This title can help you understand why financial markets exist, how financial institutions serve those markets, and the various services those institutions offer.

     It's meant to be a very easy read; not a book you read systematically from beginning to end but rather a book to read during those times you find reading a book overwhelming. How we choose to look at something is essential to our happiness, and the author, Dushka Zapata, hopes to leave readers with a little of that.

    What is luck? A psychic gift or a question of intelligence? And what is it that lucky people have that unlucky people lack? Psychologist Dr. Richard Wiseman put luck under a scientific microscope for the very first time, examining the different ways in which lucky and unlucky people think and behave. After three years of intensive interviews and experiments with over 400 volunteers, Wiseman arrived at an astonishing conclusion: Luck is something that can be learned. It is available to anyone willing to pay attention to the Four Essential Principles: Creating Chance Opportunities Thinking Lucky Feeling Lucky Denying Fate Readers can determine their capacity for luck as well as learn to change their luck through helpful exercises that appear throughout the book. Illustrated with anecdotes from the lives of the famous such as Harry Truman and Warren Buffett, The Luck Factor also richly portrays the lives of ordinary people who have been extraordinarily lucky or unlucky. Finally Dr. Wiseman gives us a look into The Luck School where he instructs unlucky people and also teaches lucky people how to further enhance their luck. Smart, enlightening, fun to read, and easy to follow, The Luck Factor will give you revolutionary insight into the lucky mind and could, quite simply, change your life.About the Author Dr. Richard Wiseman heads a research unit within the psychology department at the University of Herfordshire in Britain and was recently given the prestigious CSICOP Public Education in Science Award. This is his first book.

    M. Coetzee, Nadine Gordimer, and Salman Rushdie, the new Major Authors edition is a library between two covers -- an indispensable addition to the family bookshelf.

    It strikes a balance between theory and application by incorporating real examples, and helping students visualize the three-dimensional atomic and molecular structures that are the basis of chemical activity.

    In 1800 it was overwhelmingly rural, agrarian, multilingual, and almost half-Celtic. A century later it was largely urban and English. The effects of the Industrial Revolution caused cities to swell enormously. London, for example, grew from about 1 million people to over 6 million. Abroad, the British Empire was reaching its apex, while at home the world came to marvel at the Great Exhibition of 1851 with its crowning achievement--the Crystal Palace. Historians Christopher Harvie and Colin Matthew present a comprehensive and authoritative guide to the social, economic, and political events that marked the era on which many believed the sun would never set.

    The sixth edition preserves the hallmark features that instructors have come to trust, and through its use of current, authentic cultural materials, Deutsch: Na klar! teaches students how to use German in real-life situations effectively and how to communicate successfully in the German-speaking world.

    The school’s football team was the pride of the university and the city. Before the late 1970s, however, the relatively small school had trouble recruiting and struggled to keep up with the big-time football universities that were often more than double its size. Under pressure to compete, the SMU football program engaged in ethics, rules, and recruiting violations for years. When the corruption came to light, the NCAA handed out its most serious punishment in the history of college sports—the “death penalty”—which cancelled the team’s entire 1987 schedule.In A Payroll to Meet, author David Whitford details the Mustangs’ descent into corruption and the fallout when it was discovered. Most egregiously, the football program ran a huge slush fund that was used to pay players from the mid-1970s through 1986. Bill Clements, chairman of the SMU board and soon to be reelected governor of Texas, knew all about the slush fund before the NCAA did. He opted, however, to phase out the payments rather than stop them immediately, for fear that angry players might go public and create still more problems for SMU. Clements and the athletic director Bob Hitch decided that the football program had “a payroll to meet.”

    The Oatman's, led by their patriarch Royce, were a family of nine. Members of the Mormon faith, they had become dissenters of Brigham Young's leadership and allying themselves with James Brewster and his 'Brewsterites' resolved to move to California in 1850. The original substantial wagon-train they had formed for security split as a result of disagreements within the party and the group to which the Oatman's belonged further fragmented until the family were left travelling alone, against all advice, in hostile Indian territory. On the banks of the Gila River (in present day Arizona) the family were attacked by Indians and all were slaughtered with the exception of two girls, aged 13 and 7 years, who were abducted and a brother. Their brother Lorenzo was felled by a club blow, presumed dead by the assailants, and left among the corpses of his mother, father and siblings, but he regained consciousness and eventually found his way to safety. The girl's captors, Tolkepayas or Yavapais, kept the girls in slavery for a period then sold them to Mohave Apaches. The story of the ordeals of the Oatman girls has inspired fiction and works of history alike. Olive Oatman's face, with its distinctive tattoo has all but become a western icon. Written during the 1850s this book became a bestseller of its day. This Leonaur edition is available in in softcover and hardback with dustjacket or collectors.