She survived—and, miraculously, the baby was born healthy. But that’s where the good news ends. Marcella was left paralyzed from the chest down. This accident was much more than just a physical and emotional tragedy. Like so many Americans—50 million, or one-sixth of the country’s population—neither Marcella nor her husband, Dave, who works for a small business, had health insurance. On the day of the accident, she was on her way to class for the nursing program through which she hoped to secure one of the few remaining jobs in the area with the promise of employer-provided insurance. Instead, the accident plunged the young family into the tangled web of means-tested social assistance. As a social policy scholar, Campbell thought she knew a lot about means-tested assistance programs. What she quickly learned was that missing from most government manuals and scholarly analyses was an understanding of how these programs actually affect the lives of the people who depend on them. Using Marcella and Dave’s situation as a case in point, she reveals their many shortcomings in Trapped in America’s Safety Net. Because American safety net programs are designed for the poor, Marcella and Dave first had to spend down their assets and drop their income to near-poverty level before qualifying for help. What’s more, to remain eligible, they will have to stay under these strictures for the rest of their lives, meaning they are barred from doing many of the things middle-class families are encouraged to do: Save for retirement. Develop an emergency fund. Take advantage of tax-free college savings. And, while Marcella and Dave’s story is tragic, the financial precariousness they endured even before the accident is all too common in America, where the prevalence of low-income work and unequal access to education have generated vast—and growing—economic inequality. The implementation of Obamacare has cut the number of uninsured and underinsured and reduced some of the disparities in coverage, but it continues to leave too many people open to tremendous risk.Behind the statistics and beyond the ideological battles are human beings whose lives are stunted by policies that purport to help them. In showing how and why this happens, Trapped in America’s Safety Net offers a way to change it.

    This text aims to motivate the need for tools with concrete applications, providing simple assumptions that match the application.

    There are more than 5000 fintech startups operating, and 50 of them have already reached a billion-dollar valuation. The scope of this market goes way beyond online payments. Financial technology promises to change the way we manage our money online, disrupting the landscape of the financial services industry is being disrupted. Understanding its many facets is the key to navigating the complex nuances of this global industry.Fintech in a Flash is your comprehensive guide to the future of banking and insurance. The book aims to break down the key concepts in a way that will help you understand every aspect so that you can take advantage of new technologies. Inside you’ll find an array of hot topics such as online payments, crowdfunding, challenger banks, online insurance, digital lending, big data, and digital commerce. It will make you rethink the way that you manage your money online, and even find new ways of making online payments. Comprehensive, organized, and detailed, this guide is your go-to source for everything you need to confidently navigate the ever-changing scene of this booming industry.If you decide to buy this book now, you'll get: Easy to understand explanations of the 14 main areas of fintech The author's view on the future of each of these areas Insight into the main fintech hubs in the world Insight into the so called Unicorns, the fintech firms that have made it past a $1 billion valuation More than 100 upcoming fintech companies to watch About the Author: Agustín Rubini is an argentinean-born economist, master in international business, and Director at Banking Innovations. Passionate about building the future of financial services, Agustín spends much of his time speaking and writing on financial technology and advising businesses on innovation and digital transformation. He is a specialist in driving changes in top class banks that want to lead in how customers manage their money online. Tags: fintech, financial technology, financial services technology, money online, online payment, online insurance, insurtech, investing online, wealth management online, wealthtech, regtech, cybercrime, digital lending, digital commerce, ecommerce, e-commerce. Get started immediately Download now and take the first step on your very own road to mastering fintech. Scroll to the top of the page and hit the buy button.

    With 12 chapters and 1,244 practice problems, students can build fundamental skills in math and verbal through targeted practice. Plus, through easy-to-follow explanations and step-by-step applications, each question will help students cement their understanding of those concepts tested on the GRE. Purchase of this book includes access to additional online resources.

    Fully stocked with solved problemsN950 of themNit shows you how to solve problems that may not have been fully explained in class. Plus you ge"

    Covering various the materials needed by students in engineering, science, and mathematics, this calculus text makes effective use of computing technology, graphics, and applications. It presents at least two technology projects in each chapter.

    

    Morgan shows managers how to break free of management fads by understanding the strengths and weaknesses of management metaphors and applying them to organizational life.

    The new edition from Chopra includes many topics encompassing the theory of structural dynamics and the application of this theory regarding earthquake analysis, response, and design of structures. No prior knowledge of structural dynamics is assumed and the manner of presentation is sufficiently detailed and integrated, to make the book suitable for self-study by students and professional engineers.

    Teaching Pronunciation offers current and prospective teachers of English a comprehensive treatment of pronunciation pedagogy, drawing on current theory and practice. An overview of teaching issues from the perspective of different methodologies and second language acquisition research is provided. It has a thorough grounding in the sound system of North American English, and contains insights into how this sound system intersects with listening, morphology, and spelling. It also contains diagnostic tools, assessment measures, and suggestions for syllabus design. Follow-up exercises guide teachers in developing a range of classroom activities within a communicative framework.

    The authors help students learn key sociological concepts through real research examples related to the dynamic interplay of race, class, gender, and other social variables.

    Significantly revised and updated content throughout this edition brings you the latest information on the etiology, clinical features, histopathology, treatment, and prognosis of each disease entity, as well as cutting-edge topics such as bisphosphonate osteonecrosis, the oral complications associated with methamphetamine abuse, solitary fibrous tumors, gene mutation, and plasminogen deficiency.Over 1,300 clinical photos and radiographs, most in full color, facilitate identification and classification of lesions.Current concepts of pathogenesis and disease management help you understand the diseases that affect the oral and maxillofacial structures, formulate an accurate diagnosis, and institute proper treatment.Each chapter is logically organized by body system or disease group, enabling you to easily identify a specific condition.A comprehensive appendix of differential diagnosis among oral and maxillofacial disease processes helps you rule out invalid diagnoses.The bibliography divided by topic presented at the end of each chapter enables you to pursue supplemental literature.Highly accomplished authors and contributors with a broad range of clinical and classroom teaching experience provide well-balanced coverage of the entire subject.Chapter outlines at the beginning of each chapter allow immediate access to specific topics.Over 200 new illustrations have been added to this popular, visual reference.A new section on bisphosphonate-associated osteonecrosis thoroughly explores and illustrates this recently identified complication resulting from medications used to prevent bone loss in patients with multiple myeloma, metastatic tumors, and osteoporosis.A new section about the oral complications of methamphetamine abuse details characteristic oral manifestations such as meth mouth caries" and factitial injuries.Expanded coverage of oral piercings, intraoral tattoos, and other body modifications includes unusual entities such as tongue splitting and charm needles.A new section on transient lingual papillitis sheds light on this common cause of transitory tongue irritation.A new section on solitary fibrous tumors familiarizes you with this popular designation for certain benign fibrous neoplasms.A new section on hypoplasminogenemia (ligneous conjunctivitis), or plasminogen deficiency, includes images from a patient case that illustrate the characteristic gingival lesions associated with this rare but fascinating systemic condition.A new section on hereditary mucoepithelial dysplasia describes the characteristic oral manifestations that can lead you to accurately diagnose this condition, potentially preventing a woman with this disorder from having cytologically unusual cells misdiagnosed as carcinoma on her cervical PAP smears.A new section discusses the clinical and microscopic features of chronic ulcerative stomatitis, an immune-mediated condition of the oral mucosa that presents with erosive lesions and is often mistaken for lichen planus.The chapter on Forensic Dentistry has been thoroughly revised and updated by leading forensic odontology author, Dr. Edward Herschaft, to include the latest information on this fascinating topic.Several chapters have been updated to include the most current knowledge of specific gene mutations associated with hereditary oral disorders.

    Marriage is a mysterious, often irrational business. Making it work till death do you part—or just till the end of the week—isn’t always easy. And no one ever handed you a user’s manual.Until now. With Spousonomics, Paula Szuchman and Jenny Anderson offer something new: a clear-eyed, rational route to demystifying your disagreements and improving your relationship. The key, they propose, is to think like an economist. That’s right: an economist.Economics is the study of resource allocation, after all. How do we—as partners in a society, a business, or a marriage—spend our limited time, money, and energy? And how do we allocate these resources most efficiently? Spousonomics answers these questions by taking classic economic concepts and applying them to the domestic front. For example:   • Arguing all night isn’t a sign of a communication breakdown; you’re just extremely loss-averse—and by refusing to give an inch, you’re risking even greater losses. • Stay late at the office, or come home for dinner? Be honest about your mother-in-law, or keep your mouth shut and smile? Let the cost-benefit analysis make the call. • Getting your spouse to clean the gutters isn’t a matter of nagging or guilt-tripping; it’s a question of finding the right incentives. • Being “too busy” to exercise or forgetting your anniversary (again): your overtaxed memory and hectic schedule aren’t to blame—moral hazard is. • And when it comes to having more sex: merely a question of supply and demand!  Spousonomics cuts through the noise of emotions, egos, and tired relationship clichés. Here, at last, is a smart, funny, refreshingly realistic, and deeply researched book that brings us one giant leap closer to solving the age-old riddle of a happy, healthy marriage.

    During the summer of his senior year at college, while earning a B.A. in Economics and Political Science, David P. Spears spent eighty hours undercover as a panhandler. Systematically recording every transaction at the exit ramp, Spears captured a rarely seen picture of how modern urban charity works.This book is the record of his adventures, part economic research, part investigative journalism. Both the numbers and the stories behind the numbers provide answers to the questions we’ve all been wondering: Who gives more to panhandlers—men or women? What percentage of drivers roll down their windows to donate? And most important of all, how much can a panhandler earn per hour?Get out your bi-weekly pay stub—by the end of this book you’ll know if you make more or less than the guy with the cardboard sign.

    From the first lesson to the last, each chapter introduces games of increasing complexity and then teaches the game theoretical tools necessary to solve them. Inside, you will find: All the basics fully explained, including pure strategy Nash equilibrium, mixed strategy Nash equilibrium, the mixed strategy algorithm, how to calculate payoffs, strict dominance, weak dominance, iterated elimination of strictly dominated strategies, iterated elimination of weakly dominated strategies, and more! Dozens of games solved, including the prisoner's dilemma, stag hunt, matching pennies, zero sum games, battle of the sexes/Bach or Stravinsky, chicken/snowdrift, pure coordination, deadlock, and safety in numbers! Crystal clear, line-by-line calculations of every step, with more than 200 images so you don't miss a thing! Tons of applications: war, trade, game shows, and duopolistic competition. Quick, efficient, and to the point, Game Theory 101: The Basics is perfect for introductory game theory, intermediate microeconomics, and political science.