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TORONTO (Reuters) - The Canada Pension Plan Investment Board, Canada's biggest public pension plan, said it achieved a return of 0.7 percent on its investments in the latest quarter, with the strength of the Canadian dollar hurting its performance.
The CPPIB, which manages Canada's national pension fund and invests on behalf of 20 million Canadians, said it ended the quarter to Sept. 30 with net assets of C$328.2 billion ($259.1 billion), compared with C$326.5 billion at the end of the previous quarter.
In an interview, Chief Executive Mark Machin said the fund had experienced a "solid" quarter, generating C$9 billion in net income before taking into account a C$6.7 billion impact from adverse currency movements.
"Our underlying investment performance was really robust. We're not worried about the currency in the long-term," he said.
The fund has diversified internationally, becoming one of the world's biggest investors in infrastructure and real estate.
It is also a major global investor in equities and bonds, and derives the majority of its earnings from overseas.
The strength of the Canadian dollar, which hit its highest level in over two years in September, means that overseas earnings are not worth as much when they are converted back to the domestic currency.
The fund does not hedge against currency movements, saying that while they may impact its results in the short-term, it does not expect them to have a significant impact on its long-term performance.
Having warned in May that CPPIB was regularly loosing out in bidding wars for infrastructure assets because of intensifying competition, Machin said he was cheered by the fund reaching two major infrastructure deals during the quarter, investing in a U.S. power generator and a gas distribution business in Spain.
"For once we were not outbid. Both of those were satisfying to get done," he said.
Machin said CPPIB was concerned by the status of talks to rework the North American Free Trade Agreement.
"It's not a negligible risk that things don't work out the way that we and Canada would like," he said. "We want open capital markets, we want open trade and we think trade leads to better growth for everybody."
Canadian pension plans on average achieved returns of 0.4 percent in the third quarter of 2017, according to research published by RBC Investor & Treasury Services on Wednesday.
Reporting by Matt Scuffham; Editing by Chizu Nomiyama and Dan Grebler
Our Standards: The Thomson Reuters Trust Principles.


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You my darling girl are one of the greatest things your father and I have ever been a part of creating. I couldn't help but let a few tears fall when I realised that you were not going to be my only baby come April. You have only known the undivided and devoted love of your dada and mama but come April there will be another set of tiny little feet in our home. I'm not worried about loving you less or loving your new sister as much, I believe everyone when they say that my heart will grow, but I am mourning the loss of not being a family of three anymore.
Over the past few weeks you have been spontaneously telling me that you love me- my heart feels like it's going to explode every time – I image it's how the Lord feels when His children tell Him they love Him, spontaneously.
You have been talking about the baby in mummy's tummy almost every day- we talk about her eyes and ears and how she's going to watch Banana in Pajama's with you. We talk about how she is going to be your best friend and how you're going to help mumma give her a bottle and wash her hair. I'm sure you will never remember doing this but often you check my belly with my iphone charge cord – one end around your neck the other against my belly- I'm assuming you're copying the sonographer- you are one smart little girl my baby!
Today you asked to pray for the Baby. I bowed my head, you closed your eyes and you prayed "Dear Jesus, I pray for Baby Raegan, in Jesus Name, Amen." You went on to pray for the stuffed animal that you were holding as well but I'm sure it's because you were feeling the presence of God. I don't know what your little heart was trying to convey to Jesus about your new sister but I know He heard you.
You are going to be the most amazing sister and friend… I know this because you are an amazing gift from God.
We love you forever and always.

subset: commoncrawl


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Living an abundant wealthy life isn't about working hard for money, it's about learning how to get your money working hard for you.
It's also about learning how to squeeze the most value out of every resource you have at your disposal AND directing those resources to create more of the experiences that bring you true life expanding joy.
This is what Bill Baren and I discuss in this episode on his podcast The Big Shift: The Business of Creating A Difference.
We also discuss the common ingredients every person must have in their unique financial freedom recipe to create financial freedom which I expand on in The Wealth Chef book
And we take it a juicy step further…
Creating financial freedom is a prerequisite to living a fully wealthy life but it doesn't guarantee one. To create and live a wealthy life requires a deep understanding of what the bleep actually thrills you and fulfils you and once you know this you get to add your unique wealthy life ingredients into your wealthy life recipe.
And as you'll discover in this fabulous interview, building wealth is really about self-love and acceptance, and the three asset classes you need to invest in to create your own financial feast!
Go here to listen to this great podcast <<<
I've got a little confession to make. I'm actually quite a Bill Baren groupie and when I received the email asking me to be on his podcast I squealed like a little piglet!
If this is your first time connecting with Bill I think you're going to be delighted to have found a great source of inspiration and learning.
Bill is an incredible transformational business coach who helps conscious business owners make more money with their gifts by enrolling all the clients they want so they can make the difference they are here to make.
He is also a brilliant thinker and in this conversation, I loved his take on uncertainty and its role in living an extraordinary life.
I hope you enjoy this as much as I enjoyed doing it with Bill … so to speak ?.
Big love
Bill has just released a new PDF report that shows you how to get started with creating and selling high end packages.
>> Pick up your copy of "The High-End Package Manifesto" here << <


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TULSA, Okla., Aug. 16 (UPI) -- An Oklahoma auto shop owner said he has embraced the shop's Irish theme -- and beat the summer heat -- by wearing a kilt to work.
David O'Brien, proprietor of O'Brien Auto Performance in Tulsa, said his shop plays Irish jig music during the work day and has a shamrock in its logo, so switching his summer garb from pants to a kilt four years ago seemed like a logical way to cool off in the summer heat, KOTV, Tulsa, Okla., reported Thursday.
"This is physically cooler than shorts," O'Brien said.
He said the mode of dress comes with its own challenges.
"Keep your knees down and your feet crossed, then everybody's happy and safe," he said.
O'Brien said worker David Denney followed his lead and also dons a kilt at work from May to October.


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This little trick will help you to declutter a room in 9 minutes. For this you'll need a large bin or basket or a box. Make sure it's something that you can get hold of easily and that its deep too.
Make your way round the room in a clockwise direction and scoop up everything that does not belong in there and place it in your bin. Magazines, toys, make-up, jewellery and clothes. If it looks like it's not got a home, pop it in the basket.
This will clear a good 90% of your clutter and will not take more than a few minutes. You can use this technique if you have unexpected guests arriving and store the bin in a closet, ready to redistribute the items later.
But, if you don't have guests coming round soon, take the time to move around your house placing items back where they belong. Toys back into the children's room or in the toy chest, magazines back the rack or neatly stored under a coffee table, jewelry in your jewelry box etc. You can leave any dirty laundry in the bin/basket
Continue through your home replacing items back to their original homes. Shoes, coats, newspapers… if you move quickly this takes no time at all. Stop by the washing machine at the end of your blitz and pop a load in.
If you open all the windows in your house while you do this, you'll also give the place a good airing. Especially important if you have teenage boys in the house!
If you have a teenage boy in the house you won't be alone when you come across the fruity smell in the bedroom. Dirty laundry and sweat of course contribute to this. It happens. You can even line laundry baskets and drawers with dryer sheets that will freshen things up too.
Use this technique even just once a week, and you'll be on top of your clutter. It doesn't take much to declutter a room when you simply dive in and do the work that needs doing. The good thing about this approach is, you can be done in under ten minutes.
You may take note of any extra storage you may need as you use this technique. For example, if you notice you've got piles of magazines but no rack for them… well, make a mental note to purchase one the next time you're out.
So, there you go. You've got your room back, in just 9 minutes.
Connor Adams is a coach and trainer who wants to help you to reduce clutter in your home.
If you want to learn more about how you can declutter a room and take control of clutter then head on over to http://www.reducecluttersecrets.com where you can sign up for a free 10 part mini-course and find other helpful resources to help reduce your clutter.


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Other web sites and resources of interest:
- Bullied & Abused Lives in Ministry (BALM)
- Pastors In Pain
- Pastor Care
- www.pastors.com – A ministry of Saddleback Church and is loaded with resources and ideas.
- www.pastorcare.org – A clearinghouse for clergy care givers. It is the official web site for the National Clergy Support Network.
- www.sarahstent.com – A site directed specifically at pastors' wives, and is a great support to help the family of disenfranchised pastors.
- www.faithmountain.org – Ministering to the needs of pastors, missionaries and Christian families through the gift of helps. (West Virginia)
- www.minnesotarenewal.com – Serving the body of Christ in renewal, counseling, Healing, and training of Minister, Missionaries, and Christian leaders.
- www.qwaters.org – Ministering to the spiritual, emotional and physical health, facilitating and encouraging transformational change at life's core. Strengthening the family, work, leisure, in life and in relationships.
- www.renewalministries.org – A ministry of help, healing and encouragement to Christian leaders.
- www.ministryrenewal.com – Especially designed for Clergy-in-crisis who are experiencing difficulties in their ministries, families, or ability to function on a daily basis.
- www.clergyrecovery.com – The Clergy Recovery Network exist to support, encourage, and provide resources to religious professional in recovery.


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Contact Person: Jean Hollingsworth
Keighley Third Age Group is part of the Univeristy of the Third Age, a national body which aims to provide opportunities for retired people to meet and share their interests in a variety of ways, extending their minds and understanding by mutual help and stimulation.
They currently have two groups meeting on our premises:
The Third Age Group website (scroll down the page) gives details of all the other Keighley Groups. They encourage you to "Add years to your life and life to your years - come and join us for the time of your life!"
The Music Appreciation group meets on the 3rd Thursday monthly 2.00-4.00 pm.
The Popular Music group meets on the 1st Thursday monthly 2.00-4.00 pm.


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Culinary students from Helms College use the Vineyard Giving Farm as a learning venue in which to learn some horticulture and farm-to-table basics.
All the food grown at the gardens is then donated to the food pantry across the street, owned and operated by the Vineyard Church of Augusta.
This week: trellis making in many forms!
Next week: low-maintenance irrigation systems!


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After laucnhing of the Digital India aspirants are want to know many things about the digital locker? Befits and how to access of the DigiLocker. so here is every detail of the digital locker section.
What can find inside DigiLocker?
Inside the DigiLocker many of the features can be found as here described. There is two sector 'My Documents'. can find in two sectors one is Digital Documents and another is'Uploaded document'.
Digital Documents: This is the subsection which will contain URI links to edocuments issued to you by Government departments or different other agencies which issued it. It's detailed as prescribed
- Name of the document.
- URI for the document.
- Date of issuing the document.
- Options for sharing the document.
Uploaded document: Second types of document are Uploaded Documents: In this section user can find the document which they have uploaded in their documents like voter ID card, PAN card, driving license etc. Each uploaded document available with information on which:
- Name of the document.
- Date on which the document was uploaded.
- Status of the document which will indicate whether the document has been electronically signed or not.
- Options for removing or deleting the document.
- Options for sharing the document.
- Signature option where a tick mark there can be shown if the document
- has already been eSigned.
There is also another 5 more sections known as given below
My Profile, Account Settings,Contact Us, My Issuer and My Requester.
My Profile: In this section will extract and display your information from UIDAI database. Information like name, date of birth, mobile number, email, residential address, gender etc. will be displayed.
Account Setting: This is where you user changes password or add social media profiles.
Contact Us: This section will display information about the service and the options that can be used for sending feedback or queries.
My Issuer: This is the section which is designed for displaying information about all issuers who have issued digital documents to you and the list of all documents that have issued to you by different issuers.
My Requester: This is the section that has been designed to display information about all organizations that have request digital documents from your account.
Benefits of using DigiLocker ?
It saves time that was usually required in case of sharing paper documents.
Allows easy organization of documents and quick access to the same.
Allows selfattestation in form of digital signature.
The authenticity of documents is easily validated because they come directly from issuers.
Reduces overhead costs for the government that was previously required for document maintenance.
Reduces carbon footprint by saving trees through an elimination of paper usage.
Documents can be accessed anytime from anywhere.
All that is required is a proper internet connection.
Expedites document processing in cases such as passport creation, income tax filing etc.
How to upload documents into DigiLocker
upload your driving license and registration papers:
Download the DigiLocker App on your mobile phone and then sign up and create your account with the app. You will need to provide your mobile number. The app will send you an OTP (One Time Password). Input that and create a username and password to get started with the usage.
Important Note: Due to heavy traffic sometimes Digilocker having issues and site seems to be down for some time. Then keep patient and try after some time.


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Document Type
Conference Document
Fall 10-26-2005
architecture, Lavin, contemporary architecture
Architectural History and Criticism | Architecture | History of Art, Architecture, and Archaeology | Theory and Criticism
Sylvia Lavin is Professor of Architecture at UCLA and writes widely on contemporary architecture and theory. She recently completed a year as a Getty Scholar where she was working on her next book, The Flash in the Pan and Other Forms of Architectural Contemporaneity. She is co-editor of Crib Sheets (Monacelli Press, 2005) and the author of Form Follows Libido: Architecture and Richard Neutra in a Psychoanalytic Culture (MIT Press, 2005).
Additional Information
Graduate Sessions is a seminar series offering Syracuse Architecture graduate students the opportunity to engage leading scholars and practitioners in conversation and debate. The resulting pamphlets offer unique insights into the work of our guests as well as the ongoing concerns of our students and the graduate progrmas.
Recommended Citation
Linder, Mark D. and Degennaro, James, "Graduate Sessions 1: Sylvia Lavin" (2005). Full list of publications from School of Architecture. 130.
Print Copy of Graduate Sessions


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Harrison Ford wants one more go as Indiana Jones
Veteran actor HARRISON FORD is desperate to reprise his action-packed role as daredevil tomb raider INDIANA JONES - at the age of 71.
The Patriot Games star has played the adventurous archaeologist in four movies, most recently 2008's Indiana Jones and the Kingdom of the Crystal Skull, and he admits he would love to put on the character's fedora hat one more time.
Ford acknowledges his advancing years might be a factor on set, and he would have to rely on a stuntman for the more energetic scenes.
Asked by chat show host Graham Norton if he would shoot another Indiana Jones movie, Ford replies, "In a New York minute, yes. I don't think there is any barrier to Indiana Jones being an old fart. I'm old enough that we don't need (Sean) Connery any more - I'm old enough to play my own father!...
"I used to enjoy physical acting, it was fun. I was more fond of it then than I am now and people don't ask me to do it that much any more."


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The following morning, after the food had been cleared from the breakfast table and Mrs. Bennet ordered the school things brought out for the little ones, Jane, Elizabeth, and Kate made their way to Mr. Bennet's library. He had been asked by the steward to pay a call on a tenant, and so the girls occupied themselves in his absence.
"Did any of you suspect we were witches or that they even existed?" Jane asked.
Elizabeth vehemently shook her head. "No, never! I am not known for a sweet temper, but I had never guessed that I was secretly a pyrotechnic!"
Kate chewed her lip. "I had forgotten entirely about the dreams I used to have until yesterday. In fact, I haven't dreamt at all in years until last night. I suppose that is why it seemed so unusual to me."
Elizabeth surveyed her sisters. Like her, Jane seemed to feel no apprehension about their new powers, but Kate appeared less content. Elizabeth wondered if Jane could use her empath powers on Kate. Jane had always been very conscientious of the feelings of others. Perhaps she had retained a bit of her powers all these years. Elizabeth gasped at a sudden memory. "Jane, do you remember that time when Lydia took my ribbon and would not give it back? I singed her hair when I ripped it out of her braid and Mother scolded me like never before."
Jane laughed. "Now that you mention it, I do. What about when my favorite barn cat disappeared for days, and I was inconsolable? I cried so much I made myself sick!"
Elizabeth smiled. "Then the dratted thing turned up a few days later with six kittens?"
"I named them "happy" in different languages."
Kate's eyes grew wide. "How old were you?"
"Seven or eight?" Jane glanced at Elizabeth, who nodded, for confirmation. "Tell us a story, Kate."
Elizabeth smiled at Jane's thoughtfulness and hoped it might make Kate feel more at ease. Elizabeth and Jane had immediately accepted Kate, and all the others, into their family but in the last few months, their relationship with Kate had changed. She always wished to tag after them, but being nearly four years younger than Elizabeth, was not in company until only a few weeks ago. Now, it was difficult for Elizabeth to see Kate as a young woman and not as a child. No matter the differences in their ages, it seemed like now there were constant reminders that Kate was a step-sister and not blood. She was now formally "Miss Morland" rather than "Miss Catherine" when in public.
Kate screwed up her face as though she was trying very hard to remember something…anything. "Besides the dreams I told you about last night, I always knew when my brother James would prank us on April Fool Day."
Elizabeth exchanged glances with Jane. For as long as she had known James he could never keep a secret. He would drop hints about his plans, and in the end, only a true fool would be left unaware.
"Lizzy!" Jane scolded although Elizabeth had said nothing.
Elizabeth tried to look apologetic as she realized Jane must have sensed her thoughts. However, she would not apologize for the truth. Besides, she felt proud of her sister's abilities and could not hide an expression of pride.
"What?" Kate looked between the two.
"Nothing," Elizabeth said too quickly, and Kate raised her eyebrows expectantly. "I had a sarcastic thought — but did not say it — and Jane must have sensed it. Well done, Jane!" Lizzy beamed.
"I hardly see why you need to be so excited over being sarcastic at my expense," Kate frowned.
"Don't be silly!" Elizabeth said. "I'm happy to see how quickly Jane is learning to use her powers. At least you two can practice and learn without potentially harming someone. I hope Father returns soon so he might begin teaching me."
Jane nodded. "Let us forget about magic for a few minutes. What did you think of the ball?"
Inwardly, Elizabeth smiled as Jane was once again the peacemaker. Kate immediately filled with nervous fluttering like a butterfly. The blush on her cheeks confirmed what Elizabeth guessed. Catherine was infatuated with her dance partner from the night before. Elizabeth wished the blush she felt rise in her was from such pleasant thoughts. As thunderous thoughts filled her mind, her skin grew hot.
"Lizzy!" Jane quickly grabbed wine from her father's cabinet and thrust a glass into her sister's hand. "Lizzy, calm yourself."
Steam rose from the glass as Elizabeth brought the drink to her lips.
"That's it," Jane encouraged another sip. "Now take a deep breath."
Elizabeth complied.
"There. Better?"
"Thank you," Elizabeth said, her voice shaking. "I did not expect… I didn't know how to stop it," she said quietly.
"Kate," Jane said in a voice that was higher than normal. "Tell us about Mr. Henry Tilney. I did not speak with him last night, but I saw you two dancing."
"I do not quite know what to think of him."
"He's very handsome," Elizabeth said still more subdued than usual.
"He is," Kate beamed.
"And I thought I saw you laughing?" Jane asked.
Kate giggled and then pressed her hand to her lips in an attempt to muffle the unladylike reaction. "We were having a genuine conversation, and he interrupted it for silly nonsense about if I like music and the theater. Things like that."
Skepticism flared in Elizabeth, and hot tingles returned. "Does he think that such things are nonsense—"
"It was the way he said things," Kate spoke over her sister. "The tone and expression… He was making a joke of things."
"Oh!" Elizabeth calmed and smiled.
"I believe I am indebted to him for bringing up more usual topics of conversation for new acquaintances," Kate said with a frown. "I quite forgot them and am afraid I was nearly impertinent."
On the subject of impertinence, Elizabeth had to tell her younger sister what Mr. Darcy had said. Surprisingly, Jane's expression turned dazed, and soon she closed her eyes as though concentrating. It reminded Elizabeth of attempting to make out a noise in the distance.
"Jane?" Lizzy called sharply.
Jane opened her eyes as Kate waved a hand in front of her face. "Are you ill? Did you hear us?"
"I'm perfectly well," she smiled at them. "I was only lost in thought. What did you say?"
Elizabeth's dark feelings returned, but not as unchecked as before. "I told Kate what I heard Mr. Darcy say."
"Do attempt to forget it," Jane said. She took Elizabeth's's hand in hers. "Do not judge him by one evening."
Elizabeth's nostrils flared. "Is not one evening more than fair when he judged me with a mere glance?"
"It was very wrong of him to say such things, and if you were merely finding his looks at fault, I would not reproach you. But you attack his character when you do not truly know it."
"He attacked mine too. It is not only beauty that attracts dance partners. He supposed I did not make good conversation or was not a good dancer — "
"You are leaping to conclusions!" Jane interrupted.
"Besides," said Kate, "how does poor dancing mean bad character?"
"Perhaps — perhaps it would mean I was unintelligent or too arrogant to pay attention during my lessons or lazy or —" Elizabeth broke out in laughter and defeat as she recognized the ridiculousness of her claims.
"What has my girls in such a good mood?" Mr. Bennet said as he came into the room.
The sisters said nothing but grinned at him, and he sat behind his desk.
"I suppose you have many questions," the ladies nodded their heads in unison. "I have worked up a schedule for each of you. You will have time to learn magical theory as well as practical application. I must warn you," he gave them each a stern look, "most of Meryton does not know about our magical heritage or of the wizarding world at all. It is imperative they do not learn of it. As of now, everyone in our community is cleared with the High Council and the Quorum as trustworthy, but jobbards are not screened. You must guard your secret."
The smiles slipped from the girls' faces, and Elizabeth did not need empathic or telepathic abilities to know the thoughts and feelings of her sisters. Someone had killed their parents. They understood the high cost.
Elizabeth was the first to break the silence. "Only say we will not need to go shopping for funny hats and brooms."
Mr. Bennet shook his head and chuckled. "You have much to learn," he said and handed out their schedules.
Later that day, Lady Lucas and Charlotte visited. Elizabeth was surprised to learn that her best friend's family were magical. They did not have demonstrative powers. Instead, they were proficient in medicines and cookery. Elizabeth smiled at the pride Lady Lucas had as she talked about Charlotte's abilities with tonics.
Charlotte grinned and then turned to Elizabeth. "Perhaps I should not mention Mr. Darcy, knowing your power is the gift of fire, Eliza. However, now that you know the truth would you like me to give him a "tonic"? I could momentarily turn him into a goat!"
Elizabeth laughed. "That was your thought all along last night when you suggested one for his eyesight! I confess many things in the past now make sense. Mrs. Long was once an oracle was she not?"
"Yes, but now you know her predictions are usually wrong."
"Why would that be?"
"The Council told us by hiding the existence of the Bewitching Sisters," Mrs. Bennet explained, "it might affect the strength of magic for the entire area."
"Like a cloaking," Elizabeth suggested, and the elder ladies agreed. "Now there ought to be an increase of magical abilities for everyone," she concluded.
"In that case, I shall turn Mr. Darcy into a hawk. His eyesight does need improving," Charlotte said.
Elizabeth laughed again. "Unless there is a spell to cure his pride, I am afraid there is nothing to be done."
The conversation was soon interrupted by the arrival of Mrs. Allen. It was revealed that although she was not magical at all, her mother had been. She had the opportunity to learn spells and potions but chose not to. Elizabeth sighed in relief that they did not need to hide their abilities from so many of their close friends.
Mrs. Allen had called to ask if the girls would like to walk with her into town. Kate quickly agreed. Elizabeth had no desire to stay in the house lest Mr. Bingley and his friend call on them.
"I should like to stay home, Mama," Jane said.
"You do not wish to stay home as well, Kate?" Elizabeth asked with a teasing smile.
"I feel urged to go," was her reply.
"Have you had a premonition?" her mother asked.
"I do not think so. Not like before, that is. I did not see a scene unfold. Perhaps before I regain the ability to see I have the talent to sense?"
The other ladies looked at each other, hoping one may have the answer. Lady Lucas, at last, suggested, "It may be impossible to know since powers come to most as children, and they likely could not express it so well if it began in such a way."
"I know before the ceremony last night I awoke to a burning feeling in my limbs, but I have yet to create fire," Elizabeth said then sipped her tea. "Not that I have tried or would know how if I wished it."
Mr. Bennet spoke from the doorway. "Go on with Mrs. Allen, Kate. When you return, if we do not have visitors, we will begin your lessons. You are all bright enough girls and had your powers for many years before the binding, so I have no doubts you shall catch on fast. Elizabeth, I request that you stay here."
The ladies all agreed, and Kate set out with Mrs. Allen while Elizabeth and Jane continued their visit with Lady Lucas and her daughter. Elizabeth wondered why her father had asked her to remain at home, but her father did not stay in the room. Determined to enjoy herself while she could, she returned her attention to their guests.


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GamTalk is a free, confidential online forum. Members include gamblers, those impacted by another's gambling, and others who just want to ask questions and learn more. Anyone can join GamTalk and posting on the forum is completely anonymous. Gambling issues are discussed between people with shared experiences.
GamTalk can be a helpful resource to share stories, share progress, and learn healthy strategies from others who may have a similar experience to yours. The forum is monitored by a psychologist and support team, qualified to help with gambling issues. The site also includes resources and an "Ask Dr Wood" section. Click here to check out the GamTalk forum.
GamTalk is operated as an independent non-profit organization within Canada. There is also a french version, ParlonsJeux. If you would like to know more about GamTalk or ParlonsJeux, email email@example.com.


text:
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text:
"The essence of portfolio management is the management of risks, not the management of returns." – Benjamin Graham, "The Intelligent Investor" (1949) and mentor to Warren Buffett
Understanding and controlling investment risk is essential to achieving your financial goals. We seek to manage your risk while helping to achieve financial goals.
How do you do this? The answer is as different as each of our clients is unique.
That's why, through our effective Fourfold Process we:
- Begin by working with you to define your financial goals.
- Then, we can help to create a smart plan to reach your quantifiable goals with a level of risk appropriate for you.
- Finally, we can help you to take advantage of sound programs that can offer both growth potential and risk management.
Common questions we are asked about managing risk include:
That is often a function of your comfort levels and goals. Our effective process helps you establish "Your Number," which in turn can identify the trade-offs between your priorities. Clients find this process very empowering in taking control of their financial future, including creating goals. Very importantly, we track your progress toward achieving them. Managing your resources effectively is becoming increasingly important in an age when taxes, inflation, and inadequate financial management may lead to uncertain or unanticipated financial futures.
- Addressing Investment Risk – Managing risk reduces the potential of losing principal or purchasing power from inflation.
- Protecting Your Assets and Estate – Like the environment, your assets and estate can be eroded by different external forces: Income loss due to death of a loved one, disability or illness, and loss or damage to property. The financial impact of these forces can be mitigated with proper estate planning, a key component of our process.
- Preserving Your Legacy – When a loved one dies, his or her legacy (the assets created during a lifetime) must be preserved. Proper estate planning ensures that their loved ones can move forward as expeditiously and efficiently as possible – often the best gift they can leave for them. See our published article, Avoiding Estate Planning Pitfalls.
Yes, there is a smart way to plan for a college education—one that improves your chance of achieving your children's or grandchildren's education goals. Working closely with you, we develop a systematic plan of savings and investment. We take into account a variety of factors, including:
- The degree of control you want over the college fund and how it is spent
- The impact of your planning on potential financial aid
- We can also help to ensure that income tax implications are clarified and understood before they impact your plans.
If you are not there to protect your family, the solution is about much more than just wages. Ultimately, it's about the future – paying for current as well as future liabilities, future education funding, and retirement needs of the survivors. A Life Insurance Needs Analysis can help estimate precisely how much coverage is needed to protect your family. See our published article "Avoiding Estate Planning Pitfalls."
And we won't overlook disability income insurance, if you experience a time period when your ability to earn income is compromised.
We can help to make sure you're financially prepared. An acceptable level of liability insurance and health insurance prevents the eroding of your existing asset base and the potential use of earned income for unexpected emergencies.
Adequate homeowner's insurance can make all the difference in handling a crisis. Effective risk management takes into account the replacement value of your home, vacation property, furnishings, and other such assets. In addition, the appropriate level of automobile insurance must be in place to protect you from a major property loss through accident or theft.
Despite market volatility and economic uncertainty clients believe they can achieve their financial goals and enjoy a "Life Well Lived."
For over 35 years we have been helping our clients achieve a life well lived. As you seek a trusted source for your financial advice, we invite you to consider our "2nd Opinion" program for a complete, unbiased review of your financial program.
Many people find that having a trusted independent advisor can provide financial confidence — by clarifying economic complexity, navigating through turbulent markets, and providing a buffer between them and changing times.
Discover how Kauffman Wealth Management's extraordinarily personalized approach to investment planning and management can help you on the road to a Life Well Lived.


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Application Programming Case Studies
Solving your complex problems with our programming solutions.
We have a talented team of programmers that have helped our clients achieve sophisticated solutions for their difficult problems. Having in house graphic designers means our programming solutions not only operate efficiently, but look great and are user friendly too.
Take a look at our recent case studies for some of our previous programming projects.


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Hi, I'm Gunner. Welcome to Thermomeat!
I created Thermomeat as an outlet for my true passion, cooking.
It is the best feeling in the world when you can serve a delicious meal to family and friends.
A little about me, let's see, this feels like a cover letter for a job interview. I'm not good
talking about myself, but here we go.
I've worked in the food industry for over 20 years and learned a lot along the way.
In this time I've accumulated a lot of knowledge of cooking (indoors and outdoors) from various sources; books, classes, friends, and most importantly, personal experience.
I've barbecued everything under the sun, beef briskets, beef clods (What up Kreuz in Lockhart!), pork butt (the set it and forget it meat), ribs, chicken, you get the point.
Probably the main reason I started Thermomeat is that there is a lot of misinformation on the internet about cooking.
Too many times have I viewed recipes where someone recommends something sacrilegious like boiling ribs before you cook them.
People need proper information to become better cooks.
The number one problem I see in daily life and on the internet is that a lot of people aren't well-informed about the proper cooking and serving temperatures of food.
Gone are the days of just "eye-balling it" or folksy tips on when the juices run clear you're ready to eat.
If you want to be a better cook you need to know your temperatures.
That's why Thermomeat exists.
I'm going to help you become a better cook.
Do you want to be the "grill-master" at the summer bbq? I can help you.
Do you want your extended family talking about the turkey you cooked three Thanksgivings ago? (For good reasons, not you "burned down the house" reasons)
I can help you.
Not only can I help you, but you can also help me.
By liking and sharing the articles and tips if you find them helpful.
Thanks for stopping by.


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New Letters And Papers Of Lincoln
Boston and New York: Houghton Mifflin Company, 1930. First trade edition. Hardcover. Octavo; pp; x, (ii), 387, index; illustrated, with a frontispiece portrait of Lincoln and three additional plates; blue cloth, lettered in gilt;. This copy is from the Harry C. Coley Lincoln Collection. Tipped in is a typed letter..... More


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We all know our favorite source of movies and tv shows has plenty of choice, but what fashion lovers should watch on Netflix? The first picture is from Pinterest, the credit goes to BuzzFeed Partner. There are many movies about fashion, but I'm going to talk about the ones that I think best describe the reality of fashion. Feel free to add your favorite titles in the comments!
The September Issue
I'm sure you all know Anna Wintour, the editor in chief of Vogue America. This is a documentary about the September Issue, which is the most important issue of the year. It's the one that announces changes in fashion, and it takes a lot of work for everyone in the industry. As you will see, everyone works so hard for this issue.
This documentary also features interviews of the legendary Anna Wintour and the people who work close to her.
My thought: It's something that everyone who likes fashion would enjoy. I would suggest it specifically to everyone who would love to work in the fashion industry. While watching it, I felt like I was standing there with all those creative people.
This picture is from Pinterest, the credit goes to mylusciouslife.
The Girl Boss
We started from a documentary, so now let's move to something less serious. The main character of the tv show Girl Boss is Sophia, played by Britt Robertson.
This comedy, besides being funny and absolutely crazy, shows an actual truth of fashion. Sophia, a 23 years old girl, is having an hard time finding her place in the world.
One day she bought a vintage jacket and when she uploaded it online, she couldn't believe the response she got from the web. This is how Sophia became Nasty Gal on the internet.
My thought: Girl Boss shows a modern truth about the internet while using the crazy attitude of Sophia. I also think that it shows how the web is becoming a place for those young people who can't find their own place in the world. Many young people are confused about what they want to do with their life or what job they should do, and at the end they find out that the digital world is their dream job, and this is becoming a reality.
Picture from Pinterest, the credit goes to IMDb
Dior and I
Dior and I is a documentary that shows the insights of the atelier Dior. If you enjoyed watching the September Issue, you are definitely going to like this one too.
At the beginning of the documentary, there are the original images and videos of the times when Christian Dior was in his atelier.
There are so many people who work at Dior, some of them started many years ago and never left.
Some years ago I've read the book Dior and I, written by Christian Dior. It was a journal where Dior explained himself as a stylist.
The picture is from Pinterest, the credit goes to d.repubblica.it


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Presents With Purpose: How You Can Support Social Enterprises This Christmas
Making one small change this Christmas could make a huge impact on people around the world. All you need to do is swap your ordinary gift list for one that supports social enterprises.
And the good news is that it's easier than it sounds because you can probably buy all the presents you were originally planning to gift while making a difference.
With over 80,000 social enterprises in the UK alone, Christmas is a great time to show your support for their hard work and commitment to change. Whether it's buying your grandma a cosy pair of socks when you know that a social enterprise will donate another pair to a homeless charity, or if you'd rather buy your best friend sustainably sourced beauty products which employ and empower women in rural Africa, there are plenty of ways to do your bit to help.


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Red Cross asks for blood donations after last weekend's storm
WASHINGTON >> The American Red Cross is declaring an emergency need for blood and platelet donors to boost a supply diminished in part by last weekend's record-setting snowstorm in the eastern and southeastern United States.
The nonprofit said in a statement Tuesday that more than 300 Red Cross blood drives in 20 states were canceled by the storm.
The storm followed the November-December holiday season, when blood donations typically drop off because regular donors are busy with holiday activities and travel.
The Red Cross is encouraging people 17 and older who are in good health to give blood as soon as possible to help ensure that blood products are available for patients.


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Price: $19.95
Quantity: 6 available
Book Condition: New
Me & Him: A Guide to Recovery reveals the shock discoveries casting Karen Tyrrell's first memoir Me & Her: A Memoir of Madness in a new light. An Australian teacher, Karen highlights the crucial role of her husband, Steve played as carer in her recovery from parent harassment and subsequent mental illness. In this self-help memoir, Karen shares practical mental-wellness advice, demystifies meditation, addresses sleep problems and explains how to beat depression and anxiety. Karen also discloses the dreaded secrets Steve finally revealed to her. 'On that fateful blue-sky day, my life as I knew it fell apart. You better rewrite that memoir of yours. What I'm going to tell you now will change everything. What secrets did Steve finally divulge six years on? What impact did those revelations have on their marriage and Karen's recovery? 5 STAR REVIEWS CEO's Mental Health organizations, psychologists, teachers and counsellors
Title: Me and Him: A Guide to Recovery
Categories: Memoirs, Mental Health Services,
Publisher: Australia, Digital Future Press: 2013
ISBN Number: 0987274023
ISBN Number 13: 9780987274021
Binding: Soft cover
Book Condition: New
Type: Book
Kg: 1.00 Kg
Seller ID: 000092


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Graduates of the Computer Science program have the opportunity to occupy many job titles like: Computer maintenance technician, Web site developer, Computer networks technician, Computer lab technician and Programmer and data entry employee.
Graduates of Business Administration program find plenty of openings in both private and governmental sectors as an office administrator, payroll, human resources, or even to run their own small business.
Medical Records program is designed to prepare the student to become a qualified Medical Records Technician. This program prepares graduates for entry-level positions in medical records management. Medical records technicians may pursue a career in various health care settings (e.g. Hospitals, Clinics, Home Care Centers, Physician's Office, and Long-Term Care Setting).


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KOFA's 100 Korean Films
As seen by filmantrop
You are viewing filmantrop's version of this list. You can view your version too.
An official iCheckMovies list.
Favorited 44 times, disliked 3 times, added to 103 watchlists.
In 2013, the Korean Film Archive asked 62 film scholars, professors, critics and curators to vote for the top 100 Korean films. The top 12 is ranked and the rest is in chronological order. 3 films tied for 1st place.
KOFA previously made a list of the top 100 Korean films from 1936-1996.
Pssst, want to check out the KOFA's 100 Korean Films list in our new look?
17 -13
Jayu manse1946 — a.k.a. Hurrah! For Freedom, in 3 top lists Check
Last updated on Aug 12, 2015 by PeacefulAnarchy; source


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James Blake Quotes
"I feel like I'm helping out Andy, because Andy has dealt with it on his own for a while now. I'm proud to be helping him. I'm proud that we're doing this together. We're both in the quarters now. He's playing great tennis again. I'm really happy to see that. He played unbelievable in Cincinnati. I thought he played great in Indianapolis.And I had to play possibly my best match ever to beat him in the finals. I'm happy to see him doing great. We're both playing pretty darn well going into Moscow. I'm looking forward to us teaming up together instead of playing against each other."
-- James Blake on being in the Top 10 with Andy Roddick at the US Open, leading up to the Davis Cup semifinal at Russia.
"If you read it, you must have been one of the 10 books he sold."
-- James Blake on Vince Spadea's tell-all book.
"The players strongly support the move away from best-of-five-set finals."
-- James Blake, 0-9 in five-set matches, on the ATP's proposed changes for 2007.
"I hope guys don't go into it already beaten. That happened when Pete was around. Guys definitely in the locker room felt like, a match against Pete Sampras, it was time to book your flight for the next day."
-- James Blake on the intimidation factor against players facing Roger Federer.
"What does that say about men's tennis these days? They're two pretty cute girls. I don't blame him."
-- James Blake on his brother Thomas watching the Maria Sharapova-Maria Kirilenko match rather than his.
"I never faced Pete (Sampras) in a match. I think from watching, his is the best serve ever. And he is the only guy that I would probably not take the bet that he would so often offer in practice -- he's down love-40, says "10 bucks, I still hold serve." I probably wouldn't even take that against him. So many times he would come back and win. He would just put it on the dime. I also wouldn't take the bets when we were just practicing our serves, he put just a tennis ball can on the other side, and says, "A hundred bucks for who hits more." That's not a safe bet with him."
-- James Blake on the serve of Pete Sampras.
"Two matches on clay, I got about zero rhythm, which is pretty frustrating. Playing two huge servers. You know, one's a serve and volleyer, the other one just goes for winners as early as he can. So that took me out of my game and so when it got down to crunch time, I didn't have the same confidence in my shots like I usually do." -- James Blake after losing to Ivan Ljubicic.
"I think we've seen the last of (Pete Sampras) in an ATP event. I don't think he's going to come back just to say goodbye. He's not the kind who needs to have his ego stroked, and from what I've heard he really enjoys being a father and being at home. It's great to see that someone who was so focused on his tennis can be so committed to being a family man. He may decide to come back for the American hardcourt season, maybe play Long Island and then the (U.S.) Open, but at the moment it's a storybook ending." -- James Blake.
"Last year I learned a lot from Pete Sampras here in Düsseldorf mentally. We practiced together and he taught me how to quickly put a loss behind me and to go positively into the next match." -- James Blake after losing a tight one to Carlos Moya at the ATP World Team Championship.
"I'm very frustrated that I lost because I felt I could have won it. But I am happy I fought back and showed that I can play with one of the best clay court players in the world." -- James Blake, happy with himself after a loss to Guillermo Coria at the TMS-Monte Carlo, showing why he doesn't have the fire to be a consistent Top 5 player.
"I mean, he's a very strong kid. He can create power from just about any situation. I wouldn't say he's much like a Spanish player because he really goes for a little more on his serve. That was going in today. He attacks a lot more. I mean, if you watch the match, you saw how much he attacked my second serve." -- James Blake after losing to countryman Robby Ginepri Sunday in Miami.
"We have that, you know, feeling. I mean, I go out to dinner with Mardy, Taylor, Robby all the time on the road, Andy, Brian. We have a great time together, all of us. We're cheering for each other. I want to see Andy do well tonight. I want to see Robby do well. We're excited for that. I think that makes a big difference because it gives us people to cheer for. Just makes it seem a little less lonely out here when you have friends that are doing well. If you have a bad week, but they have a good week, you take something out of it. You keep your confidence high and you just have someone to cheer for and someone to hang out with on the road. It makes a big difference." -- James Blake on the camaraderie of the American up-and-comers.
"He gets really excited for these kind of matches, I guess. You know, a night match, the crowd was into it. So, yeah, he was wired. That definitely helped him. Looked like he got excited, definitely started playing better. Can't fault him for that. Too good." -- James Blake after losing to Gustavo Kuerten. Hey James, maybe you should get excited too at the prospect of advancing to the semifinals, then maybe you could put a "W" on the board, I guess.
"For a veteran, he's helped me in every aspect, you know, with the tennis , off the court, media, anything. I remember a time, Memphis qualies about a year and a half ago, two years ago, I lost a close match after I practiced with him a bunch at Davis Cup when I was a practice partner. Really disappointed. Got on the phone and called him. We talked for about an hour. He told me stories about what he was doing when he was younger, some of the tough losses he had had, just how quickly things can change, how if you keep doing the right thing, it's all going to work out. Hearing that from someone who had done it, had gone through kind of what I had gone through, helped me. I thought we had so much in common, hearing it from someone similar to you makes a big difference in my career." -- James Blake on mentor Todd Martin.
Return to > Players > J > James Blake Profile (Biography) (Quotes) (James Blake Pictures)


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Forums › Community › AxCrypt File Encryption has stopped working › Reply To: AxCrypt File Encryption has stopped working
Hello Mark,
Yes, AxCrypt 2 works a little differently than AxCrypt 1 – but it's essentially the same thing. Yes, we've moved to a "single password" model. We feel this is a much better and safer system. Please read http://www.axcrypt.net/blog/use-of-different-passwords/ for a longer discussion and explanation of this.
Keyfiles have also been discontinued due to very low usage, and high risk of loss.
The "never any requirement to register" is indeed from the old website concerning the old software, however it's still true. You can run AxCrypt 2 entirely in offline mode by either denying it access to the Internet, or starting it with the –offline switch. In this case no registration is required (although we still ask you for something that looks like an email address).
We've made some large changes in order to increase the ease-of-use, and reduce the risk of data loss as well as encouraging the use of a single, but stronger, password.
Sometimes it's time to rethink old ways of doing things, and this is one of the we think!


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한국환경농학회지 (Korean Journal of Environmental Agriculture)
한국환경농학회 (The Korean Society of Environmental Agriculture)
- 계간
- /
- 1225-3537(pISSN)
- /
- 2233-4173(eISSN)
- 농림수산식품 > 농업환경생태
Aim & Scope
The Korean Journal of Environmental Agriculture welcomes papers covering all environmental aspects in soil, plant and water environments related to agricultural biosphere. This includes chemical, biological and physical processes affecting the environmental changes in agriculture. The Korean Journal of Environmental Agriculture covers biodegradation and biotransformation of pollutants, such as pesticides, metals, fertilizers and any other organic materials that expose to the environment. Diverse coverage of the Korean Journal of Environmental Agriculture includes plant physiology and biochemistry, environmental biotechnology, environmental microbiology, analytical approaches (instrumental or biological) to environmental monitoring of the pollutants, and ecological implications of agricultural behaviors. Papers dealing with any of the following titles also will be considered for publication: Bio-energy for environmentally renewable source, Plant pests and pathogens control, Forestry protection by eco-friendly methods, Plant biotechnology against environmental stresses.http://www.korseaj.org KSCI KCI