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Featuring dishes shared by American Family Insurance employees and policyholders – plus bloggers from across the U.S., the cookbook offers convenient, family-friendly meal ideas and time-saving tips for making the most of time spent together. From savory suppers to decadent desserts, Favorite Family Recipes brings mealtime traditions to life through the belief that dreams – and dreamers - are made around the family table....

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Appetizers & Sides Pasta Dishes Sunday Suppers Casseroles & Slow Cooker Dishes Seafood Soups & Salads Breakfast & Brunch Desserts

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Learning how to think about religion. Accounting for religious experience and the esoteric spiritual process in our thinking about "God" and the Greater Reality....

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Reality Is. Religion is what we make it. Reality Is, prior to mind. Religion is what we make it, with the mind. Religion without experience in the Greater Reality is often worthy of criticism. But that criticism misses the point. Such religion, rightly engaged, is, as we have seen, only a foundation. Without experience in the Greater Reality neither the atheist nor the religionist has the genuine discrimination to either criticize the other or defend him or herself, for each is left with only the thinking mind and limited experience with which to understand the other—and thinking mind and limited experience are, in themselves, inadequate for the task...

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Contents Light, Religion, and Spirituality -9- About Intelligence in Religion -12- The Problem in Thinking about Religion -14- A Common Ground -17- Heaven, Houdini, and Kierkegaard -30- Nonsense, Violence, and Truth -41- The Absence of God, and the Presence of the Greater Reality -50- The Divine Person and the Trinities of Religion -58- Gurus, Teachers, and Spiritual Masters -71- Magic, Mystery, and Miracles -90- The Straw Man of Atheist Complaint -96- A Summing Up -99- ...

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Critical analysis of the foundations and tenets of capitalism and of the dismal science - economics.

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This book will serve as revision purpose. It is prepared with five effective pages of Summary which only you need to read to recapture the concept covered in PGBP Head. Do only print such five pages and If you are reading it on digital media then its best....

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Summary of Salary head under the Income Tax for Taxation Students of India. This book will serve for last minute revision. This book is prepared with five effective pages of Summary which only you need to read to recapture the concept covered in Salary Head....

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The book is for CA Final November 2014 however it can be used for May2015 CA Final exam.

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This book contains solutions done from CA Final RTP November 2014 issued by ICAI, but in style of "Dani Ki Costing" DKC. I am student of DKC, youtube chanel study group, and extending the concept of DKC for Free education of Paper5 Advance Management of Accounting of CA Final. "Jab tak samundra me pani rahega Costing me Professor Dani rahega"...

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The Yellow Hand Book is destined to delight, frighten, entertain and outrage people for decades to come. This beta-edition gets the ball rolling, quietly bringing readers to an ending so unexpected and so clever, you'll have to decide which of your friends you talk to first....

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This essay explains what asset bubbles are, how they are created, and why asset bubbles are always the outcome of govrernment policies and never the result of free market forces....

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The purpose of this project is to contribute to ongoing efforts tailored toward promoting greater financial markets stability and integration in APEC economies, achieved by: 1) undertaking research to determine the conditions that foster financial market stability to enhance integration of financial markets across the region; and 2) drawing on the findings of the research to generate policy recommendations that are intended to address the impediments to financial markets stability and integration....

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This book consists of 6 papers focusing on social and economic issues. The topics covered include graph distance and optimal communication, migration in Jaipur, urbanization, clan capitalism, world population growth rate, and scientific inquiry. These papers were written in the period between 2009-2010. Hopefully the readers will find some new insights in this collection of papers....

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In recent years, there has been a rapid increase in the literature which discusses new phenomenon associated to social network. One of the well-known phenomenon in this regards is known as ‘six degrees of separation’ [1], which implies that one can always keep a communication with each other anywhere within a six-step. A number of experiments has verified this hypothesis, either in the context of offline communication (postal mail), or online communication (email, etc.). In this article, we argue that by introducing this known ‘six degrees of separation’ into the context of group instability problem, one can find a new type of wisdom in organization. Therefore, we offer a new conjecture, which may be called ‘Group stability conjectures based on Graph/Network distance.”...

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Greetings Earth creatures. This book has been dropped off on your planet for the purpose of... well, for you to read it. I'm not sure if you'll like it, I might not if I was you. I'd wager many of you won't be big fans. The investment banking community will especially be... put off by some of what is contained here. An advanced copy was sent to your virtual place of worship 'Reddit' and met with mixed results. While spending nearly a full day on the front page, many Earthlings voiced their stern displeasure with the book. Many others found it lovely. I'm not sure who I'm more concerned for. Either way this is a book I only meant to help with. I know sometimes books, words and ideas can make you humans angry; but then again, pretty much everything seems to do that. In the end, just remember it's only words in a book. Can't we all just get along and go for a swim instead?...

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Wilx looked at the nearest cage. It had a sign reading PECKING GRAPPLER-BIRDS. Below this sign was another sign reading NEVER OPEN. They couldn’t have chosen a better cage to stand in front of while defending themselves from yet another angry and hotly pursuant mob. Wilx did the unthinkable. He opened the cage. Pecking Grappler-Birds swarmed out, quickly filling up the space of Subterranean Layer 53. They pecked. They grappled. They flew. “Run!” yelled Wilx. Rip and Krimshaw followed Wilx down the corridor towards the Master Ladder. “I think those bird things have them distracted. But don’t slow down.” “Can you believe how fast they peck through to the brains?” asked Krimshaw. “And how effectively they grapple the spinal cord?” added Rip. “No time to admire the rapid killing technique of the Pecking Grappler-Bird. Everybody get on this ladder now.” ...

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In part 1, we have defined a fuzzy utility system, with different financial goals, different levels of risk tolerance and different personal preferences, liquid assets, etc. In part 2, we have defined a computational model for a simple portfolio insurance strategy using a protective put and computationally derive the investor’s governing utility structures underlying such a strategy under alternative market scenarios. In Part 3, it is proposed an artificial classification scheme to isolate truly benign tumors from those that initially start off as benign but subsequently show metastases. In part 4, an alternative methodological approach has been proposed for quantifying utility in terms of expected information content of the decision-maker’s choice set....

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In this paper we have designed our fuzzy system so that customers are classified to belong to any one of the following three categories: *Conservative and security-oriented (risk shy) *Growth-oriented and dynamic (risk neutral) *Chance-oriented and progressive (risk happy) A neutrosophic system has three components – that’s why it may be considered as just a generalization of a fuzzy system which has only two components. Besides being useful for clients, investor classification has benefits for the professional investment consultants as well. Most brokerage houses would value this information as it gives them a way of targeting clients with a range of financial products more effectively - including insurance, saving schemes, mutual funds, and so forth. Overall, many responsible brokerage houses realize that if they provide an effective service that is tailored to individual needs, in the long-term there is far more chance that they will retain their clients no matter whether the market is up or down....

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The aim of the study is to assess the contribution of the actions and measures of APEC‘s Electronic Commerce Steering Group (ECSG) towards reducing trade transaction costs in the region through a case study of an Electronic Certificate of Origin (e-CO) project. The study assesses the results of the e-CO Pathfinder Project between Chinese Taipei and Korea in reducing trade transaction costs since implementation began in June 2010. These results are then extrapolated on the assumption that e-CO is adopted in other APEC economies, using several different assumptions and scenarios....

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There is a wide spread belief that the banking sector created the current crisis. In this essay I explain in very simple words why private banks are not responsible for the crisis, and more specifically why private banks cannot create what is called "inflationary money". I explain that inflationary money is always and everywhere created by governments. I also explain how and why governments do so. Finally I say a few things about conspiracy theories concerning the central banks, since the latter play a key role on what we call "inflationary money". This essay is written for non economists with an interest on the subject . Even though I have postgraduate studies in economics I am not a specialist, and this document is the knowledge I gathered in an attempt to answer my own questions. Moreover, English is not my first language so you will have to excuse my syntax....

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If you take a look at the world we live in, most people have a completely backwards approach to pursuing happiness. We’re generally raised with the idea: “If you work hard at something, you’ll be successful, and then you can be happy”. But when you think like that, you’ll notice that as soon as you reach a goal, another one will take it’s place. And then another. Like the horizon, our goals keep shifting and moving just out of reach. And with that, our happiness. Our brain actually works the other way around: By cultivating happiness, you’ll be more creative, feel more connected, and be more productive. So by first focusing on what makes us happy, we become much better at everything we do!...

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"... And be aware of your conditioning and society's effect on your thinking. Try giving yourself some unconditional self-acceptance, give yourself a break from the inner critic by, paradoxically, not struggling with anything. We put so much pressure on ourselves to be some notion of a perfect person that we are never actually able to be ourselves and enjoy our life. And remember – it's not a rehearsal – this is the real thing. Each moment is a new choice to love it or resent it."...

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1. Introduction 2. Accept What You Have 3. Enjoy What You Do 4. Live For Today 5. Choose Happiness and Value It 6. Love Your Family and Friends 7. Stay Active 8. Economics Be Yourself 9. Stop Worrying 10. Get Organised 11. Think Positively 12. The Mind-Body Connection 13. The Workbook 14. About The Author...

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I started writing this book on my cell phone on an airplane flight- with my phone in “airplane mode”, of course... While trapped in my seat for a couple hours I started typing a list of ways to spend less money and ended up with 101 tips. After I landed, I added some description, stories, and details to each tip to create a resource to help people spend less money. The tips on saving money in this book can be used to save money, of course, but they can also help you think about money and spending in a different way. Things look different when you have your debt and spending under control. New possibilities open up. You have more freedom and less stress. ...

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Buying food at a convenience store is rarely a good idea, but if you do, here is a tip to avoid paying sales tax on food items. Back in college, I would sometimes get a "grinder" burrito at a convenience store, not a bad lunch for about $1.00. If you paid for the burrito before microwaving it, it was considered a grocery item and there was no sales tax. If you microwaved it first and then paid for it, you were charged 6% sales tax since it was considered a prepared food item. Of course, saving 6 cents on a burrito is not going to change your life, but if you can save 6 cents every time you get a burrito, savings can add up over time. The point is not to pay more than you need to pay for anything and hold on to the savings, no matter how small. Wasting money is a bad habit- I try to adopt a "zero-tolerance" policy for wasting money. I suppose some would say I could save even more money by either not buying the burrito, or by buying the burrito somewhere else- you can get a burrito for 79 cents at Taco John's on "Taco Tuesday", or probably make one at home for about 35 cents. It is always a fuzzy line between "needs" and...

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Dedication Introduction Disclaimer Tip 1: Avoid sales tax on food Tip 2: Save big at Kohl’s Tip 3: Save 10% on milk Tip 4: Make coffee at home, save over $500 per year Tip 5: Pack lunch instead of eating out Tip 6: Sharpen disposable razor blades Tip 7: Cut cable TV or satellite TV Tip 8: Buy less gas for your car Tip 9: Enjoy cheap- or free- exercise Tip 10: Save when eating out Tip 11: Get pets at the animal shelter for almost free Tip 12: Have less stuff Tip 13: Haircuts at home Tip 14: Walk instead of drive Tip 15: Credit card points Tip 16: Avoid dry cleaning Tip 17: A Subway $5 footlong is a good deal Tip 18: Use energy efficient lighting Tip 19: Improve home insulation Tip 20: Reduce your house payments with a mortgage re-fi Tip 21: Buy used items and save Tip 22: Stop making car payments Tip 23: Avoid recreational shopping Tip 24: Cut small unnecessary purchases Tip 25: Utilize free resources at your library Tip 26: Free or cheap hobbies Tip 27: Get an artificial Christmas tree Tip 28: Plan meals, shop with coupons Tip 29: Drop newspapers and magazines Tip 30: Staycation instead of vacation ...

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An exchange traded fund (ETF) is a communal vehicle for investment, as is an exchange traded note (ETN). This primer profiles the duo of instruments and compares them to mutual funds. The relative merits of the securities are explained, along with the grave risks both blatant and subtle. The serious investor has to juggle the crucial factors in order to thrash out a robust program of investment....

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As a supple tool for investment, the exchange traded fund (ETF) has enjoyed explosive growth since its debut on the stock market. To a lesser extent, the story is similar for the exchange traded note (ETN). The popularity of these vehicles stems from the ease of investing in a diversity of assets at low cost. An ETF is an investment pool whose shares are listed on a bourse. For this reason, the securities can be bought and sold just like any other stock by way of an equity account at a brokerage firm. From a historical stance, the traditional form of communal investing lies in the mutual fund: a commercial trust whose shares are offered for sale directly to the general public. In other words, an investor deals with the operator of the collective pool in procuring and unloading the units. By contrast, the shares of an ETF are traded amongst the actors within the stock market. This primer begins by profiling the exchange traded fund. One topic deals with the similarities and differences between an ETF and a mutual fund. Another issue involves the contrast between active and passive modes of investment in tending a portfolio o...

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Climb and Slide of Mutual Funds Active versus Passive Ploys Hidden Dangers Travails of Index Funds Physical versus Synthetic Assets Exchange Traded Note Madness of the Mob Bane of Leverage Additional Forms of Risk Wrapup of the ETF and ETN Further Information References...

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This essay is a common sense approach to the issue of economic monopolies, written for the general reader with no knowledge of economics. I clearly explain why monopolies are always the result of government regulation and not as socialists claim the result of the free market. I have postgraduate studies in economics, but I am not a specialist on the subject, and this essay represents the knowledge I gathered in an attempt to answer my own questions. English is not my first language and you should be ready to excuse my syntax....

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We focus our discussions in this book on cities, because in our opinion a city is the smallest economic entity which has ‘self-organizing’ character, in a sense that a city can grow by itself (with minimum intervention). Nonetheless, this book will not discuss the self-organization character itself, but a new concept called ‘Cultural Economy’ development. Cultural Economic here is part of leisure and tourism industry, and depends on taste, advertisement, history, and the quality of being diverse, distinctive, with a large spectrum of varieties....

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Content ................... 3 Prologue ....................... 4 Biography of authors .................. 7 Chapter 1. Historical Precursor ............. 8 Pitfalls of Industrialization Is there alternative to industrialization? A review of economics thinking Box I: Cultural Advantage and Cultural Studies Chapter 2. Cultural Advantage as Alternative ............. 20 De-Industrialization and Emergence of Experience Economy Cultural Advantage, a new proposition Chapter 3. High-Tech/High-Touch and Cultural Advantage ..... 31 To automate or not to automate? How to implement Cultural Advantage in city development Box III: Cultural Advantage and Anthropology Chapter 4. A few examples: Lessons to learn ............. 40 a. Nicosia b. Toronto c. Venice d. Huzhou e. Valencia f. Chicago g. Romanian Lesson h. Eastern Europe Lesson i. Argentina Lesson Chapter 5. Introduction to Poly-Emporium Theory ............. 49 A new proposition: Extended Tobin Tax Bibliography.........60...