text:
The problem is …
how on earth is
ANYONE EVER going
to be able to save
enough money
to survive financially
for that length of time
if super funds just
continue to
KEEP DOING what
they've been doing
for the last 20 years?
No matter whether you're just starting your working life, on your way to retirement, or soon to retire …
The purpose of this web site is to stimulate thought about long-term saving and to attempt to take away some of the confusion and smoke-and-mirrors that the superannuation fund industry creates.
Rather than go into your 'too-hard-I'll-let-someone-else-worry-about-it' basket, hopefully it will bring to your attention that your financial security is your own responsibility.
Information provided here will illustrate just some of the very expensive pitfalls you could fall in to if you leave your financial future in the hands of someone else.
After reading the contents of just this page you might begin to suspect, maybe, your Superannuation planning needs an overhaul.
Possibly you'll create a completely different attitude towards the way you save for YOUR financial security from now on.
You may even decide to do it yourself.
If that happens, then the effort to create this web site has been justified.
Despite ALL the evidence to the contrary …
Workers ALLOW themselves to believe that all they need to do to adequately fund their retirement is to just pay 9%, (increasing to 12% over the next few years), out of their income into 'super' and they'll somehow – almost magically – accumulate enough money to be able to retire comfortably for an average of 20 years.
And that's RUBBISH …!
Super funds like to give the impression that all a person has to do is sign up with them, pay their compulsory contributions into their fund and when they retire they'll live in financial comfort, if not luxury.
The truth is …
How on earth do people think they're going to fund for 20 years-worth of retirement by saving just 9% (or even 12%), of their income – even if the return on their money actually keeps up with inflation, which it may not.
A simple calculation … let's assume …
* the tax department didn't
tax your super contributions
by 15%
* the tax department didn't
tax any income your fund
generates by another 15%.
* your fund's balance
NEVER goes backwards
* your funds earnings
ALWAYS at least keep
up with inflation,
(even if the fund's
own literature says
it probably won't).
Now, the government
KNOWS this.
Blind Freddie knows this.
But no-one's telling you.
You have to ask
the question – why?
WHY why is
superannuation compulsory?
Wouldn't a person be
better off paying off
their mortgage
or something?
Let's face it, 'traditional' savings accounts – if you've got enough money to have one – pay little or no interest at all. (And whatever little you DO get is TAXED).
Just take a bit longer look at you annual statements – is your super REALLY showing you much of a return of late?
Now, it turns out that generally people, as they start to get closer to retirement, begin to realise this – and to compensate, they think to save more they should just contribute more … and that will solve their problem.
But it probably won't – because, by the time they've come to the realisation they won't have enough to retire on, it's generally too late.
Why are superannuation funds that are managed by a third-party such an issue?
Why should you consider NOT being in one.
Now, there's lots of people who are happy to have an occasional 'flutter' down at the casino or the races.
But most of them would draw the line at gambling their retirement/life savings on the stock market or sending money off to investments run by people they don't know and haven't even met.
But, if you think about it, that's EXACTLY what they do when they arbitrarily send, or let their employer send THEIR RETIREMENT SAVINGS off to a 'managed' retirement plan.
From the time your money transfers from your account or your salary into your fund managers account you lose all control over what happens to it.
That wouldn't be so bad if superannuation was an effective and efficient long-term savings vehicle.
Time and time again, there have been horror stories of people who went to collect their super when they retired, only to find there was little left in their pot – especially after some kind of 'crash' that occurred.
Have you EVER met a person who retired with substantially MORE than they expected?
And how much MORE could there have been if unnecessary fees and charges, (and maybe tax too), had been avoided while they was saving it.
Is anything, ever,
going to change?
Probably not.
why …?
Possibly the $20 BILLION a year in fees the Superannuation industry skims off 'contributions' might be a bit of an incentive for it to keep things going the way they are.
But there's another reason …
The Australian government CANNOT 'collect' superannuation contributions from people itself it NEEDS the superannuation industry to thrive in order that it keeps collecting the contributions that it taxes.
(So,don't hold your breath and wait for any government to step in any day soon and make any changes).
Also – the superannuation 'industry' NEEDS to keep 'talking 'up' the market to give the impression that to keep investing in it is a good thing so people will be content to keep feeding it with their 'contributions'.
… despite the fact it's based on a financial situation that was around during the 1990's. – something that no longer has any relevance.
Since then … the whole world's financial situation has changed, not just financially.
Right now, the USA, UK, China, Japan, Europe … and many other major economies … are in economic turmoil.
And funds that superannuation is invested in haven't made much, if any, adjustments to the way they operate to accommodate this.
And, as for Australia …
Australia's mining 'boom' seems to be over for the foreseeable future.
Even 'traditional' Australian industries, (like the car industry), are closing down completely with significant lay-offs in other industries becoming a more common occurrence.
Retail businesses, shops, department stores, supermarkets are finding it more and more difficult to post profits.
More and more traditionally Australian industries are being targeted by China either by direct competition or complete takeover.
Why is this important to you …?
One of the astonishing things
about the information
on this web page is that
none of it is new.
The media has been telling
it to people for YEARS.
But no-one appears to be
listening, (until they retire).
Quote from article
"Compulsory superannuation
is one of the biggest con jobs
ever foisted by government
on the Australian people,"
a young Tony Abbott
told parliament
in September 1995
Are you blindly making your compulsory 'contributions' into a super fund with the notion it's going to provide you with a long, (potentially 20 YEARS), financially 'comfortable' retirement?
Maybe it will – but probably NOT if, like MOST people who send money 'off' super, you're relying on others to 'do it' for you.
It could be you're more likely to end up like many working Australians, who are now approaching retirement and who are becoming aware, too late, that their super fund has 'let them down' and that their 'super nest-egg' will be TOTALLY INADEQUATE to support them for more than just a few years after they retire … despite the fact they've been making 'contributions' into 'super' for much of their working lives.
Because they ignored the fairly regular warnings they've been getting over at least the last 20 years, (from every CRASH that's occurred), that their savings have NEVER been safe and it's only a MATTER OF TIME before they DISAPPEAR AGAIN.
Maybe they assume that by some kind of magic while 'crashes' might affect OTHER people somehow, in THEIR case, everything's going to be 'all right' for THEM when they retire.
But how will it possibly be 'all right'?
Let's face it … for the average worker Superannuation in Australia been a complete stuff-up ever since it's inception in the 1990's.
e.g. many super fund returns didn't even keep up with inflation in the 10 years to June 30th. 2011 while others went 'backwards'!!!
And the future risk of this scenario happening all over again, (possibly MANY times between now and when you retire),hasn't changed.
Who in their right mind would CHOOSE to 'save' for their inevitable retirement in something so volatile and, seemingly, out of control?
Probably, it's 'going' much like everyone else's.
But, that's not going to be much use to you as every indication is that many Australians are going to experience extreme poverty when their totally inadequate 'nest-eggs' are empty just a few years after they retire.
Now, whether you are or not is largely, (entirely), up to you.
The younger you are right now, the more chance you have of securing your financial future.
But don't keep delaying for too long because your time's running out!
Now, whether you are or not is largely, (entirely), up to you.
The younger you are right now, the more chance you have of securing your financial future.
But don't keep delaying for too long because your time's running out!
… if you consider you're not happy about your super – DO something.
Do NOT just submissively send your money off to someone you don't know to do with – heaven knows what with it.
You might be forced to save it … but you DO have OPTIONS what happens to it.
Don't make the mistake of getting close to your retirement before you start taking an interest in your retirement savings plan.
It IS YOUR MONEY.
If you're OK with the way your savings are going,
just keep on doing what you're doing.
If you're NOT,
maybe it's
time for a re-think
about how you could
take a bit more control
over your financial future…


text:
Facultative vs. Treaty Reinsurance: An Overview
Reinsurance companies offer insurance to other insurers, safeguarding against circumstances when the traditional insurer does not have enough money to pay out all of the claims against its written policies.
A reinsurance contract takes place between the reinsurer, or assuming company, and the reinsured, or ceding company. There are two basic forms: reinsurance treaties and facultative reinsurance.
In a traditional insurance arrangement, the risk of loss is spread among many different policyholders, each of whom pays a premium to the insurer in exchange for the insurer's protection against some uncertain potential event. It is a business model that works whenever the sum of received premiums from all members exceeds the amount paid out on insurance claims against the policies. There are times, however, when the amount paid out in claims by the insurer exceeds the sum of money received from policyholder premiums. In such instances, it is the insurer who faces the greatest risk of loss.
This is where reinsurance companies come into play. In effect, a standard insurance provider can spread its own risk of loss even further by entering into a reinsurance contract.
One of the highest-profile reinsurance companies is the Berkshire Hathaway Reinsurance Group, a subsidiary of Berkshire Hathaway Inc. (BRK-A), which offers insurance to other property/casualty insurers and reinsurers.
Key Takeaways
- Both reinsurance treaties and facultative reinsurance are forms of reinsurance.
- Facultative reinsurance is reinsurance for a single risk or a defined package of risks. It occurs whenever the reinsurance company insists on performing its own underwriting for some or all the policies to be reinsured.
- With Treaty reinsurance, the ceding company agrees to cede all risks to the reinsurer, and the reinsurer agrees to cover all risks, even though the reinsurer hasn't performed individual underwriting for each policy.
Facultative Reinsurance
Facultative reinsurance is reinsurance for a single risk or a defined package of risks. It occurs whenever the reinsurance company insists on performing its own underwriting for some or all the policies to be reinsured. Under these agreements, each facultatively underwritten policy is considered a single transaction, not lumped together by class. Such reinsurance contracts are usually less attractive to the ceding company, which may be forced to retain only the riskiest policies.
Facultative reinsurance is usually the simplest way for an insurer to obtain reinsurance protection; these policies are also the easiest to tailor to specific circumstances.
Suppose a standard insurance provider issues a policy on major commercial real estate, such as a large corporate office building. The policy is written for $35 million, meaning the original insurer faces a potential $35 million in liability if the building is badly damaged. But the insurer believes it cannot afford to pay out more than $25 million. So before even agreeing to issue the policy, the insurer must look for facultative reinsurance and try the market until it gets takers for the remaining $10 million. The insurer might get pieces of the $10 million from 10 different reinsurers. But without that, it cannot agree to issue the policy. Once it has the agreement from the companies to cover the $10 million, and is confident it can potentially cover the full amount should a claim come in, it can issue the policy.
Treaty Reinsurance
Treaty reinsurance occurs whenever the ceding company agrees to cede all risks within a specific class of insurance policies to the reinsurance company. In turn, the reinsurance company agrees to indemnify the ceding company of all risks therein, even though the reinsurance company has not performed individual underwriting for each policy. Often, the reinsurance applies even to those policies that have not yet been written, so long as they pertain to the pre-agreed class.
The most important characteristic of a treaty agreement is the lack of individual underwriting on behalf of the assuming insurer. This structure transfers underwriting risks from the ceding company to the assuming company, leaving the assuming company exposed to the possibility that the initial underwriting process did not adequately evaluate the risks to be insured.
There are different kinds of treaty agreements. The most common is called proportional treaties, in which a percentage of the ceding insurer's original policies is reinsured, up to a limit. Any policies written in excess of the limit are not to be covered by the reinsurance treaty.
For example, one reinsurance company might agree to indemnify 75 percent of the original insurer's automobile policies, up to a $100 million limit. This means the ceding company is not indemnified for $25 million of the first $100 million in auto policies written under the agreement; that $25 million is known as the ceding company's "retention limit." If the ceding company writes $200 million worth of automobile insurance, it retains $25 million from the first $100 million and all of the subsequent $100 million, unless it arranges a surplus treaty. Generally speaking, reinsurance policy premiums are lower when retention limits are higher.

subset: commoncrawl


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By: N/A
Price: $9.95
Publisher: Reproduction map of original:
Seller ID: B01
Condition: Black and white map, printed on 18x24†cream-colored paper, folded to approximately 9x12.†Reproduction map of original., Map, Reproduction map of original
Originally produced by Emmanuel Bowen about 1755, our reprint is a fascinating example of 18th century mapmaking. Centered on the Atlantic Ocean, the map shows the eastern coast of North America, from New France to the West Indies. Western Europe and West Africa are also depicted from Ireland to the Slave Coast. Early settlements in North America are identified as well as the usual shipping routes from the Old World to the New. For those interested in pre-Revolutionary America and the early migration routes from Europe this map will be most helpful.Black and white map, printed on 18x24â�... View more info


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Famagusta is the centre of the Famagusta golf in the East of the island and has the nicest sandy beaches in Northern Cyprus. Famagusta has a unique medieval old town inside its Venetian walls, has one of the most best kept Byzantine ruins (Salamis) and is also hometown for the biggest university in Northern Cyprus with more than 14.000 students (EMU).
(Historical) sightseeing requiring entrance fees:
St Barnabas is credited with introducing Christianity to Cyprus together with Apostle Paul. His activities displeased the powerful Jewish community in Salamis and their reaction was to stone him to death. His body was buried in a secret location by his cousin Mark. The story might have ended there but, 400 years later, Barnabas appeared in a dream to the Archbishop of Salamis and revealed the location of his tomb. A monastery was founded on the site of the tomb in the 5th century but the present build dates from 1756. The former monk's cells around the inner courtyard now house an archaeological collection arranged clockwise from the Bronze Age to the Venetian period. The church is now an icon museum although the best ones were stolen many years ago.
Salamis Ruins 1,5h (by special historical / archaeological interest up to 4h)
We visit the excavations of the antique town Salamis, which used to have 150.000 inhabitants and was the capital of Cyprus as far back as 1.100 BC. The Gymnasium, the baths and the amphitheatre with a capacity of 15.000 are preserved from its golden times. The extended excavation area covers the ruins of the St Epiphanus basilica with its wonderful mosaics, the temple of Zeus and the Forum.
The Royal Tombs are a small part of the necropolis of Salamis, which has been excavated and open for public visits. The museum exhibits samples of the grave mounds, which can be viewed outdoor. The tombs, constructed in the 7th and 8th centuries BC were actually built over 500 years after the events of the Trojan War. Many fascinating finds were made such as an ivory-inland throne and bed, plus numerous objects in precious metals and ivory.
Iskele Panagía Theotókos Church 1h
The Panagia Theotokus Church built in the 12th Century was dedicated to St Mary and is a chief masterwork of byzantine architecture and fresco painting art.
The Othello Tower was the last defence post on the town walls and was originally built as a moated citadel in order to protect Famagusta's harbour. The name was given later by the English in connection with Shakespeare's "Othello" theatre play.
Sightseeing without entrance fees:
In the Old Town of Famagusta you visit the gothic formerly Nicklaus's Cathedral, which serves nowadays as Lala Musafa Pascha Mosque. Besides you have the opportunity for nice shopping and tasting the nice sweets of the renowned pastry shop Petek.
Being the biggest weekly market in Northern Cyprus, you find fresh vegetables and fruits, as well as typical Cypriot agricultural products like bread, cheese, honey, carob, etc
The fine sandy beach and the turquoise water directly next to the excavation site of Salamis is a nice opportunity to relax and take in the deep impressions of the historical sightseeing of the ruins.
Petek is a renowned popular pastry for tourists and locals in the heart of Famagusta with a lot of Cypriot specialities like ekmek kadayifi. Do not miss it!
- Bedis Restaurant:
Typical Cypriot Restaurant next to the Salamis ruins. The perfect choice in combination with a swim break.
- Gekko Restaurant:
High standard gastronomy in the Old Town of Famagusta, next to the Lala Mustafa Pascha Mosque.
Tasting of Cypriot traditional specialities:
- Cosy picnic in combination of the Thursday market
St. Barnabas – Ruins of Salamis – Lunch at Bedis – Old Town / Cathedral
St. Barnabas (The icons of the Cypriot orthodox Church)– Ruins of Salamis (Roman Town in Eastern Mediterranean Sea) – Lunch at Gekko– Old Town (Famagusta Churches) – Lala Mustafa Pascha Mosque (Islam in Cyprus)
Thursday Market (description of the typical products of the Island) – St. Barnabas – Picnic with product tasting (at Salamis picnic area) – Excavations of Salamis – Pastry shop Petek (including tasting of the Cypriot sweets) – Free time in the historical centre


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Kingspan Kooltherm® K12 Framing Board is a super high performance, fibre-free rigid thermoset phenolic insulation, faced on both sides with a low emissivity composite foil autohesively bonded to the insulation core during manufacture. This reflective, low emissivity surface improves the thermal resistance of any cavity adjacent to the board. Kingspan Kooltherm® K12 Framing Board is manufactured without the use of CFCs/HCFCs and has zero Ozone Depletion Potential (ODP) and low Global Warming Potential (GWP).
Download Kingspan Kooltherm K12 Framing Board Brochure View file
Download Kingspan Kooltherm Soffit Framing Boards Spec sheet View file


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China's trade and inflation data surprised to the downside in July, likely drive by the government's targeted tightening monetary policy. GDP growth is expected to slow in second half of the year. Yet, given the strong readings in the first half, with the economy expanding +6.9% in both the first and second quarters, GDP growth should be able to meet government's target of "around +6.5%". We believe the government would continue its tightening monetary policy in order to prevent and resolve systematic risks, and to curb excessive strength in property prices. Meanwhile, as ultra accommodative monetary policies across major central banks are coming to an end, with the Fed and BOC raising interest rates, while ECB will begin discussing reduction of asset purchases, it would be detrimental to the renminbi if the central bank pledges to maintain monetary easing. This would exacerbate capital outflow from China.
China's headline CPI surprisingly slipped to +1.4% y/y in July, from +1.5% a month ago. The market had anticipated another +1.5% growth for the month. The disappointment was mainly brought by the -1.1% annual fall in food prices. Looking into the details of food prices, the biggest component of Chinese inflation, fresh vegetable prices, jumping the most in the food basket, gained +9.1% y/y, while pork prices slumped -5.5% for the month. Of non-food inflation, the biggest contributor of headline inflation, the medical and health care price component jumped +5.5% y/y in July. Core CPI stayed at +1.5% for the first seven months of the year, well below the upper bound of the government's target (+3%). Separately, PPI inflation stayed unchanged at +5.5% in July, compared with consensus of a rise to +5.6%.
Trade data
China's trade surplus widened to US$46.74B in July. Exports rose +7.2% and imports were up +11%, compared with +11.3% and +17.2%, respectively, in June. The slowdown in exports growth was already predicted in government's PMI report due on July 30. The manufacturing PMI eased to 51.4 in July from 51.7 a month ago. While the reading also missed consensus of 51.6, it remained the second highest July PMI since 2010. The biggest drop of the components came from new export orders index which slipped -1.1 points to 50.9. The widening gap between new orders index and new export orders signaled that the near-term driver has to be relied on domestic demand. The slowdown in imports growth in the trade report was probably driven by temporary factors such as very hot weather and slower progress in construction and production.
Meanwhile, China's trade surplus with the US narrowed mildly to U$$25.2B from US$25.4B in June. This was probably due to the recent strength of renminbi against US dollar. The renminbifixing rose +1.2% and +0.7% against US dollar in June and July, respectively. This probably affected China's exports to the US.
The broad-based USD weakness over the past months has sent renminbi to a 9-month high. Currently at 6.7075, the USDCNY fixing today has dropped to a level not seen since October last year. While the greenback has stabilized since last week, it remained soft against renminbi. We believe a reason is PBOC's tightening policy. It Various reports signaled that the PBOC has net withdrawn RMB 100B from the markets through open market operations, at which the central bank buy or sell in the market government notes in an attempt to adjust the interest rates slightly. The move came in line with the government's pledge at the fifth National Financial Work Conference (July 14-15) to deleverage, to prevent and resolve systematic risks, and to curb excessive strength in certain asset prices. We expect the tightening measures would affect economic growth, causing slowdown in the second half of the year.


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bottom: eating banana, trying to get a good picture together
Today we visited some friends who had some old baby clothes to give us. We brought them a loaf of banana bread in thanks. It is surprisingly fun to spend time with other people who have a young baby and understand all our first time parent questions and anxieties. We also went to Sam's parents for dinner and Sam got to spend an hour trying to get Oliver to take a nap. Sam also listened to a Red Sox game, so I guess that means baseball season has started. But at least that's another sign of spring.


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The marijuana/hemp plant contains diverse compounds, which are collectively called cannabinoids. The "high" or marijuana effect that we all know about is caused by just one compound – THC, and there is some evidence that claims that marijuana may help patients, because it can reduce pain and inflammation. If you are not interested in the mind-changing aspects of marijuana, CBD oil is the next thing to consider. CBD or cannabidiol is the other compound researchers want to know more about, because studies reveal that it may have a role in fighting diseases like cancer and epilepsy, but more importantly, CBD oil can become the next go-to supplement.
This brings to the question – Are CBD isolate products better than full spectrum oils? You can find more info here on how to buy both, but here is a look at the basics.
The differences
Almost all CBD products are derived from hemp, which is the least processes form of the cannabis sativa plant. Once the hemp oil is derived, it is then purified to get full spectrum oils. These oils contain CBD, but also includes protein, terpenes, vitamins, minerals and other cannabinoids. THC can be found in traces in all full spectrum CBD oils, and it is acceptable for legal reasons, as long as it's under 0.3.
On the other hand, hemp oil is further purified and all the extra ingredients are removed, which leaves only CBD isolate. The powder doesn't have any chemical compound, additions or ingredients, so there is no taste, flavor or odor to it.
What's better?
If you want the entourage or synergized effect of the hemp plant, the full spectrum Hemp CBD oil is more important than regular CBD isolate, but keep in mind that this is a plant compound. Supplements never work in the same way for everyone, and the ideal recommendation would be to start with Hemp CBD oil, and if you don't get the benefits you wanted, you can go for CBD isolate. The latter is pure CBD and nothing else, which is what some people prefer.
There are many brands that sell both – Hemp CBD oil and CBD isolate powder. You may also hear the term called 'Broad spectrum Hemp CBD oil", which basically means that the product has other compounds, but all traces of THC has been removed. Check online now to find the best deals and offers on Hemp CBD oil.


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Country Summary
Macroeconomic performance
Real GDP growth was an estimated 3.5% in 2018, a dramatic decline from the average of 7% during 2004– 15. The decline was due to decreased public investment and a 23% decrease in foreign direct investment in 2015–17.
The fiscal deficit was an estimated 6.7% of GDP in 2018, up from 5.5% in 2017. Since the discovery of hidden debt in 2016, Mozambique has been in default. Major donors suspended aid to the country, so it had to implement fiscal measures to gradually reduce public debt.
Following high inflation and a rapidly depreciating exchange rate during 2016–17, the Bank of Mozambique eased monetary policy, lowering the benchmark lending rate to 18% in August 2018. However, the decrease in inflation from 15.1% in 2017 to an estimated 4.6% in 2018 led to high real interest rates, resulting in a contraction in credit demand by the private sector.
The current account deficit increased slightly to an estimated 23.1% in 2018, from 20.4% in 2017, due mainly to an increased nonmegaproject trade deficit. (Megaprojects include the Mozal aluminum smelter, the Temane gas projects in Inhambane, and the Moma titanium ore and heavy sands project in Nampula.) Nonmegaproject goods imports—80% of total goods imports—grew by an estimated 24% in 2018. Rising prices for key imports such as fuel and food also underlie growing import spending. International reserves are expected to remain at around 7 months of non-megaproject imports in 2018–19.
Tailwinds and headwinds
Growth is projected to be 4.5% in 2019 and 5.0% in 2020, driven by agriculture, which is continuing to recover from the 2015–16 regional drought, and extractive industries, with coal exports continuing to expand. There are also bright prospects of increased foreign direct investment in gas-related megaprojects in the Rovuma Basin in 2019.
Mozambique is also addressing several of the African Development Bank's High 5s. For "Feed Africa," Mozambique's National Development Strategy aims to increase employment by enhancing productivity and competitiveness in agribusiness and value chain development. For "Industrialize Africa," the government has negotiated the development of an onshore $24 billion liquefied natural gas plant, permitting the creation of downstream value chains and the establishment of an industrial base for fertilizers, gas-to-liquids, and gas-to-power. For "Integrate Africa," Mozambique's growing contribution to the Southern Africa Power Pool could be enhanced with future gas and energy projects. And for "Improve the Quality of Life for the People of Africa," the government will continue to focus on reducing malaria, HIV, and infant and maternal mortality and will increase education spending to 5.9% of GDP in 2018—more than other countries in the region.
Downside risks to Mozambique's economic growth include rising prices for key imports such as fuel and food and economic difficulties in South Africa, Mozambique's second largest export destination. Mozambique's public debt is in distress. Failure to agree on restructuring debt and restoring investor confidence could deepen economic hardship and slow growth. High reliance on borrowing, largely domestic, has not only crowded out private investment but also led to debt distress. Key policy priorities could include an active debt management strategy to restore confidence and measures to stimulate economic growth and employment creation. Finally, Mozambique is prone to natural disasters, such as storms, floods, droughts, and earthquakes.
Fixed Income
Guide to Buying Bonds
Procedure for market participation
Banks or licensed stockbrokers are able to seek authorization from the Central Bank to participate in the Treasury securities market.
Settlement cycle
The financial settlement of transactions undertaken by the Banco de Moçambique is done on the third business day (T +3 system), at 8 pm. This includes the crediting or debiting the accounts of stock exchange operators and other intermediaries and authorized intermediaries.
The withholding tax on government and corporate bonds for foreign investors is 20%.
Market restrictions
Openness to international investors
Law on Investment, No 3/93, created in 1993 (amended in 1993 and in 1995) is the one that governs foreign and domestic investment. There is no restriction concerning foreign ownership or foreign control of companies. Foreign investors may invest in the local stock exchange market; restrictions apply only on repatriation of funds. Residents are also allowed to hold foreign currency accounts in the foreign currency.
Foreign capital and domestic capital are treated equally in most cases, but getting proposed new investments approved by the government can be time-consuming. Although much of the economy is open to foreign investment, certain sectors are subject to specific performance requirements. Bureaucracy can be burdensome, and the legal system is inefficient and antiquated. Regulations can be applied inconsistently, and the system is prone to corruption.
Capital controls
Restrictions on foreign exchange and profit repatriation
Exchange control regulations need prior approval for the externalization of funds affecting convertibility, other than trade transactions, which should be supported by a full set of supporting documentation. In 2008, the Mozambican parliament passed new foreign exchange legislation that ensured the liberalization of all current account transactions. This made it possible for locals to make payments abroad without having to obtain permission from the central bank. However, capital transfers restrictions are still in force are subject to authorization from the central bank. There is no tax on currency transactions and the bid/offer spread is permitted to reach maximum 2%.
The domestic currency (Metical - MZn) is not convertible, either internationally or regionally. The Banco de Moçambique provides the necessary foreign currency (USD) as part of its intervention strategy and when need be. It is important to note that the limited supply of FX reserves may result in difficulties and delays in obtaining hard currency to satisfy the repatriation of funds.
Profit repatriation is guaranteed by the same law that rules investment in Mozambique, the Law on Investment, No 3/93. Non-residents and travelers can import any amount of foreign currency against declaration. However, only foreign currency previously declared may be re-exported. Payments and transfers are subject to maximum amounts (US$ 5,000), above which they must be approved by the central bank.
Credit rating
On September 2013, Moody's assigned B1 to Mozambique's issuer default, with a stable outlook.
On July 2013, Fitch upgraded Mozambique foreign currency issuer default ratings to B+ (from B) and affirmed the local currency issuer default rating at B+. On August 2013, S&P maintained the rating on Mozambique local foreign currency debt at B.
List of Primary Dealers
The primary dealers authorised by the Banco de Moçambique are the following:


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Welcome to our Video Library.
This page provides multiple, short how-to videos as well as videos highlighting some of Microchip's Touch portfolio.
How to Implement Capacitive Touch with an AVR® Microcontroller
This video demonstrates how to use the QTouch® library in Studio to program the Water Tolerant Touch Surface Development Kit. At the end of the video, you'll have an understanding of how to set up a 2D Touch Surface inside of Start.
The following trilogy of videos shows you how easy and fast it is to create a touchpad with Microchip's 2D Touch Surface Library.
2D Touch Surface Part 1 - Hardware and Goals
In this video, we show you the hardware and provide links to all the software used throughout the videos.
2D Touch Surface Part 2 - Code Configuration
In this video, we show you how to create a new project in Atmel START. You will also learn how to configure the different settings in the touch library.
2D Touch Surface Part 3 – Performance and Visualization
This video is the last in the series and helps you visualize the results using the 2D Touch Surface GUI.


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Laura Bell and Ian Ganassi: The Corpses
Laura Bell, a painter based in the Bronx, and Ian Ganassi, a poet in New Haven, met as artists in residence at the Millay Colony for the Arts. In 2005, they began mailing between them the ongoing collaborative collage series "The Corpses," starting with an unfinished poem and scrawled phrases on a piece of printer paper stained with coffee rings that Ganassi mailed to Bell. With each mailing, words, images, and objects are added and new pieces are begun; at any point, either of them can call a piece finished. At first it was assumed that Ganassi would contribute text and Bell visuals, but this division soon dissolved. (The series title is a reference to the Surrealist game of Exquisite Corpse.)
The gathering of materials has become a consuming habit, combining found objects, text, drawings, ads, photos, fabrics, and all manner of mixed media—a painterly, visceral process, the anti-Photoshop. "The Corpses turned us into scavengers," says Ganassi. "We ended up trying to get the whole world into them."
A collage might go back and forth many times or make only one circuit; some pieces are minimal, others layered. Some develop themes or function almost as diaries (a hospital glove, a postcard). Politics, religion, history, and literature make appearances.
While the process has retained its initial sense of play, the series soon demanded a level of intention equal to the work Ganassi and Bell were publishing and exhibiting individually. Called "joyously Fluxus-like" by Robert Shuster in the Village Voice and described by writer Byron Earhart as going "beyond collaborative to a kind of conspiratorial imagination," the Corpses have evolved into more than a decade of personal and material call-and-response. At present there are more than 300 finished works, with usually a dozen or more in progress or in transit.


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Do I Have an Infinite Supply of Enzymes?
By Smarty
Put simply, no, you do not have an infinite supply of enzymes. Enzymes are naturally produced by the body. However, the adequate production of these enzymes is critically dependent upon the presence of the necessary building blocks. These building blocks are the dietary nutrients that you consume on a daily basis, including minerals, vitamins, and essential amino acids.
Enzymes: What are they?
Put simply, enzymes are proteins. Proteins are composed of specific amino acid sequences. There are 20 amino acids within the human body, nine of which are essential, meaning the body can not naturally create these amino acids. Instead, essential amino acids must be consumed from the food we ingest. Enzymes are highly specific and the slightest changes to the amino acid code that creates this enzyme can efficiently alter the structure (shape) and overall function of the enzyme.
Enzymes: How do they work?
Enzymes are necessary for the completion of all metabolic processes within the human body. Enzymes are different from other proteins in the body, as they are biological catalysts. A catalyst is a substance that accelerates overall reaction rates. Enzymes accomplish this acceleration by lowering the activation energy of the reaction. All reactions have certain activation energy. This is the energy required for the reaction to occur. When an enzyme binds to a specific substrate, this activation energy is effectively lowered and the reaction can occur at faster rates. It is important to note that the enzyme does not change the actual reaction, but only changes the reaction environment. Hence, when the enzyme is not present, the activation energy returns to normal.
Enzymes: How are they regulated?
As enzymes do not alter the reaction, they are not destroyed upon use. Instead, enzymes can be utilized many times before degradation of the enzyme occurs. Enzymes are regulated by inhibitors. These inhibitors effectively bind the enzyme rendering it incapable of binding its specific substrate to decrease the activation energy. There are also substances within the body known as activators. These activators enhance the overall activity of the enzyme when bound. Activity of enzymes can also be regulated by the body through chemical environment (namely pH), substrate concentration, and temperature.
Enzymes: How are they produced?
Enzymes are produced by the cells within the body. Each particular cell within the body is responsible for the production of specific enzymes. As enzymes are highly specific to the substrate they bind, the enzymes produced by the cell determine the actual series of chemical reactions (metabolic pathway) that is utilized.
Enzymes: Specificity
Enzymes are highly specific. This is often compared to the lock and key model. Each substrate is a lock, and each enzyme is a key. Keys must be specific as to the lock they open. However, there is no such thing as a universal key. Additionally, enzymes often require the presence of co-enzymes to complete their function. These co-enzymes are also highly specific. Enzymes are critical substances within the body for the regulation and maintenance of all metabolic functions within the body. There is no infinite supply of these enzymes. However, the body does naturally produce enzymes and you can actually ingest certain amounts of enzymes from the food you eat.


text:
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Berlin Airlift 70th Anniversary
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text: Are you old enough to remember when air travel was a real pleasure? I started actively flying (primarily on American) when I was a freshman at Purdue University. Flying was fun. I looked forward to the experience. 36 years ago American Airlines started its frequent flyer program, arguably the most successful in airline history. Heavy travelers, like me, were rewarded for our loyalty. In the … [Read more...]


text:
NOW that CNN International is broadcasting
The Daily Show with Jon Stewart to more than 200 countries worldwide,
host Stewart is scared: "We're barely understood in
this country—I just can't imagine what they're
thinking of all this in, say, Zimbabwe. But we have a disclaimer
saying, 'This is not actual news. Please don't bomb
our country based on anything you see' ..."
Always the snarky jokester. That's what
has made Stewart's Comedy Central satirical news show—with
his arch commentary and fake correspondents' reports—a
long-running hit. In January 1999, he took over the late-night
TV gab-fest from original anchor Craig Kilborn, who'd
hopped to CBS.
Comics say funny things; comedians say things
funny. Naturally-funny Stewart—who is also Daily Show co-executive
producer and one of its writers—is a member of the latter,
more prestigious fraternity. Before breaking into TV, he plied
his trade on the stand-up circuit.
With Stewart hosting, The Daily Show has won
both Peabody and Emmy awards.
A credit to Stewart's universally appealing
humor, last September CNN premiered a weekend version of the program:
The Daily Show: Global Edition, beamed to about 160 million households.
The half-hour consists of chunks of the previous week's
shows that are of relevance to viewers in, among other spots,
South Asia, Latin America, Europe, the Middle East and Africa.
"Ever since I was a boy, I dreamed of
being broadcast into all the nations of man. No, that's
not true!" says Stewart. But as youth, he did study German
for 15 years. However, "the only thing I can say is 'Peter
by the boat' and 'Monica by the train.' It's
really quite a simple language as long as people stand by the
train or the boat!"
He is chatting, in his office, a few hours before
The Daily Show's evening taping on Manhattan's West
At the "anchor desk," Stewart spouts
his witty, sometimes-outrageous opinions about current events.
Discussing anti-war worldwide demonstrations before the United
States' conflict in Iraq, he "reported": "Latin
America roiled with protests from Mexico to Brazil to Argentina.
You know you're in trouble when thousands of South Americans
take time out of a busy schedule of protesting their government
to protest ours!"
Or: Commenting on Attorney General John Ashcroft's
long-winded announcement last month that the US terror-alert level
had been raised from Yellow to Orange: "We all know John
Ashcroft's motto: 'Never say clearly that which can
be proclaimed by a multitude of obfuscating verbiage.' Why
does listening to Ashcroft make me feel like the world has already
Stewart himself can be a man of few—but
very funny—words. Interviewing political journalist Joe
Klein, his first question smacked of trademark mock sarcasm melded
with a winsome innocence of delivery: "France, Germany w-w-what's
Interviewed by this reporter, most of Stewart's
responses were aimed at tickling the ribs. Does he want to make
more movies? He's been in the hit Big Daddy, plus Death
to Smoochy, Jay and Silent Bob Strike Back and did voice work
for The Adventures of Tom Thumb and Thumbelina, among others.
Retorts Stewart:
"Traditionally, a film career expands
upon success. I have not had that. ... I've rarely seen
any of this stuff in theaters. So far as I know, it only airs
in the international market. I do everything for the international
market. I don't do anything for this country. I'm
huge in Belgium!"
The graying Stewart, 40, counts a short 5-foot-7
stature among his biggest attributes: "I have a very low
center of gravity, so I'm very hard to knock over. But if
I'm looking the other way, sometimes I can be tipped."
Stewart's newest TV deal is writing and
exec-producing an NBC sitcom, due this fall, starring Daily Show
"newscaster" Steve Colbert.
And cable star Stewart is penning a second book
following his best-selling essay collection, Naked Pictures of
Famous People (Rob Weisbach Books). The new one, A Guide to Democracy
Inaction (Warner Books), is— what else?—a satire on
the US political system.
Stewart first grabbed attention playing himself
on Garry Shandling's sitcom, The Larry Sanders Show, where
he was also creative consultant. Born Jonathan Stewart Liebowitz,
he chopped off his surname shortly after breaking into stand-up
comedy in New York. "It was bungled one too many times by
MC's," he recalls.
A Manhattan native, Stewart lived briefly in
Inwood, Queens, before moving with his family to Lawrence, N.J.
Growing up, he certainly had no overpowering drive to get into
show biz. "I was much more interested in the New York Mets
than in The Ed Sullivan Show." In college, his goal was
"to get through it purely on essay tests. I was young and
immature and idiotic: I truly had no idea what I wanted to do,"
says Stewart, whose best efforts were directed at playing soccer
during his years at The College of William and Mary.
At 24, he landed in Manhattan to try his luck
at stand-up. He'd already begun writing comedy. "It
was a natural progression from that to performing because the
writing just boiled down to jokes," he recalls, serious
for once. "So it ended up being more appropriate for somebody
to say it on-stage than it was for anything else."
With an act largely about his rocky family life,
Stewart quickly won spots on David Letterman's show and
guest-hosted on "Live with Regis." Soon he climbed
to the next, enviable level: an HBO Young Comedians Special and
his own half-hour late-night gig, The Jon Stewart Show, first
on MTV, then syndicated 1994-95.
The comedian's quick, sardonic humor earned
him his present post, from which he has presided over the Daily
Show's two much-lauded election specials, "Indecision
2001" and "Indecision 2002."
Off-screen, Stewart has been wed for three years
to Tracey McShane, a veterinary technician researching animal
behavior. During her training, a bunch of critters, including
a frog, mouse and two fish, called the Stewarts' house home,
joining the couple's long-time pets, two dogs and a cat.
Oddly, Stewart says he would be thrilled to
stop the "preponderance of animal-like neck hair"
he himself regularly grows. "The wife doesn't like
having to pick that off. Actually, she shaves it," he laughs.
"Sure, she does! That's the beauty of being married!"
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Like most of you I was raised in a deeply religious family, brought to church by my parents for every service and every event. Like most of you, I was taught by well intentioned individuals those things they considered important in religion. Like most of you, at a very young age I was taught and later memorized John 3:16 - "For God so loved the world, that He gave His only begotten son, that whosoever believeth in Him should not perish, but have everlasting life." It was sort of like our religious mantra, and being our mantra we interpreted EVERYTHING in light of John 3:16. Like most of you, I was taught and actually believed what they told me this verse meant, i.e., that God LOVED everybody - that Christ DIED for everybody - and that it was every sinner's responsibility to "accept Jesus as my personal Lord and Savior" so they could have eternal life. This is the view and beliefs of the MAJORITY of those in what is considered modern Christianity. But here is an interesting question: Have you ever really considered the true meaning of the words written in this verse, particularly in light of the immediate context of this chapter in John, and in light of the entire doctrine of salvation of sinners as set forth in the entirety of God's word? Here's the thing: You CANNOT and you MUST NOT ever seek to interpret any one Scripture by itself, lifting in out of its context. When you do so, instead of getting to the truth of the matter, you come up with some sort of perverted interpretation of Scripture that robs God of His glory as both "a just God and a Savior", as well as exalts man and gives him an opportunity to boast in what he or she has accomplished by his or her works or even by his or her so-called faith. John 3:16 isn't some sort of lifeline thrown out to the world in hope that someone, somewhere might weakly extend their hand and embrace it. In reality it is a bold declaration and promise TO ALL THOSE our Lord intended by His use of this word that has caused so much religious confusion - "WORLD".
Anytime you see words in the Scripture like "world", "all", "every", you cannot immediately assume their SCOPE includes every single solitary individual without exception. For example: In John 12 when Christ entered into Jerusalem and THE JEWS put Him on an ass's colt, spread palm leaves before Him, and cried Hosanna, seeking to make Christ king, listen to the words spoken by the Pharisees: "The Pharisees therefore said among themselves, Perceive ye how ye prevail nothing? behold, THE WORLD is gone after Him."(Jn.12:19) Just think a bit: Did they mean by their use of the word "world" that every single person on the planet had gone after Christ? CERTAINLY NOT! As a matter of fact we know they couldn't have meant that by their words because THEY WERE PART OF THE WORLD and these PHARISEES weren't following Christ. What did they mean? They meant that some from every nationality, both Jew and Gentile, were gone after Christ. Keep in mind, the Jews as a people thought God's purpose was to SAVE ISRAEL ONLY, misinterpreting and misapplying the promises of God made to Abraham concerning the true Israel of God - "But ISRAEL SHALL BE SAVED in the LORD with an everlasting salvation: ye shall not be ashamed nor confounded world without end."(Isa.45:17) So when Christ came into this world as the Savior of HIS PEOPLE, and began calling His people from every nation, both Jew and Gentile, the Jews despised Him for it. That is why when you interpret a verse like John 3:16 you must always keep in mind WHO Christ is speaking to - A JEW, but not only a Jew, A PHARISEE named Nicodemus, a man who by nature considered Gentiles to be little more than fuel for the fire of God's wrath. So Christ told this RELIGIOUS, SINCERE, LOST JEW that he "must be born again" TWICE. Nicodemus showed his TOTAL DEPRAVITY and LOST CONDITION by His response to Christ telling Him that he "must be born again". Then our Lord truly upset all that Nicodemus knew and believed by the words of John 3:16 - "For God so loved THE WORLD." Nicodemus KNEW exactly what Christ meant by these words, i.e., not ALL MEN AND WOMEN WITHOUT EXCEPTION, but some from every nation, tongue, and people, those who make up that which considered collectively would be the "WORLD".
Then HOW are we to interpret and understand the meaning Christ's words in John 3:16. I know this much, WORDS are important, and I also know that words translated into the English language from the original manuscripts DO NOT ALWAYS mean what the translators translated them to mean. I know also that WORDS in the English, Hebrew, and Greek, especially words that are VERBS have tenses, voice, and mood, and those things must also be taken into consideration. That being said, the true meaning of John 3:16 as spoken to THIS RELIGIOUS, LOST JEWISH SINNER is this: "For God SO LOVED". The word translated "LOVED" is a verb, and being a verb it has a tense, a voice, and a mood, all defining for us the scope of this LOVE. It is in the aorist tense, which means it is an act that has already occurred. This VERB is in the active voice, meaning the SUBJECT - GOD - is the one doing the action. It is in the active voice, meaning this is A SIMPLE STATEMENT OF FACT. So GOD LOVED SOMEBODY. One thing for certain we know about the true and living God is that HE DOES NOT CHANGE - "For I [am] the LORD, I CHANGE NOT; therefore ye sons of Jacob are not consumed."(Mal.3:6) "Jesus Christ, the SAME YESTERDAY, TODAY, AND FOREVER."(Heb.13:8) So if God "LOVED" somebody in eternity, that LOVE CANNOT and WILL NOT BE CHANGED by ANYTHING those He "LOVED" do or do not do. God's love IS NOT conditional - "The LORD hath appeared of old unto me, saying, Yea, I have loved thee with an everlasting love: therefore with lovingkindness have I drawn thee."(Jer.31:3) This famous verse, John 3:16, IS NOT an offer thrown out for men to either accept or reject. Listen to Paul's words - "And all things are of God, who HATH RECONCILED US TO HIMSELF BY JESUS CHRIST, and hath given to us the ministry of reconciliation; To wit, that God WAS IN CHRIST, RECONCILING THE WORLD UNTO HIMSELF, not imputing their trespasses unto them; and hath committed unto us the word of reconciliation."(II Cor.5:18,19) God sending Christ into this world wasn't an attempt at reconciling sinners to Himself if they would "let Him" or "accept Him". OH NO, it was the actual act of God to SATISFY His infinite law and justice for all those HE LOVED "with an everlasting love." Those, and THOSE ALONE are "reconciled" through Christ's person and work as their Surety, Substitute, Mediator, and Redeemer, and in time they WILL be "drawn" unto Him, and by regeneration and conversion (the NEW BIRTH), given true "faith" to rest in Christ alone as "the Lord our righteousness."


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Thibodaux, Louisiana
Thibodaux Regional Medical Center is a 185-bed regional medical center with over 900 employees and serves people of Lafouche Parish and the surrounding region.
As part of the 2008 100M facility expansion and renovation project, BDG was commissioned to create a Signage Master Plan and implement the Master Plan to the new expansion project areas, including the Women's Center and Emergency and Main Lobby expansions.
Our design solution draws heavily upon both the existing brand and the interior architecture of the expansion projects.


text:
2016-2017 Borussia Dortmund Home Long Sleeve Puma Shirt QVQHUDBTQ
- - Product Code: QVQHUDBTQ
- - Availability: In Stock
Brand new, official Borussia Dortmund Long Sleeved Home Shirt for the 2016 2017 Bundesliga season. This authentic long sleeve football kit is available in adult sizes S, M, L, XL, XXL, XXXL and is manufactured by Puma.Customise your Borussia Dortmund jersey with the name and number of your favourite star inlcuding Marco Reus, or choose your own custom shirt printing.BVB Home Shirt 2016-17 Long SleeveSince 1909, Borussia Dortmund have forged a unique path in German and European football, capturing a host of Bundesliga championships and UEFA Champions League honours, while winning the hearts of a yellow and black sea of support. Now, supporters of this beloved club can take the striking visual identity of die Schwarzgelben into a brand new season with the official BVB Home Shirt 2016-17 Long Sleeve.Designed to replicate the distinct matchday image worn by the players at Signal Iduna Park, this 2016-17 BVB long sleeve home jersey in signature cyber yellow and black makes a perfect addition to the famed Yellow Wall of the Sdtribne, the largest and most celebrated terrace of the modern era.Benefits:Embroidered CatsOfficial Woven Club BadgeSublimation Graphic frontUnder Arm Mesh GussetRegular FitDryCellProduct Code 74799201
2016-2017 Borussia Dortmund Home Long Sleeve Puma Shirt QVQHUDBTQ


text:
Dear list,
Yesterday i updated my pivotx installation form pivotx2beta-d to pivotx2beta-j . I saw it came with a gallery extension. Interested in this feature i enabled it. But now what? I can not find any information about this extension and the admin interface doesn't give any hints about how to use it either. Hope someone can point me in the right direction.
Thanks in advance,
Rolf Deenen


text:
Freedom of Choice Act
Maryland has created additional protections for reproductive rights by adding an affirmative right to choose into its state law. This law ensures women's access to pre-viability abortions and would remain in effect even if Roe v. Wade were overturned.
"[T]he state may not interfere with the decision of a woman to terminate a pregnancy: (1) Before the fetus is viable; or (2) At any time during the woman's pregnancy, if [t]he termination procedure is necessary to preserve the life or health of the woman; or . . . [t]he fetus is affected by a genetic defect or serious deformity or abnormality." Md. Code Ann., Health-Gen. § 20-209 (Enacted 1991).
Low-Income Women's Access to Abortion
Maryland prohibits public funding for abortion for women eligible for state medical assistance for general health care unless: (1) continuation of the pregnancy is likely to result in the woman's death; (2) the woman is a victim of rape, incest, or a sexual offense reported to a law enforcement, public health, or social agency; (3) the fetus is affected by a genetic defect or serious deformity or abnormality; (4) abortion is medically necessary because there is substantial risk that continuation of the pregnancy could have a serious and adverse effect on the woman's present or future physical health; or (5) continuation of the pregnancy is creating a serious effect on the woman's mental health and if carried to term there is substantial risk of serious or long lasting effect on the woman's future mental health. S.B. 125, 2004 Reg. Sess., 418th Gen. Assem. (Md. 2004); Md. Regs. Code tit. 10, §§ 09.02.04(G), 09.34.04(A)(5), 09.34.04(B)(2).
Protection Against Clinic Violence
A person who physically detains an individual or obstructs, impedes, or hinders an individual's passage, with the intent to prevent the individual from entering or exiting a medical facility, is guilty of a misdemeanor and may be fined up to $1000, imprisoned for up to 90 days, or both. Md. Code Ann., Crim. § 10-204 (Enacted 2002).
Question 6
Many Marylanders will remember Question 6, when 62% of voters in a statewide referendum affirmed a woman's legal right to choice. The language of Question 6 read:
Revises Maryland's abortion law to prohibit state interference with woman's abortion decision before fetus is viable, or, under certain conditions, at any time and to provide certain exceptions to the requirement that a physician notify an unmarried minor's parent or guardian prior to minor's abortion; repeals pre-abortion information requirements about abortion alternatives; repeals some, and clarifies other, provisions related to abortion referral; requires that abortions be performed by licensed physicians; provides good-faith immunity under certain conditions to physicians performing abortions; authorizes State to adopt abortion regulations; repeals certain penalty and disciplinary provisions related to the performance of abortions.
The passage of Question 6 codified Roe v. Wade in Maryland, making abortion legal even if the U.S. Supreme Court were to reverse Roe v. Wade. Maryland is one of seven states that explicitly protects reproductive choice in state law.
The battle began in the General Assembly, where pro-choice legislators introduced a bill that would codify the protections of Roe v. Wade into state law and overturn the state's restrictive 1968 abortion law. This would have protected Maryland women if Roe were ever overturned at the federal level. Unfortunately, the bill suffered a nine day filibuster in the 1990 Maryland Senate. In the following election, NARAL Pro-Choice MD worked exceptionally hard to ensure more pro-choice legislators were elected. In the 1991 session of the General Assembly, SB 162 passed the Senate (29-18) and the House of Delegates (84-52). Governor Schaefer signed the bill into law on February 18th.
Anti-choice activists gathered enough petition signatures to force the measure onto the ballot, and in 1992, it appeared on the ballot as Question 6. A vote for Question 6 upheld the law, and NPCM was part of broad coalition of pro-choice and other groups called Maryland For Choice (MFC) that fought to pass Question 6.
On November 3rd, 1992, Maryland voters went to the ballot box and voted for Questions 6 by a wide margin, with more than 60% of voters in favor of enacting the pro-choice law. On it's 20th anniversary, we celebrated the achievement of the Maryland for Choice campaign, and all the coalition partners, staff, volunteers, donors, and voters who worked to keep Maryland a pro-choice state. Were you a part of the Question 6 campaign? We'd love to hear your story! Email us at firstname.lastname@example.com.
Insurance Coverage for Contraception
Maryland law requires health insurance plans that cover prescription drugs to provide equitable coverage for contraception.
What is required?
If a health insurance plan provides coverage for prescription drugs, it must provide coverage for any Food and Drug-Administration-approved prescription contraceptive drug or device, insertion or removal of such drug or device, and any medically necessary exam associated with the use of such drug or device.
To which insurance plans does the law apply?
Insurance plans, nonprofit health service plans, and health maintenance organization (HMO) contracts that provide coverage for prescription drugs.
Does the law provide additional protections for women?
Yes. Insurers may not impose a different co-payment or coinsurance for contraceptives than that imposed on any other prescription drug.
Does the law contain a refusal clause, allowing certain employers and/or insurers to refuse to provide or pay for contraceptive coverage?
To whom does the refusal clause apply?
Religious employers for whom contraceptive coverage conflicts with their bona fide religious beliefs and practices.
What does the refusal clause allow?
A religious employer may require issuers of its health insurance plans exclude coverage for contraception.
Is this refusal clause overbroad, jeopardizing insurance coverage for contraception for women?
Yes. By failing to define the term "religious employer," the law's refusal clause inappropriately includes a wide range of entities that perform non-religious functions in the public sphere.
Does the law require the refusing entity to notify the persons affected?
Yes. An employer exercising a refusal clause must provide employees reasonable and timely notice of the exclusion.
Are there circumstances under which a refusal clause may not be exercised?
Does the law provide a mechanism for women to obtain contraceptive coverage if their employer exercises a refusal clause?
MD. Code Ann., Ins. § 15-826 (Enacted 1998).
Protection Against Clinic Violence
A person who physically detains an individual or obstructs, impedes, or hinders an individual's passage, with the intent to prevent the individual from entering or exiting a medical facility, is guilty of a misdemeanor and may be fined up to $1000, imprisoned for up to 90 days, or both. Md. Code Ann., Crim. § 10-204 (Enacted 2002).
SB232/HB616: Education – Pregnant and Parenting Students – Attendance Policy
NARAL Pro-Choice Maryland works to ensure that every child-bearing individual has the freedom to decide if, when, and how many children to have. We honor pregnancy in all its complexity and in doing so we support pregnant and parenting students as they navigate the challenges of building their families and completing their education. SB232/HB616 focuses on creating and clarifying excused absences for pregnant and parenting students in Maryland public schools for both medical and legal appointments, pertaining to both the parent who gave birth and the co-parent.
Title IX's promise of equal opportunity for women in Maryland has been for too long unrealized regarding pregnant and parenting students. Students are frequently pushed out of school or encouraged to attend separate educational facilities or GED programs where access to a rigorous education, such as advanced placement and honors courses, are limited.
Currently, lawful absences under COMAR include "illness" of the student and "court summons"http://www.dsd.state.md.us/comar/comarhtml/13a/13a.08.01.03.htm. Many school districts simply cut and paste straight from this list of lawful excuses to develop their official attendance policies. As currently written, these policies do not reflect information these youth are seeking as both students and parents. Where students stand in their relationship with their school and available support to finish high school figure into pregnancy decision-making. Unfortunately, some students will face unsupportive families and will need to change school districts while establishing new homes.Transparency, uniformity, and predictability are needed across school districts to help youth make the best decisions to achieve their educational and parenting goals.
- Defines excused absences for pregnancy or parenting-related health conditions (current COMAR attendance policy language only lists "illness" – pregnancy is not an illness).
- Provides at a minimum 10 days of excused absences for a parenting student after the birth of the student's child, for both mother and co-parent (not limited to ten days, but will prohibit schools forcing youth to return to school too soon that would interfere with recovery or infant bonding).
- Allows excused absences for a parenting student to care for one's own child who has a medical appointment or has taken ill.
- Authorizes policies that a pregnant and parenting student be allowed time to make up missed school equal to at least as many days as the student was absent.
- Creates excused absences for a pregnant and parenting student to participate in legal appointments to pursue particular family law actions, such as adoption, custody, and visitation.
- Requires that these policies be published on school district websites.
- Allows school faculty, staff, or administrators to have a better understanding of the rights of these youth and discourage violations under Title IX.
SB232/HB616 is not alone in its advocacy for pregnant and parenting youth. This bill was modeled from a New Mexico law passed in 2013. There are also other states, like Nebraska, which are introducing similar bills this year which serve to protect the rights of pregnant and parenting students by allowing them to form families without severe educational ramifications. Maryland school districts fail to protect their students' Title IX rights when teen parents are forced to drop out due to unwarranted truancy investigations or an inability to make up work missed. By passing SB232/HB 616, Maryland legislators displayed their support of young parents and their academic endeavors, no longer forcing pregnant and parenting students to choose between their children and school.
NARAL Pro-Choice Maryland served as the lead advocates of SB232/HB616. We are joined by the following groups:
o Maryland Conference of NAACP
o CASA de Maryland
o Women's Law Center of Maryland
o ACLU of Maryland
o NARAL Pro-Choice Maryland
o National Women's Law Center
o Maryland Catholic Conference
o GLSEN
o Homeless Persons' Representation Project
o MD Chapter of American College of Obstetricians/Gynecologists
o MD PTA
o Coalition to Protect Maryland's Children (members b
- Adoptions Together
- Advocates for Children & Youth
- Associated Catholic Charities
- Baltimore Child Abuse Center
- Citizens Review Board for Children
- Court Appointed Special Advocates
- Family Tree
- MD Chapter. National Association of Social Workers
- MD Chapter of American Academy of Pediatrics
- State Council on Child Abuse & Neglect
Talking Points – Pregnant and Parenting Students Attendance Policy
- Attendance and Teen Pregnancy
o Higher rates of absences are correlated with educational decline, increased high school dropout rates, weakened socio-emotional development, increased health risk behaviors, and greater risk of future unemployment.[1]
o As a result from their status as a pregnant student or mother, young women are hindered in their potential to learn as many schools do not provide proper resources or support. These students may miss more than the allotted excused absences provided by the school, forcing them to drop out or trigger a truancy investigation. Pregnant and parenting students have the right to pursue a rigorous education equal to non-pregnant and non-parenting students.
o When excused absences pertaining to pregnant and parenting students are not meaningfully established and their rights to a full high school education not clearly communicated, students may perceive being unwelcomed and/or an experience school push-out by faculty and staff.
- Teen Pregnancy and High School Dropout Rates
o Only 40% of teen mothers finish high school, with less than 2% of young mothers completing college by age 30.[2]Approximately 1,000 13 to 17 year-olds gave birth in Maryland in 2015.
o Close to half of female dropouts and one-third of male dropouts say that becoming a parent was a factor in their decision to leave school.[3]
o Economic instability can continue to the next generation as two-thirds of families formed by teen mothers are poor, with nearly one in four enrolling in welfare benefits after the birth of the first child. It has been found that two-thirds of children born to minor parents earn high school diplomas as compared to 81% of their peers.[4]
o Lower graduation rates affect not only the individual well-being of teenage parents, but also negatively affect our economy as opportunities for meaningful participation in the workforce is diminished.
- Protection for Pregnant and Parenting Students under Title IX
o Title IX of the Education Amendments of 1972 prohibits schools that receive federal funds from discriminating against students on the basis of sex, which includes a student's "actual or potential" parental, family or marital status and a student's "pregnancy, childbirth, false pregnancy, termination of pregnancy or recovery there from."[5]
o Title IX prohibits schools from assuming that pregnant students cannot attend school or participate in school-sponsored activities.[6]
o A school cannot require pregnant students to produce a doctor's note in order to continue in school or school-sponsored activities.[7] However, if a doctor's note is required for all students to participate in a certain activity, a pregnant student may be required to produce such.[8]
o The school should provide excused absences and reasonable adjustments to the number of excused absences provided to students. [9]
o Both the parent who gave birth and the co-parent should be protected under Title IX and given the same protection
o The school must provide the same special services it provides to students with temporary medical conditions including, home instruction/at-home tutoring/independent study.[10]
[1] Michael A. Gottfried. Retained Students and Classmates' Absences in Urban Schools. (American Education Research Association, 2013) 1392-1423
[2] Shuger, L. (2012). Teen Pregnancy and High School Dropout: What Communities are Doing to Address These Issues.
[3] National Coalition for Women and Girls in Education (NCWGE). Title IX at 40: Working to Ensure Gender Equity in Education. Washington, DC: NCWGE, 2012. https://www.ncwge.org/TitleIX40/Pregnant-Parenting.pdf
[4] National Conference of State Legislatures, Postcard: Teen Pregnancy Affects Graduation Rates, 2013 http://www.ncsl.org/research/health/teen-pregnancy-affects-graduation-rates-postcard.aspx
[5] National Women's Law Center. Title IX Protections for Pregnant and Parenting Students: A Guide for Schools. (National Women's Center, 2009) 1-4 http://www.nwlc.org/sites/default/files/pdfs/ProtectionsforPregnantandParentingStudents.pdf
[6] National Women's Law Center. Title IX Protections
[7] National Women's Law Center. Title IX Protections
[8] National Women's Law Center. Title IX Protections
[9] National Women's Law Center. Title IX Protections
[10]U.S. Department of Education Know Your Rights: Pregnant or Parenting? Title IX Protects You from Discrimination at School


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The impact of indirect procurement is anything but small – in many organizations, it makes up in excess of $1 billion of the enterprise's spend – yet few resources have been devoted to perfecting its processes.
Larry Wood, Chief Procurement Director at Intuit, wants to change that. In this webinar, find out how standardizing indirect procurement can have a transformative effect on the organization. Learn how adopting a standard not only tackles the issues that face indirect procurement today, but also helps procurement become a "trusted advisor" within the business while simultaneously driving cost savings.
The Indirect Procurement Standard consists of five key areas:
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text: Onvia's recent report, Leverage Cooperative Purchasing to Grow Your Government Sales, confirms the common perception by contractors that cooperative purchases do not impact all industries equally, but tend to skew towards "off-the-shelf" products (with some basic services offered). The reasoning for this expectation is sound: Agencies are attracted to cooperative contracts for volume buying advantages and common product purchases lend themselves to significant "price per unit" discounts that suppliers can offer based on high total volume over the life of the contract. When buying "off-the-shelf products", the focus tends to be solely on price -- as opposed to buying services that require special expertise or buying products that have custom features. The National Institute for Public Procurement (NIGP) defines cooperative purchasing as "the combining of requirements of two or more public procurement entities to leverage the benefits of volume purchases, delivery and supply chain advantages, best practices and the reduction of administrative time and expenses." Cooperative purchasing includes both buying from co-op associations (either regional or national) as well as buying from another agency's existing contract not tied to a co-op group (commonly known as "piggybacking"). Measuring Types of Products Purchased - The Cooperative Purchasing Buying Index As part of our research for the report, we examined nearly 800,000 total awards since 2012 and identified over 15,000 cooperative purchases. In order to shed light on what types of products and services tend to be purchased more often, we created a "cooperative purchasing buying index" to compare cooperative buying with competitive government contracts (bids & RFPs). Whenever the index climbed above 1.0, that particular area or industry is "above average" in terms of having more sales than would be expected. The top categories for cooperative purchasing are: Office equipment IT/Telecom products Transportation equipment Industrial supplies When taken as a group, these four categories are commonly viewed as more product oriented, with a focus on volume, highly competitive pricing per unit and less need for specialized consulting. Office equipment was purchased at 4.2 times its expected level for co-op associations and was 2.5 times above normal for piggyback purchases. IT/Telecom products was also stronger for co-op groups, with a score of 3.2 versus 1.7 among the piggyback segment. Conversely, the categories of transportation equipment and industrial supplies showed stronger index scores for piggyback purchases (2.6 and 1.8, respectively) compared to lower co-op association indexes of 1.7 and 1.3. These industries tend to feature large, high value equipment purchases or equipment that may require a special delivery component. An agency may decide to buy from a local/regional vendor using piggyback contracts rather than from a national vendor offered through a co-op association that does not have a convenient dealer location. Takeaway for Contractors Opportunity to pursue cooperative purchases exists for businesses operating in all industries, but government contractors selling ready to use IT or telecom products, office supplies, industrial supplies and transportation equipment should take particular note of the areas of higher concentration. In general the cooperative contracting model skews strongly toward purchases in these industries, but there were also differences between co-op associations and piggyback purchases in the four top categories. Office equipment and IT products are more likely to be bought through a co-op while transportation equipment and industrial supplies are more likely to be purchased with piggyback contracts. To learn more about industry trends in cooperative purchasing, download the free "Leverage Cooperative Purchasing to Grow Your Government Sales" report today.