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.

    of Wisconsin-Madison) and Wichern (Texas A&M U.) present the newest edition of this college text on the statistical methods for describing and analyzing multivariate data, designed for students who have taken two or more statistics courses. The fifth edition includes the addition of seve

    

    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.

    Many of these stories never made it back home - until now.

    

    Which words of French unlock a warm welcome? What should you expect in hotels? Taxis? In cafe restrooms? What is the code for getting great customer service? What is all the fuss about food and French restaurants? Do you know how to charm French waiters? How do you entertain business contacts, intrigue French women and French men?

    This eBook is going to offer you an inside look at some of these tips and tricks that you will be able to use in your own version of Minecraft.These 30 Sneaky Minecraft Tricks have all been tested to work and show you exactly how they can be done so that you can figure them out quite easily. These tricks range from finding the best enchantments to use on your gear to using a secret hidden method to see all ore underground without having to download a mod.Strap in and hang on for the ride of your life. This tips and tricks train track is covered in power rails and is ready to take off!DOWNLOAD NOW!

    Only stories--scenarios--and our ability to visualize different kinds of futures adequately capture these intangibles.In The Art of the Long View, now for the first time in paperback and with the addition of an all-new User's Guide, Peter Schwartz outlines the scenaric approach, giving you the tools for developing a strategic vision within your business.Schwartz describes the new techniques, originally developed within Royal/Dutch Shell, based on many of his firsthand scenario exercises with the world's leading institutions and companies, including the White House, EPA, BellSouth, PG&E, and the International Stock Exchange.

    There was a time when the stock market was a mechanism for growing businesses to raise money, playing a large role in the industrial revolution-boosting America to a global superpower. Today the stock market has morphed into a high-tech system of fluctuating arbitrary numbers which are used by individuals and industries alike to find profit opportunities by placing bets, masqueraded as sophisticated financial maneuvers with fancy labels and acronyms. Nowhere is this more evident than with the tendencies observed today. There is a shocking trend by today's Millennial generation to shamelessly and unapologetically find ways to use the stock market to place very high-risk bets. And unlike formal Wall Street investment institutions, these gamblers, of sorts, don't attempt to disguise the game: they are proud to call Wall Street a casino. Jaime Rogozinski combs through various elements of how reckless investors play Wall Street similar to a casino. He illustrates these often in playful ways, using entertaining and compelling real-world anecdotes. His stories are taken straight from Reddit's r/wallstreetbets community which Jaime founded in 2012, and currently has more than 800,000 followers in addition to 3 million unique visitors a month. WallStreetBets is a forum based gathering where people are notoriously known for taking a brazen and public approach at gambling with the stock market.

    It shows teachers how to create an environment in which technology can effectively enhance learning. It contains a technology integration framework that builds on research and the TIP model.

    It has, in contemporary society, been reduced to the simple answers of the self-help industry, consumerist trends and the polluted rhetoric of the politician. In this major intervention into both contemporary philosophy and how we live now, Alain Badiou attempts to rehabilitate the notion of 'being happy'. He claims, 'the category of happiness, such as it is promoted today, has largely been reduced to what I would call satisfaction' and satisfaction for Badiou simply isn't good enough. Risk, adventure, peril are what true happiness is all about. Putting oneself in the position to feel and experience things that go beyond simply feeling calm and at peace, deliberating disturbing our equilibrium and asking questions of ourselves is where true happiness lies.Badiou is also asking a serious political question in his interrogation of happiness: what does it mean, socially and politically, to simply accept one's place in the world? It's each individual's political responsibility to disrupt our allotted places in the universe, up-end the social order, bring about something new.This is a crucially important piece of lively, life-giving philosophy from one of the world's greatest living philosophers.

    When God puts you in the right place at the right time, you can't help but get blessed!

    This title shows you how to get up and running fast with complete coverage of this useful scripting tool. The author covers ActionScript from a designer's viewpoint, showing you how to make the most of it without having to be a programmer.