Bøger udgivet af Cypress House

"AS A FOUR-YEAR-OLD IN NOWY TARG, POLAND, Gustawa Singer lived an idyllic life. Her parents doted on her, and she was always surrounded by loving relatives. Her father worked in the hardware store owned by her grandfather, and the family prospered. Then, in 1939, everything changed: Hitler's army invaded Poland, and Gustawa's carefree childhood days of petting her dog, going to the candy store with Uncle Artur, and savoring her grandmother's fresh-baked challah were gone forever. Ultimately, the Nazis killed 2,000 of the 2,200 Jews in her small hometown. Gustawa's mother was transported to the death camp at Belzec, her father was assigned to forced labor, and Gustawa became separated from everyone she had ever known. Amidst the Nazis' vile hatred and appalling savagery, a compassionate stranger spotted Gustawa after her "caretaker" cousin abandoned her in Krakow. This kindhearted woman took her in and fed, clothed, and loved her at terrible risk to her own family. For Gustawa's protection, her name had to be changed several times. She survived the seemingly endless ordeal of the Holocaust and was eventually reunited with her father, who had never stopped searching for her. They emigrated to the United States where Janet grew up. Believing that the world must never forget the horrors unleashed by Hitler's regime, the woman who was now Janet Singer Applefield began a series of talks to middle- and high-school students, telling them the moving story of all she had endured, teaching them the power of courage and resilience in the face of bigotry and hate, and encouraging them to stand up to every kind of discrimination and injustice"--

Most of us know little about for-profit colleges, in part because they''re widely viewed as the "second-class citizens" of higher education. Parents dream of sending their kids to an Ivy League school, a flagship research university, their alma mater, or a regional NCAA powerhouse, but not of sending their children to a for-profit college. That''s a mistaken bias. Each year, good for-profit colleges train thousands to work as medical assistants, business administrators, RNs, cosmetologists-jobs that can change their lives. Bad for-profit colleges, however, leave many thousands of students in debt and jobless. The federal government heavily subsidizes for-profit colleges, so regulation could determine the fate of billions of taxpayer dollars and is therefore of interest to all of us-we''re helping fund those colleges, including the disreputable ones. Typically, the students who attend for-profit colleges are among America''s most vulnerable: single moms, disadvantaged adults, veterans, minority students, and mid-career employees looking to better their lives. The worst scandal in higher education is the subpar training that so many of them receive at inadequate for-profit institutions. The 2019 college-admissions bribery scandal pales beside the injustices that countless adults suffer at the hands of low-performing and predatory schools. In 2019, three such college chains closed a total of eighty campuses midsemester, stranding 32,000 students just partway through their courses. After years of sacrifice and hard work, they faced trying to complete their degrees at other institutions-if they could find any that would accept their credits-or canceling their federal loans and starting their career education all over again. Since 2016, nearly 300,000 students have filed to have their loans forgiven, alleging that their for-profit colleges defrauded them. What could our government do to limit such abuses? The Profits of Failure offers a definitive answer.

Probable Outcomes continues the Crestmont Research tradition of full-color charts and graphs that enable investors and advisors to differentiate between irrational hope and a rational view of the stock market. The unique combination of investment science and investment art explores the market from several perspectives, and addresses the implications for a broad range of investors. Ed Easterling delivers an insightful analysis of the likely course for the stock market over the 2010 decade. Investors and advisors will benefit from this timely outlook and its message of reasonable expectations and value-added investing. This essential resource provides a comprehensive understanding of the fundamental principles that drive the stock market.