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What the financial diaries of working-class families reveal about economic stresses, why they happen, and what policies might reduce them Deep within the American Dream lies the belief that hard work and steady saving will ensure a comfortable retirement and a better life for one's children. But in a nation experiencing unprecedented prosperity, even for many families who seem to be doing everything right, this ideal is still out of reach. In The Financial Diaries, Jonathan Morduch and Rachel Schneider draw on the groundbreaking U.S. Financial Diaries, which follow the lives of 235 low- and middle-income families as they navigate through a year. Through the Diaries, Morduch and Schneider challenge popular assumptions about how Americans earn, spend, borrow, and save—and they identify the true causes of distress and inequality for many working Americans. We meet real people, ranging from a casino dealer to a street vendor to a tax preparer, who open up their lives and illustrate a world of financial uncertainty in which even limited financial success requires imaginative—and often costly—coping strategies. Morduch and Schneider detail what families are doing to help themselves and describe new policies and technologies that will improve stability for those who need it most. Combining hard facts with personal stories, The Financial Diaries presents an unparalleled inside look at the economic stresses of today's families and offers powerful, fresh ideas for solving them.
Any study of communication must take into account the nature and role of speech acts in a broad context. This book addresses questions such as: - What do we mean? - How do we say it? and - How is it understood? in the broad context of universal, socio-cultural and psychological issues that bear on human communication. It presents an overview of current issues in speech act theory that are at the center of human and social sciences dealing with language, thought and action, building on John Searle's famous article 'How Performatives Work' (included in this book). The contributions by linguists, psychologists, computer scientists, and philosophers thus address issues of communication that are crucial in conversation analysis, cognitive science, artificial intelligence, psychology and philosophy, and a general understanding of how we communicate. The book is suitable for courses with an extensive bibliography for further reading and an Index.
An overview of the rapidly growing field of ant colony optimization that describes theoretical findings, the major algorithms, and current applications. The complex social behaviors of ants have been much studied by science, and computer scientists are now finding that these behavior patterns can provide models for solving difficult combinatorial optimization problems. The attempt to develop algorithms inspired by one aspect of ant behavior, the ability to find what computer scientists would call shortest paths, has become the field of ant colony optimization (ACO), the most successful and widely recognized algorithmic technique based on ant behavior. This book presents an overview of this rapidly growing field, from its theoretical inception to practical applications, including descriptions of many available ACO algorithms and their uses. The book first describes the translation of observed ant behavior into working optimization algorithms. The ant colony metaheuristic is then introduced and viewed in the general context of combinatorial optimization. This is followed by a detailed description and guide to all major ACO algorithms and a report on current theoretical findings. The book surveys ACO applications now in use, including routing, assignment, scheduling, subset, machine learning, and bioinformatics problems. AntNet, an ACO algorithm designed for the network routing problem, is described in detail. The authors conclude by summarizing the progress in the field and outlining future research directions. Each chapter ends with bibliographic material, bullet points setting out important ideas covered in the chapter, and exercises. Ant Colony Optimization will be of interest to academic and industry researchers, graduate students, and practitioners who wish to learn how to implement ACO algorithms.
From the makers of OET.Test and build your English skills with this official OET Nursing resource. This Practice Test Book includes:* Three OET practice tests with answer keys* An overview of OET and how the test is scored* The Test-Taker's Information Guide* Key assessment criteria* Useful language information.***Want to buy both print and kindle versions?***Buy the print book from Amazon.com and you will be given the option to purchase the kindle book at a heavily discounted price.
Letters, diaries, memoirs, conduct books and early feminist pamphlets: Essays in Defence of the Female Sex: Custom, Education, and Authority in Seventeenth-Century England is a two-part, text-based volume on the pivotal figures and most distinctive, sometimes contradictory, aspects of the querelle des femmes in Stuart England. Background information is given through male and especially female-authored sources, while the close analysis of [Hanna Woolley]’s, Bathsua Makin’s, Marry Astell’s, Judith Drake’s and Eugenia’s most renowned tracts sheds light on women’s difficult path towards emancipation. Addressed to both specialist and non-specialist readers, Essays in Defence of the Female Sex will also explain why–and to what extent–early feminist pamphleteering combined theory with practice, tradition with innovation, reality with utopia.
This collection of essays spans pure and applied mathematics. Readers interested in mathematical research and historical aspects of mathematics will appreciate the enlightening content of the material. Highlighting the pervasive nature of mathematics today in a host of different areas, the book also covers the spread of mathematical ideas and techn
Volker Rabens answers the question of how, according to the apostle Paul, the Holy Spirit enables religious-ethical life. In the first part of the book, the author discusses the established view that the Spirit is a material substance which transforms people ontologically by virtue of its physical nature. In order to assess this "Stoic" reading of Paul, the author examines all the passages from the Hebrew Bible, early Judaism, Hellenism and Paul that have been put forward in support of this concept of ethical enabling. He concludes that there is no textual evidence in early Judaism or Paul that the Spirit was conceived as a material substance. Furthermore, none of these or any of the Graeco-Roman writings show that ethical living derives from the transformation of the "substance" of the person that is imbued with a physical Spirit. The second part of the study offers a fresh approach to the ethical work of the Spirit which is based on a relational concept of Paul's theology. Rabens argues that it is primarily through initiating and sustaining an intimate relationship with God the Father, Jesus Christ, and with the community of faith that the Spirit transforms and empowers people for ethical living. The author establishes this thesis on the basis of an exegetical study of a variety of passages from the Pauline corpus. In addition, he demonstrates that Paul lived in a context in which this dynamic of ethical empowering was part of the religious framework of various Jewish groups.
Combine business sense, statistics, and computers in a new and intuitive way, thanks to Big Data Predictive analytics is a branch of data mining that helps predict probabilities and trends. Predictive Analytics For Dummies explores the power of predictive analytics and how you can use it to make valuable predictions for your business, or in fields such as advertising, fraud detection, politics, and others. This practical book does not bog you down with loads of mathematical or scientific theory, but instead helps you quickly see how to use the right algorithms and tools to collect and analyze data and apply it to make predictions. Topics include using structured and unstructured data, building models, creating a predictive analysis roadmap, setting realistic goals, budgeting, and much more. Shows readers how to use Big Data and data mining to discover patterns and make predictions for tech-savvy businesses Helps readers see how to shepherd predictive analytics projects through their companies Explains just enough of the science and math, but also focuses on practical issues such as protecting project budgets, making good presentations, and more Covers nuts-and-bolts topics including predictive analytics basics, using structured and unstructured data, data mining, and algorithms and techniques for analyzing data Also covers clustering, association, and statistical models; creating a predictive analytics roadmap; and applying predictions to the web, marketing, finance, health care, and elsewhere Propose, produce, and protect predictive analytics projects through your company with Predictive Analytics For Dummies.