Assume that interest rates on 20-year Treasury and corporate bonds are as follows:
T-bond = 7.72% A = 9.64%
AAA = 8.72% BBB = 10.18%
The differences in rates among these issues were caused primarily by
A Tax effects.
B Default risk differences.
C Maturity risk differences.
D Inflation differences.
E Real risk-free rate differences

Everyone is most likely well aware that given our current economy, things are pretty bad financially for lots of people. Loss of jobs, loss of income, loss of homes, etc. People are struggling and we’re all looking for a little break here and there.
I was thinking of having a garage sale because I have tons of baby boy stuff from when my son was born. Last garage sale I had for my baby items, I walked out with $200. I was pretty pleased!! Anything extra to help with the bills.
Now my son has more clothes, more baby items, and my sister moved so she gave me all her baby stuff she had bought for my son. All of which I’d like to sell to make some extra money.
The problem is that my neighbor is pregnant and having a boy, she saw all my stuff in my garage and mentioned wanting to take a look at some stuff. A piece of me wants to help out because we’re all in that same boat, but another piece of me doesn’t want to because WE need the money from all these items, because we’re all in the same financial boat. Another reason, is that she told me she was getting a brand new crib, a brand new stroller and car seat, and diapers galore for FREE from some pregnancy center that helps single Mom’s that have no insurance or low incomes. She works and so does her boyfriend. I work and so does my husband.
I don’t know, I’m always the type to offer what I can, but I feel guilty in doing so right now. But on the flip side, I shouldn’t because EVERYONE struggles right now.
I’m really torn here. I’m looking for other opinions. What would you do in this situation? Would you give it up for free or continue with your garage sale??
Thank you for your responses!

My 4 month old baby is allergic to a ton of stuff. The doctors can’t figure it all out. He is currently breastfed and always moody, fussy, and cries all the time. He is terrible ezcema.
I’ve spent a great deal of time omitting all kinds of different foods from my diet for the last month (eggs, milk products, soy, chocolate, wheat, etc). He is still fussy and unhappy with bad ezcema.
The allergy doctor wanted us to try the baby on Neocate formula for one week. My son is doing SO much better. His ezcema is clearning up and he cries way less. He is fun to be around now..whereas he wasn’t before. (I’ve been pumping like crazy to make sure I keep my milk).
So my question is would you rather put your baby on formula to make him happy and free of ezcema and fun to be around?
Or keep him on breastmilk where he will continue to get my immunities and all the other goodies?

we want to make up some cards…..just a little something to attach to the little gift bags we are purchasing…..we want the card to be maybe 2×2 and would like to add some baby templates to it…something like rattles, bottles, diapers, pins ect….can anyone help with a web address we can get these free?

Free Smartphone Software

Since it’s a felony to do that, what would happen? Would I be given all kinds of free stuff for making a baby for the wrong reasons or would I be tossed into a mexican jail, probably abused, and deported? Why don’t we treat them the same way when they do it here? Throw them in jail for holding until we can get them flights (probably no more than a few days), then throw them back? And to prevent any further illegals, why don’t we find out how we can build an impenetrable wall, like stainless steel, that has an electric current running through the outer wall so that they get the message that no more illegals will be allowed in? I don’t hate the legals at all. They respected our laws, followed the laws, and came here the right way. It’s the illegals I can never respect for they don’t respect our land.

you’d never have to work just be my wife and baby mama?

My child spits up a TON…he always has since day one…He is now 8 months old. He has had his upper GI tract looked at and it was all normal. Could he be allergic to iron? The spitting up has gotten worse and worse. He was on similac advance w/ iron and now he is on a dairy free, lactose free, soy free diet formula, w/ iron. (it is not helping at all and he is still spitting up a ton). If any one knows what it is like to be allergic to iron pleas let me know the symptoms. My 8 month old has stopped gaining weight and has even lost some. I desperate to find out what is going on. Thanks

Language
Hoots man, see you Jimmy, it’s a braw bricht moonlicht nicht the nicht, och aye the noo.
We look to Scotland for all our ideas of civilisation
Said – Voltaire and Suzie s
While quizzing visitors to Scotland, ‘language’ appeared in the top ten answers, not because of ‘Gaelic’ or ‘Scots’ but due to a genuine problem with understanding what locals were saying. Visitors have on occasions thought fast-spoken residents were speaking Gaelic (pronounced gallic).
By the eleventh century Gaelic, a tongue originating from Ireland, was becoming a dominant language in Scotland. However, by the sixteenth century it was confined to the northern and western areas. A new law was passed in 1695, encouraging the setting up of English Schools in the Highlands. This regulation was a clear attempt to dissuade people from using the language. In recent years there’s been an upsurge in people learning ‘the Gaelic’.
A helpful guide for visiting tourists:
If someone offers you a Glasgow kiss, refuse. (It’s a less than charming expression for head butting.)
A free house does not mean the drinks are free. (It’s a pub not owned by a brewery.)
Steamboats doesn’t mean ships driven by steam. (It’s an expression of drunkenness.)
A square go is not a boxed set of traffic lights. (It’s someone asking you for a fight.)
A fag is not a gay person. (It’s a cigarette.)
Lifted by the police doesn’t mean raised in the air. (It means arrested.)
Being knocked up doesn’t mean becoming pregnant. (It’s a term used to awaken someone from his or her slumber.)
A Highland fling has nothing to do with extra-marital relations up north. (It’s a Scottish dance.)
Being called ‘hen’ does not mean you look foul. (It’s a term of endearment.)
A nappy is not a napkin for wiping your mouth. (It’s a diaper.)
Ten Scottish words:
Cuddie – horse.
Puddock – frog.
Bubbly Jock – turkey.
Tattie Bogle – scarecrow.
Dyke – wall.
Breeks – trousers.
Minging – rather smelly.
Puggie – gambling machine.
Spirtle – porridge stirrer.
Baffies – slippers.
Visitor: “Can you tell me where the railway station is?”
Scotsman: (wildly gesticulating) “Ochayenaebother
-palit’sdoontheroadandturnleftatthewee…
Visitor: (perplexed) “Are you a tourist too”
“A monument dedicated to the Scottish pastime of doughnut hurling” A useful guide to the pronunciation of Scottish place names
Leuchars – Loo-cars.
Edinburgh – Edin-burr-ah.
Kirkcaldy – Kirk-cawdie.
Culross – Coo-ross.
Milngavie – Mill-guy.
Dounreay – Doom-ray-radio- active-run-fast.
Kingussie – King-ewe-sea.
Gullane – Gillin if you’re posh, Gullan if you’re not.
Peebles – Pea-bills.
Dumfries – Dumb-freeze.
Did You Know?
The words of exclamation, surprise or disgust “Great Scot!” originated in America. The words refer to General Winfield Scott (1786 -1866) – possibly due to his notorious fussiness and pomposity as a presidential candidate.
The lowlanders had their own language ‘Scots’, an offshoot from old English mixed with many European influences. The dilution of ‘Scots’ was hastened by the Union of the Crowns in 1603, when James VI moved his court to London and by the Union of the Parliaments in 1707, when English became the language of Government. At school, “speak properly” meant “speak English”. Thankfully the culling was not fatal and large chunks of ‘Scots’ remain within our diction. Not only that, the lingo seems to be evolving within our own brand of English like any other living vernacular. The posh Scot thinks ‘sex’ is what the potatoes are delivered in.

I am interested in starting up a parent/child activity and workshop center. It would be a bright fun place with lots of toys and activity centers for kids to play on, comfy seats for adults, and a shop filled with only high quality, owner tested and approved products such as slings, toys, cloth diapers and breastpumps. The center would hold several classes for children such as a kids cooking class, art classes, sibling readiness classes etc. Parent and child classes such as one for both for cooking, a special daddy and me series, parent and child yoga etc, and parent only classes and meeting such as budgeting, menu planning, and a few just-for-fun classes, and free meetings for things as (perhaps) La Leche League and diaper free baby, while the kids could play in the play center.
Would you like a center like this? How often would you want to go? What would you be willing to pay? What classes and activities would you want to see?

i been looking for a website that would let two parents see how there baby might look? by showing them a realistic image. For free. thanks and god bless