Financial Products: An Introduction using Mathematics and Excel

Book Description

Financial Products provides a step-by-step guide to some of the most important ideas in financial mathematics. It describes and explains interest rates, discounting, arbitrage, risk neutral probabilities, forward contracts, futures, bonds, FRA and swaps. It shows how to construct both elementary and complex (Libor) zero curves. Options are described, illustrated and then priced using the Black Scholes formula and binomial trees. Finally, there is a chapter describing default probabilities, credit ratings and credit derivatives (CDS, TRS, CSO and CDO). An important feature of the book is that it explains this range of concepts and techniques in a way that can be understood by those with only a basic understanding of algebra. Many of the calculations are illustrated using Excel spreadsheets, as are some of the more complex algebraic processes. This accessible approach makes it an ideal introduction to financial products for undergraduates and those studying for professional financial qualifications.

Using Financial Accounting: An Introduction

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Using Financial Accounting: An Introduction
Bruce R. Neumann , Elizabeth C. Conner , and Dennis Francis Murray
Manufacturer: Kendall/Hunt Publishing Company
ProductGroup: Book
Binding: Paperback

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Using Financial Accounting, 2e means "change without pain" to adopters. This text looks at the balance sheet with a user-oriented approach that minimizes or eliminates procedure (debits and credits) and the accounting cycle. The focus is on ratio analysis and information usefulness. Financial statements are introduced early (Ch. 3) and are used throughout,

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Using Financial Accounting: An Introduction
Murray, Dennis, Bruce R. Neumann, and Pieter Elgers
Manufacturer: South-Western College Publ.
ProductGroup: Book
Binding: Hardcover
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Using Financial Accounting : An Introduction
Dennis Francis; Neumann, Bruce R.; Elgers, Pieter T. Murray
Manufacturer: South-Western Educational Publishing
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Using Financial Accounting an Introduction: Study Guide 2nd

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Using Financial Accounting an Introduction: Study Guide 2nd
Cecilia M.; Murray, Dennis; Elgers, P. Fewox
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Using Financial Accounting: An Introduction - Solutions Manual

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Using Financial Accounting: An Introduction - Solutions Manual

ProductGroup: Book
Binding: Paperback
ASIN: 0314209778

Book Description

Regulating company e-mail and Internet usage isn't a "big brother" tactic. These days, it's just smart business.

That's because trillions of e-mails travel each year through corporate networks- -and they're not all work-related. From off-color jokes to pornographic images, from software pirates to eBay addicts, digital abuse has left companies wide open to liability risks, security breaches, and productivity nosedives.

The most effective--and least used--way for a company to protect itself is by developing clear, comprehensive e-policies. And this completely thorough, up-to- date, and readable e-policy survival kit will make it easy.

Packed with step-by-step guidelines, sample policies, and e-disaster stories, THE E-POLICY HANDBOOK helps readers: Realize the magnitude of e-risks * Understand cyberlaws * Gauge the vulnerability of their organization * Purchase protective cyber-insurance * Write and format top-notch e-policies * Train employees about on-line policies * Draft an e-crisis communications plan, and more.

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Regulating company e-mail and Internet usage isn't a "big brother" tactic. These days, it's just smart business. That's because trillions of e-mails travel each year through corporate networks -- and they're not all work-related. From off-color jokes to pornographic images, from software pirates to eBay addicts, digital abuse has left companies wide open to liability risks, security breaches, and productivity nosedives. The most effective -- and least used -- way for a company to protect itself is by developing clear, comprehensive e-policies. And this completely thorough, up-to-date, and readable e-policy survival kit will make it easy. Packed with step-by-step guidelines, sample policies, and e-disaster stories, The E-Policy Handbook helps readers: Realize the magnitude of e-risks -- Understand cyberlaws -- Gauge the vulnerability of their organization -- Purchase protective cyber-insurance -- Write and format top-notch e-policies -- Train employees about on-line policies -- Draft an e-crisis communications plan, and more.

Customer Reviews:

Writing Effective E-Policies Is a Team Effort.......2005-07-12

Does your company or organization have a policy that covers writing style in electronic communications? Does your company or organization have cyberinsurance to cover losses attributed to errors or employee misbehavior using your e-mail systems? Does your company or organization offer netiquette training for employees and managers? These are topics that many do not think of but should and that are covered in detail in The ePolicy Handbook: Designing and Implementing Effective E-Mail, Internet and Software Policies by Nancy Flynn (256 pages ; The American Management Association, 2001). Though this book is a few years old, it is worthwhile for Human Resource managers and anyone else involved in the development of ePolicies for their company organization.

The book starts out by covering what every organization should do when deciding what kind of business controls to put in place: the conduct of a risk-assessment. This step is key to putting together a team, conducting a control self-assessment (the author refers to this as an audit, which really is the wrong term from a business controls perspective).

The second part of the book covers the establishment of over all ePolicies to limit liability and exposure. One of the key considerations here is the purchase of appropriate liability insurance. As the reader moves through the book, they will be walked through the steps to craft effective policies for the use of E-Mail. the Internet, and computer software (especially piracy issues). It is after this point where most readers will get perhaps the biggest surprise and guidance. Specifically, the reader will be walked through what steps are needed to truly make any written policies effective. This includes getting buy-in from all line managers, communication of the policies, training and following through. The reader will then be walked through the establishment of eWriting policies for employees, with the main point being that writing e-mail communications should follow the same rules and style of other written communication sent through snail mail. The book finishes up discussing how to respond to an eCrisis.

The book is a very easy read and can be a valuable resource. The only things I did not like about the book is that there are too many points repeated in the book and the fact that the book did not include a CD-ROM of samples from the book was not included. The repeated points may have been for emphasis, but to this reader often seemed to be space filler. The only other caution for potential readers is that the book, while providing good information and examples, seems to be a lead-in as a commercial for the services and her colleagues in and around Columbus, Ohio. I wish that had been a little less blatant than as presented in Appendix E.

The Scorecard: Par on an average Par 4.

From workplace piracy to e-theft insurance.......2001-04-29

This key to designing and implementing email and software policies in a company structure provides business owners and managers with important information on how to produce clear policies which regulate computer use. From workplace piracy to e-theft insurance, Nancy Flynn's The ePolicy Handbook covers a wide range of topics and concerns.

Cuts down on time to produce an effective e-policy.......2001-04-10

This book covers all of the key points and provides some excellent topics to include in a corporate e-policy. The goal of this book is to aid you in developing a policy that will provide clear, enforceable guidelines to your employees in the acceptable use of the Internet and electronic mail, and to protect your company's image.

It starts out with a well developed approach to assessing your current situation with respect to Internet and software usage, and provides a handy list of questions to aid in this task. The key objective is to discover your company's exposures and what abuse of systems or services [if any] need to be immediately addressed by the policy.

In order to fully understand the results of your assessment and how they relate to risks and exposures, the author provides fundamentals of "cyberlaw" and general security concerns that will indicate, roughly, the degree of risk your company faces. These are important considerations for tailoring an e-policy to which your employees can relate. I liked the chapter on cyber insurance products and how they can be used to transfer some of the inherent risks to an underwriter. I didn't even know such policies existed. The author also addresses software piracy, which can be a big issue because the world wide web has many sources for pirated software (commonly called "Warez"). It goes without saying that pirated software can expose your company to legal headaches and expenses, not to mention technical headaches and lost productivity that will occur if that stolen software also comes with a virus attached.

The book then shows you how to develop an e-policy that is based on your assessment results, and the issues previously discussed in the book. What is valuable here is that the author provides a list of all elements that need to be included in the policy. Moreover the next chapters provide additional material that will prove to be invaluable in preparing your company for the policy. For example, there is a "Netiquette" primer for employees, on-line writing guidelines, and advice on training your employees. The training aspect of implementing an e-policy is especially important because many employees have home computers and are experienced Internet users. They might consider themselves to be experts and may resent being "constrained" by a policy that dictates how they use the Internet at work. Educating them and getting their "buy-in" is essential, and the author provides some effective ways to get that "buy-in".

I found the sample policies in the appendices to be particularly valuable to use as guidelines for drafting a clearly-worded policy that covers all key elements. The applicable laws cited in the appendices were also valuable because they indicate the many sources of legal risks (and protection) that touch an e-policy.

This book provides an excellent starting point for developing an effective e-policy that can be closely tailored to your company and "sold" to your employees. Its clear writing, completeness and sensible advice earn it 5 stars. I will offer one caveat: any e-policy developed based on this book or any other should not be issued until it has been carefully reviewed by legal counsel. I am not an attorney (I am a computer consultant by profession), however, I do know that such a policy touches so many aspects of privacy and employment law that you may put your company at greater risk by implementing a policy that has not been reviewed by qualified legal counsel than by having no policy at all.

Book Description

The 2004 Cumulative Supplement includes new information on:

Charitable split-dollar insurance plans legislation.
One set of regulations relating to prevention of certain abusive transactions involving charitable remainder trusts and another intended to eliminate the use of vulture charitable lead trusts.
Tax treatment of donor-advised funds and contributions to them.
Solicitation of public comment issued by the IRS concerning application of the federal tax law governing tax-exempt organizations' communications activities by means of the Internet.

Customer Reviews:

Excellent Star Reference.......2006-02-26

My Dad requests this calendar every year. It is well worth the expense. He refers to it often throughout the year. This year we were especially happy with the cover which depicts Navajo constellations. As Dad is an amateur expert on Indian Lore, this was of special interest to him.

Book Description

The ability to predict the behavior of fermentation systems enhances the possibility of optimizing their performance. Mathematical equations of model systems represent a tool for this and the most recent advances in computer hardware and software have made the approach more effective than previous simplistic attempts. The current knowledge of biochemical microbial pathways and the experience in optimization of chemical reactors combined with extremely powerful and accessible computers, loaded with easy to use software and mathematical routines, are changing the way processes are being developed and operated.

This book has been written for all those who work with microbial cultures, providing a useful, quick and contemporary re-education for practitioners and students alike, breaking through interdisciplinary barriers. Biologists, engineers and biochemists will benefit from the methods of microbial process description and optimization based on mathematical equations. The basic techniques of modeling the bio-system are summarized in Part I. The useful concept of mass balancing is introduced in Part II for those who are not used to this simple and very useful engineering tool. An extensive and descriptive case study of a selected fermentation bio-process in Part III elucidates further the concepts of very pragmatic mathematical modeling of bioreactor systems.

The volume outlines how to simply develop mathematical models of microbial systems and demonstrates their power to: guide and minimize the experimental work; check the consistency of experimental results; predict the behavior of the bio-system and analyze biocatalytic processes; diagnose the anomalies in the microbial culture behavior and optimize the performance of bioreactors.

Book Description

According to the authors of this book, who explore evolutionary theory from a clear Christian perspective, the common view of conflict between evolutionary theory and Christian faith is mistaken.

Written by contributors representing the natural sciences, philosophy, theology, and the history of science, this thought-provoking work is informed by both solid scientific knowledge and keen theological insight. The three sections of the book address (1) relevant biblical, historical, and scientific background, (2) the scientific evidence for an evolving creation, and (3) theological issues commonly raised in connection with evolution, including the nature of God's creative activity, the meaning of the miraculous, and the uniqueness of humankind. Woven through the volume are short meditations designed to direct readers toward worshiping the God of providence.

Customer Reviews:

It's a great book for all Christian Scientists to have to read it........2007-10-06

Not so long to read this book, I felt that how I would be ignorant in Bible and Science. It's a must-read book for all sunday school teachers, preachers, theologists as well as engineers and schientists in Christian communities. I was told a lot by Creation scientist's view, but this gives me a chance to listen the other view. Now I can have a balanced view about evolution and creation theories, and how both of theories can be emerged in Bible.

A solid foundation for exploring theistic evolution.......2007-07-18

Perspectives on an Evolving Creation is an essential tool and good starting foundation for anyone exploring theistic evolution.

The book is a collection of essays by experts on a variety of topics concerning theistic evolution. This approach is wise, since most books with a single author cannot encompass such a broad range of issues without the author showing his ignorance in some areas.

The essays are divided into three sections: Providing a Context, Scientific Evidence and Theory, and Theological Implications and Insights.

"Providing a context" is a brilliant selection of works covering an introduction to the topics, a brief history of the conflict, and philosophy of science. A couple of essays show the movement of Concordialism (basically progressive creationism) that was replaced by early versions of theistic evolution held by people such as Asa Gray and James McCosh. Another essay discusses the various views and debates held by Charles Hodge, and Benjamin Warfield - all of this harmony taking place before fundamentalism upset the peace and began the conflict in the 20th century. In the middle is a wonderful and insightful essay by Conrad Hyers that shows that Genesis 1-3 did not wait thousands of years for hidden scientific truths to be discovered, but rather had meaning to the original audience in expressing key theological truths and combating neighboring cosmogonies like the Babylonian Enuma Elish. The section is finished by an essay exploring the relationship between science, God, and interventionism and greatly establishes the necessity of God's continual sustaining of the universe.

The middle section, "Scientific Evidence and Theory," solidly tacks down the scientific case with a few theological insights thrown in. After a shaky start with "An Evolving Cosmos" (addressed later in my review), the antiquity of the earth is nailed down in verbosity and scholarly erudition by Jeffrey Greenberg. Further essays relentlessly demolish creationist objections based on the fossil recored and Cambrian explosion. A couple essays deal with human genetics and finding Adam, and the section is finished out nicely by Terry Gray's essay on Biochemistry and Evolution, which elucidates the confirmation that biochemistry gave evolutionary theory and combats creationist misinterpretations.

The final section is somewhat weaker, if not only because of the variety of views that can be held. One author is more Calvinistic than the others, and some of the rest differ on the adequacy of other theistic evolution views, with one author going so far as to briefly criticize the exposition of the arguments of another essay. This paints a portrait of the multi-facetedness and controversial nature of the theological realm of theistic evolution.

The section is held in place by by far the most brilliant essay in the book, "Special Providence and Genetic Mutation; A New Defense of Theistic Evolution" by Robert John Russell. He first establishes that he is doing constructive theology, not natural theology, and thus one can proceed in light of the fact that quantum physics is liable to change or be replaced. He then masterfully argues for a non-interventionist approach by which God acts at the quantum level in the gene. He finishes out by answering objections and acknowledging the problem of evil and theodicy. This, however, makes for the climax of the book, in which he exhorts: "It is time Christians refrained from attacking evolution or spending energy on useless alternatives and focused their faith and reason on this truly fundamental challenge: If God works through evolution, why does God not act to prevent so much of the suffering in nature; indeed, is there no other way that life and humanity could have "evolved" than through this 3.8 billion year history?" He is not afraid to admit a problem and acknowledges that he has turned all his efforts to resolving it and exhorts fellow Christians to do the same. Such, I think, is very admirable.

The rest of the section is adequate, with an essay studying Christ's work on the cross and what it means for evolution, followed by a couple of (unnecessary, IMHO) essays on environmentalism basically establishing the stewardship position, a mentally piquing essay on evolution and original sin (basically arguing that Romans 1 describes the fall, with an original group of hominids turning from God, resulting in corruption gradually being caked into the structures of society; this essay deals with all the major scriptures and competing views), and finished by a thought-provoking essay on cognitive neuroscience by Warren S. Brown that espouses non-reductive physicalism.

The book is not without its flaws. First are the small devotions scattered throughout the book. Even though they could have a purpose, I feel they are out of place in an otherwise scientifically rigorous book that will be peered over by diverse and scathingly critical minds. They seem weak and unscientific amidst the rest of the work. Perhaps they would have been better off in a separate book.

Some of the devotional attitude seems to have spilled over into one of the essays "An evolving cosmos." Scattered with bits of cosmology, it nevertheless reads like a devotion - "simple math tells us that our Sun is one of over 100,000,000,000,000,000,000 stars in the universe!" and "When our study of the universe is done in love for God and in service to to others, the excitement and blessing overflow!" It's probably no coincidence that the following devotion was written by the same author.

Then there is the essay by John C Mundane Jr on "Animal Pain; Beyond the Threshold?" This one seemed incredibly lame as the author spent most of his time stating the problem, then tried to dance around it (he throws out the possibility that the method of a predator going for the neck of the prey actually induces less pain, since the receptors in the neck are less sensitive) but then realizes that the previous is not enough to dismiss all animal pain and goes through some possibilities for resolution before throwing his hands up in the air and saying "We just need to accept God as good."

Nevertheless, this book has been a tremendous help in my explorations. It serves as a "home base" and grounding point for my quest; indeed, this is the best part of the book. Some of the essays have footnotes that say they are abridged versions of larger works, and most of the authors have written books that you can read if you want to go further into depth on certain issues. Indeed, I have gone on to read "Offense to Reason" by Bernard Ramm, "The Meaning of Creation" by Conrad Hyers, and "Whatever Happened to the Soul?" by Warren S. Browm and will likely read more, each time going back to "Perspectives" to find out where I should go next.

Indeed, this book is a mostly solid, intellectually rigorous overview of theistic evolution with plenty of opportunities for further study if one so desires. I wholeheartedly recommend it.

Sublime.......2007-03-10

This was just a fabulous collection of essays. All you'd ever want on the topic, and more. A variety of authors with a variety of perspectives look at the history of the literal creationism-intelligent design-evolution debate, the evidence for evolution, and, in the last 2/5ths of the book, the meaning of evolution for theology and the Christian walk. I say now, this book has changed many ways I view the Bible and the Christian myth. It has helped me more integrate the Rock of Ages and the age of rocks. It has helped me see the full import of the evolutionary myth to the meaning of Christ. It allows one to be an intellectually fulfilled predestinationist, and an evolutionist. And that's just the beginning.

Never before have I seen a work that takes both evolution and following Jesus so seriously. If evolution is true, as the evidence overwhelmingly indicates, then it's part of reality. It's part of God's creation. Are we not to contemplate all that we see to understand God better? Therefore it should reveal something of God, for there is that of God within it. In this book the authors show that of God in evolution. The icing is the regular devotionals dispersed throughout the book, where we contemplate evolution and creation, in order to grow more in our relationship with God.

I didn't agree with everything written in this book. A couple of the authors even come very close to supporting elements of the intelligent design hypothesis. Some of the essays are clearer or better written than others. But every single essay shares something that I could take away, that enriched my life, that made me a better Christian, a better biologist, and a better man. It took me a month to get through this book, because it is simply that life changing. Without a doubt it is the finest of this genre I have yet read.

Wonderful Literary Critique.......2005-09-30

Miller's book provides encouragement for the Christian biologist seeking commonground between science and faith. A must read for any Christian working in or seeking work in the scientific field. Eye-opening and wonderfully composed.

essay collection on Theistic evolution by orthodoxChristians.......2004-01-02

The book is a collection of essays (21) with a common theme-theistic evolution(TE), a common allegience-to orthodox Christianity, on the part of the writers. As such it is in a very small category, as TE tends to be beat up by both extremes on the issues- the young earth creationist(YEC) and secular evolutionary materialists, being orthodox complications the matter a lot as no one is happy with what you have to say. It is an introductory book, aimed at a general audience with at least a background on the issues. Its weaknesses are the general weaknesses of the essay collection genre itself, in particular, no sooner do you get into an essay then it is over and you must start the process of familarization and understanding an author all over again. The unevenness of different people's style and form makes going a little hard and continuity even harder. I suspect that the various authors had the other guys outlines in hand as they refer internally to the other essays, but no discussion or 2-way conversations are apparent, this helps a little bit to lighten the essay load but it is still a difficult straight through read. however i have no problem recommending the book, partly because i have little else to offer, partly because the bulk of the essays are above average and any reader can skip and choose what he/she desires to read.

The essays themselves are divided into 3 major groupings: "Providing a Context" "Scientific Evidence and Theory" and "Theological Implications and Insights". For my own appraisal the book reached a peak early with the first two parts and really slumped in the last, with the exception of H. VanTill's essay "Is the Universe Capable of Evolving?". I enjoyed the next essay "Special Providence and Genetic Mutation" but found it a little too choppy, i hope to read the longer essay that it is a summary of in order to see the fuller development. The material covered is the big questions in the field and offered little surprises overall except for chapter 5 "Does Science Exclude God? Natural Law, chance, Miracles, and scientific practice" which is good enough to be the one chapter that i would recommend reading if you wish to get a quick idea of the book and whether you wish to invest the time in reading the whole collection. The authors choosen are certainly the best in the field and their names are known to anyone with a familarity in the field. Conrad Hyers, Howard Van Till, Mark Noll, David Livingston, Keith B. Miller, are joined by Terry Gray who i wish the best in his search for answers in this discussion, as it has carried a very high personal cost to him and i admire how he has risen to this level in the discussion, congratulations.

The book suffers a little from no research notes or reference listing, although most of the footnotes will do for a start. A systematic introductory essay to each section outlining the issues and the past history of positions would have been helpful as well. In general however the authors are very aware of their audience and do a good job communicating their understanding with a minimum of jargon, in a fair and not-argumentative way.

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Perspectives on an Evolving Creation
Keith B. Miller
Manufacturer: Wm. B. Eerdmans Publishing Company
ProductGroup: Book
Binding: Paperback
ASIN: B000N7C8H8

Book Description

The techniques of magnetic neutron and photon scattering provide information on the electronic properties of materials that is obtainable in no other way. With both techniques information on an atomic scale is obtained on the spatial and temporal developments of the spin and current densities which are fundamental quantities in a basic understanding of magnetic phenomena. To date most magnetic scattering studies have used neutron beams, and the use of photon beams is, relatively speaking, in its infancy. This book is the first monograph devoted to the theory required for a full interpretation of magnetic scattering experiments. It is designed to meet the needs of postgraduates and researchers new to the techniques. At the same time, the requirements of theoretical chemists and physicists are catered for through chapters that present the basic formalism in detail. Special features of the book include extensive tables of quantities that occur frequently in applications of theory, and a number of worked examples.

Theory of Magnetic Neutron and Photon Scattering (Oxford Series on Neutron Scattering in Condensed Matter)

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Theory of Magnetic Neutron and Photon Scattering (Oxford Series on Neutron Scattering in Condensed Matter)
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Manufacturer: Oxford University Press(UK)
ProductGroup: Book
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The White Feather
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Manufacturer: BiblioBazaar
ProductGroup: Book
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Trevor and Clowes had come down, after the Easter term had been in progress for a fortnight, to play for an Oxford A team against the school. The match had resulted in an absurdly easy victory for the visitors by over forty points. Clowes had scored five tries off his own bat, and Trevor, if he had not fed his wing so conscientiously, would probably have scored an equal number.

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White Feather is the only authorized biography of Gunnery Sergeant Carlos Hathcock II, who was recognized as the most successful sniper in the Vietnam War with more than 93 confirmed kills. The book White Feather is written by brothers Roy and Norm Chandler, who publish military shooting publications through Iron Brigade Publishing, a Jacksonville, North Carolina based corporation.

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Tough subject done well
A fun, memorable story
My aunt finally did it.

Dusty White Eagle Feather
Barbara Hay
Manufacturer: iUniverse
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Book Description

Dusty White Eagle Feather is about Dusty Hamilton, a fifteen-year-old boy and his struggles with teenage life and racial differences in small-town America.

The story is set in rural Oklahoma on the weekend of the 100th anniversary celebration of the Land Run - that time in American history when Native American lands were forcibly taken away from them and given to European settlers. A dispute between the Native Americans and the townspeople over the inscription on a newly erected statue causes tempers to flare up.

Dusty finds himself witness to hatred and prejudice at its worst, and he is the one who is driving the getaway car. Through a series of dreams, a mystical white eagle comes to Dusty and takes him on an unforgettable journey into history when the Ponca tribe was forcibly moved from Nebraska to Oklahoma; a remarkable journey that causes Dusty to search inside himself for the answers to his own questions about honesty, courage, friendship and forgiveness. It is a journey that ultimately earns Dusty an honor reserved only for the most noble of character.

Customer Reviews:

Tough subject done well.......2002-09-13

Set in rural Oklahoma, a fifteen-year-old boy comes to terms with his prejudice and the deadly consequences of telling lies. Dusty Hamilton is raised by parents who don't overtly descriminate, their brand of discrimination against Native Americans is more insidious and more difficult to eradicate: the silent watchfulness of distrust. Mrs. Hay handles the inner conflict between prejudice and the desire to do the right thing deftly, weaving a well plotted intriguing story. The execution is not as adroit, especially the dream sequences which fail to adequately establish the motivation for some of Dusty's actions in support of Native Americans early in the story, but the subject is understandably difficult to address and Mrs. Hay does a commendable job.

Claudia Pearson, GWN Book Reviewer

A fun, memorable story.......2001-05-09

Racial relations are often overblown and negative. Ms. Hay has managed to make understanding how the other side feels fun and engaging. The characters are memorable and realistic, and I still find myself thinking about them even days after devouring the story. Presents a wonderful story that kids are sure to enjoy, and all races can benefit from reading. Good read!

My aunt finally did it........2001-03-10

I would like to commend my aunt for the years of hard work that she has put into her book. It wasn't easy for her to do it but I am glad that she did. I know that this doesn't really go into detail about the book that she wrote but I figure that anyone who is dillegent enough to write a book and have it published between taking my cousins to their multiple events is well worth the read. I wonder what she is going to do next!!

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