...do (our Images), will be taken from us leaving us with the most important – Who We Are. If who we are, is the only thing that will outlive our life here on Earth, then WHO ARE YOU? What do you want to be remembered for – an IMAGE or a PERSON? An Image is what we put up for people to see; this is not who you really are, it’s just the “Image” of the real person. Sometimes the IMAGE is the same as the PERSON but Many times (if not all the time), the PERSON is far-too far- from the projected image. Nowadays, the world and even the church is plagued with IMAGES: Images in Government Houses, Images in Managerial and “leadership” positions, Images in Presidential Villa; Images behind the pulpit; (…this is how a Pastor should act, this is how a Deacon should talk, this is how the choir should dance etc.), images in the pew (…our denomination don’t shout, don’t talk in this place,...
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...What were the criticisms that the humanists made of the Catholic Church? The Catholic Church faced many criticisms from the humanists; the humanists were a group of intellectuals who supported the reform of the church, but did not propose new policies but rather a change to improve he intellectual and moral standards of the clergy. Despite affecting the church and the faith in the church there was not much impact on the ordinary people they were not interested in the corruption within the church providing it I did not affect their everyday worship. Their criticisms affected not only the church but also the followers of the religion, the impact on how it was preached and practised. One of the key criticisms were indulgences, these were pieces of paper signed by the people that could be purchased by the laity, this meant the recipient of the sin was cleansed an often saved their souls. However there was opposition against them as he believed the faith was the only true saviour of their souls. While these were helpful toward the church in the sense that there was an increase popularity of the catholic faith and people saw an escape route to a way to amend their mistakes, it had major negative effects on the church, from the humanists c criticisms, it meant many people saw corruption and truly religious people would have the same views as martin Luther, that only faith could ensure salvation and that it could not be achieved through Christians own effort. This meant that there...
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...For my ethnographic research paper I wrote about the United Pentecostal Church International. After writing that paper and reviewing the research I could not come up with a problem within that specific community to write about. I instead decided to branch out and research the catholic religion, specifically priests and sexual abuse in the Catholic Church. The issue of sexual abuse in the church came to light in the mid 80’s. According to Hertzberg (2010), “the pattern broke into public consciousness in the United States a quarter of a century ago, when a Louisiana priest pleaded guilty to thirty-three counts of crimes against children and was sentenced to prison. Since then, there have been thousands of such cases, civil and criminal, involving many thousands of children and leading to legal settlements that have amounted to more than two billion dollars and have driven several dioceses into bankruptcy.” According to an article written in 2002 in the Boston Globe, the archdioceses of Boston have quietly settled allegations of child molestation of over 70 priests in the past 10 years. These are just a small portion of the cases that were public. The church secretly handled many cases that were never made public (Robinson, 2002). This is just in Boston. There are cases all over the United States as well as overseas. According to Donald Cozzens, “by the end of the mid 1990’s it was estimated that more than a half a billion dollars had been paid in jury awards, settlements...
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...MOUNT HEBRON BAPTIST CHURCH OFFICIAL BOARD MEETING SATURDAY June 1, 2013 The meeting was opened with singing “Tis So Sweet”. Scripture was read by Deaconess Connie Taylor who read Psalm 40:1-4 Prayer was given by Deacon Willie Brown. Testimonies were given by Deacon Howard Hinson and Deacon C.V. Wilson. The meeting was called to order by Chairman Howard Hinson. Attendance: Pastor Waller, Deacons: Howard Hinson Chairman, C.V. Wilson, Willie Brown and Chester Nicholes; Deaconesses: Dorothea Brown President, Mildred James, Denise Hinson, Evangeline DiCastanado and Connie Taylor. Absent Officers were; Dorothy Allen, Rodney Vincent, Karen Vincent and Marian Ladson. Meeting was called to order by Chairman Howard Hinson. Minutes of Saturday May 4, 2013 was read. Motioned by Deacon Wilson, second by Deaconess James that the minutes be accepted with the necessary correction, if any. Motion carried. Sis. Cheryl White was invited into the meeting to talk about her vision for Christian Counseling at Mt. Hebron. Old Business Delaware Property: On going. Pastor Waller said that we need to look into having property taxes removed. New Business Deaconess Brown, spoke about Kenya DeShield have her room painted and would the church supply paint. With consent it was agreed that the church would supply the material. Deaconess Brown said the Pastor Waller anniversary has to be change due to 1 week is holy week, 2nd Sunday is Palm Sunday, 3rd Sunday is Easter...
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...THE RELATION OF THE 7 IN ACTS 6 TO THE OFFICE OF DEACON THE QUALIFICATIONS OF THE OFFICE OF DEACON A Paper Presented to Professor Timothy Moroz Of Liberty University Lynchburg, VA. In Partial Fulfillment Of the Requirements for The Book of Acts BIBL 165-B01 LUO by Bonnie Andreucci July 1, 2014 OUTLINE PAGE 1. Introduction a. Thesis statement b. Purpose of this paper 2. Body a. A chosen life, why me, Lord? b. Qualities of a Deacon c. Ordered by God 3. Conclusion a. Is it worth it? 1. A deacon, a man, a chosen life and servant of God, yet still human and prone to failure; God has His intended appointment for His people. As a church deacon, you must stand for, and on, the gospel; and live as though your life depended on it, because it does. Your life, though you go about day-by-day doing as you will, belongs to God first, the church that you serve, your community, than yourself. I hope to enlighten my reader to the facts of this office, and then the reason it is so important. Rabbi Helen Gelof was a longtime friend of the family, and she just had a way about her. She had grace, knowledge, determination, and a great love of God and those around her. “I believe that a life chosen by God, no matter whether Jew or Gentile, you must follow the law given by God. Rabbi, priest, pastor, or deacon; any leader in a church or temple, God has laws and restrictions in each. Just remember, you cannot always please man...
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...I thought,normal day lang ang araw na’to, katulad lang ng lagi nangyayari. Pero I don’t know why I have this feeling.para bang may something na mangyayari sa school,parang kinakabahan ako ah!.. Since start na nang class namin, mag-attendance na si Sir Fiel. “ Mr. Lade Villaber was not here because he’s fixing some important matter”..what? wala si lade.pa impo-important matter pang nalalaman.simula sabado di ko na siya nakita..hay kakamiss naman ang lokong yun.. “class, since kakatapos lang nating mag-exam,wala muna tayong klase ngayon.pero di ko kayo hahayaang lumabas ng room. Ahm, maybe lets have some bonding para naman sa closure natin since nalapit na din naman kayong grumaduate, so anong gusto nyo?maybe let’s have some talent show?do all you want,just enjoy the time kasi bukas may klase na tayo okay?” Ang buong klase naming grabeng saya,biruin nyo yun wang klase tapos parang may performance show pa. Halos lahat ¾ ng class naming ang nagperform sa harap ni sir,wala kasing umayaw dun sa mga tinawag ni sir para mag perform eh! But all of a sudden tumayo si sir sa unahan.”I guess it’s time for him to let his feelings for her girl is exposed.” After na sinabi yun ni sir, ewan ko ba o talagang feelengera lang ako bigla kasi akong kinabahan,I really don’t know why pero ung kanina kong naramdam bago ako pumasok ng school was the same feeling that I feel now. After ng I think mga 5 minutes un,lahat ng mga classmate ko na lalaki ay pumunta sa unahan then nag-form sila...
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...My name is Musharraf Idris and I am currently a GCSE student in the Thomas Deacon Academy. I am currently applying for sixth form and here is what I have to offer to this institution: Personal Profile: I am a highly motivated, self disciplined and dedicated apprentice; I can contribute and undertake any facilities in a variety of situations, which combines good communication and management skills, with a high degree of enthusiasm and analytical thought processes, Ambitious, pro-active and with a lot of other additional skills. In my 4 years school my favourite and most successful subjects have been Maths, History, Spanish and English. I have particularly enjoyed doing I.T because in our class we do all sorts of things like presentations, using PowerPoint and analyses using the Excel spreadsheets. The work in I.T is really easy and there is no difficulty doing it. I have also found English particularly interesting because I got good grades for the essays, comprehension and the stories . I have had experience in other areas of work during the last year including working in a local busy restaurant (presently) In these jobs I have enjoyed a role of responsibility which in my opinion exceeds my years. In history, I am able to use sources to analyse well and find it easy to tie in with the work, as well as being able to identify primary evidence from secondary evidence. Although I often find the work in history difficult, I feel as though my skills are constantly improving...
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...Market Funds 2012 The World Behind Fitch’s MMF Ratings by Charlotte Quiniou, CFA, Director in Fitch Ratings Fund and Asset Manager Rating Group Fitch money market fund (MMF) rating is far more than just a stamp on a fund. Its value for investors comes from the depth and breadth of the underpinning rating analysis and process. A key component of a Fitch MMF rating is also the regular, independent surveillance performed by Fitch’s analysts, which supports ongoing dialogue with fund managers, so that systematic mechanical reactions are avoided. To better serve investors, Fitch provides information on rated MMFs and developments in the money market industry, notably based on MMF surveillance information, through freely available periodic publications and online tools. A Disciplined procedures ensure consistency Fitch conducts analysis and assigns ratings on MMFs following a consistent, disciplined process that is applied globally. The diagram in Figure 1 provides a summary view of the major steps followed by Fitch when assigning or reviewing a MMF rating. At the start of the rating process, each MMF is assigned to a group of two analysts: the primary (or lead) analyst, and the secondary (or back-up) analyst. Analysts are responsible for leading the analysis and formulating a rating recommendation. The primary analyst is typically responsible for the continuous surveillance of the rating, once it has been assigned, and maintaining the dialogue with the fund manager...
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...Rae Bock started Bock Investment Services (BIS) in 1994 with the goal of making BIS the leading money market advisory service in South Carolina. To provide better service for her present clients and to attract new clients, she has developed a weekly newsletter. Lisa has been considering adding a new feature to the newsletter that will report the results of a weekly telephone survey of fund managers. To investigate the feasibility of offering this service, and to determine what type of information to include in the newsletter, Lisa selected a sample random sample of 45 money market funds. The Data File “Bock”, reports fund assets and yields for the past seven and 30 days. Before calling the money market fund managers to obtain additional data, Lisa decided to do some preliminary analysis of the data already collected. Managerial Report 1. Use appropriate descriptive statistics to summarize the data on assets and yields for the money market funds. 2. Develop a 95% confidence interval estimate of the mean assets, mean 7-day yield, and mean 30-day yield for the population of money market funds. Provide a managerial interpretation of each interval estimate 3. Discuss the implication of your findings in terms of how Lisa could use this type of information in preparing her weekly newsletter. 4. What other information would you recommend that Lisa gather to provide the most useful information to her clients? (This case problem is due to Anderson, Sweeney, and Williams for...
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...Investment Funds and Securities Bloomberg Exercises 1. Learn about the different types of funds and their classifications by going to the Bloomberg’s FUND screen: FUND <Enter>; click “Fund Functions” and “Fund Lookup”; or enter MFOD and click type: Equity, Debt, Money Market, Real Estate, Commodity, or Alternative. 2. The performances of funds by type (e.g., mutual, hedge fund, ETFs, and unit investment trust) can be found on the Fund Heat Map Screen, FMAP. Use the screen to identify the top performers based on total return for several types: FMAP <Enter>, Click “Fund Type” in “View By” dropdown. 3.) alternative) can be found on Bloomberg’s Fund Heat Map Screen, FMAP. Use the screen to identify the top performers based on total return for several objectives: FMAP <Enter>, Click “Objective” in “View By” dropdown. 4. Use the Bloomberg fund search screen, FSRC, to search for the following types of equity-type funds and ETFs: a. Fund Type: Open-End; Classification (Asset Class Focus): Equity; Fund Strategy: Growth or Growth and Income; Analytic criterion: Input total return for one year of greater than X% (e.g., 20%) b. Fund Type: Closed-End; Classification (Asset Class Focus): Equity; Country of Domicile: select (e.g., U.S.); Analytic criterion: input total return for one year of greater than X% (e.g., 20%) c. Fund Type: Open-end; Classification: Industry Focus: Select industry (e.g., technology); Analytic criterion: input total return for one...
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...and investment trusts. Firstly, it will shortly introduce the definitions of two different funds, then after identifying the main difference between them, it will talk about the advantages and disadvantages for each other. Finally, it will come up with a conclusion. Unit trusts and investment trusts are two types of funds that people can invest in as a private investor in the world. They together form the very fundamental way of how funds operate. Unit trusts are‘open-ended’funds, which means that the size of the fund and the number of units depends on the amount of money investors put into the fund.(Arnold,2012:30) Moreover unit trust fund is an investment scheme where money from many investors is pooled together for collective investments, and is invested towards a specified goal as stated in the investment objective of the fund.(Fig1.1) (ambmutual.com) Arnold(2012) also claimed that investment trusts differ from unit trusts-they are companies able to issue shares and other securities rather than units. Investors can purchase these securities when the investment company is first launched or purchase shares in the secondary market from other investors. These are known as closed-end funds because the company itself is closed to new investors – if you wished to invest your money you would go to an existing investor to buy shares and not buy from the company. An open-end fund does not restrict the amount of shares that can be issued or redeemed at any time. Usually,...
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...management are the two classes in which the investment strategies are categorized. Active management is whereby financial professionals try to outperform a specific benchmark. Passive funds like the exchange traded funds (ETFs) are whereby the index is tracked with no active stock selection (Barr, 2009). The risk of a failing a benchmark or index can be reduced through passive investment. Passive investment also reduces the cost. The active investment has the potential of boosting returns through outperforming some benchmarks. However, there are increased risks and also there are no guarantees that the benchmarks will be exceeded or matched. In a well-diversified portfolio, active and passive investment can flourish. The role of ETFs which is an important building block for dynamic and diverse portfolios is to offer access to equities and fixed income across large developed economies and the emerging markets. ETFs can be traded like share, thus similar liquidity is offered hence it allows the investor to adjust to their portfolios. In the context of investors’ specific objective, active management allows risks to be managed properly (Barr, 2009). Passive funds don’t neutralize risks, but they introduce benchmark risks and concentrated risks to investors and in relation to exchange-traded fund. The concept of market efficiency holds that there can be no over-valued or under-valued securities because of the market factors of discount which at all times influence the pricing of...
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...management are the two classes in which the investment strategies are categorized. Active management is whereby financial professionals try to outperform a specific benchmark. Passive funds like the exchange traded funds (ETFs) are whereby the index is tracked with no active stock selection (Barr, 2009). The risk of a failing a benchmark or index can be reduced through passive investment. Passive investment also reduces the cost. The active investment has the potential of boosting returns through outperforming some benchmarks. However, there are increased risks and also there are no guarantees that the benchmarks will be exceeded or matched. In a well-diversified portfolio, active and passive investment can flourish. The role of ETFs which is an important building block for dynamic and diverse portfolios is to offer access to equities and fixed income across large developed economies and the emerging markets. ETFs can be traded like share, thus similar liquidity is offered hence it allows the investor to adjust to their portfolios. In the context of investors’ specific objective, active management allows risks to be managed properly (Barr, 2009). Passive funds don’t neutralize risks, but they introduce benchmark risks and concentrated risks to investors and in relation to exchange-traded fund. The concept of market efficiency holds that there can be no over-valued or under-valued securities because of the market factors of discount which at all times influence the pricing of...
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...23 1. Mutual funds are attractive to small investors because they are able to diversify their portfolio for a minimum investment of $250 to $2,500 (p. 609). The investors must rely on the fund’s portfolio manager to make the investment decisions though. Mutual funds generate returns in three ways: through dividend payments to shareholders, distribute capital gains resulting from the sale of securities within the fund, and through mutual fund share price appreciation (p. 611). 2. Open-end mutual funds differ in the fact that they are open to investors which means they will sell shares to investors at any time (p. 609). They also allow investors to sell the shares back to the fund at any time which closed-end cannot (p. 609). 3. Load funds are promoted by registered representatives of brokerage firm, who earn a sales charge upon the investments in the fund between 3 and 8.5 percent (p. 615). No-load funds are promoted strictly by the mutual fund of concern, thereby avoiding an intermediary (p.615). 6. The ideal mutual fund for investors who wish to generate tax-free income and a low degree of risk would be a short-term municipal bond fund (p.620). 9. If the mutual fund distributes at least 90 percent of its income to its shareholders, the fund itself is exempt from federal taxation (p.625). 11. Money market funds differ from other types of mutual funds based on the composition, maturity, and risk of their assets (p. 625). The most common money market funds are commercial...
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...ARTICLES BY AUTHOR Superior performance has helped Neuberger Berman survive and thrive since the Lehman Brothers bankruptcy. Neuberger Berman was knocked around more than most asset managers in the treacherous seas of the 2008 financial crisis. The 73-year-old firm had only recently been lashed to Lehman Brothers when the investment bank foundered and ultimately failed. Buyout firms proposed a lifeline, but they fell short as the financial crisis deepened, leaving Neuberger's leaders to improvise an employee buyout during the most punishing financing environment in memory. Yet, four years later, Neuberger is freshly invigorated and focused on the essentials in the way disaster survivors tend to be. Its business is in sturdy condition, its fund performance is outpacing most peers and its strong investment culture has been affirmed. If the new Neuberger is in some ways "a $200 billion start-up," as one executive characterizes it, it is also one of the country's premier and most deeply rooted asset managers. Roy Neuberger, a founding partner and guiding force of the firm, died just two years ago, at the age of 107. Until he was nearly 100, he came into the office every day. For all the drama Neuberger has undergone in the past 15 years -- going public in 1999 after 60 years as a partnership, being absorbed by Lehman in 2003 and then set adrift five years later -- Neuberger is in some ways now much closer to the firm that Roy Neuberger ran than it has been in years, with its focus...
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