Revealing a side of the famed city that tourists rarely experience, this handbook uncovers a hidden realm of ghosts, apparitions, and paranormal phenomena in San Francisco. The guide delves into the haunted hotspots that unsuspectedly lie in the city's most famous landmarks and neighborhoods, including Alcatraz, Chinatown, and the Presidio, while directions to each hair-raising location are provided, encouraging adventurous sightseers to seek out their own ghostly encounters. With the history of each frightening locale, the probable life stories of their resident spirits, and actual transcripts of their conversations with a psychic, this supernatural study delivers a realistic feel for encountering the uncanny.
The Evidence-Based Inquiry Using Primary Sources series for grades 1 to 6 will engage students in a world of inquiry and discovery. Inquiry-based learning is active learning that elicits a higher level of reading comprehension. The pages of these books contain exciting and fascinating real-world photographs, advertising, recipe cards, theater programs, posters, letters, and maps, as well as other interesting items that document history. Each book highlights 15 primary sources across four pages each. The first three pages of each set present the same primary source with text that is differentiated for three reading levels. The last page of each set offers questions and prompts to encourage higher-level thinking and inquiry.
The Alder Bed is an intricate, multi-generational family saga filled with secrets and regrets. We meet the Fishers, a minor fish trading family living in a small Newfoundland outport near the turn of the century. In 1914, Captain Ken Fisher dies at sea. Bereft, his fifteen-year-old daughter, Lexie, becomes involved with Dan Connor, local hell-raiser, and becomes pregnant. They marry in 1915, as he prepares to leave for the war. Upon his return, Dan, unable to settle back into his old life, turns to alcohol. Lexie gives birth to three daughters in quick succession, but, largely abandoned by her husband, frail by nature and beset by painful memories, she suffers a breakdown and is institutionalized. Deprived of their mother’s presence, and without any meaningful parental stability, her daughters grow up estranged from one another, each one harbouring her own tightly-held memories and secrets. The Alder Bed is a complex story of loss and heartache. By focusing on the women of three generations, and on the man who dominated their lives, it demonstrates the fortitude of women living harsh lives with men either literally absent or emotionally bankrupt. Readers will find this rich, authentic, if disturbing, portrayal of women’s lives in a remote coastal town deeply convincing and entirely captivating, and will race towards the ending as dark secrets are revealed.
When Sts. Louis and Zélie Martin were canonized in 2015, they were the first spouses to be declared saints as a couple. Their lives are proof that God works through ordinary families to draw his future saints—like St. Thérèse of Lisieux, Louis and Zélie’s youngest daughter—toward holiness. Even before their first encounter in the small town of Alençon, France, God was preparing Louis and Zélie for marriage. Later, he continued to sustain them powerfully in their married love and family life. Rooted in Love: Louis and Zélie Martin: Models of Married Love, Family Life, and Everyday Holiness explores the stages of Louis and Zélie’s marriage, from the joys of parenthood, through the sorrows of bereavement, and ultimately to the challenges of single parenthood—experiences which many families face today. Author Annette Goulden demonstrates how, amid both the joys and the sorrows of family life, these saints grew in their understanding of God’s love for them. From the initial urge to earn God’s favor with sacrifices and sufferings to a deeper understanding of God’s unconditional love even in the minutiae of daily life, God was their guide on the path to holiness, a path that is open to all married couples. This book is for both families and individuals—to offer them light and guidance to live their ordinary everyday life in closeness with God. No matter one’s vocation in life, Louis and Zélie exemplify how everyday experiences, such as being a working parent, running a business, or raising a difficult child, can be sacramental if one is open to a trusting relationship with God, even when he seems to be absent. Whatever the situation a married couple find themselves in, this saintly couple shows how daily actions and choices—however small and ordinary—are highly valued by God and can lead to holiness, to a close relationship with him, and to forming children who are strong in faith, maturity, and joy. The book contains a fully linked index and 41 photos. About the Author Annette Goulden, O.C.D.S., is a Secular Discalced Carmelite from Newbury, England. In 2002, she helped found a new Secular Order community in Oxford. She has served the Discalced Carmelite Secular Order in numerous capacities, including as national president and as a member of the O.C.D.S. National Council. She has written articles and book reviews for Mount Carmel magazine and gives talks and individually guided retreats. Until her recent retirement, Annette worked as a doctor, specializing in child and adolescent psychiatry. She gained an additional qualification in psychoanalytical psychotherapy and has trained in spiritual direction. Her extensive background in both Carmelite spirituality and psychology, combined with her life experience as a mother and grandmother, makes Annette Goulden ideally placed to have written this insightful study of Sts. Louis and Zélie Martin.
A collection of four sexy romance stories featuring a quartet of dashing sports heroes and their ladies features Deirdre Martin's Smae Rink, Next Year, Lucky Charm by Julia London, You Can't Steal First by Annette Blair, and Geri Buckley's Can't Catch This. Original. 40,000 first printing.
The focus of this thesis is on consumer diversity. Incorporating consumer heterogeneity into economic analysis is well-established in industrial organization literature; this aspect is, however, often neglected in microeconomic insurance models. A first new approach lies in analyzing risk interdependencies. When risks are interdependent, an agent's decision to self-protect affects the loss probabilities faced by others. Due to these externalities, economic agents invest too little in prevention relative to the socially efficient level by ignoring marginal external costs or benefits conferred on others. We analyze an insurance market with externalities of loss prevention. It is shown in a model with heterogenous agents and imperfect information that a monopolistic insurer can achieve the social optimum by engaging in premium discrimination. An insurance monopoly reduces not only costs of risk selection, but may also play an important social role in loss prevention. This result can be empirically confirmed. We also deal with the impact of intermediation on insurance market transparency and performance. In a differentiated insurance market under imperfect information, uninformed consumers may become informed about product suitability by consulting an intermediary. We analyze current broker compensation systems: commissions and fees. While insurers' equilibrium profits are equivalent under both systems, social welfare under fees is first-best efficient. Both systems may offer the opportunity to increase profits via collusion. Under a commission system, collusion enables insurers to separate consumers into groups purchasing different contracts. Insurers may then extract additional rents from some consumers. This might explain why intermediaries tend to be compensated by insurers in practice. Finally, we study optimal monopoly pricing given imperfect information and heterogenous policyholders. Die in englischer Sprache verfasste Arbeit ist der mikroökonomischen Analyse von Versicherungsmärkten gewidmet. Zunächst werden einige wichtige theoretische Grundlagen der Versicherungsnachfragetheorie beschrieben. Eine zentrale Erweiterung des Basismodells stellen interdependente Risiken dar. Bestehen Risikointerdependenzen, so sind alle Maßnahmen, die die Schadenshäufigkeit reduzieren, mit positiven externen Effekten verbunden. Es wird gezeigt, dass im Gleichgewicht das realisierte Präventionsniveau unterhalb des optimalen Niveaus angesiedelt ist. Aufgrund der Externalitäten kommt es zu einem Marktversagen und nur ein Monopolversicherer kann eine differenzierte Prämienstruktur herbeiführen, die zum optimalen Präventionsniveau führt. Dieses Ergebnis kollidiert mit dem Ergebnis, dass wettbewerbliche Versicherungsmärkte zu einer höheren Gesamtwohlfahrt führen, es lässt sich jedoch empirisch stützen. Ein weiterer Schwerpunkt der Arbeit liegt auf unvollkommenen Versicherungsmärkten, wobei heterogene Versicherungsnachfrager mit unterschiedlichen Produktpräferenzen und Informationskosten unterstellt werden. In einem solchen Markt erhöhen Versicherungsvermittler die Markttransparenz und damit auch die Gewinne der Versicherer. Im Mittelpunkt steht die Analyse verschiedener Vergütungsformen der Vermittler. Ein Vergütungssystem auf Basis von Beratungshonoraren ist einem Provisionssystem aus wohlfahrtsökonomischer Perspektive vorzuziehen. Aus Sicht der Versicherer kehrt sich dieses Ergebnis allerdings um, sobald es zur Kollusion zwischen Versicherern und Vermittlern kommt. Der letzte Schwerpunkt liegt in der Analyse einer optimalen Preispolitik eines Versicherungsmonopolisten bei heterogenen Nachfragern, die sich durch ihre Risikopräferenzen und damit ihre individuelle Zahlungsbereitschaft für Versicherungen unterscheiden.
From his earliest shorts to his recent feature films The Departed and Shutter Island, this book offers an in-depth analysis of the deepest archetypal themes, symbols, and structures in Martin Scorsese's entire body of work. It examines each of Scorsese's films as a mythological journey through which the main character is offered an opportunity for psychological and spiritual enlightenment, focusing especially on how each character is led to recognize, accept, and embrace his or her flawed traits. The book also explores the ways in which Scorsese's films incite extreme reactions and strike deep chords within his viewers, particularly by speaking the language of the unconscious and forcing readers to examine their own hidden flaws.
For decades Annette Collins organized her memories, emotions and wisdom in the form of poetry and vignettes. At last, in this collection, she shares the truth, pain, joy and beauty of a lifetime.
Whether you need help sorting facts from sensationalism or want to have an informed opinion about the most important conversation going on today, "Cocktail Party Guide to Global Warming" provides what you need to know. In this acclaimed environmental primer, Saliken: . translates scientific data into clear, simple language that readers can digest quickly and easily, drawing on credible scientific sources such as the Nobel Prize-winning Intergovernmental Panel on Climate Change . 'connects the dots' between climate change, global warming, natural processes, greenhouse gases, carbon dioxide and fossil fuels . clarifies common misconceptions and answers frequently asked questions about global warming Saliken avoids political and environmental bias, maintaining objectivity and presenting information in a straightforward manner that is never preachy. Her self-published first edition of the book garnered positive reviews and awards, including a 2009 Reader Views Readers' Choice Award in the current events category. "Global Warming" is the first in the Cocktail Party Guide series of easy-to-read, upfront books on contemporary issues.
When 40-year-old Chris Martin decided to resume the career she had put aside, her husband & children balked. Against their wishes, she took a job as a journalist. As if to confirm their fears, she becomes involved in a murder investigation.
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