The effect of the tax treatment of IRA/401(k)s on U.S. personal saving is examined using household survey data from the Survey of Consumer Finances. The results suggest that the tax treatment of IRA/401(k)s encouraged households to increase the share of assets held in the form of pension savings, at the expense of saving in the form of housing equity. Some evidence also was found to suggest that the tax treatment of pension savings similarly affected the flow of saving. In particular, the data appeared to reject the hypothesis that the tax treatment of IRA/401(k)s increased total personal saving.
Simple, clear explanations of twenty ways in which mathematics helps us to understand practical issues of everyday life. Suitable for teenagers and adults, and beautifully produced. Highly recommended!" - Professor Ian Stewart, bestselling author of The Cabinet of Mathematical Curiosities Mathematics is an indispensable tool for life. From the systems that underpin our newsfeeds, through to the data analysis that informs our health and financial decisions, to the algorithms that power how we search online – mathematics is at the heart of how our modern world functions. In 20 dip-in lessons, Understanding Numbers explains how and why mathematics fuels your world and arms you with the knowledge to make wiser choices in all areas of your life. • Make sense of health statistics • Understand the mathematics behind political voting systems • Get to grips with how online search tools work • Discover how mathematics can create the perfect city
Between December 1951 and April 1967, Thomas R. Howell made 13 separate research trips to Nicaragua. The result was a collection of over 2,000 bird skins and at least 16 publications that form the backbone of Nicaraguan ornithology. In the late 1970s, Howell began working on a manuscript that was intended to be his major contribution to the ornithology of the country. The first version of this "Check-list of the Birds of Nicaragua" was not ready until 1983, and many different typewritten versions circulated among a small but growing number of Nicaraguan biologists for the next two decades. Partly because of Howell's passion for detail and completeness, and finally because of his failing health in the late 1990s, the check-list was never published before his death in December 2004. This monograph remedies what had become a significant obstacle to further studies in the country by providing, in Howell's own words, a comprehensive background for subsequent explorations. It documents the 654 species (611 supported with specimen evidence) known to have occurred in Nicaragua as of 1993, the date of the last substantial revision of the manuscript, and also provides a rationale for anticipating another 44 species. The publication of this significant chapter in the history of Central American bird studies is offered both as a tribute to Tom Howell's enthusiasm and contributions and as a frame of reference and springboard for current and future ornithologists inspired to study the rich and still largely unexplored avifauna of Nicaragua--
A must-read follow-up to The Structure of Scientific Revolutions, one of the most important books of the twentieth century. This book contains the text of Thomas S. Kuhn’s unfinished book, The Plurality of Worlds: An Evolutionary Theory of Scientific Development, which Kuhn himself described as a return to the central claims of The Structure of Scientific Revolutions and the problems that it raised but did not resolve. The Plurality of Worlds is preceded by two related texts that Kuhn publicly delivered but never published in English: his paper “Scientific Knowledge as Historical Product” and his Shearman Memorial Lectures, “The Presence of Past Science.” An introduction by the editor describes the origins and structure of The Plurality of Worlds and sheds light on its central philosophical problems. Kuhn’s aims in his last writings are bold. He sets out to develop an empirically grounded theory of meaning that would allow him to make sense of both the possibility of historical understanding and the inevitability of incommensurability between past and present science. In his view, incommensurability is fully compatible with a robust notion of the real world that science investigates, the rationality of scientific change, and the idea that scientific development is progressive.
Finally a self-contained, one volume, graduate-level algebra text that is readable by the average graduate student and flexible enough to accommodate a wide variety of instructors and course contents. The guiding principle throughout is that the material should be presented as general as possible, consistent with good pedagogy. Therefore it stresses clarity rather than brevity and contains an extraordinarily large number of illustrative exercises.
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