Non-investment grade bonds (junk bonds) usually carry Standard and Poor's ratings of "BB+" to "D" ("Baa1" to "C" for Moody's). In some cases, bonds of this nature are given "not rated" status. Although bonds carrying these ratings are deemed to be higher-risk investments, they nevertheless attract certain investors who are drawn to the high yields they offer. But some junk bonds are saddled with liquidity issues, and can feasibly default, leaving investors with nothing. A prime example of non-investment grade bond was that issued by Southwestern Energy Company, which Standard & Poor's assigned a "BB+" rating, reflecting its negative outlook. Independent Rating Agencies Get Tripped Up In 2008 Downturn
Many Wall Street watchers believe that the independent bond rating agencies played a pivotal roll in contributing to the 2008 economic downturn. In fact, it came to light that during the lead-up to the crisis, rating agencies were bribed to provide falsely high bond ratings, thereby inflating their worth.
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We know this to be true, because in the instances where this has happened to us and other firms we know, clients will call and express their regret at not having allowed us to design the site properly, or even ask us to step in and get things back on track. Either way it's never a good situation for the client, the integrity of their brand or their budget. Branding & Integration
The most important thing to keep in mind about a web site is that it is an integral element of your company's branding. And branding, as we all know is very much an organic process. It starts with the development of an Essential Message and it grows from there. It grows into corporate identity. It grows into packaging, signage and advertising. It grows into a presence on the Internet through your web site. In order for all of this growth to be effective and give you the best possible return on investment, there must be synergy between all the elements that comprise your branding. This is why you hire a design firm with knowledge in all areas of brand awareness in the first place.
Do you check your mailbox frequently? So does everyone else and that's why this is so effective. It's almost exciting nowadays to get direct mail. The only goal here is that when your database thinks of real estate, your name is first thing that comes to mind. Unlike email, direct mail has a 100% deliverability rate. How many of your emails get opened? The national average is 13%! What effect is your email marketing if no one is seeing it? Yes, people throw direct mail in the trash, but they still have to acknowledge it first. Whether they read it or not, is not the point. They still take a mental note and acknowledge communication from you, which is the entire purpose. "Hey Remember me, I'm still here for your referrals and repeat business ya know just in case you want to send me some"
Because direct mail is tangible, it leaves a longer lasting impression than an email would. People will physically engage with it. This is why direct mail still works today. We like to use direct mail as part of an overall referral marketing campaign that looks like this.
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number: 0785894
Status: 900 - Expired
Status date: Jun 2, 1985
Illustration: Drawing or design which also includes word(s)/ letter(s)/number(s)
Goods & Services: Mobile homes, The drawing is lined for red and gray, The mark translated from spanish means "house on the hill. " Owner: Vegas Mfg. Inc, 3014 N. Alameda, Compton, CA
Registration: Aug 12, 1926
State ID: C0120076
Business type: Articles of Incorporation
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If I find that there's still some plaque, I'll go back to that same area, change technique, even change hands to get the right angle, until it feels squeaky clean. Then I move to the next area. Rule of tongue: Brush until teeth feel clean. (which may take more than 2 minutes)
This whole process can take me 10 minutes while I drive into town. But, be careful. If you allow yourself to brush unconsciously for 10 minutes, you will scrub your gums too hard and they will scream at you tomorrow for your lack of awareness while brushing. So, the rule here is to stay conscious while brushing for longer periods of time. There are three main benefits of taking this 'on the go' mentality to cleaning your teeth. 1. Your teeth will undoubtedly be cleaner than they have been in a long time. Think about it, which method is going to do a more thorough job at removing more plaque and lovingly stimulating your gum tissue: brushing unconsciously for 2 minutes (or 20 seconds, for that matter) or treating them to a 10 minute massage session?