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The stunning YA debut from internationally bestselling author Cecelia Ahern. Celestine North lives a perfect life. She’s a model daughter and sister, she’s well-liked by her classmates and teachers, and she’s dating the impossibly charming Art Crevan. But then Celestine encounters a situation in which she makes an instinctive decision. She breaks a rule and now faces life-changing repercussions. She could be imprisoned. She could be branded. She could be found FLAWED. In this stunning novel, bestselling author Cecelia Ahern depicts a society in which perfection is paramount and mistakes are punished. And where one young woman decides to take a stand that could cost her everything.

A critical look at the risk measurement tool that has repeatedly hurt the financial world The Number That Killed Us finally tells the «greatest story never told»: how a mysterious financial risk measurement model has ruled the world for the past two decades and how it has repeatedly, and severely, caused market, economic, and social turmoil. This model was the key factor behind the unleashing of the cataclysmic credit crisis that erupted in 2007 and which the effects are still being felt around the world. The Number That Killed Us is the first and only book to thoroughly explain this hitherto-uncovered phenomenon, making it the key reference for truly understanding why the malaise took place. The very number financial institutions and regulators use to measure risk (Vale at Risk/VaR) has masked it, allowing firms to leverage up their speculative bets to unimaginable levels. VaR sanctioned and allowed the monstrously geared toxic punts that sank Wall Street, and the world, during the latest crisis. We can confidently say that VaR was the culprit. In The Number That Killed Us, derivatives expert Pablo Triana takes you through the development of VaR and shows how its inevitable structural flaws allowed banks to take on even greater risks. The precise role of VaR in igniting the latest crisis is thoroughly covered, including in-depth analysis of how and why regulators, by falling in love with the tool, condemned us to chaos. Uncritically embraced worldwide for way too long, VaR is, in the face of such destruction, just starting to be examined as problematic, and in this book Triana (long an open critic of the tool's role in encouraging mayhem) uncovers exactly why it makes our financial world a more dangerous place. If we care for our safety, we should let VaR go. Contains controversial analysis of the hotly debated risk metric Value at Risk (VaR) and its central role in the credit crisis Denounces the role of regulators and academics in forcing the presence of the inevitably malfunctioning in financeland Describes how bonus-hungry traders can use VaR as an alibi to take on the most reckless of bets Reveals how the most recent financial crisis will simply repeat itself if the problems behind VaR are not unmasked Pablo Triana is also the author of Lecturing Birds on Flying The very risk measurement tool that was intended to contain risk allowed financial firms to blindly take on more. The model that was supposed to save us condemned us to misery. The Number That Killed Us reveals how this has happened and what needs to be done to correct the situation.

The rewards of carefully chosen alternative investments can be great. But many investors don’t know enough about unfamiliar investments to make wise choices. For that reason, financial advisers Larry Swedroe and Jared Kizer designed this book to bring investors up to speed on the twenty most popular alternative investments: Real estate, Inflation-protected securities, Commodities, International equities, Fixed annuities, Stable-value funds, High-yield (junk) bonds, Private equity (venture capital), Covered calls, Socially responsible mutual funds, Precious metals equities, Preferred stocks, Convertible bonds, Emerging market bonds, Hedge funds, Leveraged buyouts, Variable annuities, Equity-indexed annuities, Structured investment products, Leveraged funds The authors describe how the investments work, the pros and cons of each, which to consider, which to avoid, and how to get started. Swedroe and Kizer evaluate each investment in terms of: Expected returns Volatility Distribution of returns Diversification potential Fees Trading and operating expenses Liquidity Tax efficiency Account location Role in an asset-allocation program Any investor who is considering or just curious about investment opportunities outside the traditional world of stocks, bonds, and bank certificates of deposit would be well-advised to read this book.

The stunning bestselling YA duology from internationally bestselling author Cecelia AhernCelestine North lives in a society that demands perfection, and she lives a perfect life. She’s a model daughter and sister, she’s well-liked by her classmates and teachers, and she’s dating the impossibly charming Art Crevan.But then Celestine encounters a situation in which she makes an instinctive decision. Will she be branded as FLAWED? Will all her freedoms be gone?In a society where perfection is paramount and mistakes are punished, one young woman takes a stand that could cost her everything. But can she prove that to be human in itself is to be Flawed? . . .

Penny Jordan needs no introduction as arguably the most recognisable name writing for Mills & Boon. We have celebrated her wonderful writing with a special collection, many of which for the first time in eBook format and all available right now.Amber's once lithe body had been crippled and disfigured by a horrible accident. The prospect of never walking again disheartened her, but much worse was the pain she felt when her fiance suddenly abandoned her.Time had done nothing to heal her broken heart. And although she could walk again, resuming her nursing career was out of the question. Then a stranger offered her employment, a home and the money for a necessary operation.All she had to do was become his wife!

The book provides a detailed description of “the Russian crime of the twenty-first century” as well as a thorough examination of the eighty sessions of the nine-month-long trial (during 2016-2017) of Boris Nemtsov’s alleged killers. It directs attention to the chief obstacle in determining what precisely happened shortly before midnight on February 27, 2015, on a bridge located a mere stone’s throw away from the Kremlin, in an area under the active surveillance of the Russian Federal Protective Service. The glaring absence of closed circuit videos from this most heavily guarded site in Russia is underscored. Given the absence of such key evidence, those seeking to investigate the murder have been akin to blind people stumbling about in obscurity.
The attempts to penetrate this man-made fog undertaken during the course of the trial by the Nemtsov family attorneys, Vadim Prokhorov and Olga Mikhailova, as well as by numerous tenacious analysts of the crime, such as former deputy Russian energy minister Vladimir Milov, former Russian presidential economics advisor Andrei Illarionov, and leading mathematician Andrei Piontkovskii, are covered in full. The uneven case mounted by the prosecution and the scrappy defense effort of the attorneys for the alleged killers, many of them ethnic Chechens, are highlighted, as is the non-unanimous verdict which was reached by the twelve jurors. The findings of this study are in agreement with those of a number of commentators who contend that the actual organizers of the crime remain at large as does the assassination’s shadowy mastermind.