A detail on CRSR/FERS which also includes the offsets. Below is March month end TSP returns by fund.TSP Monthly Returns for March 2009Rates of Return were updated on April 1, 2009.G FundF FundC FundS FundI FundMarch 20090.24%1.38%8.81%8.64%7.20%Last 12 months*(04/01/2008 to 03/31/2009)3.49%3.25%(38.01%)(38.97%)(46.40%)Percentages in ( ) are negative.* The returns for the G, F, C, S and I funs for the past 12 months, assuming that, with the exception for the crediting of earnings, unchanging balances (time-weighting) from month to month and assuming that earnings are compounded on a monthly basis.The monthly G, F, C, S, and I Fund returns represent the actual total rates of return used in the monthly allocation of earnings to participant accounts. The returns are shown after deduction of accrued TSP administrative expenses. The F, C, S, and I Fund returns also reflect the deduction of trading costs and accrued investment management fees. The most current G, F, C, S, and I Fund rates of return are shown above. Returns are updated after the monthly allocation of earnings, usually by the fourth business day of the month.L IncomeL 2010L 2020L 2030L 2040March 20092.06%2.82%5.35%6.30%7.08%Last 12 Months(5.80%)(10.74%)(24.04%)(28.96%)(33.16%)Percentages in ( ) are negative.
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ShaChena Gibbs - Founder/CEOOffice # 801.760.4293info@realsistersrising.comhttp://www.realsistersrising.comWomen are the foundation in most homes. They provide for the family in many unique ways. In the mist of the “handle it all mode” women forget to rejuvenate them selves and work on their goals. In today’s society everyone is working on maintaining or gaining knowledge, certification or a new expertise to help them get to success. It is more evident that knowledge is power in the U.S.Real Sisters Rising has taken notice to the need for women to remember in the mist of all that is going on they have the opportunity to still pursue their dreams and make sure they are ready for elevation.On May 1, 2009 Real Sisters Rising will be launching RSR University and the first conference of RSR University is the Virtual Women’s Conference "A women’s guide to good health and financial wealth."Some of the speakers for this monumental conference are:v Rachel Rhoden ~ Rachel Rhoden Enterprises, Inc.v Cheryl Donovan ~ Worth More Than Rubies Ministriesv Marguerite Wright ~ Mother’s Herbsv Lynda Crooms ~ mPower Onlinev Cee Cee Caldwell-Miller ~ A Healthier U / Be In Good HealthRSR University will offer affordable & effective online education to members and affiliates. At RSR University you will have access to virtual conferences, workshops, tele-classes, e-books, and e-courses. Some of our courses may require homework from one of our experts/professors.Real Sisters Rising purpose has always been to work together to provide resources, education, networking opportunities along with advocacy and promoting self-awareness within our communities. When women improve the quality of their lives, the communities to which they contribute also improves. It is only right for them to launch the RSR University to go even further in the organization and world.To learn more about the conference or register visit www.realsistersrising.com.
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Ladies of Christ Sister's Foundation Presents: Ladies of Christ Supports Stay at Home Mom'sLadies of Christ Sister's Foundation is hosting it's first event. "Ladies of Christ Supports Stay at Home Mom's" We are hosting an event that allows stay at home moms to advertise their business, hobbies or the things they do all day long while taking care of their children.For the month of June, we are allowing mom's to purchase space to advertise their work. *you do not have to sell anything to purchase a page. You simply need to be a stay at home mom that has something to advertise.*The purchase of this page costs only $5. This includes:Space for 3 pictures of your choice with a descriptionA picture of you and a logo (optional)Space to tell us about you and your business (optional)Give details on sales, future events etcLink to your business.The deadline for reservations is May 22nd and we will not accept payment for the space after that.If you are interested, find out more details here: http://sistersfoundationevents.webs.com/Read more…
Making your own natural oatmeal and brown sugar body scrub is fun, simple and easy on your budget. It smells great too. Read on to learn how.Things Needed:Ground OatsMedium BowlBrown SugarAloe VeraLemon juice1. Place 2 tbsp. of ground oatmeal in a medium bowl. Oatmeal is hypoallergenic and full of amino acids that nourish and moisturize the skin. Oatmeal is perfect for people with sensitive skin, as it is a natural anti-inflammatory; it gently exfoliates and cleans, and soothes dry itchy skin.2. Measure 2 tbsp. of brown sugar and add it to the bowl. Brown sugar contains a number of the finest oils from all over the world, and for that reason it is used as a natural moisturizer in many skin care products. Brown sugar will rejuvenate skin while gently removing dead skin cells.3.Add 2 tbsp. of aloe vera to your scrub mix. Aloe vera is famous for it's burn soothing effects, but it is also a gentle cleansing agent and moisturizer. Be sure that you purchase 100 percent aloe vera gel or squeeze the aloe directly from a live plant.4. Squeeze in 1 tsp. of lemon juice. Lemon is a natural gentle astringent that will help to clear and refine pores and eliminate acne without over drying the skin. If you have oily skin, add an extra tsp. of lemon juice to the mix.5. Stir the ingredients until your oatmeal and brown sugar scrub has an even creamy consistency. Apply the scrub to damp skin, gently massaging with circular motions. For added benefit, you may allow the scrub to set for 10 minutes before rinsing.Feel free to leave a comment.Until next time…Have a wonderful day!
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1 MAY 09HAPPY NEW MONTH, TO ALL!!!!!!!Ok, this has been a busy quarter for me ( forget month).I actively promoting the BBBC, this club just gets better and better,There is so much excitement generated about the BBBC growth and direction.Online Conferences, Workshops, Television, Radio, Membership community site, business and personall development software, ebooks, and videos.If you have NOT connected to the BBBC, shame on you!!!!!This is the club folks have been asking for, for years.Great People and Information, Healthy fellowship, business connections,personal and professional support, music, videos, joint ventures, income production and that just the tip of the iceberg.Oh yes, the membership cost $14 per month. Yeah , I know, you asking the same question I did, why so low with so much value.Truth!!! The club was designed to help others prosper, to help as many people as possible, to reach the masses, those who are still trying to make it,those who are still trying to figure IT out!!!!See, the proof is in the action. The low cost is the physical manifest of the thought seed that has been planted.The workers may be few, the many are recognizing the Harvest is great and doing this with the gusto!!!! Get the BBBC and experience success on many levels!!!!!!When you hear the slogan " Nothing But Better Thing to Come"Believe you me it is for REAL!!!!!So if you don't know, you REALLY need to ask somebody!!!!!!Get this positive energy club and invigorate yourself.BBBC member 84my personal message to youhttp://www.blackbusinessaffiliate.com/members/nbbta/postcard/JCUCWKVRMB.html
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Celebrate National Poetry Month by reading Sisterhood, the Blog’s signature poem below. Sisterhood, the Blog is a social media project that will launch in late June. It will provide sacred space for twenty-first century women to explore self-discovery through sisterhood connections and communities, spirituality, self-care, self-expression, storytelling, social media, and social justice advocacy. Visit http://sisterhoodtheblog.wordpress.com.FYI - Sisterhood, the Blog Radio (http://www.talkshoe.com/tc/42015) will launch on Wednesday, June 24th from 8:00pm to 8:30pm. "Sisterhood 2009: What does it mean to be a feminist today?" is the show's theme. The show will feature a conversation with Jennifer Nedeau, Women’s Rights Blogger for Change.org - http://womensrights.change.org. Click here to read the 2009 show schedule: http://sisterhoodtheblog.wordpress.com/radio-show.Sisterhood, the Blog by Ananda LeekeCopyright 2009 by Madelyn C. LeekeExcerpt from That Which Awakens Me: A Creative Woman’s Poetic Memoir (Summer 2009 - iUniverse, Inc.)Have you heard?There’s a new feminine frontier where women’s voices emerge from the silence without fear, shame, or judgment.Where women plant seeds of thought and infinite possibilities in gardens that promote freedom of expression.Where women reveal their dreams and tell their secrets because a sanctuary of safety has been birthed by each woman’s soul.Thanks to the Internet and an expanding portfolio of social media tools, women have discovered common ground.They have become the architects of their own lives.Their blogs, videos, podcasts, and social networking sites are prime real estate in online neighborhoods that form communities of support.Their conversations build relationships and bridge gaps.They make their own news and tell their own storiesThe end result is a plethora of networks that serve as launch pads for personal and spiritual empowerment, information sharing, creative expression, healthy living, new friendships, social justice advocacy, career reinvention, and business opportunities.All of their energy and efforts illustrate one truth: women are standing in their power and reclaiming their sacred feminine on and offline.They move with a power not seen before.It is rooted in being fullyP - Present when theyO - Own their lives asW - Women who believe they haveE - Everything they need to live out theirR - Revolution of authenticity.One thing is for sure, women know their investment in themselves will yield a high return.So get on board and join the revolution of Sisterhood, the Blog before it’s too late.
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Posted by Sumer Norris on April 30, 2009 at 1:06am
I've always wanted to be a SAHM . Well 2008 comes and I have this precious 9 pounder to love. There were different projects in our favor but they just haven't came through yet. I had support from my original supervisor that I could work from home when my baby was born but that failed through when my new supervisor came along. I remember coming home and balling my eyes out to the Lord. I couldn't worship or praise Jesus on my own so I turned on some music. I received comfort in Him that night but as many of us know we always have to lean on the Lord every step of the way.I began to pull on the Lord. I was not letting Him go until He blessed me like Jacob in Genesis. As I was praying to search for my miracle I began to get more intimate with God. Instead of searching for my breakthrough I started searching for Jesus more and more.Have you ever looked for something particular but received a greater blessing than what you were looking for?That was me. I’ve been in the Word, been in His presence, searched for God about something whether it be family, future, finances, relationships, or just Him. But how many of you know God is the Alpha and Omega? He’s the beginning and the end? He’s so awesome you can’t contain Him. So we will always learn who He is.As I was enjoying God and interceding/praying for others the beauty supply idea came to me again. I talked to my mother about it and she encouraged me to get connected with a guy in Indy who was doing what I wanted to do. So I did and he informed me with how much he started with and what not. And I shared with my mother and husband I want to start with this certain amount of money to begin my business.Months have passed and I’m still enjoying who God is. He’s the author and finisher of my faith. Thank God I’m not able to write my own faith b/c I would’ve been stuck on the first letter. LolWell my Hubby and I entered the church one day for service and a precious saint comes to me and says, Can I talk to you for a moment? I said sure. She said this person wanted to be anonymous but the Lord put it on their heart to give you a certain amount of money. Now this is serious money so you hold on to it. My heart just melted. My eyes swelled up, I was speechless. My thought was God you heard me but you didn’t have to but you did. And not only you heard me but you responded. She just looked at me and said okay this is confirmation to you. I just nodded my head b/c I couldn’t say anything.When I opened that envelope it was the exact amount I told my mother & husband I would need to start my business!Jesus is Real! He is alive and well and if you just open your heart to Him, He will fulfill it! I am a witness of His hand touching me.
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In my research, one of the errors with student loans is duplicated loans. Years ago, prior to the wake of Identify Theft, most of the student loan ACCOUNT numbers were with your social security number.Let me give you an example. Let's say you opened an account in 2000. Your account number was your social security number. Therefore, whenever you applied for CREDIT, your social security number was on you credit report with the SS#.Around 2004, Sallie Mae and others decided to protect YOU, and changed all your ACCOUNT numbers to a NEW ACCOUNT NUMBER. When this change happened, you ended up with the old account (SS#) and then a new account. Thus, having two accounts reporting on your file. In reality, you should have ONE loan.How does a duplicated account affect you? Well, the FICO SCORE, takes into consideration the # of installment acccounts, when it pulls your score.Take a look even further. Lets say you have four loans, Well, now you have EIGHT showing on your file, when it should only be four.How does this affect your ability to apply and get approved for a loan. Well, if your payment amount(DEBT) is $100.00 dollars a month on ONE loan. It would reflect that you are paying $200.00 dollars a month. This means not only is the duplicate account wrong but you DEBT RATIO is wrong.When your DEBT RATIO IS WRONG. Your appear to be in alot of DEBT, when you really are not.DEBT RATION IS CRITICAL WHEN BUYING A HOUSE, BECAUSE YOU HAVE TO BE IN A CERTAIN PERCENT. THIS ONE ERROR COULD MEAN THE DIFFERENCE IN YOUR APPROVAL FOR THAT HOUSE.IT COULD ALSO MEAN THAT IF YOU GET APPROVED FOR THE LOAN, YOU MAY BE PLACED IN A HIGHER RISK LOAN (HIGH INTEREST) COSTING YOU THOUSANDING OF DOLLARS.If you want to continue reading the rest of the blog you will find it @ www.creditadviseforyou.ning.com or join below. Visit Outspoken Reality Social Network (EDUCATION ON A NEW LEVEL) Read more…
After intensive research, my company has finally decided to offer this service to those of you that think, it's to expensive.Through a third party hosting company, we will help you host your meeting and conferences via the web with a WEBINAR.Since I am a Corporate/Business Event Planner, this is what I can do for an Entrepreneur, Solo-preneur, Home Base Business, Self-Employed, etc. etc.No long time contract or commitment, a pay as you go service. No monthly bill, a pay as you go service.If you can't afford the high price of Webinar, send us an email, contactus@uniquely40.com or access our website contact page and used the BOOKNOW BUTTON for Free Consultation http://www.uniquely40virtualoffice.com. We're Uniquely40 Business Event Planners.UNIQUELY40, LLC
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Posted by Karen Demmery on April 29, 2009 at 10:01am
well i have finally decided to book my ticket and head to the USA. Im so looking forward to meeting the fabulous woman who i message here on this site. Im hoping that maybe some of us can get together for a coffee or lunch. If you want to know anything about Australia, im the girl to ask.Drop me a msg and let me know if your interested.K
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Since there are so many mistakes that may be on your file, having an old copy can help you years down the road. Why? This is the only way you can prove HOW old a bill really is. If the account was on an old collection 5 or 7 years ago, the account still may be on your file. Did you know that collection companies will still try to COLLECT, pass the seven year law that allows certain accounts to be on you file?Have you received calls from a bill collector for a bill that happen years ago? Or do you receive mail from an old bill that happen years ago? Why are they still trying to collect? Well, they want you to pay what you may owe.They key here is knowing the reporting laws. Why pay an account that is not suppose to be on your FILE?The information above is for collection accounts NOT judgements, liens, etc. The laws are different for these type of accounts. However, you want to KNOW how long any account is suppose to report to your file.Always know the DATE OF LAST ACTIVITY ON ALL YOUR BAD ACCOUNTS. This is the date that starts the seven year or ten year reporting rule.Good luck, and I hope this helped you out. Don't forget to educate someone else and try this site (www.creditadviseforyou.ning.com) with others so they can READ and be empowered.
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The world is in a state of distress. People are worried about rising energy costs, housing slumps, recessions, depressions, storms… and the list goes on and on. But we, as the Body of Christ, are a light to this dark world and the peace of God that we abide in speaks volumes to those around us.Don’t forget Where you abide and in Whom you abide (read Psalm 91). Let your light shine in this dark world and boldly proclaim Jesus as Lord. Be a beacon of hope to draw others to the Kingdom of God and the liberty that we enjoy in Christ! Turn the light on!How do you encourage yourselves and others?You can read and comment on more posts here: My Life as a Divine Image.
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One of the biggest frustrations in internet marketing is that you have to sell thousands of $10-$20 ebooks each year in order to make a full-time living online. The logistics can be pretty daunting.There are a few ways to get over this hurdle.1. Reach more people. (Get more customers.)2. Write more ebooks. (Offer more low end products.)3. Offer a higher-end product or service that your existing customers can pay more for. (Charge more for... something.)Many people flinch at the third option. The thought of putting together a huge course or a big DVD package that they can sell for $100 or more sounds like a ton of work.However, in Jimmy D. Brown's usual way, he's found a way to help marketers earn more with their EXISTING business. That's the part that I love about this. It doesn't even entail setting up a new website. You can just add this to your current business and multiply your income immediately.what is it?Coaching. Personal one-on-one e-coaching.Jimmy's been doing this for years. And, every time he offers coaching, it sells out.Unfortunately, he found that offering email coaching can have a few problems. The main one is, of couse, email deliverability. It's obviously a problem if you offer e-coaching and then don't receive emails from your customer.So, Jimmy hired a software engineer and had him design a simple online interface so that he could communicate privately with his coaching clients inside this software. He's been making improvements to that same script, and now he's making it available for purchase.The first thing you'll want to do is check out the software http://infoprofitshare.com/go.php?offer=fmpollins&pid=12At the site, you'll see all of the features and even be able to even read the user manual before buying.If you've been thinking of adding a high-ticket item to your sales process or offering e-coaching, it just got easy.Best wishes,Frantonia PollinsWealth & Success Coach
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BLACK BUSINESS BUILDERS CLUB ANNOUNCES IT UPCOMING APPEARANCE IN BLACK ENTERPRISE MAGAZINE
The June, 2009 issue of Black Enterprise Magazine will feature a one-third page advertisement promoting the Black Business Builders Club -- an online organization created to promote Black business awareness through networking, entrepreneurial training, education and cooperative economics.The ad is one of many projects initiated by the independent Black Business Builders Worldwide Advertising Cooperative (BBBW1) which is bringing together members of the Black Business Builders Club to buy shares for the advertisement in the upcoming June issue.The Black Business Builders Club is brainchild of Lee Green, chairman of the National Black Business Trade Association (NBBTA). Established in 1993, the NBBTA’s stated mission is to “uplift, inspire, educate, empower and promote the benefits of Black business ownership and entrepreneurship to consumers, businesses, foreign entities and governments worldwide.”After the 2007 launching of Black Business Space, a successful social network targeting entrepreneurs and consumers, Green established the Black Business Builders Club in March, 2008, to continue his life’s work of promoting Black business awareness, as well as offer a funding program which pays members for sharing information about the organization’s mission and benefits.The Black Business Club members who are coming together as BBBW1 have developed this latest initiative with Black Enterprise Magazine because it “maximizes our ability to reach a very large national market targeting our business niche.”.
So how scared should we be?That depends on whom you ask. Officials at the CDC and the WHO have emphasized that while the swine flu situation is serious, they're responding with an abundance of precautions. Even Osterholm, who has been highly critical of the U.S. government's long-term failures to better prepare for a pandemic, gives the CDC a 9 out of 10 for its response so far. Outside of Mexico, the swine flu hasn't looked too serious yet - unlike during the SARS outbreaks of 2003, when an entirely new virus with no obvious treatment took the world by surprise. In the U.S., the normal flu season is winding down, which should make it easier for public-health officials to pick out swine flu cases from run-of-the-mill respiratory disease. And there are simple things that people can do to protect themselves, like practicing better hygiene (wash hands frequently and cover mouth and nose when sneezing) and staying away from public places or traveling if they feel sick. "There's a role for everyone to play when an outbreak is ongoing," said Besser.But the truth is that every outbreak is unpredictable, and there's a lot we don't know yet about the new swine flu. There hasn't been a flu pandemic for more than a generation, and there hasn't been a truly virulent pandemic since long before the arrival of mass air transit. We're in terra incognito here. Panic would be counterproductive - especially if it results in knee-jerk reactions like closing international borders, which would only complicate the public-health response. But neither should we downplay our very real vulnerabilities. As Napolitano put it: "This will be a marathon, not a sprint." Be prepared, be informed, do research on your options. Nanosilver and MMS has documented evidence against many viral illnesses. You can even go to youtube and type in MMS.********FIGHT THE SWINE FLU********* YOU HAVE OPTIONS
Greetings Family,(Contact Information At The Bottom Of The Page)It's your friendly neighborhood "Digital Drummer" again...smileThe Black Agenda Report (www. blackagendareport.com) has a good article on the decline of Black radio. Managing editor, Bruce Dixon points out how the corporatization of Black radio has silenced the voice of the Black community.When the Tom Joyner Morning Show was pulled first from Chicago, and then from other markets early this month, Joyner counseled listeners that "...black radio will never be what it once was, and there is absolutely nothing we can do about it."This message of powerlessness and permanent defeat, of resignation to someone else, owning and controlling the black conversation, may be all we can expect from Joyner and the rest of the black elite.But is it the real answer? Does it even address the crucial question of how we might have and own, our own black civic conversation? Dixon goes on to say; Community and democracy demand a steady diet of news to fuel civic engagement and public conversation in the public interest.As the Black Agenda Report, pointed out all of six years ago in 'Who Killed Black Radio News,” the owners of commercial black media have for a generation enforced a no-news policy, justifying it with the unsupportable claim that all black people want is to be entertained."The fact is that news is less profitable than 100% entertainment. PR firms and the celebrity industries provide their own “news” releases complete with commercial tie-ins, and already segmented to the age and income divided groups that marketers love. Black radio owners decided not to do news because corporate media has consciously decided not to recognize African Americans as a people or a polity with our own set of collective experience and political will.In a media regime that lives and dies by advertising alone, black commercial radio will only recognize black communities as marketing contraptions, as audience segments whose ears and eyeballs it can deliver to sponsors. The owners and managers of commercial black radio and TV are not the least concerned about our past or future, our housing or health care crises, the black imprisonment rate or the digital divide or the education of our young or the dignified security of our elderly.To them we are just a market, passive consumers to be sliced and diced according to marketing industry guidelines. A hip hop station, an oldies station, an easy listening urban station, a gospel station, all under the same ownership with no news on any of them, forever and ever, amen.If this is what Joyner meant, and we think it was, when he described the current state of black commercial radio, he was right. Except the “forever' part. Except when he told fans '...there's absolutely nothing we can do about it.”I recommend that anyone interested, or involved in, Black media read the full story to digest Bruce Dixon’s solutions and suggestions for the survival of Black radio (see http://www.blackagendareport.com/?q=content/tom-joyner-steve-harvey-tavis-smiley-and-impoverishment-black-media)Remember, We Must Share The Knowledge (Network)….To Share The Dollars!***************(Advertisement)*********************Need some great ideas for corporate or personal gift-giving?Then go to City Lights Software(http://www.citylightssoftware.com)and see some of the most unique afrocentric gifts available online!We Deliver ONLINE - Direct To Your Desktop for just $14.95Please take the time to purchase one our afrocentric screen savers TODAY!Don't Just Talk the Talk...Let Your Dollars Walk the WalkIf you have any problems with purchasing online contact me direct at sales@citylightssoftware.comor call (213) 944-4176***************************************************This Online Journal was brought to you by InterServe Networks. Feel Free To Forward To Your Network Of Online FriendsWe Practice Responsible E-Commerce Marketing and Privacy Policies. We do not indulge in or encourage Spamming. We never send unsolicited emails. You are receiving this message as part of our opt-in subscriber mailing list or you are a member of an affiliated newsgroup.For comments or suggestions please contact us at the following;Jim Neusom (jneusom@yahoo.com)Executive Director/PublisherInterServe Networks/City Lights Software, Inc.www.citylightssoftware.comwww.myspace.com/jimneusomwww.myspace.com/freshfaces2uTo subscribe to our opt-in mailing list simply send an email to; The_City_Lights_Reporter-subscribe@yahoogroups.com( on Myspace go to http://blog.myspace.com/jimneusom)
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