Household Finance: An Introduction to Individual Financial Behavior is about how individuals make financial decisions, and how these financial decisions contribute to and detract from their well-being. What sort of decisions am I talking about? We all must manage our money, shifting our resources across time. Sometimes we need to consume more than is currently available to us. For example, people commonly borrow to purchase residential real estate, paying down their mortgage loans over time. At other times, we have excess funds that we can save and invest. The main reason to accumulate wealth is to amass a fund that we can draw down when older and less able and willing to earn labor income. It is crucial, then, that our savings be sufficient to ensure a comfortable retirement. It is not enough to save; our savings must be invested appropriately so as to properly counterbalance risk and return. One way is to buy low-cost mutual funds or exchange-traded funds where the job of diversification is done for us. Some of us, however, purchase not only investment funds but also individual securities that we ourselves select. If so, it is vital that we avoid preventable errors. And, along the way, since the world is unpredictable, it is appropriate to protect ourselves by insuring against the sort of catastrophic loss that can derail our best-laid financial plans"--
WINNER OF THE BIRDWATCH BOOK OF THE YEAR 2012 This authoritative handbook, part of the Helm Identification Guides series, looks in detail at the world's cuckoos, couas and anis - it is the ultimate reference to the cuckoos of the world. Famed as brood-parasites of other birds, the cuckoos include a diverse range of species, from the roadrunners of North America to the spectacular malkohas of southern Asia. This book discusses the biology and identification of these birds on a species-by-species basis, bringing together the very latest research with accurate range maps, more than 600 stunning colour photographs that illuminate age and racial plumage differences, and 36 superb plates by a team of internationally renowned artists.
Hailed as "absolutely the best reference book on its subject" by Newsweek, American Musical Theatre: A Chronicle covers more than 250 years of musical theatre in the United States, from a 1735 South Carolina production of Flora, or Hob in the Well to The Addams Family in 2010. Authors Gerald Bordman and Richard Norton write an engaging narrative blending history, critical analysis, and lively description to illustrate the transformation of American musical theatre through such incarnations as the ballad opera, revue, Golden Age musical, rock musical, Disney musical, and, with 2010's American Idiot, even the punk musical. The Chronicle is arranged chronologically and is fully indexed according to names of shows, songs, and people involved, for easy searching and browsing. Chapters range from the "Prologue," which traces the origins of American musical theater to 1866, through several "intermissions" (for instance, "Broadway's Response to the Swing Era, 1937-1942") and up to "Act Seven," the theatre of the twenty-first century. This last chapter covers the dramatic changes in musical theatre since the last edition published-whereas Fosse, a choreography-heavy revue, won the 1999 Tony for Best Musical, the 2008 award went to In the Heights, which combines hip-hop, rap, meringue and salsa unlike any musical before it. Other groundbreaking and/or box-office-breaking shows covered for the first time include Avenue Q, The Producers, Billy Elliot, Jersey Boys, Monty Python's Spamalot, Wicked, Hairspray, Urinetown the Musical, and Spring Awakening. Discussion of these shows incorporates plot synopses, names of principal players, descriptions of scenery and costumes, and critical reactions. In addition, short biographies interspersed throughout the text colorfully depict the creative minds that shaped the most influential musicals. Collectively, these elements create the most comprehensive, authoritative history of musical theatre in this country and make this an essential resource for students, scholars, performers, dramaturges, and musical enthusiasts.
Household Finance: An Introduction to Individual Financial Behavior is about how individuals make financial decisions, and how these financial decisions contribute to and detract from their well-being. What sort of decisions am I talking about? We all must manage our money, shifting our resources across time. Sometimes we need to consume more than is currently available to us. For example, people commonly borrow to purchase residential real estate, paying down their mortgage loans over time. At other times, we have excess funds that we can save and invest. The main reason to accumulate wealth is to amass a fund that we can draw down when older and less able and willing to earn labor income. It is crucial, then, that our savings be sufficient to ensure a comfortable retirement. It is not enough to save; our savings must be invested appropriately so as to properly counterbalance risk and return. One way is to buy low-cost mutual funds or exchange-traded funds where the job of diversification is done for us. Some of us, however, purchase not only investment funds but also individual securities that we ourselves select. If so, it is vital that we avoid preventable errors. And, along the way, since the world is unpredictable, it is appropriate to protect ourselves by insuring against the sort of catastrophic loss that can derail our best-laid financial plans"--
Few places in the world can claim such a diversity of species as the Gulf of California (Sea of Cortez), with its 6,000 recorded animal species estimated to be half the number actually living in its waters. So rich are the Gulf's water that over a half-million tons of seafood are taken from them annually—and this figure does not count the wasted by-catch, which would triple or quadruple that tonnage. This timely book provides a benchmark for understanding the Gulf's extraordinary diversity, how it is threatened, and in what ways it is—or should be—protected. In spite of its dazzling richness, most of the Gulf's coastline now harbors but a pale shadow of the diversity that existed just a half-century ago. Recommendations based on sound, careful science must guide Mexico in moving forward to protect the Gulf of California. This edited volume contains contributions by twenty-four Gulf of California experts, from both sides of the U.S.-Mexico border. From the origins of the Gulf to its physical and chemical characteristics, from urgently needed conservation alternatives for fisheries and the entire Gulf ecosystem to information about its invertebrates, fishes, cetaceans, and sea turtles, this thought-provoking book provides new insights and clear paths to achieve sustainable use solidly based on robust science. The interdisciplinary, international cooperation involved in creating this much-needed collection provides a model for achieving success in answering critically important questions about a precious but rapidly disappearing ecological treasure.
Taking financial risks is an essential part of what banks do, but there’s no clear sense of what constitutes responsible risk. Taking legal risks seems to have become part of what banks do as well. Since the financial crisis, Congress has passed copious amounts of legislation aimed at curbing banks’ risky behavior. Lawsuits against large banks have cost them billions. Yet bad behavior continues to plague the industry. Why isn’t there more change? In Better Bankers, Better Banks, Claire A. Hill and Richard W. Painter look back at the history of banking and show how the current culture of bad behavior—dramatized by the corrupt, cocaine-snorting bankers of The Wolf of Wall Street—came to be. In the early 1980s, banks went from partnerships whose partners had personal liability to corporations whose managers had no such liability and could take risks with other people’s money. A major reason bankers remain resistant to change, Hill and Painter argue, is that while banks have been faced with large fines, penalties, and legal fees—which have exceeded one hundred billion dollars since the onset of the crisis—the banks (which really means the banks’shareholders) have paid them, not the bankers themselves. The problem also extends well beyond the pursuit of profit to the issue of how success is defined within the banking industry, where highly paid bankers clamor for status and clients may regard as inevitable bankers who prioritize their own self-interest. While many solutions have been proposed, Hill and Painter show that a successful transformation of banker behavior must begin with the bankers themselves. Bankers must be personally liable from their own assets for some portion of the bank’s losses from excessive risk-taking and illegal behavior. This would instill a culture that discourages such behavior and in turn influence the sorts of behavior society celebrates or condemns. Despite many sensible proposals seeking to reign in excessive risk-taking, the continuing trajectory of scandals suggests that we’re far from ready to avert the next crisis. Better Bankers, Better Banks is a refreshing call for bankers to return to the idea that theirs is a noble profession.
Dr Warmington's examination of the impact of the Civil War in Gloucestershire begins with the descent into war between 1640 and 1642, showing how the two sides formed and why the Parliamentarians had the more durable war machine. He then goes on to consider the anarchic situation between 1645 and 1649, and the series of new experiments in government which followed until 1660. The book demonstrates how the war created an almost entirely new governing group of minor gentlemen, based on military service to the regime and religious affiliations, looks at the vexed question of the cultural dimensions of popular allegiance in the period, and examines popular activity (or lack of it) in Gloucestershire's distinct regions of Vale, Wold and Forest during the Civil War. The attempted rebellion of 1659 is examined in detail.
Three pipe bombs exploded in Salt Lake County in 1985, killing two people. Behind the murders lay a vast forgery scheme aimed at dozens of other victims, most prominently the Church of Jesus Christ of Latter-day Saints. Mark Hofmann, a master forger, went to prison for the murders. He had bilked the church, document dealers, and collectors of hundreds of thousands of dollars over several years while attempting to alter Mormon history. Other false documents of Americana still circulate. The crimes garnered intense media interest, spawning books, TV and radio programs, and myriad newspaper and magazine articles. Victims is a thoughtful corrective to the more sensationalized accounts. More important, Richard Turley adds substantially to the record with previously unavailable church documentation and exclusive interviews with church officials, giving this book greater depth and resonance. He also goes beyond the Hofmann case, illustrating how forgeries have hampered the church's efforts to document its history. Victims includes a complete appendix of every known document the church acquired from Hofmann, reviews of trial transcripts and police reports, as well as dozens of photographs, some never before published. Turley, who gave up the practice of law to become a historian, has managed the delicate task of exposing the myths and complexities of this case with skill and objectivity. His unique access to church documents and personnel, together with his understanding of the legal system and Mormon history, afforded him an unparalleled view of how the case affected the church as well as the many others who were involved. Victims will fascinate anyone who does archival work, who cares aboutthe historical record, or who likes to read compelling mystery.
Guidelines for Vapor Release Mitigation is a survey of current industrial practice for controlling accidental releases of hazardous vapors and preventing their escape from the source area.
A comprehensive monograph of the beautiful Snowy Owl, famed for its elegant, all-white plumage. The Snowy Owl needs little introduction. This massive white owl breeds throughout the Arctic, wherever there are voles or lemmings to hunt, from Scandinavia through northern Russia to Canada and Greenland. Southerly movements in winter see North American birds travel as far south as the northern United States, while infrequent vagrants on the Shetlands and other northern isles are a magnet for birders. The Snowy Owl gives this popular bird the full Poyser treatment, with sections on morphology, distribution, palaeontology and evolution, habitat, breeding, diet, population dynamics, movements, interspecific relationships and conservation, supported by some fabulous photography. The award-winning author team also had access to Russian research literature, which is generally out of reach for Western scientists.
Behold the cormorant: silent, still, cruciform, and brooding; flashing, soaring, quick as a snake. Evolution has crafted the only creature on Earth that can migrate the length of a continent, dive and hunt deep underwater, perch comfortably on a branch or a wire, walk on land, climb up cliff faces, feed on thousands of different species, and live beside both fresh and salt water in a vast global range of temperatures and altitudes, often in close proximity to man. Long a symbol of gluttony, greed, bad luck, and evil, the cormorant has led a troubled existence in human history, myth, and literature. The birds have been prized as a source of mineral wealth in Peru, hunted to extinction in the Arctic, trained by the Japanese to catch fish, demonized by Milton in Paradise Lost, and reviled, despised, and exterminated by sport and commercial fishermen from Israel to Indianapolis, Toronto to Tierra del Fuego. In The DevilÕs Cormorant, Richard King takes us back in time and around the world to show us the history, nature, ecology, and economy of the worldÕs most misunderstood waterfowl.
Escape the crowds and uncover one of the best kept secrets of Central America with Footprint's 5th edition Nicaragua Handbook. Deserted beaches, sleepy towns, incredible rainforests and active volcanoes all await the intrepid traveller to this emerging Latin American destination. Comprehensive coverage on how to get the most from this little travelled land, including amazing cultural insights, all the best places to eat, drink and sleep, detailed advice on how to get around and how to experience the most from the adventure activities on offer. • Extensive coverage of Nicaragua's national parks and how to get the most from them • Amazing cultural & historical insight • Our recommended itineraries to help you plan your trip whether you’re travelling for one week or four • Accommodation listings for every budget • Detailed street maps for important towns and cities • The lowdown on the best adventure activities including, surfing, windsurfing, riding and trekking • Detailed transport advice on how to get around • Overview map of the country to help you plan your trip and get your bearings Packed with information on all the main attractions as well as detailed information on the dozens of activities and adventures that will help you get off the beaten track, Footprint’s Nicaragua Handbook will help you get to the heart of this intriguing country
Maps of Malaya and Borneo: Discovery, Statehood and Progress showcases the extensive map collections of His Royal Highness Sultan Sharafuddin Idris Shah, Sultan of Selangor, and Richard Curtis. The combined collections contain more than 160 maps dating from the 1500s to after Malaysia's formation in 1963. The collections include early Portuguese, Dutch, French and English maps, nautical charts, maps of the interior, maps from atlases and encyclopaedias, maps showing economy, culture and communications and urban maps. Extensive captions highlight key features of the maps, provide insights into their creators and explain the context in which the maps were produced and used. The presentation of the collections is preceded by an authoritative text on the mapping of Malaya and Borneo over the last 1,800 years. This text explains the quest for accurate maps; illustrates how maps showcased the changing economic, cultural and political dynamics within Malaya and Borneo; and describes the evolution of mapping techniques as well as providing insights into the work of leading cartographers.
Land abandonment is increasing as human influence on the globe intensifies and various ecological, social, and economic factors conspire to force the cessation of agriculture and other forms of land management. The “old fields” that result from abandonment have been the subject of much study, yet few attempts have been made to examine the larger questions raised by old field dynamics. Old Fields brings together leading experts from around the world to synthesize past and current work on old fields, providing an up-to-date perspective on the ecological dynamics of abandoned land. The book gives readers a broad understanding of why agricultural land is abandoned, the factors that determine the ecological recovery of old fields, and how this understanding contributes to theoretical and applied ecology. Twelve case studies from diverse geographical and climatic areas—including Australian rainforest, Brazilian Amazonia, New Jersey piedmont, and South African renosterveld—offer a global perspective on the causes and results of land abandonment. Concluding chapters consider the similarities and differences among the case studies, examine them in the context of ecological concepts, and discuss their relevance to the growing field of restoration ecology. Old Fields is the first book to draw together studies on old fields from both a theoretical and practical perspective. It represents an important contribution to the development of theory on old field dynamics and the practice of ecological restoration on abandoned farmland, and the broader implications of old field dynamics to ecology and restoration.
My interest in the behaviour and movements of birds of arid and semi-arid ecosystems began when my wife, Sue Milton, and I were Roy Siegfried, Director, at that time, of the Percy approached by Prof. FitzPatrick Institute of African Ornithology, to set up a project to investigate granivory in the South African Karoo. Sue and I spent some time finding a suitable study site, setting up accommodations and an automatic weather station at Tierberg, in the southern Karoo near the village of Prince Albert, and planning projects. Among our first projects was a transect where we noted plant phe nology, measured seed densities on the soil surface, counted birds, observed ant activity, measured soil surface temperatures and col lected whatever climate data we could at 40 sites along a 200-km oval route. Along the way, we became interested in the marked presence and absence of birds at certain sites - abundant birds one day, and very few birds at the same site a month later. Subsequent counts along fixed transects through shrublands confirmed that a number of bird species were highly nomadic over short and long distances, locally and regionally, leading to speculation on how widespread these movements were in the arid ecosystems of the world.
This book has been designed to summarize current, essential information for every one of the world’s 700+ hard tick species. Under each species name, we will cite the original description, followed by information on type depositories, known stages, distribution (by zoogeographic region and ecoregion), hosts, and human infestation (if any). Each species account will also include a list of salient references and, where necessary, remarks on systematic status. We envision eight chapters: six devoted to the major ixodid tick genera (Amblyomma, Dermacentor, Haemaphysalis, Hyalomma, Ixodes, Rhipicephalus), one covering eight minor genera (including two that are fossil), and a concluding summary chapter. There will be two tables on host associations and zoogeography in each major genus chapter, as well as five tables in the summary chapter, for a total of 17 tables. No similar synopsis of the world’s hard tick species exists in any language.
Land conversion, climate change and species invasions are contributing to the widespread emergence of novel ecosystems, which demand a shift in how we think about traditional approaches to conservation, restoration and environmental management. They are novel because they exist without historical precedents and are self-sustaining. Traditional approaches emphasizing native species and historical continuity are challenged by novel ecosystems that deliver critical ecosystems services or are simply immune to practical restorative efforts. Some fear that, by raising the issue of novel ecosystems, we are simply paving the way for a more laissez-faire attitude to conservation and restoration. Regardless of the range of views and perceptions about novel ecosystems, their existence is becoming ever more obvious and prevalent in today’s rapidly changing world. In this first comprehensive volume to look at the ecological, social, cultural, ethical and policy dimensions of novel ecosystems, the authors argue these altered systems are overdue for careful analysis and that we need to figure out how to intervene in them responsibly. This book brings together researchers from a range of disciplines together with practitioners and policy makers to explore the questions surrounding novel ecosystems. It includes chapters on key concepts and methodologies for deciding when and how to intervene in systems, as well as a rich collection of case studies and perspective pieces. It will be a valuable resource for researchers, managers and policy makers interested in the question of how humanity manages and restores ecosystems in a rapidly changing world. A companion website with additional resources is available at www.wiley.com/go/hobbs/ecosystems
This is the most thorough treatment ever undertaken on the Sciuridae and promises to be the definitive book on squirrels for decades to come. Squirrels of the World, written by scientists with more than 100 years of collective experience studying these popular mammals, is the first comprehensive examination of all 285 species of squirrels worldwide. The authors reveal virtually every detail of the family Sciuridae, which includes ground squirrels, tree squirrels, flying squirrels, prairie dogs, and chipmunks. Each species—from the familiar gray squirrel of American backyards to the exotic and endangered woolly flying squirrel of Pakistan—is described in a detailed account that includes distinguishing characteristics, ecology, natural history, conservation status, and current threats to its existence. Squirrels of the World includes • stunning color photographs that document rare and unusual squirrels as well as common varieties • evolution, morphology, ecology, and conservation status • colorful range maps marking species distribution • images of the skull of each genus of squirrel • extensive references
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