Perhaps you thought of grocery stores or something sexy like internet retailing, but chances are you didn’t think of banking. Yet, most likely you interact with a bank every time you’re paid and when you pay your bills. Banks facilitate the flow of money through the economy and even if you don’t interact with a bank daily, the businesses you deal with on a daily basis do. For all the interaction people have with banks, few understand how they work or why they work. Even fewer understand why they should consider including bank stocks in their investment portfolio. There are a lot of misconceptions about banks, including understanding what they are and what they do. For many people the word “bank” evokes images of receiving a toaster upon opening an account, or thoughts of security related to the storing of precious items in a safety deposit box. Others might go further and tap their inner Michael Moore and talk about how banks are greedy and evil. It’s our belief that banks aren’t just places to store idle savings (on which you receive virtually nothing in interest) or to cash checks, but that they should be an integral part of an investor’s portfolio. The goal of this book is to provide you with a foundation and framework with which you can both begin to understand banks, but also learn the basic tools used to analyze banks as investments.

    You are wasting your time.In a world of fake news, deep-fakes, manipulated feeds of information and divisive social-media agendas, it's easy to believe that our time is the most challenging in human history. It's just not true.It is a time of extraordinary opportunity. But only if you have the right mindset. Fear of the future breeds inaction and leads to strategic paralysis. We put off decisions until we can have certainty. We look for signals. We wait. And while we do that, the world moves on around us.Problem-solvers thrive in chaotic and uncertain times because they act to change their future. Winners recognise that in a world of growing uncertainty, you need to resort to actions on things you can control.And the only things over which you have absolute control are your attitude and your mindset. These, in turn, determine the actions you will take and that will define your future.A robust mindset is the one common characteristic Bruce Whitfield has identified in two decades of interrogating how South Africa's billionaires and start-up mavericks think differently. They are not naive Pollyannas. They don't ignore risk or hope that problems will go away. They constantly measure, manage, consider and weigh up opportunities in a tumultuous sea of uncertainty and find ways around obstacles.If, as Nobel Prize-winning economist Robert Shiller suggests, the stories we tell affect economic outcomes, then we need to tell different stories amidst the noise and haste of a rapidly evolving world.

    

    In keeping with this era of accountability, all discussions and examples of educational practices are grounded in a sound research base." "With hundreds of new references added to the 12th edition, the authors are committed to bringing the most current and credible perspectives to bear on the ever-increasing complexity of educating students with special needs in today's schools. The authors have written a text that reaches the heart as well as the mind, promoting a conviction that professionals working with exceptional learners need to develop not only a solid base of knowledge, but also a healthy attitude toward their work and the people whom they serve, and constantly challenge themselves to acquire a solid understanding of current theory, research, and practice in special education and to develop an ever more sensitive understanding of exceptional learners and their families. Note: This is the standalone book if you want the book with access to MyEducationLab Pegasus order: ISBN 0132659239 / 9780132659239 Exceptional Learners: An Introduction to Special Education with MyEducationLab Pegasus Package consists of: 0132598515 / 9780132598514 MyEducationLab Pegasus -- Access Card 0137033702 / 9780137033706 Exceptional Learners: An Introduction to Special Education

    The Americans were outsiders to the sport, the underdogs of the event, a 500-to-1 long shot. But they were also proud and loyal men -- to one another, to their communities, and certainly to their country. Facing almost no time to prepare, opponents with superior training, and skepticism from the rest of the world, this ragtag group of unknowns was inspired to a stunning victory over England and one of the most thrilling upsets in the history of sports.Written by critically acclaimed author Geoffrey Douglas, and now a film directed by David Anspaugh (Hoosiers), The Game of Their Lives takes us back to a time before million-dollar contracts and commercial endorsements, and introduces us to the athletes -- the Americans -- who showed the world just how far a long shot could really go.

    In order to ensure a high level of knowledge and training, the International Requirements Engineering Board (IREB) worked out the training concept “Certified Professional for Requirements Engineering”, which defines a requirements engineer’s practical skills on different training levels. The book covers the different subjects of the curriculum for the “Certified Professional for Requirements Engineering” (CPRE) defined by the International Requirements Engineering Board (IREB). It supports its readers in preparing for the test to achieve the “Foundation Level” of the CPRE.

    Including the writer Karen Blixen (Isak Dinesen), the pioneering aviator Beryl Markham and the troubled socialite Idina Sackville whose life was told in Frances Osborne’s bestselling The Bolter, the Happy Valley set’s notoriety was sealed in 1941 with the sensational – and still unsolved - murder of the Earl of Errol, the investigation of which laid bare the extent of the set’s decadence and irresponsibility, and made for another bestselling book in James Fox’s White Mischief. But what is left now? Juliet Barnes, who has lived in Kenya for many years, has set out to explore Happy Valley in a remarkable and indefatigable archaeological quest to find the homes and haunts of this extraordinary and vanished set of people – grand residences like Clouds up in the hills that once hosted opulent and scandalous parties. With the help of African guides, and guided by the memories of elderly expats she tracks down to the Muthiaga old enough to have first-hand memories of the likes of Idina and Lord Errol and the lives they led, what she finds - ruins reclaimed by luxuriant bush, tumbledown dwellings in which an African family ekes a subsistence living, or even a modest school – is a revelation of the state of modern Africa that makes the gilded era of the Happy Valley set seem even more fantastic. A book to set alongside such singular evocations of Africa and its strange colonial history as The Africa House, Happy Valley: The Biography is a mesmerising blend of travel narrative, social history and personal quest.

    Now updated for Pro Tools 10 software, this new edition from the definitive authority on Pro Tools covers everything you need to know to complete a Pro Tools project. Learn to build sessions that include multitrack recordings of live instruments, MIDI sequences, and virtual instruments. Through hands-on tutorials, develop essential techniques for recording, editing, and mixing. The included DVD-ROM offers tutorial files and videos, additional documentation, and Pro Tools sessions to accompany the projects in the text.

    Only Capstick "can write action as cleanly and suspensefully as the best of his predecessors" (Sports Illustrated). This long-awaited sequel to Death in the Silent Places (1981) brings to life four turn-of-the-century adventurers and the savage frontiers they braved.* Frederick Selous, a British hunter, naturalist, and soldier, rewrote the history books with his fearless treks deep into the Dark Continent.* English game ranger Constantine "Iodine" Ionides saved Tanganyikan villages from man-eating lions and leopards. He also gained lasting fame for his uncanny ability to capture black mambas, cobras, Gaboon vipers, and other deadly snakes.* The dashing Brit Johnny Boyes who gained the chieftainship of the Kikuyu tribe with sheer bravado and survived the ferocious battles and ambushes of intertribal warfare.* And Scottish ex-boxer, Jim Sutherland, one of the best ivory hunters who ever lived. His tracking skills and stamina afoot became the stuff of African hunting legend.If you are a Capstick fan, you'll relish The African Adventurers, his eleventh book. Once again he delivers "the kind of chilling stories that Hemingway only heard second-hand...with a flair and style that Papa himself would admire" (Guns and Ammo). The author's pungent wit and his authenticity gained from years in the bush make this quartet of vintage heroics an unforgettable return to the silent places.

    A powerful synthesis of the art of mindfulness and the science of neurobiology, Klein provides a cutting-edge system to rewire, train and align the nervous system, emotions and thought strategies, enabling readers to create the life they choose. Those engaging Klein's Inner Matrix Systems training routinely experience: reduced stress, increased focus, higher emotional intelligence, improved health and well-being, and enhanced access to intuition. Included is a five-week strategy guide to assimilate the practices of Inner Matrix Systems into your daily life."Joey Klein has artfully bridged ancient traditions with burgeoning Western scientific and biomedical research. He shares powerful testimony and vivid examples of the benefits achieved through his intentional training methods." - Michael L. Weaver, Emergency Medical Physician "Joey Klein has created a guide that I can hand to a client that offers a path to greater inner peace, serving in medical terms to lower anxiety, increase focus, improve hormone optimization, among other medical improvements. If all my clients practiced similar guidelines laid out in this book, I'd easily have 80% fewer client visits." - Yoshi Rahm, DO, Family Physician

    In prose that is, at once, both clear-eyed and full of acerbic wit, Sanghera shows how our past is everywhere: from how we live to how we think, from the foundation of the NHS to the nature of our racism, from our distrust of intellectuals in public life to the exceptionalism that imbued the campaign for Brexit and the government's early response to the Covid crisis. And yet empire is a subject, weirdly hidden from view.The British Empire ran for centuries and covered vast swathes of the world. It is, as Sanghera reveals, fundamental to understanding Britain. However, even among those who celebrate the empire there seems to be a desire not to look at it too closely - not to include the subject in our school history books, not to emphasize it too much in our favourite museums.At a time of great division, when we are arguing about what it means to be British, Sanghera's book urges us to address this bewildering contradiction. For, it is only by stepping back and seeing where we really come from, that we can begin to understand who we are, and what unites us.

    She had little conception of Africa or Africans, and yet the continent and its people would become the guiding force of her life.Galvanised by the suffering she witnessed in Ethiopia, on her return to Australia she became a human rights and aid activist for the people of the Horn of Africa. Valerie's work led her back to Africa again and again, involving her – at considerable risk to herself – in the armed liberation conflicts of the region. Even as she discovered brutality and corruption at the heart of these political movements, she also found love, marrying Ismael Ali Gardo, whose people, the Afar, roamed Ethiopia, Eritrea and the Sudan as nomadic herdsmen. Ismael's life mission was to help the Afar – desperately poor, uneducated, landless, and the victims of oppression in every country they once roved freely. Soon it became Valerie's too, as she embraced their culture and threw herself into their cause. In one of the most inhospitable landscapes on earth, Valerie and Ismael have waged an incredible struggle, bringing health and education to a people who would otherwise have nothing. Valerie's story is both an astonishing adventure and a testament to how determination and passion can achieve extraordinary things.

    This claim is not only false, but its presence in the debate is an insult to science." With these words, the authors begin a detailed analysis of one of the most controversial topics of the day. The authors make a compelling case against claims of a scientific consensus. The purported proof of such a consensus consists of sloppy research by nonscientists, college students, and a highly partisan Australian blogger. Surveys of climate scientists, even those heavily biased in favor of climate alarmism, find extensive disagreement on the underlying science and doubts about its reliability. The authors point to four reasons why scientists disagree about global warming: a conflict among scientists in different and often competing disciplines; fundamental scientific uncertainties concerning how the global climate responds to the human presence; failure of the United Nations Intergovernmental Panel on Climate Change (IPCC) to provide objective guidance to the complex science; and bias among researchers. The authors offer a succinct summary of the real science of climate change based on their previously published comprehensive review of climate science in a volume titled Climate Change Reconsidered II: Physical Science. They recommend that policymakers resist pressure from lobby groups to silence scientists who question the authority of the IPCC to claim to speak for climate science. More than 50,000 copies of the first edition were sold or given away in five months to elected officials, civic and business leaders, scientists, and other opinion leaders. The response from the science community and experts on climate change has been overwhelmingly positive. To meet demand for more copies, we have produced this second revised edition. Changes include a foreword by Marita Noon, at the time executive director of Energy Makes America Great, Inc. Some of the discussion in Chapter 1 has been revised and expanded thanks to feedback from readers of the first edition. Graphs in Chapters 4, 5, and 6 are now full color, and new graphs have been added.

    Graphs are not included, but both the graphs and the concepts behind them are explained; only basic math is included, and you can even skim over the math and still come away with an understanding of the concepts; statistics is not included at all.BASIC ECONOMICS FOR STUDENTS AND NON-STUDENTS ALIKE is an easy way to learn concepts relating to economics and the economy. It is a product of thousands of hours spent online, teaching basic concepts in economics to hundreds of students worldwide over the course of the past several years. From back and forth communications, I have discovered the explanations for the concepts that students find easiest to understand, as well as the areas that most often get misunderstood and under-emphasized.I have worked with students located throughout the United States and from many different countries, on six different continents; students from many different school systems with different points of emphasis; students with different levels of knowledge, different backgrounds, and different levels of interest in the subject. I have received numerous comments and testimonials regarding the teaching methods that I incorporate in BASIC ECONOMICS FOR STUDENTS AND NON-STUDENTS ALIKE.The subject matter included in BASIC ECONOMICS FOR STUDENTS AND NON-STUDENTS ALIKE comes from a compilation of many different textbooks at the introductory and intermediate levels. My goal was to include every subject in economics that normally will be found in an introductory level textbook of economics, microeconomics, or macroeconomics. Since different school systems, different classroom instructors, and different textbooks cover a slightly different combination of topics, BASIC ECONOMICS FOR STUDENTS AND NON-STUDENTS ALIKE is a little more comprehensive than most single introductory textbooks of economics. Some of the topics will be found in introductory classes in some schools, but in intermediate-level classes in other schools.

    (Unilateral Declaration of Independence) by the Smith government to the Lancaster House agreement that transferred power. There are vivid accounts of the operations against the "guerillas" by the security forces and the intensity of the fighting will surprise readers. Atrocities were undoubtedly committed by both sides but equally the protagonists were playing for very high stakes.This is more than just a book on military operations. It provides expert analysis of the historical situation and examines events up to the present day, including Mugabe's operations against rival tribes and white farmers. For a thorough work on its subject this book cannot be bettered. Essential reading for those wishing to learn more about a counter-insurgency campaign. The ingenuity of the Rhodesian military fighting against overwhelming odds and restricted by sanctions is impressive but the outcome culminating in the Lancaster House Agreement was inevitable.