In 2008, America went through a terrible financial crisis, and we are still suffering the consequences. Families lost their homes, had to give up their pets, and struggled to pay for food and medicine. Businesses didn't have money to buy equipment or hire and pay workers. Millions of people lost their jobs and their life savings. More than 100,000 businesses went bankrupt ... [Former FDIC chairman Bair] describes the many ways in which a broken system led families into financial trouble, and also explains the decisions being made at the time by the most powerful people in the country--from CEOs of multinational banks, to heads of government regulatory committees--that led to the recession" --Amazon.com.
The former FDIC Chairwoman, and one of the first people to acknowledge the full risk of subprime loans, offers a unique perspective on the greatest crisis the U.S. has faced since the Great Depression.
In these twelve essays, spanning fifteen years, Victoria Chick develops a distinctive view of macroeconomics (especially the economics of Keynes) and monetary theory. By careful and rigorous analysis in which nothing is taken for granted, she uncovers the implicit assumptions of economic theory and argues, in a variety of contexts, that differences of economic method and the influence of the stylised facts are decisive forces, both in the construction of theories and in appraising their contemporary relevance.
Intended for new citizens, tourists, and business travelers, this guide provides survival information for typical everyday situations using sample dialogs, vocabulary lists, and basic rules of grammar and pronunciation
REA's English the American Way: A Fun ESL Guide to Language & Culture in the U.S. with Audio CD + MP3 New Second Edition! A fun guide to everything American for the English language learner! The warm and witty authors of English the American Way: A Fun ESL Guide to Language & Culture in the U.S. are back with a new second edition of this bestselling title. Featuring updated units on technology and social media, plus all-new fun-filled word-picture matchups, English the American Way is your companion to everyday life in the United States. Engaging, easy-to-follow chapters highlight important topics in American culture, such as: making friends, getting around, dining out, dealing with money, buying a home, what to do in an emergency, visiting the doctor, handling a job interview, and more. Our ESL author experts (Sheila MacKechnie Murtha and Jane Airey O'Connor) give English language learners must-know vocabulary, commonly used phrases, wacky idioms, and sample dialogues that illustrate everyday American life. You'll have fun along the way as you improve your English language and grammar skills with sentence completions, quizzes, and helpful tips. Practice speaking English like an American until you're perfect! Improve your listening and speaking skills with the dialogues included on our audio CD and MP3 download. English the American Way is an excellent resource for ESL students and teachers, English language learners, and professionals of all ages and all nationalities. If you're looking for a fun and easy way to improve your English language skills, this is the book for you! Don't miss the other books in this series… Celebrate the American Way: A Fun ESL Guide to English Language and Culture in the U.S and College the American Way: A Fun ESL Guide to English Language and Campus Life in the U.S.
Dorothy Adams and Ethan Barns live in an idyllic little town called Redwood, Alberta, and once again trouble is brewing. Dorothy’s Bed and Breakfast, in fact, her entire life has come under attack by the media and a powerful group called the Puritans. It seems they won’t let her past stay in the past so that she can move on. The question is why? Dorothy’s boyfriend, Ethan Barns, the Chief of Police, is too busy to help her because he is overwhelmed with the murder of an old friend, a drug cartel, and the protection of two cute little boys who he has sworn to protect. How do they all connect? What is the motive for the murder? Will Ethan ever have the time to propose to Dorothy? Will Dorothy ever be able to put her past behind her? Will the two little boys live to see the dawn of another day? If Dorothy solves everything her way, life is about to get very interesting in Redwood, Alberta.
A comprehensive guide to current issues and practices in governance for Takaful and re-Takaful operations As the global demand for Islamic insurance products increases, a thorough understanding of Takaful principles is vital for accountants, auditors, and leaders of companies offering these products. This book covers the basic accounting principles and practices of Takaful operations, including the segregation of assets, liabilities, income, and expenditures between the Takaful operator and participants; the setting aside of cash reserves for meeting outstanding claims and future claims; and the management of revenue and expenditure. Featuring extensive case studies from real-world situations, this book is the perfect primer for accounting students and practitioners unfamiliar with Islamic finance and Takaful operations. Written by experts from the International Islamic University Malaysia, the leading organisation in research in Islamic finance Covers all the major accounting principles and practices Based on real-world experience and packed with illustrative case studies For practicing accountants and business leaders, this book offers a thorough education in Takaful operations while also serving as an excellent guide for undergraduate students and researchers.
Covering cities, states, and regions of the United States, these richly illustrated handbooks capture the character and culture of important American destinations, along with topical essays, color maps, and capsule reviews of restaurants and hotels.
After independence a decisive shift occurred in the opportunity for African states to intervene to promote development. The book argues that poor economic performance can be blamed on the absence of a coherent analytical basis.
Based on the author’s childhood this fictional novel is filled with spirituality and humor and gives the reader a glimpse into the world of a Baptist minister. Set in 1963, Rev. Shepard and his family move to Millington where he has been called to pastor the Great Saints Baptist Church. Millington is a small town that is racially divided by the river that runs through it. The whites occupy the town’s west side, while a community of influential Negroes occupy the east side. During this literary journey, the lives of the church members and townspeople are exposed and we bear witness to an adult world of scandal, secrets, and disgrace. Before he can get settled into his new position, Rev. Shepard is bombarded with the needs of church members. The timid Murlene Combs whose husband has fallen prey to the town whore, Magic, is in serious need of counselling. Other Millingtonites are Rev. Barry Nichols, whose love of himself makes him vulnerable to the temptations of Magic; the Higgins’ who struggle through an old family secret; Billy, the giggly kid who cannot maintain his composure during church; Sadie Green, the church secretary who is always complaining about her corns; the controversial Deacon Chester Hawkins; Smooth, the pimp from The Bottom; and a den of gossiping woman. Love and salvation emanate from the trials and tribulations of the denizens in Millington. While some are redeemed, the damned must pay the price for their sins.
A summary book for Key Stage 3 of the National Curriculum. It provides concise coverage of all the main themes, issues, and theories, and step-by-step guidance on the essential geographical skills. It also contains case studies and examples. Each double-page spread opens with a list of learning objectives and ends with a range of questions. The book is suitable for use in the classroom and for independent study. It is supported by a teacher's book, which provides full answers to all the questions, suggestions for additional activities, help with ICT, and advice about assessment.
Luke Potter vows to put an end to Susan Carpenter's gaudy Christmas display. But before his case gets to court, he gets to know the surprisingly charismatic woman he's up against. And suddenly the season seems much more joyful....
This volume draws together diverse sources of information from the EIB's own reports and bulletins, as well as reports of the Us Federal Reserve Board, the IMF and OECD, together with press and journal sources to examine the history, borrowing and lending operations from 1958-1980. It also discusses some of the environmental and social effects of its lending activities. Some consideration has also been given to the bank's operations beyond EU boundaries. The book sheds light on an important EU institution which is crucial to EU member states' infrastructure, industry and economy.
This book presents readers with the leading and illustrative IP decisions from the UK courts, the European Patent Office, the Community Trade Mark and Designs Office and the European Court of Justice. Case reports are edited to bring out the kernel of the decision." "Included are up-to-date collection of the major legislative materials in IP law, drawn from the UK, EU and international conventions, and comprehensive tables including a table of European Legislation and a table of International Treaties and Conventions."--BOOK JACKET.
A clear grasp of economics is essential to understanding why environmental problems arise and how we can address them. ... Now thoroughly revised with updated information on current environmental policy and real-world examples of market-based instruments .... The authors provide a concise yet thorough introduction to the economic theory of environmental policy and natural resource management. They begin with an overview of environmental economics before exploring topics including cost-benefit analysis, market failures and successes, and economic growth and sustainability. Readers of the first edition will notice new analysis of cost estimation as well as specific market instruments, including municipal water pricing and waste disposal. Particular attention is paid to behavioral economics and cap-and-trade programs for carbon."--Publisher's web site.
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