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Kamis, 01 November 2018

Free PDF Hidden in Plain Sight: What Really Caused the WorldÂ’s Worst Financial Crisis and Why It Could Happen Again, by Peter J. Wallison

Free PDF Hidden in Plain Sight: What Really Caused the WorldÂ’s Worst Financial Crisis and Why It Could Happen Again, by Peter J. Wallison

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Hidden in Plain Sight: What Really Caused the WorldÂ’s Worst Financial Crisis and Why It Could Happen Again, by Peter J. Wallison

Hidden in Plain Sight: What Really Caused the WorldÂ’s Worst Financial Crisis and Why It Could Happen Again, by Peter J. Wallison


Hidden in Plain Sight: What Really Caused the WorldÂ’s Worst Financial Crisis and Why It Could Happen Again, by Peter J. Wallison


Free PDF Hidden in Plain Sight: What Really Caused the WorldÂ’s Worst Financial Crisis and Why It Could Happen Again, by Peter J. Wallison

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Hidden in Plain Sight: What Really Caused the WorldÂ’s Worst Financial Crisis and Why It Could Happen Again, by Peter J. Wallison

About the Author

Peter J. Wallison holds the Arthur F. Burns Chair in Financial Policy Studies and is co-director of AEIÂ’s program on Financial Policy Studies. From June 1981 to January 1985, he was General Counsel of the United States Treasury Department, where he had a significant role in the development of the Reagan Administration's proposals for deregulation in the financial services industry. His most recent book is Bad History, Worse Policy: How a False Narrative about the Financial Crisis Led to the Dodd-Frank Act (AEI Press 2013).He testifies frequently before committees of Congress, and is a frequent contributor to the op-ed pages of the Wall Street Journal and other print and online journals. He has also been a speaker at many conferences on financial services, housing, the causes of the financial crisis, the Dodd-Frank Act, accounting, and corporate governance, and is a member of the Shadow Financial Regulatory Committee, the Council on Foreign Relations, the SEC Advisory Committee on Improvements to Financial Reporting (2008), co-Chair of the Pew Financial Reform Task Force (2009), and a member of the congressionally- authorized Financial Crisis Inquiry Commission (2009-2011). In May 2011, for his work in financial policy, Mr. Wallison received an honorary doctorate in Humane Letters from the University of Colorado.

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Product details

Hardcover: 432 pages

Publisher: Encounter Books (January 13, 2015)

Language: English

ISBN-10: 1594037701

ISBN-13: 978-1594037702

Product Dimensions:

6.5 x 1.5 x 9.2 inches

Shipping Weight: 1.8 pounds (View shipping rates and policies)

Average Customer Review:

3.8 out of 5 stars

228 customer reviews

Amazon Best Sellers Rank:

#440,299 in Books (See Top 100 in Books)

One of the best - perhaps the best - explanation of the financial collapse of 2008.Most "explanations" of the cause of the crash are really a description of "What" happened: packages of mortgages (which contained some bad stuff) being traded between banks and others, which led to a financial collapse, which led to an economic downturn.In his book Peter Wallison takes us back to what created the circumstances for the mortgage meltdown: The government policies - under both Clinton and Bush II - that forced the lowering of underwriting standards, in the intent of increasing homeownership. This resulted in a higher and higher percentage of subprime mortgages (the bad stuff). Without so much of the "bad stuff" in the mix, there could not have been the "mortgage meltdown". This book demonstrates that the subprime mortgages, almost by definition,were bound to fail. Wallison gives us one very telling statistic, for 30 years - right up to 1992, when the government push to issue subprime began - the US percent of home ownership was constant at 64%. By June 2008, it was slightly above 69%. Now, after the past six years of recession and foreclosures, it is back at the historic 64%. The subprimes made all the difference.Bankers and Economists are not the only readers who will benefit from this book. The casual reader will find very helpful thedefinitions and explanations of the terms that are batted around so freely by politicians and the "talking heads" on TV; Sub-Prime and Prime for starters. This truly is a book for all investors, homeowners, and taxpayers.

The lion’s work of my multi-year project reviewing all of the post-financial crisis books which I felt warranted review is long past, and my focus now is on my own work on the subject, targeting a 2017 release. The high volume of post-2008 books came between 2009 and 2011, and a few relevant stragglers entered the fray since then. Certainly the most noteworthy of the “latecomer” books on the crisis are the 2015 work of Peter Wallison, Hidden in Plain Sight: What Really Caused the World’s Worst Financial Crisis and Why it Could Happen Again. I refer to the work as noteworthy because it is a fine book with a highly valid contribution to the study of the crisis’ causation, but also because Wallison was an actual member of the government’s Financial Crisis Inquiry Commission, a preposterous waste of taxpayer money assembled by Congress in July 2009 to thoroughly investigate the crisis and its causes. It was not just a waste of money because the commission’s findings got everything wrong (Wallison admirably was the sole dissenter from the commission’s pre-baked conclusions), but also because the whole pre-text for the inquiry was to guide changes in policy that could stem the tide in the future. The Obama administration’s remedy to the financial crisis – the Dodd-Frank legislation – was rammed through Congress into law before this commission had even completed its work or submitted its findings. It was a show pony of an investigation, but it did nevertheless contain one Peter Wallison, and now several years later he has come out to give us his thesis on what really caused the crisis, and why he could not go along with the Congressional farce.His thesis is, in a nutshell, that it was government housing policy that caused the financial crisis. No shocker there. He essentially uses data point after data point after data point to incontestably prove that (a) 31 million “non-traditional” mortgages came into the American economy by 2008 (NTM being the more important classification than the media’s love of the term “subprime”, as it combines where the real toxicity proved to be – in the combination of subprime with “Alt-A” – ‘alternatives to agencies’, or loans that didn’t mean the underwriting standards of Fannie/Freddie; these 31 million NTM’s were at the heart of the crisis; and (b) They were the direct result of government housing policy which created them into being; and (c) The mere existence of this massive bloc of troubled mortgages was bad enough, but the extensive effort to cover up their existence – to hide or suppress the real number of NTM’s in the system, – led to a very faulty climate for risk-taking; and (d) Efforts to continue legislating social mandates via government housing policy will continue to lead to economic instability and even repeated crises.That may have been a mouthful. It was certainly a mouthful to read his 361 pages of substantiation. But the basics of his conclusions are simple enough, and if left alone, not really problematic. There would have been no financial crisis without aggressive government mandates to increase lending where it did not belong, and that misguided belief that social policy could be administered through the economic experimentation of various lending mandates created an intensely malignant culture in the world of mortgage lending. Wallison further proves beyond any shadow of any doubt that Fannie Mae and Freddie Mac did not merely get “caught up in the pursuit of ill-gotten gains,” as is often alleged, mostly as an attempt to even blame free market greed for Fannie/Freddie’s decidedly non-free market troubles. Rather, Wallison proves, Fannie and Freddie got heavy into the NTM world because they had no choice if they were o meet their government mandates. I have read a dozen critiques of Wallison’s work, and none of them dispute his raw data in this regard.So with a useful book on misguided government social/housing policy as a core piece of the financial crisis, why do I need to find fault at all? The problem I have with this mostly fine work is that Wallison is not content to trust his own contentions about the crisis; he decides to conclude something more than the truth of his own thesis requires him to conclude. For Wallison, it is not just that government housing policy was a key piece, or the key piece, or a sine qua non in this crisis. For whatever reason, Wallison felt the need to additionally conclude that all other contributors to what became the 2008 crisis were not contributors at all – not in a complementary way, not in a supplementary way, not in a toxic accelerant way – they simply should be dismissed out of hand. This conclusion is frustrating to a thoughtful reader, for it is highly unnecessary for one also convinced of Wallison’s underlying work, and because it is simply preposterous on its face. The lengths Wallison goes to in order to claim that Federal Reserve monetary policy played no role in fertilizing the 2002-2006 housing bubble is cartoonishly silly. Perhaps no segment of the book is more disappointing than his completely indefensible supposition that there was no material inter-connectedness in the financial system, and that the CDS problem (credit default swaps) were easily remedied by one financial institution just replacing the CDS from one defunct firm (say, Bear Stearns) with a CDS from another healthy firm (he goes so far as to say a homeowner just needs to replace a bankrupt fire insurance company with another, never stopping to consider that in 2008 the entire business of this “fire insurance” was dead on arrival, since all of the companies were in over their heads with them, no one trusted each other’s marks, and surely no one wanted to write what had just brought down another firm (Bear, Lehman, etc.). My frustration with Wallison’s reckless conclusions that essentially all was well in Bear and Lehman land is not just how completely and empirically wrong they are, but how unnecessary they were for this book. He decided to throw out the “perfect storm” hypothesis about the crisis – the one that says it was the cocktail of government housing policy, Fed monetary policy, Wall Street leverage, rating agency corruption, and all other such assembled theories – and rather than conclude that nearly every problem which has been diagnosed in the financial crisis autopsy has some validity to it, even if some more culpability than others, he decides to discard all the others in their entirety. And in doing so, I fear, he loses incredible legitimacy for his very legitimate basic thesis.The financial crisis would have never happened without the accelerated attempt of Washington D.C. to legislate social policy through housing policy. One of the results of this fatal government initiative was a non-traditional mortgage glut that surpassed 31 million in number. The accompanying and unsurprising problems that these non-traditional mortgages created were the source of the financial crisis, and to the extent that Wallison’s book carefully and academically defends everything the prior three sentences say, his book was a helpful and needed work for students of the crisis (and a society that says they don’t want it to happen again). But the story as told in the preceding three sentences is not the whole story, as those 31 million NTM’s were the critical mass of an inter-connected financial system that levered up on insanity. They levered up on human greed, and I don’t mean the Wall Street banker kind of greed that wanted a bigger bonus. The financial system levered up on the greed of Main Street, that a covetous purchase of a home you could not afford was a good and noble thing, and it was our financial system’s bet on Main Street that proved fatal. Lehman’s collapse did not cause the financial crisis; it was caused by the financial crisis. After reading Wallison’s book readers will understand that crisis even more, but they will not understand it completely.

This book is must reading for anyone who continues to believe more and bigger government is the solution to all our problems. Until our leaders/politicians are willing to own up to and be honest about their own mistakes rather than trying to hide them through spin, Washington does not deserve our trust and confidence. This book is methodically researched and written to show the root causes of the 2008 mortgage crisis. It makes clear Washington's own culpability in causing the crisis and that subsequent investigations covered that up. It also makes the valid point that until Washington is honest with itself about the causes of a problem, it will be incapable of legislating solutions to prevent them from reoccurring in the future. Dodd Frank was passed to carry out an political agenda and did not put in place laws that would have prevented the mortgage crisis from occurring in the first place.

Absolutely flabbergasting. This book is non-stop facts and stats essentially debunking the current 2008 Crisis narrative. Wallison, who was on the FCIC investigation into the crisis, has expanded his dissenting position and supplemented it with internal memos, quotes from speeches and promotions showing just how the housing bubble was created and why.Fannie Mae and the politicians and activists behind the housing bubble are convicted by their own mouths. They say explicitly what they intend to do, then congratulate themselves on having done it, in speeches, in memos, in documented self-promotion. They were pleased as punch that they undermined sound underwriting standards and forcibly spiked the housing demand. When everything came crashing down they blamed the usual suspects, wall street greed and lack of regulation. The hypocrisy is stunning.This book is essential reading for anyone who wants to understand the 2008 crisis and the 2007 housing bubble.

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Selasa, 23 Oktober 2018

PDF Download The Girl and the Wolf

PDF Download The Girl and the Wolf

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The Girl and the Wolf

The Girl and the Wolf


The Girl and the Wolf


PDF Download The Girl and the Wolf

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The Girl and the Wolf

Review

★ "It's got a worthy message for any reader to enjoy, and Indigenous and First Nations readers will especially connect with characters who nourish traditional ways of knowing while existing in an active, contemporary present. A tale about knowledge, power, and trust that reminds readers we used to speak with animals and still do—it already feels like a classic." (Kirkus Reviews—starred review 2018-12-12)"What I like about this story so much is the way the wolf and girl demonstrate techniques for calming down to solve problems…The wolf also sets an example for parents; rather than solving the girl's problem for her, he provides support and assurance while encouraging her to apply her knowledge to a given situation." (Glass of Wine, Glass of Milk blog 2019-02-12)

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Book Description

An empowering Indigenous twist on a classic wolf narrative.

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Product details

Age Range: 4 - 7 years

Grade Level: Preschool and up

Hardcover: 32 pages

Publisher: Theytus Books (February 5, 2019)

Language: English

ISBN-10: 1926886542

ISBN-13: 978-1926886541

Product Dimensions:

8 x 0.4 x 8 inches

Shipping Weight: 10.6 ounces (View shipping rates and policies)

Average Customer Review:

5.0 out of 5 stars

2 customer reviews

Amazon Best Sellers Rank:

#168,451 in Books (See Top 100 in Books)

There was a time, not long ago at all, when a call for “diverse voices” in a children’s library would have led you to a particular location: The folktale and fairytale section. Many a well-meaning librarian would hear your request for books reflecting the experience of one group or another and direct you to the 398.2s. Why? Because for a long time those were the rare books that even acknowledged that other races, ethnicities, religions, etc. existed in the world. But if you’d followed the librarian’s advice and perused the section, it wouldn’t have taken you very long to realize that the bulk of the books there were written by white people. Before #ownvoices was even a gleam in the public’s eye, white people would merrily write outside their lived experiences without a second thought. Sometimes they’d do the proper research, but a lot of the time it was, to put it mildly, loosey goosey. Nowhere was this more evident than when it came to books about Indigenous spiritual tales. We’re talking appropriation on a pretty massive scale, to say nothing of the fact that, adding insult to injury, they’d be labeled “folktales” to boot. Now walk over to the 398.2s these days and all those books are still there. Fortunately, thanks to efforts by publishing companies like Inhabit Media, Theytus Books, and others, we’re seeing a marked increase in the number of Indigenous authors and illustrators every year. “The Girl and the Wolf” by Métis author Katherena Vermette and Cree- Métis artist Julie Flett, is one of these; an original fairytale in the purest sense of the term. Essentially, it takes a European idea and flips it on its head. A book that cracks the limitations of the fairy tale form wide open.While her mother picks berries, a young girl “helps”. Which is to say, runs about as fast as her legs can take her. Forgetting her mother’s advice not to stray too far she soon finds that she has become lost in the woods, and nighttime is descending. To her surprise, a wolf presents himself but he does not seem intent on harming the child. Instead, he asks her questions that get her thinking. “Do you know how to hunt?” “What are you going to do?” When she says she doesn’t know the wolf snaps her out of her self-pity and urges her to take in her surroundings. In doing so she not only finds food to eat, but a way out of her predicament. Soon she is in her mother’s arms once more. Later, she leaves tobacco for the wolf by way of thanks.As a young librarian, I was taught some very strict guidelines regarding fairytales. When working on New York Public Library’s annual 100 Books for Reading and Sharing list, I was told in no uncertain terms that books to be taken seriously had to be based on real folk and fairytales and not just something someone made up. Never mind that every story, at its core, is just something someone made up, or that part of the charm of these books is how each author and artist puts their own spin on the proceedings. It was only when I left NYPL that I began to relax my own parameters a bit. As far as I’m concerned, fractured fairytales can get a bit samey after a while, but books where the tale is shifted and seen in a whole new light, THAT is worthy of consideration.On first glance the biggest difference between this story and any European one you can name is that the wolf is not the antagonist in the tale. That doesn’t mean that Vermette doesn’t play up the danger. The wolf may not be threatening but that doesn’t mean he isn’t wild. The first time he appears he is described as “a tall grey wolf with big white teeth…” When he sniffs the girl, “His wolf breath was hot and stank of meat.” Even Flett plays this up, subtly. Here is an animal, the tips of his teeth visible as he approaches. When it becomes clear that he means the child no harm, the book seems poised to make him into a protector or guardian. Instead, he’s a guide to the child. He provides no answers, only the questions that calm the girl and allow her to think critically. Under his guidance she can feed herself and locate places that look familiar. Their relationship is an empowering one, the wolf helping the girl to clear her head and find her own answers. The wolf is, then, like an ideal parent. Guiding the child but never giving away the answers outright.Recently I was reading my daughter Louise Erdrich’s novel “Birchbark House” and we kept coming across instances when characters would give thanks using tobacco in some way. Many is the child of the 21st century that associates tobacco with cigarettes and is repulsed by its existence. And really, until I read “The Girl and the Wolf” I’d not encountered it in any other children’s titles. In the book, after she is safe home once more, the girl leaves some tobacco in red cloth at a bush’s edge, “Because she didn’t know a better way to say thank you.” In context this could be interpreted, but I liked that Vermette included a note about the tobacco in her Author’s Note at the end. Not only does it explain succinctly tobacco’s role in times of gratitude, but it allows this book to be nicely paired with Erdrich’s. I’m a librarian, so pairing books together is basically my favorite part of my job.I’ve encountered the art of Julie Flett over the years, but usually when her books make it into the American marketplace they’re in board book form. In “The Girl and the Wolf” Flett limits her color palette to earthy tones and hues. There are great subtleties to her work, like the gently mottled fur on the wolf’s back, or the silhouette of grasses against a grey/blue sky in the fading light. Because the book takes place at twilight, Flett has to capture the time of day when you feel daylight waning, mere minutes before the dusk. Only the girl’s bright shock of red, her dress, provides any kind of striking color. Then there’s her physical attitude. I think that when some young children read picture books where they can relate directly (and what could be more relatable than losing the person who is supposed to take care of you?) they can get anxious and take their cues from the characters’ physical attitudes. Flett’s girl is anxious, but physically she matches the wolf in demeanor. There’s a steady thrum of calm to these pictures, even as the situation starts to feel dire.Children’s librarians are constantly asked to provide books full of “girl power” where the female characters have impetus and drive and are in charge of their own destinies. Such books often sport bright, eye-popping colors, and wild untamed girls that do battle with society’s mores and win. To these strong girl books I’d add “The Girl and the Wolf”. It’s not flashy or sparkly like the others. The girl in this book doesn’t work in a STEM field or break any barriers. Instead, she does something far more relatable. When caught in a stressful situation she takes stock, listens to sound advice, and thinks her way out of her predicament. That she does all this within the confines of what at first appears to be a Red Riding Hood-esque storyline just makes it all the more impressive. A clever twist on an old staple, and a much needed breath of fresh air for fairytale collections everywhere.For ages 4 and up.

A little girl runs into the woods while her mother is picking berries, only to become lost almost immediately. A wolf appears, but in a reversal of Little Red Riding Hood, the wolf helps the girl calm down and find her way home. The wolf does not lead her home, however, but asks the girl what she will do. She answers, "I don't know." The wolf reassures her that she does, indeed, know. He encourages her to close her eyes and take a breath before trying again to determine her course of action. Each time (she has more than one problem), she realizes that she does know what to do. When she returns to her camp, she finds the wolf gone. The Girl and the Wolf ends with the girl leaving a gift at the edge of the woods to thank the wolf.What I like about this story so much is the way the wolf and girl demonstrate techniques for calming down to solve problems. I often help T calm by practicing breathing exercises; he quickly identified with the girl when the wolf had her do the same. The wolf also sets an example for parents; rather than solving the girl's problem for her, he provides support and assurance while encouraging her to apply her knowledge to a given situation. Just like at T's farm school, he doesn't teach her anything, she has to figure it out for herself. And just like at T's farm school, he is there for her, guiding and helping along the way.I'd also like to point out that the girl is never named, nor does she have distinctive features. She could be anyone. And any child could imagine himself or herself in the girl's place or following her example. It is also worth noting that this also allows readers to identify with a First Nations character.The back reads: "An empowering indigenous twist on a classic wolf tale." And I wholeheartedly agree.Orca Books provided a review copy in exchange for an honest review. This review is also published on my book blog: Glass of Wine, Glass of Milk.

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Minggu, 14 Oktober 2018

Ebook Free In or Out: A Practical Guide to Decision Making, by A. I. Shoukry

Ebook Free In or Out: A Practical Guide to Decision Making, by A. I. Shoukry

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In or Out: A Practical Guide to Decision Making, by A. I. Shoukry

In or Out: A Practical Guide to Decision Making, by A. I. Shoukry


In or Out: A Practical Guide to Decision Making, by A. I. Shoukry


Ebook Free In or Out: A Practical Guide to Decision Making, by A. I. Shoukry

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In or Out: A Practical Guide to Decision Making, by A. I. Shoukry

Review

"One of the best Decision Making books of all time" - BookAuthority

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From the Inside Flap

There are many books on decision making, many of them written by esteemed psychologists, managers, behavior scientists, statisticians, and even Nobel laureates; however, these books are written from a specific angle. They are dry on the personal side and sometimes too complicated even for academics.This book is a personal journey through the process of decision making and a practical guide to help you understand:On what basis people do make decisions?Why do we prefer one choice over another?Why and when do we choose in?Why and when do we choose out?Are you having difficulty making decisions? This book will guide you through the decision-making process. By the end of this book, you will know what factors you should consider while making any decision and be able to evaluate the outcomes and overcome your limitations.You will learn how to make balanced decisions, and how to make a great decision based on your principles and values, not someone else's. You will get tools, tables, and examples to help you make decisions in your daily life, relationships, work, and investments.The book is formed of three sections and 11 chapters:Section one will discuss the pre-decision stage and is formed of five chapters.·       Chapter 1 will explain why we struggle to make decisions, and which parts of us are involved in making the decision.·       Chapter 2 will explain the hard internal factors that determine our decisions.·       Chapter 3 will explain the soft internal factors that determine our decisions.·       Chapter 4 will look at the external factors that determine our decisions.·       Chapter 5 will tell you about our limitations as human beings when making decisions.Section two will discuss the process of decision making and is formed of four chapters.·       Chapter 6 will guide you through the decision-making process and explain its stages.·       Chapter 7 will give you more than 10 decision tools to help you make any decision easily and effectively.·       Chapter 8 will tell you how to make balanced decisions and live a balanced life using the balanced life equation and the balancing matrix decisions tools.·       Chapter 9 is on special situations where we have to make decisions in unconventional conditions.Section three will discuss the post-decision and is formed of two chapters.·       Chapter 10 is about the execution of decisions.·       Chapter 11 will help you become a decision maker. You will see how to make decisions proactively and learn the meaning of happiness. So, are you in? Or are you out?

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Product details

Paperback: 222 pages

Publisher: Independently published (December 24, 2017)

Language: English

ISBN-10: 1976702046

ISBN-13: 978-1976702044

Product Dimensions:

6 x 0.6 x 9 inches

Shipping Weight: 12.2 ounces (View shipping rates and policies)

Average Customer Review:

4.1 out of 5 stars

17 customer reviews

Amazon Best Sellers Rank:

#749,075 in Books (See Top 100 in Books)

If you are looking for practical yet scientific methods on how to make decisions in life, then “In or Out” is a book you should be reading.The book is well organized and addresses the different phases of decision making.Methodically the author goes through the pre-decision phase addressing issues of why we might struggle when making decisions, describing internal and external factors that affect our decisions which we might not be aware of, as well as addressing our limitations.In the second section, the writer takes us through the actual decision making process. He introduces a plethora of tools that could be used for different cases as well as provides examples using these tools. The variation of tools is flexible enough that each person can choose what is best for their specific situation and does not corner us to use one specific method.The final section of the book talks about the post-decision phase, an often overlooked area in other similar genres. Guidance on executing, following up and tweaking our decisions is just as important as how to make the decision itself, because as the author states “an unexecuted decision is just ink on paper”. He walks us through motivational methods on how to proceed, as well as how to deal with second thoughts after making a decision.Although the book is based on a scientific method, it is written in an easy way which can be fruitful for anyone. It is also peppered with real life examples, many from the author’s own life, which helps the reader grasp the concepts of the book. The book is also well referenced in the end.Overall, this book provides practical guidance on a tricky issue, decision making. The effort and research invested in writing this book are evident, and I believe it is a valuable addition to any library.

Definitely recommend! I bought this book on my Kindle because I am very indecisive. I’ve read other books on this topic, but this book is true to its title. Written by a medical professional, this book was pleasantly surprising. It’s an easy, straightforward read to help people understand the underlying factors when making a decision.

If the Title causes you to think "I’m not sure" then just spend the money and buy this book. It is worth reading, and for me and some of my friends, it came at the right time. I believe that life problems are just needing to be faced with “simply” a decision, so you either willingly and powerfully face these problems, or it will be forced painfully upon you.This book is written as a practical guideline for smart decision-making process so can help make it easier and value-based. Interesting book, I think everyone could benefit from reading it.

It reads like this...blah blah blah and my famous friend blah blah blah... and some rich guy I know blah blah blah... with some smart people I met... blah blah blah the university blah blah blah. I didn't see anything helpful...or even meaningful up through the first half of the book. That's all I could take.

Easy to follow and understand the factors that affect the decision making process. The author also sites some personal experiences whick make the book fun to read

Complete guide for decision making process, The author Covers the process from different aspects.The topic is covered in a well organized way.recommended.

A very good book that is simple for anyone to read for everyday situation yet has enough information to be used for more complicated situations.

Excellent book. Easy to read. Very talented author.

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Selasa, 02 Oktober 2018

Free PDF Idle Days in Patagonia

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Product details

Paperback: 148 pages

Publisher: CreateSpace Independent Publishing Platform (February 12, 2018)

Language: English

ISBN-10: 1985305127

ISBN-13: 978-1985305120

Product Dimensions:

6 x 0.3 x 9 inches

Shipping Weight: 9.9 ounces (View shipping rates and policies)

Average Customer Review:

5.0 out of 5 stars

1 customer review

Amazon Best Sellers Rank:

#331,622 in Books (See Top 100 in Books)

The book is conveniently sized. The print font is very readable and large enough to avoid eye strain.

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Jumat, 28 September 2018

Ebook Pot Limit Omaha: The Ultimate Guide to This Fun Game

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Pot Limit Omaha: The Ultimate Guide to This Fun Game

Product details

#detail-bullets .content {

margin: 0.5em 0px 0em 25px !important;

}

Audible Audiobook

Listening Length: 34 minutes

Program Type: Audiobook

Version: Unabridged

Publisher: Towdie Publishing

Audible.com Release Date: September 14, 2016

Language: English, English

ASIN: B01LW5LR0V

Amazon Best Sellers Rank:

This book seems to be geared towards serious poker players looking for something new or existing Pot Limit Omaha players who want to improve their strategies. As for me, I was just curious because I did hear from friends on how this fun game is. Best to put me in the curious category and this book almost hits the mark for that group. As someone who is curious, I want a good presentation and while this book contains dozens of paragraphs that explain the game and the strategies behind it, they are still paragraphs. There are no bulleted lists, images or anything. It comes off a bit bland even though everything is explained so well. Took me a bit of patience before I really appreciated the book and really learn stuff about this poker variant. Learning is guaranteed but actually enjoying the book... well your mileage may vary.

This guidebook is interesting and helpful. By reading this book I have learned more about POT LIMIT OMAHA. Inside of this book the author has described some amazing strategies about this fun game. Inside of this book I have found some proven steps and strategies about how to become an amazing pot limit Omaha player. It is true that this game is very popular. Actually, I had a huge interest about this game and for that why last week I purchased this book. My college friend suggested this book a few weeks ago. This book really helped me a lot and this book guided me about how to understand this game plan perfectly. I am glad to read this book and by reading this book I am pleased enough. If you like to play gambling, poker, card game then this book will be perfect for you.

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I'm passionate Texas Hold Em' player. I like to play it with my friends but also online. I stumbled upon this Pot Limit Omaha game and was very interested in learning something about it. This book was a great guide to this interesting card game. It gives a very good introduction to a game itself and to its rules. Also, you can learn a few strategies how to become a good player as well as tips on what you should keep caution of when playing Omaha. Overall, very good book on a subject that I find very helpful.

f you're a fan of card games, you'd have to learn pot limit omaha. And if you want to learn pot limit omaha, then you'd have to read this book. The author shares incredible secrets about this card game that no one tells you about. Juicy information will be shared that can help you master this card game. Really loved reading this book as this greatly helped me in learning more about pot limit omaha.

What it lacks in volume (only 30 pages in length) it more than makes up for it by way of a slew of grammatical errors and a complete lack of pictures, tables or charts. I was very disappointed.

Seriously,The author and the publisher didn't bother doing a spell and typo check.Very poorly written. Incomplete explanations. Hand examples totally confusing

This book is practically unreadable. It's as if it were written by someone who doesn't speak English. There may be some helpful hints, but I couldn't get through the bad grammar, spelling mistakes and lack of complete sentences to find them.Don't pay any money for this.

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Selasa, 25 September 2018

PDF Download Blockchain, Fintech, and Islamic Finance: Building the Future in the New Islamic Digital Economy

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Review

"The authors are to be congratulated for this book. It is an important pioneering effort. The work is on the frontier of knowledge in the new area of Fintech. As is well known, the financial sector is suffering from low levels of trust in a trust-intensive industry. Islamic finance too is facing low-trust environment that has denied it the use of the strongest of its characteristics: risk-sharing. As a result, it has resorted to debt-based financing. Blockchain/smart contracts provide potentially powerful tools to address the low-trust challenge. The authors have done a great service to Islamic and conventional finance by producing a book that should be read by anyone interested in finance and economics." --Prof. Dr. Abbas Mirakhor, Holder of the First Chair of Islamic Finance at INCEIF, retired Dean of the Executive Board of the International Monetary Fund (IMF), Washington D.C. "This is an important contribution by the authors to two emerging fields--Islamic finance and fintech. In this respect, it touches two frontiers as this research could pave the way for the development of both fields. Fintech offers great potential for reaping the benefits of Islamic finance and this book provides an excellent overview of the issues and applications. I am confident that researchers, policy-makers, and practitioners would benefit from this important work." --Dr. Zamir Iqbal, VP Finance and Chief Financial Officer (CFO), Islamic Development Bank (IsDB), Jeddah, former Head of World Bank Global Islamic Finance Development Center, Istanbul "In this digital era, new technology has proven to bring agility, scalability, innovation, and efficiency in operations and means of doing our work. This book argues, persuasively, that the fintech and blockchain applications are not only the channels of fusing technology with Islamic finance; it also lays the foundation for new Islamic digital economy, while keeping in view the Maqasid Al-Shariah. This book is a first-of-its-kind contribution to the literature on constructing the Islamic digital economy." --Dr. Hussain Mohi-ud-Din Qadri, Patron, International Centre of Research in Islamic Economics (ICRIE) Minhaj University, Lahore "While the growth of fintech firms has already become a game changer in the conventional financial sector, its application in Islamic economy is still in an incipient stage. The authors of this pioneering work deserve appreciation to not only offer a historical perspective on these exciting developments but also suggest ways to building Islamic digital economy with the use of these tools, especially distributed ledger technology. I would recommend this book to all those who are interested in building a trusted, just and efficient Islamic digital economy." --Zahid ur Rehman Khokher, Assistant Secretary General of the Islamic Financial Services Board (IFSB), Kuala Lumpur "The authors hit the mark; blockchain needs to become part and parcel of economics, finance and policy across Muslim-majority countries. It is critical for the leadership to understand what blockchain is and its potential application. Islamic economies need to carefully consider the adoption and the potential institutionalization of blockchain across various facets of their economics. The authors lay the groundwork in this book, and it is a must-read for the broad audience whose desire is to focus on a next generation technology, its adoption and implications." --Omar Rana, Director of Strategy and Finance at Finalytix, Toronto, and former Chief Investment Officer for a US$500M private family office in the GCC

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About the Author

Hazik Mohamed, Stellar Consulting Group Pte Ltd; Hassnian Ali, University Islam Sultan Sharif Ali, UNISSA

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Product details

Paperback: 180 pages

Publisher: De|G PRESS (December 17, 2018)

Language: English

ISBN-10: 1547417129

ISBN-13: 978-1547417124

Product Dimensions:

6.1 x 0.5 x 9.2 inches

Shipping Weight: 14.1 ounces (View shipping rates and policies)

Average Customer Review:

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Amazon Best Sellers Rank:

#426,070 in Books (See Top 100 in Books)

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Minggu, 12 Agustus 2018

PDF Download Blue Guide New York

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Blue Guide New York

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Review

Possibly the most comprehensive guide there is to New York. -- New York Daily NewsSets the standard for travel guides. -- Sunday Times [London][I]mpressive and indispensable to the serious sightseer. -- New York Times, Richard F. Shepard

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Product details

Series: BLUE GUIDE NEW YORK

Paperback: 862 pages

Publisher: W W Norton & Co Inc; 3 edition (April 1, 2002)

Language: English

ISBN-10: 0393319857

ISBN-13: 978-0393319859

Product Dimensions:

4.8 x 1.2 x 7.8 inches

Shipping Weight: 1.6 pounds

Average Customer Review:

4.5 out of 5 stars

8 customer reviews

Amazon Best Sellers Rank:

#2,579,846 in Books (See Top 100 in Books)

Carol von Pressentin Wright's "Blue Guide to New York" is probably the most comprehensive guidebook to the Big Apple available. Absolutely indispensable, it includes 41 detailed maps for all five boroughs: Manhattan, Brooklyn, the Bronx, Queens, and Staten Island, along with several black and white photographs. As a New Yorker, I cannot think of anything that has not been included here. I frequently use the book myself, especially when I have out-of-town visitors. It is also excellent, for New Yorkers and visitors alike, to use on walking tours. I have the 2002 edition.In an extremely accessible format, "The Blue Guide" presents information on all NYC districts and important sights, including: practical information, lodgings, restaurants and eateries for every budget, transportation, museums and galleries, sports, performing arts, shopping, monuments, historic detail and districts, detailed walking tours and background information. As noted, there is a veritable plethora of clear and easy-to-follow maps, along with a large pull-out MTA map of the subway system, and bus, railroad and ferry connections.From the posh shops on Madison and Fifth Avenues to the funky Lower East Side, from the streets of Greenwich Village and Soho to the brownstones of Brooklyn Heights and Park Slope, this is the one and only guide you will need to navigate through this fabulous city, and to find fascinating out-of-the-way places most tourests never discover. There are myriad cultures here: Little Odessa in Brighton Beach, Brooklyn, Little Italy, Chinatown, a thriving Greek community in Astoria, Queens, Atlantic Ave. in Brooklyn where Arabic is heard on the street and wares from all over the Middle East are sold. Almost every country in the world is represented here and you can visit them all easily with the Blue Guide in hand. I hope you enjoy the city I love!JANA

Because I note that the existing reviews on this site refer to the previous edition, this New Yorker recommends the Blue Guide as the only NY guidebook you will need. I refer to mine again and again.One caveat: the subway lines are now happily back to normal, again running to South Ferry, and the map included in this book, which went to press shortly after the World Trade Center disaster, is out of date. Updated maps are posted in every subway station and train, are available free at every subway change booth, and can be reviewed on the Web.

Essential reading for anyone coming to New York. I used this to study for my sightseeing guide license.

good guide

All right, the most recent edition of the Blue Guide added CBGB's, an East Village rock, punk club that has now gone out of business. A few other establishments in the various editions of this fantastic guide are undoubtedly also no longer with us.Having said that, even the oldest first and second editions (the latter, from 1991) are still incredibly useful, even timeless. For even they have listings of the most important sights in each of the city's five boroughs, a bevy of maps, lists of hotels and restaurants, sightseeing services, theaters, amusements, gardens, museums and so on.But unlike the average, perfunctory city guide, this one (at least the 1991 edition) has more than 760 pages, including all the maps. And those pages also encompass a broad spectrum of architectural descriptions and historical events.Not only buildings and the like are described here. So are whole parks, streets and districts, along with detailed pointers on all the exterior and interior trivia one could ever want to know while on a walking tour.I can't attest to the value of any of the other 40-plus Blue Guide titles. But if you forget every other guide book while in New York, it will be okay, so long as you bring along at least some version of this one.--Alyssa A. Lappen

Carol von Pressentin Wright's BLUE GUIDE NEW YORK is a brilliant guide to the city and stands alone for historical perspective, cultural depth, and effective prose. Though I've lived in New York City for 12 years, this book serves as a constant companion, and I grab it nearly any time I walk out the door--every outing can now yield new layers of understanding of this, my adopted town. In the midst of a busy day, I might pass through, say, Union Square and take a moment to read the appropriate entry. Not only do I absorb details of architecture and city planning that previously eluded me, but also the whole checkered and colorful history of the place jumps to life.Thus, I heartily recommend the book to all longer-term visitors and to those New York residents who yearn for a greater appreciation of home. Indeed, the richness of detail and comprehensive geographical coverage may actually render BLUE GUIDE less than ideal for the short-term visitor. (For those in need of a restaurant or hotel guide, there are more than enough lesser guides to fill the bill.)One caveat. As an avid user of the 1991 2nd edition, I looked forward to the long overdue 2002 edition. With all due respect to the two new co-authors and their well-intentioned efforts, I believe that the newer, more user-friendly visual format actually decreases the book's effectiveness, as does the additional text, which lacks the consistently high critical standards of Wright's solo work. I recommend seeking out the 1991 edition (Amazon seems to offer several copies at reasonable prices). Whatever inconvenience is caused by the several outdated entries is outweighed by the ample rewards of the text.

Although there is some sloppy research and perpetuation of myths (no, the Flatiron Building was never the tallest building in New York City when built in 1902....The Park Row Building from 1899 is 33 meters taller), this volume does cover more of the city than just about any other guide. Despite the errors here and there, I do find its richness in scope very appealing, as few if any other books cover as much ground as this one.

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Blue Guide New York PDF
Blue Guide New York PDF