Senin, 29 Agustus 2011

[I178.Ebook] Get Free Ebook Understanding the Mathematics of Personal Finance: An Introduction to Financial Literacy, by Lawrence N. Dworsky

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Understanding the Mathematics of Personal Finance: An Introduction to Financial Literacy, by Lawrence N. Dworsky

Understanding the Mathematics of Personal Finance: An Introduction to Financial Literacy, by Lawrence N. Dworsky



Understanding the Mathematics of Personal Finance: An Introduction to Financial Literacy, by Lawrence N. Dworsky

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Understanding the Mathematics of Personal Finance: An Introduction to Financial Literacy, by Lawrence N. Dworsky

A user-friendly presentation of the essential concepts and tools for calculating real costs and profits in personal finance

Understanding the Mathematics of Personal Finance explains how mathematics, a simple calculator, and basic computer spreadsheets can be used to break down and understand even the most complex loan structures. In an easy-to-follow style, the book clearly explains the workings of basic financial calculations, captures the concepts behind loans and interest in a step-by-step manner, and details how these steps can be implemented for practical purposes. Rather than simply providing investment and borrowing strategies, the author successfully equips readers with the skills needed to make accurate and effective decisions in all aspects of personal finance ventures, including mortgages, annuities, life insurance, and credit card debt.

The book begins with a primer on mathematics, covering the basics of arithmetic operations and notations, and proceeds to explore the concepts of interest, simple interest, and compound interest. Subsequent chapters illustrate the application of these concepts to common types of personal finance exchanges, including:

  • Loan amortization and savings

  • Mortgages, reverse mortgages, and viatical settlements

  • Prepayment penalties

  • Credit cards

The book provides readers with the tools needed to calculate real costs and profits using various financial instruments. Mathematically inclined readers will enjoy the inclusion of mathematical derivations, but these sections are visually distinct from the text and can be skipped without the loss of content or complete understanding of the material. In addition, references to online calculators and instructions for building the calculations involved in a spreadsheet are provided. Furthermore, a related Web site features additional problem sets, the spreadsheet calculators that are referenced and used throughout the book, and links to various other financial calculators.

Understanding the Mathematics of Personal Finance is an excellent book for finance courses at the undergraduate level. It is also an essential reference for individuals who are interested in learning how to make effective financial decisions in their everyday lives.

  • Sales Rank: #1465976 in Books
  • Published on: 2009-10-05
  • Released on: 2009-09-16
  • Original language: English
  • Number of items: 1
  • Dimensions: 9.33" h x .47" w x 6.24" l, .80 pounds
  • Binding: Paperback
  • 264 pages

From the Back Cover
A user-friendly presentation of the essential concepts and tools for calculating real costs and profits in personal finance

Understanding the Mathematics of Personal Finance explains how mathematics, a simple calculator, and basic computer spreadsheets can be used to break down and understand even the most complex loan structures. In an easy-to-follow style, the book clearly explains the workings of basic financial calculations, captures the concepts behind loans and interest in a step-by-step manner, and details how these steps can be implemented for practical purposes. Rather than simply providing investment and borrowing strategies, the author successfully equips readers with the skills needed to make accurate and effective decisions in all aspects of personal finance ventures, including mortgages, annuities, life insurance, and credit card debt.

The book begins with a primer on mathematics, covering the basics of arithmetic operations and notations, and proceeds to explore the concepts of interest, simple interest, and compound interest. Subsequent chapters illustrate the application of these concepts to common types of personal finance exchanges, including:

  • Loan amortization and savings

  • Mortgages, reverse mortgages, and viatical settlements

  • Prepayment penalties

  • Credit cards

  • Present value

  • Comparing loans

  • Taxation and inflation

  • Investing, risk, and return

  • Gambling�

The book provides readers with the tools needed to calculate real costs and profits using various financial instruments. Mathematically inclined readers will enjoy the inclusion of mathematical derivations, but these sections are visually distinct from the text and can be skipped without the loss of content or complete understanding of the material. In addition, references to online calculators and instructions for building the calculations involved in a spreadsheet are provided. Furthermore, a related Web site features additional problem sets, the spreadsheet calculators that are referenced and used throughout the book, and links to various other financial calculators.

Understanding the Mathematics of Personal Finance is an excellent book for finance courses at the undergraduate level. It is also an essential reference for individuals who are interested in learning how to make effective financial decisions in their everyday lives.

About the Author
LAWRENCE N. DWORSKY, PhD, has previously served as a consultant for the Defense Advanced Research Projects Agency (DARPA), Littelfuse Corporation, HRL Laboratories, and Motorola, Inc., where he was a member of the Motorola Science Advisory Board. A Fellow of the Institute of Electrical and Electronic Engineers, Dr. Dworsky has written numerous journal articles and is the author of Probably Not: Future Prediction Using Probability and Statistical Inference, also published by Wiley.

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0 of 2 people found the following review helpful.
i understand
By john nicholson
i enjoy how this book explains personal finance without being just another book on how to make money which was difficult to find.

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Understanding the Mathematics of Personal Finance: An Introduction to Financial Literacy, by Lawrence N. Dworsky PDF
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Rabu, 24 Agustus 2011

[S768.Ebook] Free Ebook Student's Solutions Manual to accompany Principles of General Chemistry, by Martin Silberberg

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Student's Solutions Manual to accompany Principles of General Chemistry, by Martin Silberberg

Student's Solutions Manual to accompany Principles of General Chemistry, by Martin Silberberg



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Student's Solutions Manual to accompany Principles of General Chemistry, by Martin Silberberg

This supplement contains detailed solutions and explanations for all colored problems in the main text.

  • Sales Rank: #459601 in Books
  • Brand: Brand: McGraw-Hill Science/Engineering/Math
  • Published on: 2012-03-26
  • Original language: English
  • Number of items: 1
  • Dimensions: 10.80" h x .60" w x 8.50" l, 1.35 pounds
  • Binding: Paperback
  • 384 pages
Features
  • Used Book in Good Condition

About the Author
Martin S. Silberberg received his B.S. in chemistry from the City University of New York in 1966 and his Ph.D. in chemistry from the University of Oklahoma, in 1971. �He then accepted a research position at the Albert Einstein College of Medicine, where he studied the chemical nature of neurotransmission and Parkinson's disease. �In 1977, Dr. Silberberg joined the faculty of Simon's Rock College of Bard (Massachusetts), a liberal arts college known for its excellence in teaching small classes of highly motivated students. �As Head of the Natural Sciences Major and Director of Premedical Studies, he taught courses in general chemistry, organic chemistry, biochemistry, and nonmajors chemistry. �The close student contact afforded him insights into how students learn chemistry, where they have difficulties, and what strategies can help them succeed. �In 1983, Dr. Silberberg decided to apply these insights in a broader context and established a text writing and editing company. �Before writing his own text, he worked on chemistry, biochemistry, and physics texts for several major college publishers. �He resides with his wife and child in Massachusetts. �For relaxation, he cooks, sings, and walks in the woods.

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1 of 1 people found the following review helpful.
Five Stars
By TCOM
If you have a class that uses the main text, you definitely want the solutions manual

2 of 3 people found the following review helpful.
Good, but...
By Brian S.
Would've liked answers/steps to all the problems in the book, not just a few.
I do like that it goes through a problem step by step.

0 of 0 people found the following review helpful.
Five Stars
By Paul Kost
Really helped

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Senin, 22 Agustus 2011

[R991.Ebook] Ebook Free The Practice of Social Research (Available Titles CengageNOW), by Earl R. Babbie

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The Practice of Social Research (Available Titles CengageNOW), by Earl R. Babbie

Known as the gold standard of research methods texts, THE PRACTICE OF SOCIAL RESEARCH, 12th Edtion, is a comprehensive, straightforward introduction to the field of research as practiced by social scientists. This best-selling text emphasizes the research process by showing readers how to design research studies, introducing the various observation modes in use today, and answering questions about research methods--such as how to conduct online surveys and analyze both qualitative and quantitative data. THE PRACTICE OF SOCIAL RESEARCH provides the tools readers need to apply social research concepts inside the classroom and out, and as both researchers and consumers.

  • Sales Rank: #152985 in Books
  • Published on: 2009-02-03
  • Original language: English
  • Number of items: 1
  • Dimensions: 1.10" h x 7.20" w x 9.20" l, 2.40 pounds
  • Binding: Hardcover
  • 624 pages

Amazon.com Review

About This Edition

From the Publisher

New Features
  • Introduce users to the sensitivities around social research with a new section on research ethics at the end of each chapter.
  • Demonstrate how to conduct a research proposal with new skill-building exercises in each chapter. Users prepare different sections of a proposal in each chapter while applying specific chapter concepts. Then, in Chapter 17, users review the full proposal pulled together in its final form.
  • Examine key qualitative researchers and their work with the new "Keeping Humanity in Focus" box feature. Profiles of exciting new researchers include Kathryn Edin, Maria Kefalas, Elijah Anderson, Rachel Sherman, Kristen Schilt, and Sudhir Venkatesh.
  • Empower users with hands-on "How To Do It" boxes and their practical research topics, including: Framing a Hypothesis, Identifying the Unit of Analysis, How to Design a Research Project, Using a Table of Random Numbers, Conducting an Online Survey, Establishing Rapport, and Percentaging a Table.
  • Offer a balance between quantitative and qualitative methods, showing their common groundings and how they complement each other. The new "Keeping Humanity in Focus" boxed feature expands upon coverage of qualitative methods for this edition.
Additional Features
  • Provide the best faculty and user support package in the research methods course market. No other text has the depth and breadth of the supplemental support package for The Practice of Social Research.
  • Choose the text that appeals to today's user! Numerous examples (both real-world and hypothetical), abundant figures and tables, sample research tools, and the author's renowned sense of humor and compassion combine to make The Practice of Social Research the most accessible text on social research methods available.
  • Streamline coursework with end-of-chapter features like point-by-point chapter summaries, a list of key terms, review questions and exercises, research proposal exercises, and an "Online Study Resources" section.
  • Reinforce key ideas with a running glossary at the foot of each page. These in-chapter definitions also make chapter reviews and exam preparation easier.
  • Boost user achievement with chapter-beginning overviews that explain chapter objectives and how the material fits into the overall scheme of social research. A chapter table of contents also provides a roadmap for reviews and tests.
See this title's supplement:

Guided Activities for Babbie's The Practice of Social Research (Twelfth Edition)

Further reference for this edition:

Download a transition guide to the twelfth edition of The Practice of Social Research.

Review
"The biggest strength of this book is that it is well written and students find it very approachable. The use of examples is excellent and aids very much in conveying difficult concepts and ideas".--Melanie Arthur, Portland State University

"The principle strength of the Babbie text is its balance of technical information and accessibility for students, as well as, a balanced presentation of qualitative and quantitative research methods…the use of humor in this text is also an enormous asset. I really liked this text--in its approach, presentation, and tenor".

"It is the best methods text--nothing is close to this--over the years it has been perfected".

"This is a very fine textbook in terms of content and style. Babbie covers the key aspects of sociological research methods in a well-organized manner. The book is very well-written and engaging. The examples are interesting, informative, and up-to-date".

About the Author
Earl R. Babbie graduated from Harvard University before enlisting in the U.S. Marine Corps. He received his Ph.D. from the University of California, Berkeley, and began teaching shortly thereafter. Credited with defining research methods for the social sciences, Dr. Babbie has written several texts, including the bestselling THE PRACTICE OF SOCIAL RESEARCH.

Most helpful customer reviews

11 of 11 people found the following review helpful.
Social Research at its best
By Alvaro Gonzalez
Although several reviews critized the author. I believe the author has gone the extra mile to present social research analysis with a more simplistic method from other authors such as Cresswell. Do not worry about the jokes the author makes, not the best ones, however, but if you stick to the reading and forget about the jokes, you will be amazed to how much you will be able to grasp about social research.

0 of 0 people found the following review helpful.
A must for those wanting to understand research methods (for social sciences)
By Tyler B
I consider this the bread and butter for anyone studying Sociology and learning how to collect data. This helped me with research for history classes as well. It is important to be able to know how to interpret and understand collections of data. Babbie helps you do that. If anyone thinks it is expensive, my university wanted $250 for it new. Just some insight on prices.

0 of 0 people found the following review helpful.
Informatative with a sense of humor
By Sheila
Got this as an assigned book for a class. The author makes what might seem like a complex topic really easy to read about and understand. Great examples help you "get it," and he has a sense of humor that makes it almost seem like light reading. Highly recommend it.

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Sabtu, 13 Agustus 2011

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The Million Dollar Shot [UNABRIDGED CD], by Dan Gutman

  • Sales Rank: #4252593 in Books
  • Published on: 2004
  • Format: Unabridged
  • Binding: Audio CD

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1963. 2nd Edition. The Williams and Wilkins Co., Baltimore., 5 lbs 8 oz. (Large Over-sized 10.25 x 7.25 x 2.75 inches Hardcover). Title: Clinical Toxicology of Commercial Products: Acute Poisoning (Home and Farm) by Marion N. Gleason, Robert E. Gosselin, M.D., and Harold C. Hodge. Science & Technology/Chemistry

  • Sales Rank: #8750510 in Books
  • Published on: 1963
  • Binding: Hardcover

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Sabtu, 06 Agustus 2011

[N148.Ebook] Download Ebook Climate Considerations in Building and Urban Design, by Baruch Givoni, Bar Givoni

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Climate Considerations in Building and Urban Design, by Baruch Givoni, Bar Givoni

Climate Considerations in Building and Urban Design Baruch Givoni Climate Considerations in Building and Urban Design is the most comprehensive, up-to-date reference available on building and urban climatology. Written in clear, common-sense language by Baruch Givoni, the leading authority in the field, this book is a far-reaching look at a variety of climatic influences and their effects on individuals, buildings, and communities. Aimed at architecture and urban planning professionals and students alike, Climate Considerations in Building and Urban Design offers real-life solutions to climatological site planning and design issues, helping to settle disputes about site orientation, site organization, and the assembly of building materials. Climate Considerations in Building and Urban Design is organized into three parts. The first, Building Climatology, analyzes human thermal comfort and the effect of architectural and structural design features including layout, window orientation, and shading, and ventilation conditions on the indoor climate. Then, Urban Climatology explores the ways in which the climate in densely built areas can differ from surrounding regional climactic conditions, for example, in temperature, wind speed, and humidity. This part further explores the effects of urban design elements, such as urban density and building height, on a city's outdoor climate. Finally, Building and Urban Design Guidelines applies the body of available research on building climatology and the effects of physical planning on the urban and indoor climates to suggest design guidelines for different regions--for example, hot-dry and hot-humid climates. Filled with lists, tables, and graphs for easy cross-referencing, as well as hundreds of visuals, Climate Considerations in Building and Urban Design offers readers the ability to perform a quick check of a proposed scheme against authoritative criteria. Mr. Givoni's latest volume is a unique, indispensable guide to the relationship between building design, urban planning, and climate.

  • Sales Rank: #2975148 in Books
  • Published on: 1998-01-06
  • Original language: English
  • Number of items: 1
  • Dimensions: 11.24" h x 1.10" w x 8.74" l, 2.85 pounds
  • Binding: Hardcover
  • 480 pages

From the Publisher
Climate Considerations in Building and Urban Design is the most comprehensive, up-to-date reference available on building and urban climatology. Written in clear, common-sense language by Baruch Givoni, the leading authority in the field, this book is a far-reaching look at a variety of climatic influences and their effects on individuals, buildings, and communities. The book offers real-life solutions to climatological site planning and design issues, helping to settle disputes about site orientation, site organization, and the assembly of building materials.

From the Back Cover
Climate Considerations in Building and Urban Design Baruch Givoni Climate Considerations in Building and Urban Design is the most comprehensive, up-to-date reference available on building and urban climatology. Written in clear, common-sense language by Baruch Givoni, the leading authority in the field, this book is a far-reaching look at a variety of climatic influences and their effects on individuals, buildings, and communities. Aimed at architecture and urban planning professionals and students alike, Climate Considerations in Building and Urban Design offers real-life solutions to climatological site planning and design issues, helping to settle disputes about site orientation, site organization, and the assembly of building materials. Climate Considerations in Building and Urban Design is organized into three parts. The first, Building Climatology, analyzes human thermal comfort and the effect of architectural and structural design features including layout, window orientation, and shading, and ventilation conditions on the indoor climate. Then, Urban Climatology explores the ways in which the climate in densely built areas can differ from surrounding regional climactic conditions, for example, in temperature, wind speed, and humidity. This part further explores the effects of urban design elements, such as urban density and building height, on a city’s outdoor climate. Finally, Building and Urban Design Guidelines applies the body of available research on building climatology and the effects of physical planning on the urban and indoor climates to suggest design guidelines for different regions—for example, hot-dry and hot-humid climates. Filled with lists, tables, and graphs for easy cross-referencing, as well as hundreds of visuals, Climate Considerations in Building and Urban Design offers readers the ability to perform a quick check of a proposed scheme against authoritative criteria. Mr. Givoni’s latest volume is a unique, indispensable guide to the relationship between building design, urban planning, and climate.

About the Author
About the Author Baruch Givoni is Professor Emeritus of Architecture in the Graduate School of Architecture and Urban Planning at UCLA, and was associated for many years with the Technion in Haifa, and with Ben Gurion University of the Negev in Beer Sheba, both in Israel. Mr. Givoni's classic text Man, Climate, and Architecture (1976) is considered the most authoritative volume in the field of building climatology. His career also includes teaching assignments at nearly a dozen universities, as well as hundreds of papers and contributions to scholarly works, lectures, and symposia. Mr. Givoni has assisted the World Health Organization, the World Meteorological Organization, the Israel Ministry of Housing, and numerous governments around the world on passive and solar energy design of structures in hot climates.

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0 of 0 people found the following review helpful.
clear reference with good figures and brief explanation
By Jamal Khodakarami
In "Climate Considerations in Building and Urban Design" based on the natural factors and environmental capacities, there are very useful techniques in terms of thermal comfort achievement and energy saving. Passive solar systems including greenhouse, solar chimney, thermal roofs and wall, with simple and clear explanation are presented in this book. This is recommended basic book and perfect reference for all students that they are studying in thermal comfort and passive solar systems in architecture.

Finally for those that like to know how to use the natural possibilities to achieve thermal comfort in building, Givoni presents a clear reference with good figures and brief explanation.

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[S706.Ebook] Ebook Download Betty's Bright Idea, Deacon Pitkin's Farm, and The First Christmas in New England [with Biographical Introduction], by Harriet Beecher Sto

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Betty's Bright Idea, Deacon Pitkin's Farm, and The First Christmas in New England [with Biographical Introduction], by Harriet Beecher Sto

Harriet Beecher Stowe (1811-1891) made her name as an abolitionist and author most noted for her 1832 breakout novel "Uncle Tom's Cabin." Here are collected three of Beecher's most treasured short stories. In "Betty's Bright Idea," a sweet young girl forms a bond with a poor family and is determined to help them make a better life for themselves. In "Deacon Pitkin's farm," a young boy whose family can no longer afford payments on their house chooses to forego schooling in order to help make money for his struggling kin. Lastly, "The First Christmas in New England" documents the first Christmas celebration of the pilgrims from the Mayflower, a truly joyous and heartwarming tale. All three stories create a special portrait of American life as seen by the less fortunate.

  • Sales Rank: #2882596 in eBooks
  • Published on: 2012-04-30
  • Released on: 2012-04-30
  • Format: Kindle eBook

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Kamis, 04 Agustus 2011

[V200.Ebook] PDF Download Le souci de l'autre (French Edition), by Marie de Hennezel

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  • Sales Rank: #13856258 in Books
  • Published on: 2005
  • Original language: French
  • Number of items: 1
  • Dimensions: 7.01" h x .51" w x 4.29" l,
  • Binding: Mass Market Paperback

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