Reviews TeamSoftMilwaukee, WI20 daysSave
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Professional Object of Geek Desire and sometimes-actress Natalie Portman married fiance and father of her child Benjamin Millepied last Saturday. Whaddya think about those sleeves on her dress? Bohemian chic or too big?
CaCee Cobb & Donald Faison tied the knot last week! Awww, famous love!
Can someone bring over a mop to clean my melted heart off the floor?
What do you mean you don't have five million to drop on a shiny bauble?! Your love is obviously not as deep as Jay-Z and Beyonce's.
The wedding of the season is finally about to be revealed to our sweaty palms! I can hardly wait!
Check out what's fab funny in showbiz, over at ROFLrazzi!


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Rick Ross, Kanye West, and Big Sean Get "Sanctified" With Emojis
When I posted the emoji video for Beyoncé's "Drunk in Love" a couple weeks ago, I noted I hadn't seen anything quite like it before.
That video is not alone anymore now that video producer Jesse Hill has come back with an emoji music video for Mastermind highlight "Sanctified," but I'm beginning to think there's more to this emoji video idea than just novelty. One of the nice things about these videos is that they gloss the lyrics at the same time as they give you a way to focus in on them. In other words, they're practical, in a way, in addition to playful. Regardless of what pleasure you get out of them, thank goodness there's an emoji for Yeezus.
Ad Report Card
Hillary Wants to Tell You About Her Mom Clinton appeals to women in her first campaign spots.
Dear Prudence
Left Holding the Baby Prudie counsels a woman asked to care for the child her ex-husband had with his affair partner.
Hang Up And Listen
The "Olympics, Here?" Bonus Segment Josh Levin, Mike Pesca, and June Thomas discuss hosting the Olympics in the good ol' U.S.A.
Future Tense
Passing the Buck New measures are supposed to keep credit and debit cards safer from fraud. But they may just be shifting the crime elsewhere.
It Took 22 Years for the Women's 1,500-Meters Record to Fall. What's the Fastest Humans Can Possibly Run?


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Safe in their hands?: How the parties differ on schools and universities
The election manifestos have quite distinct plans for schooling, from a Swedish-style model (Tories) to more academies (Labour). Steve McCormack examines their pledges
Thursday 15 April 2010
Few domestic political issues evoke as much passion as schools – and all the main parties think there are votes to be won, first by meeting parents' desires for their own children's schooling, but also by addressing concerns about the continuing low achievement of pupils from the poorest backgrounds. As Scotland, Wales and Northern Ireland have devolved powers in education, the policy battle will focus on the English school system.
The Conservatives promise a "schools revolution" by allowing individuals, charities, parents and teacher groups to set up what will be called academy schools, which, in line with the Swedish model, will receive state funding according to the numbers of pupils enrolled.
Education spokesman Michael Gove says this is part of the party's wider anti-poverty strategy, and he has pledged to give priority to funding this type of new school in the poorest areas first, creating at least 220,000 new school places. Existing successful state schools, including primaries, will also be able to acquire more independence by turning themselves into academies.
Labour's Schools Secretary Ed Balls questions how the Tories would pay for these Swedish-style schools and claims they would be more likely to benefit middle-class children than those from poorer backgrounds.
A Labour government would continue, and accelerate, the existing academies programme and put more pressure on currently failing schools to sharpen up their act, or be taken over. An expanded programme of one-to-one tuition for the weakest pupils, in primary and secondary schools – one of Labour's guarantees – is also central to the party's strategy to raise standards among poorer pupils.
The Liberal Democrats don't talk about new types of school, but they do, uniquely, promise to find extra money from outside the education budget to pay for improved schooling for poorer children, even those attending schools in relatively wealthy areas. Their spokesman David Laws says that, under this system, all children qualifying for free school meals will have around £2,500 more spent on their education.
How much does it affect you?
If your children find themselves in a new Swedish-style school, they'll be in the vanguard of the Conservatives' experiment. But, certainly in the short term, the majority of schools will continue to be run by the state, and, if recent history is anything to go by, vary widely in performance, regardless of how they're labelled. By no means all academies, for example, have proved a success.
Labour concedes that behaviour in some schools is still not good enough and says that it will intervene in schools where inspectors say discipline needs improving. Ed Balls brought out new guidance, a day before the election was called, which made it clear that teachers have the power to intervene physically if a pupil is violent or persistently defiant.
The Conservatives promise even greater powers for teachers to deal with violence and disruption in classrooms; they say they'll force parents to take more responsibility for their children's behaviour; and they pledge to end instances of head teachers being over-ruled over exclusions by council officials.
How much does it affect you?
The fact that discipline is already good in plenty of schools, including some in difficult areas, suggests that there are already enough existing powers for schools and teachers to crack down on bad behaviour. What seems to make the difference is a head teacher who devotes time, energy and resources to behaviour issues, and gives support to staff in implementing a consistent set of rules.
The thrust from the Conservatives has a back-to-basics feel. They favour primary teaching based on traditional subjects, a return to secondary science split into its constituent parts of physics, chemistry and biology, and pupils grouped in sets according to ability, something they say will channel more help to those who are struggling. Labour's recent curriculum reforms have been characterised by more theme-based teaching, placing learning in wider contexts, such as a global dimension. There's an emphasis on the acquisition of skills, transferable across several life situations, rather than facts.
How much does it affect you?
In reality, Whitehall-based politicians have less effect on what happens in classrooms than they'd like to think. Schools, and individual teachers, have always exercised a degree of freedom over what they teach and how they teach it. Change in these areas is evolutionary rather than revolutionary.
The Conservatives propose a number of measures they say will make exams more robust. In particular, they'll reduce what's called modularisation, where GCSEs and A-levels are split up into segments, each tested at a separate time: something critics argue causes grade inflation. They'll also allow state schools to put pupils through international GCSEs, widely held to be more demanding. And the Tories will create more transparency by publishing online all exam papers and marking schemes.
Labour's recent exam reforms are still bedding in. They include a new A* grade at A-level, and the new, work-related Diplomas, all due in place by September 2011. The Liberal Democrats would scrap the current Diploma system, and incorporate all existing academic and vocational qualifications into a new General Diploma.
How much does it affect you?
Exam reform can take time to have an effect. And, outside GCSEs and A-levels, schools already vary enormously in what qualification routes they offer.
All parties offer tweaks to the system, but none proposes sweeping away tables altogether. Labour will introduce a new, annual School Report Card, which will summarise every school's performance and complement the picture given by the league tables.
The Conservatives say they will publish data in such a way that several types of table can be created, focusing, for example on different categories of pupil. And the Liberal Democrats would re-shape the tables, creating "peer groups" of schools with similar characteristics, so parents can see how their local school compares with others taking children of similar abilities and backgrounds.
How much does it affect you?
Recent decades have seen more and more school performance data published, and no government is going to propose going back on that and withholding information from the public. So, parents with the time and inclination to analyse and compare data will always have raw material to help them assess schools. But word of mouth still plays a powerful part, and school reputations will continue to be shaped by dinner-table conversation and school-gate chatter.
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- 1 Reader dilemma: 'My boyfriend jokes about putting photos of us having sex on Facebook'
- 2 Kenya President Uhuru Kenyatta clashes with President Obama on LGBT equality: 'Gay rights is really a non-issue'
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- 4 Kanye West praises Caitlyn Jenner on I Am Cait: 'You couldn't have been up against more'
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Activationism: Photos of a Groovy 'Cult' on Cape Cod, 1948
Grooviest. Cult. Ever! Do you want a real experience to talk about when you get home from your vacation? Come and get yourself Activationized. This intriguing invitation, LIFE magazine informed readers in August 1948, was distributed that summer around Cape Cods Provincetown to signal the beginning of a brand-new cult something known as Activationism. Here, LIFE.com offers a eulogy for and celebration of the short-lived, playful, and (evidently) quite exhilarating phenomenon. Spread across several pages in that August 1948 issue, the article featured photographs by LIFEs Martha Holmes pictures of men, women, and children activating to their hearts content.
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Henri Cartier-Bresson- Image represents line and shape really well as here you see the bare tree limbs form a V shape ending in a vanishing point as the background for the triangular black black shape of a man in hat and cape.
You've been in the darkness, loneliness, and nothingness for so long. And one day without you really noticing it, you'll be moving into the sun, and in love with the world, and you will be glad you are still here.
A Romanian child hands a heart-shaped balloon to riot police during protests against austerity measures in Bucharest.
Steve Schapiro, Three Men, New York, 1961
Unclench your fists, unlock your knees and also the door to your heart, take a deep breath, and begin to swim. Begin to let the waves do their work in you. --Shauna Niequist
Facial composite of Mozart, circa 1777, created by the German Federal Criminal Police Office from four contemporary portait paintings.
Early mug shots: James Dawson was arrested for indecent exposure at North Shields Police Station on June 9, 1902


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Pastor's Wife
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A daily updated summary of the week in TV.
Program Overview
Executive Producers: Harvey Kahn, Juliet Smith, Gerald Abrams, Michael Moran
Genre: Drama
Genre: Drama
Program Synopsis
Mary Winkler is arrested for the murder of her pastor husband, but fights to tell the real story in this drama based on a true story.
What's On Tonight
- Newport Folk Festival Pays Tribute, With a Jolt, to Dylan and Seeger
- Metropolitan Museum Draws Record Crowds
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- Review: Nicki Minaj Raps Life Lessons at Barclays Center
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