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Commercial Mortgages 101: Everything You Need to Know to Create a Winning Loan Request Package - PDF
Commercial Mortgages 101: Everything You Need to Know to Create a Winning Loan Request Package - PDF
نویسندگان: Michael Reinhard خلاصه: With real estate prices at their lowest in years and the economy poised for a rebound, it’s an opportune time to invest in commercial real estate. But credit and financing issues can still pose challenges that prospective borrowers must overcome in order to get the money and mortgage terms they need. Commercial Mortgages 101 is a step-by-step guide for both real estate investors and mortgage brokers, offering insight, practical tools and a thorough overview of commercial mortgage underwriting and credit analysis. Readers will learn how to: Think and speak like a commercial real estate lender • Quickly size and under write a basic commercial real estate loan • Prepare a personal cash flow statement and calculate true net worth and liquidity • Read and interpret a lender’s preliminary loan proposal • Create a Schedule of Real Estate Owned • Prepare a persuasive and professional loan request package • Choose the right form of ownership (including LP, LLC, Co-tenancy and others) • And more Both thorough and timely, Commercial Mortgages 101 reveals what readers need to ensure their loans are approved.
Your Pocket is What Cures You: The Politics of Health in Senegal - PDF
Your Pocket is What Cures You: The Politics of Health in Senegal - PDF
نویسندگان: Ellen E. Foley خلاصه: In the wake of structural adjustment programs in the 1980s and health reforms in the 1990s, the majority of sub-Saharan African governments spend less than ten dollars per capita on health annually, and many Africans have limited access to basic medical care. Using a community-level approach, anthropologist Ellen E. Foley analyzes the implementation of global health policies and how they become intertwined with existing social and political inequalities in Senegal. Your Pocket Is What Cures You examines qualitative shifts in health and healing spurred by these reforms, and analyzes the dilemmas they create for health professionals and patients alike. It also explores how cultural frameworks, particularly those stemming from Islam and Wolof ethnomedicine, are central to understanding how people manage vulnerability to ill health.While offering a critique of neoliberal health policies, Your Pocket Is What Cures You remains grounded in ethnography to highlight the struggles of men and women who are precariously balanced on twin precipices of crumbling health systems and economic decline. Their stories demonstrate what happens when market-based health reforms collide with material, political, and social realities in African societies.
English Language Learners (Issues That Concern You) - Original PDF
English Language Learners (Issues That Concern You) - Original PDF
نویسندگان: Tamara Roleff خلاصه: In Los Angeles, Chinatown is not just a tourist destinationfilled with Chinese restaurants, tailors, and specialty shops.Chinatown has spread east into the suburbs as Asian immi-grants have bought into the American dream of large homes,large yards, expensive cars, and owning their own businesses.Yet many of these immigrants feel as if they have never leftAsia. The populations of some suburbs in the valley east of LosAngeles have doubled since the early 1990s, and nearly two-thirds of the residents are Asian. Office and industrial parks areidentified by signs in Chinese. Some schools report that closeto 60 percent of their students are Asian. Mandarin is morelikely to be heard than English in retail stores. Hearing Manda-rin everywhere instead of English presents an unlikely problemfor some adult immigrants: They have no one with whom theycan practice speaking English.The same is true for immigrants from Mexico. Studies showthat Mexican immigrants tend to concentrate in specific areas,stop attending school earlier, and speak less English than otherimmigrants, although these rates do improve with subsequentgenerations. And now that Mexican immigrants are starting tosettle beyond their traditional gateway homes of California,Texas, Florida, and Illinois, spreading into mainstream America,more Americans are becoming uncomfortably aware of Mexicanimmigrants and their insular communities.Some Americans complain that although they are in theUnited States, it does not feel like it when they enter these im-migrant enclaves. Many, if not most, of the signs are in a foreignlanguage, as are most conversations. But these complaints havebeen heard since the first mass migrations to the United Statesin the first half of the nineteenth century. The Irish clusteredtogether in Boston, Italians in New York, Germans and Scandi-navians in the Midwest.
You Can Cope with Peripheral Neuropathy: 365 Tips for Living a Full Life - Original PDF
You Can Cope with Peripheral Neuropathy: 365 Tips for Living a Full Life - Original PDF
نویسندگان: Mims Cushing, Norman Latov خلاصه: When I was in school, back in the 1950s, from third grade throughtwelfth, everyone was required to take athletics, Monday throughFriday. How I loved getting out of sports. Mother wouldn’t give me a“Sports Excuse” very often, so I had to run in field hockey, lacrosse, basket-ball. In winter, we had the dreaded running races in the gym. But I did like towalk. My Mom and I went into New York City from Larchmont on weekendsand traipsed up and down Madison or Fifth Avenues at a breakneck pace. Ididn’t have neuropathy. Yet.Feet to Brain: Are You There?When we moved to Ponte Vedra Beach, Florida, in 1991, I enjoyed walking toLakeside, a community near mine; however, in 1996, people passed me byand soon were far ahead. My 30-minute walk took 40 minutes. Friendswanted me to go faster, but my feet didn’t like the idea. My legs were losingstrength, a common problem with neuropathy. My feet were tingling, burn-ing, and numb—especially at night. I felt stabbing, shooting pains. Ding.Ding. Ding. Bells and whistles should have sounded an alarm, but they did-n’t. In the 1990s, few people knew about peripheral neuropathy, myselfincluded. A huge number still haven’t a clue about it, even though 20 millionpeople in the United States have peripheral neuropathy. And the numbersare growing.In 1996, I went to an internist because the symptoms made me crabby. Shesaid, “You may have peripheral neuropathy. See a neurologist.” Her quick diag-nosis was unusual. Not so long ago, some patients weren’t diagnosed for along time. Thirty-four years is the longest I’ve heard of.
What to Say When you Talk To Yourself - Original PDF
What to Say When you Talk To Yourself - Original PDF
نویسندگان: Shad Helmstetter خلاصه: You are everything that is, your thoughts, your life, your dreams come true. . You are everything you choose to be. You are as unlimited as the endless universe. LIFE,FOR MOST of US,should be pretty good. We have all heard what life is supposed to offer: endless opportunities, the fulfillment of our dreams, and a chance to live each day in a way that brings happiness and success. Most of us want and need at least a successful job or career, a good family life, and reasonable financial security. We expect that from life. We know deep inside that we deserve our fair share and we have every right to attain it. Have you ever wondered, then, why things don't work out the way they should? Why do we not get from life many of the things we would like to have- and know we should? Why do some people seem to be "lucky," while the great majority of the rest of us seem not to be?
An Offer You Can't Refuse : Workfare in International Perspective - Original PDF
An Offer You Can't Refuse : Workfare in International Perspective - Original PDF
نویسندگان: Heather Trickey, Ivar Loedemel خلاصه: In the 1990s, the developed world has witnessed a pendulum swing away from unconditional entitlement to social assistance towards greater emphasis on obligations and conditions tied to the receipt of financial assistance. With the introduction of "targeting" through administrative reforms, conditions of entitlement have been narrowed. The product of research funded by the European Union, this title compares "work-for-welfare" (workfare) policies objectively. It considers well-known schemes from the United States alongside more overlooked examples of workfare to be found in six European countries.
5 Things You Never Knew About Hurricanes - Original PDF
5 Things You Never Knew About Hurricanes - Original PDF
نویسندگان: Dr. Mark Guishard Director, Bermuda Weather Service خلاصه: 5 Things You Never Knew About Hurricanes Dr. Mark Guishard Director, Bermuda Weather Service Background „ Hurricanes are: „ Large low pressure systems triggered by pre-existing disturbances „ Fueled by the energy released from the ocean surface Source: NOAA Background „ Most of the energy and mass in a hurricane is focused quite near the centre „ Strongest in a concentric ring of severe weather, called the “eyewall” „ Surrounds a calm central “eye” Source: NASA Background June September Birthplaces of Hurricanes Background June September Birthplaces of Hurricanes Source: NOAA Background Hurricane Season: Jun. 1- Nov. 30 Background „ Sea Surface Temperature shows a direct relationship with hurricane activity – Represents the ocean energy source for fueling the storms Background „ Sea Surface Temperature shows a direct relationship with hurricane activity – Represents the ocean energy source for fueling the storms L H Heating In order to keep the heating in the core above the surface disturbance, there must be little or no shear. Strong shear in the medium levels would rip the storm apart. Background „ Sea Surface Temperature shows a direct relationship with hurricane activity – Represents the ocean energy source for fueling the storms „ Vertical wind shear has a destructive effect on storm formation L H Heating In order to keep the heating in the core above the surface disturbance, there must be little or no shear. Strong shear in the medium levels would rip the storm apart. L H Heating 1) El Niño Influences Atlantic Hurricane Numbers „ What is El Niño? –A climate cycle that occurs every few years. –A shift of warm surface water across the tropical Pacific from west to east. –Caused by the relaxation of the trade winds. 1 Average conditions - January - March El Niño conditions - January - March El Niño conditions Sea Surface Temperature 1 „ Named by South American fishermen for the Christ child. Warming of waters off Peru coincided with Christmas. Source: NOAA Average conditions - January - March El Niño conditions - January - March El Niño conditions Sea Surface Temperature 1 „ Named by South American fishermen for the Christ child. Warming of waters off Peru coincided with Christmas. „ The opposite effect is named “La Niña” La Niña conditions - January - March Source: NOAA El Niño Effects Increased wind shear downstream – suppressed hurricane formation in the main Atlantic development region 1 Source: NOAA Effects on Hurricane season „ The disruption of the upper winds translates to the Atlantic, suppressing Hurricane activity for El Niño years in this part of the world. „ The opposite occurs in a La Niña year, when Atlantic Hurricane Season tends to be very active. 1 1987 - an El Niño year Only 8 Named Storms in the Atlantic. But what else happened in 1987? Hurricane Emily! 1 Source: Unisys 1998 - A La Niña Year 14 Named Storms in the Atlantic. Cat 5 Hurricane Mitch dumped up to 800mm of rain within 48 hours in Honduras & Nicaragua. Mitch caused over 9,000 deaths. 1 Source: Unisys 2) Vulnerability to Hurricanes „ Vulnerability is the susceptibility to physical or emotional injury or attack. „ “Disasters occur when hazards meet vulnerability". A natural hazard will hence never result in a natural disaster in areas without vulnerability, e.g. strong earthquakes in uninhabited areas. „ Some factors influencing vulnerability: – Social – Physical 2 Source: Wikipedia Social aspects of vulnerability „ Awareness/Preparedness „ 1900 Galevston Hurricane – The Galveston Hurricane of 1900 is to date the deadliest natural disaster ever to strike the United States: estimated 8,000 fatalities. – Large death toll may be attributed to lack of awareness that the storm was coming 2 Source: Wikipedia Social aspects of vulnerability Miami Beach 1926 Wendler Collection Miami Beach 2006 Joel Gratz © 2006 2 50000 52000 54000 56000 58000 60000 62000 64000 66000 68000 1980 1991 2000 2010 2020 Projected Bermuda Population Growth „ Our own poulation density well exceeds 1000 people per km 2 „ Only forecast to get higher… 50000 52000 54000 56000 58000 60000 62000 64000 66000 68000 1980 1991 2000 2010 2020 2 Source: Government of Bermuda Dept. of Statistics Physical aspects of vulnerability „ Geography „ Hurricane Katrina, 2005 – City of New Orleans lies largely below sea level 2 Source: FEMA Events themselves drive vulnerability 2 Intensity: Andrew 1992 Mitch 1998 Fabian 2003 Frequency: Combinations of factors can maximize vulnerability „ 1970 Bhola Cyclone: Deadliest known tropical cyclone of all time – A powerful cyclone that hit Bangladesh on November 13, 1970 killed 500,000 people from storm surge, high winds, and flooding. „ 2005 Hurricane Katrina „ Factors: – Lack of Awareness &/or Preparedness – Geography – Population – Intensity 2 3) Global Warming and Hurricanes 3 Source: UEA NHC Best Track Storm Database 3 Source: Landsea, 2006 Bermuda Best Track Storms „ Historically Bermuda is affected on average ~1 every 2 years (not necessarily direct hits) 0 1 2 3 4 1895 1900 1905 1910 1915 1920 1925 1930 1935 1940 1945 1950 1955 1960 1965 1970 1975 1980 1985 1990 1995 2000 2005 More recently… 3 Source: BWS Global Warming & Increase in Hurricane Frequency? 0 1 2 3 4 1895 1900 1905 1910 1915 1920 1925 1930 1935 1940 1945 1950 1955 1960 1965 1970 1975 1980 1985 1990 1995 2000 2005 „ Two camps – fierce debate. „ Problems with conclusions made on both sides of argument. 3 Source: Landsea, 2006 4) Water is the biggest killer, not wind „ “If the projected rise in sea level due to global warming occurs, then the vulnerability to tropical cyclone storm surge flooding would increase.” „ Storm Surge is a dome of water driven by the persistent strong winds in a tropical system (not by the low central pressure!) Source: NOAA Storm Tide 4 Ocean WavesOcean Waves MWL Wave Setup ExtremeExtreme WindsWinds Wave Runup MSL datum Expected High Tide StormStorm TideTide Surge after Harper (2001) Storm Surge - Continental Effects Continental Shelf Ocean Direction of wave movement „ As waves move into a shallower environment, their amplitudes increase and wavelengths decrease. 4 Waves - Island effects „ On a small, isolated island such as Bermuda, this effect is small; Large waves are deflected around the sea mount, in the surrounding deep water. „ Amplitudes and wavelengths stay fairly constant. „ However, sea states can still be quite significant in tropical systems... Bermuda Sea Floor Direction of wave movement 4 Before and After the Hurricane Richelieu Apartments Pass Christian, MS Hurricane Camille 17 Aug 1969 4 Source: NOAA 4 Katrina Storm Surge Model 4 Source: LSU Katrina Storm Surge Map Source: FEMA 4 5) A Hurricane is not always a Hurricane… 5 Subtropical storms – about half of the storms we get in hurricane season are not even named by NHC Source: Guishard, 2007 October 2001: Subtropical Storm ⇒ Hurricane Karen 989 mb 5Source: UW-CIMSS Source: BWS „ In Bermuda, more gales come from marine winter storms than from hurricanes 0 10 20 30 40 50 60 1/1/2002 2/1/2002 3/1/2002 4/1/2002 5/1/2002 6/1/2002 7/1/2002 8/1/2002 9/1/2002 10/1/2002 11/1/2002 12/1/2002 1/1/2003 2/1/2003 3/1/2003 4/1/2003 5/1/2003 6/1/2003 7/1/2003 8/1/2003 9/1/2003 10/1/2003 11/1/2003 12/1/2003 1/1/2004 2/1/2004 3/1/2004 4/1/2004 5/1/2004 6/1/2004 7/1/2004 8/1/2004 9/1/2004 10/1/2004 11/1/2004 12/1/2004 1/1/2005 2/1/2005 3/1/2005 4/1/2005 5/1/2005 6/1/2005 7/1/2005 8/1/2005 9/1/2005 10/1/2005 11/1/2005 12/1/2005 1/1/2006 2/1/2006 3/1/2006 4/1/2006 5/1/2006 6/1/2006 7/1/2006 8/1/2006 9/1/2006 10/1/2006 11/1/2006 12/1/2006 1/1/2007 Fabian Florence Winter Winter Winter Winter 5 Bermuda daily average winds over 5 years Source: BWS Recap „ El Niño – Natural climate pattern – Reduces hurricane formation in the Atlantic… – …by changing the shear pattern in the main development region. „ Vulnerability to Hurricanes is compounded by social and physical aspects like – Geography, – Population and – Awareness, – in addition to the frequency and intensity of the events themselves. Recap „ The effects of global warming on hurricanes in the Atlantic are not as clear as they might appear at first. Unreliable database before: –Satellites and Radar –Aircraft reconnaissance –Weather Balloons „ Water is the biggest cause of fatalities in hurricanes, not direct wind strength. „ Hurricane force winds don't always come from what we classically think of as hurricanes. Any Questions? Dr. Mark Guishard Director, Bermuda Weather Service
Why Life Speeds Up As You Get Older: How Memory Shapes our Past - PDF
Why Life Speeds Up As You Get Older: How Memory Shapes our Past - PDF
نویسندگان: Douwe Draaisma, Arnold Pomerans, Erica Pomerans خلاصه: Is it true, as the novelist Cees Nooteboom once wrote, that memory is like a dog that lies down where it pleases? Where do the long, lazy summers of our childhood go? Why, as we grow older, does time seem to condense, speed up and elude us, while in old age, significant events from our distant past can seem as vivid and real as what happened yesterday? Douwe Draaisma, author of the internationally acclaimed Metaphors of Memory (Cambridge, 2001), explores the nature of autobiographical memory. Applying a unique blend of scholarship, poetic sensibility, and keen observation, he tackles such extraordinary phenomena as deja-vu, near-death experiences, the memory feats of idiot savants, and the effects of extreme trauma on memory recall. Raising almost as many questions as it answers, this fascinating book will not fail to affect you at the same time as it educates and entertains. Douwe Draaisma is Professor of the History of Psychology in the Department of Theory and History of Psychology at the University of Groningen, The Netherlands. He has published books on time and memory and his articles have appeared in professional journals as diverse as Annals of Science, Psychological Medicine, and Nature. The original Dutch version of Why Life Speeds Up As You Get Older has won several scientific and literary awards.
Quantum Psychology: How Brain Software Programs You and Your World - PDF
Quantum Psychology: How Brain Software Programs You and Your World - PDF
نویسندگان: Robert Anton Wilson خلاصه: Throughout human history, thoughts, values and behaviors have been colored by language and the prevailing view of the universe. With the advent of Quantum Mechanics, relativity, non-Euclidean geometries, non-Aristotelian logic and General Semantics, the scientific view of the world has changed dramatically from just a few decades ago. Nonetheless, human thinking is still deeply rooted in the cosmology of the middle ages. Quantum Psychology is the book to change your way of perceiving yourself—and the universe for the 21st Century. Some say it's materialistic, others call it scientific and still others insist it's mystical. It is all of these—and none.
Veterinary Immunology 10E - Original PDF
Veterinary Immunology 10E - Original PDF
نویسندگان: Ian Tizard BVMS, PhD, ACVM (Hons), DSc (Hons) خلاصه: This textbook was first published in 1977, at a time when veterinary immunology was relatively new and poorly understood. Nevertheless, it was recognized, even then, that immunology held the key to many of the significant issues in veterinary medicine. The importance of immunology has not declined since then, except among those tasked with establishing college curricula. The decline in basic science instruction at colleges of veterinary medicine in favor of more clinical training has resulted in graduating a generation of veterinarians whose knowledge of immunology is minimal. Yet immunology continues to be a key science. It is central to our understanding of major veterinary issues such as vaccination, cancer, infectious diseases, and allergies. It has been tempting to dilute the contents of this text and its associated website to conform to current curricular trends. I have resisted this. Because the amount of knowledge of immunology required to obtain a veterinary degree has been progressively reduced, the need to document the science in depth has correspondingly increased. This book therefore continues to grow as the result of opening up new, exciting areas of the science. Veterinarians need to know much of this if they are to practice cutting-edge science in the 21st century. Read it, study it, and enjoy its wonderful complexity. Over the many years that this textbook has been published we have seen many changes in the science of immunology. In most cases, these changes have been gradual in nature as investigators add detail to existing knowledge. Occasionally, however, major leaps are made that effectively revolutionize the discipline—socalled paradigm shifts. For example, in the late 1990s, the concept of innate immunity was accepted. Inflammation and other processes were finally recognized as being essential components of the immune system and the dual innate and adaptive immune systems were shown to complement each other. It is interesting to note that this was not a new discovery but a new way of looking at well recognized processes. This new edition also reflects revolutionary changes in the way we think of immunology. Like the concept of innate immunity, these changes are not a result of a previously unknown process but a belated recognition of something known about since the dawn of microbiology, the body's normal microbiota. New methodologies and intensive studies have revealed that many body processes, especially immunity, are regulated by the diverse microbiota that colonizes all body surfaces. Much of immunology has had to be reassessed in the light of this new knowledge. Both innate and adaptive immunity are regulated by those organisms, especially bacteria, that live in the intestine and respiratory tract and on the skin. Many previously unexplained phenomena have now been shown to depend on the normal microbiota. As a result of this new information, the reader will encounter the microbiota at every turn in this book, plus a completely new chapter on the subject. The second new chapter deals with allergic diseases. For many years, these were readily explained by the production of IgE against allergens. The most recent information, however, has demonstrated that allergies are much more complex than this. For example, atopic dermatitis, one of the most common conditions seen by small animal veterinarians, is likely a syndrome with multiple complex causative factors. As a result, allergic and inflammatory diseases deserve a new chapter. These additions cannot, however, hide the fact that the rest of immunology also continues to move forward. Thus the mechanisms by which the body rejects gastrointestinal helminths has been clarified with the discovery of the importance of tuft cells and interleukin-33. Associated with this has been the recognition of the complex nature of innate lymphoid cells and their subpopulations. Some of these advances can be considered routine, such as the identification of new cell surface molecules and many new cytokines. New disease syndromes such as swine SCID, bovine neonatal pancytopenia, and immune-mediated keratoconjunctivitis are now described, and the pathogenesis of others such as atopic dermatitis, type I diabetes mellitus, equine laminitis, and systemic lupus are shown to be more complex than previously believed. New advances in therapy are covered, including the introduction of immune checkpoint therapy in cancer and the use of monoclonal antibody therapy and intravenous immunoglobulin therapy for immune-mediated diseases. The exciting new developments in the use of nanoparticles in vaccines and as adjuvants are now described. The significant roles of vitamins A and D as well as the aryl hydrocarbon receptor in immunity are also recognized. Advances in basic science that are now discussed include new findings on the structure and genetics of bovine antibodies, epigenetics, RNA interference, microRNA, macrophage polarization, and type 1 and type 2 immune responses. I make no apologies for the size and complexity of this text. Immunology is a complex subject that has a direct bearing on many of the most important areas of veterinary medicine. Students, as well as graduate veterinarians, ignore it at their peril. Finally, readers are strongly encouraged to visit the Evolve website for this text. The site is also constantly evolving and improving. In it you will be able to find a collection of more than 450 multiple-choice questions (with the answers!) keyed to each chapter; a set of flashcards also linked to chapters; all the text figures available as PowerPoint slides; and a collection of animations kindly provided by Dr. Abul Abbas, as well as brand new animations created for this textbook, designed to clarify some complex processes and pathways where still figures are inadequate. All the chapter references are keyed to PubMed. There are also new hand-outs that students can print off and use as a reference, should you wish. It is my hope that these assets will help you remain current in this rapidly expanding and exciting field.

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