NEO-HINDU VIEW OF CHRISTIANITY
Annuities are financial products that guarantee the holder a fixed return so long as the holder remains alive, thereby providing insurance against lifetime uncertainty. The terms of these contracts depend on the information available to insurance firms. Unlike age and gender, information about individual survival probabilities cannot be readily ascertained. This asymmetric information causes market inefficiencies, such as adverse selection. Groundbreaking in its scope, The Economic Theory of Annuities offers readers a theoretical analysis of the functioning of private annuity markets. Starting with a general analysis of survival functions, stochastic dominance, and characterization of changes in longevity, Eytan Sheshinski derives the demand for annuities using a model of individuals who jointly choose their lifetime consumption and retirement age. The relation between life insurance and annuities that have a bequest option is examined and "annuity options" are proposed as a response to the lack of secondary markets.
This book also investigates the macroeconomic policy implications of annuities and changes in longevity on aggregate savings. Sheshinski utilizes statistical population theory to shed light on the debate of whether the surge in savings and growth in Asia and other countries can be attributed to higher longevity of the population and whether this surge is durable. This book shows how understanding annuities becomes essential as governments that grapple with insolvency of public social security systems place greater emphasis on individual savings accounts.
This thoroughly revised and updated version of the popular textbook on abstract algebra introduces students to easily understood problems and concepts. John Humphreys and Mike Prest include many examples and exercises throughout the book to make it more appealing to students and instructors. The second edition features new sections on mathematical reasoning and polynomials. In addition, three chapters have been completely rewritten and all others have been updated.
First Edition Pb (1990): 0-521-35938-4
In her beloved Little House books, Laura Ingalls Wilder describes some of the Christmases she and her family celebrate on the frontier.
Even if they don't have much money for presents, they always have one another, and that's enough to make any Christmas merry. This lavish gift book gathers together five of Laura's classic Christmas stories from Little House in the Big Woods, Little Houes on the Prairie, and On the Banks of Plum Creek, and is illustrated with gently colorized versions of Garth Williams' original art. Bring these stories home with you as part of your own Christmas celebration! And, this Christmas, you can also be Laura with the Little House Christmas Theater Kit! Inside this wonderful new kit is everything you need to put on two Christmas plays adapted from the Little House books. Ask for this kit at a bookstore near you, and make your Christmas this year a Little House Christmas! 1994 "Pick of the Lists" (ABA)
“-NO LO ENTIENDES, LEONARDO -DIJO, HABLANDO CON DIFICULTAD-. HABÉIS CABREADO A LA COSMONAVE.” El Gran Consejo gobierna la galaxia y la protege, a través de las dos organizaciones bajo su mando: el Cuerpo, que ejerce la justicia y la ejecuta, y la Legión, que explora el universo en busca de nuevas fronteras. Cuando el comerciante libre Chaka Gutionov encuentra una gigantesca cosmonave de cientos de años de antigüedad, una extraña alianza se forma para resolver el misterio de su aparición, incluyendo al miembro del Gran Consejo Leonardo Sonnenborn-Rico, que guarda un terrible secreto: hace cuarenta y tres años, estuvo dentro de esa cosmonave y apenas pudo escapar con vida. A medida que se adentran en las profundidades de la cosmonave, descubren que no ha reaparecido por casualidad y que todas las razas de la galaxia se encuentran en grave peligro.
Los roces entre los miembros de la expedición se recrudecen mientras intentan buscar respuestas. ¿Pero qué pueden hacer cuando encuentran a un superviviente de la primera expedición de hace cuatro décadas? ¿Podrán escapar con vida o caerán presos de la extraña fuerza que busca retenerlos dentro de la nave? ¿Estarán dispuestos a hacer el sacrificio definitivo? La Cosmonave Perdida es un trepidante relato de ciencia ficción con el que debuta Miguel Ángel Alonso Pulido, periodista, escritor y bloguero, aunque no siempre en ese orden. Puedes conocer más sobre el autor en www.miguelangelalonsopulido.com
In All Violet, a young woman chronicles the experience of living on the margins, in spaces and places where body and mind are flayed by guilt, disappointments and betrayals.
Her poems record the shattering trauma of struggling to survive through periods of doubt, fear, rage and pain, creating a narrative of disconnection, indignation, alienation and emptiness, the extremes of suffering and desperation. Employing lyrical free verse, Rani Rivera has skillfully employed the short line to pinpoint moments of acute perception. Unadorned, taut and precise cries of pain, loss and fury draw the reader deeper and deeper inside this in-your-face confrontation with a dark world of foreboding alleviated by flashes of mordant wit and grace under fire. “A star student and sweet friend, Rani’s death hurts in a way only she could describe with beauty and grace: ‘I love them pretty/with their ugliness./I love them all violet/and blue.’ Her love for the world courses through this powerful collection like a clean, clear river, bathing and purifying the poison and the pain she delineates with a razor, her uncanny mind. New to these poems, I wish her back to praise her, and instead, say goodbye again, knowing she has left behind a stunning legacy, one that will be returned to, again and again, by anyone who knows, to quote Theodore Roethke, ‘the purity of pure despair.’ And to anyone who knows that life is wreching and sublime, all at once: All night, she turned violet and blue, betrayed by the Earth’s roll into darkness, leaving behind fields of flowers, bigger than oceans, and kindness, and love.” —Lynn Crosbie, writer, professor and author of The Corpses of the Future