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Socially Responsible Investing for Idiots

Socially Responsible Investing for Idiots

Sí, Money! (http://simoney.us)
By Michael Grodsky

If I have to be an idiot, at the least I’m a green idiot. I believe in clean air, corporate responsibility, community activism, licorice, pizza and Thai food. And healthy living, freedom, and of course freedom raisins.

Shiny happy raisins

I love trees, sky, and ah, the OXYGEN! But I’m worried about the dismal state of health care, education funding, the ozone hole, the Medicare donut hole, and your little dog too! Did you know the North Pole is melting? That really scares me. Plus I need to cut down on my Chunky Monkey intake.

In everything I do, in every move I make, it seems that I’m part of the worldwide web of production and consumption. So I pertly place my recyclables in the blue bin, our family uses reusable grocery bags, and I vote. What more can a light-switch thumping, gasoline-pumping 21st century fox do?

C’mon, baby, light my SRI fire…

It was only a couple of years ago a friend remarked to me that real estate was the only investment that made any sense, as if his seat on the Ferris Wheel of investments, propelled by an invincible source, would forever be going up, up, UP! Instead, what happened was “up, up and away.”

The first Ferris wheel, from 1893 World Columbian Exposition in Chicago

The desire for a sure thing is hard to resist. Albert Einstein, succumbing to pressure to support the idea of a static universe, in his 1917 paper added an adjustment number called the “cosmological constant” to his equation for general relativity. In 1931 he publicly renounced this static cosmology and endorsed the Big Bang expanding universe model, ditching the cosmological constant and returning to his original equation. He later called his bowing to peer pressure the greatest blunder of his entire life. You can read about the adventure in author Simon Singh’s “Big Bang – The Origin of the Universe.”

Many philanthropic foundations have long drawn a wall between their socially conscious mission statements that drive grant making, and the investment holdings of their endowment. There is a truism that investing for social benefit results in lower returns. But just as scientific peer consensus eventually embraced the Big Bang theory, so has the thinking of philanthropic foundations changed. The reasons are twofold: A recognition that corporate responsibility and societal concerns are valid parts of investment decisions, (1) and a growing number of academic studies have demonstrated that socially responsible investment (SRI) mutual funds perform competitively with non-SRI funds over time. (2)

For example, according to University of Maastricht and Erasmus University Rotterdam economists in their prize-winning paper, “we find little evidence of significant differences in risk-adjusted returns between ethical and conventional funds for the 1990-2001 period.” (3)

Foundation investment choices seem to be increasingly guided by effect upon society as a whole, not just financial gain, according to a recent Los Angeles Times article. (4) Fresh thinking in the nation’s largest foundations may be driving the impetus ever faster: The $8.5-billion William and Flora Hewlett Foundation (Menlo Park), the $6.1-billion John D. and Catherine T. MacArthur Foundation (Chicago), the $7.8-billion W.K. Kellogg Foundation (Battle Creek, Michigan) all have made recent changes to improve the social effect of their investments. (5)

SRI assets are also growing faster than assets as a whole: according to the non-profit Social Investment Forum’s 2005 biennial report, SRI assets rose more than 258 percent from $639 billion in 1995 to $2.29 trillion in 2005. Over those ten years, SRI assets grew four percent faster than the entire universe of managed assets in the United States. (6)

Some have already been on the SRI track: the nation’s second largest foundation, the Ford Foundation, along with others such as the F.B. Herron Foundation, the Jessie Smith Noyes Foundation and the Nathan Cumings Foundation, have for a long time aligned their charitable and investment practices.

What is Socially Responsible Investing?
Socially Responsible Investing (SRI) is a broad-based approach to investing that now encompasses an estimated $2.3 trillion out of $24 trillion in the U.S. investment marketplace today. (7) The release of the United Nations Principles for Responsible Investment–subscribed to by some of the world’s largest institutional investors, asset managers, and related organizations representing over $9 trillion in assets as of mid- 2007–underscores the widespread acceptance of the principle that investors cannot, in the long run, achieve their goals by investing in corporations that externalize their costs onto society. (8)

How do I research SRI funds?
A good place to start is the Social Investment Forum (http://www.socialinvest.org). Look at the resource list at the end of this article too.

How do I start investing?
If you participate in an employer-sponsored retirement plan, there may be SRI funds already available to you. If you manage your own IRA or other plan, look into what’s available. But don’t just go adding a fund without considering the entire makeup of your portfolio.

The key to earning decent long-term returns and limiting overall risk is to have a proper asset allocation, meaning you don’t have all your eggs in one basket. For do-it-yourself-ers, check out the government’s website about asset allocation (http://tinyurl.com/2825hw), or purchase “All About Asset Allocation” by Richard A. Ferri ($13.57 at Amazon), a great introduction to the topic. Your personal financial advisor or company where you have your investment or retirement accounts can help.

How do I know which funds will produce the highest returns?
You don’t, you can’t, and you won’t, so just forget about it because past performance doesn’t predict future results. The day-to-day ups and downs of the market receive the media attention, but the daily, quarterly, or even yearly returns are largely irrelevant in constructing an individual’s portfolio whose objectives are long-range.  What you want to look for are funds that perform well over the long run within their particular sector, as compared to the appropriate benchmark indices. Various areas of the economy are always moving up and down and sideways, and so far no one has ever been able to know ahead of time what the pattern will be. Asset allocation, I’ll say again, may be the key to long-term success in building a financially secure future. Not panicking helps too!

What makes an SRI fund different?
If a prospective company is a fit according to a fund’s stated objectives, research is performed to determine whether or not it’s a good idea to buy stock at the current offering price. It boils down to the question “Within the guidelines of the stated objectives of the fund, will this purchase help to achieve the highest possible return for the fund’s shareholders?”

The three core socially responsible investing strategies are screening, shareholder advocacy, and community investing. Screening means a fund will include or exclude companies based upon criteria such as alcohol, tobacco, animal testing, and human rights, among others. These screens can be positive (e.g., including companies that treat employees well) or negative (e.g., excluding companies who do business with disturbed musicians).

Keep in mind that, as with all mutual funds, SRI funds have no guarantees of future return.

In any case, you’d better take this lad’s offering of raisins!

If you use electricity, drive a car, and participate in many other activities of daily living, in a very true sense you are already investing in the companies that allow and encourage your consumption. In other words, you are part of the “market” whether or not you actually own stocks or mutual funds. Socially responsible investing can be a way to make your dollars work toward something in which you believe, and support those companies you believe have a vision in line with your own.

Resources and suggested reading

1.    “The Mission in the Marketplace: How Responsible Investing Can Strengthen the Fiduciary Oversight of Foundation Endowments and Enhance Philanthropic Missions.” Social Investment Forum Foundation’s resource guide for foundations to manage risk and leverage their investment assets more fully with their core philanthropic purpose, while creating lasting value. http://tinyurl.com/35t49h
2.    “10 best” list of companies. Corporate Responsibility Officer magazine rates the citizenship disclosures, policies and performance of large-cap, public companies in the following industries: Auto & Vehicles, Paper, Technology Hardware, Technology Software, Transport, and Travel & Lodging industries, Chemical, Energy, Financial, Media and Utilities industries. http://www.thecro.com/node/580
3.    Social Science Research Network. http://www.ssrn.com/
4.    United Nations’ “The Principles for Responsible Investment.” An investor initiative in partnership with UNEP Finance Initiative and the UN Global Compact. http://www.unpri.org/
5.    The Social Investment Forum; national membership association dedicated to advancing the concept, practice, and growth of socially and environmentally responsible investing. http://www.socialinvest.org/
6.    Social Investment Forum’s 2005 biennial report. http://tinyurl.com/258794
7.    Sristudies.org, a resource for quantitative aspects of socially responsible investing. Includes an annotated bibliography of studies of socially responsible investing. A project of the Moskowitz Research Program, which is affiliated with the Center for Responsible Business at the Haas School of Business, University of California, Berkeley.
8.    Socially Responsible Mutual Fund Charts of Financial Performance. http://www.socialinvest.org/resources/mfpc/
9.    SocialFunds.com, an advertising-driven website with information on SRI mutual funds, community investments, corporate research, shareowner actions, and daily social investment news.
10.    “Handbook on Responsible Investment Across Asset Classes.” For asset allocation junkies, individuals and institutional investors the Boston College Center for Corporate Citizenship created this work. http://tinyurl.com/2ffqbu

Footnotes

1. The Maturing of Socially Responsible Investment: A Review of the Developing Link with Corporate Social Responsibility by Russell Sparkes and Christopher J. Cowton. Journal of Business Ethics, Volume 52, Number 1 / June, 2004.
2. SriStudies.org
3. International Evidence on Ethical Mutual Fund Performance and Investment Style, paper by Rob Bauer, Kees Koedijk, Rogér Otten. Limburg Institute of Financial Economics, November 2002. (socialinvest.org/resources/research)
4. Foundations align investments with their charitable goals by Charles Piller, Los Angeles Times, December 29, 2007. Section C, p 1.
5. Ibid.
6. 2005 Report on Socially Responsible Investing Trends in the United States. Social Investment Forum. (www.socialinvest.org)
7. Socially Responsible Investing Facts. Social Investment Forum. www.socialinvest.org
8. PRI Report On Progress 2007. PRI (Principles for Responsible Investment), United Nations. (www.unpri.org)

Image credits

Sun-Maid/George Bush composite image
•    First Sun-Maid packaging to feature a likeness of Lorraine Collett as the “Sun-Maid Girl,” 1916. Designer unknown, incorporates painting by Fanny Scafford. Public domain in the United States.
•    Photograph of Bush speaking. Brazil, November 6, 2005. Agência Brasil, a public Brazilian news agency, produced photograph. Published under the Creative Commons License Attribution 2.5 Brazil.

Fox/Morrison composite image
•    Foxes by Franz Marc, 1913. The Yorck Project: 10.000 Meisterwerke der Malerei. DVD-ROM, 2002. ISBN 3936122202. Distributed by DIRECTMEDIA Publishing GmbH. Public Domain.
•    Jim Morrison portrait, 2007, by Amadeu.taradell. Released by author into public domain.

Ferris Wheel/Superman composite image
•    The first Ferris wheel from the 1893 World Columbian Exposition in Chicago. The New York Times photo archive. Public Domain.
•    Screenshot of 1941 cartoon Superman. Fleischer Studios. This work is in the public domain because it was published in the United States between 1923 and 1963 with a copyright notice, and its copyright was not renewed.

Musician holding Valentine’s Day raisins composite image
•    Photo of musician Jeff Hawley, 2007.  Manager, Marketing Content Pro Audio and Combo Division, Yamaha Corporation of America. Courtesy of Mr. Hawley.
•    Photo, August 3, 2005 by Mazbln. Halberstadt, Klosterkirche St. Burchardi, Ort des John-Cage-Projektes “As slow as possible.” Permission is granted to copy, distribute and/or modify this document under the terms of the GNU Free Documentation License, Version 1.2 or any later version published by the Free Software Foundation.
•    Original painting of Lorraine Collett by Fanny Scafford, 1915, later used on Sun-Maid raisin packaging. Public domain in the United States.

This column is meant to provide general information, and should not be construed as providing investment, legal, or tax advice. There is no guarantee as to the accuracy or completeness of the information in this article. There are no guarantees of future return for any fund, nor an endorsement of any investment product. Mutual funds are sold by prospectus only. For complete information on mutual funds including sales charges and expenses, call your financial professional for a prospectus. Please read the prospectus carefully before investing. Links are provided herein as a courtesy, and no guarantees are made as to the accuracy of the content on the referenced websites.

Sí, Money! – Vol. 2, No. 1  February 2008 – http://simoney.us

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How many brides managed to lose the weight?

Brides who managed to lose the weight you wanted for your wedding, how did you achieve your goal?
How did you stay motivated?
Was there a specific diet that worked for you?
Was there a specific exercise routine?

Food diaries
It is helpful to know how much you normally eat. Estimating from memory is not very accurate. It is best to keep a diary, and write down every amount of food and drink that you have over a week or so. Include even the smallest of snacks. Add up the number of calories that you eat and drink each day. You may need advice from a practice nurse or dietician to calculate calories. However, there are plenty of books that give calorie counts for different foods.
It may be helpful to keep up the diary for several weeks to see the difference in calories that you eat before and after a change to a healthier diet. To lose weight, you must eat less calories each day than previously.
Top tip – do not forget the drinks. Some drinks contain lots of calories, such as alcoholic drinks and sugary drinks.

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Plant Spirit Shamanism: the Pusanga

The quest for love unites us all. What if you could find it – and a simple perfume could help? That would be magic, wouldn’t it? Read on!

In the spiritual traditions of the Amazon in Peru, this magical perfume is called pusanga. It is a made from flowers and plants which have the power to attract to the people who wear it the things they really want. For that reason, pusanga has developed an impressive reputation as “the love medicine of the Amazon”’ because love, of course, is the thing most people do want!

HOW PERFUME ATTRACTS AND HEALS

Beautiful smells derived from flowers and herbs have always been used for healing and attracting love. Even the word ‘perfume’ comes from per fumer (Latin, ‘through smoke’), and is a reference to its ritual use in ceremonies for the gods who offer love’s blessings.

The ancient Greeks, for example, believed that sweet aromas were how the deities made their presence known. The oracle priestesses of Delphi would sit in the smoke of bay leaf incense to allow these gods to speak through them during divinations to help people in their search for love.

In India, too, seers called dainyals would surround themselves with smoke – this time of cedarwood – which would send them into trance and give them prophetic visions.

Fragrance has also long been associated with the arts of love. In Japan, Geisha girls priced their services according to the number of incense sticks consumed during love-making, while in Indian tantric rituals, men were anointed with sandalwood, and women with jasmine, patchouli, amber, and musk. Saffron was crushed and smeared beneath their feet.

The reason for these rituals is that smell is the most powerful of our senses and is able to stimulate desire, longing, and lust, stir our memories, and carry associations of love and happiness. Scientists have found that even a year after we meet a new person, their aroma stays in our minds, whereas visual memory drops to 50% after just three months, so we may not even remember their faces. The sense of smell is handled by the limbic system, which controls our emotions, so perfumes evoke feelings as well as memories, and we experience not just an odour but a mood.

This is the secret of pusanga. By mixing plants and flowers to create particular aromas which affect the moods of those who smell them, the shamans of the Amazon say that pusanga can cause anyone to fall hopelessly in love with the wearer. One of these shamans, Javier Aravelo, puts it this way: “When you pour pusanga onto your skin it penetrates your spirit and gives you the power to draw in love”.

How you find the right plants to do this is another secret, known as the Doctrine of Signatures. This is the idea that the Creator has left a mark or “signature” on every plant in the world to show what it is used for. The discoverer of this phenomenon was Paracelsus, a 6th century alchemist who noticed how the appearance of plants so often reflects their qualities – that the seeds of skullcap, for example, resemble small skulls and, it turns out, are effective at curing headache, or that willow, which grows in damp places, heals rheumatic conditions, which are caused by damp and the build-up of fluid on the joints.

In fact, as Thomas Bartram, a modern herbalist, remarks in his Encyclopedia of Herbal Medicine, “Examples are numerous. It is a curiosity that many liver remedies have yellow flowers, those for the nerves (blue), for the spleen (orange), for the bones (white). Serpentaria (Rauwolfia) resembles a snake and is an old traditional remedy for snake-bite. Herbalism confirms the Doctrine of Signatures”.

AMAZON PUSANGA

Following this Doctrine, the basis for pusanga in the Amazon is agua de colpa. This is water collected from clay pools deep in the rainforest, where there are no people, only thousands of brightly-coloured animals who gather to drink from the water. Some of these animals are natural enemies, but at the clay pools they stand peacefully together to drink from water which is rich in mineral content and needed for their well-being. This water, in other words, has the power to attract some of the most beautiful creatures on the planet to a place where they exist harmoniously together.

Added to this magical water are special herbs, plants, barks, roots or leaves, which also have the quality of attraction due to their colours, names, or where and how they grow. In the rainforest, for example, there are vines called sogas, which are recognised as pusanga plants because they wrap themselves around trees and draw close to them so they grow together.

Special scented liquids, such as agua florida (which means “water for flourishing”), are also added to the mixture, which is then blessed by the shaman to empower it. This is done by blowing or singing into the pusanga, sometimes with the breath, sometimes with sacred tobacco smoke. The traditional blessing whispered to the pusanga is “salud, dinero y amor” (“health, money and love”).

Once it is made, pusanga is used like a perfume, with a few drops rubbed on the pulse points of the wrists and neck, or a capful or two can be added to bath water.

MAKING YOUR OWN PUSANGA

If you want more love in your life (and who doesn’t!) and would like to make pusanga of your own, just follow these instructions and romance will come your way!

The Doctrine of Signatures is your guide to collecting the plants you need. Pusanga plants for love all have certain characteristics. Their names are often significant, such as passionflower or honeysuckle (“honey” for sweetness and “suckle” for nurturing). Their colours are bright and attractive. The way they grow may also be important (ivy, for example, winds itself around other plants so the two intertwine and are drawn closer together). Their archetypal qualities may also call you (rose, for example, is nowadays practically synonymous with love). Where the plants grow can also have meaning (two plants standing together in sunlight within an otherwise dark forest signify a bright future, for example) – and so on. Look for plants that mean something to you and the desires you have.

When you locate each plant spend a little time with it, explaining your need and asking it to offer itself to you before you pick it (you don’t need to take the whole plant; a single leaf, a flower, or a piece of bark will do as this contains the energy of the whole. Try to avoid taking roots if you can). Then, when you take a piece, offer your thanks and perhaps a gift of your own, such as corn or tobacco, as they do in the Amazon. All of this is important in helping you connect with nature and develop the right attitude of respect.

When you have the plants you want, take them home and put them in a clear bottle. If you intend to use the pusanga over a few days, you can fill the bottle with water taken from ‘power places’, such as Holy water from a church or a place of spiritual power like the Chalice Well at Glastonbury, or you can use spring or mineral water. If you want to keep the pusanga a while, though, it is better to use alcohol instead of water as this will preserve the plants.

You can also add aromatherapy oils to your blend, which, in traditional magic, also have helpful qualities. To attract a new lover, for example, add a few drops of rose, jasmine, and bergamot. For a ‘deepening love’ add rose, vanilla, and a sprinkling of gold glitter. For passion during love-making once you have found your mate, add ginger, patchouli, and sandalwood.

Finally, add your prayers to the mixture, too, as the shamans do, by blowing three times into the pusanga bottle while you tell the perfume what you want it to do for you. Then wear it as a scent and expect more love in your life!

Brazilian Brides

How to be aBEAUTIFUL BUDGET BRIDE8 ways to save on your big day …
How to be aBEAUTIFUL BUDGET BRIDE8 ways to save on your big day …
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Unique & Memorable Wedding ideas?

My fiance and I are getting married next year. We will be the third wedding in the family in the last 6 months. I’m looking for suggestions on some unique and memorable ideas we can do during the reception to make our wedding stand out.

what about a hip hop first dance. have a photo booth for the gues to use and put there pics in and sign as a guestbook. if you guys like travel name the tables like paris or love, honor, cherish.
Bring in 20 different sweets like chocolate-covered strawberries, banana fosters, and creme brulee. Talk to your caterer for clever ways to decorate tables and present mini desserts. Your family can join in the fun — ask your best friend’s mother to make her famous brownies or your aunt to make those pecan delights. A dessert buffet encourages mingling and ensures getting people off their seats and closer to the dance floor. If you still can’t pass on the multitiered confection, box the individual cake slices and distribute as favors
Serve something regional. We know a bride who had a popular East Coast seafood soup poured at each place setting, as guests arrived in the tent. Another bride we know served sour-cream cornbread with mayhaw jelly, a local southern favorite. If you’re marrying in a city that brews its own beer, be sure to stock the bar with it or with another signature drink from your hometown

Columbian Brides

Coffee Kit Wedding Favors

At your wedding you want to give out some great wedding favors that your guests can appreciate when they use them in their own homes. Most people start their day of with a hot cup of coffee to wake them up and give them the energy that they need to get through their stressful day. Your guests will be really appreciative if you give them some great tasting coffee in attractive packages because you will be helping them out every day of their lives. Also, you can pick coffee sets that fit into your theme and enhance the overall meaning of your wedding celebration. This is such a special day, so it is very important that you do everything you can to make it the as unique and memorable as possible for both you and all your guests.

When your guests see some luscious coffee waiting for them to take home, they will certainly be enthusiastic about staying up late dancing at your party because they will have a great start to their day the next morning with a hot cup of coffee with their breakfast. Also, every time they use the coffee and the coffee accessories that you have given them they will remember your wedding fondly and tell everyone what a fantastic time they had celebrating with you and your new spouse.

Frangelico Flavored Coffee:

This delicious ground coffee comes in a two once block and has a delicious smell that will entice all your guests as they sit down and look around at the table and all the decorations. The bag has a very sophisticated look that you can use to enhance a traditionally themed wedding. You can even try putting ribbons, tags, and other personal touches on the bag so that you can give your guests a huge “thank you” that will be as warm as the coffee they are about to brew.

Perfect Blend Personalized Coffee Kit:

This kit is great because you can make it super personalized with your name and wedding date. The two ounce blocks of delicious coffee are packaged in bags that are decked out in a bride and groom motif. Another great feature about this item is that nit comes with a heart shaped spoon attached to each bag of coffee. The adorableness of these wedding favors will certainly capture the hearts of all your guests and show them your true love as soon as they lay eyes on their seats at the table.

Pink Personalized Coffee Packets:

The wonderful versatility that you get with the Pink Personalized Coffee Packets is unbelievable. You can welcome your out of town wedding guests with a special treat to simply say “Welcome” or you can use these Pink Personalized Coffee Packets to treat your wedding guests. Simply supply an elegant little cup and saucer set that shows your sense of style, and dress these little packets of 100% Columbian-blend coffee packets out for a wonderful wedding guest favor. Each packet is personalized with the first names of the Bride and Groom and their wedding date, and have a “Perfect Blend” motif and 6 pink and tan circles, some contain hearts, on each pack.

Wonderful aroma, coffee make great wedding favor gifts.

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Women Inventors—important, But not so Famous

Throughout history famous female inventors and mostly have contributed enormously to the world of invention. Women inventors are responsible for a wide variety of inventions that we all encounter in our daily lives, from the automatic dishwasher to life saving medical inventions.

A brief look at some famous and not-so-famous women inventors.

Josephine Garis Cochran invented the first practical mechanical dishwasher in 1886.  Mrs. Cochrane was very wealthy and held a lot of dinner parties. Although she had servants to do the dishes, she was unhappy about how long it took and how many dishes the servants chipped. It is said that she once exclaimed, “If nobody else is going to invent a dishwashing machine, I’ll do it myself!” 

She went about building one herself. Her friends were quite impressed and had her make machines for them as well.  Soon word spread, and she was getting orders for the machines from hotels and restaurants.  She got a patent on her design and went into production. At the 1893 World’s Columbian Exposition in Chicago she won the highest award.

Her friends talked a lot about their new machines and soon, Mrs. Cochrane was getting orders for her dishwashing machine from restaurants and hotels in Illinois. She patented her design and went into production. She showed her invention at the 1893 World’s Columbian Exposition in Chicago and won the highest award.

Ellen Ochoa, Astronaut and Female Inventor

Ellen Ochoa born on May 10, 1958 in Los Angeles, CA., received her bachelor of science degree in physics from San Diego State University, and a master of science degree and doctorate in electrical engineering from Stanford University. 

Ellen Ochoa developed an optical system designed to detect imperfections in repeating patterns. Patented in 1987, this system is used for quality control in manufacturing.  Later she patented an optical system which can be used for robotic. To date, Ellen Ochoa has received three patents.

Not only is she an inventor, Dr. Ellen Ochoa is also a research scientist and astronaut for NASA. Dr. Ellen Ochoa is a veteran of three space flights and has logged over 719 hours in space. 

Patsy Sherman Inventor of Scotchgard

In 1952 became one of a small minority of women chemists working for a major corporation, 3M in this case. 

Patsy Sherman regards the discovery of Scotchgard as one of her most significant achievements since many experts had concluded that such a product was “thermodynamically impossible.” Patsy Sherman said, “We were trying to develop a new kind of rubber for jet aircraft fuel lines, when one of the lab assistants accidentally dropped a glass bottle that contained a batch of synthetic latex I had made. Some of the latex mixture splashed on the assistant’s canvas tennis shoes and the result was remarkable.”

That day in the lab is the stuff of legend. Patsy Sherman and her colleague, Sam Smith, were working on another project when they observed the accidental spill on a white tennis shoe. It wouldn’t wash and solvent didn’t remove it, and it resisted soiling.

Patsy Sherman and Samuel Smith obtained U.S. patent #3,574,791 in 1973, for the method for treating carpets, now known as Scotchgard. The name Scotchgard is a combination of the words Scotch and guard.

Patsy Sherman was inducted into the Minnesota Inventors Hall of Fame in 1983. Patsy Sherman and Sam Smith jointly hold 13 patents in fluorochemical polymers and polymerization processes. 

Baldwin Times Flashback
Yet once again, it’s time to step back into the 19th century and revisit the early days of The Baldwin Times.

Colombian Brides

Wedding Guests Will Remember Your Wedding

If you are looking for a unique wedding favor this season, then there are a variety of items that you can chose from. There are differing themes from classic to modern and from love to elegance and there are so many variations that you can look for in a wedding favor. But mot people go for elegance when they are shopping for unique wedding favors. They want class and style in their wedding favors and they want it to be unique and outstanding; so that the wedding guests will remember your wedding with joy and appreciation for many years to come. So if you are looking for that something special then you should definitely choose The Perfect Blend Coffee Cup Mini-Candle.

The Perfect Blend Coffee Cup Mini-Candle is guaranteed to put warmth and joy in to your guests hearts. Especially with its delicious Colombian coffee aroma it is guaranteed that The Perfect Blend Coffee Cup Mini-Candle will lighten up your day. The Perfect Blend Coffee Cup Mini-Candle will project elegance and finesse to your wedding guest with its delicious aromas. Just smelling it will give you that after the breakfast feel that you have, after you drink your morning coffee. Perfect Blend Coffee Cup Mini-Candle comes with a mini ceramic coffee cup and inside it has a coffee scented mini candle. Every time the candle is lit the coffee cup mini candle will give off delicious coffee aromas and scents. We are pretty sure that your guests will not use their Perfect Blend Coffee Cup Mini-Candle but rather they will opt to keep it in their display cases at their home. Each candle in the Perfect Blend Coffee Cup Mini-Candle is 1.5 inches across and the Perfect Blend Coffee Cup Mini-Candle comes in a clear plastic box with an elegant organza ribbon that is guaranteed to show off its beauty.

If you really want to take the work out of looking for that right Theme idea or Wedding Favors

go to My Bridal Favor now and find ideas for Wedding Gifts and Candle Wedding Favors

like Glass photo Coaster Wedding Favors. I think Ever Bride deserves that one great wedding don’t you if so go now and look.

Also Perfect Blend Coffee Cup Mini-Candle comes with a matching personalized tag to add that personalized touch to your wedding favor. We are %100 sure that your wedding guests will just fall in love with the Perfect Blend Coffee Cup Mini-Candle So don’t delay anymore and order Perfect Blend Coffee Cup Mini-Candle today for that really special and unique wedding favor. You can definitely feel that your guests will know and understand your appreciation for attending the ceremony after receiving this cool and classy gift.

How would you choose where to get married?

Supposing we have a couple that lives in the States.The guy is Colombian and the girl Italian,but they both live in the US.How can they choose their wedding location?Should it be the bride’s country or the groom’s?Or maybe where they reside?

I’d go with where the couple lives.

While its not as dramatic as different countries, my fiance & I live in Pennsylvania, most of my family (mom & dad’s sides) live in New Jersey, about 3hrs away, and his mom’s family is also from New Jersey, about 2-3hrs away & in a different area from my family.
We chose to have our wedding where we live in Pennsylvania because it was more affordable, it was where we plan to start our married life together, it was easier to plan the whole thing since we lived in the area AND because it avoided any arguments about if we held the wedding near my family or his.