Free reference Kindle books for 12 Dec 15

Understanding Sarbanes-Oxley, What Is Different After November 2015

by George Lekatis

Today we will stard with some very interesting presentations from the 2015 Conference on Auditing and Capital Markets.

To download the papers:

AIPMT 2016: An introduction

by Shubham Sharma

AIPMT 2016 is just few days ahead and many Students are applying for it. Every year AIPMT got some changes, it’s very difficult to track them. AIPMT 2016 will help you in tracking all the changes. This book is available in ebook format only so if any changes occur we will modify, thus you will get up to date information.

AIPMT 2016 is an introduction book, specifically crafted for those who merely know anything about AIPMT, so it will be very easy for anyone to understand.

This book covers all the basic things.

This book will accompany you, hold you, stay with you throughout your PMT journey.

This book doesn’t include any preparation material.

Understanding Basel III, What Is Different After November 2015

by George Lekatis

Dear Member,

Today we will start with an interesting paper from the BIS, about the updated assessment methodology and the higher loss absorbency requirement for global systemically important banks.


This document updates and replaces the November 2011 publication Global systemically important banks: assessment methodology and the additional loss absorbency requirement.

Below is a summary of the main changes relative to that publication.

These changes reflect the lessons learnt from applying the assessment methodology using data submitted by banks in respect of their positions as at the financial year-ends 2009 to 2011.

The changes also include the addition of the disclosures that banks are required to make to ensure that the assessment methodology operates on the basis of publicly available information.

– Methodology for determining the sample of banks.

The methodology for determining the sample of banks used to calculate banks’ scores under the assessment methodology has been added and is set out in Section II.B.

– Indicator definitions.

The following modifications have been made to the indicators used in the assessment methodology:

o The Wholesale Funding Ratio, which was one of the three indicators in the interconnectedness category in the November 2011 publication, has been replaced with a Securities Outstanding indicator.

This change was previously highlighted in paragraphs 16 and 17 of the cover note to the November 2011 publication.

o The trading and available-for-sale indicator will exclude assets that are eligible to be classified as high-quality liquid assets (HQLA) for the purpose of the Basel III Liquidity Coverage Ratio (LCR).

This change reflects the aim of the indicator to identify only those assets that may suffer a fire sale discount if sold during a period of severe market stress.

– Cap on the substitutability category.

The application of the scoring methodology to three years of data supplied by the sample banks has revealed that the substitutability category had a greater impact on the assessment of systemic importance than was intended.

Therefore, a cap will be applied to the substitutability category score.

– Publication of template and reporting instructions.

The template and reporting instructions that are being used to collect the indicator data from banks have been published.

These documents provide additional clarity on the precise definitions of the 12 indicators used in the assessment methodology and the list of ancillary indicators used to inform the supervisory judgment aspects of the framework.

– Process for normalising banks’ scores changed.

The November 2011 publication normalised the scores of banks in a way that resulted in a maximum possible score of 5 (the score a bank would have if it were the only bank in the sample).

To make the normalisation process more intuitive, the maximum possible score is now 10,000 basis points, ie 100% (ignoring the impact of the cap on the substitutability category).

– Consequences of the empty bucket becoming populated.

The November 2011 publication describes an empty bucket, above the four populated buckets, with a higher loss absorbency requirement of 3.5% of risk-weighted assets to provide an incentive against banks further increasing their systemic importance.

Paragraph 47 adds a description of the process for creating new buckets should the empty bucket become populated.

– Fixing the cutoff score and bucket thresholds.

The timing of the publication of the cutoff score and bucket thresholds has been brought forward by one year (from November 2014 to November 2013) and will be based on end-2012 data supplied by banks.

The end-2012 denominators used to calculate banks’ scores (ie the aggregates of each of the 12 indicators across the sample of banks) will also be published in November 2013.

ABC Rhyming Game of Tag

by Chrissy Keep

This fun alphabet book features a group of animal friends playing the game of Tag for the very first time. It teaches your child the ABC easily, with each letter corresponding to an animal, its name and words in the rhyming verse of the story.

All of the illustrations are based on animals that are endangered. To learn more about them, a list with interesting facts can be found at the back of the book.

How To Teach Young Learners ESL: Teaching Young Learners ESL Is A Great Way To See The World While Having A Ton Of Fun

by Peter LeGrove

Teaching kids is the way to go if you want to teach and travel. They are a ton of fun and they keep you fit. All this running around singing and dancing keeps you in trim. Anyway this little book will give you the basics. After going through the book, getting a few flashcards and a couple of props, like toys or puppets together you should be able to go into a classroom and teach a class like a pro, at least that is what anyone watching would think. There is nothing in the book about teaching theory the book is only about doing it. That means standing in front of the class and holding a class of youngsters spellbound for about 30 seconds.

This book is about what worked for me. Now I am not saying it’ll work for you, but try it out and see what happens. There is also links to the internet. I claim the internet is the greatest teacher of all, but you have to search to find the juicy bits. Then you have to try them out and see if they work for you.

Now a bit about me. I’ve been teaching for years now in a number of different countries. Started off teaching adults, now I just teach kids. A ton of fun and you can do a lot more in class. I ended up with a Graduate Diploma in Teaching and Learning with a major in ESL. Never needed it to get a job, young learners teachers are in demand.

Lets Learn the Alphabet

by M. Choudhury


This is book to help your little ones learn the alphabet

I deeply hope this book helps your little ones learn the

alphabet and expose them to the beautiful world of literature.

Thank You

Mind The Gap In Your English: Student Book (Book One)

by Stephen Bradeley

This system of learning English is aimed at adult beginner learners. It is a very simple method of teaching and learning English.

Tips and Tricks: Arithmetic and Times-Tables: Learning to think about numbers

by Andrew Mather

This book is intended to illustrate some of the basic tips and tricks of arithmetic that may help you or your child be more comfortable with the times table. They are useful far beyond elementary school and I have used them as an adult to get by before calculators were available, and now when they are not readily available.

They are neither exhaustive nor authoratitive but they are accurate and they do work. If you find them useful, then I am delighted.

I do not know precisely how and when children are taught their times tables, but this approach relies mainly on addition which is a natural adjunct of learning numbers and arithmetic, so I hope the techniques will be compatible with your child’s education.

Beyond addition, a familiarity with multiplication and subtraction are useful, but not critical.

There is no singular correct way which must be learned, when dealing with numbers. What is most useful is to have a box of tools, just as in DIY, and to use the tool that is most convenient. To that end, there will often be many ways to arrive at the answer, which will be the same in any case.

Memory is useful, and necessary for the smaller numbers, but it does not substitute for understanding. Memory may allow you to recall the answer to 11 x 12 but will it allow you to remember 123 x 420 or 248024 x 482058 if you have never seen that before?

Times tables are rightly considered a building block in familiarity with numbers and arithmetic. The value of the tips and tricks is that it allows us to build tools that will be useful far beyond the basic tables.

Research Intelligence: A world-shattering technique for creating thousands of innovative research topics on all subjects

by S.A. Kader

In this book, ten types of structures are combined with ten major academic and scientific subjects such as physics, chemistry, biology, mathematics, engineering, arts, literature, medicine, business management, and psychology in order to create unlimited new research topics that can be used for creating academic research topics, new educational systems, business and economic revolutions, new theories, devices, and formulas, and scientific renaissances in every subject in the world.

Supernatural Money Anointing

If you have ever prayed or wanted a money miracle this book is the one for you. packed with testimonies and revelation. God will bring you into the miraculous and cause favor to abound to you like never before

Supreme Court Cases That Changed Amercia

by Green Cow notes

Ever wonder why we have the rights that we have? These four case briefs will provide you an explanation. Whether you are looking for information for your college class, Or If you want to learn more about important cases, THIS BOOK IS FOR YOU.

These cases make up the freedom we have in America today.

Hollingsworth v. Perry

Mapp V. Ohio

Korematsu Vs. United States

Gideon v. Wainwright

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