Rabu, 25 September 2013

[C523.Ebook] Free PDF Credit Ratings: Methodologies, Rationale and Default Risk, by Michael K. Ong

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Credit Ratings: Methodologies, Rationale and Default Risk, by Michael K. Ong

In a time of numerous corporate failures, companies need to be increasingly certain that they are minimising their risk and managing their exposures (such as corporate lending) correctly. This title comprises critical analysis and discussion on the methodologies used and implemented by, not only the major rating agencies, who are involved in producing public ratings, but also those rating systems used internally by institutions. This title brings together views from the ratings agencies themselves, the founders of different rating systems, credit practitioners involved in implementing their own internal rating systems and those who represent the regulatory bodies that are monitoring ratings processes. Additionally, this book offers insight on corporate failures - such as Enron - in relation to how different aspects of rating and scoring systems may be flawed. The reader is also provided with background information on the Basel Committee's "Internal Ratings Based Approach" that they should be aware of when implementing their own internal ratings systems.

  • Sales Rank: #3051507 in Books
  • Published on: 2002-10-29
  • Original language: English
  • Number of items: 1
  • Dimensions: 5.15 pounds
  • Binding: Hardcover
  • 535 pages

Review
The book contains a wealth of useful ideas. People concerned with credit risk evaluation will find it a useful acquisition. -- John Hull

About the Author
Dr. Michael K. Ong is an Executive Vice President and Chief Risk Officer for the Americas for Credit Agricole Indosuez in New York. He has enterprise-wide responsibility for all risk management functions for the Carr Futures Group globally and CAI's North American entities. He is a member of the Executive Committee and additionally, he is a member of the board for Carr Global Advisors. Before joining Credit Agricole Indosuez Michael was the senior vice president and head of enterprise risk for ABN Amro Bank. There he was responsible for the management of information and decision support function for the executive committee on enterprise-wide market, operational, credit and liquidity risk, as well as RAROC and ROE models. Prior to this Michael headed the corporate research unit at First Chicago NBD Corporation, where he was chair of the global risk management research council and head of the market risk analysis unit. He was previously also responsible for quantitative research at Chicago Research and Trading Group (now Nations Banc-CRT) and has served as an assistant professor of mathematics at Bowdoin College. Michael is also an adjunct professor at the Stuart School of Business of the Illinois Institute of Technology. He received a BS degree in physics, cum laude, from the University of the Philippines and degrees of MA in physics and MS and PhD in applied mathematics from the State University of New York at Stony Brook. Michael is a member of the editorial boards of the Journal of Financial Regulation and Compliance and the Journal of Risk.

Most helpful customer reviews

4 of 6 people found the following review helpful.
A Taxonomy of Credit Models
By A Customer
This well edited collection of the most critical and state-of-the-art models in both asset-level and portfolio credit models is a must have for any serious practitioner in the credit markets.
The subjects range from simple loan scoring approaches to complex CDO portfolio rating approaches and span every asset and approach in-between.
An excellent reference for credit risk managers and portfolio managers alike.

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Selasa, 17 September 2013

[Q922.Ebook] Ebook Silent Steel: The Mysterious Death of the Nuclear Attack Sub USS Scorpion, by Stephen Johnson

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Silent Steel: The Mysterious Death of the Nuclear Attack Sub USS Scorpion, by Stephen Johnson

Praise for Silent Steel

"The magnitude of the tragedy of the USS Scorpion is matched only by the depth of the mystery surrounding her loss. Stephen Johnson has done a remarkable job of shining new light on this dark moment in U.S. submarine history."
--Sherry Sontag, coauthor of Blind Man's Bluff: The Untold Story of American Submarine Espionage

"What happened to the USS Scorpion? The question has vexed submariners for almost four decades. Now, with meticulous research and incredible attention to detail, Stephen Johnson examines and dissects one of the most tragic and mysterious submarine accidents in U.S. Navy history."
--Douglas Waller, author of Big Red: Inside the Secret World of a Trident Nuclear Submarine

"Stephen Johnson has crafted a forensic masterpiece that leads the reader back through time to unravel the gnawing enigma of the tragic 1968 loss of the nuclear attack submarine USS Scorpion. Sifting through a maze of conflicting theories, he meticulously lays out a tale of undersea detectives searching for conclusive evidence to one of the most baffling mysteries of the cruel sea."
--Rear Admiral Thomas Evans, author, analyst specializing in submarine history and operations, and former officer on the Scorpion

"The manuscript arrived with yesterday's afternoon mail. I finished reading it by nightfall. It's that good! Thoroughly researched, impeccably documented, with an appealing and literate style, Silent Steel should become essential reading for submarine enthusiasts and for anyone else who enjoys an engaging and informative yarn."
--A. J. Hill, author of Under Pressure: The Final Voyage of Submarine S-Five

  • Sales Rank: #456134 in Books
  • Published on: 2006-01-06
  • Original language: English
  • Number of items: 1
  • Dimensions: 9.63" h x 1.06" w x 6.44" l, 1.25 pounds
  • Binding: Hardcover
  • 304 pages

From Publishers Weekly
Johnson painstakingly details the last 18 months of the Cold War–era fast-attack nuclear submarine U.S.S. Scorpion, which disappeared with all hands on May 22, 1968, in the mid-Atlantic. Commissioned in 1960, the Scorpion tested nuclear sub warfare tactics in exercises around the world until its final voyage following four months of duty with the Sixth Fleet in the Mediterranean. When the ship didn't emerge at its homeport of Norfolk, Va., on its scheduled arrival date of May 27, 1968, the navy launched its largest search in U.S. naval history and reported the ship and its 99 crewmen officially dead on June 5. Four months later, the navy located pieces of the ship's hull in more than 10,000 feet of water. Further investigations came to no definitive conclusion about what caused the demise of the Scorpion. Was it a Soviet attack? Did one of the Scorpion's torpedoes accidentally detonate? Did its hull crack due to poor maintenance? Did its main storage battery explode? Mining navy documents and first-person testimony, Johnson's deeply researched effort explores these and other possible explanations, but concludes that the ship's end will remain an enigma. (Jan.)
Copyright © Reed Business Information, a division of Reed Elsevier Inc. All rights reserved.

From Booklist
On February15, 1968, nuclear attack submarine USS Scorpion left Norfolk, Virginia. On May 22, 1968, the Scorpion, with 99 men aboard, was lost in the Atlantic. After 37 years, a court of inquiry, and three undersea investigations--the latter two headed by Dr. Robert Ballard, best known for his discovery of the Titanic--why the sub sank has not been determined. Johnson offers a very readable account of the very tragic mystery, complete with sketches of crew members and a well--delineated picture of the naval and submarine culture of that time. While he describes the evidence generated by all three investigations, the question of what caused the Scorpion to implode and smash with such force on the floor of the Atlantic is still a controversy. Frieda Murray
Copyright © American Library Association. All rights reserved

Review
"Silent Steel ably succeeds as a thriller, a tragedy, a mystery and a snapshot of history." (The Virginian-Pilot)

"Johnson exhaustively explores everything known about the vessel's final year-and-a-half of operation. An engrossing documentation of haunting, grisly what-ifs." (Kirkus Reviews)

Johnson painstakingly details the last 18 months of the Cold War–era fast-attack nuclear submarine U.S.S. Scorpion, which disappeared with all hands on May 22, 1968, in the mid-Atlantic. Commissioned in 1960, the Scorpion tested nuclear sub warfare tactics in exercises around the world until its final voyage following four months of duty with the Sixth Fleet in the Mediterranean. When the ship didn't emerge at its homeport of Norfolk, Va., on its scheduled arrival date of May 27, 1968, the navy launched its largest search in U.S. naval history and reported the ship and its 99 crewmen officially dead on June 5. Four months later, the navy located pieces of the ship's hull in more than 10,000 feet of water. Further investigations came to no definitive conclusion about what caused the demise of the Scorpion. Was it a Soviet attack? Did one of the Scorpion's torpedoes accidentally detonate? Did its hull crack due to poor maintenance? Did its main storage battery explode? Mining navy documents and first-person testimony, Johnson's deeply researched effort explores these and other possible explanations, but concludes that the ship's end will remain an enigma. (Jan.) (Publishers Weekly, October 31, 2005)

Most helpful customer reviews

48 of 50 people found the following review helpful.
Remembering the sailors and the ship.
By M. Chapman
USS Scorpion's sinking remains a controversial topic more than 35 years later. But the focus has always been on the ship and not on the crew, all of whom perished aboard the submarine.

Stephen Johnson deftly weaves the personal stories of crew members with that of the ship itself. Scorpion was a cranky, failure-prone submarine and her crew had to work doubly hard to keep her in service. The never-ending failures and breakdowns caused at least one crew member to transfer off the ship, though his guilt haunted him for the rest of his life.

Along the way we see that the Navy hadn't learned its lesson from the sinking of the Thresher just five years earlier. Though Scorpion had been back-fitted with several "SUBSAFE" modifications, her emergency-blow system remained inoperable due to design defects for the rest of her brief life. The Navy seemed more interested in holding repair costs down, rather than the safety of a nuclear warship and her crew.

Johnson's style is subtle and understated, and is thus more effective at conveying the human tragedy of the sinking than the semi-hype of Sherry Sontag/Christopher Drew ("Blind Man's Buff") or John Craven ("The Silent War").

Those looking for a definitive explaination of the sinking may be disappointed -- as with many technical failures, there are far more questions than answers.

Intriguing, sobering, ultimately very sad, and very worthy. A tribute to those who died beneath the restless sea. Highly recommended.

65 of 70 people found the following review helpful.
In defense of John Craven
By Jeffrey F. Bell
I agree with most other reviewers that this is the most comprehensive unclassified discussion of the SCORPION sinking. But it is not a balanced analysis.

The author treats all theories equally -- except those of Dr. John Craven. He goes out of his way to denigrate Craven and everything he said or wrote about this incident. Inflammatory wording and tortured logic abound in these sections of the book.

It's true that Craven's original idea of a circular torpedo run is untenable. But the modified theory he described in his memoir THE SILENT WAR is the only one that fits the observed condition of the wreckage:

-- The torpedo room is the only part of the wreck without implosion damage, so it must have been already flooded and open to sea pressure when SCORPION sank below crush depth.

-- The torpedo room deck hatches are missing and since they open outward they must have been blown off by high internal pressure.

-- The logical source of overpressure in that compartment is a low-order detonation of an overheated torpedo warhead. Such "cook-off" detonations actually occured on SARGO in 1960.

Given SCORPION's decaying internal systems, the fire might not have been caused by the controversial batteries in the Mk-37 torpedo, but rather leaking hydraulic oil or oxygen. In that case the warhead cook-off might not have been in one of the Mk-37s but rather in an old Mk-14 -- or even one of the two nuclear Mk-45 ASTORs.

I found it curious that these torpedos and their W34 nuclear warheads are hardly mentioned in this book, or any other account of this sinking. After all, this is the only time a US warship has sunk with nukes on board and their status and possible role in the sinking must have been the top priority of the investigation. But a little thought convinced me that these invisible torpedos make Craven's model even more credible.

Modern nuclear bombs use insensitive high explosive triggers but the W34 was designed in the mind-50s before this safety feature was introduced. Several Air Force bombs of this vintage cooked-off in fuel fires. The amount of HE in a mini-nuke is a lot smaller than that in a conventional warhead and would make a smaller bang, less likely to chain-detonate the other torpedos and more consistent with the light damage and weak sound signature observed. In fact by substituting a Mk-45 torpedo for the Mk-37, one overcomes almost all of the objections to an internal torpedo explosion.

43 of 46 people found the following review helpful.
My Ship
By William Lee
I have been talking to Steve for over the last 3 years about this book, so it didn't come as a big surprise; but I was very happy about the depth of research and background material that was shown in the book.
I didn't expect any definate answers as to what happened to my shipmates and the boat to go down and there weren't any. What I was glad to see, was documentation on some of the issues that have been speculated about. Hopefully this will stop some of the speculation that has gone on about possible causes of the accident.
I use the word accident on purpose, because I spent two and one half years on the Scorpion from 64-67 and I know there is no way someone on the boat would have done anything to cause what ever sunk it. Having been on two other nuke subs and having been very active the last 5 years with almost 12,000 other subvets in USSVI, I feel now, just I did the day I walked off the Scorpion, that the crew on that boat was really special. They were extremely competent and dedicated to what we were asked to do. Steve talks about them having to fix things when the shipyard and other resources weren't available. This was routine, the whole time I was on it. Thanks in large part to our COB, Wally Bishop, we had no nuc/nonnuc attitudes and were all close friends. It is true that you are closer to some of your shipmates than to those in your family.
Whatever caused the ship to sink, it was not negligence by the crew. There will be another book coming out soon that purports to tell what really happened to it. If you read that book, I would suggest you come back to this book and look at the listed research and Steve's very erudite explanation of it(and that is by no means all the research that Steve did on the book) and then look at what backs up whatever supposed proof that others feel make their viewpoint valid.
I think one of the most important things this books shows is the background of what was going on during the 60s on subs. I can remember twice going out and doing ops because another boat couldn't. I can also remember working on equipment underway because we were not allowed to stay in port to fix things that didn't work.
Cdr. Lewis, as described in Steve's book, was a master skipper. I think anyone in the crew would have done whatever he asked with full confidence that he would get us back safe and alive.
I could tell a lot of stories about Admiral Fountain, but I also learned a lot about him later and came to realize why he was the way he was. He may not have been the most personable officer, but he was very good at his job and helped us be the best we could at what we did.Being the XO, is not going to win you awards for most liked officer anyway. Someone else, while not mentioned in the Book, but responsible for the high standards set by the officers, was LCDR Apple, the engineer when I was on the Scorpion. He set up expectations for the engineering department, that I am sure were carried on until the end.
Wally Bishop was a hero to all of us while we served with him. He of course will be a hero always now. My best friend ever, Bob Chandler, went down with the boat as did most of the people I served with. I think they all deserve the respect they are entitled to and was glad to see that Steve recogized this and treated them with such respect.
I am glad that Steve took the time and effort to detail everything that was known about the Scorpion and to not engage in worthless guessing of what happened.
I can't say this is a happy book, but to anyone interested in what is actually known and what was done to find out as much as possible, this book answers those questions.The book also shows what it was like to be on a nuc fast attack in those days. This book is the best that has been written about that subject. We were engaged in a war that no one understood; we on fast attacks had a specific job to do which we did extremly well and to this day, most don't know what it entailed. That is fine. We didn't expect or want people to understand. I just found out the other day that I don't qualify to belong to the VFW because no one handed out any medals to us. I am glad; that is the way it should be.
Read Steve's book and try and understand that we were dedicated and glad to take on the tasks that we were given. I know my buddies never gave up hope and were doing their job in a professional manner until the last second. We also understood every second that we were out there, that something like what happened to the Scorpion could happen.It certainly wasn't the first or second time that some emergency came up that could have turned out bad. We also thought it was worth it for the information that our country gained from our operations. Hopefully the Navy learned things from this experience that caused other lives to be saved.
Thanks Steve, you did a great job with a very difficult subject to write about.
Bill Lee

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Sabtu, 14 September 2013

[Y720.Ebook] Download Governing States and Localities; The EssentialsFrom CQ Press

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This text retains all the hallmarks of Governing States and Localities - a combination of smart scholarship with journalistic writing, the effective deployment of the comparative method as an analytic approach, and the well-developed features that help students compare state and localities: Difference that Makes a Difference, Policy in Practice, Local Focus, and States under Stress - but focuses on the core topics and provides students with a manageable resource.

  • Sales Rank: #346278 in Books
  • Published on: 2014-01-15
  • Original language: English
  • Number of items: 1
  • Dimensions: 9.80" h x .70" w x 7.90" l, 1.55 pounds
  • Binding: Paperback
  • 392 pages

About the Author
Kevin B. Smith is professor of political science at the University of Nebraska-Lincoln and has been studying and teaching state politics and policy for more than twenty years. He has authored or co-authored nine books and dozens of scholarly articles, and is a former associate editor of State Politics & Policy Quarterly. Prior to becoming an academic he covered state and local politics as a newspaper reporter. Alan Greenblatt, a reporter at NPR, has been writing about politics and government in Washington and the states for more than a decade. He won the National Press Club's Sandy Hume award for political journalism while reporting for Congressional Quarterly. During his years at Governing magazine, he covered issues of concern to state and local governments, including budgets, taxes, and higher education. Along the way, he has written about politics and culture for numerous other publications, including the Washington Post and the San Francisco Chronicle.

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0 of 0 people found the following review helpful.
Five Stars
By sweeks
As promised and I love the cheap prices!

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Governing States and Localities; The EssentialsFrom CQ Press PDF
Governing States and Localities; The EssentialsFrom CQ Press PDF

Selasa, 10 September 2013

[D826.Ebook] Download Lonely Planet Trekking in the Indian Himalaya (Travel Guide), by Lonely Planet, Garry Weare

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Lonely Planet Trekking in the Indian Himalaya (Travel Guide), by Lonely Planet, Garry Weare

Lonely Planet: The world's leading travel guide publisher

Our expert author, trekking the Indian Himalaya since 1970, will be your guide to some of the world's most awesome trekking.

This book covers the region's top treks, through the Buddhist villages and high passes of Ladakh, the spectacular mountains and verdant valleys of Himachal Pradesh, and the sacred pilgrimage sites and high-altitude meadows of Uttarakhand. Whether you are an experienced trekker or a first-timer, you're sure to find the ultimate trekking experience here.

  • Everything you need to know to get prepared
  • Comprehensive listings for sleeping, eating and facilities along the way
  • Background on Himalayan culture and religions

Lonely Planet gets you to the heart of a place. Our job is to make amazing travel experiences happen. We visit the places we write about each and every edition. We never take freebies for positive coverage, so you can always rely on us to tell it like it is.

Authors: Written and researched by Lonely Planet and Garry Weare.

About Lonely Planet: Started in 1973, Lonely Planet has become the world's leading travel guide publisher with guidebooks to every destination on the planet, as well as an award-winning website, a suite of mobile and digital travel products, and a dedicated traveller community. Lonely Planet's mission is to enable curious travellers to experience the world and to truly get to the heart of the places they find themselves in.

TripAdvisor Travelers' Choice Awards 2012 and 2013 winner in Favorite Travel Guide category

'Lonely Planet guides are, quite simply, like no other.' - New York Times

'Lonely Planet. It's on everyone's bookshelves; it's in every traveller's hands. It's on mobile phones. It's on the Internet. It's everywhere, and it's telling entire generations of people how to travel the world.' - Fairfax Media (Australia)

  • Sales Rank: #468140 in Books
  • Brand: Lonely Planet
  • Model: Trekking: Indian Himalaya
  • Published on: 2009-10-01
  • Original language: English
  • Number of items: 1
  • Dimensions: 7.76" h x .55" w x 5.04" l, .10 pounds
  • Binding: Paperback
  • 260 pages
Features
  • Never Used
  • In the manufacturer's retail packaging.
  • With Full Factory Warranty!
  • Buy it now!

About the Author
LONELY PLANET aims to cater for every independent traveller, whatever the destination, whatever the style of travel and whatever the phase of the journey.

Most helpful customer reviews

1 of 1 people found the following review helpful.
Your trip will be easier :)
By Hussain Hashem Kadhem
This book Help us to set our trekking plan in the Indian Himalayas ,, it's really make it easy .. even the guide think that we are experts because we know many info that we grab it from this book ... I think anyone thinking about the Indian Himalayas, this book is a must :)

1 of 1 people found the following review helpful.
Comprehensive trekking guide
By Carno Polo
This is a very complete guidebook on all of the major treks in the Indian Himalaya. Easy to carry around for reference during your trek. Lots of detailed maps are very helpful. There are also quite a few color photos that create the right mood during the planning period at home and serve as nice memories for those who don't take their own pics.

Unlike what some reviewer have written, the book is very sturdy, stiched and very durable even if you are going to rough it a bit on your trek.

0 of 0 people found the following review helpful.
Excellent guidebook
By Michael Brandeis
We are just back from two weeks trekking in Ladakh and this book was an excellent guide. The four years since its publication have seen some changes on the ground but on the whole the data is excellent and at just the adequate level of detail (in comparison to a more recent and detailed guidebook that is sometimes confusing). Its size and weight are fine for the backpack. Somehow we ended up doing exactly the recommended daily laps.

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[E646.Ebook] Download PDF Geographic Information Systems for Transportation: Principles and Applications (Spatial Information Systems), by Harvey J. Miller, Shih-Lu

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Geographic Information Systems for Transportation: Principles and Applications (Spatial Information Systems), by Harvey J. Miller, Shih-Lu

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Geographic Information Systems for Transportation: Principles and Applications (Spatial Information Systems), by Harvey J. Miller, Shih-Lu

GIS data and tools are revolutionizing transportation research and decision making, allowing transportation analysts and professionals to understand and solve complex transportation problems that were previously impossible. Here, Miller and Shaw present a comprehensive discussion of fundamental geographic science and the applications of these principles using GIS and other software tools. By providing thorough and accessible discussions of transportation analysis within a GIS environment, this volume fills a critical niche in GIS-T and GIS literature.

  • Sales Rank: #2217721 in Books
  • Published on: 2001-11-22
  • Original language: English
  • Number of items: 1
  • Dimensions: 6.10" h x 1.20" w x 9.40" l, 1.89 pounds
  • Binding: Hardcover
  • 480 pages

Review

"From the preface on I found this book to be an informative and very worthwhile read. . . In particular, the authors have done an excellent job of not only portraying but also linking to common beginnings the breadth of applications to which GIS-T is now being put. . . A strength of the book is its coverage of this past work and the authors' ability to place this work in useful context. . . A pleasing aspect of the book is the way the authors have managed to relate specific topics in the earlier chapters on principles to these same topics within the last four applications chapters. . .Given its coverage, the book should also encourage new insights among those of us already immersed in GIS-T in one arena or another, as well provide as an excellent reference to a great deal of past work. Finally, Oxford University Press has done a good job on the production of the book, including presentation of the many equations and figures distributed throughout the text."-- Journal of Regional Science


About the Author
Harvey J. Miller is at University of Utah. Shih-Lung Shaw is at University of Tennessee.

Most helpful customer reviews

3 of 3 people found the following review helpful.
Comprehensive and thorough
By Jan Husdal
Having been a student with Harvey Miller probably makes my review somewhat biased. Nevertheless, this is an excellent book if you're a student or professional in the field of GIS and need to know how GIS can be applied in transportation, or vice versa, knowing tranportation, this book will tell you what GIS can do for you. Mind you, this is not for the fainthearted, this is solid academic work and presumes some academic knowlegde prior to reading this book. It is specked with references that are hard to get, and you are likely to spend more time in the library reading up on the bibliography than digesting the actual text. Still, if GIS-T is your line of research, you cannot avoid having this book. It is by far one of the most comprehensive I have seen. It is clear that the authors posess solid knowledge and have covered a wide field and left nothing out. It may have a rather inhibitive price; in hindsight it was well worth the money spent.

0 of 0 people found the following review helpful.
Five Stars
By Verrohonnica
Arrived with minor damage but still very good

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Senin, 09 September 2013

[X582.Ebook] Free Ebook The Great Gatsby and Cliff's Notes on Book, by F. Scott Fitzgerald

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The Great Gatsby and Cliff's Notes on Book, by F. Scott Fitzgerald

  • Published on: 1953-01-01
  • Binding: Paperback

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