Commonsense investing truths for everyone, from a popular and critically acclaimed journalist In a world gone mad with bizarre credit derivatives, interest-only mortgages, and collapsing markets, we still need to manage our money, put our kids through college, and save for retirement. To the rescue comes Jonathan Clements-- the hugely popular Wall Street Journal personal-finance columnist--with 21 easy-to-follow rules that could help readers secure their financial future. Clements has spent almost a quarter century demystifying Wall Street for those on Main Street. Now Director of Financial Guidance for myFi, a new Citigroup financial service geared toward individual investors, Clements has a deep understanding of what real people need. In The Little Book of Main Street Money, Clements brings readers back down to earth with commonsense guidance that will put them on the path to clear and intelligent money management. From the big picture (your home, retirement, and life) to the micro (taxes and inflation), Clements offers readers clear-cut guidelines for taking control of their financial life and details the strategies needed to thrive in today's volatile economy. The 21 truths outlined throughout this book are a guiding light for everyone, young and old, just starting or soon retiring. Each chapter reads like a Clements column--clear, pithy, and feisty. From the obvious to the counterintuitive, each truth will either bolster returns or cut costs. Collectively, the 21 truths are a compelling guide to today's treacherous financial terrain. Renowned for his spirited writing and shrewd investment guidance, Clements is the sane voice investors need to keep them grounded in the midst of so much financial insanity. Jonathan Clements (New York, NY) is Director of Financial Guidance for myFi (www.myfi.com), a new financial service from banking giant Citigroup. Before joining myFi, he spent 18 years at the Wall Street Journal, where he was the newspaper's award-winning personal-finance columnist.

a groundbreaking look at trading the markets with one of the most important forecasting tools available . . .

"If you've ever wondered about the validity of seasonals or how to trade them, buy this book now!" —Glen Larson, Genesis Data Services

"Jake does it again. This time his extensive research really leaps out as he makes seasonal trading easy to understand and a very useful tool for any commodity trader." —Jeffrey H. Fox, Fox Investments.

Is there a "holy grail" of price prediction? Traders have long been in pursuit of one, and while a handful of strategies, techniques, and methodologies have proven noteworthy, the search continues for the ultimate forecasting instrument —if one does indeed exist. The theory and methods of seasonality may well prove to be a step in the right direction to this goal. In this unique new book, a leading seasonal trading analyst examines seasonality in-depth, elucidating the concise principles, numerous advantages, and enormous potential that make it one of the most important —and effective —methods currently available for targeting futures price trends.

Over the years, considerable attention has been paid to the effects of interest rates, money supply, earnings, inflation, and other key factors on stock and commodity prices. Yet, the immense impact of seasonal price tendencies has been either grossly underestimated or completely ignored. Often overlooked, but equally significant, seasonality is based on the assumption that seasonal influences cause biases in the movement of market prices. Among its many advantages, seasonality allows the trader to formulate objective decisions founded on a logical, verifiable, and operational methodology, creating a backdrop of probable market trends in most time frames and in most markets, and providing historically valid input for use as an adjunct to other analytical methods and timing indicators. The essence of seasonality is found in its lengthy history and statistically testable methodologies.

However, seasonal correlations are not 100 percent foolproof. Using seasonal data to time the market involves an unavoidable degree of subjectivity —unless you have a firm grasp of seasonal timing concepts and techniques. Now, in the first resource devoted exclusively to the subject, Jake Bernstein gives you the foundation necessary to implement this powerful tool effectively and with confidence.

Balancing theory and practice, Bernstein provides a thorough, real-world understanding of seasonal timing concepts and techniques. Along with results of his own extensive research, he integrates the work of numerous market analysts, such as W. D. Gann, Art Merrill, Burton Pugh, Samuel Benner, and Yale Hirsch, among others, to create a pragmatic and highly functional analytical framework. With his accessible, comprehensive coverage of significant concepts such as seasonal spread relationships, key dates, and cash tendencies, you'll be able to discern seasonal patterns in monthly and daily cash and futures data. Once the basics are firmly in place, Bernstein leads you step by step through the essential process of formulating a seasonal trading program that incorporates important timing strategies and risk management tools.

An ideal overview for any trader, investor, or analyst, this lucidly written and clearly organized resource emphasizes the validity and significance of seasonality. Jake Bernstein has compiled a comprehensive guide to the effective use of seasonal concepts and methods in the futures markets. This is a major work that belongs on the shelves of all serious traders.

Why do so many traders and investors - ones with sophisticated, powerful, and diligently applied systems - lose? For the answers and the solutions, look no further. This unique, fully revised guide to the psychology of trading and investing explains how regardless of even the best system, the weakest link in the chain is always the trader - in particular, the trader's self-discipline and self-control. To help you shore up your defenses, this authoritative but jargon-free mental toughness training manual offers a complete and highly effective investment psychology regimen that interweaves psychoanalysis, learning theory, social psychology, creative visualization, and hard-earned trading savvy. Turn here for all the rules and guidelines of Jake Bernstein's exclusive brand of psychological trading techniques...models of successful traders to emulate...techniques that sharpen and make your perceptions of others and situations more reliable...tips on scheduling, self-discipline, and developing a positive attitude that will put you on the road to consistently profitable trading. For example, you'll find techniques, insights, and explanations on how to lose less on bad trades, make more on profitable ones; learn from your failures what's working for you, and what's not; learn how not to be a slave to the market, and how to master the market by mastering yourself; find trading systems and methods that best suit your temperament, finances, and personality; and determine your position as a trader - long-term, short-term, or otherwise - with a new confidence.

The broad concept of the self is fundamental to psychology, serving as an anchor by which we perceive and make sense of the world as well as how we relate to and think about others. This book develops creative points of view of the self which have not previously been reviewed, creating a web of interconnected concepts under the umbrella of the self. The various contributions to this book discuss these concepts, such as self-regulation, self-concept, self-esteem, self-awareness, social comparison, and self-reference. All of them are related to the self, and all would justify a review of their own, yet none of them have up to this point. As a whole, the book develops these new, creative points of view of the self-the integral (primary) component of our experience as social beings. Offering numerous perspectives on various aspects of the self which can foster new thinking and research, this timely and important book makes suggestions for future research that will spur additional lines of work by readers. This book was originally published as a special issue of Self and Identity.

A timeless approach to investing wisely over an investment lifetime

With the current market maelstrom as a background, this timely guide describes just how to plan a lifetime of investing, in good times and bad, discussing stocks and bonds as well as the relationship between risk and return.

Filled with in-depth insights and practical advice, "The Investor's Manifesto" will help you understand the nuts and bolts of executing a lifetime investment plan, including: how to survive dealing with the investment industry, the practical meaning of market efficiency, how much to save, how to maintain discipline in the face of panics and manias, and what vehicles to use to achieve financial security and freedom.Written by bestselling author William J. Bernstein, well known for his insights on how individual investors can manage their personal wealth and retirement funds wiselyExamines how the financial landscape has radically altered in the past two years, and what investors should do about itContains practical insights that the everyday investor can understandFocuses on the concept of Pascal's Wager-identifying and avoiding worst-case scenarios, and planning investment decisions on that basis

With "The Investor's Manifesto" as your guide, you'll quickly discover the timeless investment approaches that can put you in a better position to prosper over time.

Richard J. Bernstein is a leading exponent of American pragmatism and one of the foremost philosophers of the twentieth century. In this collection he takes a pragmatic approach to specific problems and issues to demonstrate the ongoing importance of this philosophical tradition. Topics under discussion include multiculturalism, political public life, evil and religion. Individual philosophers studied are Kant, Arendt, Rorty, Habermas, Dewey and Trotsky. Each of the sixteen essays, many of which are published here for the first time, offers a way of bridging contemporary philosophical differences. This book will be of interest to scholars of philosophy and those researching social and political theory.

The broad concept of the self is fundamental to psychology, serving as an anchor by which we perceive and make sense of the world as well as how we relate to and think about others. This book develops creative points of view of the self which have not previously been reviewed, creating a web of interconnected concepts under the umbrella of the self. The various contributions to this book discuss these concepts, such as self-regulation, self-concept, self-esteem, self-awareness, social comparison, and self-reference. All of them are related to the self, and all would justify a review of their own, yet none of them have up to this point. As a whole, the book develops these new, creative points of view of the self-the integral (primary) component of our experience as social beings. Offering numerous perspectives on various aspects of the self which can foster new thinking and research, this timely and important book makes suggestions for future research that will spur additional lines of work by readers. This book was originally published as a special issue of Self and Identity.

Praise for "Arts Marketing Insights"

"This isn't just a great handbook for arts marketers--it should be required reading for board members, too. It debunks, challenges, and clarifies a lot about consumer behavior and marketing best practices for the arts and backs it up with evidence."
--Michael Lynch, chief executive, South Bank Centre, and former chief executive, Sydney Opera House

"Joanne Scheff Bernstein has written the best manual I know on arts marketing. She never loses sight of the deep and unchanging value of the art itself, while offering a panoply of fascinating and useful ideas for getting it to more people."
--Peter Pastreich, former executive director, San Francisco Symphony and St. Louis Symphony

"With the same rigor, intelligence, and practicality she brings to her consulting work, Joanne Scheff Bernstein challenges readers of her new book to rethink old ways of marketing the arts. A 'must include' in any performing arts manager's library."
--Glenn McCoy, executive director, San Francisco Ballet

"The needs and behavior of audiences for the performing arts have changed fundamentally since 9/11. Joanne Scheff Bernstein records these changes and offers invaluable insights into how they can be addressed by laying out the necessity for a new order of thinking."
--Robert J. Orchard, executive director, American Repertory Theatre and Institute for Advanced Theatre Training at Harvard University

"This book presents an innovative framework for a fresh understanding of arts audiences whose market behavior has become more sophisticated in recent years."
--Severino Salvemini, professor of business organizations, and arts and culturalmanagement program director, Bocconi University, Milan

""Arts Marketing Insights" addresses the most critical issues facing every arts administrator involved in cultivating long-lasting relationships with audiences. Joanne Scheff Bernstein's observations and suggestions will stimulate valuable creative thinking across all departments."
--Marc A. Scorca, president and CEO, OPERA America

"I view this book, "Arts Marketing Insights," as the performing arts bible for the times."
--Philip Kotler, Kellogg School of Management, Northwestern University

This manual is the companion guide to Uniquely Normal: Tapping the Reservoir of Normalcy to Treat Autism. It is a guide you in using the Bernstein Cognitive Method for Autism (BCMA, or Bernstein Method for short). Rob teaches us the commonsense approach and uses everyday situations to help children with autism progress with language, socialization, and organization. You don't need a graduate school education to use this method; you have all the knowledge and skills you need. You already know how to do everything necessary to make a difference for your child.

From the award-winning author of A Splendid Exchange, a fascinating new history of financial and religious mass manias over the past five centuries "We are the apes who tell stories," writes William Bernstein. "And no matter how misleading the narrative, if it is compelling enough it will nearly always trump the facts." As Bernstein shows in his eloquent and persuasive new book, The Delusions of Crowds, throughout human history compelling stories have catalyzed the spread of contagious narratives through susceptible groups--with enormous, often disastrous, consequences. Inspired by Charles Mackay's 19th-century classic Memoirs of Extraordinary Popular Delusions and the Madness of Crowds, Bernstein engages with mass delusion with the same curiosity and passion, but armed with the latest scientific research that explains the biological, evolutionary, and psychosocial roots of human irrationality. Bernstein tells the stories of dramatic religious and financial mania in western society over the last 500 years--from the Anabaptist Madness that afflicted the Low Countries in the 1530s to the dangerous End-Times beliefs that animate ISIS and pervade today's polarized America; and from the South Sea Bubble to the Enron scandal and dot com bubbles of recent years. Through Bernstein's supple prose, the participants are as colorful as their motivation, invariably "the desire to improve one's well-being in this life or the next." As revealing about human nature as they are historically significant, Bernstein's chronicles reveal the huge cost and alarming implications of mass mania: for example, belief in dispensationalist End-Times has over decades profoundly affected U.S. Middle East policy. Bernstein observes that if we can absorb the history and biology of mass delusion, we can recognize it more readily in our own time, and avoid its frequently dire impact.

This is a book about renal cysts and cystic kidneys. Its contributors have created a resource of current information in a field that once aroused only curiosity, but that now stands at the leading edge of molecular nephrology. Its authorship includes 'oldtimers', who bring the wisdom of experience, and 'newcomers', whose presence attests to the contributions made by the investigative and technological advances of the past decade. Its text is organized to carry the reader from renal cyst to cystic renal disease. Each of its chapters defines or explores a challenge or an advance. Cells that line renal cysts are diverse in structure, type, and perhaps function. The cysts themselves lie within an interstitium that is not normal and may influence cyst development and growth. Experimental analogs of human disease offer increasing opportunities to basic researchers to examine, in sequence and under controlled circumstances, those events that favor nephron dilation, cyst growth and ultimate renal failure.

This book constitutes the refereed proceedings of the 12th International Conference on Cryptology in India, INDOCRYPT 2011, held in Chennai, India, in December 2011. The 22 revised full papers presented together with the abstracts of 3 invited talks and 3 tutorials were carefully reviewed and selected from 127 submissions. The papers are organized in topical sections on side-channel attacks, secret-key cryptography, hash functions, pairings, and protocols.

Africacrypt 2010, the Third International Conference on Cryptology in Africa, took place May 3-6, 2010 in Stellenbosch, South Africa. The General Chairs, Riaal Domingues from the South African Communications and Security Agency and Christine Swart from the University of Cape Town, were always a pleasure to work with and did an outstanding job with the local arrangements. We are deeplythankfulthat theyagreedto hostAfricacrypt2010with onlyfour months notice after unanticipated events forced a change of location. The Africacrypt 2010 submission deadline was split into two. Authors s- mitting paperswererequiredto registertitles andabstractsby the ?rstdeadline, January 5. A total of 121 submissions had been received by this deadline, - though some were withdrawn before review. Authors were allowed to continue working on their papers until the second deadline, January 10. Submissions were evaluated in three phases over a period of nearly two months. The selection phase started on January 5: Program Committee m- bers began evaluating abstracts and volunteering to handle various papers. We assigned a team of people to each paper. The review phase started on January 11: Program Committee members were given access to the full papers and - gan in-depth reviews of 82 submissions. Most of the reviews were completed by February7, thebeginningofthediscussionphase.ProgramCommitteemembers were given access to other reviews and built consensus in their evaluations of the submissions. In the end the discussions included 285 full reports and 203 - ditional comments. The submissions, reviews, and subsequent discussions were handled smoothly by iChair

Freud's last book, Moses and Monotheism, was published in 1939 during one of the darkest periods in Jewish history. This difficult book has frequently been vilified and dismissed because Freud claims that Moses was not a Hebrew but an Egyptian, and that the Jews murdered Moses in the wilderness. Richard Bernstein argues that a close reading of Moses and Monotheism reveals an underlying powerful coherence in which Freud seeks to specify the distinctive character and contribution of the Jewish people. It is this character that has enabled the Jewish people to survive despite persecution and virulent anti-Semitism, and Freud proudly identifies himself with it. In his analysis of Freud's often misunderstood last work, Bernstein goes on to shows how Freud expands and deepens our understanding of a religious tradition by revealing its unconscious dynamics.

Philosophical Profiles brings together ten important essays by Richard Berstein. Each focuses on the work of a thinker or group of thinkers at the center of contemporary developments in philosophy, including Hannah Arendt, John Dewey, Hans-Georg Gadamer, Jurgen Habermas, G.W.F. Hegel, Alasdair MacIntyre, Herbert Marcuse, and Richard Rorty.

"Anyone who wants to understand the profound changes that have overtaken the social disciplines in the course of the past decade ought to read Bernstein's book. He examines an extraordinarily wide range of theories with the most scrupulous care, in each case adding a series of extremely perceptive criticisms."--Quentin Skinner, New York Review of Books "Valuable . . . for identifying the requirements for all rational life."--Religious Studies Review Richard J. Bernstein is Vera List Professor of Philosophy, New School for Social Research.

Richard J. Bernstein is a leading exponent of American pragmatism and one of the foremost philosophers of the twentieth century. In this collection he takes a pragmatic approach to specific problems and issues to demonstrate the ongoing importance of this philosophical tradition. Topics under discussion include multiculturalism, political public life, evil and religion. Individual philosophers studied are Kant, Arendt, Rorty, Habermas, Dewey and Trotsky. Each of the sixteen essays, many of which are published here for the first time, offers a way of bridging contemporary philosophical differences. This book will be of interest to scholars of philosophy and those researching social and political theory.

The first comprehensive collection of the work of Richard Rorty(1931-2007), The Rorty Reader brings together the influentialAmerican philosopher s essential essays from over fourdecades of writings. * Offers a comprehensive introduction to Richard Rorty's life andbody of work * Brings key essays published across many volumes and journalsinto one collection, including selections from his final volume ofphilosophical papers, Philosophy as Cultural Politics (2007)) * Contains the previously unpublished (in English) essay, Redemption from Egotism * Includes in-depth interviews, and several revealingautobiographical pieces * Represents the fullest portrait available today onRorty s relationship with American pragmatism and thetrajectory of his thought

A sweeping narrative history of world trade--from Sumer in 3000 BC to the firestorm over globalization today--that brilliantly explores trade's colorful and contentious past and provides fresh insights into social, political, cultural, and economic history, as well as a timely assessment of trade's future. Adam Smith wrote that man has an intrinsic "propensity to truck, barter, and exchange one thing for another." But how did trade evolve to the point where we don't think twice about biting into an apple from the other side of the world? In A Splendid Exchange, William J. Bernstein tells the extraordinary story of global commerce from its prehistoric origins to the myriad controversies surrounding it today. He transports readers from ancient sailing ships that brought the silk trade from China to Rome in the second century to the rise and fall of the Portuguese monopoly in spices in the sixteenth; from the rush for sugar that brought the British to Jamaica in 1655 to the American trade battles of the early twentieth century; from key innovations such as steam, steel, and refrigeration to the modern era of televisions from Taiwan, lettuce from Mexico, and T-shirts from China. Along the way, Bernstein examines how our age-old dependency on trade has contributed to our planet's agricultural bounty, stimulated intellectual progress, and made us both prosperous and vulnerable. Although the impulse to trade often takes a backseat to xenophobia and war, Bernstein concludes that trade is ultimately a force for good among nations, and he argues that societies are far more successful and stable when they are involved in vigorous trade with their neighbors. Lively, authoritative, and astonishing in scope, A Splendid Exchange is a riveting narrative that views trade and globalization not in political terms, but rather as an evolutionary process as old as war and religion--a historical constant--that will continue to foster the growth of intellectual capital, shrink the world, and propel the trajectory of the human species.

Quantum computers will break today's most popular public-key cryptographic systems, including RSA, DSA, and ECDSA. This book introduces the reader to the next generation of cryptographic algorithms, the systems that resist quantum-computer attacks: in particular, post-quantum public-key encryption systems and post-quantum public-key signature systems.

Leading experts have joined forces for the first time to explain the state of the art in quantum computing, hash-based cryptography, code-based cryptography, lattice-based cryptography, and multivariate cryptography. Mathematical foundations and implementation issues are included.

This book is an essential resource for students and researchers who want to contribute to the field of post-quantum cryptography.

Drawing freely and expertly from Continental and analytic traditions, Richard Bernstein examines a number of debates and controversies exemplified in the works of Gadamer, Habermas, Rorty, and Arendt. He argues that a "new conversation" is emerging about human rationality--a new understanding that emphasizes its practical character and has important ramifications both for thought and action.

From the Introduction: This inquiry is concerned with the themes of praxis and action in four philosophic movements: Marxism, existentialism, pragmatism, and analytic philosophy. It is rare that these four movements are considered in a single inquiry, for there are profound differences of emphasis, focus, terminology, and approach represented by these styles of thought. Many philosophers believe that similarities among these movements are superficial and that a close examination of them will reveal only hopelessly unbridgeable cleavages. While respecting the genuine fundamental differences of these movements, this inquiry is undertaken in the spirit of showing that there are important common themes and motifs in what first appears to be a chaotic babble of voices. I intend to show that the concern with man as an agent has been a primary focal point of each of these movements and further that each contributes something permanent and important to our understanding of the nature and context of human activity.