In Confessions of a Subprime Lender: An Insider's Tale of Greed, Fraud, and Ignorance, he reveals the truth about how the subprime lending business spiraled out of control, pushed home prices to unsustainable levels, and turned unqualified applicants into qualified borrowers through creative financing. Learn about the ways the mortgage industry can be fixed with his twenty suggestions for critical change.

    This includes further education, adult and community learning, work-based learning, the forces and offender learning and skills. It is easy to read with plenty of practical activities and examples throughout and the content is fully linked to the Teacher Training Standards. Please note: This book has since been updated to reflect the new title of the qualification: The Award in Education and Training.The qualification unit content contained in the appendices has since changed, and some legislation mentioned in the book has been updated.

    Contemplation of time and the discoveries of modern science lead to the assertion that the mind is paramount and limitless.

    Now, in What the Dog Saw, he brings together, for the first time, the best of his writing from The New Yorker over the same period. Here you'll find the bittersweet tale of the inventor of the birth control pill, and the dazzling creations of pasta sauce pioneer Howard Moscowitz. Gladwell sits with Ron Popeil, the king of the American kitchen, as he sells rotisserie ovens, and divines the secrets of Cesar Millan, the "dog whisperer" who can calm savage animals with the touch of his hand. He explores intelligence tests and ethnic profiling and why it was that employers in Silicon Valley once tripped over themselves to hire the same college graduate.

    You’ll find it fun to read too - written in simple, everyday language.And, if you’re like most people, you’ll find that learning “why” the law of attraction works will pour rocket fuel into your belief in it. And attaining such a level of belief will allow you to unleash the law of attraction more powerfully than you’ve done previously. Why Quantum Physicists Create More Abundance removes your barriers of doubt and resistance concerning the law of attraction. It can be a very powerful tool for you, helping you soar past previous frustrations and manifesting a life much more closely aligned with your dreams and desires.

    Hans-Hermann Hoppe rests his argument on the Kantian idea of the "synthetic apriori" proposition, thereby expanding an aim of Mises's in the methodology section of Human Action.Hoppe is the Austrian School's most prominent methodologist, and here he is in top form. He combines a rigorous scientific explanation with fantastic passion and rhetoric.These lectures astonished students at the Mises University when they were first delivered. They were later turned into this monograph, which has been a staple of Austrian pedagogy ever since.

    The ideas will astonish you; and you'll feel empowered as they comfort, encourage, and enlighten you on your journey to financial deliverance. Hidden Treasures is about finding riches after having obtained a hope in Christ, for the intent to do good. But even more, it's about discovering treasures of wisdom and knowledge which have been promised to those who diligently seek. Many have wondered, "If the 'Righteous Shall Prosper, ' Why am I so Broke?" Or, "Should I just give in to 'setting my heart upon riches, ' or simply resign myself to the smothering prison of debt and the stain of poor credit?" This book addresses these questions and many more to help you attain your personal and financial goals.

    This book, covering both the Cambridge IGCSE and O Level courses of the Cambridge syllabuses, draws extensively on real world examples to explore economic concepts, theories and issues. A number of activities, based on examples from qround the world, are designed to facilitate students' easy understanding of the contents. Principles and practices have been explained in simple language and lucid style to enhance the accessibility of the content to students whose first language is not English.

    More and more people are discovering the power of their minds to shape the world around them faster than ever before. The question is: how do you create the reality of your design?Brian Scott wants to help you find the answer. After walking away unscathed from a near-fatal shooting in his home, Brian began a fanatical search for answers. He deepened his research into parallel realities, quantum mechanics, and consciousness to uncover what happened in his close call with death. Along the way, he developed a series of techniques capable of creating profound transformations.In The Reality Revolution: The Mind-Blowing Movement to Hack Your Reality, Brian introduces you to the techniques that have helped his clients find lasting love, create wealth, and revitalize health. You'll learn how to surf through parallel realities and unlock the power of your mind through a mix of researched and science-backed techniques like qi gong, meditation, quantum jumping, energy work, and reality transurfing. If you're ready to create an incredible reality for yourself, this book shows you the way.

    The teaching is conveyed through the Buddha's Four Noble Truths, first expounded in 528 B.C. in the Deer Park at Saranath near Varanasi and kept alive in the Buddhist world ever since.Venerable Ajahn Sumedho is a bhikkhu (mendicant monk) of the Theravada tradition of Buddhism. He was ordained in Thailand in 1966 and trained there for ten years. He is currently the Abbot of the Amaravati Buddhist Centre as well as teacher and spiritual guide to many bhikkhus, Buddhist nuns and lay people.This booklet has been made available through the voluntary efforts of many people for the welfare of others.Note on the Text:The first exposition of the Four Noble Truths was a discourse (sutta) called Dhammacakkappavattana Sutta — literally, 'the discourse that sets the vehicle of the teaching in motion'. Extracts from this are quoted at the beginning of each chapter describing the Four Truths. The reference quoted is to the sections in the books of the scriptures where this discourse can be found. However, the theme of the Four Noble Truths recurs many times, for example in the quotation that appears at the beginning of the Introduction."From the Preface

    Spanning continents and centuries, it is an in-depth look into the history and science of manliness. From speed and strength, to beauty and sex appeal, to bravado and wit, it examines how man today compares to his masculine ancestors. Peter McAllister set out to rebut the claim that man today is suffering from feminization and emasculation. He planned to use his skills as a paleoanthropologist and journalist to write a book demonstrating unequivocally that man today is a triumph---the result of a hard-fought evolutionary struggle toward greatness. As you will see, he failed. In nearly every category of manliness, modern man turned out to be not just matched, but bested, by his ancestors. Stung, McAllister embarked on a new mission. If his book couldn’t be a testament to modern male achievement, he decided, it would be a record of his failures. Manthropology, then, is a globe-spanning tour of the science of masculinity. It kicks off in Ice Age France, where a biomechanical analysis demonstrates that La Ferrassie 2, a Neanderthal woman discovered in the early 1900s, would cream 2004 World Arm Wrestling Federation champion Alexey Voyevoda in an arm wrestle. Then it moves on to medieval Serbia, showing how Slavic guslar poets (who were famously able to repeat a two thousand-line verse after just one hearing) would have destroyed Curtis Jackson, aka 50 Cent, in a battle rap. Finally, it takes the reader to the steaming jungles of modern equatorial Africa, where Aka Pygmy men are such super-dads, they even grow breasts to suckle their children. Now, that’s commitment. For modern man, the results of these investigations aren’t always pretty. But in its look at the history of men, Manthropology is unfailingly smart, informative, surprising, and entertaining.                         *** HOW DOES MODERN MAN STACK UP? Russian arm wrestling champion Alexey Voyevoda has a twenty-two-inch bicep and has curled more than two hundred and fifty pounds---with just one arm. But could he stand up in an arm wrestling match with an average Neanderthal male? Or, for that matter, a female? (p. 10)                       *** Today’s Ultimate Fighters compete in a sport where bouts routinely end with an unconscious loser splayed out on a blood-soaked canvas. But what would a match in the Octagon look like next to the Pankration bouts of the Ancient Greeks: a battleground or a playground? (p. 77)                       *** A modern army goes into battle with state-of-the-art technology and centuries of strategical insight. But for sheer determination, could they have bested Nero’s legions, who marched nearly two marathons a day for six days straight---each legionary carrying hundred-pound packs? (p. 99)                       *** There’s philological evidence that suggests Homer may not have written the Iliad; he may have rapped it. If 50 Cent had to face Homer in a rap battle, would he come out on top? (p. 160)                       *** Wilt Chamberlain is known for scoring on more than just the court. He claimed to have had as many as twenty thousand sexual encounters in his lifetime. Such conquest could only be matched by one of the world’s greatest conquerors: There is the evidence that approximately 32 million people are descended from Genghis Khan. (p. 248)

    Now he offers a profound understanding of how we create a social reality--a reality of money, property, governments, marriages, stock markets and cocktail parties. The paradox he addresses in Making the Social World is that these facts only exist because we think they exist and yet they have an objective existence. Continuing a line of investigation begun in his earlier book The Construction of Social Reality, Searle identifies the precise role of language in the creation of all "institutional facts." His aim is to show how mind, language and civilization are natural products of the basic facts of the physical world described by physics, chemistry and biology. Searle explains how a single linguistic operation, repeated over and over, is used to create and maintain the elaborate structures of human social institutions. These institutions serve to create and distribute power relations that are pervasive and often invisible. These power relations motivate human actions in a way that provides the glue that holds human civilization together. Searle then applies the account to show how it relates to human rationality, the freedom of the will, the nature of political power and the existence of universal human rights. In the course of his explication, he asks whether robots can have institutions, why the threat of force so often lies behind institutions, and he denies that there can be such a thing as a "state of nature" for language-using human beings.

    To understand the universe in the far future, we must first describe its present state and structure on the grand scale, and how its present properties arose. Dr Islam explains these topics in an accessible way in the first part of the book. From this background he speculates about the future evolution of the universe and predicts the major changes that will occur. The author has largely avoided mathematical formalism and therefore the book is well suited to general readers with a modest background knowledge of physics and astronomy.

    In The Third Pillar he offers up a magnificent big-picture framework for understanding how these three forces--the state, markets, and our communities--interact, why things begin to break down, and how we can find our way back to a more secure and stable plane.The "third pillar" of the title is the community we live in. Economists all too often understand their field as the relationship between markets and the state, and they leave squishy social issues for other people. That's not just myopic, Rajan argues; it's dangerous. All economics is actually socioeconomics - all markets are embedded in a web of human relations, values and norms. As he shows, throughout history, technological phase shifts have ripped the market out of those old webs and led to violent backlashes, and to what we now call populism. Eventually, a new equilibrium is reached, but it can be ugly and messy, especially if done wrong.Right now, we're doing it wrong. As markets scale up, the state scales up with it, concentrating economic and political power in flourishing central hubs and leaving the periphery to decompose, figuratively and even literally. Instead, Rajan offers a way to rethink the relationship between the market and civil society and argues for a return to strengthening and empowering local communities as an antidote to growing despair and unrest. Rajan is not a doctrinaire conservative, so his ultimate argument that decision-making has to be devolved to the grass roots or our democracy will continue to wither, is sure to be provocative. But even setting aside its solutions, The Third Pillar is a masterpiece of explication, a book that will be a classic of its kind for its offering of a wise, authoritative and humane explanation of the forces that have wrought such a sea change in our lives.

    Cameron Webb’s brief but biting assault on the wide spectrum of religiosity that dominates 21st century America, from the hateful and anti-intellectual dogma of the Christian Right to the whitewashed progressivism of religious moderates. It is also a fascinating and humbling journey into the heart of the universe's most mind-numbing wonders.Drawing on recent insights from cosmology and evolution, Despicable Meme paints a vivid portrait of a cosmos unlike anything ever imagined by the provincial, human-centered faiths of the past – a universe of countless worlds spread across unfathomable distances and times, and where, on at least one of those worlds, the slow march of time would combine with the purposeless mechanisms of chemistry and physics to create a being capable of believing that he alone is the reason for it all.With piercing intelligence and candor, Despicable Meme exposes the folly of that conceit and dispenses with the widespread but utterly improbable notion of a personal creator. But it saves its harshest criticism for the vapid accommodationism of religious liberals, those who unknowingly or uncaringly give cover to the misogynistic, racist, homophobic paranoia of the fanatics by refusing to condemn, or quietly tolerating, the outlandish and immoral doctrines that lie festering at the center of their own “moderate” faiths.Despicable Meme is not only a blistering condemnation of radical fundamentalism, it is an impassioned appeal to the rest of us to once and for all abandon the superstitions of the religion we were raised in and embrace the beauty of an endlessly wondrous, but godless, universe.Show less