Incorporate economic moat analysis for profitable investing Why Moats Matter is a comprehensive guide to finding great companies with economic moats, or competitive advantages. This book explains the investment approach used by Morningstar, Inc., and includes a free trial to Morningstar's Research. Economic moats—or sustainable competitive advantages—protect companies from competitors. Legendary investor Warren Buffett devised the economic moat concept. Morningstar has made it the foundation of a successful stock-investing philosophy. Morningstar views investing in the most fundamental sense: For Morningstar, investing is about holding shares in great businesses for long periods of time. How can investors tell a great business from a poor one? A great business can fend off competition and earn high returns on capital for many years to come. The key to finding these great companies is identifying economic moats that stem from at least one of five sources of competitive advantage—cost advantage, intangible assets, switching costs, efficient scale, and network effect. Each source is explored in depth throughout this book. Even better than finding a great business is finding one at a great price. The stock market affords virtually unlimited opportunities to track prices and buy or sell securities at any hour of the day or night. But looking past that noise and understanding the value of a business's underlying cash flows is the key to successful long-term investing. When investors focus on a company's fundamental value relative to its stock price, and not where the stock price sits today versus a month ago, a day ago, or five minutes ago, investors start to think like owners, not traders. And thinking like an owner will makes readers better investors. The book provides a fundamental framework for successful long-term investing. The book helps investors answer two key questions: How can investors identify a great business, and when should investors buy that business to maximize return? Using fundamental moat and valuation analysis has led to superior risk-adjusted returns and made Morningstar analysts some of the industry's top stock-pickers. In this book, Morningstar shares the ins and outs of its moat-driven investment philosophy, which readers can use to identify great stock picks for their own portfolios.
The acclaimed authors of The Book of Luck are back with some brilliant ideas for bringing more happiness into your life. The Book of Happiness is more than just a practical guide to improving your happiness levels. It's a complete makeover, aimed at putting a spring in your step, and a permanent lift to your spirits. We all know happiness is a state of mind, but few of us know how to improve our share of it. Many people think that happiness just comes out of nowhere. Not so. The reality is you can create your own happiness by choosing what you do, what you say, where you go, what you remember, who and what you surround yourself with, what you think and what you listen to. The Book of Happiness kicks off with a Happiness Questionnaire to give you an instant snapshot of your current state of mind. Once you have scored yourself, you will learn the areas you need to focus on. There is a workbook to complete at each key stage, as well as stirring anecdotes, tips and happy thoughts to keep you going. Just remember: it only takes 21 days to get rid of an unwanted habit and to acquire a new one. Isn't it about time you got the happiness habit?
Cousins Valerie and Toni McVay have been best friends forever, and when you’re a McVay you need all the friends you can get. When Toni’s twelfth birthday is marred by a terrible crime, the wicked path of the girls looks set. A decade later, the McVay family aren't the unstoppable force they once were in the Glaswegian criminal underworld but Frankie McVay, the up-and-coming prince, is determined to restore the family to its former glory by whatever means necessary. And the whole family are expected to help. His sister Toni shares her brother’s blood lust but Valerie dreams of a quieter life, and when she meets and falls in love with Seb, as straight as Frankie is bent, as kind as Frankie is wicked, Val sees her way out. Can she escape a family that is determined to own the city, and to keep Valerie firmly in their violent grasp? And will Toni ever let her best friend Val turn her back on the bloody secret they have shared for all these years... Heather Atkinson is back with a treat for all gangland fans. If you love Kimberley Chambers, and Jessie Keane, you’ll love Wicked Girls, and readers of Heather’s Gallowburn series can look forward to bumping into some old friends... What readers are saying about Heather Atkinson: 'Another brilliant book from Heather...she really is one the best in the business' 'I have read ALL Heather Atkinson's books. They are all fantastic' 'All Heather's books are action packed and have you on edge' 'I stumbled upon Heather's books and I'm so glad I did, characters excellent and storylines are great, I find myself searching the book stores for more of them to read the minute I finish one
It is 1967. In the Midwestern university city where Lyra lives, the culture is still predominantly the conservative, conformist culture of the fifties. But on the coasts, changes are stirring in consciousness, gender roles, spirituality and the ripples of these changes are beginning to touch the Heartland. Lyra has given up the promise of a brilliant dance career for marriage and children. Heartbroken and crazed over the deterioration of her marriage and the loss of her art, tormented by inner voices, she runs from her house on an evening in May to a nearby wood. There she finds a strange, luminous path that leads her to a glade deep in the heart of the wood, where a magnificent oak tree stands in the curve of a stream. The oak tree speaks to her with love, and under its boughs she finds peace. After her psychiatrist recommends a temporary separation, her husband leaves for the summer to do research at Harvard. Peggy, a warm-hearted, young graduate student, moves in to help with the children, giving Lyra more freedom than she s had since her first child was born. As Lyra unravels the mystery of the oak tree in the months that follow, profound changes transform her inner and outer worlds, bringing her soaring joy and devastating grief. Biography Heather Starsong has been dreaming and telling stories since childhood. Semi-retired from a long career teaching dance and yoga and practicing Rolfing, she lives in Boulder, Colorado, and enjoys dancing, hiking in the high country and writing.
In the shadows of a Scottish castle, something deadly is lurking in every corner… When FBI special agent Luke Kendrick discovers chilling evidence of dozens of victims at a crime scene in London, he recognizes the calling card of the notorious H. H. Holmes Society. Named for the nineteenth-century monster regarded as America’s first serial killer, the society is comprised of a twisted web of killers, working to carry out heinous murders in Holmes’s memory. And now the group’s been linked to a Scottish castle turned B and B—where guests check in but never check out. Arriving at the sinister Graystone Castle posed as a tourist, Luke is joined by Special Agent Carly MacDonald, and the pair is immediately confronted by dangers hidden in the castle’s depths. With guests disappearing and a network of killers closing in, Luke and Carly have only each other to rely on—and they’ll have to race to cut off the head of the snake before the blood trail of the past can culminate in a very real and deadly present. The Blackbird Files Book 1: Death Behind Every Door Book 2: Market for Murder Book 3: Legacy of Blood
I WILL CONTINUE TO ENJOY STARGAZING AS THE MONTHS GO BY" Helen Sharman, astronaut "VERY USEFUL INDEED" Chris Lintott, Sky at Night presenter "IF YOU BUY JUST ONE GUIDE... YOU WON'T DO BETTER THAN THIS" BBC Sky at Night Magazine Philip's Month-by-Month Stargazing 2020 is the new, bestselling and most-up-to-date guide for Stargazers in Britain and Ireland. The new 2020 edition has been completely revised to make it even more essential for exploring the night skies - making the night sky accessible to beginners and experts alike. · 12 month-by-month Night Sky Maps for year-round stargazing · Monthly Calendar of moon phases and special events in 2020 · Planet Watch: the best viewing days for planets in 2020 · Dark Sky Map of the UK - find the darkest skies · How to photograph the night skies - with cameras and smartphones · The major astronomical events of 2020 · Month-by-month Top 20 Sky Sights 2020 · Plus new, illustrated Jargon Buster Plus: · Expert advice on what to see each month from Heather Couper and Nigel Henbest, Philip's internationally renowned authors. · The Solar System 2020 explains the movement of the planets, with particular attention paid to their positions in 2020. Solar and lunar eclipses, meteor showers and comets are also described. · Expert Robin Scagell's Equipment Review looks at the pros and cons of Stargazing with reflector or refractor telescopes. · And all superbly illustrated with photographs taken by the best amateur photographers illustrating the night skies. About the Authors Philip's Stargazing Month by Month 2020 is written by two of the UK's best-known and respected astronomers. Prof. Heather Couper and Prof. Nigel Henbest are qualified astrophysicists, dedicated to sharing their love of the cosmos to everyone. They work in TV and radio broadcasting, international presentations, and have written over fifty popular books between them.
After the Apollo program put twelve men on the moon and safely brought them home, anything seemed possible. In this spirit, the team at NASA set about developing the Space Shuttle, arguably the most complex piece of machinery ever created. The world's first reusable spacecraft, it launched like a rocket, landed like a glider, and carried out complicated missions in between. Bold They Rise tells the story of the Space Shuttle through the personal experiences of the astronauts, engineers, and scientists who made it happen--in space and on the ground, from the days of research and design through the heroic accomplishments of the program to the tragic last minutes of the Challenger disaster. In the participants' own voices, we learn what so few are privy to: what it was like to create a new form of spacecraft, to risk one's life testing that craft, to float freely in the vacuum of space as a one-man satellite, to witness a friend's death. A "guided tour" of the shuttle--in historical, scientific, and personal terms--this book provides a fascinating, richly informed, and deeply personal view of a feat without parallel in the human story. Browse more spaceflight books at upinspace.org.
The Secret Life of Space is the definitive guide to understanding the key breakthroughs and discoveries mankind has made to unravel the mysteries of the Cosmos. This engaging and fast-paced narrative debunks the urban myths of astronomy, revealing the true stories behind our biggest breakthroughs. Starting with the discovery that Stonehenge was actually built to celebrate the winter solstice rather than the summer, this book leads us through history to reveal that the telescope was not invented by Galileo, Einstein did not predict the presence of black holes or the Big Bang and Copernicus’s theory that the Sun was at the centre of the Universe might have actually disappeared without a trace had it not been for the efforts of one of his fanatical disciples. Renowned scientists and authors Nigel Henbest and Heather Couper also uncover the unsung heroes and heroines who have been overlooked in the history of scientific endeavor. These stories include the computer engineer who discovered more exploding stars in his back garden than anyone else in history, the teacher who developed the basis for radio astronomy and the sanitary engineer who found evidence of life on Mars. Finally, they look to today’s increasing possibility of space travel as we push the frontiers of discovery and ask the perennial question, is there life out there?
Written in non-technical language for the amateur astronomer, this guide explores the structure of the galaxy as a whole. Specially created maps locate tourist sites in the galactic journey, such as the blazing Orion nebula, nurseries where young stars are hatched, & deadly pulsars & black holes.
The Mer Chronicles Book 1 The Caribbean, where fantasy and reality collide… True love was the last thing David Cooley expected to find in the Bahamas, but the moment he laid eyes on Faren Sands, he knew he had found the girl of his dreams. How could he know she was a mermaid from the lost island of Atlantis? Because of the strict laws regarding human contact, the couple flees the consequences of their forbidden passion, struggling to survive a conflict that has been brewing between the mermaids and sea demons for the last eleven thousand years. Once the epic battle begins, fate forces David to make a decision that will forever affect his young life. Should he stick by the woman he loves, risking his survival for a civilization that hates him?
New York Times bestselling Heather Graham turns a sunny getaway into a gripping thriller when an unlikely vacationer finds something she shouldn’t have! On a weekend vacation Beth Anderson is unnerved when a stroll on the beach reveals what appears to be a skull. As a stranger approaches, Beth panics and covers her morbid find. But when she later returns to the beach, the skull is gone. Determined to locate solid evidence to bring to the police, Beth digs deeper into the mystery of the skull—and everywhere she goes, Keith Henson, the stranger from the beach, seems to appear. He claims to be keeping an eye on her safety, but Beth senses other motives. Then a body washes ashore, and Beth begins to think she needs more help than she bargained for. Because investigating is a dangerous game, and someone wants to stop Beth from playing. Previously published.
Be prepared, once you start reading, it's hard to put down.' NetGalley Reviewer, ***** Follow the ups and downs of the working girls on the streets of Manchester – as they navigate ruthless pimps, passionate love affairs, intimidating gangs, and heart-racing revenge – with the gritty gangland thrillers from Heather Burnside. Collected in a single volume for the first time, this is the five novels in the Working Girls series: THE MARK RUBY CRYSTAL AMBER SAPPHIRE 'I love this series and how all the books merge in places around the girls.' NetGalley Reviewer, ***** 'Heather Burnside's addictive narrative and dialogue and some truly heartfelt and authentic storytelling, held me in angry thrall from the very first, to the very final word.' fiction-books, *****
Career guide aimed specifically at the large number of people working in non-academic higher education roles, such as higher education administrators or professional services staff. Based on the authors' real-life experience and first-hand research, the book features case studies which enrich the material and bring it to life.
When Julie Quinley wakes up after a night out with friends to find herself accused of murder, it proves to be only the beginning of her worst nightmare. Released by the police due to lack of evidence, Julie nevertheless faces the taunts and hostility of colleagues, as more and more people – including members of her own family – seem convinced she is a cold-hearted killer. Just when it seems as if all hope has gone, and Julie's mental state reaches rock bottom, her friend Vinny announces a breakthrough; something he has witnessed that could prove Julie's innocence once and for all. But the police remain unconvinced, and Julie and her friends find themselves having to take bigger and bigger risks to collect the evidence they need to nail the culprit. Will they be in time to save an innocent woman from being convicted of a crime says she didn't commit? Or will a ruthless killer get away with murder?
The late Gore Vidal occupied a unique position within American letters. Born into a political family, he ran for office several times, but was consistently critical of his nation’s political system and its leaders. A prolific writer in several genres, he was also widely known – particularly in the United States – on the basis of his frequent appearances in the various electronic media. In this groundbreaking work examining the central theme of power throughout Vidal’s writings, Heather Neilson focuses primarily on Vidal’s historical fiction. In his novels depicting American history and those set in ancient times, Vidal evokes a world in which deliberately propagated falsehood – ‘disinformation’ – becomes established as truth. Neilson engages with Vidal’s representations of political and religious leaders, and with his deeply ambivalent fascination with the increasingly inescapable influence of the media. She asserts that Vidal’s oeuvre has a Shakespearean resonance in its persistent obsession with the question of what constitutes legitimate power and authority.
On a stifling August day, six-year-old Clare Fraser and seven-year-old Rudy Vantwest make eye contact from opposite sides of their street. For an instant they are connected, then each turns away — Clare to the shelter of the garden sprinkler, Rudy to the excitement of his brother's impending birth. Twenty-five years later, Clare and Rudy, strangers living continents apart, fixtures of each other’s memories and imaginations, are connected again. Overturning the guarded, insular lives they both lead, two events — one an accident, the other an act of terror — transform them both and bind the Vantwest and Fraser families irrevocably. Adam's Peak weaves back and forth between a Montreal suburb and a Colombo private school, between a Ceylon tea estate at the end of the Second World War and a small Scottish town in the early 1960s, its characters struggling desperately to come to terms with themselves and with their powerful connections to the people and places they have tried to escape.
Don’t just imagine the life you want, start living it right now with this guide to putting your dreams into practice every day. Inspirational author and speaker Heather McCloskey Beck wants you to know that there's nothing more important than figuring out what makes your heart sing—and doing it every day. So many of us have been trained to think it's not “responsible” to prioritize doing what we love, that there are more important things to life than feeling fulfilled. Yet we yearn for a more creative, engaged life. Beck, a popular Huffington Post columnist and creator of the global peace movement, Peace Flash, offers guidance, stories, and dozens of practical suggestions for how to take the leap into the life you were meant to live. If you've forgotten what makes you tick, Heather will help you rediscover it. If you know what it is but aren't doing it, she'll help you clear a path. Starting with just fifteen minutes. Today.
Features step-by-step projects and full-color examples Create unique jewelry to wear with everything from jeans to a ball gown! Want to make your own jewelry? This easy-to-follow guide gives you lots of hands-on instruction in making simple, fabulous jewelry and working with beads. From wire wrapping and knotting to weaving and polishing, you'll get all the skills you need to make necklaces, bracelets, earrings, pins, key chains, wine charms and items for the home. Discover how to * Create funky and elegant designs * Work with leather, silver, and stones * String, knot, and weave beads * Avoid common mistakes * Host a trendy jewelry party
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