Expectations are high for the new guy in town, and these five heroes don’t disappoint. You’ll be glad you opened your door to the passionate possibilities! Trapped in Tourist Town: Cady dreams of leaving tiny Scallop Shores for the bright lights of New York City, but she’s stuck playing tour guide when travel writer Burke blows into town for the summer. When deeper feelings develop, can he convince her that everything they need is right in front of them? Naturally Enchanted: As a struggling journalist, Owen Cooper has to make a name for himself, and a tip that a real-life witch is living on Mango Cove may just lead to the big story he needs. Undercover as a shipwrecked tourist, he worms his way into Ezra’s family and their secrets, but can he get her out of his heart? Hiding from Hollywood: When movie producer Ethan Walker breezes into Abby’s diner, she’s terrified. The last thing she wants is her name connected with his when her life is now about hiding from the tabloids. But when she’s left without a safe place to stay, Ethan offers her sanctuary in his home, and Abby must decide whether she can finally stop running and trust Ethan with her secret. Southern Comfort: Natalie Coleman has her hands full with her family responsibilities; she certainly doesn’t have time to humor a Chicago journalist who lands on her porch, seeking spooks in her house. But it turns out there’s more to Newland Tran’s story than Confederate ghosts. Can the unlikely pair discover the truth behind the eerie goings-on before Newland succumbs to Natalie’s brand of southern comfort? Jade’s Treasure: Jade Sawyer simply wants to be left alone to manage her family’s mountain resort and design her jewelry. Then world-famous author Matthew Riley McLaughlin arrives to claim the room he booked as a hideout, and their shared need for privacy becomes personal. But can she overlook a shocking betrayal?
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.
23 novembre 1980, un terremoto di proporzioni catastrofiche colpisce la Basilicata e la Campania, provocando migliaia di morti, dispersi e senzatetto. Un'antropologa milanese si precipita a Palmira, un centro così minuscolo che non figura nemmeno sulle carte geografiche.
Tutto ciò che trova è ridotto in macerie. Solo una falegnameria è rimasta in piedi e dentro, notte e giorno, mastro Gerusalemme fabbrica il mobilio per una sposa, l'ultima del paese.
Sulle ante disegna le storie che si tramandano negli anni. I pannelli dei mobili sono l'unica testimonianza che Palmira sia esistita veramente e in essi si compie il destino di ogni uomo.
Teaches students to use the language of sythesis directly (utilizing the grammar of synthon and disconnection) rather than translating it into that of organic chemistry.