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- Free E-book History of the United States
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... Third . We have dwelt fully upon the social and economic aspects of our history, especially in relation to the politics of each ... of Democracy and the World War Download Link Free E-book History of the United States (481 pages pdf files, 6.6 Mb) ...
Story - acrobat - 09/26/2008 - 17:00 - 0 comments - 0 attachments
- PDF Ebook The Success Principles: How to Get From Where You Are to Where You Want to Be
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... it is like to be scraping by on the bottom rungs of the economic ladder. After graduate school, I started my career as a high ... Yourself by Empowering Others The Success Principles Free Success Tools™ The Success Principles Annual Success Challenge™ ...
Story - antoq - 08/13/2009 - 08:28 - 0 comments - 0 attachments
- Ebook Conference on the Interaction of Market and Credit Risk
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... most important factor considered by banks when determining economic capital (see IFRICRO, 2007). However, no unified economic capital ... of one year, and that L gets remunerated at the risk free rate r0. Under risk neutrality, the interest rates charged on A is r0 ...
Story - wulan - 12/11/2009 - 07:57 - 0 comments - 0 attachments
- PDF Ebook Zero Debt : The Ultimate Guide to Financial Freedom
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Debt is the longest-lasting economic curse, the most heinous financial plague, and the least recognized ... Doesn’t Work I Don’t Have Debt – So This Book Isn’t For Me Who Is In Debt and Why? How Long Could You Last without ... How Much Do You Owe? I Debticate Myself to Being Debt-Free Day 4 Order your credit report and FICO? score What is a ...
Story - antoq - 12/08/2009 - 02:14 - 0 comments - 0 attachments
- PDF Ebook Literature Review on Personal Credit and Debt in Australia
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... financial decision making no longer remains an individual, economic issue. There is a further need to measure the impact of these cultural ... working with mainstream providers 3.3 Interest free loans 3.4 Microfinance 3.5 Payday lending 3.6 Book Up 3.7 Lack of ...
Story - antoq - 08/24/2009 - 08:22 - 0 comments - 0 attachments
PDF Ebook Basic Emotions, Complex Emotions, Machiavellian Emotions
Submitted by antoq on Sat, 04/18/2009 - 08:38According to the distinguished philosopher Richard Wollheim, an emotion is an extended mental episode that originates when events in the world frustrate or satisfy a pre-existing desire (Wollheim, 1999). This leads the subject to form an attitude to the world which colors their future experience, leading them to attend to one aspect of things rather than another, and to view the things they attend to in one light rather than another. The idea that emotions arise from the satisfaction or frustration of desires - the ‘match-mismatch’ view of emotion etiology - has had several earlier incarnations in the psychology of emotion 2. Early versions of this proposal were associated with the attempt to replace the typology of emotion found in ordinary language with a simpler theory of drives and to define new emotion types in terms of general properties such as the frustration of a drive. The match-mismatch view survived the demise of that revisionist project and is found today in theories that accept a folk-psychological-style taxonomy of emotion types based on the meaning ascribed by the subject to the stimulus situation. For example, the match-mismatch view forms part of the subtle and complex model of emotion episodes developed over many years by Nico Frijda (Frijda, 1986). According to Frijda, information about the ‘situational antecedents’ of an emotion - the stimulus in its context, including the ongoing goals of the organism - is evaluated for its relevance to the multiple concerns of the organism. Evaluation of match-mismatch - the degree of compatibility between the situation and the subject’s goals - forms part of this process.
The result of the evaluation process is an understanding of the situation in terms of the possible actions it affords and the urgency of adopting a course of action. This understanding may in turn initiate physiological changes readying the organism for action and the formation of dispositions to act on various anticipated contingencies. Each stage of the emotion process is regulated by cognitive activity outside the emotion process itself, and the whole emotion process operates in a ‘continual updating’ mode leading to a varied emotion episode, rather than ‘running its course’ to result in a single emotion. Many other ‘cognitive appraisal’ theories of emotion share Frijda’s conception of an ongoing process of evaluation with feedback and hence are theories of emotion episodes rather than theories of the elicitation of a single emotion. But at the heart of all these models are claims about the features of the emotion-eliciting situation that lead to the production of one emotion or another at some point in the episode. These claims are usually expressed as a set of dimensions against which the situation is assessed, one of which often corresponds to match-mismatch. Many theorists label points in the resulting evaluation hyperspace with the names of emotion categories, which would seem to imply that the type-identity of an emotion is determined by the evaluation process.
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Ebook The Vegan Diet How-To Guide For Diabetes
Submitted by puput on Sat, 08/15/2009 - 06:25Diet changes are the cornerstone to treating type 2 diabetes. Current diet recommendations require restricting portion sizes, measuring and weighing foods, and limiting the total amount of carbohydrate. However, evidence suggests that a different dietary approach may be more effective and easier to follow.
The evidence favoring a new approach came first from comparisons of various populations around the world. People whose diets were based mainly on plant derived foods that is, rice, noodles, beans, and vegetables were less likely to develop diabetes, compared with people whose diets are fattier or centered on meatier dishes. For example, among people following traditional Japanese diets, diabetes was rare. Studies show that when people moved from Japan to the U.S. and adopted a Western diet, they were much more likely to develop diabetes.
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PDF Ebook Anatomy of an ARM: The Interest Rate Risk of Adjustable Rate Mortgages
Submitted by antoq on Sat, 08/15/2009 - 06:40Recent surveys of major thrifts and mortgage bankers (see, for example, Inside Mortgage Finance) indicate that, while there are many different indices underlying adjustable rate mortgages in the U.S., four indices dominate the market:
- 1. The one year constant maturity Treasury yield,
2. One year LIBOR,
3. The Eleventh District Cost-of-Funds Index (EDCOFI),
4. The Federal Housing Finance Board (FHFB) national average contract interest rate.
The results of the Ott [18] ARM duration study, and numerous recent studies of the time series properties of EDCOFI, suggest that only the first of these indices adjusts instantaneously to changes in contemporaneous Treasury rates. The others adjust with a lag. Ott [18] uses a classical duration approach to show that this lag can have a significant impact on the interest rate sensitivity of ARMs. However, without explicitly modeling term structure dynamics, he cannot address the impact of mortgage prepayment, or additional common contract features such as interest rate caps. On the other hand, most recent ARM valuation models, using a contingent claims approach with a richer specification of interest rate dynamics, can analyze the impact of interest rate caps and prepayment, but they ignore the lag in the adjustment of the ARM coupon to the contemporaneous term structure (see, for example, Kau et al. [10], Schwartz and Torous [23], and McConnell and Singh [13]). No previous study simultaneously analyzes the interacting effects of both the time series properties of the index and prepayment/interest rate caps on the interest rate risk of ARMs.
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- 423 reads