Sixty-one percent of Canadians between the ages of 45 and 64 dont have a formal financial strategy. In The BAPKIN Plan, author and financial planner Gerard Hass provides simple yet effective guidance for creating a financial plan to help you save, invest, and plan for retirement. The BAPKIN Plan presents an easy-to-remember framework and explains the basic steps you can use to simplify and improve your life and your financial wellbeing. Offering checklists to help you organize your journey, this reference tool can guide you to a better understanding of what your financial adviser or planner is recommendingincluding the positive and negative features of potential investments. Youll learn how to develop a commitment to setting simple goals and to following a simple plan based on common sense; commit to strategies to live within your means; draft a statement of net worth and revisit it every year; protect yourself with an emergency fund, line of credit, and insurances; protect your loved ones by having life insurance coverage, a will, and powers of attorney; understand how you are taxed and the importance of seeking professional help; develop a personal pension plan strategy based on your life stage; institute a disciplined investment strategy that will suit your objectives; and work with the adviser who is a professionalnot a salesman. Communicating a wealth of information, Hass provides advice to help move you forward in your financial empowerment.
This book is about conspiracies in high places. Conspiracies it covers include the assassination of JFK, the attacks of 9/11, the Covid-19 Lockdown & Vaccine Mandates, and Malaysia Airlines MH370. Other conspiracy books allege that there is just one high-level conspiracy, but this one maintains that there are four-British (Anglo-American Imperial), Globalist, Zionist and Green-Left. They are forced to share power, so they operate as factions. The Globalists are attempting to implement the World State advocated by H. G. Wells. Aldous Huxley's book Brave New World and George Orwell's book Nineteen Eighty-Four are both warnings about what Wells' World State would be like. Huxley depicted dumbing-down with sex, drugs and entertainment; Orwell depicted Speech Codes and Thought Police. Both have turned out to be correct.
Food emulsions have existed since long before people began to process foods for distribution and consumption. Milk, for example, is a natural emulsion/colloid in which a nutritional fat is stabilized by a milk-fat-globule membrane. Early processed foods were developed when people began to explore the art of cuisine. Butter and gravies were early foods used to enhance flavors and aid in cooking. By contrast, food emulsifiers have only recently been recognized for their abil ity to stabilize foods during processing and distribution. As economies of scale emerged, pressures for higher quality and extension of shelf life prodded the de velopment of food emulsifiers and their adjunct technologies. Natural emulsifiers, such as egg and milk proteins and phospholipids, were the first to be generally utilized. Development of technologies for processing oils, such as refining, bleaching, and hydrogenation, led to the design of synthetic food emulsifiers. Formulation of food emulsions has, until recently, been practiced more as an art than a science. The complexity offood systems has been the barrier to funda mental understanding. Scientists have long studied emulsions using pure water, hydrocarbon, and surfactant, but food systems, by contrast, are typically a com plex mixture of carbohydrate, lipid, protein, salts, and acid. Other surface-active ingredients, such as proteins and phospholipids, can demonstrate either syner- XV xvi Preface gistic or deleterious functionality during processing or in the finished food.
125 of your new favorite recipes, featuring maximum flavor, minimum fuss, and the farm to table style that turned Half Baked Harvest from a beloved blog into the megahit cookbook series “Recipes veer from Braised Pork Tamale Burrito Bowls to Crispy Buffalo Quinoa Bites with no logic other than flat-out good taste.”—Epicurious Tieghan Gerard grew up in the Colorado mountains as one of seven children. When her dad took too long to make dinner every night, she started doing the cooking—at age fifteen. Ever-determined to reign in the chaos of her big family, Tieghan found her place in the kitchen. She had a knack for creating unique dishes, which led her to launch her blog, Half Baked Harvest. Since then, millions of people have fallen in love with her fresh take on comfort food, stunning photography, and charming life in the mountains. While it might be a trek to get to Tieghan’s barn-turned-test kitchen, her creativity shines here: dress up that cheese board with a real honey comb; decorate a standard salad with spicy, crispy sweet potato fries; serve stir fry over forbidden black rice; give French Onion Soup an Irish kick with Guinness and soda bread; bake a secret ingredient into your apple pie (hint: it’s molasses). From Korean Beef, Sweet Potato, and Quinoa Bibimbap to Healthier Slow-Cooker Butter Chicken to Addictive Salted Caramel–Stuffed Chocolate Cookies, a striking photograph accompanies every recipe, making Half Baked Harvest Cookbook a feast your eyes, too.
Description: This book takes a detailed look at the images and scripts of a Medieval narrative map, within the Voynich Manuscript, that describes a rescue mission in the year 1444, following a volcanic eruption on an island in the Mediterranean Sea. The nuns of Ischia Citadel sailed southward to the Aeolian Islands to feed and tend to the survivors of the disaster, before giving them safe passage to the sanctuary of their home. The book provides word-for-word translations of all scripts written on the map, including the date. It also explains the writing system, along with a complete lexicon of the words, which are still to be found in various Romance languages, and in Latin and in Greek.
Cross-border banking, while having the potential for a more efficient financial sector, also creates potential challenges for bank supervisors and regulators. It requires cooperation by regulatory authorities across jurisdictions and a clear delineation of authority and responsibility. That delineation is typically not present and regulatory authorities often have significantly different incentives to respond when cross-border-active banks encounter difficulties. Most of these issues have only begun to be seriously evaluated. This volume, one of the first attempts to address these issues, brings together experts and regulators from different countries. The wide range of topics discussed include: the current landscape of cross-border bank activity, the resulting competitive implications, emerging challenges for prudential regulation, safety net concerns, failure resolution issues, and the potential future evolution of international banking. This book has been selected for coverage in: . OCo Index to Social Sciences & Humanities Proceedings- (ISSHP- / ISI Proceedings). OCo Index to Social Sciences & Humanities Proceedings (ISSHP CDROM version/ISI Proceedings). Sample Chapter(s). Chapter 1: Cross-Border Banking: Forces Driving Change and Resulting Regulatory Challenges (363 KB). Contents: Special Addresses: Cross-Border Banking: Forces Driving Change and Resulting Regulatory Challenges (M H Moskow); Cross-Border Banking and the Challenges Faced by Host Country Authorities (G Ortiz); Survey of the Current Landscape: Risks in US Bank International Exposures (N Cetorelli & L S Goldberg); Cross-Border Banking in Asia: Basel II and Other Prudential Issues (S Hohl et al.); Competitive Implications: Competitive Implications of Cross-Border Banking (S Claessens); Bank Concentration and Credit Volatility (A Micco & U Panizza); Prudential Regulation Issues: Home and Host Supervisors' Relations from a Host Supervisor's Perspective (P Bednarski & G Bielicki); Basel II Home Host Issues (P Jackson); Market Discipline Issues: Confronting Divergent Interests in Cross-Country Regulatory Arrangements (E J Kane); Market Discipline Issues Associated with Cross-Border Banking (D D Evanoff); Safety Net Issues: The Lender of Last Resort in the European Single Financial Market (G J Schinasi & P G Teixeira); Payment Systems and the Safety Net: The Role of Central Bank Money and Oversight (J Stehm); Insolvency Resolution Issues: Banking in a Changing World: Issues and Questions in the Resolution of Cross-Border Banks (M Krimminger); Bank Insolvency Procedures as Foundation for Market Discipline (A Angkinand & C Wihlborg); Policy Panel: Where to from Here?: Comments on Cross-Border Banking: Regulatory Challenges (C Calari); Designing the Home-Host Relationship to Support in Good Times and Bad: Trans-Tasman Developments (A Orr); and other papers. Readership: Professors teaching financial institutions, banking, financial regulation, or international financial markets; research economists interested in financial markets and institutions; financial regulators and policy-makers; financial consultants with internationally active customers.
Research shows that gut microflora and intestinal microbiota play a pivotal role in weight maintenance through its influence on metabolism, appetite regulation, energy expenditure, and endocrine regulation. Gut flora imbalance is why so many people can't lose weight despite exercising more and eating less. In The Gut Balance Revolution, Dr. Gerard Mullin--the foremost authority on digestive health and nutritional medicine--explains how to prevent leaky gut, inflammation, and insulin resistance, which are major contributors to obesity. This book will teach you how to rebalance the gut microbiome using a simple three-step method: Reboot: Weed out fat-forming bad bacteria by eliminating foods that make them grow and promote inflammation, insulin, and fat accumulation, and reignite fat burning metabolism with exercise and dietary supplements. Rebalance: Reseed your gut with goods bugs and fertilize these friendly flora to establish a healthy gut ecology, reduce stress, and reinstitute a healthy lifestyle including sleep hygiene. Renew: Carry this lifestyle adjustment forward and maintain your weight with good eating habits with allowances for pleasure foods. The book features step-by-step meal plans, shopping lists, restaurant guides, recipes, recommendations on dietary supplements, and exercises for each phase so you can easily reboot, rebalance, and renew your health.
Global Mobile Media offers an overview of the complex topic of mobile media, looking at the emerging industry structures, new media economies, mobile media cultures and network politics of mobiles as they move centre-stage in media industries.
A highly illustrated study of one of the most most lethal, survivable, and connected fighter jets in the world. The origins of the F-35 and the amazing challenges the industry had to be overcome go back to a still-secret NATO study that evaluated the vulnerability of air force bases in the West. This spurred development for Short Take off and Vertical Landing (STOVL) fighter aircraft. Only two aircraft with this capability actually entered service, the British Harrier and the Russian Yak-38. However, these aircraft lacked supersonic capability which made them vulnerable to faster fighters. So a program was initiated for a supersonic STOVL fighter – but the trail of unsuccessful efforts was long. NASA, as well as the defense Evaluation and Research Agency and private industry, studied advanced STOVL propulsion ideas but without tangible result. It was only when the Defense Advanced Research Projects Agency, at the request of the Marine Corps, issued study contracts for a supersonic STOVL fighter to American industry that real progress began to be made. It was Lockheed Martin that came up finally came up with a design that resulted in the remarkable F-35, also known as the Joint Strike Fighter. In this book, Gérard Keijsper explores the long and difficult journey that customers led to buying the Lockheed Martin F-35. Gérard reveals the story of the F-35 in service and why it is often described as an ‘international aircraft’. First flown on 15 December 2006, the F-35 achieved Initial Operational Capability with the US Marine Corps in July 2015, being followed soon after, in August 2016, by the USAF. The US Navy, meanwhile, reached this milestone in February 2019. Other nations that have since purchased the F-35 include the United Kingdom, for both the RAF and the Royal Navy, Israel, under which service the type undertook its first combat mission in 2018, Australia, Denmark, the Netherlands, Norway, Japan, South Korea and Italy. There is also a long list of potential customers. This, then, is a fascinating and highly illustrated study of the F-35 in service which, in Lockheed Martin’s own words, is the most lethal, survivable, and connected fighter jet in the world.
When we catastrophize, we think the worst. We make too much of too little, or something of nothing. Yet what looks simply like a bad habit, Gerard Passannante argues, was also a spur to some of the daring conceptual innovations and feats of imagination that defined the intellectual and cultural history of the early modern period. Reaching back to the time between the Renaissance and the Enlightenment, Passannante traces a history of catastrophizing through literary and philosophical encounters with materialism—the view that the world is composed of nothing but matter. As artists, poets, philosophers, and scholars pondered the physical causes and material stuff of the cosmos, they conjured up disasters out of thin air and responded as though to events that were befalling them. From Leonardo da Vinci’s imaginative experiments with nature’s destructive forces to the fevered fantasies of doomsday astrologers, from the self-fulfilling prophecies of Shakespeare’s tragic characters to the mental earthquakes that guided Kant toward his theory of the sublime, Passannante shows how and why the early moderns reached for disaster when they ventured beyond the limits of the sensible. He goes on to explore both the danger and the critical potential of thinking catastrophically in our own time.
Recent research has explored how past interpretation can help contextualize current interpretation as well as provide a more colorful and theologically meaningful understanding of scripture. In St. Augustine's Interpretation of the Psalms of Ascent, Gerald McLarney examines Augustine of Hippo's (d. 430) interpretation of the ascent motif in sermons on Psalms 119-133. He looks at the delivery, transmission, and broader context of the sermons, as well as examining the sermons as they stand.
Epithelial cells exhibit an apical–basolateral axis of polarity that is generated during embryogenesis, is maintained throughout adult life in the face of constant cell regeneration, and is perturbed in several epithelial-associated diseases. We examine the structural and functional organization of epithelial tissues, as well as the events critical for generating epithelial asymmetry including vectorial trafficking of proteins and lipids, association of signaling and polarity proteins with subdomains of the plasma membrane, and 3D orientation of epithelial cells in response to cell–cell and cell–matrix interactions. As a paradigm to understand how these three processes are coordinated in time and space, we explore apical lumen formation. We also examine the final steps in epithelial morphogenesis, including brush border morphogenesis and ciliogenesis. Finally, we provide examples of disease processes that result from defects in epithelial polarity including diabetes insipidus, microvillar inclusion disease, hereditary deafness, ciliopathies, and cancer.
The FactsBook series has established itself as the best source of easily accessible and accurate facts about protein groups. Books in the series use an easy-to-follow format and are meticulously researched and compiled by experts in the field. The Immunoglobulin FactsBook is the first published reference for all 203 human functional and ORF immunoglobulin genes. It is complete and standardized and employs nomenclature approved by the HUGO Nomenclature Committee.
Providing a glimpse into the world of David Beckham and his family, this book looks at their move to Spain, recalling the first frenzied months of their life in Madrid and capturing David's efforts on the pitch to persuade Real Madrid fans that he is more than just a media-made superstar.
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