A future uncertain. Following her father’s sudden death, dark-eyed beauty Ida Rose Lowry has few options on the table. For a woman of her status and education level in 1881 New York, it’s marry or work in a factory. Unfortunately, the number of men beating down Ida Rose’s door amounts to zero. Taking off for Wyoming Territory, and for a new life as a mail-order bride, Ida Rose quickly finds herself pulled into a fast world full of natural disasters, bandits, and family secrets. There is one shining light amidst the darkness – Thomas Adkins, the sandy-haired farmer who is to be Ida Rose’s husband-to-be. Though they butt heads, Tom and Ida Rose cannot help but ultimately grow closer. Finally, the future looks bright. ...Until the past rears its ugly head. There are secrets in Shallow Springs, Wyoming, darkness that has been tamped down for years, questions that need answering. Can love prevail in the face of such difficulty? And, what’s more, is love itself truly enough? How are Ida Rose and Tom going to face their cruel fate?

    

    We all sense that, but Mervyn King knows it firsthand; his ten years at the helm of the Bank of England, including at the height of the financial crisis, revealed profound truths about the mechanisms of our capitalist society. In The End of Alchemy he offers us an essential work about the history and future of money and banking, the keys to modern finance.The Industrial Revolution built the foundation of our modern capitalist age. Yet the flowering of technological innovations during that dynamic period relied on the widespread adoption of two much older ideas: the creation of paper money and the invention of banks that issued credit. We take these systems for granted today, yet at their core both ideas were revolutionary and almost magical. Common paper became as precious as gold, and risky long-term loans were transformed into safe short-term bank deposits. As King argues, this is financial alchemy—the creation of extraordinary financial powers that defy reality and common sense. Faith in these powers has led to huge benefits; the liquidity they create has fueled economic growth for two centuries now. However, they have also produced an unending string of economic disasters, from hyperinflations to banking collapses to the recent global recession and current stagnation.How do we reconcile the potent strengths of these ideas with their inherent weaknesses? King draws on his unique experience to present fresh interpretations of these economic forces and to point the way forward for the global economy. His bold solutions cut through current overstuffed and needlessly complex legislation to provide a clear path to durable prosperity and the end of overreliance on the alchemy of our financial ancestors.

    The company was forced to write-down $900 million in inventory and Surface’s future was in jeopardy.Beneath A Surface tells the inside story of how Microsoft turned its hardware dreams into a reality with new details about the challenges Panos and his team had to overcome as well as the internal politics that nearly killed the brand.For fans of Microsoft and those who are interested in the business of building brands, Beneath A Surface is a must read that tells the inside story of how Microsoft turned a failure into a fortune.

    . .It’s 1981. Eleven-year-old Sadie adores her beautiful and vibrant mother, Connie, whose dreams of making it big as a singer fill their tiny house in Leeds. It’s always been just the two of them. Until the unthinkable happens.Jean hasn’t seen her good-for-nothing daughter Connie since she ran away from the family home in Harlow – or Pram Town as its inhabitants affectionately call it – aged seventeen and pregnant.But in the wake of the Royal Wedding, Jean gets a life-changing call: could she please come and collect the granddaughter she’s never met?We all know how Charles and Diana turned out, and Jean and Sadie are hardly a match made in heaven – but is there hope of a happy ending for them?Written in Joanna Nadin’s trademark dazzling prose, The Talk of Pram Town tells the story of three generations of Earnshaws and asks whether it always has to be like mother, like daughter . .

    After all, he'd left her to raise their daughter alone.The bed and breakfast inn she ran from their home provided a comfortable life for her and Prudence - until the bank's loan officer, Mason Raber, called in their final payment. A balloon. One she couldn't possibly afford. The odious man threatened to take away everything she had.It didn't matter how hard she tried to save her business, he stopped her at every turn, putting up roadblocks and insinuating she wasn't competent enough to take care of herself.Eve was determined to fight him to the bitter end. But Mason wasn't easy to keep at arm's length. Either as her loan officer, or as a man.*****This is the exciting new best-selling Amish Romance Series by #1 inspirational author, Emma Schwartz. The saga of Hope Valley, Iowa starts with The Amish Inn, Book #1. All Emma Schwartz's Amish Romance books are clean, wholesome and filled with family values. This standalone, Amish romance novel contains no cliffhanger and a joyful happily ever after.Download now!

    In fact it was a dramatic caesura of global significance that spiraled around the world, from the financial markets of the UK and Europe to the factories and dockyards of Asia, the Middle East, and Latin America, forcing a rearrangement of global governance. In the United States and Europe, it caused a fundamental reconsideration of capitalist democracy, eventually leading to the war in the Ukraine, the chaos of Greece, Brexit, and Trump.It was the greatest crisis to have struck Western societies since the end of the Cold War, but was it inevitable? And is it over? Crashed is a dramatic new narrative resting on original themes: the haphazard nature of economic development and the erratic path of debt around the world; the unseen way individual countries and regions are linked together in deeply unequal relationships through financial interdependence, investment, politics, and force; the ways the financial crisis interacted with the spectacular rise of social media, the crisis of middle-class America, the rise of China, and global struggles over fossil fuels.Finally, Tooze asks, given this history, what now are the prospects for a liberal, stable, and coherent world order?

    Civilization, we are told, could be achieved only by sacrificing those original freedoms or, alternatively, by taming our baser instincts. David Graeber and David Wengrow show how such theories first emerged in the eighteenth century as a conservative reaction to powerful critiques of European society posed by Indigenous observers and intellectuals. Revisiting this encounter has startling implications for how we make sense of human history today, including the origins of farming, property, cities, democracy, slavery, and civilization itself.Drawing on pathbreaking research in archaeology and anthropology, the authors show how history becomes a far more interesting place once we learn to throw off our conceptual shackles and perceive what's really there. If humans did not spend 95 percent of their evolutionary past in tiny bands of hunter-gatherers, what were they doing all that time? If agriculture, and cities, did not mean a plunge into hierarchy and domination, then what kinds of social and economic organization did they lead to? The answers are often unexpected, and suggest that the course of human history may be less set in stone, and more full of playful, hopeful possibilities, than we tend to assume.The Dawn of Everything fundamentally transforms our understanding of the human past and offers a path toward imagining new forms of freedom, new ways of organizing society. This is a monumental book of formidable intellectual range, animated by curiosity, moral vision, and a faith in the power of direct action.

    Smoking has gone from doctor recommended to deadly. We used to think the Earth was the center of the universe and that Pluto was a planet. For decades, we were convinced that the brontosaurus was a real dinosaur. In short, what we know about the world is constantly changing.   But it turns out there’s an order to the state of knowledge, an explanation for how we know what we know. Samuel Arbesman is an expert in the field of scientometrics—literally the science of science. Knowl­edge in most fields evolves systematically and predict­ably, and this evolution unfolds in a fascinating way that can have a powerful impact on our lives.   Doctors with a rough idea of when their knowl­edge is likely to expire can be better equipped to keep up with the latest research. Companies and govern­ments that understand how long new discoveries take to develop can improve decisions about allocating resources. And by tracing how and when language changes, each of us can better bridge gen­erational gaps in slang and dialect.   Just as we know that a chunk of uranium can break down in a measurable amount of time—a radioactive half-life—so too any given field’s change in knowledge can be measured concretely. We can know when facts in aggregate are obsolete, the rate at which new facts are created, and even how facts spread.   Arbesman takes us through a wide variety of fields, including those that change quickly, over the course of a few years, or over the span of centuries. He shows that much of what we know consists of “mesofacts”—facts that change at a middle timescale, often over a single human lifetime. Throughout, he of­fers intriguing examples about the face of knowledge: what English majors can learn from a statistical analysis of The Canterbury Tales, why it’s so hard to measure a mountain, and why so many parents still tell kids to eat their spinach because it’s rich in iron.   The Half-life of Facts is a riveting journey into the counterintuitive fabric of knowledge. It can help us find new ways to measure the world while accepting the limits of how much we can know with certainty.

    What could possibly go wrong? For Ava Sext, a transplanted Londoner who sells books from an outdoor stand that overlooks the Seine River, her day goes from bad to worse when the tall handsome stranger whose appearance her horoscope predicted disappears after he is almost killed before her eyes and that's before she discovers that he supposedly died weeks earlier! With the help of her fellow bookseller, Henri DeAth, a former notary in a country where notaries are a powerful caste who not only know where the bodies are buried but probably helped bury them, Ava attempts to find her not-so-dead man before he turns up dead for real while trying to remain alive. Death on the Seine is a cozy mystery set in Paris, a city where food, wine and crime make life worth living… along with a few books and Mercury, the cat.

    It is important for every person to save for one’s retirement as one can expect to live for twenty years after one retires as life expectancy of an Indian is going up steadily due to lower infant mortality and better medical care. There is a complete absence of social security safety net for most Indians today, even for those working in Government sector, there is no inflation adjusted pension available anymore. I have tried to simplify the advantages and disadvantages involved in investing your savings in various asset classes. I have deliberately left out two of the most popular forms of investment among middle class Indians 1) Life insurance 2) Real estate Let us consider life insurance first most of us confuse insurance as an instrument of savings, it is not. We have this wrong view because of the tax breaks given to income tax assesses by the Central Government. Insurance is a product that mitigates risk and is sold by the rich to the middle class and is always skewed in the favour of the insurer rather than the insured. A substantial portion of the total money invested by you goes towards paying agent’s commission and premium for insuring you for the risk of mortality. The balance left out is invested in government securities and other securities. Hence the amount of money invested out of the total premium paid is less than half paid by the insurer. The return on money invested by the policy holder is less than half of the money he would have earned either in bonds or fixed deposits. A person who needs insurance is a person whose family will need support in the event of his untimely death. Alternately insurance is required for a person who has debt in form of mortgage and does not want to burden his family in the event of his passing. The product which covers these risks is called term insurance. One should not buy insurance to avoid taxes as there is better tax saving tools available. Real estate is also considered as a good investment by several retail investors but nothing can be further from the truth. Nobody makes money by buying plots in the middle of nowhere. The easy availability of mortgages from the nineties and the tax breaks given by the Central Government on housing loans has created an unparalleled boom in the residential market. There is now a painful correction process under way in that sector. The price of land is reflexively connected to availability of money. The lower the cost of money, greater the returns in real estate. Buying plots in the middle of nowhere is similar to buying lottery tickets as investment. Land cannot be liquidated immediately into cash at a short notice to meet urgent requirements. Cost of maintenance and protection of real estate from illegal occupation is prohibitive and time consuming. Verification of title deeds to the property is a complex process and needs sound legal advice. You should have a house to live and another to collect rent as rent is equivalent of inflation adjusted pension. The return on investment generated in the three different asset classes over 25 years would be in the following order 1) Equities 2) Gold and finally 3) Debt instruments. I enjoyed writing this book as a companion volume to my first book. It is my fond hope that you enjoy reading this book.

    This edition provides updated coverage of events such as the September 11th terrorist attacks and their effect on insurance, the Economic Growth and Tax Relief Reconciliation Act of 2001 and the President's Commission on Social Security.

    

    Economics, finance, business & management

    Again. Rather than wander the streets and continue to work for a dirty cop, she decides to leave the city and disappear for good. But her car breaks down in a New Mexico town, and everything is threatened when she falls for the charming mayor. Sam Freedman is the first bachelor mayor of Amor. After convincing the locals that having a mayor without family responsibilities means he can dedicate all his time to the community, townspeople watch his every move. Then Katie Andersen shows up. Against Sam’s better judgement, he hires her to replace his event coordinator. Now he can barely think straight, let alone run a town. In the midst of half-truths and outright lies, Katie and Sam desperately search for the place where honesty and trust lead to love. Can they find it before the past catches up with them?