Minggu, 31 Maret 2013

Published Maret 31, 2013 by with 0 comment

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Why I Stayed, the Choices I Made in My Darkest HourBy Gayle Haggard with Angela Hunt

  • Published on: 2010
  • Binding: Hardcover

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Selasa, 12 Maret 2013

Published Maret 12, 2013 by with 0 comment

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


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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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Hidden in Plain Sight: What Really Caused the WorldÂ’s Worst Financial Crisis and Why It Could Happen Again, by Peter J. Wallison PDF
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Senin, 11 Maret 2013

Published Maret 11, 2013 by with 0 comment

Download Ebook Ayurvedic Herbology East & West: An Ayurvedic Approach to Medicinal HerbsBy Vishnu Dass

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Ayurvedic Herbology East & West is a comprehensive and practical guide to Ayurvedic herbal medicine that focuses on traditional Ayurvedic herbs and formulas that are readily available in the west. Immportantly, it is one of the first books to categorize commonly used Western medicinal plants with Ayurvedic herbal energetics.

  • Sales Rank: #951221 in Books
  • Published on: 2013-11-07
  • Original language: English
  • Number of items: 1
  • Dimensions: 8.79" h x .73" w x 5.95" l, 1.05 pounds
  • Binding: Paperback
  • 352 pages

Review
"This wonderful, practical book is one of the masterpieces of Ayurvedic herbology. Vishnu Dass has covered many subtle topics in this quite scholarly work. In a true sense, this is an integrated work, both for Eastern and Western herbalists. This book breathes the life of practical Ayurvedic principles, methodology, pharmaceutical and pharmacological actions."
-Dr. Vasant Lad

"Ayurvedic Herbology East and West is a comprehensive and detailed study nto only of Ayurvedic herbology but of Ayurvedic medicine itself, excellent for all students of herbs and an important new contribution in the field."
David Frawley, author of Yoga & Ayurveda

"Ayurvedic Herbology is a well-written and valuable addition to the herbal library of any practitioner. Many unique herbs are included as well as the author's personal experience with home remedies."
• -Dr. Marc Halpern, Author of Healing Your Life: Lessons on the Path of Ayurveda and President of the California College of Ayurveda

About the Author
Vishnu Dass is an Ayurvedic practitioner and herbalist and the owner and director of Blue Lotus Ayurveda. He received his training under the guidance of Dr. Vasant Lad and is a graduate of the Ayurvedic Institute in Albuquerque, NM. Having served on the board of directors for the National Ayurvedic Medical Association, he remains an honorary lifetime practitioner member. He teaches extensively on Ayurveda and Yoga philosophy for schools of clinical herbalism as well as Yoga retreat centers and teacher training programs. His knowledge in both Eastern and Western herbal traditions combined with years of clinical practice comes together in his practical and inspired writing. He lives in Asheville, NC

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Jumat, 08 Maret 2013

Published Maret 08, 2013 by with 0 comment

Free Download Na cama com o diabo (Romance erótico da era vitoriana) (Portuguese Edition)By Cathryn de Bourgh

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Na cama com o diabo (Romance erótico da era vitoriana) (Portuguese Edition)By Cathryn de Bourgh

Lady Sophie está com medo: voltou para casa depois de fugir com seu amante escocês e só quer viver em paz em Hampshire e deixar der ser a ovelha negra da família.
Mas Sir Thomas de Winsbrough, o pretendente que ela abandonou as portas do altar, não lhe dará paz. Não estando disposto a perdoar planeja uma vingança! Um plano secreto contra a garota que partiu seu coração há mais de quatro anos. Ele não a deixaria escapar e deveria se tornar sua esposa. Avisou que a ela que nunca poderia negar seus abraços ou a deixaria amarrada em sua cama.
Logo a noiva inexperiente vai saber que está dormindo com o diabo e se submeteria a todos e cada um de seus desejos.
Mas Sir Thomas não só anseia vingança, mas também desfrutar de sua presa, e não vai descansar até tê-la completamente presa a sua paixão.
Mas o diabo nessa história tem um ponto fraco: é ela, sua esposa cativa e submetida aos seus desejos, e ver como o seu desafio vai inspirar o amor novamente como no passado.

Trecho do livro:

Sophie começou a chorar nervosa. Esse homem não a soltava, não a deixava em paz, não era seu antigo prometido, era um demônio e só queria lhe fazer dano.
—Me perdoe, por favor, sei que não o merecia você era um cavalheiro bom então… Não ri de você… Mas amava George.
Ela se afastou para a porta e quis correr, teve o impulso de fazê-lo, mas encontrou a porta fechada.
—Não poderá escapar lady Sophie, passará a noite comigo e todos saberão… Seu amado reverendo não quererá vê-la nunca mais e não poderá casar-se com ninguém. Será minha vingança. Tanto esperei este momento — disse olhando seus lábios e seu estreito talhe.
Mas não a teria nesse salão, a levaria a um quarto contiguo.
Ela correu e resistiu, mas essa noite estava possuído pelo diabo e não se deteria. Já não lhe importava que se negasse, deveu supor que não cederia a seus desejos.
Sophie gritou e chorou, mas esse homem era forte como um touro e a atirou na cama onde amarrou suas mãos e começou a despir-se lentamente. Tirou-se a camisa e a atirou ao piso.
Viu o peito largo e seu coração pulsando muito depressa e seu olhar cheio de ódio e desejo.
Isso não podia estar passando, era um pesadelo.
Jamais deveria ter ido a sua casa, que tola tinha sido! Tinha caído em uma armadilha! Esse homem tinha mudado, seu abandono o tinha convertido nesse ser odioso, imensamente perverso e vingativo.
—Por favor, não pode fazer isto, não o faça… — suplicou.
Ele se aproximou e tirou as ataduras que amarravam suas mãos.
Acreditou que se arrependeu, que um milagre o tinha feito voltar em si. Mas se equivocava. Liberou-a para que pudesse correr e descobrisse que a porta estava trancada e não tinha saída. E ao estar de costas rompeu seu espartilho e seu vestido deixando-a semidesnuda com seu vestido ligeiro enquanto beijava seu pescoço e pressionava sua imensa vara contra suas nádegas.
—Tranquila preciosa, isto pode ser prazenteiro para ambos, não quero machucá-la… Só ter o que deveria ser meu faz anos, seu corpo… Tanto sonhei fazendo-a minha essa noite Sophie…—lhe disse ao ouvido.
Respirava com dificuldade e a olhava com desejo. Suas mãos se detiveram em seus seios e tirou a camisa que os cobriam e o espartilho para beijá-los faminto. Era inútil resistir e sabia, fechou os olhos e o suportou tudo, estava exausta de lutar e lhe doíam os braços.
—Abra os olhos lady Sophie, quero que me veja e não a seu apaixonado reverendo—ordenou.

  • Sales Rank: #2558692 in eBooks
  • Published on: 2014-02-08
  • Released on: 2014-02-08
  • Format: Kindle eBook

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Minggu, 03 Maret 2013

Published Maret 03, 2013 by with 0 comment

Ebook Download GRIP - Develop bone crushing hand, finger, and forearm strengthBy Ashley Kalym

Ebook Download GRIP - Develop bone crushing hand, finger, and forearm strengthBy Ashley Kalym

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GRIP - Develop bone crushing hand, finger, and forearm strengthBy Ashley Kalym

Grip training is one of the most undertrained aspects of many peoples training, and as such their entire routine suffers as a result.

The ability to hold onto barbells, dumbbells, or other competitors is vital if you want to achieve your athletic potential, whether that is powerlifting, bodybuilding, or sports that rely on huge grip strength, such as Rugby or Judo.

This eBook shows you how to develop all round grip strength, including exercises for the fingers, hands, wrists, and forearms.

Don't let your grip be the weak link in your chain, and start developing a bone-crushing grip right now!

  • Sales Rank: #172367 in eBooks
  • Published on: 2013-02-06
  • Released on: 2013-02-06
  • Format: Kindle eBook

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Jumat, 01 Maret 2013

Published Maret 01, 2013 by with 0 comment

Get Free Ebook Diagnostic Medical Sonography: A Guide to Clinical Practice Abdomen and Superficial Structures, 3rd Edition Textbook and Workbook Package

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Diagnostic Medical Sonography is the most in-depth, appropriate textbook to cover abdominal ulatrasound. Beginning with core anatomy topics, this text is aimed at providing a thorough understanding of this crucial topic, giving it the attention it deserves, and students and faculty the support they want.

Accompanied by a workbook full of additional activities and practice, this set of resources contains all of the tools to help students effectively master their advanced sonography courses. Both titles come with online resources to create a rich, dynamic suite of learning tools.

  • Sales Rank: #17029546 in Books
  • Published on: 2016-02-05
  • Original language: English
  • Number of items: 1
  • Dimensions: .0" h x .0" w x .0" l, .0 pounds
  • Binding: Hardcover
  • 860 pages

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