Create a magical bedtime experience with our Soothing Bedtime Stories for Kids!This collection features 12 enchanting short stories designed to help kids drift into a peaceful sleep while learning essential life lessons.Each tale includes a soothing meditation, guiding your child into a state of calm and relaxation, preparing them for a restful night's sleep. These meditations are followed by captivating stories that impart valuable lessons, helping child...

Many older Americans today are poorly prepared to finance their retirement years, and such under-preparedness is especially acute for members of disadvantaged racial and ethnic minority groups. Black and Hispanic families, for example, have only a quarter of the amount of net private wealth (assets minus liabilities) compared to White families. Moreover, racial wealth gaps have not diminished much in the past four decades, in part because Whites tend to save more in and withdraw less from ...

People covered by public pensions are often the subject of 'pension envy:' that is, their benefits might seem more generous and their contributions lower than those offered by the private sector. Yet this book points out that such judgments are often inaccurate, since civil servants hold jobs with few counterparts in private industry, such as firefighters, police, judges, and teachers. Often these are riskier, dirtier, and demand more loyalty and discretion than would be required of a more...

Over the last decade, behavioral research has revolutionized our understanding of financial decision-making, reshaping how we approach retirement planning. Bringing together leading scholars from economics, finance, and psychology, this volume explores the intricate relationship between human behavior and financial security in later life and uncovers innovative ways to craft retirement strategies that are both financially sound and psychologically intuitive. Across three sections, chapter ...

This is an open access title available under the terms of a CC BY-NC-ND 4.0 International licence. It is free to read at Oxford Scholarship Online and offered as a free PDF download from OUP and selected open access locations. Since its green shoots first emerged around 50 years ago, acceptance of environmental, social, and governance (ESG) considerations in institutional investing-especially at pension funds-has evolved with distinct shifts in investor preferences. This Pension Research C...

In the wake of the worst financial crisis since the Great Depression, lawmakers and regulators around the world have changed the playbook for how banks and other financial institutions must manage their risks and report their activities. The US Congress passed the Dodd-Frank Wall Street Reform and Consumer Protection Act, and the European System of Financial Supervision (ESFS) is also crafting a framework to supervise regulated financial sector institutions including banks, insurers, pensi...

He's not like anything Lana has ever encountered.Asset X: Massive, deadly, and a little terrifying to say the least. A devilish warrior, and a killer. Captured on a hellish world after attacking a military campsite and now imprisoned in a state-of-the-art cell inside one of the military's top bases, Lazris. Lana has been assigned to "study" him; to learn his secrets and gain his trust, if he is ever allowed to set foot out of his cell. As a top behaviorist, it is t...

A monumental classic, considered by many not only the greatest love story ever written but also the most outstanding family saga set during the Civil War. Margaret Mitchell's novel is a brilliantly crafted tale of love and loss, of a divided nation, and of people forever changed. A must-read for every fan of historical fiction, it is also one of the most famous novels of all time. Let yourself be swept away by the story of the beautiful and fiercely spirited Scarlett O’Hara and the confide...

When a cursed Winter Prince and a royal guard with a forgotten bloodline are bound by an ancient prophecy, they become the only ones who can stop a rising enemy—if their forbidden love doesn’t destroy them first.They tried to silence their bond, but the gods had already sung their fate into the heavens.In the frostbitten kingdom of Skadgard, Sylvanna Isenwulf has finally claimed her mantle as Captain of the Guard, but her loyalty to the crown is te...

She’s the head elf with a knack for saving Christmas. He’s the reluctant prince who doesn’t believe he deserves the crown—or her heart.Alva Brightwinter is the North Pole’s fiercest and most accomplished head elf. Dedicated, efficient, and utterly unshakable, she’s spent her life ensuring Christmas runs like a well-oiled sleigh. Falling for a rakish prince? Not on her to-do list. But when magic falters and an ancient evil rises, Alva is forced to team up w...

Complementing the guidelines in the British National Formulary, the fourth edition of the Oxford Handbook of Clinical Pharmacy remains the indispensable guide to clinical pharmacy, providing all the information needed for practising and student pharmacists. It presents handy practical guidance in a quick-reference, bullet-point format to give the reader the knowledge and confidence needed to provide a clinical pharmacy service. Including key information on controlled drugs, advers...

All five series of the award-winning sketch show - plus standalone comedy Daydream Believers'Fresh and full of invention' The TelegraphWelcome to the inside-out world of Mitchell and Webb, a strange and surreal place populated by misfits, eccentrics, talking animals and a few stray Radio 4 arts programme presenters.Included here are all five series of their fantastically skewed comedy show, packed with offbeat sket...