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The Emerald Handbook of Fintech: Reshaping Finance by H. Kent Baker, Greg Filbeck, Keith Black
English | October 4, 2024 | ISBN: 1837536090 | 528 pages | MOBI | 14 Mb
The rapidly growing fintech market reflects new technology that seeks to improve and automate the delivery and use of financial services. Regulation changes have provided new opportunities in crowdfunding and peer-to-peer (P2P) lending. At the same time, technological advances have made artificial intelligence (AI) and machine learning (ML) accessible to practitioners without a programming background. New markets in cryptocurrencies and digital assets promise to make finance more global with lower transaction costs and faster transaction processing times. Additionally, robo-advisors and online trading make financial markets more accessible to investors, even those younger or just making their first investments.

The Emerald Handbook of Fintech offers a detailed, user-friendly examination of the technologies and products reshaping the financial technology industry from leading global scholars and practitioners. Innovative companies can review the state of the industry in a way that may allow them to envision their role or niche in this fast-growing, ever-evolving industry. Most importantly, incumbent firms can view the rate of change and plan for how they can keep pace with these innovations to profit from change.
Given the interplay among rapidly evolving regulations, technologies, and products, academics, practitioners, and students should view fintech's risks and potential opportunities from this holistic perspective.

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The Empty Bowl: Pursuing Truth in a Messy World by Rikki West
English | January 14, 2025 | ISBN: 164742822X | 352 pages | PDF | 5.12 Mb
Perfect for readers who seek understanding of how they fit into the universe, Rikki West's vibrant memoir follows her journey of confronting hidden assumptions and childhood trauma on the way to finding her life's vibrant, living truth.

At seven, Rikki West begs a mysterious God for help, praying that her drunk father won't harm their family and that he won't be sent to hell. But when nothing seems to happen, she worries: Is anyone up there really listening?
This question triggers a lifelong search for the great, loving being she imagines her prayers might reach. Delving into Catholicism, psychedelics, transcendental meditation, yoga, AA and Buddhist chanting, she explores every available path. She studies genetic science at UC Berkeley and humanities at San Francisco State, combing through the knowledge they offer for answers to the big questions.
A single lesbian mom, Rikki soars in her Silicon Valley career until the dot-com bust leads to the loss of opportunities. At age 56, she finds herself barely employable. Yet, with bills to pay and the drive to earn her own way, Rikki seeks whatever odd jobs she can patch together, from barista and gardener to deck builder, proposal writer, newspaper deliverer, and substitute teacher.
Along the way, she keeps up her questioning of the universe. But it is only when she throws overboard all her notions of God and truth that something unexpected and wonderful blossoms in her. At the age of seventy-one, Rikki recognizes her answer-in the most surprising place.
The place called "I."

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The Encyclopedia of Desserts: 400 Internationally Inspired Sweets and Confections (Encyclopedia Cookbooks) by The Coastal Kitchen
English | May 16, 2023 | ISBN: 1646434102 | 560 pages | MOBI | 38 Mb
Coconut, chocolate, vanilla, berry, caramel, cream-whatever you're craving, The Encyclopedia of Desserts has it with 400 irresistible recipes for every sweet tooth.

Sometimes you just want a sugar cookie, and other times you absolutely need a torte. Whether you want to whip up a quick treat or dazzle everyone at your holiday party, these simple recipes and tried-and-true techniques guarantee that you'll rise to the occasion. This clean and uncluttered format is organized from A to Z, so you can quickly find any recipe when your sweet tooth strikes. Easily make these scrumptious goodies from scratch with minimal equipment. With a wide range of internationally inspired delights, you can enjoy a world of treats in one book.
Inside you'll find:400 sweet and savory recipes for cakes, pies, cookies, bars, pastries, puddings, custards, candies, drinks, and moreGluten-free, keto, and vegan dessert optionsHelpful tips and techniques to ensure every batch is perfection
Ditch the box mixes and ready-made cookies at the supermarket. From decadent desserts to everyday treats, with this cookbook at your side, baking is a piece of cake. Delight your friends and family as they go back for seconds (and thirds) with The Encyclopedia of Desserts.

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The Encyclopedia of Seasoning: 350 Marinades, Rubs, Glazes, Sauces, Bastes and Butters for Every Meal (Encyclopedia Cookbooks) by The Coastal Kitchen
English | June 6, 2023 | ISBN: 1646433742 | 576 pages | MOBI | 62 Mb
With 350 recipes for flavor-packed marinades, rubs, glazes, sauces, bastes, and butters, The Encyclopedia of Seasoning will transform any meal.

Craving something spicy or sweet? With 350 chili sauces, citrusy marinades, smoky rubs, and more, you can find something for every appetite. These versatile recipes are perfect for meats, vegetables, and seafood alike. Build your own signature seasonings or mix and match flavor profiles to create mouthwatering dishes.
Inside you'll find:350 bold seasoning recipes to overhaul your cooking repertoireStunning photography to inspire your next mealTips for pairing flavor profiles and proteinsUse these recipes in the kitchen or at the grill to create your own bespoke dishes. From kebabs to smoked fish, roasted veggies, and glazed ribs, deliver maximum flavor with every meal with The Encyclopedia of Seasoning.

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The Flexitarian Cookbook: Adaptable recipes for part-time vegetarians and vegans by Ryland Peters & Small
English | January 14, 2025 | ISBN: 1788796713 | 144 pages | MOBI | 12 Mb
Do you want to adopt a more FLEXIBLE approach to your diet?

Looking for less of a rigid regime, and more of an ORGANIC way to eat a mainly VEGETARIAN diet?
Delve into this collection of DELICIOUS, MODERN, VEGETARIAN recipes, with simple options for switching in meat or fish as the mood takes you.
Many of us are looking to eat less meat and/or fish, as the host of environmental, ethical, and health-related reasons for doing so stacks up. The concept of not centring every meal around an animal-based protein is well on its way to settling into mainstream society. But out there, there is a whole middle-ground of home-cooks, placed somewhere between carnivore and vegan, who are doing their best to reduce meat consumption, but enjoying it on occasion when the urge strikes; the flexitarians.
Recipes include a warm curried lentil salad with crispy paneer and spiced dressing, but the paneer can be swapped for crispy prawns/shrimp if you are looking to add some more protein. A winter vegetable stew with herbed dumplings is substantial enough on its own, but this cookbook gives the option to add slow-cooked beef cheeks, if you like. A best-ever recipe for vegetable and lentil moussaka offers the option to swap the lentils for regular mince/ground meat, while the Moroccan spiced vegetable tagine gives an option for cooking with chicken, if the mood so takes you.

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The Flipped Approach to Higher Education : Designing Universities for Today's Knowledge Economies and Societies By Muhammed Sahin; Caroline Fell Kurban
2016 | 254 Pages | ISBN: 1786357445 | EPUB | 1 MB
From the world's first completely flipped institution, the authors address the socio-economic and socio-technical nature of today's world and how this impacts what is needed from the education sector, outlining how and why they adopted Flipped Learning as the transformative approach required to meet these needs, and definitively describe the organizational design process needed to establish a Flipped institution, from physical and geographical infrastructure, to human and intellectual capital. Included in this book are chapters in which administrators, pedagogical and technical support staff, instructors and students share their experiences and lessons learned in the first year and how the Flipped approach has impacted their education experience. These experiences are then used to develop performance improvement initiatives for leadership, institutional commitment, the infrastructure, and instructor and student support and development.

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The Fog of Reform : Getting Back to a Place Called School By George A. Goens
2016 | 173 Pages | ISBN: 1475826966 | EPUB | 1 MB
American public education has been on a merry-go-round of change for the past 40 years. We made something that is complex by its very nature into a strangled enterprise that is becoming even more knotty and complicated. A fog of reform is created obscuring issues and deflecting our focus from the real mission of schools. We need to emphasize ideals and principles in providing an education for our children in a caring and creative way. This book is about the fog of reform and getting back the ideal of a place called school. The sections describe a new metaphor and approach to change and examine the forces and ideals that can bring about the schools children need. Principles and values transform organizations, not mandates and fear. Recipes for making schools into caring places for children do not exist. Great schools must be created one-by-one. Numbers don't create change; people and passion do. Unless we focus on the moral imperative of educating children, we will fail them and possibly slide into an ethical quagmire.

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The History of the Internet in Byte-Sized Chunks by Chris Stokel-Walker
English | May 7, 2024 | ISBN: 1789295599 | 224 pages | PDF | 3.42 Mb
A fascinating, accessible and expertly written introduction to the most important invention in human history.

The internet is everywhere. But how did it start? How has it changed? And what will it look like in the future?
No development in human history has changed the world as radically, or as quickly, as the advent of the internet. There's almost no aspect of 21st-century life that it hasn't shaped or fundamentally altered, for better or for worse. But the history of the internet is longer than you might think. Its foundations stretch as far back as the 1960s, decades before it would become an accessible and inescapable part of everyday life.
In this new entry in the bestselling Bite-Sized Chunks series, author and journalist Chris Stokel-Walker traces the internet from its (relatively) humble beginnings to the ubiquitous force that exists today, from email and dial-up to social media and the metaverse.
Breaking down complex concepts around how the world wide web works, how it has changed over time, and the effects it has had on the world as we know it, as well as explaining key terminology and spotlighting important figures, The History of the Internet in Byte-Sized Chunks explains everything you need to know about this era-defining technology in short, easy-to-digest chapters.

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The HIV Monologues By Patrick Cash
2016 | 38 Pages | ISBN: 1786820641 | EPUB | 1 MB
He's just your type. But hold on. He's about to tell you he's got HIV. How will you respond emotionally? Brush it aside and practise safe sex? Go on to a deeper relationship? Or do you walk away? It's not easy for him either. He's falling in love with you, by declaring his health status he risks an end to the relationship when it's hardly begun. In THE HIV MONOLOGUES four characters live and work in a world occupied by the virus which brings danger and stigma. Two of them fall in love: Nick has the virus, Alex doesn't. But in the shadow of HIV can their new-found relationship survive? In these eloquently interwoven and often funny monologues Patrick Cash invites you to explore these feelings of living with a virus that attacks the emotions as well as the body.

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The Illustrated Histories of Everyday Expressions (Discover the True Stories Behind the English Language's 64 Most Popular Idioms (Etymology Book, ... English Grammar and Idioms, Gift for Readers) by James McGuire, Alex Kalomeris
English | January 28, 2019 | ISBN: 1732512604 | 144 pages | PDF | 6.84 Mb
The Illustrated Histories of Everyday Expressions uncovers the fascinating, humorous, and often unbelievable origin stories behind the English language's most common sayings!

Nobody thinks twice about sayings like bite the bullet and the cat's out of the bag. But the strange and wonderful origins of these expressions are far from arbitrary: They are rooted in forgotten history. Within this book, you will discover the origins of idioms like:Why we say an unwell person is under the weather. It goes back to when sickly sailors and seafarers had to rest below deck!How come sitting in the passenger seat of a vehicle is called riding shotgun." In the Wild West, passengers had a crucial job: packing heat and preventing highway robberies!What's up with the phrase, cat got your tongue. Here's a hint: It doesn't have anything to do with cats!With over 100 pieces of original artwork, The Illustrated Histories of Everyday Expressions is as beautiful as it is entertaining and informative. Read up on this fascinating history of the English language's 64 most popular idioms, and you will know what it really means when you say pass with flying colors, bury the hatchet, and rest on your laurels!

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The Man from the Third Row : Hasse Ekman, Swedish Cinema and the Long Shadow of Ingmar Bergman By Fredrik Gustafsson
2016 | 176 Pages | ISBN: 1785332503 | PDF | 1 MB
Until his early retirement at age 50, Hasse Ekman was one of the leading lights of Swedish cinema, an actor, writer, and director of prodigious talents. Yet today his work is virtually unknown outside of Sweden, eclipsed by the filmography of his occasional collaborator (and frequent rival) Ingmar Bergman. This comprehensive introduction-the first ever in English-follows Ekman's career from his early days as a film journalist, through landmark films such as Girl with Hyacinths (1950), to his retirement amid exhaustion and disillusionment. Combining historical context with insightful analyses of Ekman's styles and themes, this long overdue study considerably enriches our understanding of Swedish film history.

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The Many Faces of Coincidence By Laurence Browne
2017 | 275 Pages | ISBN: 1845409159 | EPUB | 1 MB
Although much has been said and written about coincidences, there is a marked absence when it comes to the development of a comprehensive model that incorporates the many different ways in which they can be understood and explained. One reason for this omission is undoubtedly the sharp divide that exists between those who find coincidences meaningful and those who do not, with the result that the conclusions of the many books and articles on the subject have tended to fall into distinct camps. The Many Faces of Coincidence attempts to remedy this impasse by proposing an inclusive categorisation for coincidences of all shapes and sizes. At the same time, some of the implications arising from the various explanations are explored, including the possibility of an underlying unity of mind and matter constituting the ground of being.

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The Many Voices of Contemporary Piedmontese Writers By Andrea Raimondi
2016 | 224 Pages | ISBN: 144389964X | PDF | 1 MB
What do Cesare Pavese, Beppe Fenoglio and Primo Levi have in common? Apart from their obvious Piedmontese origins, they and other writers coming from this Italian region share a certain tendency towards multilingualism, which is a characteristic that has not been comprehensively investigated over the years. This study presents a linguistic analysis of a group of modern and contemporary narratives written by Piedmontese authors. The novels and short stories here examined are notable for the intriguing way in which they move between a variety of idioms - Standard Italian, regional vernaculars, English and pastiches (with rare excursions into French). With the support of linguistic and philosophical theories on the relation between identity, alterity and language, the book demonstrates how the use of non-standard parlances is fundamental in both reinforcing the sense of belonging to specific social groups and highlighting the presence of dissimilar identities and 'other' cultures. A sociolinguistic study and an analysis of the political and historical context of the region are also provided in order to illustrate how the combination of different varieties in literature reflects the region's peripheral position, as well as the political and social changes that have occurred in Piedmont since the nineteenth century. This book fills a notable gap, and casts new light on Piedmontese literature.

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The Marriage Checkup : A Scientific Program for Sustaining and Strengthening Marital Health By James V. Córdova; James V C Rdova
2009 | 286 Pages | ISBN: 0765706393 | PDF | 1 MB
The Marriage Checkup is designed to help couples assess the strengths and weaknesses of their relationship and to develop strategies for strengthening its health. Like physical health, the health of a relationship can be developed to greater levels of fitness and resilience to illness. Thus, even healthy couples can benefit from a marital health perspective by developing exercises for optimizing their health and fitness. This book primarily serves couples interested in improving the health of their relationship. Counselors and therapists may recommend that their couples-patients use the book. Additionally, the book may be of interest to professors of marriage and family counseling.

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The Marriage Makeover : 10 Days to a Stronger More Intimate Relationship By Philip Wagner
2014 | 108 Pages | ISBN: 1780782241 | EPUB | 1 MB
A 10-Day Plan to Turn Around Your Marriage Does the idea that you could have a complete marriage makeover in ten days seem simplistic to you? Does it seem like an impossibility? Do you think I'm overpromising or trivializing what you are facing? You might be thinking, "Philip, do you really think people can solve any marriage problem in ten days? Give me a break!!" Here is what I know: in ten days, you can radically change the environment of your marriage from hostile to trusting, from cold to warm, or from distant to embracing. In ten days you can drastically change the tone of your relationship and you can create the environment in which any problem can be worked on in a safe and promising atmosphere. Whether you are here because you have run a few red lights in your relationship, or because it's a total wreck, I want to welcome you and offer you this simple encouragement: You can turn your marriage around! You don't have to do something terrible to mess up your marriage; you just have to do "nothing." Something as important as love, left to itself, can gravitate to the lowest level of passion. In The Marriage Makeover, I am going to give you ideas for refreshing ten different areas of your marriage relationship. I've structured the book with ten short chapters so that you can read one each day. This works. It is simple, the chapters are not long, and the advice is not complicated. But that does not mean it is easy. Growth demands vulnerability and trust. You will experience uncomfortable emotions. You will face resistance. You may even question if you are getting anything out of this process, but if you give the biblically based truths in this book a chance, I guarantee you will see a change. Put your heart and soul into this and you will not be disappointed. FOREWORD: By Holly Wagner, bestselling author of GodChicks book series.

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