Senin, 05 Februari 2018

Get Free Ebook Berlitz Hebrew Phrase Book (Berlitz Phrase Book) (Hebrew Edition)

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Berlitz Hebrew Phrase Book (Berlitz Phrase Book) (Hebrew Edition)

Berlitz Hebrew Phrase Book (Berlitz Phrase Book) (Hebrew Edition)


Berlitz Hebrew Phrase Book (Berlitz Phrase Book) (Hebrew Edition)


Get Free Ebook Berlitz Hebrew Phrase Book (Berlitz Phrase Book) (Hebrew Edition)

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Berlitz Hebrew Phrase Book (Berlitz Phrase Book) (Hebrew Edition)

About the Author

In January 2003, the renowned Berlitz Publishing became part of the Langenscheidt Group. The Langenscheidt Publishing Group, the premier group of map and travel companies, offers over 4,000 North American and international street maps, road maps, atlases, language-learning, bilingual dictionaries, and travel-related products covering countries, cities, and languages in every continent.

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Product details

Series: Berlitz Phrase Book

Paperback: 192 pages

Publisher: Berlitz; Revised edition (August 1, 1999)

Language: Hebrew

ISBN-10: 2831569273

ISBN-13: 978-2831569277

Product Dimensions:

4.2 x 0.5 x 5.8 inches

Shipping Weight: 4 ounces (View shipping rates and policies)

Average Customer Review:

4.3 out of 5 stars

2 customer reviews

Amazon Best Sellers Rank:

#4,779,243 in Books (See Top 100 in Books)

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I have the 2004 edition of the phrase book and I find that it has a few features that are nicer than other phrasebooks currently on the market, but that is lacking some important ones - especially if you want to use it to help you learn Hebrew while in Israel. Since the other main publisher of phrase books is Lonely Planet, I will specifically compare these two.On the plus side, this Berlitz phrase book has:- Color-coded sections for some ease in finding topics (with icons on the top that can be helpful in locating a topic)- Uses American English (with British English in brackets)- Has a more extensive section if you plan on doing a lot of driving or renting a car (which younger travellers probably will not use)- Emergency numbers and phrases conviently located on the last page for quick access- A reference section for reading signs in Hebrew- A Hebrew menu reader section (with food groups) with the Hebrew in a large print- A dictionary that lists the gender of the Hebrew words- Conversions for clothing sizes and distances between US-standard to metric (but no temperature conversions!)- Larger Hebrew print than the Lonely Planet phrase book (though neither uses vowels - so you must rely on the English transliteration if you are not at least somewhat fluent in Hebrew)The cons of this phrase book include:- The dictionary only goes from English to Hebrew (the section icons and Hebrew sub-headings may make it possible for a Hebrew speaker to find a phrase or word to show to you, but it would take some time)- There is very little grammer given (so you will have trouble creating your own phrases, if you do not already have a basis in Hebrew grammer)- The numbers are only shown in the masculine form (so you will be incorrect when telling time, counting, or referring to feminine items)- The phrases are only in the masculine form (so you will be incorrect if you are a woman speaking, or if you are speaking to a woman) and there is insufficient grammer for you to say it correctly if you do not have a background in HebrewOverall, because of the usefulness of the American-Hebrew phrases, (slightly) larger Hebrew print, larger-print sign and menu readers and a better section on driving terms and phrases, this may be a better choice for older Americans planning only to use this for emergencies and occassionally in Israel. For everyone else, I would recommend the Lonely Planet phrasebook.

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Berlitz Hebrew Phrase Book (Berlitz Phrase Book) (Hebrew Edition) PDF

Berlitz Hebrew Phrase Book (Berlitz Phrase Book) (Hebrew Edition) PDF

Berlitz Hebrew Phrase Book (Berlitz Phrase Book) (Hebrew Edition) PDF
Berlitz Hebrew Phrase Book (Berlitz Phrase Book) (Hebrew Edition) PDF

Minggu, 04 Februari 2018

Download Ebook Crash of the Titans: Greed, Hubris, the Fall of Merrill Lynch and the Near-Collapse of Bank of America

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Crash of the Titans: Greed, Hubris, the Fall of Merrill Lynch and the Near-Collapse of Bank of America

Crash of the Titans: Greed, Hubris, the Fall of Merrill Lynch and the Near-Collapse of Bank of America


Crash of the Titans: Greed, Hubris, the Fall of Merrill Lynch and the Near-Collapse of Bank of America


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Crash of the Titans: Greed, Hubris, the Fall of Merrill Lynch and the Near-Collapse of Bank of America

Product details

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Audible Audiobook

Listening Length: 16 hours and 24 minutes

Program Type: Audiobook

Version: Unabridged

Publisher: Random House Audio

Audible.com Release Date: November 2, 2010

Whispersync for Voice: Ready

Language: English, English

ASIN: B004ADQG9W

Amazon Best Sellers Rank:

Having worked at BAC during this time and only being there for 1 year a lot of my questions about how the company was run had been confirmed. It was clearly a boys club starting with Lewis. The book confirmed the atmosphere, the constant change in management, HR running the business units and people, the shock about acquiring ML, the friction between Lewis and Thain. It's a behemoth organization that was hard to navigate due to the constant changes. Moynihan was a great choice to run the organization.

I just started and have done a hundred pages or so. I find those page to be very detailed, descriptive, and fair. Fair was important to me in this case because the head of Merrill-Lynch was a Black guy (me too) and I wanted to see if racial problems lead to the "demise" of ML. (I was aware that the firm lost a huge "racial" suit involving my personal advisor in Nashville.) As written, so far, everything is detailed, and specific to the problems ("non-racial") in the firm. Several screw-ups are referred to (as well as several dedicated professionals). I am enjoying reading about the firm in such detail. I feel like I really am beginning know, so far, what happened at the firm. I will definitely continue reading.

So how to review a book with absolutely no redeeming characters? Where the only ones that look remotely ok were only such because they talked to the writer more than the others.The book itself is a worthy history of Merrill Lynch's last 18 months as independent company and it's rocky merger with Bank of America. It shows the management to be self-centered, myopic and completely incompetent. Amazingly everyone gets out alive. Stan O'Neil gets $160mm. John Thain is the CEO of CIT. Greg Flemming is one of the top executives at Morgan Stanley. Bob McCann similarly positioned at UBS. Ahmass Fakahany the former head of Risk and Co-President is now a NY restauranteur. Even the chief culprit Osman Semerci seems to be the CEO of a $2 billion Hedge Fund in London (Duet). Savings are wiped out. Thousands and thousands of people lose jobs and houses and strangely those at the center of the storm are doing just fine.The book is a page turner. There are moments of real drama. The firm, the banking business and the economy are all sinking. The key subjects at Merrill and BoA are well profiled. The conflicts and live timeline given a "novel" feel to the storyline. At certain points it feels oddly distant from the events of the day. For example it barely discusses the spring of 2008 which was a time of huge uncertainty. Instead of telling us again how certain people felt I think he could have tied more of what was going on around Merrill at that time. But still good pace throughout.The book lacks technical detail. Other reviewers have mentioned this. Given it's now 2011 there are probably enough books explaining the "what" of the crisis where perhaps this is the "who". But I'd say this suffers a bit as a result. In talking about Merrill's losses in the fall of 2008 there is scant detail on how it happened and yet this was the biggest loss by far - $18 billion and the CDO positions had already been sold. Michael Lewis showed in "The Big Short" that you can still write a great book and include some good details on what are the investments that when wrong without boring people.I thought the writer was also a bit soft on Thain. They talked about his expert handling of the LTCM wind down from 1998 but there are famous stories of Goldman front running that unwind from months before that fund crashed. Wouldn't it put Thain's character in a different light to be more skeptical of his role? I would also doubt that he was the key driver of Goldman's mortgage trading in the 1980's.Secondly he seems overly sympathetic to Greg Fleming. On at least a dozen occasions he talks about the 15 or 16 years that Flemming has put into the firm only to see it blow up. Come on. 16 years is not that long. Mentioning it once or twice is ok but it is not a badge or a special amount of time, particularly when you're making unbelievable amounts of money. Please remember everyone is in it for the money.His descriptions of Bank of America culture were fascinating. Clearly they had an inferiority complex overlayed with enormous bravado; seeing themselves as outside the New York banking scene and resentful of being seen as less sophisticated being based in Charlotte, North Carolina. They are not a bad bank by any means but clearly different from their major competitors. Given that Countrywide really buried that bank Farrell could have spent some time on it. It really was the Achilles heel that ruined Lewis' career. Ken Lewis probably could have survived the losses and ugly politics on closing the Merrill acquisition if his own bank were in better shape.In the end, this is a good book about the failure of Merrill Lynch and of how bad Stan O'Neil screwed up (repeatedly). There were colossal errors in judgement and a shocking misunderstanding of risk management. Risk management is 50% systems (which Merrill clearly did not have) and 50% honest dialogues with qualified practitioners which also did not exist. HOPEFULLY something is learned from it. If nothing else O'Neil should be kicked to the curb and stepped on (repeatedly).

This is a deeply researched and briskly written account of the demise of Merrill Lynch amidst the general market turmoil of 2008//9. It does a good job of setting context - both in terms of the culture and history of the two firms as well as the personal motivations and incentives the key players brought to the table. If you don;t have much background in financial matters - you will still understand the book and get the bigger picture.My irritation with it - is Farrell actually Greg Fleming in disguise?? The book was incredibly skewed to Greg the Superhero angle. Here is Greg conceiving of the deal before anyone else. Here is Greg getting $30 a share. Here is Greg waiving his bonus. Here is Greg being offered a job which would humiliate John Thain. Here is Greg, Here is Greg.

Farrell has written a very detailed and insightful overview of the events around Bank of America's purchase of Merrill Lynch. As with many of the books written on the financial crisis it details how ignorance around the basic principles of prudent risk management resulted in catastrophic events. Whether the ignorance was driven by greed, stupidity, or blind faith in the market continually going up (or a combination thereof), becomes almost irrelevant, but this book does a great job of investigating and demonstrating the results that came about as a result of less than ideal decisions. It delves deeply into the psyche and decisions made by O'Neal, Lewis, Thain, Semerci etc and how these eventually played out. The author is also not afraid to assign blame and I found his analysis to be fair and balanced. Farrell has certainly invested a great deal of effort into researching the events and characters, and then moulding these into a coherent and entertaining book. The book has a great amount of detail and information, but flows very well, holding the reader's attention from the first page to the last.

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