Risk Less

A practical guide to getting personal investing rightSomewhere along the way, something has gone very wrong with the way individuals save and invest. Too often, households are drawn in by promotional

Looking for a low-risk, low-capital path to astounding growth?Experienced franchisor Shelly Sun shares practical advice and her own compelling experiences to help you discover the power and avoid the

"Introduction It all began with a TASER incident in 2001 that brought two cops, Chris Myers and Tom Burns, and a forensic scientist, Rick Wyant, together to help develop protocols to better investigat

Successful security professionals have had to modify the process of responding to new threats in the high-profile, ultra-connected business environment. But just because a threat exists does not mean

Big Money, Less Risk: Trade Options will put the income boosting power of strategies like writing covered calls, selling naked put options, and placing vertical spread trades or iron condors in your h

The 90% Solution is about understanding the most important factors impacting today’s stock market, how they influence performance—and how they can be used to produce higher returns. In it,

The abolition movement in the United States―the fight against slavery―likely would have been less powerful and effective without the women of the movement. Yet, even in this fight for freedom, women were often sidelined by their male counterparts. Still, certain mission-driven American women were tenacious in their quest to free the enslaved peoples on American soil. This important book introduces readers to the significant groups and individuals who spoke out and put their lives at risk to halt American slavery. Fact boxes, sidebars, and historical images aid in supporting key curricular content.

《經濟學人》列為全球25位最具影響力的經濟學家之一 《紐約時報》暢銷書作者、頂尖理財專家 勞倫斯．克里寇夫教授教你一生受用的財務規劃 跳脫景氣與趨勢，過上不為錢煩惱的生活！ 職場新鮮人，你會想知道「我該先還學貸還是存退休基金？」、「我該去擠台積電還是去做水電工，賺得比較穩？」 職場老鳥，你會想知道「我該幾歲退休呢？」、「要存多少錢才能安心退休生活呢？」 未婚者，你會想知道「我該搬出去住還是住家裡，才存得了錢、理得了財啊？」 想生二寶的父母，你們會想知道「如果生了第二個孩子，需要買更多人壽保險嗎？」 屆齡退休族，你會想知道「退休後我還適合投資股票嗎？」、「什麼時候是移轉財產的好時機啊？」、「以房養老是個好方法嗎？」、「財務規劃要到歲，難道是100歲嗎？」 以上人生十問，你能回答幾題呢？作者克里寇夫教授是美國著名的經濟學者、理財專家，他運用經濟學原理、高階演算法以及財富觀念打造了一個靈活、實用的財務決策框架「生活水準機器」，適用全年齡層和不同收入水準的使用者，幫助大家開始財務規劃的第一步，先清楚財務底層邏輯，才能降低生活風險，進一步提高消費能力與生活，克里寇夫教授稱它為「金錢魔法」。 書中每項金錢魔法妙招都是奠基於經濟學常識，而不是來自什麼華爾街的偏方或騙術。金錢魔法最強大的力量在於轉變你的理財思維，克里寇夫教授不僅解釋該做些什麼，還說明為什麼要這麼做。他用溫柔的筆調、務實的思維、清晰的智慧以及引人入勝的敘事手法，施展強大的魔力，讓大家迫不及待去完成自己過去避之唯恐不及待辦事項：理財規劃！ 本書的每一章都融合經濟學原理，並結合「生活水準機器」的發現，協助你在一生有關教育、職業、婚姻、生活方式、住房、保險、投資、退休年齡等相關財務決策上，建立一個完整的理解，創造屬於自己專屬的金錢魔法並達到以下三個目標：讓你賺更多錢、減少風險、以更快樂的方式花錢，讓你運用手上的錢買到更多幸福！ 【本書特色】 1. 本書以簡單易懂的方式帶領讀者熟習各種金融知識，內容強調開源、節流兩者並重的重要性，適合理財新手應用於不同的生活課題。 2. 書中每項金錢魔法妙招都是奠基於經濟學常識，作者用幽默淺白的話闡述人生面臨教育、職業、婚姻、生活方式、住房、保險、投資、退休年齡等相關財務決策，並進一步討論各種方案的優缺點、需留意的細節與陷阱等豐富的財務規劃觀點，兼具易讀性與實用性。

★ 本書獲美國亞馬遜 4.5顆星評價！「施予是必要的，但更要知道如何施予。」"It Is Necessary to Give. It Is More Necessary to Know How."我們常常在思考人行善或作惡的緣由，卻往往百思不得其解，儘管其中有幾個顯而易見的理由，例如罪惡感、自責、害怕杜會責難、宗教導引，甚或是對於最終審判的恐懼，但為什麼有些人就算天塌了也難有什麼慈善作為，有些人看到遊民接近時卻會主動掏出錢來？是什麼樣的施予滿足了那些施予者的需求？那樣施予的需求又是從何而來的？其間有何法則呢？將近一千年以前，偉大的哲學家及醫師麥摩尼地斯（Maimonides），亦即希伯來人所知的藍邦（Rambam），藉由思考「公義」這個問題，而從中領悟出「慈悲之梯」（The Ladder of Giving，又名 The Ladder of Charity）。【麥摩尼地斯的八級階梯】（The Ladder of Giving / Charity）麥摩尼地斯的八級階梯是由頂端最高階段的施予開始寫起，一路寫下來，從理想到現實，各階段主題為「勉強」、「比例」、「懇求」、「羞愧」、「界限」、「腐敗」、「匿名」、「責任」；最低階是屬於吝嗇的施予者，頂點則屬於能幫助窮人自給自足的施予者。◆ 第一階 勉強：吝嗇地施予（Reluctance: To give begrudgingly）◆ 第二階 比例：不是很適當地施予給窮人，但卻樂意這麼做（Proportion: To give less to the poor than is proper, but to do so cheerfully）◆ 第三階 懇求：窮人請求後才給他們錢（Solicitation: To hand money to the poor after being asked）◆ 第四階 羞愧：在窮人請求前就給他們錢，但是冒著讓接受者覺得羞愧的風險（Shame: To hand money to the poor before being asked, but risk making the recipient feel shame）◆ 第五階 界限：施予給你並不認識的人，但讓他們知道你的名字（Boundaries: To give to someone you don't know, but allow you

 「指數基金教父」約翰．柏格指定必讀 買進並長期持有三市場指數基金，就等於擁有低成本、低風險、多樣化、穩獲利的優勢，學學這套任何人都做得到的簡單方法，輕鬆實踐安然退休，再也不是夢。• 汲汲營營於挖掘飆股，試圖打敗市場？　• 整天盯盤，一點風吹草動就趕緊殺進殺出？• 覺得投資好難，乾脆全交給專業顧問安排？鄉民們，如果這些是你們習慣的投資方式，那只能說：抱歉了錢錢～這注定是一場災難！首先，每個賠到脫褲子的人，都深信自己能打敗市場；其次，頻繁進出的下場，就是報酬全被交易成本吃光光；最後，大多數的顧問都不想為你賺錢，而是想把你的錢變成他們的。其實，投資可以很佛系。只要照著柏格的投資理念――「簡單至上」，就能賺到錢也賺到時間，還能讓你提早退休（財務無虞），有更多餘裕去做其他想做的事。作者泰勒雷利摩爾，是「指數教父」約翰柏格的頭號粉絲，他在嘗到了幾次投資苦果後才發現，唯一符合投資人心中夢幻逸品特性的投資組合，只有「三市場指數基金」，它們的特徵就是：低成本、低風險、多樣化、穩獲利！泰勒和其他柏格信徒致力於推廣指數化投資，創立了全世界最大的線上免費金融平台――柏格頭論壇（Bogleheads.org），該論壇每日點擊率高達450萬次、討論主題超過20萬個、幫助上百萬人達到財務目標。本書就是集結論壇上的概念，幫助你帶著七位數的績效安然退休的實踐指南。先來認識一下： 三市場指數基金是什麼？就是整體股票市場指數基金（Total Stock Market Index Fund）、整體國際股票市場指數基金（Total International Stock Market Index Fund），以及整體債券市場指數基金（Total Bond Market Index Fund），投資人可以取決於他們的投資目標、風險承受能力、年齡和財富而調配各項比例。 為什麼多數金融業者都不喜歡指數型基金？很簡單，因為擋人財路。業者很難藉由出售低成本的指數基金賺錢，所以才會一直說服投資人，表示能找出「打敗市場」的更好的投資組合，但事實證明根本辦不到。連巴菲特都曾說：「過去十年中，投資人在尋求優質投資建議這件事上，總共浪費了超過1000億美元。」說穿了，他們的最大目的就是盡可能從投資人身上撈錢。 指數型基金有哪些優勢？實際績效顯示，被動式管理基金（追蹤大盤指數的指數型基金）的表現一定比主動式管理基

This Element provides a detailed overview of the structural changes in the Asia-Pacific region from the early 2000s onwards. It reviews the most relevant literature on this important topic. The following two research areas are explored: first, by deploying visual network analysis (VNA), we analyse cross-border interbank claims and liabilities of the individual countries located in the Asia-Pacific region. Such an analysis evaluates interbank exposures to systematically important banks within the specific market. The important advantage of VNA is that it allows us to examine the 'hierarchical' cross-country interbank contagion risk that seems to have been neglected in similar studies. Secondly, we evaluate the contagion risk to the individual countries spreading from the financial centres in Hong Kong, Singapore, Tokyo, New York and London. The analysis unveils links and statistical factors that could be used as a key tool for detecting the potential triggers of systemic risk.

Twenty benefits from the three-fund total market index portfolio. The Bogleheads’ Guide to The Three-Fund Portfolio describes the most popular portfolio on the Bogleheads forum. This all-i

McGraw-Hill Education - Europe, United States, 2011. Paperback. Book Condition: New. 228 x 152 mm. Brand New Book with Free Worldwide Delivery. This is the beginner's guide to low-risk entrepreneurshi

In the years since the 9/11 attacks—and the subsequent lethal anthrax letters—the United States has spent billions of dollars on measures to defend the population against the threat of bi

User-friendly risk management tools, tips, and techniques for a less certain world Though a very high level of investor uncertainty, anxiety, and concern about risk now exists, the vast majority of in

This book takes a Lacanian, and related post-structuralist perspective to demythologize ten of the most heavily utilised terms in spatial planning: rationality, the good, certainty, risk, growth, glob

Attorney and personal financial strategist Childers teaches anyone, regardless of their current financial situation, how to give themselves a "financial facelift" in 48 hours or less by following his

This volume consists of papers chosen from the Boston Area Public Enterprise Group Conference that was held in 1980 and concentrated on public enterprises in less-developed countries. The Boston Area Public Enterprise Group is composed of scholars dedicated to understanding the public enterprises operating in the world's mixed economies. Public enterprises are government-owned firms that sell goods or services in a market. Involved in public production for private consumption, they are a hybrid of government and private enterprise. Thus, an analysis of public enterprise requires insights from economics, management, political science and law. Each of these disciplines is represented in addressing the following questions: Why public enterprise? Who should control public enterprise? How are decisions made in practice? How do public enterprises behave in international markets? How does risk and uncertainty alter public enterprise decisions'? How are incentive structures to be designed'? Ho

Your Fool-Proof Plan for Risk-Free Riches.The "Artificial Wealth Trap" has taken countless people captive. In this extraordinary new book, attorney and personal financial strategist J.J. Childers tea

Proven techniques for leading-instead of following-fast-changing markets Investors, no matter what strategy they are using, can be placed into two categories. Single-minded, inflexible hedgehogs lock

The industrial workplace can be safe and healthy for workers and for the public. It can also be an environmentally sound and reliable operation, resulting in less damage to assets and balancing people

This is an open access title. It is available to read and download as a free PDF version on Oxford Academic and is made available under a Creative Commons Attribution-Non Commercial-No Derivatives 4.0 International licence. Political actors who challenge democratic fundamentals have been present for some time, yet democracies still struggle to determine how best to respond to them. Should antidemocrats be excluded, at the risk of violating core democratic principles such as equal representation and pluralism, or should they be included, potentially leading to further democratic backsliding and erosion? Despite the urgency of this dilemma, democratic theory has largely focused on defending militant democracy - the practice of excluding antidemocratic actors - while paying less attention to alternatives. Responses based on toleration are often dismissed, even though they are more widely practiced. Meanwhile, social approaches, which seek to counter anti-democrats by addressing the struct

Breaking Apart Intimate Partner Violence and Abuse provides a thorough examination of intimate partner violence and abuse, encompassing the nature, influential factors, and the impact of its presence in interpersonal relationships. By "pulling together" representative studies and other evidence-based analyses by researchers and interventionists, this comprehensive overview of the concept surveys the prevalence, patterns, and common risk factors among a number of demographics, including women, men, transpeople, partners in opposite- and same-sex relationships, teen dating partners, later-life partners and abused partners with disabilities. The authors also disentangle - that is, "break apart" - the factors of race, class, gender, sexuality, gender expression and culture by exploring their effects on experiences of intimate partner violence and abuse perpetration and victimization. Although less scrutinized in current literature on the topic, discourse and institutional barriers to abuse

Cash is Queen breaks down the basics of how young women of today can learn to understand and manage money - an empowering skill that will last them a lifetime.The world’s first money book written exclusively for girls, Cash is Queen is designed to deliver the sophistication, practicality and fun guaranteed to appeal to today’s young woman.Study after study shows that women are far happier discussing virtually anything else but bank balances, and this lack of confidence in openly discussing money matters is crippling the female population financially. Women negotiate less in salary discussions, are excessively cautious and risk averse when it comes to investing and lack the general awareness around how to optimise retirement savings to guarantee a comfortable retirement.With clear explanations and empowering text by experienced financial expert Davinia Tomlinson, you'll learn that establishing a positive relationship with money as an adult must be cultivated in childhood.Cash Is Queen e

This edited volume seeks to reassess the old and to analyse and develop novel approaches to the notion of proportionality in criminal matters and the new security architecture. The discourse is not limited to conventional constitutional constellations and standard problems of sentencing in traditional criminal proceedings. Rather, the book offers an interdisciplinary and cross-jurisdictional exploration of highly topical, proportionality-related issues pertinent to penal theory and legal philosophy, criminalisation policies, security and anti-terrorism strategies, alternative types of justice delivery, and supranational enforcement as well as human rights and international criminal and humanitarian law.In today’s global risk society, with its numerous visible and invisible enemies of the state and the individual, balancing freedom and security has become nothing less than an attempt at untying a Gordian knot. Against this background, the proportionality of measures of crime prevention

Newbery Medalist Avi brings us mud-caked, tent-filled San Francisco in 1848 with a willful heroine who goes on an unintended ― and perilous ― adventure to save her brother.Victoria Blaisdell longs for independence and adventure, and she yearns to accompany her father as he sails west in search of real gold! But it is 1848, and Tory isn’t even allowed to go to school, much less travel all the way from Rhode Island to California. Determined to take control of her own destiny, Tory stows away on the ship. Though San Francisco is frenzied and full of wild and dangerous men, Tory finds freedom and friendship there. Until one day, when Father is in the gold fields, her younger brother, Jacob, is kidnapped. And so Tory is spurred on a treacherous search for him in Rotten Row, a part of San Francisco Bay crowded with hundreds of abandoned ships. Beloved storyteller Avi is at the top of his form as he ushers us back to an extraordinary time of hope and risk, brought to life by a heroine readers

This first-of-its-kind handbook offers crucial information on the safety of drugs taken during pregnancy. It covers an exhaustive list of common and less common drugs and provides for each drug the FDA letter categorization and newly approved "Pregnancy and Lactation Labeling Rule (PLLR)" systems for rating drug risks in pregnancy, imposed by the U.S. Food and Drug Administration (FDA). Drugs in Pregnancy: A Handbook for Pharmacists and Physicians covers the pregnancy ramifications of using anti-infective, cardiovascular, hematologic, dermatologic drugs and drugs affecting the endocrine, central, autonomic, gastrointestinal, musculoskeletal systems in addition to herbs, vitamins and dietary supplements. To enable the reader to develop well-informed knowledge about a drug safety profile during pregnancy, three sections of data have been provided for each drug: FDA Category, Risk Summary, and Further Reading.

A new nuclear arms race is underway between Russia and the United States, one that focuses on the technology of delivery of nuclear warheads. This book describes how and why this race is happening, who still possesses nuclear weapons, and what constraints apply to those weapons under international law. A global nuclear ban treaty entered into force in January 2021, but the nuclear powers kept distant. The last remaining treaty restraining the arsenals of the two nuclear superpowers will expire in less than five years' time and the risk is that other States will turn to nuclear arms for their defence, further fracturing the non-proliferation regime installed after the Cuban missile crisis.

Stubborn, lethal, and from Jersey...what more could a Viking warrior want from his woman?Neecy Lawrence, winged warrior for a Viking Goddess, doesn't know what to do with a nice guy. Most days she's barely polite, much less nice. But Raven leader and loyal Odin warrior Will Yager isn't just nice. He's gorgeous, hot, and determined to have Neecy in his bed and his life until Ragnarok comes.It's just too bad Neecy is the most difficult woman Yager has ever known. Second in command to the Crows, a violent band of rowdy warrior women, Neecy's only concerns are keeping her "girls" safe and making up for a past she can't outrun. As far as she's concerned, Yager is nothing but a distraction she can't afford to deal with.But Yager wants Neecy. In fact, he's wanted her for a long time. Not just for a night, but forever. And like any self-respecting Viking, Yager will risk everything to get the one woman who makes his warrior life more than worth it.

Why do so many Turkish migrants choose to make their fortune in America when the proximity of Europe makes it a less costly risk? Here Lisa DiCarlo offers us new insights into the study of identity an

Edited collections are widely supposed to contain lesser work than scholarly journals; to be incoherent as volumes, no more than the sum of their parts; and to be less visible to potential readers once published. It is also often taken as axiomatic that those who make decisions in relation to hiring, promotion, tenure, and funding do so agree. To publish in or edit an essay collection is thought to risk being penalised for the format before even a word is read. After examining the origins of this critique, this Element explores the modern history of the edited collection and the particular roles it has played. It examines each component part of the critique, showing that they are either largely unfounded or susceptible of solution. It proposes the edited collection as a model of one possible idea of scholarly community: collaboration, trust, and mutual obligation in pursuit of a wider good.

Total intravenous anaesthesia (TIVA) is an innovative alternative to traditional inhalational anaesthesia. Often incorrectly perceived as overly complex, TIVA has numerous advantages over inhalational drugs, such as a lower risk of nausea, less pain and better cognitive recovery. Taking on TIVA is a practical, easy to read and engaging guide to TIVA. It demystifies this important technique and will empower the novice but also support more experienced practitioners. It is a clear step-by-step approach to treating everything from routine elective to paediatric, geriatric, obese and pregnant patients. Pharmacokinetic models, dosage calculations, and the use of TIVA in emergency medicine are also elucidated. Written by international experts in the field with many years of experience both conducting and teaching TIVA, this handbook is an essential resource for experienced and novice anaesthetists alike who want to improve their understanding and confidence with the technique.