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Enough Bull
by David TrahairThe one book your bank REALLY does not want you to read.More than ever before, Canadians are frightened and stressed out about their retirement and financial future. With the mortgage, car payments and credit card bills, there never seems to be enough to pay the current bills let alone save thousands in RRSPs. At the same time, the large financial institutions are bombarding us with fearful messages of destitution unless we maximize our RRSP contributions.The stock market crash of 2008 has proven one thing: traditional retirement planning advice simply doesn't work. The risks are too enormous. Throwing money into RRSPs and trusting the stock market is like gambling with your family's future. But how do you plan for retirement without risking everything? In Enough Bull, David Trahair explains:How to invest only in 100% safe investments that will never declineHow to get out of mutual funds and the stock market - foreverThe "Tax Turbo-Charged RRSP strategy" - why you should wait until you are over 50 to start your RRSPExactly what age to elect to receive the CPP pensionHow to avoid the scams that lead to personal financial disasterEasy to understand and simple to apply, Enough Bull shows Canadians how to avoid all the traps and why doing the exact opposite of what they have been told will leave them much further ahead.www.enoughbull.ca
Enough Bull: How to Retire Well without the Stock Market, Mutual Funds, or Even an Investment Advisor
by David TrahairThe one book your bank REALLY does not want you to read. More than ever before, Canadians are frightened and stressed out about their retirement and financial future. With the mortgage, car payments and credit card bills, there never seems to be enough to pay the current bills let alone save thousands in RRSPs. At the same time, the large financial institutions are bombarding us with fearful messages of destitution unless we maximize our RRSP contributions. The stock market crash of 2008 has proven one thing: traditional retirement planning advice simply doesn't work. The risks are too enormous. Throwing money into RRSPs and trusting the stock market is like gambling with your family's future. But how do you plan for retirement without risking everything? In Enough Bull, David Trahair explains: How to invest only in 100% safe investments that will never decline How to get out of mutual funds and the stock market - forever The "Tax Turbo-Charged RRSP strategy" - why you should wait until you are over 50 to start your RRSP Exactly what age to elect to receive the CPP pension How to avoid the scams that lead to personal financial disaster Easy to understand and simple to apply, Enough Bull shows Canadians how to avoid all the traps and why doing the exact opposite of what they have been told will leave them much further ahead. www.enoughbull.ca
Enough Is Enough: Building a Sustainable Economy in a World of Finite Resources
by Rob Dietz Daniel W. O’NeillIt’s time for a new kind of economy We’re overusing the earth’s finite resources, and yet excessive consumption is failing to improve our lives. In Enough Is Enough, Rob Dietz and Dan O’Neill lay out a visionary but realistic alternative to the perpetual pursuit of economic growth—an economy where the goal is not more but enough. They explore specific strategies to conserve natural resources, stabilize population, reduce inequality, fix the financial system, create jobs, and more—all with the aim of maximizing long-term well-being instead of short-term profits. Filled with fresh ideas and surprising optimism, Enough Is Enough is the primer for achieving genuine prosperity and a hopeful future for all. “Humans seem to be intent on confirming the argument of biologist Ernst Mayr that higher intelligence may be a lethal mutation. But the grim prognosis is not inevitable. This lucid, informed, and highly constructive book shows that with the will to act, solutions can be found to build a steady-state economy geared to meeting human needs.” —Noam Chomsky “Rob Dietz and Dan O’Neill bring clarity and style to their impassioned and meticulous analysis, offering the way to a better quality of life and a sustainable future for all.” —Kate Pickett, Professor of Epidemiology, University of York; cofounder, The Equality Trust; and coauthor of The Spirit Level “Dietz and O’Neill create a remarkable vision—a world with enough prosperity and happiness for everyone, not just for a few. This book will restore your hope in the future and give you specific things you can do to help!” —Thom Hartmann, internationally syndicated talk show host and author of twenty-four books
Enough: Discovering Joy Through Simplicity and Generosity
by Adam Hamilton'Tis the gift to be simple, 'tis the gift to be free. - 9th-century Shaker song. Money has great power in our lives and, when used wisely, helps us meet our goals, provide for our needs, and fulfill our life purpose. But in recent years, many of us ignored this when managing and spending our money. We found ourselves spending tomorrow's money today. The result of all of this was not greater happiness and satisfaction, but greater stress and anxiety. Enough is an invitation to rediscover the Bible's wisdom on prudent financial practices. Find the keys to experiencing contentment, overcoming fear, and discovering joy through simplicity and generosity. This book could change your life by changing your relationship with money.
Enough: True Measures of Money, Business, and Life
by John C. BogleBogle founded Vanguard Mutual Fund Group in 1974 and is considered one of the country's financial legends by magazines such as Fortune and Time. In this text, he argues that the ongoing greed infecting America's financial system and corporate world is about more than just money--not knowing what enough is has also corrupted professional values. Inspired by hundreds of lectures he has delivered to professional groups and college students in recent years, Bogle presents a collection of essays examining what constitutes "enough" in the world of money, business, and life, and calls for a return to core values. Annotation ©2009 Book News, Inc., Portland, OR (booknews.com)
Enough: Why the World's Poorest Starve in an Age of Plenty
by Scott Thurow Roger KilmanFor more than thirty years, humankind has known how to grow enough food to end chronic hunger worldwide. Yet in Africa, more than 9 million people every year die of hunger, malnutrition, and related diseases every year--most of them children. In this powerful investigative narrative, Wall Street Journal reporters Kilman & Thurow show exactly how, in the past few decades, Western policies conspired to keep Africa hungry and unable to feed itself. Enough is essential reading on a humanitarian issue of utmost urgency.
Enpara.com: Digital Bank at a Crossroad
by Sunil Gupta Eren KuzucuIn March 2017, Elsa Pekmez Atan (MBA 2004), was wondering about the future of Enpara.com, a digital-only banking platform of QNB Finansbank. Since its launch in October 2012, Enpara had been successful in attracting over 600,000 customers by appealing to digital savvy, middle-class customers that QNB Finansbank was lacking for a long time. By the end of 2016, it accounted for 16% of QNB Finansbank's deposits. With the support of the top management, Atan was able to run Enpara as an independent company. However, as Enpara grew there were increasing pressures to integrate with the parent company. While Atan believed that this would destroy the unique culture and positioning of Enpara, senior management was wondering whether to spin it off or merge it with the parent company.
Enpara.com: Digital Bank at a Crossroad
by Sunil Gupta Eren KuzucuIn March 2017, Elsa Pekmez Atan (MBA 2004), was wondering about the future of Enpara.com, a digital-only banking platform of QNB Finansbank. Since its launch in October 2012, Enpara had been successful in attracting over 600,000 customers by appealing to digital savvy, middle-class customers that QNB Finansbank was lacking for a long time. By the end of 2016, it accounted 16% of QNB Finansbank's deposits. With the support of the top management, Atan was able to run Enpara as an independent company. However, as Enpara grew there were increasing pressures to integrate with the parent company. While Atan believed that this would destroy the unique culture and positioning of Enpara, senior management was wondering whether to spin it off or merge it with the parent company.
Enrich Your Future: The Keys to Successful Investing
by Larry E. SwedroeCreate a winning portfolio by understanding the realities of modern investing In Enrich Your Future: The Keys to Successful Investing, prolific author and investor Larry Swedroe shines light on the foundation of modern investing, enabling readers to create winning portfolios through simple yet effective strategies. Through a combination of analogies, personal anecdotes, and empirical evidence from peer reviewed journals, the book clearly explains how to play the winner’s game, instead of simply following the crowd, speculating, and making brokers and fund families wealthy in the process. The book begins by first explaining how to put your portfolio on the right path, then how to keep a steady course during market uncertainty, when many investors fall victim to human nature, lose perspective, and make incorrect investment decisions based on fear and greed. In this book, readers will learn: How prices of securities are established and why it's so difficult to outperform on a risk-adjusted basis How to navigate various key decision points when designing your portfolio How to develop a conceptually sound investment strategy and reach your financial goals faster How playing the winner’s game in investing will improve the quality of your life as well. Revealing the true nature of the modern financial market and changing the way readers approach investing in general, Enrich Your Future: The Keys to Successful Investing is an essential guide for individual investors and financial advisors seeking to make more informed and prudent investment decisions.
Enriching Higher Education Students' Learning through Post-work Placement Interventions (Professional and Practice-based Learning #28)
by Denise Jackson Stephen Billett Janice Orrell Faith Valencia-ForresterThis edited volume offers a range of insights about, practices of, and findings associated with, enrichening higher education students’ learning by their engagement in educational processes during and after the completion of their work integrated education experiences. That is, using post-practicum intervention to augment and enrich those learning experiences. The collected contributions here draw on the processes of trialling and evaluating educational processes that aimed to enrich the work integrated education experiences for purposes of improving students’ understandings, abilities to address workplace and occupational requirements. These processes and findings from these processes across a range of disciplinary fields including pharmacy, psychology, physiotherapy, service learning, occupational therapy, journalism and business students education speak directly to educators in both workplace and educational settings across a range of occupational sectors. These messages, which arise from educators and practitioners enacting and evaluating these interventions, offer practical suggestions as well as conceptual advances. The reach of the accounts of processes, findings and evaluations is not restricted to the occupational fields in which the interventions occurred. The lessons provided through this edited volume are intended to inform how post-practicum interventions might be enacted across a range of occupational studies.
Enriching Lives
by Bangyan FengInsurance is one of Hong Kong's oldest industries. In the nineteenth century the lucrative trade between China and Europe carried many risks - piracy, warfare, fire, loss of goods, and other mishaps. Dozens of different insurance firms - some home-grown, others imported - established themselves in the colony to protect ships and their cargoes. With the diversification of Hong Kong's economy into manufacturing and services, and the development of life and health insurance policies, Hong Kong became a global centre of insurance. The industry continues to transform itself today through changing practices and new lines of business. This is the first comprehensive history of Hong Kong's insurance industry, and argues its central importance in the economy. Typhoons, shipwrecks, fires, wars, political turbulence and unexpected events of all kinds provide a dramatic background to a fascinating survey. The book is richly illustrated with photographs and documents.
Enron Ascending: The Forgotten Years, 1984-1996
by Robert L. Bradley Jr.A great fall cannot be understood apart from the rise that preceded it. Enron Ascending is the only book to date that examines in detail the first two-thirds of that iconic energy company’s life. Thus, it is the only book to date that exposes the deepest causes of Enron’s stunning collapse. Nobel economist Paul Krugman predicted that history would look upon Enron’s plummet as a greater turning point than the fall of the Twin Towers. Enron Ascending explains the shock of the company’s fall by recalling the astounding achievements of Enron’s birth, childhood, adolescence, and early maturity. It sets forth the once-celebrated but now-forgotten industry and innovation that caused the company and its reputation to soar stratospherically. At the same time, always conscious of the company’s fate, the book highlights throughout the developing habits of thought and behavior that later evolved into self-destructive acts of desperation and deceit. Written fifteen years after the firm’s demise, Enron Ascending offers the long perspective of a uniquely positioned insider, Robert L. Bradley, Jr., the company’s director of public-policy analysis and Chairman Ken Lay’s personal speechwriter. The book also offers a library of previously unavailable information, drawn from Bradley’s innumerable corporate documents and unrepeatable interviews, which he collected in his capacity as the company’s prospective historian. Most important, however, Enron Ascending offers an antidote to the unending stories, studies, and books about Enron that are presented as just-the-facts but are in reality shaped decisively by the worldview of their authors. Bradley shows, beyond dispute, that the early habits which set precedents for Enron’s history-making demise were directly contrary to the free-market behaviors and capitalist attitudes generally blamed for Enron’s fall.
Enron Corp.: Credit Sensitive Notes
by Sanjiv Das Stephen LynaghThis case investigates an innovative bond issue by Enron. The coupon on the bond is indexed to the company's credit rating, making it a credit derivative structure.
Enron Corp.: May 6, 2001 Sell Recommendation
by Jacob Cohen David F. HawkinsA consulting firm to institutional investors recommends selling Enron Corp.'s equity short on May 6, 2001, while many sellside analysts are recommending the stock as a "buy."
Enron Development Corp.: The Dabhol Power Project in Maharashtra, India (A)
by Krishna G. Palepu V. Kasturi Rangan Mihir A. Desai Sarayu Srinivasan Anu BhasinA large, lucrative power plant is negotiated for construction/operation by an American power company in India's evolving privatized power sector. The process of incorporating the project is captured in this case. The American company will own and operate the plant in India, which will sell power to India.
Enron Development Corp.: The Dabhol Power Project in Maharashtra, India (A) (Abridged)
by Louis T. Wells Jr.A large, lucrative power plant is negotiated for construction/operation by an American power company in India's evolving privatized power sector. The process of incorporating the project is captured in this case. The American company will own and operate the plant in India, which will sell power to India.
Enron Development Corp.: The Dabhol Power Project in Maharashtra, India (B)
by Krishna G. Palepu V. Kasturi Rangan Sarayu SrinivasanA new administration/government takes power in a state in India and cancels a power project agreed upon/created by the previous state government and an American-based energy company. The project cancellation is based on allegations of irregularities, exorbitant costs, and political pressures.
Enron Development Corp.: The Dabhol Power Project in Maharashtra, India (C)
by Krishna G. Palepu V. Kasturi Rangan Sarayu SrinivasanDiscusses the resolution of the canceled power project in Maharashtra. The contract between the American gas giant and Indian state government is renegotiated.
Enron Gas Services
by Peter Tufano Sanjay BhatnagarThe CEO of Enron Gas Services (EGS), a subsidiary of the largest U.S. integrated natural gas firm, considers the risks and opportunities of selling a variety of natural gas derivatives, both embedded in gas delivery contracts and as free-standing financial contracts. In its three years of existence, EGS had been successful by offering buyers and sellers of natural gas a variety of innovative pricing contracts. In order to mitigate the risks of having mismatch between its commitments to buy and sell gas, EGS established a system to decompose all of its commitments into a handful of different risks of exposures. Its centralized risk-management group not only measures the firm's exposures but also enters into financial contracts to offset the exposure brought about by the firm's business activities.
Enron Odyssey (A): The Special Purpose of "SPEs"
by George Chacko Eli Peter Strick Bala DharanThe board has asked Ron Tolbert, an employee in the Risk Assessment and Control Group, to analyze three SPE transactions executed by Enron executives: the Destec, Rhythms, and Fishtail/Bacchus transactions, which were prominently featured in the Examiner's Report in the ensuing Enron bankruptcy. Tolbert's job is to assess why Enron used SPEs for these transactions, whether risk was successfully transferred off the balance sheet, and whether risk transfer was the only motivation.
Ensemble Methods: Foundations and Algorithms (Chapman & Hall/CRC Machine Learning & Pattern Recognition)
by Zhi-Hua ZhouAn up-to-date, self-contained introduction to a state-of-the-art machine learning approach, Ensemble Methods: Foundations and Algorithms shows how these accurate methods are used in real-world tasks. It gives you the necessary groundwork to carry out further research in this evolving field.After presenting background and terminology, the book cover
Ensemble Methods: Foundations and Algorithms (Chapman & Hall/CRC Machine Learning & Pattern Recognition)
by Zhi-Hua ZhouEnsemble methods that train multiple learners and then combine them to use, with Boosting and Bagging as representatives, are well-known machine learning approaches. It has become common sense that an ensemble is usually significantly more accurate than a single learner, and ensemble methods have already achieved great success in various real-world tasks.Twelve years have passed since the publication of the first edition of the book in 2012 (Japanese and Chinese versions published in 2017 and 2020, respectively). Many significant advances in this field have been developed. First, many theoretical issues have been tackled, for example, the fundamental question of why AdaBoost seems resistant to overfitting gets addressed, so that now we understand much more about the essence of ensemble methods. Second, ensemble methods have been well developed in more machine learning fields, e.g., isolation forest in anomaly detection, so that now we have powerful ensemble methods for tasks beyond conventional supervised learning.Third, ensemble mechanisms have also been found helpful in emerging areas such as deep learning and online learning. This edition expands on the previous one with additional content to reflect the significant advances in the field, and is written in a concise but comprehensive style to be approachable to readers new to the subject.
Ensighten
by Michael J. Roberts Lena G. GoldbergFocuses on a small start-up software company engaged in a negotiation over its software licensing agreement with a very large potential client. The entrepreneur must weigh legal and business issues versus his desire to land the key customer.
Ensuring America's Health
by Christy Ford ChapinEnsuring America's Health explains why the US health care system offers world-class medical services to some patients but is also exceedingly costly with fragmented care, poor distribution, and increasingly bureaucratized processes. Based on exhaustive historical research, this work traces how public and private power merged to favor a distinctive economic model that places insurance companies at the center of the system, where they both finance and oversee medical care. Although the insurance company model was created during the 1930s, it continues to drive health care cost and quality problems today. This wide-ranging work not only evaluates the overarching political and economic framework of the medical system but also provides rich narrative detail, examining the political dramas, corporate maneuverings, and forceful personalities that created American health care as we know it. This book breaks new ground in the fields of health care history, organizational studies, and American political economy.