The economy shrank, bank lending froze, hundreds of thousands lost their jobs, living standards are still falling and Britons will be paying higher taxes for decades to pay the clean-up bill. How on earth had a small Scottish bank grown so quickly to become a global financial giant that could do such immense damage when it collapsed?At the centre of the story was Fred Goodwin, the former chief executive known as "Fred the Shred" who terrorised some of his staff and beguiled others. Not a banker by training, he nonetheless was given control of RBS and set about trying to make it one of the biggest brands in the world. It was said confidently that computerisation and new banking products had made the world safer. Only they hadn't...Based on more than 80 interviews and with access to diaries and papers kept by those at the heart of the meltdown, this is the definitive account of the RBS disaster, a disaster which still casts such a shadow over our economy. In Making It Happen, senior executives, board members, Treasury insiders and regulators reveal how the bank's mania for expansion led it to take enormous risks its leaders didn't understand.From the birth of the Royal Bank in 18th century Scotland, to the manic expansion under Fred Goodwin in the middle of a mad boom and culminating in the epoch-defining collapse, Making It Happen is the full, extraordinary story.

    Learning what it means to fully surrender character defects frees you to make amends with Steps 8 and 9, realize the Big Book’s “Promises,” and move on to Step 10.In this new follow-up resource, Fred H. explores what he calls “the ripple effect” that can be created by using Step 10 to practice Steps 6 and 7 every day and avoid picking up “the rock” again. Drawing on his years of lecturing on the Big Book of Alcoholics Anonymous and Twelve Steps and Twelve Traditions, he reveals Step 10 as the natural culmination of working the previous Steps. providing a crash course on renewing your recovery program through the daily practice of Twelve Step principles.Like its predecessor, Drop the Rock—The Ripple Effect provides multiple perspectives from people successfully working a Twelve Step Program, showing Step 10 as a key to a sober life free of fear and resentment and filled with serenity and gratitude.Fred H. has worked in the field of addiction and recovery for over three decades and is the director of the retreat center for a leading addiction treatment program. He is a popular international speaker on the Big Book and the principles of the Twelve Steps.

      Switch by Chip Heath and Dan Heath| Key Takeaways, Analysis & Review Switch: How to Change Things When Change is Hard (2010) is about how to bring about change in an organization. Its main focus is changing behavior by appealing to the rational and emotional sides of people’s psyches. To generate change, authors Chip and Dan Heath maintain, a leader must connect with both sides, the rational and the emotional. This is because sometimes, one side can work against the other and sabotage successful change. The rational side tends to analyze possibilities for change so much that it becomes unable to act—so change never occurs. The emotional side is ready, or even eager, to act on change, but it can act compulsively and without focus. This means that changes based solely on emotion are likely to fail. To bring about real change, a leader must stimulate the emotional side of a group’s psyche to get the process of change underway, then harness its rational side to give this change a concerted direction…  This companion to Switch includes: Overview of the book Important People Key Takeaways Analysis of Key Takeaways and much more!

    Emotions play a powerful role in shaping our financial behavior, often making us our own worst enemies as we try to save, access value, and spend responsibly. In Dollars and Sense, bestselling author and behavioral economist Dan Ariely teams up with financial comedian and writer Jeff Kreisler to challenge many of our most basic assumptions about the precarious relationship between our brains and our money. In doing so, they undermine many of personal finance’s most sacred beliefs and explain how we can override some of our own instincts to make better financial choices.Exploring a wide range of everyday topics—from the lure of pain-free spending with credit cards to the  pitfalls of household budgeting to the seductive power of holiday sales—Ariely and Kreisler demonstrate how our misplaced confidence in our spending habits frequently leads us astray, costing us more than we realize, whether it’s the real value of the time we spend driving forty-five minutes to save $10 or our inability to properly assess what the things we buy are actually worth. Together Ariely and Kreisler reveal the emotional forces working against us and how we can counteract them. Mixing case studies and anecdotes with concrete advice and lessons, they cut through the unconscious fears and desires driving our worst financial instincts and teach us how to improve our money habits.The result not only reveals the rationale behind our most head-scratching financial choices but also offers clear guidance for navigating the treacherous financial landscape of the brain. Fascinating, engaging, funny, and essential, Dollars and Sense provides the practical tools we need to understand and improve our financial choices, save and spend smarter, and ultimately live better.

    It will give you the answers you need to live a life free of chaos, anger and frustration. Say Goodbye to Crazy is one of the few books that addresses how to cope with a hostile, angry ex-wife whose destructive behavior is overlooked by the courts, the society and sometimes, even your own husband. It is a life-saver. Helen Smith, PhD, forensic psychologist and author of Men on Strike

    The presentation of consolidation material and the use of excerpts from popular business press and references to real world companies and governmental and non-profit institutions are used to illustrate key concepts and maintain a strong student orientation.

    In A Generation of Sociopaths, Gibney examines the disastrous policies of the most powerful generation in modern history, showing how the Boomers ruthlessly enriched themselves at the expense of future generations.Acting without empathy, prudence, or respect for facts--acting, in other words, as sociopaths--the Boomers turned American dynamism into stagnation, inequality, and bipartisan fiasco. The Boomers have set a time bomb for the 2030s, when damage to Social Security, public finances, and the environment will become catastrophic and possibly irreversible--and when, not coincidentally, Boomers will be dying off. Gibney argues that younger generations have a fleeting window to hold the Boomers accountable and begin restoring America.

    Please note this book only contains two words and is entirely satire.

    Case Files: Family Medicine reviews 60 high-yield family medicine cases, each with USMLE-format review questions and clinical pearls that highlight key concepts. In this score-boosting resource, you'll find must-know family medicine cases in an interactive and memorable format written by experienced educators.

    Topics include: Strategies for risk management, such as market, credit, operating, reputation, legal, and funding riskKey investment banking operations including: venture capital and buyouts, Merger & Acquisitions services, equity underwriting, debt, underwriting securitization, financial engineering, investment management, and securities servicesThe latest information on competition and government regulationsRelationships between leveraged buyout (LBO) funds, hedge funds, and corporate and institutional clients

    

    Yet until now there has been no comprehensive text that incorporates the huge strides made in the subject over the past decade. Development Economics does precisely that in a clear, rigorous, and elegant fashion.Debraj Ray, one of the most accomplished theorists in development economics today, presents in this book a synthesis of recent and older literature in the field and raises important questions that will help to set the agenda for future research. He covers such vital subjects as theories of economic growth, economic inequality, poverty and undernutrition, population growth, trade policy, and the markets for land, labor, and credit. A common point of view underlies the treatment of these subjects: that much of the development process can be understood by studying factors that impede the efficient and equitable functioning of markets. Diverse topics such as the new growth theory, moral hazard in land contracts, information-based theories of credit markets, and the macroeconomic implications of economic inequality come under this common methodological umbrella.The book takes the position that there is no single cause for economic progress, but that a combination of factors--among them the improvement of physical and human capital, the reduction of inequality, and institutions that enable the background flow of information essential to market performance--consistently favor development. Ray supports his arguments throughout with examples from around the world. The book assumes a knowledge of only introductory economics and explains sophisticated concepts in simple, direct language, keeping the use of mathematics to a minimum.Development Economics will be the definitive textbook in this subject for years to come. It will prove useful to researchers by showing intriguing connections among a wide variety of subjects that are rarely discussed together in the same book. And it will be an important resource for policy-makers, who increasingly find themselves dealing with complex issues of growth, inequality, poverty, and social welfare.If you are instructor in a course that uses Development Economics and wish to have access to the end-of-chapter problems in Development Economics, please e-mail the author at debraj.ray@nyu.edu. For more information, please go to http: //www.econ.nyu.edu/user/debraj. If you are a student in the course, please do not contact the author. Please request your instructor to do so.

    On August 9th 1969, seven people were found shot, stabbed and bludgeoned to death in Los Angeles at two different locations. Among them was Sharon Tate Polanski: Roman Polanski's heavily pregnant wife who was found with multiple wounds of the chest and back having been stabbed sixteen times. Before she was stabbed to death, Sharon was hanged from one of the rafters in the living room. Jay Sebring: a popular figure in Hollywood circles, Jay was found with a bloody towel covering his face, a rope around his neck slung over rafters and tied to Sharon Tate on the other side. He was stabbed and shot. Cause of death: Exsanguination, the victim bled to death. Abigail Anne Folger: A coffee heiress, a civil rights devotee, volunteer and friend of the Polanski's, Anne was stabbed twenty-eight times. 'Woytek' Frykowski: a close friend of Roman Polanski, and an aspiring novelist, Woytek was shot twice, struck over the head thirteen times and stabbed fifty-one times. Part One gives a detailed account of the crime scene, the victims and the long wait to list the suspects. This was the crime that shook Hollywood and the world.

    Fortunately, Jon McGee is an ideal guide through this dynamic marketplace. In Breakpoint, he argues that higher education is in the midst of an extraordinary moment of demographic, economic, and cultural transition that has significant implications for how colleges understand their mission, their market, and their management. Drawing from an extensive assessment of demographic and economic trends, McGee presents a broad and integrative picture of these changes while stressing the importance of decisive campus leadership. He describes the key forces that influence higher education and provides a framework from which trustees, presidents, administrators, faculty, and policy makers can address pressing issues in the aftermath of the Great Recession.Although McGee avoids endorsing one-size-fits-all solutions, he suggests a number of concrete strategies for handling prospective students and developing pedagogical practices, curricular content and delivery, and management structures. Practical and compelling, Breakpoint will help higher education leaders make choices that advance their institutional values and serve their students and the common good for generations to come.

    5, 1948 sell for $140 million?            Intriguing and entertaining, The $12 Million Stuffed Shark is a Freakonomics approach to the economics and psychology of the contemporary art world. Why were record prices achieved at auction for works by 131 contemporary artists in 2006 alone, with astonishing new heights reached in 2007? Don Thompson explores the money, lust, and self-aggrandizement of the art world in an attempt to determine what makes a particular work valuable while others are ignored.            This book is the first to look at the economics and the marketing strategies that enable the modern art market to generate such astronomical prices. Drawing on  interviews with both past and present executives of auction houses and art dealerships, artists, and the buyers who move the market, Thompson launches the reader on a journey of discovery through the peculiar world of modern art. Surprising, passionate, gossipy, revelatory, The $12 Million Stuffed Shark reveals a great deal that even experienced  auction purchasers do not know.