Chasing the water as Peach Blossoms Cover - An Ancient River Crossing

In "the peach blossom Journey," a poem that describes the relationship between sensory perception, illusion and reality, Wang Wei, the head of a Tang dynasty poet writes further:

A fishing village "Boot

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chased the water in the holy mountain.

Chasing the water as Peach Blossoms Cover - An Ancient River Crossing

But both banks being peach blossoms

the old ford.

He did not know how he sailed as

He stared at the red trees.

And when he reached the end of the Blue Stream

He saw no other people onway.

Then find a crack in the slope

He forced his way through the deepest caves.

And behind the mountains

opened with a Vista Land is flat.

In the distance he saw clouds and trees surrounding.

And near a thousand homes,

Flowers and bamboo have been missing.

A forester was the first, if only for a period of Han, the United States.

And the population has not changed suit

the time of Qin.

People lived together inHigh Country

above the River Wu Ling.

In addition to the outside world

they laid their fields and orchards.

Under the pines and the bright moon

all was quiet in the houses.

And when the sun began to shine through the clouds

the chickens and the dogs began to speak.

Surprised to find a stranger among them,

people crowded around.

They went to invite him to ....

and inquired of his country.

But as the light has come, theFlowers

the roads were all washed away.

At nightfall

Along the water,

fishermen and loggers soon

returned.

On the run from the troubled world

Before all the people had left.

And they lived

and asked God to grant them immortality.

They were satisfied and had no reason to return.

From inside the valley, where they lived

knew nothing of the way

we live outside.

From a distance

We admire emptyClouds and mountains

within our world.

Who would have thought that this magical place

would be so hard to find?

But the fishing village of "heart lay

could not stop thinking of his land.

He left the country

but its hills and rivers never leave his heart.

Finally,

made up and return trip planned.

Through memory, passed on the road

He had met before.

Who could have known the mountains

had and guttersnow completely changed?

Now he is facing

only the great mountain

where memories come back to the method.

But every time he followed the flow of clear

found only clouds and forests.

But when spring comes, ... everything is peach blossom

and water.

But still do not know how to get to the place immortal.

a fisherman's boat followed the water ...

in the Sacred Mountains

Be sure to Wang Wei "Peach Blossom Journey" is one of the Chinesemore poems.

What is most striking, however, is about the work to the extent that addresses the questionable nature of human reality. Wang Wei reality is certainly not the product of an ordinary man.Rather, is a reality that speaks of water, bamboo, blue streams, trees and the red moon.

In a style that originated to describe the great Chinese mystic of the past, is a fisherman who chases a running stream, only to find a crack in thin ... which leads to a secretDreamy, unknown world.

And behind the mountains, with an open view of Flatland All About

It is in this world that our beloved fisherman encounters an ancient people. In traditional costumes and speak an ancient language, the people ask of her house.

Fascinated by his answer, these seniors live as immortals, as he had once left a troubled world. Now you know nothing .... the way in which the fishermen who once lived his life.

But theFisher secular heart could not stop thinking about her home

In terms of Wang Wei utopian dream images that we find our fishing adventure in a series of mind-altering visions that appeared to produce more than a little consternation 'self lost.

Trapped in his thoughts that he is looking for a way out. Sure ... he must try to find their way home.

But still do not know how to find that Immortal Place

One of the best features of this work is WangWei ability to create an aesthetic world that is full of sensual images that might result from the human soul.

But perhaps even more remarkable ... the poet is the ability to explore some of the most remote of the human spirit. In the perception of our fishermen, we are at once the man with the unique ability to provide a reality that is presented to overcome the normal search parameters of human existence.

At the same time the same time, it is arguable that you are presented with the finite realityhuman consciousness ... or perhaps worse, a place where ordinary people can never go in this situation.

Chasing the water as Peach Blossoms Cover - An Ancient River Crossing

Equity Line Of Credit

bond investments for private investors

Bond markets are markets for almost as long as equity. For most private investors, such as bonds are less attractive relative to government bonds, probably due to the relatively stable bond. You probably can also be argued that media markets, the stock market much broader than the coverage bond.

So what is a bond? Learned in school that a bond is a debt or an instrument issued by a companyGovernment. The buyer of the title is actually lending money to set up and promised the full capital plus a fixed periodic payment for the duration of the loan. The full payment received with the main A final calculation are set for the association to determine the yield. The yield, in legal terms, the effective interest rate earned on bond markets for the duration.

Some problems issuing zero-coupon Bonds that have not paid any bond during the term of office. The investor receives the difference between the purchase price for the license and the principal value, also known as face value.

While investment banking trading desks make profits on the bonds exchanged at regular intervals, through the acquisition of credit risk and duration of interest rate risk, this is often not the case for small investors who usually do not have the availability of interest live and> Bond trading data.

A small investor, the goal for the purchase of bonds may deposit rates are seen as an attempt to gain an ordinary performance better than a. The issuer is sufficiently creditworthy, investors should be able to get years of his capital in full at maturity of the bond, fifteen years, the term may have one of every three months. At the same time, investors may have the opportunity to invest on capital gains from its bindingif market interest rates should fall. This then provides a further advantage for loans on ordinary deposits.

trading of bonds. The bond market is still largely on the OTC market. Market participants include large investment banks, private banks and asset managers. Unlike stocks that are traded on an exchange and therefore have the transparency of prices, the bonds traded on the OTC market has no such price transparency;Citations are given and taken on a platform such as Bloomberg and Reuters. the lack of transparency in price from a lack of liquidity also prepared, because such a situation would be here decided to cash for a particular loan. It can be said that this is one of the reasons why investors are not very familiar with the bonds, since these stocks are.

Another possibility would be to buy bonds to buy directly from the issuer, the central bank or a company could be. Inmost cases, the minimum investment must be higher than most private investors willing to invest in one fell swoop.

Asian central banks, the deepening and development of bond markets, increased efforts in education and bond markets are seen with a key to attracting retail investors against.

If the Bond Rally Last?

Looking at the chart above, it is obvious that the shares have passed bonds in 2010. The S & P 500 (red line) is collected by 2 percent, while the ETF TLT for long-term bonds (blue line) 17 per cent since the beginning of the year. The bond spectacular rally in recent weeks has become the hottest topic in financial stocks. Bond yields, which move inversely to bond prices fell to a record low. The yield for the bond 10 years the U.S. has fallen to its lowest level2.58 percent this week and many financial experts are scratching their heads and can not understand why investors would be happy to accept such low returns and I think this rally is just a bubble that burst soon. In my humble opinion, I do not think that the bond rally is a bubble, because there is demand for bonds for some time to get a great deal.

Baby boomers are the largest group of investors beyond retirement age if their risk tolerance is low. Your financial adviser will recommendchange their portfolio allocation to a more conservative, which has a higher percentage of fixed income securities. Data of the fund's flow of money from equity funds and pension funds. The amount of money in pension funds also exceed cash equity funds, which means that the savings in new bond funds will be allocated. The saving rate American went to 6 percent, and I argue that much of the savings "from the" empty nest meansBaby boomers, who still work and earn a good income, but reduced costs. From the perspective of investors in the United States, there are few alternatives for better investment for bonds. Property prices have fallen since 2006 and still continue to fall, so there is little reason to invest in real estate.

The stock market is still 30 percent below its value in 2000 and investors in this age group will bear two stock market crashes when their portfolios have fallen by up to 50 percentevery time, so I do not think many people would like to approach their risk their retirement nest egg in an asset class that is so volatile. Bank interest rates in the U.S. is near zero, then cash is not an attractive investment choice. With over 100 bank failures in 2010, the FDIC guarantees bank deposits is nearly broke, so keep your money in the bank is not sure how the owners of bonds guaranteed by the U.S. government. While a 2.4 percent rate of return candoes not seem like much, it sure beats a negative return!

During the event bond is a relatively new phenomenon in Western economies in recent years has done more for years in Japan, whose citizens are on average bond yields continued to decline in the 10th year and continues to decline. The Japanese made 10 years recently fell below 1 percent, so that 2.5 percent of its American counterparts look attractive in comparison. Property and equity pricesalso decreases from 1989 to 1 per cent return, bonds are more attractive than other asset classes. If the United States in the footsteps of Japan, returns must fall a long way over yet, which means that the bond rally should continue for some time to come.

individual investors are not the only ones who want to buy bonds. Banks can lend at interest rates already near zero percent for loads of bond yields are veryparticularly attractive if you buy them with leverage. If you can buy $ 1,000,000 worth of bonds with $ 100K cash and borrowing the rest at zero percent, would be equivalent to 4 percent rate of return of 40 per cent return on $ 100K. This type of trade is responsible for the profits of the banks reported fat. Banks prefer to treasuries, rather than borrow money to buy people buy risky assets such as real estate or businesses.

On top of all this demand from investors and banksFederal Reserve Bank announced that buy bonds as part of its quantitative easing program plans. The Fed can buy big and deep pockets - who bought more than a trillion dollars of mortgage-backed securities last year. Hearing this announcement, as speculators and hedge funds in bonds are now jumping in the framework of "front running the Fed."

U.S. Treasury bears have always maintained that the U.S. is like Japan, because Japan, unlike most U.S. government Guilt by foreigners such as China, who will one day shed their U.S. Treasury investments if they are out of my head from ballooning debt of U.S. ownership. If this happens, expect the yield, because they have problems in Greece and other European countries with government bonds. Well, this scenario actually happened recently in China sold more than $ 21 billion of long-term U.S. bonds in June 2010 and guess what happened? They were grabbed from domestic customers and> Bond yields continue to fall!

I think the penny is finally beginning to fall, what happens if there is deflation - the quality bonds are still the best investment. Even Alan Kohler, the long-poo, the "deflationeers," he advised his subscribers to Eureka Report this week to buy bonds, poohed case. If Australia has a problem with deflation as well? The stock market is about 25 percent below the 2007 peak result and how the U.S. S & P 500 has gone nowhere in 2010.Since the new restrictions on foreign real estate investors in April 2010 have been announced, property prices seem to have a plateau, and sales have slowed. Do not know about you, but I think deflation is like, if not already here.

guarantee rate - how low

To pay for your warranty to multiply years you will be able to lock in a set of bindings for the duration set in des For some companies, you can extend the range of bond years for your loan of two years or three.

Stay in touch with an agent of a surety for more details as conditions of bond extended vary for each company. With the markets change from year to year, the company can guarantee financials updated upon renewal request. UpdatedInformation to the guarantor if an extension is allowed to ask:

Updated figures: As the safety necessary re-evaluation in your financial position at year end and your current quarterly report.

Updated credit reports: As a rule, credit reports are not required more than 30 days
Updated personal financial statements of your current personal financial dated no more than 30 days after application.

This information is necessary forsurety company must ensure that the risk meets its commitment. Remember, the guarantee is an unsecured loan to the form of consumer fraud or other bonds statue made under warranty. If you extend your guarantee that for years have not produced this information every two years or three years instead of all.

Other advantages of the extended term, the guarantee of our price reductions. Many security agreementCompanies apply for discounts for each additional year of your bond will be extended to like. reduced premiums vary for each company. Normally a 15% reduction in the premium charged by the second year to 20% for the third year of your bond is in force.

Bond rates shaken and stirred in savings overhaul

Banks have wielded an axe to most of the high financial savings bond rates to completely shake-up the most effective buy tables.

The highest one, two, three and five-12 months offers have all been pulled this week (see the Prime Savings guide). And specialists are predicting further drops within the near future.

With Retail Prices Index inflation, at 4.7%, nonetheless effectively above the after-tax return on just about each commonplace savings account, it's almost impossible to make your money develop in real terms if the cost of residing keeps rising on the same pace.

Almost all offers are now losings accounts as your purchasing energy shrinks once you deposit cash so it's essential to find one of the best charges attainable to offset the loss.

Rates slashed

This week we've seen:

Bank of Baroda, which had hogged many of the fastened charge greatest buys, lower its one, two, three and five-year fixes by as much as 0.3 proportion points.

ICICI Bank, which featured high in one of the best-buys, has minimize numerous rates. As an illustration, its three-year fix has gone from 4.15% to 4%.

Aldermore Bank, one other high flyer, has cut some its greatest rates by as much as 0.26 percentage points. Its one-12 months repair is down from 3.01% to 2.seventy five%, for example. It has also cut some of its fixed price cash Isas. Its market-leading one-yr deal is now at 2.eight%, from three% (see the Top Cash Isas guide).
Kevin Mountford, from price comparability site Moneysupermarket.com, puts the speed cuts right down to banks having crammed their desired customer quota somewhat than any important shift within the economic climate.

He explains: "The banks have in all probability acquired the in-circulation of savers they wanted with their excessive rates meaning they can now decrease them. Once you are not one of the best buy, you aren't getting the identical business.

"I believe there shall be a decreasing of charges within the weeks forward however we do not know how far which will go."

Present greatest buys

Following the cuts, the highest one-yr fix comes from Punjab National Financial institution at 3.1% (formerly Financial institution of Baroda at 3.15%). The perfect two-year deal is from Birmingham Midshires at 3.6% (previously Baroda at 3.eight%), whereas the top three-12 months offering is from the AA at 4.1% (beforehand Baroda at 4.three%).

Baroda still has the top 5-yr choice at 4.8%, though this is down from its earlier 4.9% price (see the High Savings guide).

When you take a repair your cash is normally locked away for the term, although there are exceptions. As an illustration, State Bank of India's five-year deal, which might earn you as much as 4.5%, permits withdrawals on each anniversary.

Dan Plant, MoneySavingExpert.com, cash analyst, says: "It is dangerous news for savers that charges are coming down. Though you'll be able to't beat inflation, that doesn't mean do nothing.

"Be sure to chase one of the best rates doable to minimise the impact."

Inflation stays excessive

The speed cuts are compounded by inflation remaining high in August.

The Shopper Costs Index (CPI) inflation measure, which doesn't embody housing prices, indicated the cost of living rose by 3.1% within the yr to August.

CPI stood at 3.1% in July while the present 4.7% RPI determine was down from 4.eight% in July.

If £1,000 buys you ten weekly shops now, based on the 4.7% RPI determine remaining the same for a year, you will want £1,047 to purchase the same items in 12 months. But on one of the best one-12 months repair at 3.1% a primary rate taxpayer would come out with £1,024.eighty in a year after tax.

Default Rates

The historical default rate for municipal bonds is decrease than that of corporate bonds. The Municipal Bond Fairness Act (HR 6308)[4], introduced September 9, 2008, included the next desk giving bond default charges up to 2007 for municipal versus corporate bonds by ranking and ranking agency.

Credit rating agencies

Credit standing agencies registered as such with the SEC are known as “Nationally Recognized Statistical Rating Organizations.” The following companies are presently registered as NRSROs: A.M. Greatest Firm, Inc.; DBRS Ltd.; Egan-Jones Rating Company; Fitch, Inc.; Japan Credit score Ranking Company, Ltd.; LACE Monetary Corp.; Moody’s Traders Service, Inc.; Rating and Investment Info, Inc.; Realpoint LLC; and Customary & Poor’s Rankings Services. Below the Credit score Score Agency Reform Act, an NRSRO may be registered with respect to up to 5 classes of credit ratings: (1) monetary institutions, brokers, or dealers; (2) insurance companies; (3) corporate issuers; (four) issuers of asset-backed securities; and (5) issuers of government securities, municipal securities, or securities issued by a overseas government.[1]
S&P, Moody's, and Fitch dominate the market with approximately 90-95 % of world market share.