Xem 1-20 trên 39 kết quả Lower stress
  • The most American form of meditation yet 8 minute meditation Quiet your mind. Change your life 8 minutes to greater peace 8 minutes to lower stress 8 minutes to improved focus

    pdf188p nhutthinh 17-07-2009 196 88   Download

  • There is huge uncertainty about future budget deficits and their financing. Economists disagree about how quickly deficits should be reduced: some would stress deflation risks and others inflation risks. Even if economists were to agree, there would still be great uncertainty about political choices on macroeconomic policy. It is nevertheless certain that government debt/GDP ratios in major countries will continue to rise over the next few years. Even the optimistic G20 pronouncements do not envisage debt/GDP ratios in the advanced countries stabilising before 2016.

    pdf97p taisaovanchuavo 23-01-2013 20 6   Download

  • 524 Long Butterfly Strategy: Buy lower strike option, sell 2 higher strike options, and buy a higher strike option with the same expiration date (all calls or all puts). Market Opportunity: Look for a range-bound market that is expected to stay between the breakeven points. Maximum Risk: Limited to the net debit paid. THE OPTIONS COURSE FIGURE C.22 Long Butterfly Spread Maximum Profit: Limited. (Difference between strikes – net debit) × 100. Profit exists between breakevens. Upside Breakeven: Highest strike – net debit. Downside Breakeven: Lowest strike + net debit.

    pdf53p banhbeo2 05-11-2011 71 10   Download

  • On broader measures of innovation, New Zealand fi rms have higher rates of marketing and product innovation, but relatively lower rates of process and organisational innovation. New Zealand businesses focus their innovation mainly on production for the domestic market rather than international markets, and innovation for international markets is low relative to fi rms in the EU. The share of medium-high and high-tech products in exports is low, and the sophistication of New Zealand’s exports overall is consistent with its per capita income.

    pdf36p trinhcaidat 19-04-2013 23 7   Download

  • Given that thinking steps have been shown to be modestly correlated with the efficiency of working memory (measured by digit span; see Devetag and Warglien, 2003) and aging may reduce working memory or, potentially, some other cognitive process related to strategic reasoning, these changes could lead older subjects to use lower values of n, and to choose higher numbers than younger subjects.

    pdf28p taisaokhongthedung 01-01-2013 19 6   Download

  • Acoustic fatigue is due to a very high intensity excitation as a result of pressure waves caused by either engine or aerodynamic effects. Acoustically-induced cracking has occurred on the external surface of the lower nacelle and aft fuselage skins on the F/A-18, as illustrated in Figure 19.1. In the former region, overall sound pressure levels greater than 170dB have been measured in flight [l]. These high sound pressure levels appear to be a result of an aerodynamic disturbance at the inlet lip....

    pdf570p nhatkyvodanh 11-08-2012 33 5   Download

  • Perceived quality of care is an important factor that determines whether people choose to utilise SRH services. Evidence from Bangladesh, Senegal and Tanzania suggests that in areas where women felt that they were receiving a high standard of care, they were more likely to use contraceptives than in areas with lower quality health facilities. Improving quality of care requires that patients’ perspectives and levels of satisfaction are taken into account when evaluating services, and are incorporated into policy decisions.

    pdf9p ut_hai_can 25-12-2012 25 5   Download

  • How and when such theoretical uncertainty will translate into actual market movements will depend on market dynamics. Because of extreme monetary ease, short-term interest rates have been close to zero for some time and markets expect policy rates to remain low. The yield curve is quite steep yet long-term interest rates are very low by historical standards. Graph 4 shows that the US dollar term spread has been around 250–350 basis points since mid-2009.

    pdf35p taisaovanchuavo 23-01-2013 20 5   Download

  • Two approaches were selected for the study, both of which were based on an initial hot water treatment: the “chemical” where bleached pulp is produced for printing and writing papers by hot water treatment and the following alkaline peroxide bleaching (Paper II–IV) and the “mechanical” where the unbleached material from the hot water treatment stage is mechanically refined (Paper II, V) to produce fibres for packaging grade papers. In the future, the straw fibre could be considered as a raw material for biocomposites.

    pdf55p loixinloi 08-05-2013 23 5   Download

  • Subsidy rates range from 38% to 67% for policies using either “basic” units or “optional” units. Basic units cover all plantings in a single county of a crop with the same tenant/landlord. Optional units are basic units divided into smaller units by township section. As newly authorized under the 2008 farm bill, a higher subsidy rate (up to 80%) is provided for policies using enterprise units (all land for a single crop in a county, regardless of the tenant/landlord structure). Because the premium for policies using enterprise units is lower (i.e.

    pdf6p quaivatxanh 29-11-2012 26 4   Download

  • The credit quality of a bond depends on the issuer’s ability to pay interest on the bond and, ultimately, to repay the principal upon maturity. Independent bond-rating agencies evaluate the financial health of bond issuers and issue alphabetical credit-quality ratings. Usually a lower credit rating means that the issuer must pay higher interest to offset the higher risk that principal and interest won’t be repaid on time. Figure 2 on page 10 describes the ratings used by Moody’s Investors Service, Inc., and Standard & Poor’s Corporation.

    pdf52p enter1cai 16-01-2013 17 3   Download

  • For the banking group as a whole, costs of doing business may be lower under the branch structure than under the subsidiary structure. Maintaining greater self- sufficiency of affiliates in a subsidiary structure requires that each affiliate hold higher capital and liquidity buffers to limit the likelihood of failure. This results in higher levels of capital and funding for the banking group as a whole than under the branch structure.

    pdf5p machuavo 19-01-2013 7 3   Download

  • But uncertainty about the path of future interest rates (and differences in investor preferences) will make debt of different maturities imperfect substitutes. Because of this, changes in the mix of short-term and long-term bonds offered by the government will change relative prices and thus influence the shape of the yield curve. At the same time, monetary policy based on setting the policy rate becomes less effective: the lower the degree of asset substitutability, the weaker the transmission of changes in the overnight rate to other interest rates.

    pdf0p taisaovanchuavo 23-01-2013 14 3   Download

  • The quality of air in Kathmandu valley is much lower than the national and international standards and the occurrence of high level of PM 10 in the atmosphere has become a major health concern. Vehicular emission followed by road re-suspension dust, smoke and dust out of the brick kilns are the main culprits. It is not that there is nothing done to address this grave problem. Various GOs and I/NGOs and private sector alike have shown their concern to address the problem of air pollution in Nepal but they are strikingly insufficient as compared against the magnitude and gravity of...

    pdf30p saimatkhauroi 01-02-2013 8 3   Download

  • Despite the different methods used, the results of the three countries are similar, especially concerning PM10 levels caused by road traffic. The differences in total PM10 can be explained by the fact that (a) the background concentration is higher in Central and Eastern Europe than in the Western parts of Europe and (b) for Switzerland, large areas at higher altitudes have significantly lower PM10 levels. Furthermore, the sulphate fraction of the background concentration may increase from Western to Eastern Europe, resulting in an increase of the non-traffic related PM10 fraction.

    pdf14p doipassword 01-02-2013 14 3   Download

  • Amortizing securities, such as mortgage securities, have similar performance characteristics. A mortgage borrower has the right to pay off, or “call,” the debt before maturity. The mortgage lender therefore has sold a call option to the borrower. Since mortgage securities pass through cash flow from the underlying mortgage loans to investors, investors in mortgage securities have effectively sold call options to borrowers.

    pdf124p bocapchetnguoi 05-12-2012 26 2   Download

  • A higher-risk CMO tranche could, for example, have an average life that changes from 2 years to 20 years with even a modest increase in interest rates. Higher risk refers here to the cash flow variability of the tranche, not its credit quality, although underwriters can create structured securities that combine higher average life sensitivity with lower credit quality. The highest yields go to those tranches that, by design, exhibit the most volatile average lives. Such tranches receive excess principal cash when prepayments rise, and pay off early.

    pdf45p bocapchetnguoi 05-12-2012 16 2   Download

  • The inverse relationship between coupon rate and price sensitivity results from the distribution of cash flows. Compared to a lower coupon bond, more of the total cash flow of a high coupon security will come from interest payments. Interest payments are received throughout the life of the bond, which means that, relative to a lower coupon bond, a higher coupon bond will have a higher proportion of its cash flow returned sooner. The earlier the cash flow occurs, the less price sensitive its cash flow is. As discussed above, longer maturity cash...

    pdf37p bocapchetnguoi 05-12-2012 12 2   Download

  • Of 1,605 study participants, 1,250 were PTB patients and 355 were non-TB controls. At baseline, HIV was associated with 246 (95% CI: 203; 279) cells per μL lower CD4 counts. All PTB patients had 100 cells per μL lower CD4 counts than the healthy controls. The CD4 levels were largely unchanged during a five-month of TB treatment.

    pdf7p taisaocothedung 12-01-2013 13 2   Download

  • The headline regulatory ratios for the four major Australian banks are lower than for other countries (Figures 8 and 9). However, differences in regulatory rules relating to the calculation of required capital suggest that different jurisdictions’ capital ratios should be interpreted with caution. In particular, the risk weighted assets numbers are not directly comparable across countries.

    pdf26p machuavo 19-01-2013 17 2   Download

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