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    Bonds
    The quest to earn money has been one of the basic instincts in man ever since goods were quantified in terms of their value in the marketplace. The habit of saving has always been a wise one; even with basic income, one tries to save wealth for a rainy day. In late 1980s, markets in the United States started yielding high returns, and Wall Street firms were the first ones to introduce the concept of inviting people to invest in corporate bonds that did not have investment-grade ratings.A bond is a certificate or record which is an evidence of debt on which the issuer or organization promises to pay the investor a specified amount of interest after a certain time period. The government of a country can issue bonds; they can be also issued by business entities or non-profit organizations. Generally, industry analysts opine that long-term bonds pay higher interest than the short-term bonds. In the majority of the markets, it is observed that bonds move in the opposite direction of stocks. If stocks prices are up, bond prices witness a downturn and if stocks prices are down, bonds prices are generally on an upsurge.Generally, bonds are characterized by the way they pay their interest, the market they are issued in, the currency they are payable in, their protective features and their legal status. There are different types of bonds, some of the commonly issued ones are asset-backed securities. These securities make use of assets which are not tangible in nature. Some scrutiny is done to make these assets available for investment to a much broader range of investors.Convertible bonds give the holder the right to "convert" or exchange the par amount of the bond for common shares of the issuer at some fixed ratio during a particular period. Corporate bonds are bonds that an individual invests
    a total MYTH.

    "Romantic Love" is only the kindergarten of our learning journey. At first we see it as the be all and end all, but of course, when put to the test of marriage or even cohabitation, it just doesn't survive.

    So why do we do it? Why do we 'fall in love?' Why does it feel so good at the start and why do we feel so disappointed when it doesn't last?

    The reason for romantic love is that it provides us with a sample of how productive our lives can be; IF we do the necessary work.

    3. The Deficiency.

    AS a species, mankind is a social animal with a strong need to belong. In his well-accepted Table of Needs, Abraham Maslow rates the feeling of belonging very highly, suggesting

    American Government's Chief Cornerstone and Indissoluble Bond
    Our Founding Fathers pledged their lives, fortunes and sacred honor for the freedoms we now possess and so casually take for granted.Samuel Adams, the Father of the American Revolution, the patriot and leader who brought about our famous saying, “No taxation without representation” he said:“The right to freedom being the gift of the Almighty… The rights of the colonists as Christians…may be best understood by reading and carefully studying the institution of The Great Law Giver and Head of the Christian Church, which are to be found clearly written and promulgated in the New Testament.”On September 6, 1774, the second day of he Continental Congress, Samuel Adams proposed that one session be opened with prayer.Samuel Adams wrote a letter to James Warren, February 12, 1779, stating:“While the people are virtuous they cannot be subdued; but when they lose their virtue they will be ready to surrender their liberties to the first external or internal invader… If virtue and knowledge are diffused among the people, they will never be enslaved. This will be their great security.”Today our generation knows nothing more of Sam Adams than a beer that bears his name. Samuel Adams boldly said:“Neither the wisest constitution nor the wisest laws will secure the liberty and happiness of a people whose manners are universally corrupt.”Today with massive and widespread armament across the nations, nuclear proliferation and building up of war machinery we do well to remember that we are most secure as a nation when we humbly bow before the God of heaven who enabled us to fight off our British masters when we were outnumbered militarily three-to-one and without sufficient armaments.The battle cry of the American Revolution must return to our land and sweep thi
    1. The Wishes.

    If I only had a dollar for every time I've wanted to walk away from my marriage, I'd probably be sunning myself on the beach in Rio de Janeiro by now. But after 31 years with the same woman, I know that even with my megabucks and all the trimmings that wealth can bring, deep down I'd be feeling that something was missing somehow.

    Someone once said that the only thing worse than wanting something was getting it. When I heard that first, in the folly of my youth, it didn't make much sense to me. Nowadays, being in the situation of knowing how little I know, it seems quite profound.

    Have you ever noticed how the warm fuzzy feelings of getting what you want fade pretty soon afterwards?

    How long does the euphoria really last?

    How long does the acquisition stay NEW?

    If it is a new car, perhaps only as long as that unique smell that comes with it. So what comes next? Do you start longing for something else? What's to be the next acquisition?

    Or have you ever heard yourself saying:-

    "Things will be great when I get my new house."

    "Just wait until the new car arrives."

    "Once I get the boss's job, then things will be great."

    And sure, after you've got it, for a while anyway, things may indeed be great. But how do you feel after a week, or a month? Does the hunger set in again? Do you start looking for the next "When I get…"

    How does this play out in our careers? Personally, I was able to spin out the self-delusion for quite some time. I'd joined the Army at 20, mainly because I "didn't know what I wanted to do". And when the little inside voice asked what was going on I was able to put it off until 'later'. John Lennon is attributed to having said, "Life is what happens to you while you're busy making other plans." My ‘later’ lasted for 22 years.

    2. The Illusion.

    "WHAT does this have to do with relationships?" I hear you ask. Well, the same rationale that we use to tell ourselves that "..It will be OK when…" is the same mechanism that we apply to our relationships. "When she starts to….", or "When he learns to…"; then I will be happy. Always looking for something or someone out there to make us happy.

    We start off by "Falling in Love" with someone who is everything we ever dreamed of. Apart from being the most beautiful / handsome person we have ever met, they also have the cutest habits. They are warm, caring, gentle, kind, sensitive etc., etc…. What is even more wonderful, they seem to return the affection. Along with this nonsense comes the totally fatuous notion that he / she "makes me so happy." And how the musicians and poets milk this to death. One song line actually goes "You know you make me feel like you know I ought to."

    The tragedy about this situation is that it is a complete ILLUSION, a total MYTH.

    "Romantic Love" is only the kindergarten of our learning journey. At first we see it as the be all and end all, but of course, when put to the test of marriage or even cohabitation, it just doesn't survive.

    So why do we do it? Why do we 'fall in love?' Why does it feel so good at the start and why do we feel so disappointed when it doesn't last?

    The reason for romantic love is that it provides us with a sample of how productive our lives can be; IF we do the necessary work.

    3. The Deficiency.

    AS a species, mankind is a social animal with a strong need to belong. In his well-accepted Table of Needs, Abraham Maslow rates the feeling of belonging very highly, suggesting i

    Web Design
    A website is a set of information about a finicky topic. Conniving a website is defined as the pact and conception of web pages that in twirl make up a website. There are some decisive web design development fundamentals that small business owners must keep away when creating their website. The world we breathe in today is governed by technology. The drift of outsourcing web design, software development and Internet marketing projects gained an intense esteem in the e-commerce domain.Web development is a colossal province with manifold technologies concerned; barely a miniature development company is capable to include everything. Conversely, without experienced designers and developers ensuring infested proficiency, it will be not quite unfeasible for small firms to win contracts due to a lack of vital proficiency. The hitch to facilitate has arisen in the last few years is such that it would materialize to be very effortless to be converted into a web designer.Web design is an intricate procedure that requires an ample range of ingenious, business and technical skills. It is a multifarious restraint that involves a wide range of skills and it is that your web site be supposed to be easy to read and it is not about for embellishment, it is with reference to how the web is working. There are some decisive conventions and ethics to scrutinize for stunning and effectual web design.1. Avoid Using Splash Pages2. Avoid Excessive Banner Advertisements3. Use Clear and Simple NavigationWeb design is really simple and if you maintain to the details you can have a great web page with very little effort and stress. It is an unending process. For some it comes easier than to others. Most of the websites be predisposed to be basic, so they do n
    euphoria really last?

    How long does the acquisition stay NEW?

    If it is a new car, perhaps only as long as that unique smell that comes with it. So what comes next? Do you start longing for something else? What's to be the next acquisition?

    Or have you ever heard yourself saying:-

    "Things will be great when I get my new house."

    "Just wait until the new car arrives."

    "Once I get the boss's job, then things will be great."

    And sure, after you've got it, for a while anyway, things may indeed be great. But how do you feel after a week, or a month? Does the hunger set in again? Do you start looking for the next "When I get…"

    How does this play out in our careers? Personally, I was able to spin out the self-delusion for quite some time. I'd joined the Army at 20, mainly because I "didn't know what I wanted to do". And when the little inside voice asked what was going on I was able to put it off until 'later'. John Lennon is attributed to having said, "Life is what happens to you while you're busy making other plans." My ‘later’ lasted for 22 years.

    2. The Illusion.

    "WHAT does this have to do with relationships?" I hear you ask. Well, the same rationale that we use to tell ourselves that "..It will be OK when…" is the same mechanism that we apply to our relationships. "When she starts to….", or "When he learns to…"; then I will be happy. Always looking for something or someone out there to make us happy.

    We start off by "Falling in Love" with someone who is everything we ever dreamed of. Apart from being the most beautiful / handsome person we have ever met, they also have the cutest habits. They are warm, caring, gentle, kind, sensitive etc., etc…. What is even more wonderful, they seem to return the affection. Along with this nonsense comes the totally fatuous notion that he / she "makes me so happy." And how the musicians and poets milk this to death. One song line actually goes "You know you make me feel like you know I ought to."

    The tragedy about this situation is that it is a complete ILLUSION, a total MYTH.

    "Romantic Love" is only the kindergarten of our learning journey. At first we see it as the be all and end all, but of course, when put to the test of marriage or even cohabitation, it just doesn't survive.

    So why do we do it? Why do we 'fall in love?' Why does it feel so good at the start and why do we feel so disappointed when it doesn't last?

    The reason for romantic love is that it provides us with a sample of how productive our lives can be; IF we do the necessary work.

    3. The Deficiency.

    AS a species, mankind is a social animal with a strong need to belong. In his well-accepted Table of Needs, Abraham Maslow rates the feeling of belonging very highly, suggesting

    Apple Expanding Their Reach Into Cellphone Market
    Apple has long been known to the American people as a computer company, then for the popular iPod which dominated the MP3 market. The Apple Macitosh computer comes with exclusive iTunes for your iPod. It was only a matter of time before Apple expanded their creativity and technology into the cell phone industry. Apple has partnered with a few different leading cellular phone service providers including one of the most successful AT&T Wireless. Apple is almost ready to release their new iPhone to the public, sure to be a success with all of the pre-release reviews that have been going around.The Apple iPhone is said to have a few revolutionary, very unique features. From the outside it's sleek design may remind some of an iPod, and from the inside as well. It has a wide-screen that is 3.5 inches. The iPhone comes equipped with a full-featured built in web-browser which give the user the ability to search the Internet and view pages on the large screen. With the iPhone you are getting a cell phone, iPod, 2 megapixel camera, full-featured web browser, all in one small device.The iPhone is only 11.6mm thick, is Bluetooth 2.0 ready, and has either 4GB or 8GB for the reasonable price of $499 or for double the amount of space is $599. You can have up to 16 hours of playback. The iPhone will go on sale in stores and online in June with 2-year service contracts.The iPhone is designed for enjoying video, photos, and music. The phone doesn't come with the standard cell phone key pad, but instead has a large wide screen with advanced touch-screen technology. The iPhone also has a unique operating system never seen on any other cell phone before, something that is sure to be copied.A major benefit that those who have seen the new iPhone boast is that it is totally user-friendly. The iPhone is
    sonally, I was able to spin out the self-delusion for quite some time. I'd joined the Army at 20, mainly because I "didn't know what I wanted to do". And when the little inside voice asked what was going on I was able to put it off until 'later'. John Lennon is attributed to having said, "Life is what happens to you while you're busy making other plans." My ‘later’ lasted for 22 years.

    2. The Illusion.

    "WHAT does this have to do with relationships?" I hear you ask. Well, the same rationale that we use to tell ourselves that "..It will be OK when…" is the same mechanism that we apply to our relationships. "When she starts to….", or "When he learns to…"; then I will be happy. Always looking for something or someone out there to make us happy.

    We start off by "Falling in Love" with someone who is everything we ever dreamed of. Apart from being the most beautiful / handsome person we have ever met, they also have the cutest habits. They are warm, caring, gentle, kind, sensitive etc., etc…. What is even more wonderful, they seem to return the affection. Along with this nonsense comes the totally fatuous notion that he / she "makes me so happy." And how the musicians and poets milk this to death. One song line actually goes "You know you make me feel like you know I ought to."

    The tragedy about this situation is that it is a complete ILLUSION, a total MYTH.

    "Romantic Love" is only the kindergarten of our learning journey. At first we see it as the be all and end all, but of course, when put to the test of marriage or even cohabitation, it just doesn't survive.

    So why do we do it? Why do we 'fall in love?' Why does it feel so good at the start and why do we feel so disappointed when it doesn't last?

    The reason for romantic love is that it provides us with a sample of how productive our lives can be; IF we do the necessary work.

    3. The Deficiency.

    AS a species, mankind is a social animal with a strong need to belong. In his well-accepted Table of Needs, Abraham Maslow rates the feeling of belonging very highly, suggesting

    Investors Who Missed The Recent Real Estate Boom Should Look Here
    If you are a real estate investor and missed the housing boom, you may get another chance. Overheated in the eastern and western markets are cooling off, but there are new opportunities out there. Some of the cities that sat out the boom of the last few years are now showing stronger appreciation gains. Cities such as Dallas, Houston and Atlanta are showing signs of a strengthening real estate market.Real Estate in hot markets like the San Francisco Bay area market is showing signs of s a slowdown. Prices are rising slowly, however inventory is up. Another sign of slowdown in this hot market is the time it takes to sell a property. Last year some were getting nervous because there were only three multiple offers on a property instead of nine. In one year we have seen quite a change. Now homes that would have sold in one or two weekends are sitting on the market longer. It is not uncommon to see homes sitting on the market thirty to sixty days. This is more like a normal market.Meanwhile in Texas the demand for housing is increasing. With the new boom in the oil market aiding the job market, workers are coming to Texas from the US and abroad. This is putting upward pressure on the housing market. There are no signs of this slowing down anytime soon. While home prices in Dallas and Texas may not appreciate at the high rates of 20% + seen in some areas in the last few years, the appreciation rates should still be healthy. Real Estate Investors have been aware of this and are investing in these markets that have previously been very slow.The Atlanta market is benefiting from a healthy job market. Unlike the Texas markets, the Atlanta market is also seeing a rise in inventory. This rise in inventory should restrain the appreciation in Atlanta.A number of cities in the southwest which
    to…"; then I will be happy. Always looking for something or someone out there to make us happy.

    We start off by "Falling in Love" with someone who is everything we ever dreamed of. Apart from being the most beautiful / handsome person we have ever met, they also have the cutest habits. They are warm, caring, gentle, kind, sensitive etc., etc…. What is even more wonderful, they seem to return the affection. Along with this nonsense comes the totally fatuous notion that he / she "makes me so happy." And how the musicians and poets milk this to death. One song line actually goes "You know you make me feel like you know I ought to."

    The tragedy about this situation is that it is a complete ILLUSION, a total MYTH.

    "Romantic Love" is only the kindergarten of our learning journey. At first we see it as the be all and end all, but of course, when put to the test of marriage or even cohabitation, it just doesn't survive.

    So why do we do it? Why do we 'fall in love?' Why does it feel so good at the start and why do we feel so disappointed when it doesn't last?

    The reason for romantic love is that it provides us with a sample of how productive our lives can be; IF we do the necessary work.

    3. The Deficiency.

    AS a species, mankind is a social animal with a strong need to belong. In his well-accepted Table of Needs, Abraham Maslow rates the feeling of belonging very highly, suggesting

    Earth Friendly Composting
    Municipalities throughout the United States require residents and businesses, such as construction companies, to dispose of organic waste in 30 gallon paper bags that can then be transported to composting facilities rather than land fills. The problem with paper is that when it rains, the bags get wet, messy and difficult to handle. We have come up with an alternative to paper bags, earth friendly plastic bag or plastic film material called Terraturn XP that can be used to replace paper bags or organic waste disposal. Terraturn XP has the ability to biodegrade swiftly and safely during municipal or commercial composting, yet stands up to water.Terraturn XP is made from an additive called Ecoflex. We use this additive because it is already BPI-certified and meets ASTM D6400 specifications for composting plastics.With these properties the material is ideal for bags, paper coatings, disposable packaging or agriculture sheeting because it decomposes in soil or in compost without leaving any residues. The use of compost-able plastic bin liners or bags make recycling programs cleaner and easier, therefore improving participation and increasing the amount of materials to divert.Studies have shown an overall participation rate increase of 10% when residents and generators are allowed to us compost-able bags.There are many opportunities for products made from these raw materials that make a lot of sense.These include those products that cannot be economically recycled because they are inefficient to collect and process, such as plastic coated plates, cups, bowls and food service items that are often used in cafeterias and other institutions.As a new industry grows and the properties of the materials improve, more products will appear in the market.Challenges to be suc
    a total MYTH.

    "Romantic Love" is only the kindergarten of our learning journey. At first we see it as the be all and end all, but of course, when put to the test of marriage or even cohabitation, it just doesn't survive.

    So why do we do it? Why do we 'fall in love?' Why does it feel so good at the start and why do we feel so disappointed when it doesn't last?

    The reason for romantic love is that it provides us with a sample of how productive our lives can be; IF we do the necessary work.

    3. The Deficiency.

    AS a species, mankind is a social animal with a strong need to belong. In his well-accepted Table of Needs, Abraham Maslow rates the feeling of belonging very highly, suggesting it is secondary only to our need for food, drink, rest etc. Related to that need however, and possibly much, much stronger, is a need for intimacy, closeness and acceptance. In other words, we need love.

    And here is where the conundrum starts: - we make a decision as to how we feel about love very early in life. The continuum of our amenability to love varies from people who are totally switched off to the possibility of love, (our prisons are full of them) at one end, to those really gregarious individuals who work themselves into a frenzy trying to gain approval.

    We can gain great mileage, and absolve ourselves from responsibility for our attitude, by blaming our parents. Depending on the dynamics of our early relationships, we grow up with either the sense of having been abandoned or having been smothered. Either way we are left with the sensation of being flawed somehow, or having something missing.

    4. The Expectation.

    THE illusion referred to earlier is the seeming fulfillment of our deficiency. This person with whom we have "fallen in love" can magically provide all the missing elements that are needed to make us happy. Amazing. Mr. or Ms. Right has arrived. Not only does this "RIGHT" person have all the answers to my problems, but he / she will instinctively know how to behave to continue to make me happy. I do not even have to ask; she will somehow read my mind and understand what I need. While this attitude may seem ridiculous from an outside perspective, it may be a good thing to ask yourself this question.

    How often have you felt disappointed that your partner has failed to carry out your wishes, to discover afterwards that he / she did not really know what you wanted in the first place? In other words, you ASSUMED or EXPECTED that she / he would fulfil the requirement.

    We know enough nowadays to blame most difficult situations on poor communication. Unfortunately, there is an implication that if we just used terms and words that the other party understands, then problems would disappear. It is my contention that our problems stem not just from accidental or inadvertent mis-communications, but from our underlying arrogance in having expectations in the first place. And on a distinct unwillingness to take responsibility for our own actions and situation. How often have you heard about people whose marriage broke down. There it was, one minute it was OK, the next it was broken. ("I had nothing to do with this, it was the marriage that failed.")

    5. The Games.

    BACK in 1966 Eric Berne, M.D., in his book "Games People Play" introduced us to the idea of habitual behaviours that we employ in order to achieve our ends. He calls these habits "Games" because they do not represent honest and authentic behaviour. They are more like automatic, knee-jerk responses which are so well ingrained that we have convinced ourselves to be true.

    My favourite is the one he cal

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