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With Algonquin facing a $6.7 million shortfall, the college is doing everything it can to mitigate the financial shortfall. One of the strategic investments by the college that has received the most scrutiny is the satellite campuses in Kuwait, and Jazan, Saudi Arabia. Algonquin’s Kuwait campus has a very low level of financial risk according to Doug Wotherspoon, vice president international, communications and strategic priorities. But, much like the Kuwait campus, Algonquin was not on the hook for much in terms of start-up costs.
Ultimately, Wotherspoon is confident Algonquin’s investment in the Middle East will benefit the college in the long-run. About UsMG3 developer group is a team with a high degree of expertise targeting select real estate investments. My topic for the day was "Unleash the 95%"; the title referring to the requirement that foundations annually distribute 5% of their assets.
We know that they are coming (the bear markets, or the MRI), and we try to prepare ourselves for them, psychologically. The problem isn't in our risk tolerance, per se, but in misunderstanding what volatility we CAN tolerate.
When an investor knows that their potential downside is -X dollars, in exchange for possible upside of +2X dollars, they can decide how painful "X" will be, in real money.
Then, the investment allocation becomes a series of educated decisions, and trade offs, based on decades of history and interrelationships between asset types.
In summary: It's far less scary when an investor knows, with 95% confidence, the range of possible outcomes for their diversified portfolio. Today, Sadler is the President and Chief Investment Officer of Boardwalk Capital Management, an independent Registered Investment Advisory Firm specializing in sustainable and responsible investing. A few lines Sadler has drawn for Boardwalk Management are with tobacco companies and with large tech companies with reputations of environmental and social degradation. Sadler pursued the B Corp Certification for Boardwalk Capital Management as a way to help solidify their mission and to keep them accountable to making the hard decisions.
This week, Mario Draghi, European Central Bank (ECB) President, gave one of the strongest signals yet that this policy is no longer the driving force in Europe, saying that the central bank is ready to "step up the pressure" and expand its stimulus programs if inflation fails to show signs of quickly returning to the ECB's target. Twelve years later, 10 percent of his wealth is in so-called impact investments — those made in companies, organizations and funds with the intention of generating a measurable, beneficial social and environmental impact. While these investors are also seeking a financial return, the kinds of private investments Mr. But interest in impact investing, which has been around for more than a decade, is growing and changing. And HIP Investor, which rates companies and municipal bonds on their societal impact, has started rating company 401(k) plans based on the sustainability ratings of their underlying investments. Such enthusiasm about an investment approach that has no accepted benchmark and, for the most part, still requires large minimums and long holding periods might seem frothy. But the problems the impact investments are trying to address, like clean drinking water or health concerns, are real to anyone following the Ebola outbreak in western Africa. The second rule is to find a guide, often in the form of an adviser similarly interested in impact investing. And that leads to the need to be expansive in the way people, particularly those with less wealth, assess impact investments. While the companies and municipal bond issues are rated for obvious metrics, like carbon usage and water efficiency, they are also screened for criteria like employee turnover, chief executive pay, board diversity and legal issues. He said they had achieved growth through traditional investments in stocks and bonds but also through tailored exchange-traded funds, like one focused on investing in water.
Bonds are typically reserved for stable, mature industries (railroad and water infrastructure, for example) that are guaranteed to turn around a return for whoever buys them. On November 18, nearly 100 local business professionals, consultants and sustainability experts met in Midtown Atlanta, Georgia for the Second Annual Sustainability Interactive! According to Algonquin, both are well-positioned to bring in extra revenue for the college. The college set up a limited liability corporation in Saudi Arabia— Algonquin College Coporation Saudi Arabia— to run the day-today operations of the campus. This month, we added a new tool called Riskalyze to better profile our clients' psychology around bear markets, and specifically around possible DOLLAR losses.
And, thanks to the magic of modern technology, we can even help you to connect this assessment to your current investments, wherever they are.


It's more comforting to know, ahead of time, that their portfolio is aligned with their risk tolerance.
Keller got the idea of starting a family foundation and wondered if he could do more good by putting some of the foundation’s money in investments that would have a positive social impact. According to the Forum for Sustainable and Responsible Investment, some $3.74 trillion, or 11 percent, of total United States assets under management were placed in sustainable investments in 2012. Last year, Morgan Stanley started the Institute for Sustainable Investing with a goal of having $10 billion in client assets invested for social and environmental impact within five years.
Rouen, who lives in Hawaii, it helped to define how her investment and life views were going to mesh. To some investors, the company sells calorie-laden sugary drinks around the world; to others it is a company that understands the need for clean water and is working to protect water sources.
By these measures, Novo Nordisk, the pharmaceutical company, ranks high, while Berkshire Hathaway, Warren Buffett’s investment vehicle, ranks low as much for some of its holdings as its hands-off approach to managing the companies it owns stakes in. They vary depending on how an investor defines the impact investments, from screening out certain companies all the way up to making direct investments in cutting-edge companies. One important factor behind the investment decline, Liebreich said, is the falling cost of renewable energy installations, meaning investors get more bang for fewer bucks.
Bank of America’s head of global capital markets, Lisa Carnoy, told Climate Desk the biggest shift in 2014 is likely to be in the market for so-called green bonds. Investments and companies whose value is based on holdings of fossil fuel reserves could find the rug pulled out from under them if those reserves become worthless following a drop in demand as renewables become more widespread and more countries adopt a price on carbon. We really do want to have different objectives that go beyond just making money for ourselves but include changing the world too,” explains Sadler. Keller said he felt that he probably missed some investments by being overly cautious, but at the same time he had no regrets and his portfolios continued to perform well.
Paul Herman, chief executive of HIP Investor Ratings and president of HIP Investor, said his firm recently began assessing 401(k) plans for their sustainability ratings.
There could be as much as $7 trillion worth of fossil fuels that will need to stay in the ground; the Ceres report estimates that stranded assets could account for 10 percent of overall investor portfolio risk over the next 20 years. Low borrowing costs, energy price declines, and weak labor markets mean that the wind is at the back of US corporate earnings right now. Tengzhi National Forest Recreation Area, at an altitude of between 1,500 and 1,804 meters, encompasses a 400-hectare primeval broad-leaf forest and a 300-hectare reforested area. Yet it was only in the last year and a half that she felt comfortable enough with the investment products to begin putting her own money into them. That could be bad news for, say, pension funds that rely on steady investment returns to cut checks to retired government employees. His investors aren't always so patient, but he has undeniably built his funds' relative outperformance by waiting patiently for bubblse to pop (as they did in 2000 and 2008). Anne Simpson, a senior director of the California state pension fund, said that 70 cents of every dollar in the fund comes from investment returns. The area was devastated by Typhoon Morakot in 2008; as a result, the river is not currently open for whitewater rafting.
UPON LEAVING COLLEGE, I RELOCATED TO OKLAHOMA CITY, OKLAHOMA WHERE I WORKED FOR HERTZ DATA CENTER CORPORATION AND LIBERTY NATIONAL. It provides a home for a wide variety of native plants and birds, as well as the protected Formosan rock-monkey. MOREOVER, WHAT I CONSIDEREDRIGHT FOR ME DURING THAT TIME WAS NOT OPEN FORDISCUSSION OR JUSTIFICATION.
ULTIMATELY, MY MAXIM WOULD PROVE TO BE BLAMEWORTHY FOR I BROKE THAT VOW, NAY, MANY OTHERS WHILE LIVING A DOUBLE LIFE: PROFESSING TO BE ONE THING (STRAIGHT)DURING THE DAY AND ENGAGING IN THE OPPOSITE (GAY) DURING THE NIGHT. CONSEQUENTLY, MY IDENTITY WITHIN THE STRUCTURE OFOUR BROKEN FAMILYWAS FOREVER CHANGED AND, SUDDENLY, THINGS WENT FROMBAD TO WORSE ECONOMICALLY AND STRUCTURALLY. I HAD ALWAYSLOOKED FORWARD TO GOING AWAY TOCOLLEGE BUTNOT FOR THERIGHT REASONS; MY PASSIONS HAD THE BETTER OF ME AND I SIMPLY COULD NOT MAKE SENSE OF THEM. JOSEPH'S COLLEGE IN RENSSELAER, INDIANA UPON GRADUATING HIGH SCHOOL.I CAN VIVIDLY REMEMBER DREAMING THROUGHOUT MY ADOLESCENCE FOR THE OPPORTUNITY TO ATTEND INDIANA UNIVERSITY AT BLOOMINGTON. MY DUBIOUS PLAN WAS TO, FOR THE FIRST TIME IN MY LIFE, LIVE MY OWN LIFE BY DOINGWHATEVER AND BECOMING WHOMEVER I CHOSE, WITHOUT FEAR OF RETRIBUTION. BUT FOR MY GOOD LOOKS AND SENSE OF HUMOR, I WOULD HAVE HAD A MUCH MORE DIFFICULT TIME ATMAKING FRIENDS, AND LOVERS. IN ADDITION TO ATTENDING COLLEGE WITH SEVERAL OF MY CLASSMATES FROM HAMMOND HIGH, I MANAGED TO ATTEND MANY INTEGRITY MEETINGS AND LAMBDA PARTIES OFF CAMPUS,AFTER HOURS. I CAME TOIDENTIFY AND BECOME ACCEPTEDAMONG THE PREPPY INDIVIDUALS THE MOST; PURELY FORAESTHETICAL REASONS.


HOWEVER, AFTER A FEW YEARS, EVEN ON A CAMPUS OF MORE THAN 40,000 STUDENTS, MY WORLDSBEGAN TO OVERLAP, AND ULTIMATELY COLLIDE: I WAS ABOUT TO BE OUTED ONE WAY OR ANOTHER. I CAN REMEMBER ONE SUMMER DAY I WAS WORKING AT THE COLLEGE MALL, FOR SEARS PARTS AND SERVICE, AND ONE OF MY FRIENDS SHOWED UP ON MY JOB WITH A DOZEN ROSES IN RECOGNITION OF MY BIRTHDAY.
BUT CLEARLY, NO EXPERIENCE WAS STRONG ENOUGH TO SATISFY MY INSATIABLE DESIRE FOR SALVATION. WHAT I'VE DESCRIBED BEFORE YOU ISAN EXAMPLE FORM OF AMORAL DILEMMA:TWO SITUATIONS, EQUALLY IMPORTANT IN VALUE, BUT ONLY ONE CHOICE WILLSUFFICE.
TO BE CERTAIN, THE NEGROES WERE THE HUMAN CHATTEL, PROPERTY, AND SUBJUGATED POPULOUSTHAT AMASSED THE FORTUNES AND WEALTH OF MANY KINGDOMS. DU BOIS, WHOM I CONSIDER TO BE THE GREATEST PROLIFIC BLACK SCHOLAR IN OUR NATION'S HISTORY, "FOR GENERATIONS THE POWERS THAT BE HAVE BEEN REARED AND TRAINED UNDER THE INDIVIDUALISTIC PHILOSPHY OF THE DECLARATION OF INDEPENDENCE AND THE LAISSEZ-FAIRE PHILOSOPHY OF ADAM SMITH AND, WHAT'S MORE, THEY ARE LOATH TO SEE AND LOATH TO ACKNOWLEDGE THIS PATENT FACT OF HUMAN HISTORY." INDEED, ONE WOULD ONLY NEED TO LOOK AT THE MANY CONGLOMERATIVE PRIVATE FINANCIAL INVESTORS AND INVESTMENTS THAT ARE COMMERCIALLYENACTED UNDER THE GUISE OF CORPORATIONS AND VARIOUSOTHER BUREAUCRATIC STRUCTURES OF SOCIAL INEQUALITY.
THERE ARE NO POSSIBILITIES OF MAINTAININGBOTH YOUR SOUL AND THAT WHICH YOU DESIRE MOST IN LIFE: FAME, FORTUNE, SEX, WOMEN, MEN, IDOLS, MONEY, CARS, DRUGS, ETC.
MAINLY, BECAUSE IFELT I WAS A GOOD PERSONWITH A GOOD HEART AND ALSO I CONSIDERED MYSELF TO BEA KIND PERSON, FOR THE MOST PART. MOREOVER, IREFUSED TO BELIEVE THAT GOD WOULD ONLY PERMIT ONE WAY TO HEAVEN FORSUCH DOGMA SEEMED IRRATIONALAND UNSEEMLYAND THUS, I CONSIDERED SUCH DOCTRINE TANTAMOUNT TO THAT WHICH DEFIES EVERYLAW IN THE UNIVERSE:IT JUST DIDN'T ADD UP!
FORIT IS A GIVEN THAT ALLHUMANS ARE CREATED AS RATIONAL BEINGSAND THUS, ABLE TO USE REASON AND UNDERSTANDING AS METHODS OF INSTRUCTION.THEREFORE, WE ARE ABLE TO DECIDE BETWEEN WHAT IS RIGHT AND WHAT IS WRONG GIVEN THE APPROPRIATE AMOUNT OF INFORMATION OR KNOWLEDGE TO HELP US MAKE A RATIONAL DECISION OR, IN OTHER WORDS, A DECISION THAT IS AGREEABLE TO REASON, OR ONE THAT MAKES SENSE. FOR EXAMPLE, IF YOU WERE BORN DURING AN ERA WHEN IT WASN'T COOL TO BE BLACK, GAY, OR EVEN A WOMEN THENIT WOULD BE PERFECTLY LOGICALTO SAY THAT SUCH A LIFE WOULD NOT BE GOVERNEDBY OR ACCORDING TO REASON.
I AM HAPPY TO SHARE WITH YOU THAT GOD DOES NOT WANT YOU TO PERISH FOR SOMETHING YOU DO NOTKNOW!
IT IS THIS SAME AFFLICTED STATE OF CONSCIOUSNESS THAT ALL OF HUMANITY (INCLUDING YOU AND I)ARE BORN INTO AND THAT IS BASICALLY WHAT IS DESCRIBED AS BEING BORN IN SIN.THEREFORE, WE AREBORN INTO A PHYSICAL STATE OF EXISTENCE THAT IS CONTRARY TO WHAT WEWERE CREATED FOR.
AS WELL, I WOULD LIKE TOREFLECT, FOR A MOMENT, ON THE POSSIBILITY OF WHAT LIFE WOULD HAVE BEEN LIKE FOR ADAM, EVE, AND THEIR OFFSPRING HAD THEY NOT BEEN DEBAUCHED.WE KNOW FROM THE THIRD CHAPTERINTHE BOOK OF GENESIS THAT THEY WERE NO LONGER ALLOWED TO EAT OFTHE SPIRITUAL FOOD PROVIDEDIN THE GARDEN OF EDEN. CLEARLY, THERE WERE CERTAIN FOODS BLESSED BY GOD AND CERTAIN FOODS THAT WERE NOTIN THEIR BEST INTERESTAND THUS, NOT BLESSED BY GOD.THEREFORE, WE CAN SURMIZE THAT THE FOOD THAT GOD PROVIDED FOR THEM TO EAT PROTECTED THEIR HEALTH. IN THE SAME VEIN, WE CAN ALSO DETERMINE THAT BECAUSE THEY HAD NO NEED FOR CLOTHES THEY WERE NOT SUBJECTED TO ANY ENVIRONMENTAL DISASTERS SUCH AS TORNADOES, EARTHQUAKES, FLOODS,STORMS, ETC. CONTRARILY, FOR THE PAST TWO- THOUSAND YEARS GOD'S GRACE HAS NOT BEEN RESPECTIVE OF ANY ONE GROUP OR CLASS OF PEOPLE EITHER AND THAT'S WHAT MAKES HIS LOVE FOR USSO MAGNIFICENT.
GOD IS UNIVERSALLY PROFESSED IN EVERY FORM OF CIVILIZATION THROUGH SOME TYPE OF RITUAL OR BELIEF SYSTEM. I MEAN PEOPLE WILL DO PRACTICALLY ANYTHING IN THE NAME OF GOD WHETHER IT'S COMMITTING ACTS OF MURDER OR STANDING UP FOR WHAT THEIR RIGHTS AND BELIEFS (BIRTH CONTROL, SAME-SEX MARRIAGE, AND HOMOSEXUALITY).
AND AS I HAVE DISCLOSED MANY TIMES BEFORE, I SPEAK FOR MYSELF FIRST, WHEN I SAY THAT I USED GOD TO DEFEND MY LIFESTYLE AND MY SEXUALPROCLIVITIES. NONETHELESS, I'D LIKE TO EXPLORE SUCH AN ANOMALY,BRIEFLY, AS AN ATTEMPTTO FURTHER REVEAL THE SEVERITY OF GOD'S PLAN AND PURPOSE FOR REDEEMING MANKIND TO HIMSELF ONCE AGAIN.YOU SEE, JUST LIKE IN THE GARDEN OF EDEN, GOD HAS MADE IT POSSIBLE TODAYFOR EVERYONE (AND NOT JUST SOME)TO COMMUNICATE WITH HIM WITHOUT FEAR OF RETRIBUTION.
SIMPLY PUT, WHAT WAS CONSIDERED THE NORM IN THE OLD TESTAMENT NO LONGER APPLIES TO US TODAY AND, IN CASE YOU HAVEN'T BEEN TOLD, IT'S BEEN THAT WAY FOR THE PAST TWO-THOUSAND YEARS!
AS WE HAVE EXAMINED IN THE AFOREMENTIONED TEXT, DEATH HAD ALREADY CONQUEREDIN THE GARDEN OF EDEN AND, CONSEQUENTLY, FORCED MAN TO BE CAST AWAY FROM THE PROTECTION AND PRESENCE OF GOD. HE LOVES YOU AND HE WANTS WHAT IS BEST FOR YOU AND THE PLANS THAT HE IS WAITING TO REVEAL TO YOU ARE NOT TO HARM YOU AT ALL.
I ADMIT THAT I USED TO BE ONE OF THOSE PEOPLE AND IF IT HADNOT BEEN FOR THEINCORRUPTIBLE,UNDENIABLEWORD OF GOD, I WOULD HAVE DIED AS ONE OF THOSE PEOPLE; UNSAVED AND THUS, RESIGNED TO HELL FOR ALL ETERNITY. MOREOVER, IT HAS BEEN MY EXPERIENCE THAT THERE AREN'T ENOUGH SINNERS SAVED BY GRACE WHO ARE FORTHRIGHT AND WILLING TO NOT BE ASHAMED TO STAND UP AND TELL SINNERS HOW THEY CAME TO RECEIVE GOD'S GRACE. THIS IS WHY IT IS MY FERVENT PRAYERTHAT YOU TAKE ADVANTAGE OF THISOPPORTUNITY TO LEARN OF GOD'S GOODNESS AND HIS GRACE, MERCY, AND THEREDEMPTIVE BLOOD OF HIS SON, JESUS CHRIST, THAT WAS SHED FOR SOMEONE LIKE YOU TOO!
BUT I WANT YOU TO KNOW THAT YOU HAVE DONE NOTHING WRONG !GOD CARES FOR YOU AND HE IS GENUINELY CONCERNED ABOUT WHAT YOU ARE GOING THROUGH! WELL, IT'S TRUE AND I KNOW FROM EXPERIENCE THAT WHAT HE'S DONE FOR ME HE IS WAITING TO DO FOR YOU. OF COURSE, NOT EVERY ONE IS MEANT TO RECEIVE EVERYTHING AT THE SAME TIME SO, IF YOU DO NOT GRASP SOMETHING AT FIRST GLANCE, DO NOT WORRY THERE WILL BE PLENTY OF ROOM FOR REVIEW. TAKE MY YOKE UPON YOU, AND LEARN OF ME,FOR I AM MEEK AND LOWLY IN HEART: ANDYE SHALL FIND REST UNTO YOUR SOULS.



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