Altri libri che potrebbero interessarti

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  The Mind Wheel - Role-Modeling...

  Joe Loizzo

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  These guided meditations recorded by Dr. Loizzo are meant to support all four horizons of contemplative learning and meditative practice that make up the gradual path to freedom and happiness taught in the Nalanda tradition.
  
  Role-Modeling Imagery: Invoking the Healing Mentor 
  Inner Role-Modeling: Embodying the Healing Mother 
  The Art of Recreating Life: Becoming Sheer Brilliance 
  Brief Art of Recreating Life: Becoming the Wisdom Mother 
  Role Modeling Imagery of the Ideal Healer
  
  ©2017 Joseph Loizzo (P)2015 BetterListen!LLC, all rights reserved.

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  Fundamentals of Credit and...

  Arnold Ziegel

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  Arnold Ziegel formed Mountain Mentors Associates after his retirement from a corporate banking career of more than 30 years at Citibank. The lessons learned from his experience in dealing with entrepreneurs, multinational corporations, highly leveraged companies, financial institutions, and structured finance led to the development and delivery of numerous senior level credit risk training programs for major global financial institutions from 2002 through the present. This book was conceived and written as a result of the development of these courses and his experience as a corporate banker. It illustrates the fundamental issues of credit and credit analysis in a manner that tries to take away its mystery. The overriding theme of this book is that when an investor extends credit of any type, the goal is "to get your money back", and with a return that is commensurate with the risk. 
  
  The goal of credit analysis is not to make "yes or no" decisions about the extension of credit, but to identify the degree of risk associated with a particular obligor or a particular credit instrument. This is consistent with modern banking industry portfolio management and the rating systems of credit agencies. Once the 'riskiness" of an obligor or credit instrument is established, it can be priced or structured to match the risk demands or investment criteria of the entity that is extending the credit. A simple quote from Mr. J. P. Morgan is used often in this text - "Lending is not based primarily on money or property. No sir, the first thing is character". This statement represents one of the conflicts in modern credit analysis - that of models for decision making versus traditional credit analysis. The 2008 financial crisis was rooted in the mortgage backed securities business. 
  
  Sophisticated models were used by investors, banks, and rating agencies to judge the credit worthiness of billions (and maybe trillions) of dollars worth of residential mortgage loans that were packaged into securities and distributed to investors. The models indicated that these securities would have very low losses. Of course, huge losses were incurred. Mr. Morgan had a good point. In this case is was both property and character. The properties that were the collateral for many of the mortgages had much less value than was anticipated. The valuation of the collateral was naïve and flawed. Many assumptions were made that the value of homes would rise without pause. Many mortgage loans were made that were at or even above the appraised value of a residence.
  
  But character was a huge, perhaps larger, factor behind these losses. Many of the residential mortgage loans were made to individuals who knew that they did not have the income to make the required payments on the mortgages. Many of the mortgage brokers and lenders who made these loans also knew that many of the borrowers were not properly qualified. And, many of the bankers who securitized these loans also may have doubted the credit quality of some of the underlying mortgages. If bankers and rating agencies understood the extent of the fraud and lax standards in the fundamental loans backing the mortgage securities, or were willing to acknowledge it, the fiasco would not have occurred.

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  Meditation as a Way of Life -...

  Alan L Pritz

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  Winner of the 2015 Benjamin Franklin Silver Award! Among primers on meditation, this book is exceptional in how it guides readers who treasure inner growth and are looking for reliable direction on how to achieve it in an authentic and sustainable way. The author, a student of the Indian yogi Paramahansa Yogananda, distills the teachings of many other spiritual traditions and religions, including Christianity, into an interfaith perspective that will appeal to all seekers of the divine. Specific elements include the foundations of spiritual practice; the benefits of energy-building exercises, affirmations, and healthy lifestyle regimens; instructions in mantra practice and inner-sound meditation; techniques for effective prayer; and guidelines to measure inner practice. The book’s accessible narrative and universal themes make it enjoyable to read and life enhancing to apply.

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  Stock Market Investing - How to...

  Glenn Nora

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  Are you thinking about investing in the stock market? You are in for a great time – if you do it right. Making a choice to invest money now, be it for a steady income, or a big payoff sometime down the line, is a wise decision. At the end of the day, you don't have any guarantees that there will be enough money to send your kids to college or for when you retire. There's no guarantee that your pension is going to be enough for you to live a comfortable life. By investing now, in the right stocks, you can have that nest egg to spend on whatever you want.

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  The Magic Cup - A Business...

  Howard Behar, Jeffrey Brotman

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  We all love the fairy tales we grew up on, creating a world in which good always wins over evil, where those whose hearts are true and who do the right thing come out on top. But, grown-up competition for success is rough, even cutthroat, and we've often heard that nice guys finish last.  Not according to Howard Behar, whose career as one of the three leaders who built the Starbucks organization most definitely proves that nice guys finish first. In THE MAGIC CUP, Behar spins an engaging corporate tale to teach us exactly how we can do the same thing.   The story revolves around Vince Steadfast, the newly named CEO of imaginary manufacturer Verity Glassworks, which has fallen on difficult times. Vince is hired to help the once iconic company return to its glory days, and he brings with him a parting gift from his mentor and former boss: a stunning crystal coffee cup from Verity's halcyon days. The cup turns out to be magic - truly - and helps him come to understand and reinvigorate the values that Verity has misplaced along the way.  As Vince and his new team make their way to (and through) many challenges, including the aptly named Worthy Way, Perilous Passage and Arduous Stair, the cup fills with a gold elixir and the universal truths that they learn to embrace - such as Responsibility, Forgiveness and Courage - magically become engraved in the glass.   In the tradition of great parable writers throughout history, Behar quickly involves us in an engrossing fantasy, continually challenging us to compare each situation with our own real-life experiences. The story of THE MAGIC CUP helps each of us discover that only by acting on sound moral principles can we fill our own cups with the personal and professional success and satisfaction we seek.

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  How to Mastermind Your Way to...

  Pegine Echevarria

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  Ever hear the expression two heads are better than one? Learn how you can propel your success to soaring heights by developing a mastermind group, a group of people committed to your success.  
  This audio shares how to define your group, seek members, ensure that the members are the right people for your group and what to do to get your group started. This 60 minute program is filled with the information your need to create a powerful mastermind team.

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