Middle-class couples are working harder than ever. So why are they finding it more difficult to finance their homes, send their kids to college, and save toward retirement?Couples who are strapped for time and weighed down by costly fixed expenses need more than a personal finance pep talk: They need a plan. In The Big Payoff, CNBC correspondent Sharon Epperson lays out a nuts-and-bolts program that couples of all ages can use to realize their financial dreams. From stretching your budget and investing wisely in your home to protecting your family's money and building wealth over the years, The Big Payoff offers a concise bounty of precious information and practical steps toward financial wellness.Epperson begins by showing couples how to communicate better about money. She helps them realize that the same qualities needed to create a lasting relationship understanding, compromise, and patience are vital when it comes to building a secure financial future. Every important decision couples make, whether it's buying a home, having kids, changing jobs, or preparing for retirement, will inevitably involve a discussion about money, and Epperson teaches them how to handle finances with a cool hand while keeping the marriage vibrant and healthy. In addition, she empowers couples to take money matters into their own hands and shows them that by taking control of their finances, they can stop fretting about cash and start focusing on the important things in life.Each of the following chapters is designed to get partners talking and thinking about their financial life together. In eight easy-to-understand steps, Epperson unpacks the various options for saving money; creating emergency, retirement, and college savings plans; investing in a home; choosing the right life and health insurance; and drafting an estate plan. A wife and mother of two herself, Epperson knows a thing or two about the pitfalls of financial planning and doses her advice with plenty of humorous anecdotes, hard-earned experience, and down-to-earth language. Additionally, through helpful worksheets and exercises, The Big Payoff helps readers customize a plan that will work best for them and reap the most payback.It's never too late or too early to start, and now is the best time to start planning. Whether you are newlyweds or fast-approaching retirement, just starting a family or soon to be empty-nesters, this book is for you. After working hard to provide for your family, the reward of discovering your financial strength will be the peace of mind to enjoy your marriage, your family, and the rest of your lives together.

Destination weddings planned in exotic locales, intimate weddings organized on a shoestring budget, full-scale galas with guests from all over the globe. . . . In A Wedding Like No Other, read the stories of some of the most incredible, romantic ceremonies and receptions collected by the wedding etiquette experts at the Emily Post Institute. As different as they all are, the stories featured here are examples of how a wedding can be heartwarming and unique even if everything doesn't go exactly as planned. In each one, the bride and groom make a determined effort for their wedding day to be an expression of their tastes and personalities, often in the face of unexpected obstacles. And in every case, the end result is a wonderful and memorable experience for the couple and for everyone else involved. Let these stories help inspire your own big day. The creative vows, cakes, toasts, and more described in these pages will spark your own ideas and help you personalize every detail of your wedding. Also, each story is followed by a short advice section, offering insights and general wisdom on a large variety of topics from picking the venue to selecting the menu. Go beyond the standard, the expected, and make your big day a cherished, uplifting, unforgettable experience. You already have a love like no other, so celebrate it with a wedding like no other.

In a perfect corporate world, intellect, hard work, and professionalism would be recognized and rewarded regardless of the color of your skin. Kenneth Arroyo Roldan is here to tell you that nobody works in a perfect corporate world. Stellar performance alone will not determine corporate advancement—minorities need to learn and follow the rules of corporate politics. As one African American employee who started as a systems analyst at Xerox observed, "The reality was that despite your ability, if you weren't playing politics correctly, you would be derailed." In Minority Rules, Roldan gives a dose of tough love to minorities in corporate America while educating their majority counterparts. As the CEO of the top U.S. head-hunting firm specializing in placing minorities in fast track jobs, Roldan watched as minority superstars hired at Fortune 500 companies bailed out, disappointed and rejected after only a few years. The problem, Roldan says, is that minorities are not adequately prepared psychologically or culturally for corporate careers. In a six-step plan, he explains how to surmount the obstacles, play corporate hardball, and succeed as a minority in the workplace. Corporate culture is unforgiving to minorities, but it is possible to rise to the top with Roldan as your guide. With refreshing candor, Roldan prepares minorities both psychologically and culturally for corporate careers. Forget about using affirmative action and discrimination lawsuits to level the playing field. The only way to win is to know the landscape and master the rules of the game—from finding the right mentor to learning the art of networking to focusing on self-reliance, patience, and most of all, performance. Roldan shows minorities how to climb to the top jobs—and keep them.

What would you do if you were accused and arrested for a crime that you didn't commitHow about if you realized that you'd just been scammed for thousands of dollarsWhat about if, due to a circumstance as unavoidable as having the same name as a criminal, your credit rating kept you from buying a house or a car, or getting a loan for collegeMost people trust that everything will work out and assume that the government will help them if trouble arises. However, Robert Massi reveals what the government doesn't want you to know daily life and decisions are fraught with potential danger, and government mismanagement often has disastrous consequences for innocent, law-abiding citizens.Familiar to viewers as a national TV legal analyst, Robert Massi has heard countless stories of well-intentioned individuals getting caught up in damaging situations that they didn't see coming. Nonetheless, the most frustrating part of these heartaches is that they could and should have been avoided.Massi will share some of these astonishing stories of real people and then, he'll show you how to learn from these mishaps. Touching on everything from dodging identity theft to starting a business, People Get Screwed All The Time explains how to avoid falling for scams, getting entrenched in endless legal battles, and inadvertently ending up on the wrong side of the law. Also, if worst comes to worst, it provides unbeatable tips for how to extract yourself from a wide variety of sticky situations.This indispensable guide covers the spheres of life that matter most: Identity Love, Family, and Relationships Money, Finances, and Debt Your Home Cars Work and Business Relationships Final Affairs Suggesting small steps that can be taken today, People Get Screwed All the Time helps you to avert catastrophe tomorrow. Calling for action and awareness, this is a vital and eye-opening handbook that proves that ignorance is anything but bliss.

Do you ever obsess about whether to order dessert, buy those pricey sandals, or be totally honest on a third date?If so, then you are already acquainted with the fear of being fat, broke lonely. If only we could eat less, get paid better, and be more outgoing.Only it's not that simple. Our endless quest to be fit, flush, and partnered (no matter where we fall on the scale) inevitably makes us feel fat, broke lonely. The symptoms are anxiety, shame, and fear, and the diagnosis is feeling miserable about ourselves. We have two choices: give up, convinced that this is just a lifelong, losing battle, or go toe-to-toe with our negative self-image and take back our lives.Real-life anecdotes, practical strategies, and a touch of sass make this revolutionary five-step plan a must-read. First, Moran helps us discover the root of the symptoms. Then we learn how to break up with fat, broke & lonely for good. And finally, we learn how to hook up with the life of our dreams and who doesn't want that?

A new method for the practical identification and recognition of trees -- and an important supplement to existing botanical methods.The book is in two parts: Pictorial Keys and Master Pages. The Keys are designed for easy visual comparison of details which look alike, narrowing the identification of a tree to one of a small group -- the family or genus.Then, in the Master Pages, the species of the tree is determined, with similar details placed together to highlight differences within the family group, thus eliminating all other possibilities. The details of the Oak trees on this plate are an example of the system.All of the more than 1500 photographs were made specifically for use in this book and were taken either in the field or of carefully collected specimens. Where possible, details such as leaves, fruit, etc., appear in actual size, or in the same scale.

When John and Aileen Crowley learned that their two youngest children had a rare and little understood genetic disorder, they didn't hope for miracles: they made them happen.In 1998, 15-month-old Megan and 4-month-old Patrick were diagnosed with Pompe disease, a rare and fatal neuromuscular disorder that affects only a few thousand children worldwide, usually leaving them with little to no muscle function, enlarged hearts, and severe difficulty breathing. The Crowleys were told to take their children home and "enjoy their short time together...there is nothing that can be done."Raised in a blue-collar neighborhood in northern New Jersey, John Crowley, a recent Harvard MBA graduate working at Bristol-Myers Squibb, was just beginning to taste success in corporate America. But now he was absolutely determined to find a treatment to save his children's lives. Frustrated with the pace of Pompe research, Crowley walked away from the corporate world at the age of 31 to help co-found a start-up biotech company, focused exclusively on producing a lifesaving medicine.In Chasing Miracles, John Crowley writes from his heart about how he and his wife set out to do "whatever it takes" against phenomenal odds to help Megan and Patrick first to survive, and then to thrive and to keep their family, including oldest son John Jr., together and their marriage strong. He tells about learning to ask for help, about not losing faith, about coping with adversity, about the generosity and kindness of others, and, most importantly, about what it means to never, never quit.As Aileen Crowley writes in her foreword, "This book is our family's attempt to share much of what we have learned, especially from our children, who have taught us more about life and love than we have ever taught them."

这是一本动漫绘画基本原理与技法讲解专业教程。 本书由原画人在线培训机构的9 位绘画和教学经验丰富的老师共同编写而成，共分9章。第1章介绍计算机绘画软件Sai和Photoshop中常用笔刷的使用方法；第2章围绕线稿的练习方法和线条的表达手法讲解示范线条的绘画运用；第3章对常用的构图类型进行了较为*的罗列和解析；第4章围绕透视的概念和原理进行了讲解，并进一步介绍了透视在人物绘制中的实际运用；第5章从色彩的基本概念、基本因素出发，讲解了色彩的基础知识和原理，介绍了色彩的搭配和应用技巧；第6章围绕光源的种类、常见的自然光源（天气）两方面，讲解了光影的基本原理，介绍了绘画实操中光影的使用技巧和规律；第7章以素描关系为重点，讲解分析了素描的基础原理，介绍了空间、物体造型的练习方法；第8章从人体比例、人体简化几何出发，围绕人体中的结构体块、肌肉分布等知识讲解，介绍了头像表现、人体动态的表现技法；第9章从厚涂、平涂两种风格出发，分类讲介绍并解了人体肌肉、头发和其他不同材质的表现技法。 本书适合绘画初学者、零基础动漫爱好者和在校美术类学生，以及动漫行业从业人员学习或参考使用。

《大地颂歌：花园之旅》 有一天，我感受到一种深深的渴望，一种想要亲近大地的急切需求。于是，我决定每天去做园艺。经历了三次春夏秋冬四季轮回，我在被我称为秘苑的花园里侍弄花草已有三年。在花朵竞相开放的花园里驻足停留，使我再次变得虔诚。 在眼前这本书中，某些字句是在祈祷，在告白，在对大地和自然进行爱的告白。大地不是死的、无生气的、沉默的存在，而是一个善言的生命体，一个生机勃勃的*体。就连石头也有生命。 今天我们恰恰正在残暴地利用它，蹂躏它，并由此彻底摧毁它。大地发出请求， 要我们爱护它，善待它。“爱护”在词源上与“美”同源。爱护它，就要赞颂它。本册文字皆为赞美诗，是对大地的赞颂。 《时间的香气：驻留的艺术》 如今的时间危机并非加速。加速的时代早已过去。目前我们认为的加速，只是时间涣散的症状之一。今日的时间危机源于一种导致各类时间障碍和错误感知的时间紊乱。时间缺乏有序的节奏，陷入失调状态。这种紊乱让时间仿佛在飞驰。 这种时间紊乱并非强制加速的结果，其首 要原因是时间的原子化，这也是为什么人们感觉时间的流逝比以往快得多。时间涣散导致人们不可能去经验何为持存。没什么能让时间驻足。生命不再被嵌入能创建持存的秩序体或坐标系中。 本书通过回顾历史提请人们注意，必须换一种方式理解日常生活，以避免陷入时间危机。作者缅怀的并非“讲述的时间”。讲述的终结，或故事的终结，并不一 定意味着时间上的空白。它有可能开启一种无关神学和目的论的、散发自己独特香气的生命时间。它的前提是让“沉思的生活”复苏。 《叙事的危机》 当今是一个人人都在谈论叙事的时代。矛盾的是，叙事话题的泛滥竟暴露了一场叙事的危机。在“故事化”的喧嚣中，充斥着一种既无意义又无方向的叙事真空。 资本主义借助故事化将讲述占为己有。它让讲述听命于消费。故事化生产出消费形式的故事。在故事化的帮助下，产品被赋予了情绪，向消费者承诺独特的体验。如此一来，我们买卖、消费的其实是叙事与情绪。“故事”被推销，故事化实为卖故事。 讲述创造出共同体，而故事化只催生出社群。社群是共同体的一种商品形式，由消费者组成。任何的故事化形式，都无法重新点燃那团把人聚在一起相互讲述故事的篝火。篝火早已熄灭。

本书在总结作者多年教学科研成果及指导生产实践经验的基础上，结合积累的大量原生态素材及创新模式集合而成。本书以全彩的形似，分别详细介绍了苹果、梨树、山楂、桃、李、杏、樱桃、葡萄、猕猴桃、核桃、板栗、柿树、枣树、石榴、草莓、蓝莓、花椒、枸杞等18种落叶果树的700多种病虫害（含病害400多种、害虫300多种）的发生与为害、症状及形态诊断、发病（生）规律、防控技术等全程植保防控技术。需要说明的是，每种病虫害均配以高清图片，全书精选4800多幅高清原色图片相配应（含病害照片3200多幅、虫害照片1600多幅）。另外，本书还精心编绘了300多幅重要病虫害的防控技术模式图（病害防控图150幅、害虫防控图160多幅），使防控技术措施更加直观、一目了然，这也是病虫害防控技术的一种创新与尝试。作为当前果树栽培领域一部不可多得的大型工具参考书，全书图文并茂，彩色照片清晰微，文字通俗易懂，技术操作简便易行，非常适合于广大果农、果树种植专业人员、农技生产与推广人员及农资经营与服务人员等阅读，也适用于农业院校及科研院所的果树、植保等相关专业师生及科研人员参考。

From the vantage point of "real life" (as dancers say), Collusion tells the story of a young girl's initiation into the disciplined, exalting world of classical ballet and into a secret love relationship with F., the ballet master whom she adored. "Do you want to be a great dancer?" F. had asked her when she was twelve. She did. And so Collusion tells of how she gave up ordinary life--family, boyfriends, hamburgers, homework, and pop music--for a life dedicated to the promise of artistry. At the center of that new life was always the figure of F.--ironic, moody, demanding, quixotically generous or withholding--who could control her with a sarcastic comment or the flash of his cane across her thigh, but also with the lyrical beauty of his classes and the vision of herself in a perfect arabesque. F. was the first man to partner her, and the first to teach her that love can come in strange forms: in the airborne lifts of Les Sylphides, in brilliant pirouettes, and in measured violence. Collusion describes the secret life of ballet. It is a life in which "normal" values are reversed. Brutality is seen as a gift, fear as devotion, sadism (rightly, in this case) as love. Free of conventional moral judgments, Collusion tells of possession and surrender, of power and submission, of the bond between a young girl and an older man. In spare, emotionally resonant prose, award-winning poet and novelist Evan Zimroth unfolds a mesmerizing story of artistic ambition, power, and love in an unforgettable memoir of adolescence. Collusion portrays a real relationship, one that society dares not speak of, and it does so with admirable honesty and sensitivity.

Each Christmas, adults and children alike delight at the story of the kings from the East who followed the star to Bethlehem to offer gifts to the newborn Christ. While this familiar tale is recorded in the Gospel of Matthew, another little-known version later emerged that claimed to be the eyewitness account of the wise men. This ancient manu* has lain hidden for centuries in the vaults of the Vatican Library, but through the determined persistence of a young scholar, Brent Landau, this astonishing discovery has been translated into English for the very first time as the Revelation of the Magi. Everything we know about the wise men is based on only a few verses from the Bible. With the Revelation of the Magi, we can now read the story from the Magi's perspective. Readers will learn of the Magi's prophecies of God's incarnation from the beginning of time, their startling visitation in the form of a star, the teachings they receive from the baby Jesus, and the wise men's joyous return to their homeland to spread the good news. This ancient version of the Christmas story is guaranteed to astonish and delight. It will also raise larger questions of the significance and meaning of Christ's birth, and the mission to spread the good news to every corner of the globe. All the drama and intrigue of the brief de*ion of Jesus's birth in the Bible is filled out in greater, more colorful detail, offering for the first time the complete story of these beloved characters.

Ayurveda has become the most prevalent and respected holistic discipline in America today. Popularized by bestsellers such as Deepak Chopra's Ageless Body, Timeless Mind, its principles of working in harmony with nature and treating the mind, body and spirit as a whole have been wholeheartedly embraced by millions.Absolute Beauty applies Ayurveda's principles to create a truly unique approach to skin care. Unlike other beauty books, which concentrate solely on creating superficial beauty through makeup or drugs like Retin-A, it helps readers achieve the kind of radiance that comes from within a beauty that is so luminous, so vital, that it transcends age, fashion and physical flaws. The book includes: a self-test to help readers determine their exact skin type, customized skin-care regimens; a consumer's guide to the dizzying array of so-called natural products available; remedies for common skin problems; important nutrition information; instructions for detoxifying the body; and a discussion of the spiritual side of Ayurveda to show how it can help readers achieve tranquility and the resulting inner glow.

With the death of Senator Edward Kennedy, a significant chapter in American history will come to a close. The Kennedy legacy is enormous and vital, and the American fascination with the family on a personal and political level has long endured. Images of Camelot, the Kennedy family on the beach in Hyannisport, Bobby Kennedy campaigning for the presidency with his ever-present dog Freckles and the sad passing of his funeral train that drew thousands, Teddy Kennedy′s place on Capitol Hill as a champion of health care and family patriarch with its joys (giving Caroline away on her wedding day) and sorrows (bearing the metal coffin with the remains of John F. Kennedy, Jr. back to Woods Hole after his fatal 1999 plane crash)--these pictures are embedded in the American psyche. Americans can identify with the Kennedy family on a personal level: while their losses and sorrows have been enormous, their achievements have been enormous, their verve, intense and heartfelt. This book celebrates that legacy. Inspiring and uplifting, and organized thematically by subjects such as truth, determination, discipline, listening to your inner voice, and other relevant topics. It captures the wit, wisdom, and distinct personality of each of these dynamic leaders. It is at once an homage to the Kennedys and a book of inspirational guidance. The content includes first-person quotations, excerpts from letters, interviews, and speeches by each man. It also includes anecdotes and observations on the three brothers by other family members, such as Joseph Sr. and Rose. Three eight-page inserts reveal images of the brothers--alone and together--from their youth to their final days. The book is structured as a must-have memento: beautifully designed, it makes a great gift, particularly with its selection of carefully chosen pictures. With its diverse editorial content, it will appeal to those with an interest in history and politics as well as to those with a more pop-culture interest in the Kennedy aura. With its compelling stories, passionate views on life and overcoming difficulty, it captures the essence of each man′s personality, and provides solace and inspiration for the reader, which will appeal to the self-help audience.

本书由中国科学院上海营养与健康研究所生命科学信息中心组织编写，主要基于上海市软科学研究项目“上海细胞治疗和基因治疗产业发展研究及政策建议”的研究成果而成。全书包括五篇，共十四章，从细胞治疗作为“活体药物”的本质特出发，围绕细胞治疗概述（定义、分类、发展历程、应用前景等）、研究态势（基础研究、专利技术、临床试验、创新产品、技术发展趋势及主要壁垒）、研究展（CAR-T、TCR-T、CAR-NK、间充质干细胞、诱导多能干细胞等）、产业发展（产业规模、产业、企业分布、产业融资等）、政策与监管体系（发展规划、政策特、法律法规、监管方式）等内容，全面、系统地梳理了细胞治疗行业的技术创新和产业发展。本书可为细胞治疗领域的政策制定者、研究人员、管理人员、从业人员等提供参考。

本书全面介绍了ROS机器人操作系统及其在无人机编程中的应用，内容涵盖智能机器人和无人机等从门到精通所需的技术发知识要。本书从ROS基础知识手，由ROS1过渡到ROS2再到两者的移植与转换，由浅深、逐级阶，以无人机的编程应用为平台，就目前流行的机器人SLAM定位算法、深度学习识别算法、基于运动控制学的控制算法以及全局加局部的轨迹规划算法等重和难，行了详细阐述。全书语言通俗易懂，辅以程序案例及注释，并通过仿真的形式，让读者能够轻松地学习ROS及无人机编程。本书可供智能机器人及无人机等相关行业技术工作者阅读参考,也是ROS爱好者的实战宝典，还可作为高校相关专业师生的参考书。

本书介绍了代谢组学的技术及应用概况、代谢组学的气相色谱- 质谱联用技术、液相色谱- 质谱联用技术、核磁共振技术、代谢组学数据预处理方法、基于代谢组学数据的多变量分析、基于色谱- 质谱联用技术的代谢物定性，并介绍了植物脂质组、植物代谢网络分析，还讲解了这些技术的具体应用案例，比如 LC-MS 在植物代谢组学中的应用、NMR 在植物发育和其应答生物/ 非生物胁迫中的应用、代谢组学方法在中药研究中的应用。本书后介绍了代谢组学领域的研究趋势，比如代谢组数据的深度挖掘及应用，并将“基于质谱的代谢组学：注释、定量和报告实践指南”作为附录介绍给大家，参考性非常强。本书适合高等院校、研究院所生物、化学、医药、农业相关专业的本科生、研究生、科研工作者及专业技术人员参考学习。

本书基于作者研究成果及目前土体固化剂发展现状，以土体固化剂的种类为主线，系统阐述了各种土体固化剂的原材料来源、制备过程、生命周期评价、作用机理及其在土体加固、废土材料化、污染土修复、止水防渗和防水堵漏等方面的应用。涉及的土体固化剂包括水泥类、石灰类、水玻璃类、磷酸盐类、碱激发类、镁质、离子土类、环氧树脂类、丙烯酰胺类、聚氨酯类、无机无机复合类、无机有机复合类、生物酶类、生物菌类等。本书可供从事岩土工程和环境工程及相关专业的科技人员、管理人员及相关专业学生阅读和参考。

本书根据内容分成4部分，首先介绍了颗粒粒度的基本知识以及光散射和超声散射颗粒测量技术的理论基础、反演算法等。其次介绍了基于光散射理论和超声散射理论发展的各种颗粒测量技术，包括纳米颗粒测量、亚微米和微米颗粒测量、直径到数千微米的特大颗粒和液滴喷雾的测量、高浓度颗粒测量、气溶胶颗粒测量等，覆盖了目前在科研和生产生活中遇到的各种颗粒粒度范围。再次介绍了颗粒粒度测量技术的应用和仪器，并介绍了其他一些颗粒测量技术作为上述基于光散射和超声散射的各种颗粒测量技术的补充。后列举了各种情况下的应用实例。还提供了国内外有关颗粒测量的各种标准、国内外生产和提供标准颗粒的厂商名录、标准颗粒规格等资料，对于从事颗粒测量的科技人员有很大的参考价值。 本书是作者多年来在颗粒测量技术研究和应用领域的总结，是当今国际上颗粒粒度测量技术发展的方法和技术，也反映和代表了我国目前颗粒粒度测量技术的水平。 本书适合广大涉及到颗粒测量、颗粒研制、生产和应用的科研人员和工程师提供参考，并可作为高等学校有关学科的教师和研究生的教材和参考书。

本书简单介绍了低阶煤特性及其分质利用的概念与发展现状，重阐述了分质利用龙头技术中低温热解以及三相热解产物中低温煤焦油、热解气、热解半焦的分质利用技术的原理、关键技术及发展方向，并对分质利用过程中的环境保护技术和系统集成方案行了探讨。 本书适合从事煤炭清洁高效转化利用方向的科学技术人员和工程技术人员使用，也可供大专院校煤化工相关专业的师生参考。

近年来，随着人工智能、大数据和云计算等科技的飞速发展，用于光谱分析的新型化学计量学方法如雨后春笋般涌现出来，成为光谱分析技术中发展为迅速的分支之一，是国内外本领域专家学者重和热的研究方向。本书主要论述用于光谱分析的化学计量学方法，包括光谱预处理算法、变量选择算法、数据降维算法、线性和非线性多元定量校正算法、模式识别算法、校正样本选择算法、界外样本识别算法、模型更新与维护算法、多光谱融合算法、模型传递算法和深度学习算法等。本书在保证全面性和系统性的基础上，对国内外的研究展行归纳述评，尤其是将这些方法与科研发和实际应用紧密结合起来，对许多算法的改和策略的延伸做了重评述，为本领域科研和应用工作者提供值得借鉴的新观和新思路。 本书可作为从事光谱分析、化学计量学、分析仪器、现场快速或在线分析、过程控制等领域的研究和应用人员的参考书，也可作为相关专业的本科生和研究生的选修教材或教学参考书，以及企事业单位专业人员技术技能的培训教材。