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Do you seek financial security and freedom from worrying about money? In an uncertain and increasingly complex world, you would be forgiven for being as worried about your finances as your health. With a bewildering amount of financial jargon, an overwhelming number of investment choices, and often conflicting advice, it is no wonder you may be left grappling with uncertainty and confusion about making sound financial plans and rational investment decisions. With over 30 years of experience as a financial advisor and mentor, Michael Aitken has long been an expert guiding light for people just like you. In this book, he unveils the four fundamental pillars of financial wellbeing and leads you...
Like other groups with dangerous occupations, mariners have developed a close-knit culture bound by loss and memory. Death regularly disrupts the fabric of this culture and necessitates actions designed to mend its social structure. From the ritual of burying a body at sea to the creation of memorials to honor the missing, these events tell us a great deal about how sailors see their world. Based on a study of more than 2,100 gravestones and monuments in North America and the United Kingdom erected between the seventeenth and late twentieth centuries, David Stewart expands the use of nautical archaeology into terrestrial environments. He focuses on those who make their living at sea--one of the world's oldest and most dangerous occupations--to examine their distinct folkloric traditions, beliefs, and customs regarding death, loss, and remembrance.
This research attempts to evaluate nitrification treatment performance in combined carbon/nitrogen municipal wastewater reactors using traditional physical/chemical methods and modern molecular techniques. Bench scale activated sludge reactors were operated at different SRTs under varying DO levels and temperatures over a 21-month period. Real-time PCR assays were used to determine cell concentrations of total bacterial 16S rDNA, a gross measure of biomass content, the amoA gene, a measure of ammonia-oxidizing bacteria (AOB), and the Nitrospira 16S rDNA gene, a measure of nitrite-oxidizing bacteria (NOB). As expected, gravimetric biomass and total bacterial 16S rDNA levels increased with inc...
An historical, empirical, doctrinal and comparative case study of how a former British colony became China's international financial centre.
This new book provides a theoretical and practical guide to analysis of variance (ANOVA) for those who have not had a formal course in this technique, but need to use this analysis as part of their research. From their experience in teaching this material and applying it to research problems, the authors have created a summary of the statistical theory underlying ANOVA, together with important issues, guidance, practical methods, references, and hints about using statistical software. These have been organized so that the student can learn the logic of the analytical techniques but also use the book as a reference guide to experimental designs, realizing along the way what pitfalls are likely to be encountered.
Mathematics for Biological Scientists is a new undergraduate textbook which covers the mathematics necessary for biology students to understand, interpret and discuss biological questions. The book's twelve chapters are organized into four themes. The first theme covers the basic concepts of mathematics in biology, discussing the mathematics used in biological quantities, processes and structures. The second theme, calculus, extends the language of mathematics to describe change. The third theme is probability and statistics, where the uncertainty and variation encountered in real biological data is described. The fourth theme is explored briefly in the final chapter of the book, which is to show how the 'tools' developed in the first few chapters are used within biology to develop models of biological processes. Mathematics for Biological Scientists fully integrates mathematics and biology with the use of colour illustrations and photographs to provide an engaging and informative approach to the subject of mathematics and statistics within biological science.
Sharpen your understanding of the financial markets with this incisive volume Equity Markets, Valuation, and Analysis brings together many of the leading practitioner and academic voices in finance to produce a comprehensive and empirical examination of equity markets. Masterfully written and edited by experts in the field, Equity Markets, Valuation, and Analysis introduces the basic concepts and applications that govern the area before moving on to increasingly intricate treatments of sub-fields and market trends. The book includes in-depth coverage of subjects including: · The latest trends and research from across the globe · The controversial issues facing the field of valuation and the future outlook for the field · Empirical evidence and research on equity markets · How investment professionals analyze and manage equity portfolios This book balances its comprehensive discussion of the empirical foundations of equity markets with the perspectives of financial experts. It is ideal for professional investors, financial analysts, and undergraduate and graduate students in finance.
A deliciously unpretentious guide to understanding wine and finding ones you’ll love. Why is wine so difficult? It might be because those in the industry have long used ridiculous tasting notes to describe wine, even though these descriptions fail to encapsulate all that a wine offers. Notes of blackberries, tobacco, and leather . . . How does this odd list help you decide if you will like a wine? Wine Hack offers a new way forward. Learn wine like the true professionals learn wine. Spoiler: lots of tasting! This interactive book asks you to taste along, with everyday food, drinks, and widely available wines, to learn the four attributes that describe all wines, and even learn a few tricks for pairing wine with food. This is the first book on wine that starts with your mouth, not your head. Teach your mouth about wine and you will learn to find wines you love on a regular basis, no matter how snooty that wine shop guy is.