In this Spanish sing-along, meet the mail carriers delivering letters all over the world! Little ones will love reading and singing about delivering cards and packages from Portugal and Senegal. Listen along with the QR code included at the back of the book! !Lee y canta con Carteros y carteras! Para nuestros lectores mas pequenos. "Hay un cartero en este pueblo que reparte cartas por el mundo entero. Una cartera con bici nueva lleva paquetes hechos por una abuela" . Canta libro con QR para descargar la musica.

In this Spanish sing-a-long, meet Rafa the Giraffe! With his whiskers and glasses, little ones will love reading and singing about his adventures in the Savanna. Listen along with the QR code included at the back of the book! !Lee y canta con La jirafa Rafa! Para nuestro lectores mas pequenos. "La jirafa se llama Rafa, tiene bigotes y lleva gafas. Vive en el centro de la sabana y en su huerto tiene manzanas" . Canta libro con QR para descargar la musica.

Ana and her classmates are being bullied. Going to school used to be fun, but it’s turned into a nightmare ever since Emma arrived. She’s mean and bossy, and Ana is now the target of her bullying. Ana feels sick, she doesn’t want to eat and she’s now silent instead of her usual cheerful self. Preschool teacher and author Pilar Serrano tells a story of teamwork and bravery based on her personal experience with her students at school. A necessary book, and a tool to deal with bullying.

The problem of optimizing investments in the presence of random risk is of real concern for insurance companies. Like ordinary investors, they have a set of risky and non-risky assets as a choice to invest into. But their wealth depends not only on how they allocate the money, but also on the occurring claims that they have to pay for. These claims arrive randomly, and therefore the risk that they represent is not hedgeable. This work explores the investment strategies which take this risk into account. Chapter 1 introduces the model (a diffusion process) for the available assets. Chapter 2 formulates and presents solutions of various optimization problems for the investor, among which maximizing exponential utility of the final wealth and minimizing probability of ruin. It will be shown that the mentioned problems both result in the constant investment independent of the level of wealth of the company. Chapter 3 covers the extension of the model with a possibility of a crash modelled as a fall of the stock prices which get highly correlated at the moment of the crash. The optimal strategy for minimizing exponential utility of final wealth will turn to be the one which is indifferent between occurrence of the highest crash possible and its non-occurrence at all.

Ana and her classmates are being bullied. Going to school used to be fun, but it’s turned into a nightmare ever since Emma arrived. She’s mean and bossy, and Ana is now the target of her bullying. Ana feels sick, she doesn’t want to eat and she’s now silent instead of her usual cheerful self. Preschool teacher and author Pilar Serrano tells a story of teamwork and bravery based on her personal experience with her students at school. A necessary book, and a tool to deal with bullying.