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See how Citi is taking steps to help mitigate the effects of the pandemic, from helping clients to providing relief through funds to frontline healthcare workers, organizations such as No Kid Hungry and more. Despite the pandemic limiting options for group events, Citi was determined to do our part through meaningful volunteerism. The Citi Plex Account is a new digital checking and savings account built to make managing money simpler, smarter and more rewarding. Community Development Financial Institutions do more than provide capital, they level the playing field for communities and populations at risk of being left behind. Market attention has focused on the bearish potential return of the U.

Kikonyogo investments in the philippines hermitage capital management investment fund

Kikonyogo investments in the philippines

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A few treatments have been given outside when my patients were resting and did not require my service The brethren and sisters here are very kind tome, and are always ready to do little acts of kindness which I appreciate very much. The doctor they eMploy seems to be very much interested in the Sanitarium and the treatments. I hope all the readers of this artical will pray for the sick and also for myself who need your prayers.

Watertown; WE are of good courage, all are busy just now, aid the church building is having quite a rest. We have been having a little help since my last report. For the benefit of those who wish to donate something to help in the erection of our church and do not know to whom to send it, I would say, please address, Courtland Green, Watertown, N.

We tender our many thanks to all who have helped us, and we are still in great need of more financial aid. August 19, a dispatch came to the Buffalo Sanitarium, requesting a nurse to come at once to Saranac Lake. When the call came for me An Accident. Monday that old Sister meet the'little trials which come into our every-day Proeper had fallen at Watertown and broken her left life, with patience.

She had started for camp-meeting, stopping when in trouble, that the trials are much easier to among friends in Watertown. While upon the overcome. We had heard at the Sanitarium that street she caught her foot in a defective place in the typhoid fever was raging here, so I knew what my szdeiyalk and felr heaVily; not 'onlybreaking her work was to be.

She wrote- from the Waterone of the brethren and the nurse--Mies Crager ,the all things,'so I praise God; and mean to press from the Sanitarium, met me. She says in her letter "I can Miss Crager has been here for the past eight weeks, not go to camp-meeting this year, but this is among but returned to Buffalo August I came here to on.

Pray for me, and while you are feasting on the take her place; for she was very much in need, of good things at camp-meeting remember me. She has worked very faithfully. The brethren Our dear sister will certainly have the sympathy and sisters wefe sorry to have her go. May her sweet resignation teach I was soon by the bedside of my two patients.

I us all a lesson in trust in the Lord. Don't worry the children.. Don't indulge them foolishly. Don't repel their little confidences. Don't show the slightest favoritism. Don't lose your temper with the children. Don't leave them to much with the servants. Don't get impatient at their most unanswerable questions. Don't give way when you have decided on any plan for them.

Don't forget that they are God's children, lent to you fora season. Don't forget to ence urage them and praise their little efforts to please you. Don't worry about them. Guardian angels still exist even in the twentieth century.

Don't disagree about them. Their father and mother should always be in unison in their training. Woman's Fife. Have been together since Monday making our delivery, and can truly say we praise the Lord for the success he has given us. Nearly every one was prepared and seemed anxious to getthe books. One lady here in Norwich, who also bought a "Coming King"is quite stirred over the truths it contains.

May we have wisdom to present these truths aright. I was pleased to hear such a report. If God's people 'everywhere would improve every such - opportunity Of sowing seed, what an amount of good might he accomplished. Brethren and sisters, there is plenty of good fertile soil in which seed will grow if you will only sow it. God will water it and cause it to germinate and by and by we shall find our reward in the harvest. God has greatly blessed one aged lady who is eighty-seven years old.

She remembered the falling stars and said she expected to see Jesus come. She bought a "Bible Readings. She then gave an order 'for more of our good books. One Mr. Ackerman, 86 years old, who lived four miles from where I am canvassing, sent word for me to come to his place as he wanted to see those books.

I went praying and praising God, asking his guidance and his help in presenting them. He took three books, and I sold thirty-seven dollars worth in his locality in fifteen hours. As I reached the home of Brother and Sister Geers Friday evening, tho much wearied with feet swollen, I could only praise God for a part to act in this closing work. A hearty welcoine from our brethren and sisters lightens the load, even if we work beyond our strength.

MANY of the members of our large churches are doing comparatively nothing. They might accomplish a good work if, instead of crowding together, they would scatter into places that have not yet been entered by the truth. Trees that are planted too thickly do not flourish.

The same rule several meta. After awhile. Many of leaving his paper'"in the seat. Presently a young the members are dying spiritually for want of this gentleman and lady entered the ear and occupied very "work. They are becoming, sickly and inef the seat, where lay the paper.

The lady picked it ficient. Transplanted, they would have room to up, and after a few remarks, the young man said, grow strong and vigorous. Down It, is not the purpose of God that his people should colonize, or settle together in large communities. Helps Del. Evans Arthur W. Triechel, Misscellaneous Sales Totals. Testimony Vol. When the devil tempted Christ he took him to the pinnacle of the temple, and into an exceeding high mountain.

It is possible he may seek to do the same to us. UNAIDS works with a broad range of partners - governmental and NGO, business, scientific and lay - to share knowledge, skills and best practice across boundaries. Red Red is the Spanish network of non-governmental organizations. Red was created to express the diverse voices of the Spanish HIV Community and to implement action programs.

Red works specifically to develop the rights and responsibilities of individuals, families and communities throughout Spain. Red also devotes special efforts to community co-operation projects with Latin America and Mediterranean countries. Red pursues its goals through self-support, dialog, lobbying and advocacy. Early international conferences focused on sharing research and medical findings about what was a relatively new disease.

More recently, as our understanding of the basic science and natural history of HIV infection has steadily increased, more attention has been devoted, as an essential component of the Conference Program, to creating opportunities for sharing our understanding in social, public health and community-related areas, including local and national experiences in response to the epidemic.

The main goal of the Barcelona Conference - to ensure that knowledge gained from science and experience is now translated into action - is derived from the Barcelona Framework. The Barcelona Framework has served as the basis to identify the Conference theme and to construct the Conference Program.

The theme was selected to reinforce the need to review the knowledge gained through science and experience, and use this knowledge to commit to action. Over the years, knowledge gained from the basic and clinical sciences has been dramatically important, and has contributed greatly to increasing the life expectancy and quality of life of affected persons.

Moreover, prevention efforts have succeeded in reducing the rate of new infections in many populations around the world, though there is still much work to be done in this area. The pandemic is expanding in many parts of the world, particularly among poor and other vulnerable populations, and access to new diagnostic and therapeutic strategies is available to only an extremely small percentage of at-risk and affected people.

As a result, it is now clearer than ever that progress in the fight against this pandemic will depend not only on scientific developments, educational programs and support programs, but also on political commitment to act globally. In particular, the Barcelona Conference Program is structured to facilitate participation by the increasing number of people who, from all sectors, are working to turn research into effective programs and actions. The two components will be linked through skills building and bridging sessions.

Biomedical, Behavioral and Social Sciences Tracks in the Biomedical, Behavioral and Social Sciences component will share information and data from the biomedical, behavioral and social sciences as well as from public healthrelated areas.

This component will address specific research questions and hypotheses in tracks A to E. Abstract contents will be research-based data using established scientific methods. Track A: Basic Sciences This track will highlight all aspects related to HIV structure and replication and its regulation as well as host immune responses. Drug discovery, research on vaccines and development of animal models will also be addressed. This track will be of particular interest to laboratory researchers and clinicians involved in basic principles of HIV.

Track B: Clinical Sciences and Care This track will highlight the characteristics and clinical course of HIV infection and related diseases, the evaluation of diagnostic and therapeutic tools, including resistance tests, and the clinical trials and cohort studies which provide the scientific basis for therapeutic interventions and care. This track will be of particular interest to investigators and clinicians participating in clinical research related to HIV-1 infection.

Presentations Final Program. This track will also address methodological and ethical issues in HIV prevention research. This track will be of particular interest to those involved in advancing multidisciplinary biomedical, behavioral, and social sciences investigations of HIV prevention. Track E: Social Sciences This track will highlight the scientific investigation of behavioral, social, economic, political and cultural mechanisms underlying the risk of, and protection from, HIV infection and AIDS, access to and continuity of care and treatment, and will assess the psychological and social impact of the epidemic on individuals, communities and society as a whole.

This track will be of particular interest to people concerned with the social and economic dimensions of the epidemic who are using concepts, approaches, and frameworks derived from the wellestablished body of knowledge of social sciences and the methodological tools of scientific research. Sessions will focus on sharing lessons learned. Types of Sessions Plenary Sessions The world's most distinguished researchers, community leaders and policy specialists have been invited to give plenary lectures during the Conference.

Plenary Sessions will bring together all conference participants each day at Palau St. These sessions will be devoted to a specific topic and will include presentations that cut across the disciplines represented in the seven tracks. The first plenary lecture will be the second Jonathan Mann Memorial Lecture. Oral Abstract Sessions The Oral Abstract sessions are based on track-specific, peerreviewed abstracts.

Speakers will be allowed a ten-minute presentation followed by a five-minute discussion. Questions from the audience will be encouraged and facilitated by the session chairs. All Oral Abstract presentations will also be displayed as posters from Monday to Thursday in Palacio 4, level 1. Senior Lectures and Special Events The program also includes non-abstract driven sessions by invited speakers.

Their aim is to review specific topics and issues, and they will be presented by well-known researchers and political leaders. Bridging Sessions Bridging Sessions have been organized to enhance the dialog among tracks and Conference participants and to allow the opportunity to share knowledge and experience. Bridging Sessions cross boundaries of individual track components and include presentations from at least three different tracks and both program components.

Bridging Sessions have been structured to encourage significant audience participation and discussion. Poster Presentations and Exhibitions The Poster Exhibitions have been generated from peer-reviewed abstracts and will cover a wide variety of topics organized by track. Posters will be displayed from Poster exhibitors will be at their posters between oo and oo to answer questions and provide further information on their study results.

In addition, specific posters have been selected for Oral Poster Presentations in each track, between and Symposia and Debates Other formats, such as Symposia and Debates, cover current issues on various topics. Invited speakers in debates will present pros and cons of the topic. Symposia deal with important, state-of-the-art issues which do not have simple solutions.

In both types of sessions, audience participation will be encouraged. Oral presentation of late-breaker abstracts is seven minutes each with three minutes allocated for questions. Late breaker posters will be displayed in the Poster Exhibition on Thursday July ii, in Palacio 4, level 1. Rapporteur Sessions Each day, rapporteurs for each track will report the highlights of the Conference in the daily Conference newspaper. On the last morning of the Conference, a final summary for each track will be presented by the chief rapporteur for each track.

This session summarizes and synthesizes the presentations made during the week, focusing on critical issues addressed and important results presented. After a morning session where Forum delegates are welcomed to the Conference, there will be an afternoon session during which individuals and groups will be able to meet others in the same field, with the same interests, to exchange ideas, lessons learned, strategies and contact details.

There is very little time to do this important networking activity once the Conference is under way, so it is hoped that communities will be able to take full advantage of this platform to, at the very least, start this process in a practical way. The program has been developed with the principal aim of advancing the development of new skills or improving existing skills through new learning partnerships, and new approaches to problem solving.

Skills Building Workshop Content Criteria: The selected workshops are both creative and innovative, and comply with at least one of the following criteria: 1. New strategies for better living with HIV: information access, treatment issues, emotional or physical changes, spiritual needs 2.

Population-specific strategies for HIV prevention and harm reduction work 3. Gender, sexuality or age-specific issues 4. New ways of involving HIV affected communities, scientists, health and public policy professionals in the design, planning, implementation and evaluation of programs and services 5. New or strategic uses of scientific research, surveillance methods, treatment management or diagnostic tools, to cover the needs of health care and science professionals and community workers in different resource settings.

These scholarship recipients were selected from a pool of over 9,ooo applicants from around the world, according to a scoring system and a set of criteria established by the Scholarships Working Group - an internationally representative group of people nominated by the Conference Organizing Committee. The Scholarships team, made up of the Scholarships Unit and a group of volunteers, will be present throughout the Conference to provide support to delegates within the program so that their Conference experience can go as smoothly as possible.

We would love to meet you and would be happy to welcome you in the Scholarships Lounge. The program has recruited approximately 1, volunteers who will offer extra hands, minds, knowledge, skills, and provide support for the smooth running of the Conference and help to ensure the well-being of all the delegates attending.

It will promote active citizenship and encourage the expression of individual commitment through collective movements, enhancing human potential and the quality of daily life, thus building up human solidarity. Final Program. You will find an Exhibition Catalog in your delegate bag, giving the complete listing of exhibitors with details to help you locate each organization. This will be a perfect opportunity for delegates to come face to face with the groups who are working to fight the epidemic in Spain, to learn from and to share experiences with them.

As well as useful practical information, it lists all the oral sessions, poster presentations and poster exhibitions. An index of presenting authors is given at the back of the book. When you picked up your delegate bag, you also received the Abstract Books. The printed version consists of 2 volumes, the first for Monday and Tuesday and the second for Wednesday and Thursday.

These volumes comprise abstracts presented orally in abstract-driven sessions, in oral poster presentation sessions and in the poster exhibition. Xiulet the Conference Newsletter Each delegate will have received a copy of the third issue of the Conference Newsletter, Xiulet, in the Conference bag.

This Conference edition includes information on a large and important group of people who become indispensable to all during the Conference week - our Volunteers, always around, highly visible, and ready to assist all. Spanish and French versions of Xiulet will be available in different areas of the Conference, for example, at the information counters, in the Poble Espanyol, the PWA Lounge and the Scholarships Lounge.

SScoring and Selection of Abstracts Organizing the submitted abstracts into a Conference Program is a challenge of balancing excellence and relevance. A total of 10, abstracts were received. Each abstract was sent to three reviewers selected by computer from a panel of 1,oo reviewers. The panel of reviewers was prepared using Medline searches, past reviewer lists and suggestions from Conference Committee members. Reviewers were sent about abstracts to review; they received the abstracts without the names of the authors, thereby making the review a blinded process.

When the reviewers' notes were received, they were collated and the average score for each abstract calculated. The highest scoring abstracts have been organized into the various oral track sessions. The next group of high scoring abstracts have been organized into groups of six oral poster presentations per track per day. Of the remaining abstracts, 5, have been organized into the poster exhibitions, The Barcelona Conference will have about 1, posters exhibited each day, and 2, will be included in the CD-ROM format of the Abstract Book.

Unfortunately 1, abstracts had to be rejected. The rejection rate of These sessions will be held on a rotational basis in English, Spanish and French and will provide many useful insights for all. See you there! This promises to be an opening ceremony to remember. The Conference will present an impressive blend of Mediterranean culture and key voices in the epidemic today.

Throughout, Els Comediants, a theater group of spectacular proportions, will offer a thoughtful and enchanting performance. Please note: Admission to the Opening Ceremony is with Conference Badge or special printed invitation only. Guests must be seated no later than Jordi Time: There will be a reception immediately following the Opening Ceremony to welcome all delegates, accompanying persons and exhibitors to the Conference.

A selection of tapas and cava will be accompanied by musical entertainment and the Catalan spectacle of human towers, castellers. Where is it going? Participants will be trained in research methods with a special focus on H IV prevention information and explore the importance of ethnicity and location in the creation of projects to serve transgendered persons.

Participants, using their rational and emotional intelligence will identify the individual and social limitations that keep people from staying on treatment and will develop actions for change. During the workshop, costumes, makeup and music will be used in a theatre staging involving the participants in different roles related to each one of the medications in antiretroviral treatment.

Participants will critically assess different peer education approaches and identify strategies they can use within their work. The workshop will also address social, political and cultural issues in peer education. We will draw on international experiences that will highlight issues that need to be addressed in working with sex workers, as well as exploring ways of incorporating sex workers as an affected community into the design and running of programs on HIV prevention and care.

The workshop will build on skills necessary to stimulate, support and sustain community development among sex workers. The workshop will have hands-on demonstrations of collection methods. The relative strengths and weaknesses of the assay collection methods will be discussed for virology, immunology, and pharmacology.

We will talk about how to identify treatment needs in a community or region and how to address those needs across borders and cultures, through a community Treatment Advocacy program. Participants will leave the workshop knowing where to obtain treatment knowledge, how to network, how to work in different settings and how to transmit this knowledge to others - they are the new trainers!

Participants will look at case studies and explore why some advertising works and some doesn't. Participants will work individually and in groups to apply the skills identified to their own work realitites. Rules of natural justice are also an integral part of common law. Information and training on such precedents, and on the developments in the human rights standards of PLWHAs imparted to lawyers, Human rights activists, PLWHAs, and other persons working at a grassroots level, will ensure that HR standards are more effectively used in the protection and promotion of human, civil, personal, and political rights of PLWHAs.

These are the objectives of this workshop. This strategy, the Synergy Programming Framework, is a five phase, cyclic strategy that includes: assessment, program planning, intervention design, implementation monitoring, and evaluation.

Participants will be able to transfer these new skills to their workplace. However, less effective informational approaches to "counseling" are still widely used. This interactive, skills-building workshop will reinforce the understanding of the differences between an informational approach to HIV counseling as opposed to the HIV prevention counseling approach.

Participants will develop prevention counseling skills and explore other methods of counseling. Through analysis participants will initiate a process of understanding value-systems in their community. We will teach participants how to estimate coverage in the area they work in, how to allocate resources to reach more patients and how to improve quality. We will also work on monitoring and evaluation tools.

The model used is based on work carried out in Zambia. Participants will share and explore the use of various art forms in HIV and reproductive health education work with children and youth and analyze the issues around the use of these art forms.

The workshop will involve the development of advocacy material arising from the cross border, cross cultural experiences of the facilitators and participants. It provides HIV prevention educators working with same-sex attracted men in Western industrialized societies with the opportunity of exploring their own class backgrounds and reflecting on the impact of class differences on their educational interactions.

The workshop will provide the opportunity to learn about the vulnerability of migrants and ethnic minorities, e. The focus will be to develop skills to mobilize communities, to make a community diagnosis and a needs assessment and to implement cross-actions between the North and the South. Facilitators: G.

FOREX TRADING SIGNALS INDICATORS

Basajja loses sh13b in land deal By Vision Reporter. City businessman Hassan Basajjabalaba has lost sh13b in a bad land transaction. Basajja loses sh13b in land deal. Related articles. Vote wisely, PWDs told. More From The Author. Kabarole residents protest. Woman stabs husband to death. Print A A A. TAGS: Business news. Most Read Most Commented. Life and style. These are the most common type of investments there is.

You basically deposit a sum of money and it will be held securely and limits withdrawal. The three main areas that it covers are food, energy, and metal. How it works is that investors can buy these commodities at a lower price on a certain date and sell them at a higher price in the market when they go up. A security future is also an agreement designed to buy or sell, except instead of commodities it would be on shares of stocks.

This is the capital sourced from different investors. Mutual funds count as a type of investment fund. There are several possible ventures in real estate investment in the Philippines. These options include leasing land, condotel investing , renting property, land partnership , and many more. There are investments that ensure a much more comfortable life for you and your loved ones. These are the common investments that most people already have the funds for. Insurance is a definite investment that everyone has to acquire.

This investment comes in handy when emergencies come around. And when people want to live the rest of their life comfortably when they eventually stop working, then they would have to invest in a Retirement Fund at a young working age. Here are a few tips and insights:. Assess your capabilities to keep up an investment before signing any contract. But if generating income is not a big problem, then you would need to run a trial before risking it all.

Test it out by going with lower investment vehicles and slowly build up as you go along. That way, you would leave yourself some room to grow. Allocate an emergency fund for just-in-case moments. With as little as Php to Php 5,, you can already start investing for your future. The actual initial investment starting amount of your investment and minimum additional placement will ultimately depend on where you choose to invest and what their requirements are.

While you may not get instant gratification when you start investing now, the difference that time makes can help you in the future. Short term investments are usually sold after three years or less. Examples that fall under this category are stocks, mutual funds, and a few bonds and bond mutual funds.

Meanwhile, long term investments can last for up to a year period. These also include stocks alongside ETFs, real estate, and retirement funds. The advantage of keeping your investments for the long ride is that you would probably get much more profit the longer that you keep it up. But it ultimately all boils down to the goals that you have in mind. While it is alright to have short term investments, make sure that you have some money left to put into some long term investments as well.

Considering everything that you would need in order to start your investment plan, take a look at the possible investment vehicles in the Philippines that you can pursue this Because the process involves letting out money, a common misconception is that you need to have a lot of it stored away before starting. But contrary to popular belief, anyone can actually start investing in the Philippines even with a small amount. There are several kinds of investments that require quite a low minimum investment rate which you can easily avail of.

Here are the common investments that you can make on a budget. Buy Term and Invest the Difference is essentially an investment strategy that involves buying term life insurance and investing the difference in other investment vehicles, hence the name. This philosophy gives you the opportunity to spread out your investments elsewhere.

In order to understand how BTID works, here are some things you need to understand about life insurance. There are two main types, namely term life insurance , and whole life insurance. Whole or permanent insurance is much more costly because of the additional advantages it maintains over term investments. These plans usually last up to when you are 88 to years old. However, this is what makes them relatively more expensive than term life insurance, usually five to ten times the cost.

This is because it covers the death of only one beneficiary within a span of 5, 10, 20, or 30 years. The perks? Besides being insured for worst-case scenarios in that period of time, you are in total control of your investment plan. So you could potentially make a lot more investing in other vehicles rather than centralizing your budget in a whole life insurance plan.

It is the DIY nature of this strategy that makes this practice a wise and better decision if you want to have more control over how much you make in investments. Plus, investment returns are much higher when you invest in term insurance. As mentioned above, everything is taken care of when you purchase this plan. With most VUL plans to guarantee a 7. The biggest advantage of this strategy is its convenience.

ETF or Exchange-Traded Fund is an open-ended investment fund that holds assets like stocks, bonds, commodities, and many others. They hold similar characteristics to mutual funds. The difference is that ETFs are traded within the day rather than being purchased with the end-of-day value.

This ultimately combines the ability to diversify that mutual bonds possess with the flexibility of the stock market. Unlike some mutual funds, ETFs are always transparent, giving daily updates. The First Metro Philippine Equity is the place to go to start this investment fund in the Philippines.

With an idea of what bonds are from the information given earlier in this article, here is a proper introduction to how it works in the Philippines. There are two types of bonds you can invest in the Philippines, namely corporate bonds and government bonds. Likewise with government bonds. There is no guarantee of which of the two are better to go for since they differ in risk profile as well.

Corporate bonds often have higher yields, but this is because of the higher risks it carries most of the time. Most banks can help you get started with investing in corporate bonds. Several banks also carry Government bonds that you can ask about. The information on how to get started is public knowledge and will most likely be posted on their website. You can contact them online to get a better perspective of how it works. With it constantly changing, you need to be updated at all times.

Popular corporations like Jollibee, San Miguel Corporation, and Aboitiz Power Corp are just some of the industries that rely on stockholders. You should also consider the price and risk factors going in. The perfect opportunity in stocks is when you buy stocks for a low price and are able to sell for a much higher cost. On average, you can expect about Mutual funds dip into a little bit of everything. A mutual fund company basically collects funds from different investors and distributes them to stocks, bonds, money market instruments, and more.

These are the four types of mutual funds that you can find in the Philippines:. These funds have the highest risk involved with the goal of a long term capital growth inset. They do, however, get the biggest returns usually within five years or more. These are short-term funds for investments like corporate bonds and time deposits, usually with an investment timeframe of a year or less. This is your safest bet, though it generates the least amount of income compared to other MFs.

With a higher risk than bond funds, balanced funds invest in a mix of stocks, bonds, and money market instruments for moderate risk. MFs are professionally managed by companies that pool funds to spread out to different investment vehicles.

Be wary of mutual fund company scams that can be found online. They are all required to follow the Investment Company Act Republic Act , which makes this investment relatively less risky because of being constantly monitored by the government. You can expect 2 to 5 percent on average returns in this investment. The Foreign Exchange Market is a global decentralized marketplace for exchanging national currencies against one another. Because of its international reach of commerce, trade, and finance, this has become the largest and most liquid asset markets.

Taking a chance on forex trading can be rewarding but requires a lot of practice to get the hang of it. You will need an experienced broker that can do the analysis you require. Plus, you will need to construct a solid strategy to apply to get the hang of it.

Remember that buying and selling is a tricky thing, so you need to have good judgment of your entry and exit time. With possible average returns of 1 percent straight up to 10 percent monthly, the reward that comes with well and carefully managed forex trading is quite high. It is a must that you save up for your retirement as soon as you start working.

The US has tax retirement plans such as ks and IRAs to help them invest for retirement much easier. Plus, it helps them better grow their interests compared to banks and comes with some tax advantages. Find these investment plans interesting and wish you could give them a try? Well, you most certainly can because the Philippines has its own version of the ks and IRAs.

This plan lets you invest once a year until you are 55 years old with an average return of 5 to 15 percent yearly. The main perk of this plan is the tax benefits that come along with it. Income earned from PERA is not taxed. Small businesses have become a popular vehicle for investment for people with full-time jobs that want something on the sideline. Going into a small scale business may not require as much starting capital compared to the capital needed for a full-time growing business, but it will need some time and effort put into it as well.

Several popular small businesses resell items that they buy in bulk for the wholesale price and sell them for retail. Others create products that people would buy such as food or souvenir crafts. This investment can eventually turn into something more if you want to grow it. By selling online or being recommended by customers to the people they know, it is possible for this investment into a much bigger venture.

Not only will it secure you financially for the future, but it may also turn your future around completely. Cryptocurrency investment in the Philippines has been increasingly piquing the interests of Filipinos everywhere since everything is shifting towards the digital. But because it is internet-based, it is understandable how people can be quite apprehensive about it because of the mistrust shrouding the online world.

Here are some general notes to keep in mind about cryptocurrency:. This is the most popular form of cryptocurrency in the Philippines that investors seem to flock to. It is, after all, the very first established cryptocurrency. To invest in Bitcoin is similar to other investment vehicles.

First, you let out cash via digital wallets that hold BTC, which most virtual exchanges do. Then you check websites the Coin Market Cap website to check out current prices. You can either transfer your Bitcoins to exchanges, buy from sellers, or transfer your BTC from your digital wallet to exchanges.

As of the moment of this writing, 1 BTC is more than Php , and may have either increased or decreased since. The average return in this investment is high, but so is the risk that comes along with it. It has cheaper transfer fees, faster transfer times, and can handle more transactions per second compared to Bitcoin. Be wary before investing in this cryptocurrency. Litecoin or LTC is a peer-to-peer cryptocurrency that is also a software based on an open-source cryptographic tool.

Such as the previous currencies, LTC is also decentralized and is slightly identical to Bitcoin. The difference of Litecoin from Bitcoin is that it processes a block within 2. It also uses scrypt algorithm, which makes it more difficult to create and more expensive to use than Bitcoin. This cryptocurrency is slowly gaining popularity in the Philippines and other countries around the world as an alternative to bitcoin.

Ethereum or ETH is an open-source blockchain that features many of the same characteristics as bitcoin. It is also decentralized and can be used to make payments, as collateral, or as a store of value. But unlike other cryptocurrencies, Ethereum features a scripting functionality. It is programmable, meaning developers can build new kinds of applications. Almost all cryptocurrency exchanges in the Philippines trade Ethereum, with 1 ETH being more or less Php 6, as of the moment.

There are certain investments that you can make without you having to stress about it on a regular basis. With a bit of an entrepreneurial drive and excellent judgment, you can have a. Here are the different types of vehicles that allow you to simply let out your investment funds and have everything else taken care of.

The internet has given many more opportunities for anyone to grow a fortune. One way is investing through websites, which have become avenues for online advertising and the like. Instead of creating a website from scratch, find an already created website to invest and revamp, much like a relaunching. There are several websites for auction online that you can buy through sites like Flippa.

And because the sites also offer support, you have to invest only about hours a week of your time. Before jump starting an investment in the online world, there are a few considerations that you have to make in order to gain profit from it. Here are a few tips before getting into website investment:. You need to be familiar with how e-commerce works as well as how to operate a website.

Even with assistance, you would still need some knowledge on how to run websites like the platforms it uses e. And as for the e-commerce side of things, know the products or services it tends to, the target market that it caters to, and what further business plans can push it to grow. Sellers have to post the reason why they are selling their sites.

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Guardian angels still exist even in the twentieth century. Don't disagree about them. Their father and mother should always be in unison in their training. Woman's Fife. Have been together since Monday making our delivery, and can truly say we praise the Lord for the success he has given us. Nearly every one was prepared and seemed anxious to getthe books. One lady here in Norwich, who also bought a "Coming King"is quite stirred over the truths it contains.

May we have wisdom to present these truths aright. I was pleased to hear such a report. If God's people 'everywhere would improve every such - opportunity Of sowing seed, what an amount of good might he accomplished. Brethren and sisters, there is plenty of good fertile soil in which seed will grow if you will only sow it.

God will water it and cause it to germinate and by and by we shall find our reward in the harvest. God has greatly blessed one aged lady who is eighty-seven years old. She remembered the falling stars and said she expected to see Jesus come. She bought a "Bible Readings. She then gave an order 'for more of our good books. One Mr. Ackerman, 86 years old, who lived four miles from where I am canvassing, sent word for me to come to his place as he wanted to see those books.

I went praying and praising God, asking his guidance and his help in presenting them. He took three books, and I sold thirty-seven dollars worth in his locality in fifteen hours. As I reached the home of Brother and Sister Geers Friday evening, tho much wearied with feet swollen, I could only praise God for a part to act in this closing work.

A hearty welcoine from our brethren and sisters lightens the load, even if we work beyond our strength. MANY of the members of our large churches are doing comparatively nothing. They might accomplish a good work if, instead of crowding together, they would scatter into places that have not yet been entered by the truth. Trees that are planted too thickly do not flourish. The same rule several meta. After awhile. Many of leaving his paper'"in the seat.

Presently a young the members are dying spiritually for want of this gentleman and lady entered the ear and occupied very "work. They are becoming, sickly and inef the seat, where lay the paper. The lady picked it ficient. Transplanted, they would have room to up, and after a few remarks, the young man said, grow strong and vigorous. Down It, is not the purpose of God that his people should colonize, or settle together in large communities. Helps Del. Evans Arthur W.

Triechel, Misscellaneous Sales Totals. Testimony Vol. When the devil tempted Christ he took him to the pinnacle of the temple, and into an exceeding high mountain. It is possible he may seek to do the same to us. La us beware of the pinnacles of selfexaltation. Danger lurks th re. I had known that this' institution was in pressing need of substantial help, but I had not understood the real condition of the school.

That which I saw staggered roe I asked myself, 'How can the brethren in the South, who have seen the needs of this school remain' silent In what light does God regard the failureto bestir themselvesin an effort to place this schonl on vantage ground How can he acquit the sight' of their eyes The equipment of this schdol is very incomplete. Even some of the most common, necessities are lacking.

There are no proper facilities for treating the sick. Those who attend this school have been getting along with crude Makeshifts, hoping that in time some of the necessities would be supplied. Elder Lane is attending the Connecticut camp-meeting this week at Middletown, Conn.

There will be a supply of our papers at the Office tent. Among these sample copies of the new health journal Life and Health may be had. The next-- issue will bear, date of September MEN who try to 'grind 'ihe edge off 'theBible must fear the sword of the Spirit.

Monday being Labor Day. This may account for some articles not appearing this week intended for this paper. The preacher who wants to make. The Ram's Horn. Under this head will be published short business notices for 25e for one insertion. Notice notto exceed four lines.

A man for two months on a farm at once. Help fOr grape harvest Please state age and experience in the work if any. Address, L. Nelson, Fredonia, Chautaqua Co. Route The following are some of the expressions made regarding the work that should be done there Friends writing to friends on the camp-ground should address their letters to Sandy Creek. The railroad station is Lacona, but the Sandy Creek posboffice is the nearest to the camp-ground. Sister George Carr, of Gorham, N. For imformation and particulars write Sister Carr at above address.

By tbe,time this paper reaches its readers,the camp-meeting will be commencing. It will not be too late for those who ' have not gone to come. If it is impossible for you to attend at the beginning, come during the meeting and stay until the close. Just when the best of the wine will be served by the Master it is impossible to tell.

Brother Cuno P. Las sesiones de la conferencia se han organizado para presentar nuevos datos y una amplia revisi6n de los esfuerzos realizados por todos los parses y en todas las disciplinas - desde el laboratorio hasta las intervenciones de campo y las politicas sanitarias. Los componentes cientficos y comunitarios del programa han trabajado para coordinar y complementar los intereses, la experiencia y el conocimiento de cada uno de los 7 Tracks del mismo.

Por favor, t6mese su tiempo para revisar el Programa Oficial y para familiarizarse con el formato optimizado de la conferencia para Barcelona AIDS , que incluye nuevos itinerarios y nuevos formatos para las sesiones. Aproveche esta oportunidad en la conferencia para enriquecerse y disfrutar del encanto de Barcelona, Cataluha y Espafila - sus lenguas, su cultura, arquitectura, cocina y sus gentes. Su participacidn es bdsica para ello y esperamos que ademds sea una experiencia profesional y personalmente gratificante.

It will be a great challenge to match the success of Durban in In Barcelona, we face the difficult task of forcefully pushing for the action that is still so desperately needed to curb the further spread of HIV. We must also find ways to speed the resources promised by the international community to expand access to treatment in the South and to hold all governments accountable to the UNGASS declaration. No one should underestimate the political force of the Conference if we all pull together.

The vital role of civil society in promoting HIV prevention, care and equitable access to treatment is more evident than ever. One of our greatest strengths for the future lies in strong local grass-roots movements and NGO networks, many of whom are represented here this week. We are committed to highlighting the plight of the South and calling for increased global solidarity.

The Barcelona Conference comes at a pivotal time when the world needs to mobilize in earnest all its resources for a concerted assault on HIV. We count on delegates to broadcast the message that H IV is preventable and treatable, and that now is the time to put words into action. Lars O. How many more still need to be broken? The Barcelona Framework has indeed been a challenge to implement and translate into reality, but the Conference has managed to create a sufficient integration of "science" and "community" throughout the Conference program.

Our challenge as science and community however, is ensuring that the integration is turned into reality on the country level, and translating the benefits that can come from this collaborative relationship into meaningful action. The Conference program is full and varied, and the opportunity has been created for you to learn, share, participate and develop understanding.

We need to ensure that these conferences are not seen in isolation; but that we use them to account for our responses and actions, and that we ensure that our actions are informed by relevant knowledge and supported by appropriate and sustainable commitment. These conferences are a small but important part of the way in which we respond to the epidemic, and you are an important part of that response.

It is however, equally important that you take the knowledge that you have gained at this Conference back home with you, share the information with communities in order to strengthen our collective action which will assist us to define the way in which we all try to live with this virus every day. I wish you an energized and informative conference.

After the Conference, the Foundation will continue with its other work of implementing research projects to improve and extend intervention programs in the biomedical and public health fields, both nationally and internationally. It has particular interest in setting up projects in co-operation with Latin America, the Caribbean and other Mediterranean countries. The technical experience of the Spanish scientists and their cultural links with agencies and organizations of the Latin American and Caribbean region are of special interest.

The IAS has more than o,ooo members representing more than countries. The IAS is a worldwide organisation founded in It is politically and financially independent and can speak freely as a voice of reason in AIDS controversies. The next conference in this series will take place in Paris, July , The IAS runs three major global programmes: IAS Share is the not-for-profit educational programme of the IAS, focused on clinical care and prevention of H IV infection, primarily directed towards developing countries and countries in economic transition.

E-mail: ias. E-mail: j. Designed to face the emerging problem of HIV drug resistance, this programme will collect and distribute data on the circulation of drug-resistant HIV strains in treated and untreated individuals, and make this data available as a resource for scientists and clinicians worldwide. IAS international headquarters are located in Stockholm, Sweden. Each region has its own priorities and programs. ICW was founded in Amsterdam in in response to the desperate lack of support and information available to HIV positive women worldwide.

ICASO is composed of 5 secretariats in each geographical region, and a central secretariat in Canada. UNAIDS mobilizes the responses to the epidemic of its seven co-sponsoring organizations and supplements these efforts with special initiatives. Its purpose is to lead and assist an expansion of the international response to HIV on all fronts: medical, public health, social, economic, cultural, political and human rights.

UNAIDS works with a broad range of partners - governmental and NGO, business, scientific and lay - to share knowledge, skills and best practice across boundaries. Red Red is the Spanish network of non-governmental organizations.

Red was created to express the diverse voices of the Spanish HIV Community and to implement action programs. Red works specifically to develop the rights and responsibilities of individuals, families and communities throughout Spain. Red also devotes special efforts to community co-operation projects with Latin America and Mediterranean countries. Red pursues its goals through self-support, dialog, lobbying and advocacy. Early international conferences focused on sharing research and medical findings about what was a relatively new disease.

More recently, as our understanding of the basic science and natural history of HIV infection has steadily increased, more attention has been devoted, as an essential component of the Conference Program, to creating opportunities for sharing our understanding in social, public health and community-related areas, including local and national experiences in response to the epidemic. The main goal of the Barcelona Conference - to ensure that knowledge gained from science and experience is now translated into action - is derived from the Barcelona Framework.

The Barcelona Framework has served as the basis to identify the Conference theme and to construct the Conference Program. The theme was selected to reinforce the need to review the knowledge gained through science and experience, and use this knowledge to commit to action. Over the years, knowledge gained from the basic and clinical sciences has been dramatically important, and has contributed greatly to increasing the life expectancy and quality of life of affected persons.

Moreover, prevention efforts have succeeded in reducing the rate of new infections in many populations around the world, though there is still much work to be done in this area. The pandemic is expanding in many parts of the world, particularly among poor and other vulnerable populations, and access to new diagnostic and therapeutic strategies is available to only an extremely small percentage of at-risk and affected people. As a result, it is now clearer than ever that progress in the fight against this pandemic will depend not only on scientific developments, educational programs and support programs, but also on political commitment to act globally.

In particular, the Barcelona Conference Program is structured to facilitate participation by the increasing number of people who, from all sectors, are working to turn research into effective programs and actions. The two components will be linked through skills building and bridging sessions. Biomedical, Behavioral and Social Sciences Tracks in the Biomedical, Behavioral and Social Sciences component will share information and data from the biomedical, behavioral and social sciences as well as from public healthrelated areas.

This component will address specific research questions and hypotheses in tracks A to E. Abstract contents will be research-based data using established scientific methods. Track A: Basic Sciences This track will highlight all aspects related to HIV structure and replication and its regulation as well as host immune responses. Drug discovery, research on vaccines and development of animal models will also be addressed. This track will be of particular interest to laboratory researchers and clinicians involved in basic principles of HIV.

Track B: Clinical Sciences and Care This track will highlight the characteristics and clinical course of HIV infection and related diseases, the evaluation of diagnostic and therapeutic tools, including resistance tests, and the clinical trials and cohort studies which provide the scientific basis for therapeutic interventions and care.

This track will be of particular interest to investigators and clinicians participating in clinical research related to HIV-1 infection. Presentations Final Program. This track will also address methodological and ethical issues in HIV prevention research.

This track will be of particular interest to those involved in advancing multidisciplinary biomedical, behavioral, and social sciences investigations of HIV prevention. Track E: Social Sciences This track will highlight the scientific investigation of behavioral, social, economic, political and cultural mechanisms underlying the risk of, and protection from, HIV infection and AIDS, access to and continuity of care and treatment, and will assess the psychological and social impact of the epidemic on individuals, communities and society as a whole.

This track will be of particular interest to people concerned with the social and economic dimensions of the epidemic who are using concepts, approaches, and frameworks derived from the wellestablished body of knowledge of social sciences and the methodological tools of scientific research. Sessions will focus on sharing lessons learned.

Types of Sessions Plenary Sessions The world's most distinguished researchers, community leaders and policy specialists have been invited to give plenary lectures during the Conference. Plenary Sessions will bring together all conference participants each day at Palau St. These sessions will be devoted to a specific topic and will include presentations that cut across the disciplines represented in the seven tracks.

The first plenary lecture will be the second Jonathan Mann Memorial Lecture. Oral Abstract Sessions The Oral Abstract sessions are based on track-specific, peerreviewed abstracts. Speakers will be allowed a ten-minute presentation followed by a five-minute discussion. Questions from the audience will be encouraged and facilitated by the session chairs. All Oral Abstract presentations will also be displayed as posters from Monday to Thursday in Palacio 4, level 1.

Senior Lectures and Special Events The program also includes non-abstract driven sessions by invited speakers. Their aim is to review specific topics and issues, and they will be presented by well-known researchers and political leaders. Bridging Sessions Bridging Sessions have been organized to enhance the dialog among tracks and Conference participants and to allow the opportunity to share knowledge and experience.

Bridging Sessions cross boundaries of individual track components and include presentations from at least three different tracks and both program components. Bridging Sessions have been structured to encourage significant audience participation and discussion. Poster Presentations and Exhibitions The Poster Exhibitions have been generated from peer-reviewed abstracts and will cover a wide variety of topics organized by track.

Posters will be displayed from Poster exhibitors will be at their posters between oo and oo to answer questions and provide further information on their study results. In addition, specific posters have been selected for Oral Poster Presentations in each track, between and Symposia and Debates Other formats, such as Symposia and Debates, cover current issues on various topics. Invited speakers in debates will present pros and cons of the topic.

Symposia deal with important, state-of-the-art issues which do not have simple solutions. In both types of sessions, audience participation will be encouraged. Oral presentation of late-breaker abstracts is seven minutes each with three minutes allocated for questions.

Late breaker posters will be displayed in the Poster Exhibition on Thursday July ii, in Palacio 4, level 1. Rapporteur Sessions Each day, rapporteurs for each track will report the highlights of the Conference in the daily Conference newspaper. On the last morning of the Conference, a final summary for each track will be presented by the chief rapporteur for each track.

This session summarizes and synthesizes the presentations made during the week, focusing on critical issues addressed and important results presented. After a morning session where Forum delegates are welcomed to the Conference, there will be an afternoon session during which individuals and groups will be able to meet others in the same field, with the same interests, to exchange ideas, lessons learned, strategies and contact details.

There is very little time to do this important networking activity once the Conference is under way, so it is hoped that communities will be able to take full advantage of this platform to, at the very least, start this process in a practical way.

The program has been developed with the principal aim of advancing the development of new skills or improving existing skills through new learning partnerships, and new approaches to problem solving. Skills Building Workshop Content Criteria: The selected workshops are both creative and innovative, and comply with at least one of the following criteria: 1.

New strategies for better living with HIV: information access, treatment issues, emotional or physical changes, spiritual needs 2. Population-specific strategies for HIV prevention and harm reduction work 3. Gender, sexuality or age-specific issues 4. New ways of involving HIV affected communities, scientists, health and public policy professionals in the design, planning, implementation and evaluation of programs and services 5.

New or strategic uses of scientific research, surveillance methods, treatment management or diagnostic tools, to cover the needs of health care and science professionals and community workers in different resource settings. These scholarship recipients were selected from a pool of over 9,ooo applicants from around the world, according to a scoring system and a set of criteria established by the Scholarships Working Group - an internationally representative group of people nominated by the Conference Organizing Committee.

The Scholarships team, made up of the Scholarships Unit and a group of volunteers, will be present throughout the Conference to provide support to delegates within the program so that their Conference experience can go as smoothly as possible.

We would love to meet you and would be happy to welcome you in the Scholarships Lounge. The program has recruited approximately 1, volunteers who will offer extra hands, minds, knowledge, skills, and provide support for the smooth running of the Conference and help to ensure the well-being of all the delegates attending.

It will promote active citizenship and encourage the expression of individual commitment through collective movements, enhancing human potential and the quality of daily life, thus building up human solidarity. Final Program. You will find an Exhibition Catalog in your delegate bag, giving the complete listing of exhibitors with details to help you locate each organization.

This will be a perfect opportunity for delegates to come face to face with the groups who are working to fight the epidemic in Spain, to learn from and to share experiences with them. As well as useful practical information, it lists all the oral sessions, poster presentations and poster exhibitions. An index of presenting authors is given at the back of the book. When you picked up your delegate bag, you also received the Abstract Books. The printed version consists of 2 volumes, the first for Monday and Tuesday and the second for Wednesday and Thursday.

These volumes comprise abstracts presented orally in abstract-driven sessions, in oral poster presentation sessions and in the poster exhibition. Xiulet the Conference Newsletter Each delegate will have received a copy of the third issue of the Conference Newsletter, Xiulet, in the Conference bag.

This Conference edition includes information on a large and important group of people who become indispensable to all during the Conference week - our Volunteers, always around, highly visible, and ready to assist all. Spanish and French versions of Xiulet will be available in different areas of the Conference, for example, at the information counters, in the Poble Espanyol, the PWA Lounge and the Scholarships Lounge.

SScoring and Selection of Abstracts Organizing the submitted abstracts into a Conference Program is a challenge of balancing excellence and relevance. A total of 10, abstracts were received. Each abstract was sent to three reviewers selected by computer from a panel of 1,oo reviewers.

The panel of reviewers was prepared using Medline searches, past reviewer lists and suggestions from Conference Committee members. Reviewers were sent about abstracts to review; they received the abstracts without the names of the authors, thereby making the review a blinded process. When the reviewers' notes were received, they were collated and the average score for each abstract calculated.

The highest scoring abstracts have been organized into the various oral track sessions. The next group of high scoring abstracts have been organized into groups of six oral poster presentations per track per day. Of the remaining abstracts, 5, have been organized into the poster exhibitions, The Barcelona Conference will have about 1, posters exhibited each day, and 2, will be included in the CD-ROM format of the Abstract Book.

Unfortunately 1, abstracts had to be rejected. The rejection rate of These sessions will be held on a rotational basis in English, Spanish and French and will provide many useful insights for all.

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