As an identical twin, I have a lot of experience of what it is like to be a twin but I also have twins of my own. This is a situation that no one I know has been in and it is doubly different as my twins were conceived using IVF and they are not identical. As a twin with twins, I felt that it could be useful to anyone expecting or bringing up twins to get to know my take on things so that they could have more of an understanding of what makes twins different and the same as other people. I hope that you enjoy it. There are many books out there on how to bring up babies as well as some on twins. It can be rather confusing as they do not all agree. This book does not set out to advice but merely to inform so that parents are educated and can make decisions accordingly. As a mother of twins and a twin myself I feel I have some knowledge to share, but realise that my experiences may not be the same as others and so I can only offer information from my point of view. Hopefully this will be useful and will help you in looking after your twin children or understanding life from the point of view of a twin.

This book is a guide for students and parents of students with regards to finance. It has information on how to educate children in matters of finance and what types of tips and guidelines to give them. It has advice on student loans, topping up loan amounts, making a budget and being frugal. It even has low cost, easy recipes, a sample budget, tips on who to go to for financial advice and a section on the importance of having a good financial education.

The executive and legislative branches agree that there has been too much outsourcing of government work in the past. The best option is a combination of insourcing and outsourcing, which has traditionally been the way the government has conducted business. Bringing a service back in house or insourcing as it is known, is a difficult decision that cannot be based on cost alone. Cost does not reveal the whole picture and it would suggest that the decision to outsource should not be based only on cost. Ultimately the question is under what conditions should a process or service be insourced? The Office of Management and Budget (OMB) circulars and Government Accounting Office (GAO) reports provide general guidelines for such decision making but nothing truly definitive. There is current literature suggesting frameworks for the various aspects of the process, but no framework exists for the entire process. The purpose of this paper is to develop a taxonomy so that a decision framework can be developed that considers the optimal solution for the long term financial gain, corporate strategy, and continued sustainment of the corporation in the insourcing decision process. A review of current literature for this paper suggests that such a decision needs to be based on six categories: cost, corporate knowledge and economic environment, knowledge, laws and regulations, relationships, and metrics and monitoring. These are quantifiable factors that a manager can base the decision on. However the making the insourcing decision must also consider factors that are not quantifiable or predictable.

Soil efflux (SEF) is an important component in the global carbon cycle. The combination of root and microbial respiration, SEF is often used as a measure of biological productivity in the soil. Although SEF has been widely studied, some areas have been neglected, including the effect of timber harvest management on SEF and SEF in different soil horizons. Timber harvesting compacts the soil, removes standing vegetation, increases debris, alters the microclimate, etc., all of which could potentially alter SEF. The Missouri Ozark Forest Ecosystem Project (MOFEP) is a long-term study in which the Missouri Department of Conservation (MDC) installed experiments of single-tree uneven-age (UAM), clear-cut even-age (EAM), and control no-cut (NHM) timber harvests to find ecosystem-management alternatives. To determine the effect of timber harvest on subsurface SEF, nine soil pits, three in each treatment, were dug to directly measure the magnitude of changes in SEF across the soil profile.