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In the debate over Social Security reform, most of the work on individual accounts has focused on how individuals would save and manage those accounts during their working lives. Uncharted Waters goes further and addresses the often neglected questions about how and under what circumstances funds could be withdrawn from these accounts. In Uncharted Waters, a panel of recognized experts created a framework for determining how benefits might be paid if private accounts become a new part of the Social Security system or are created separate from Social Security. This important volume analyzes the potential implications of different policy choices. It considers the ramifications of payout rules for families at different stages of life, particularly for economically disadvantaged groups. The contributors also address how any new individual account program would fit with traditional Social Security, employer-based pensions, and tax-advantaged individual retirement savings (401(k)s and IRAs). As the debate over individual savings accounts rages, Uncharted Waters offers a sound framework for informing public policy on both sides of the argument.
Four teens lives intersect in a summer to remember. Claire and Kingston are Manhattan socialites with family summer homes in the Hamptons. Nitro, working a summer job, and Amelia, a runaway in search of a prince, cross paths with the locals, igniting romance and scandal.
The purpose of this book is to give ChristaEUR"centered believers an objective look at how a community of believers has the ability to not just survive in the roughaEUR"andaEUR"tumble times that a postaEUR"financialaEUR"collapse world will inevitably lapse into, but actually thrive. ChristaEUR"centered leadership is the key. Honoring God the Father and His Son Yeshua in all aspects is something that the author strove to hear God's leading on, from start to finish. Over the last twenty years, many books, articles, and movies have been written and filmed about the postapocalyptic world, both fiction and non fiction howaEUR"to, centering on what to do and how to do it. Most, if not nearly all, have focused on a few major topics, with perhaps another one or two side issues. In this book, the author has endeavored to cover as many facets as possible that will come into play as given to him by God's Spirit. Financial collapse, firearms, selfaEUR"defense, breakdown of law and order, cannibalism, barter, invasion by the UN, the setting up of a retreat, basic survival skills, and medical care by amateurs have all been covered in other works, and usually quite well. But, as they say on TV, wait, there's more...much, much more. Also woven into this work are torture, suicide, homosexuality and the subsequent deliverance from it, along with the very real probability of Islamic terrorism. Then we get to, for the most part, the forgotten wild cards: a command structure for the leadership, unparalleled cataclysmic geological upheaval, pandemic outbreak, the setting up of a city of refuge for God's people, and without question, the most neglected yet, far and away, most important deciding factor in all this: the last days' move of God. Mix all these factors together, and there we will find ourselves in uncharted waters.
Most teenage boys would love to spend a summer with a bachelor uncle in a seaside cabin. But not Jonah Lander. He has secrets—lots of them—and they weigh heavily on his mind. One deception leads to another, and he lies to his Uncle Nate about joining the local swim team, not wanting to explain his fear of the dark salt water. When Sumi, a budding marine biologist, asks him to be her research assistant, he jumps at the chance to make some money. But he gets into a lot more than he bargained for. Soon he will have to face his greatest fears and give up his secrets forever. Bulion's satisfying novel is further enhanced by a rich ensemble of supporting characters, interesting facts about marine life, and a text that perfectly captures the special rhythms of small town seaside living.
Uncharted Waters: The New Economics of Water Scarcity
Ninety-nine days remain in Isobel Amsel's sentence, and the world keeps spinning - just not for Isobel. Her twin brother disappears for unknown reasons, and she’s left pacing in her cage like a tiger. While Isobel's rebellious adopted daughter, Sao Jin, keeps her on her toes, Riot is left to sort out his crumbling finances. And find a ring, which proves far more difficult than he imagined. With Isobel’s release date closing in, Riot tries to sort out his life, his motivations, and his impending wedding, while Bel faces the question of what marriage and motherhood really mean. A suspenseful Victorian mystery with a strong female lead and a romantic detective duo in San Francisco’s lawless Barbary Coast. Fans of Laurie R. King, Deanna Raybourn, and C.S. Harris will love this thrilling historical mystery series.
God wants to speak to us In life, sometimes things arent as they seem. The harbor looks so peaceful, so comfortable, but is it? We search for satisfaction anchored in the harbor, but God has called us for a life of bold adventure out in the uncharted waters. In opposition, the world distracts us with the illusion that material possessions, prestigious titles, and superficial beauty will deliver satisfaction. This distraction creates an insatiable thirst for peace that cant be quenched without a close relationship with God. When we leave the seemingly safe confines of the harbor and explore the deep, life-giving waters, we find truth and fulfillment of our identities in Him. Reducing the distractions of our busy lives, while connecting with God and other believers in community, will transform and transport us to our God-given destinations. These revelations provide us the peace we have been seeking all along. Are you ready to answer the call?
The 21st century will witness the collision of two powerful forces - burgeoning population growth, together with a changing climate. With population growth, water scarcity will proliferate to new areas across the globe. And with climate change, rainfall will become more fickle, with longer and deeper periods of droughts and deluges. This report presents new evidence to advance understanding on how rainfall shocks coupled with water scarcity, impacts farms, firms, and families. On farms, the largest consumers of water in the world, impacts are channeled from declining yields to changing landscapes. In cities, water extremes especially when combined with unreliable infrastructure can stall firm production, sales, and revenue. At the center of this are families, who feel the impacts of this uncertainty on their incomes, jobs, and long-term health and welfare. Although a rainfall shock may be fleeting, its consequences can become permanent and shape the destiny of those who experience it.Pursuing business as usual will lead many countries down a 'parched path' where droughts shape destinies. Avoiding this misery in slow motion will call for fundamental changes to water policy around the globe. Building resilience to rainfall variability will require using different policy instruments to address the multifaceted nature of water. A key message of this report is that water has multiple economic attributes, each of which entail distinct policy responses. If water is not managed more prudently--from source, to tap, and back to source--the crises observed today will become the catastrophes of tomorrow.
A forbidden love can no longer be denied in this reader favorite from New York Times bestselling author Linda Castillo! Hardened hero Drew Evans thought his tragic past was behind him, until the woman he secretly loves—his best friend’s widow—steps back into his solitary life. But single mom Alison Myers is in need of his help to save her ailing son—and quench her own hidden longings. Alison never expected to see devastatingly handsome Drew again, the one man who makes her feel the forbidden stirrings of passion. But can she trust him with the two most precious things in her life…her son and her heart? Originally published in 2003