Practical Guide to Dealing with Religious Questions Within the Total Group
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The Market for Financial Advice: an Audit Study
The Market for Financial Advice: An Audit Study Sendhil Mullainathan (Harvard University) Markus Nöth (University of Hamburg) Antoinette Schoar (Massachusetts Institute of Technology) April, 2011 A growing literature shows that households are prone to behavioral biases in choosing portfolios. Yet a large market for advice exists which can potentially insulate households from these biases. Advisers may efficiently mitigate these biases, especially given the competition between them. But advisers’ self interest – and individuals’ insufficiently correcting for it – may also lead to them giving faulty advice. We use an audit study methodology with four treatments to document the quality of the advice in the retail market. The results suggest that the advice market, if anything, likely exaggerates existing biases. Advisers encourage chasing returns, push for actively managed funds, and even actively push them on auditors who begin with a well‐diversified low fee portfolio. Keywords: financial advice, audit study JEL: D14, G11 We thank John Campbell and Michael Haliassos, and seminar participants at Columbia, York, MIT Sloan, SAVE Deidesheim, and ESSFM Gerzensee 2010 for their helpful comments. 1. Introduction A growing body of lab – and to a lesser extent field – evidence argues that individual investors make poor financial decisions. Drawing on research in psychology, this evidence argues that consumers’ beliefs and decision processes lead them astray. They chase trends, are overconfident, use heuristics and generally fall prey to biases that lead them to choose in ways at odds with basic portfolio theory. For example, the median household rebalances its retirement portfolio zero times (Samuelson and Zeckhauser, 1988), whereas in traditional portfolio theory rebalancing would be optimal in response to aging and the realization of uncertain returns. -
Fewer Americans Affiliate with Organized Religions, Belief and Practice Unchanged
Press summary March 2015 Fewer Americans Affiliate with Organized Religions, Belief and Practice Unchanged: Key Findings from the 2014 General Social Survey Michael Hout, New York University & NORC Tom W. Smith, NORC 10 March 2015 Fewer Americans Affiliate with Organized Religions, Belief and Practice Unchanged: Key Findings from the 2014 General Social Survey March 2015 Table of Contents Abstract ......................................................................................................................................................... 1 Introduction ................................................................................................................................................... 1 Most Groups Less Religious ....................................................................................................................... 3 Changes among Denominations .................................................................................................................. 4 Conclusions and Future Work....................................................................................................................... 5 About the Data ............................................................................................................................................. 6 References ..................................................................................................................................................... 7 About the Authors ....................................................................................................................................... -
Foreign Relations of India from Wikipedia, the Free Encyclopedia
Create account Log in Article Talk Read Edit View history Foreign relations of India From Wikipedia, the free encyclopedia India has formal diplomatic relations with most nations; it is the world's second most populous country, the Navigation Republic of India world's most-populous democracy and one of the fastest growing major economies.[1] With the world's seventh Main page largest military expenditure,[2] ninth largest economy by nominal rates and third largest by purchasing power Contents parity, India is a regional power,[3] a nascent great power and a potential superpower. India's growing Featured content international influence gives it a prominent voice in global affairs. Current events India is a newly industrialized country, it has a long history of collaboration with several countries and is Random article considered a leader of the developing world.[4][5] India was one of the founding members of several international Donate to Wikipedia organizations, most notably the United Nations, the Asian Development Bank, G20 industrial nations and the founder of the Non-aligned movement. India has also played an important and influential role in other Interaction international organizations like East Asia Summit,[6] World Trade Organization,[7] International Monetary Fund (IMF),[8] G8+5[9] and IBSA Dialogue Forum.[10] Regionally, India is a part of SAARC and BIMSTEC. India has Help taken part in several UN peacekeeping missions and in 2007, it was the second-largest troop contributor to the About Wikipedia United Nations.[11] India -
List of Entries
List of Entries A Ahmad Raza Khan Barelvi 9th Month of Lunar Calendar Aḥmadābād ‘Abd al-Qadir Bada’uni Ahmedabad ‘Abd’l-RaḥīmKhān-i-Khānān Aibak (Aybeg), Quṭb al-Dīn Abd al-Rahim Aibek Abdul Aleem Akbar Abdul Qadir Badauni Akbar I Abdur Rahim Akbar the Great Abdurrahim Al Hidaya Abū al-Faḍl ‘Alā’ al-Dīn Ḥusayn (Ghūrid) Abū al-Faḍl ‘Allāmī ʿAlāʾ al-Dīn Khaljī Abū al-Faḍl al-Bayhaqī ʿAlāʾ al-DīnMuḥammad Shāh Khaljī Abū al-Faḍl ibn Mubarak ‘Alā’ ud-Dīn Ḥusain Abu al-Fath Jalaluddin Muhammad Akbar ʿAlāʾ ud-Dīn Khiljī Abū al-KalāmAzād AlBeruni Abū al-Mughīth al-Ḥusayn ibn Manṣūr al-Ḥallāj Al-Beruni Abū Ḥafṣ ʿUmar al-Suhrawardī AlBiruni Abu’l Fazl Al-Biruni Abu’l Fazl ‘Allāmī Alfī Movements Abu’l Fazl ibn Mubarak al-Hojvīrī Abū’l Kalām Āzād Al-Huda International Abū’l-Fażl Bayhaqī Al-Huda International Institute of Islamic Educa- Abul Kalam tion for Women Abul Kalam Azad al-Hujwīrī Accusing Nafs (Nafs-e Lawwāma) ʿAlī Garshāsp Adaran Āl-i Sebüktegīn Afghan Claimants of Israelite Descent Āl-i Shansab Aga Khan Aliah Madrasah Aga Khan Development Network Aliah University Aga Khan Foundation Aligarh Muslim University Aga Khanis Aligarh Muslim University, AMU Agyaris Allama Ahl al-Malāmat Allama Inayatullah Khan Al-Mashriqi Aḥmad Khān Allama Mashraqi Ahmad Raza Khan Allama Mashraqui # Springer Science+Business Media B.V., part of Springer Nature 2018 827 Z. R. Kassam et al. (eds.), Islam, Judaism, and Zoroastrianism, Encyclopedia of Indian Religions, https://doi.org/10.1007/978-94-024-1267-3 828 List of Entries Allama Mashriqi Bangladesh Jamaati-e-Islam Allama Shibili Nu’mani Baranī, Żiyāʾ al-Dīn Allāmah Naqqan Barelvīs Allamah Sir Muhammad Iqbal Barelwīs Almaniyya BāyazīdAnṣārī (Pīr-i Rōshan) Almsgiving Bāyezīd al-Qannawjī,Muḥammad Ṣiddīq Ḥasan Bayhaqī,Abūl-Fażl Altaf Hussain Hali Bāzīd Al-Tawḥīd Bedil Amīr ‘Alī Bene Israel Amīr Khusrau Benei Manasseh Amir Khusraw Bengal (Islam and Muslims) Anglo-Mohammedan Law Bhutto, Benazir ʿAqīqa Bhutto, Zulfikar Ali Arezu Bīdel Arkān al-I¯mān Bidil Arzu Bilgrāmī, Āzād Ārzū, Sirāj al-Dīn ‘Alī Ḳhān (d. -
Relationships Between Religious Denomination, Quality of Life
Journal of Global Catholicism Volume 2 Article 3 Issue 1 African Catholicism: Retrospect and Prospect December 2017 Relationships Between Religious Denomination, Quality of Life, Motivation and Meaning in Abeokuta, Nigeria Mary Gloria Njoku Godfrey Okoye University, [email protected] Babajide Gideon Adeyinka ICT Polytechnic Follow this and additional works at: https://crossworks.holycross.edu/jgc Part of the African Studies Commons, Anthropology Commons, Catholic Studies Commons, Christian Denominations and Sects Commons, Christianity Commons, Community Psychology Commons, Comparative Methodologies and Theories Commons, Developmental Psychology Commons, Health Psychology Commons, Missions and World Christianity Commons, Multicultural Psychology Commons, Personality and Social Contexts Commons, Quantitative, Qualitative, Comparative, and Historical Methodologies Commons, Race and Ethnicity Commons, Race, Ethnicity and Post-Colonial Studies Commons, Regional Sociology Commons, and the Transpersonal Psychology Commons Recommended Citation Njoku, Mary Gloria and Adeyinka, Babajide Gideon (2017) "Relationships Between Religious Denomination, Quality of Life, Motivation and Meaning in Abeokuta, Nigeria," Journal of Global Catholicism: Vol. 2: Iss. 1, Article 3. p.24-51. DOI: 10.32436/2475-6423.1020 Available at: https://crossworks.holycross.edu/jgc/vol2/iss1/3 This Article is brought to you for free and open access by CrossWorks. It has been accepted for inclusion in Journal of Global Catholicism by an authorized editor of CrossWorks. 34 MARY GLORIA C. NJOKU AND BABAJIDE GIDEON ADEYINKA Relationships Between Religious Denomination, Quality of Life, Motivation and Meaning in Abeokuta, Nigeria Mary Gloria C. Njoku holds a masters and Ph.D. in clinical psychology and an M.Ed. in information technology. She is a professor and the dean of the School of Postgraduate Studies and the coordinator of the Interdisciplinary Sustainable Development Research team at Godfrey Okoye University Enugu, Nigeria. -
St. Thomas the Apostle Anglican Church 110 Francis Street, Cambridge ON, N1S 2A1
St. Thomas The Apostle Anglican Church 110 Francis Street, Cambridge ON, N1S 2A1 “KEEPING IN TOUCH – February 2021” ********************************************************************************************************** Here’s Something Useful!!! (by Pat Fretz) “Magic Cleaning Solution” 1/4 c dawn detergent + 1/2 c lemon juice + 1 c vinegar + 1-1/4 water ********************************************************************************************************** RECIPE OF THE MONTH → “Hamburger Soup” (submitted by Kathy Brown) 1 ½ lbs lean ground beef 3 onions, chopped 3 – 10oz cans beef consommé 1 – 10oz can tomato soup 1 – 28oz can tomatoes 48 oz water 8 tbsp “pot” barley (not “pearl”) 3 carrots, chopped Bay leaf mushroom & chopped celery (optional) ➔ Sauté beef and onions ➔ Put all ingredients in a large 5 quart pot ➔ Cover and bring to the boil ➔ Simmer for 1 ½ hours or more, until the barley fattens Remember to remove the bay leaf before serving. Goes well with French bread or garlic toast. Any leftovers can be frozen to enjoy later. ******************************************************************************************************* A VALENTINE’S DAY JOKE What did the one sheep say to the other on Valentine’s Day? (I love ewe!) What did the other sheep say in return? (You’re not so baaa-d yourself!) 1 PASTOR’S PONDERINGS A season will end (Epiphany) and a new season will begin (Lent) this month of February. We will celebrate Candlemas (also known as The Feast of the Presentation of Jesus Christ), a Principal Feast Day. One of the oldest feast days of the Christian Church, celebrated since the Fourth Century AD. This day celebrates and echoes on the Light that pierces the darkness. Traditionally, candles are brought to the church to be blessed and used when the community gathers in worship, Word and prayer, whether at the church or in the home. -
It Is the Couples Responsibility to Verify the Legitimacy Of
IT IS THE COUPLES RESPONSIBILITY TO VERIFY THE LEGITIMACY OF THE OFFICIANT THEY CHOOSE TO PERFORM THEIR MARRIAGE Wisconsin State Statute §765.16 specifies who may perform marriages in the state of Wisconsin. Please read the statutes below and decide if the officiant you chose would be considered a member of the “clergy,” a “licentiate” of a denomination, or would fit under another category listed. WISCONSIN STAT. §765.16 MARRIAGE CONTRACT, HOW MADE: OFFICIATING PERSON (1m) Marriage may be validly solemnized and contracted in this state only after a marriage license has been issued therefor, and only by the mutual declarations of the 2 parties to be joined in marriage that they take each other as husband and wife, made before an authorized officiating person and in the presence of at least 2 competent adult witnesses other than the officiating person. The following are authorized to be officiating persons: (a) Any ordained member of the clergy of any religious denomination or society who continues to be an ordained member of the clergy. (b) Any licentiate of a denominational body or an appointee of any bishop serving as the regular member of the clergy of any church of the denomination to which the member of the clergy belongs, if not restrained from so doing by the discipline of the church or denomination. (c) The 2 parties themselves, by mutual declarations that they take each other as husband and wife, in accordance with the customs, rules and regulations of any religious society, denomination or sect to which either of the parties may belong. -
Easter and Ascension Oratorios
WEEKLY HIGHLIGHTS OF PARISH LIFE MAY 6 - 13, 2018 THIS WeeK AT CHRIST CHURCH WELCOME SUNDAY, MAY 6 gracious and warm welcome to everyone. We come together on this Sunday to worship God 8 am Holy Eucharist (N) A and to discover what it means to be a person of faith in this world. We encourage you to 9 am Holy Eucharist (N)** participate fully in this service of Word and Sacrament. If you are new to Christ Church, please 10:10 am Rector's Forum (U)** 10:10 am Sunday School (Ed. Wing)** know that you have a place among us. If you are looking for a spiritual home, we hope that you 3 pm Pre-Concert Lecture (U) will consider making Christ Church that home. We are here to answer any questions and to be of 4:30 pm Concert: Easter & Ascension Oratorios (N)** assistance in any way possible. MONDAY, MAY 7 Offices Closed 9 am MOPS (U)** Music at Christ Church Grosse Pointe TUESDAY, MAY 8 8:30 am Morning Prayer (SMC) 9:30 am Staff Meeting (B217) 5 pm Evening Prayer (SMC) Easter and Ascension Oratorios 5:30 pm Daughters of the King (FR) 6:30 pm Worship Commission (B213) 6:30 pm Outreach Commission (B217) Johann Sebastian Bach 6:30 pm DA (BL) WEDNESDAY, MAY 9 8:30 am Morning Prayer (SMC) 5 pm Evening Prayer (SMC) Sunday, May 6 5:30 pm Holy Eucharist (SMC)** 6 pm Wed. @ CCGP Dinner (U)** 4:30 pm 6:30 pm Catechumenate (U)** 6:45 pm 1st through 5th Gr. -
The Book of Alternative Services of the Anglican Church of Canada with the Revised Common Lectionary
Alternative Services The Book of Alternative Services of the Anglican Church of Canada with the Revised Common Lectionary Anglican Book Centre Toronto, Canada Copyright © 1985 by the General Synod of the Anglican Church of Canada ABC Publishing, Anglican Book Centre General Synod of the Anglican Church of Canada 80 Hayden Street, Toronto, Ontario, Canada M4Y 3G2 [email protected] www.abcpublishing.com All rights reserved. No part of this book may be reproduced, stored in a retrieval system, or transmitted, in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the written permission of the publisher. Acknowledgements and copyrights appear on pages 925-928, which constitute a continuation of the copyright page. In the Proper of the Church Year (p. 262ff) the citations from the Revised Common Lectionary (Consultation on Common Texts, 1992) replace those from the Common Lectionary (1983). Fifteenth Printing with Revisions. Manufactured in Canada. Canadian Cataloguing in Publication Data Anglican Church of Canada. The book of alternative services of the Anglican Church of Canada. Authorized by the Thirtieth Session of the General Synod of the Anglican Church of Canada, 1983. Prepared by the Doctrine and Worship Committee of the General Synod of the Anglican Church of Canada. ISBN 978-0-919891-27-2 1. Anglican Church of Canada - Liturgy - Texts. I. Anglican Church of Canada. General Synod. II. Anglican Church of Canada. Doctrine and Worship Committee. III. Title. BX5616. A5 1985 -
National Resource Center for American Indian, Alaska Native, and Native Hawaiian Elders
National Resource Center for American Indian, Alaska Native, and Native Hawaiian Elders Year 2: Qualitative Report Alaska Native Elders and Abuse: Creating Harmony by Voicing Traditions of Listening Prepared by Kathleen Graves, Ph.D. Louise Shavings, BSW Elizabeth Rose Stacy L. Smith, MFA (Editor) Cheryl Easley, Ph.D. Dean, College of Health and Social Welfare University of Alaska Anchorage Kanaqlak (George P. Charles), Ph.D. Center Director October 2005 Funding for this project is provided by a grant, No. 90AM2752, from the Administration on Aging (AoA), Department of Health and Human Services, Washington, DC. The information in this paper does not reflect the opinion of the Administration on Aging. Also supported in part by the Alaska Native Science Research Partnerships for Health under Grant No. R24 MD000499-01, 02, 03 National Institutes of Health, National Center from Minority Health and Health Disparities. 1 January 2006 Dear Reader: The National Resource Center for American Indian, Alaska Native, and Native Hawaiian Elders (NRC) at the University of Alaska Anchorage (UAA) has completed its second year and is pleased to send you its four papers: (1) Alaska Native Elders and Abuse: Creating Harmony by Voicing Traditions of Listening; (2) Achieving Best Practices in Serving Alaska Native and American Indian Elders; (3) Achieving Best Practices in Long Term Care for Alaska Native and American Elders; and (4) Boarding School: Historical Trauma among Alaska’s Native People. These papers are intended to provide information to decision makers on all levels in the Alaska Native community statewide and regionally, to the State of Alaska, to various federal offices in Washington, D.C., to all Title VI programs and to all the federally recognized tribes so that culturally appropriate Elder health care services and programs can be designed and implemented with input from the Elders themselves. -
PRI Chalice Lessons-All Units
EPISCOPAL CHILDREN’S CURRICULUM PRIMARY CHALICE Chalice Year Primary Copyright © 2009 Virginia Theological Seminary i Locke E. Bowman, Jr., Editor-in-Chief Amelia J. Gearey Dyer, Ph.D., Associate Editor The Rev. George G. Kroupa III, Associate Editor Judith W. Seaver, Ph.D., Managing Editor (1990-1996) Dorothy S. Linthicum, Managing Editor (current) Consultants for the Chalice Year, Primary Charlie Davey, Norfolk, VA Barbara M. Flint, Ruxton, MD Martha M. Jones, Chesapeake, VA Burleigh T. Seaver, Washington, DC Christine Nielsen, Washington, DC Chalice Year Primary Copyright © 2009 Virginia Theological Seminary ii Primary Chalice Contents BACKGROUND FOR TEACHERS The Teaching Ministry in Episcopal Churches..................................................................... 1 Understanding Primary-Age Learners .................................................................................. 8 Planning Strategies.............................................................................................................. 15 Session Categories: Activities and Resources ................................................................... 21 UNIT I. JUDGES/KINGS Letter to Parents................................................................................................................... I-1 Session 1: Joshua................................................................................................................. I-3 Session 2: Deborah............................................................................................................. -
Fasting in Islam Tel: +44 (0)208 8558 1328 S Email: [email protected] 72 ALBIRR FOUNDATION UK SAWM [Fasting]
SAWM-cover Press 23/6/14 23:58 Page 1 72 NOT FOR SALE for free distribution only 72 ALBIRR FOUNDATION UK 106 Church Road, Leyton London e10 5hg United Kingdom awmfasting in islam tel: +44 (0)208 8558 1328 S email: [email protected] 72 www.albirr.com ALBIRR FOUNDATION UK SAWM [fasting] albirr foundation uk Contents NOT FOR SALE For Free Distribution Only SAWM/FASTING …5 77 THE MONTH OF RAMADAN …8 SAWM (FASTING) HOW TO FAST …9 isbn 0-9541955-66 Things That Invalidate the Fast …9 First Edition published November 2003 Acts in Fasting That Demand a Penalty …11 Second Edition published March 2008 Recommended Acts to Perform While Fasting …11 Third Edition published June 2014 Acts Permitted During Fasting …14 © Albirr Foundation UK CATEGORIES OF FASTING …16 77 a. The Obligatory Fasting …16 Ramadan …16 To receive your free copy, please send a self-addressed stamped envelope to: People Exempted from Fasting During Ramadan …16 Fasting in Fulfilment of a Vow …18 ALBIRR FOUNDATION UK 106 Church Road, Leyton, London e10 5hg Fasting for Expiation/ Kaffarah …18 United Kingdom tel: +44 (0)208 8558 1328 b. Nafl (Voluntary) Fasting …21 email: [email protected] The Day of ‘Arafah …22 www.albirr.com The 10th Day of Muharram …23 Six Days in the Month of Shawwal …23 77 Three Days Every Month …24 Mondays and Thursdays … 25 >> >> >> design&layout: [email protected] 3 QIYAM AL-LAYL: TARAWIH PRAYER …26 SAWM SOME SPECIAL FEATURES OF RAMADAN… 29 ] Night of Power/Laylat al-Qadr …29 [fasting I’tikaf …31 awm (fasting) in Islam means to give up eating, drinking Essentials of i’tikaf …31 and intimate relations with one’s spouse during the day- How to make I’tikaf …32 S light hours – from dawn (the first light) to sunset.