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    Learn how to use CDs, bonds, and bond funds to manage risk/reward even during low interest rates. You will learn:How to choose your stocks/bonds allocationHow to become immune to changing interest ratesWhen to use CDs and individual bondsHow to choose a good bond fundHow to hedge against unexpected inflationContents:Foreword by Larry SwedroeIntroduction- Who Should Read This Book?- Start with a Sound Financial LifestyleWhy Bother With Bonds?- Stocks are risky in the short-run, and the long run too!- Bonds Make Risk More Palatable- Bonds Can Be A Safe Bet- Bonds Are An Attractive Investment DiversifierLife Is Complicated. Bonds Are Not.- What is a Money Market Fund?- Are CDs Better Than Bonds?- What Are Bonds?- What is a Bond Ladder?- Individual Bonds or a Bond Fund?Bonds: Risks and Returns- Yield, Price And Making Comparisons— How To Compare Individual Bond Returns— How to Compare Bond Fund Returns— Total Return: To Measure And Compare Performance- How To Reduce Risk From Interest Rates Changes— Duration: The Point of Indifference to Interest Rates— Duration: The Measure of Sensitivity to Interest Rates- How To Reduce Risk From Unexpected Inflation— Real versus Nominal Interest Rates— Why Include TIPS In Your Portfolio?- Credit Quality or Default RiskBuild The Bond Portion Of Your Portfolio- Start With Your Goals.- How Much Risk Is Right For You?— Understand How Much Risk You’re Taking— Take Your Risk In Stock Market, Not Bond Market— How Much in Bonds? How Much in Stocks?— Your Needs Change Over Time- The Importance of Low Cost— How Much To Diversify Bonds?— The Importance of Low Cost— Five Low-Cost Strategies You Can Do Yourself- Taxes Matter- Example Portfolios (both good and bad)Common Misconceptions Important to Correct- Stocks Are Safer In The Long Run- Holding a Bond (or CD) to Maturity Eliminates Risk- Stocks Are Safer Than Bonds- The Best Funds Have The Most Stars- A One Percent Fee Is Small- Rising Interest Rates are Bad for Bond Holders- You Can’t Beat the Market Using Index Funds- Use Multiple Investment Companies To Diversify- You Need Many Mutual Funds to Diversify- Frugal Means StingyReviews Worth Noting:“[As] stocks have surged and bond yields have dwindled, investors increasingly ask "Why bother with bonds?" Rick Van Ness takes this question and runs with it in his book sporting this provocative title. Sooner or later, this question will answer itself, and it will behoove all investors to get to know Rick before it does. Read it, enjoy it, and profit from it—before it's too late.”William J. BernsteinAuthor, The Four Pillars of Investing“In his simply stated and entertaining book, Rick Van Ness eloquently instructs the reader on how to do bonds right – in fact, better than any single book I’ve read.”Allan S. RothAuthor: How a Second Grader Beats Wall Street“If you are a DIY investor . . . you should read this book. It will steer you clear of areas you need to avoid and into where you should be. A quick read filled with valuable info!”Robert Wasilewski“This book should be part of America’s high school curriculum.”Andrew HallamAuthor: Millionaire Teacher

    . . with a greater devotion and joy."--Rabbi Alexander M. Schindler

    The place was called Birobidzhan.The idea of an autonomous Jewish region was championed by Jewish Communists, Yiddishists, and intellectuals, who envisioned a haven of post-oppression Jewish culture. By the mid-1930s tens of thousands of Soviet Jews, as well as about a thousand Jews from abroad, had moved there. The state-building ended quickly, in the late 1930s, with arrests and purges instigated by Stalin. But after the Second World War, Birobidzhan received another influx of Jews--those who had been dispossessed by the war. In the late 1940s a second wave of arrests and imprisonments swept through the area, traumatizing Birobidzhan's Jews into silence and effectively shutting down most of the Jewish cultural enterprises that had been created. Where the Jews Aren't is a haunting account of the dream of Birobidzhan--and how it became the cracked and crooked mirror in which we can see the true story of the Jews in twentieth-century Russia.(Part of the Jewish Encounters series)

     The Viking Age! A brief footprint in the course of history that impacted generations hundreds of years into the future. You will dive into the depths of Scandinavia to find out what made the Vikings the most feared group of people in the European Middle Ages. Experts at warfare and navigating the high seas, the Vikings were on a mission and would not let anyone stand in their way! Brutal conquerors they were, but the Vikings were no mere savages. The Vikings had a unique culture and society that spread much influence through transcontinental trade and exploration into unknown worlds. Navigate the Vikings' journey from their first encounters with the inhabitants of the British Isles to their discoveries of Greenland and North America. Along the way, meet some of the most famous Vikings to ever walk the face of the Earth. You will meet the infamous legend Ragnar Lothbrok whose very existence is shrouded in mystery. Step into the shoes of the first European explorer to step foot onto the lands of North America, Leif Erikson. Countless other warriors, kings, and explorers left their mark that paved the path the world has taken to this very day. Get your copy now! Relive their journeys through the eyes of a Viking and discover the makings of this fascinating civilization!

    It seems like something we already know. But do we? Questions haunt the careful reader. Among them: Doesn't the name Passover seem a bit strange? Why not just call it Freedom Day, or Independence Day? And did the Exodus have to be so complicated? Couldn't an All-Powerful deity have teleported the Israelites out of Egypt and spared everyone the arduous process of the Ten Plagues? Then there's the uncomfortable parts of the Exodus: Why, exactly, did God have to harden Pharaoh's heart? Was that really fair? In this book, Rabbi Fohrman invites us to look at the Exodus story with fresh eyes - to join him, as it were, on a guided adventure, a close reading of the ancient Biblical text. In so doing, Rabbi Fohrman reveals a side of the Exodus story that illuminates not just our past, but our future, and tells not only of our freedom, but of our destiny. This book will uncover secrets that lay hidden in this ancient and sacred saga; it tells the tale of the Exodus you thought you knew.

    Deft praise encourages others to feel as we do, share our enthusiasms. It rewards deserving objects of admiration. It persuades people to take certain actions. It sells things. Sadly, in this "age of awesome," our words and phrases of acclaim are exhausted, all but impotent. Even so, we find ourselves defaulting to such habitual choices as good, great, and terrific, or substitute the weary synonyms that tuble our of a thesaurus -- superb, marvelous, outstanding, and the like. The piling on of intensifers such as the now-silly "super," only makes matters worse and negative modifiers render our common parlance nearly tragic. Until now. Arthur Plotnik, the wunderkind of word-wonks is, without mincing, proffering a well knit wellspring of worthy and wondrous words to rescue our worn-down usage. Plotnik is both hella AND hecka up to the task of rescuing the English language and offers readers the chance to never be at a loss for words!

    He experiences himself, his thoughts, and feelings as something separate from the rest--a kind of optical delusion of his consciousness..." --Albert EinsteinWhen Rabbi Naomi Levy came across this poignant letter by Einstein it shook her to her core. His words perfectly captured what she has come to believe about the human condition: That we are intimately connected, and that we are blind to this truth. Levy wondered what had elicited such spiritual wisdom from a man of science? Thus began a three-year search into the mystery of Einstein's letter, and into the mystery of the human soul. What emerges is an inspiring, deeply affecting book for people of all faiths filled with universal truths that will help us reclaim our own souls and glimpse the unity that has been evading us. We all long to see more expansively, to live up to our gifts, to understand why we are here. Levy leads us on a breathtaking journey full of wisdom, empathy and humor, challenging us to wake up and heed the voice calling from within--a voice beckoning us to become who we were born be.

    Abraham Joshua Heschel's philosophy of religion is not a philosophy of doctrine or the interpretation of a dogma. He erects his carefully built structure of thought upon foundations which are universally valid but almost generally ignored. It was Man Is Not Alone which led Reinhold Niebuhr accurately to predict that Heschel would "become a commanding and authoritative voice not only in the Jewish community but in the religious life of America." With its companion volume, God in Search of Man, it is revered as a classic of modern theology.

    It is for intermediate and more advanced students combines reference grammar and practice exercises in a single volume.

    Topics include word order, time, nouns, verbs, adjectives, word choices with verbs and adverbs, and letter writing. The simple format has one goal: quick mastery and growing confidence.Qin Xue Herzberg, a graduate of Beijing Normal University, has taught Chinese for decades and has been an upper-level Chinese professor at Calvin College for ten years.Larry Herzberg did his PhD work in Chinese and founded the Chinese language programs at Albion College and Calvin College.Qin and Larry live in Grand Rapids, Michigan, and are co-authors of the popular China Survival Guide as well as the recently released Chinese Proverbs and Popular Sayings.

    Beginning in the 1880s, it offers a rich portrayal of the East European Jewish experience in New York, and shows how the immigrant generation tried to maintain their Yiddish culture while becoming American. It is essential reading for those interested in understanding why these forebears to many of today's American Jews made the decision to leave their homelands, the challenges these new Jewish Americans faced, and how they experienced every aspect of immigrant life in the early part of the twentieth century.This invaluable contribution to Jewish literature and culture is now back in print in a new paperback edition, which includes a new foreword by noted author and literary critic Morris Dickstein.

    It is a highly complex, profoundly logical and frequently impenetrable work with a history like no other. In its 1500 year history the Talmud has been banned, censored and burned, dissected by scholars and rabbis, probed by philosophers, poets, republicans and kings. In The Talmud – A Biography, Jewish scholar Harry Freedman recounts the engrossing story of an ancient classic, the legal and mystical pillar of Judaism and recounts the story of a book which, in many ways, parallels the history of the Jewish people. From its origins as a record of discussions amongst scholars in towns and villages close to modern-day Baghdad, Freedman traces the spiralling paths of the Jewish diaspora and explores the story of the Talmud’s early origins in Babylon, its role during the Enlightenment and its influence over traditional Judaism. A compelling fusion of law, storytelling and spirituality, the Talmud’s story is a fascinating insight into the history of Judaism and Harry Freedman’s The Talmud – A Biography is a remarkable account of one of the most important cultural, historical and religious works of our time.

    It has been edited with the needs of English-speaking users in mind, whether students, teachers, business people, or casual linguists, and special care has been taken at each stage of its compilation including the selection of entry words and their equivalents, the wording of the detailed explanations of Japanese words, the choice of example sentences, and even its functional page design to maximize its usefulness. What is furigana and why is it so important? Furigana refers to the small kana that are printed above or alongside kanji to show their pronunciation. With furigana superscripts, the beginner who is familiar with hiragana and katakana is able to read even the most difficult and obscure kanji at a glance. Other dictionaries either provide little or no guide to kanji readings or romanize some or all of the Japanese words and sentences. In the past, romanized dictionaries were of some value to students using textbooks that contained no Japanese script. Now, however, an increasing number of influential curricula around the world are based on a rationale and methodology that demands the introduction of hiragana and katakana from the earliest stages. Learners and their teachers using such curricula will inevitably feel more comfortable with a dictionary such as Kodansha s Furigana Japanese Dictionary, one that shows the pronunciation of kanji with a familiar and authentic kana script. Combining Kodansha's Furigana Japanese-English Dictionary (1995) and Kodansha's Furigana English-Japanese Dictionary (1996) in one portable. affordable, and user-friendly volume, this dictionary has the following unique features: o A basic vocabulary of 30,000 entries covers the most frequently used English and Japanese words o Special treatment has been given to hundreds of words, names, and phrases of special relevance to English-speaking students of Japanese o Semantic and usage differences between Japanese words and expressions are explained in clear English o Thousands of example sentences and phrases illustrate how Japanese words are used in context o Special information is provided on verb conjugations, formality, and other aspects of Japanese grammar and usage