with certainty



اهنگ خوب + ع خوب

دریافت متاسفانه مرورگر شما، ق لت پخش فایل های صوتی تصویری را در قالب html5 دارا نمی باشد. توصیه ما به شما استفاده از مروگرهای رایج و بروزرسانی آن به آ ین نسخه می باشد با این حال ممکن است مرورگرتان توسط پلاگین خود قابلیت پخش این فایل را برای تان فراهم آورد. param name="autostart" value="false"> ... ادامه ...

1. learning about your new relationship with christ

the bible if you received a special letter or email from jesus telling how much he loves you and giving guidance you need for your daily issues, would you read it? of course you would! that’s what the bible is — god’s love letter to you! the bible is god’s words for you and to you. it is the source of truth about your new life in christ. like reading a love letter increases your love for the author, reading and studying the bible will help you to know your god better. you will discover many treasures in your new relationship with christ. some bible basics the bible is one book containing a collection of 66 books combined together for our benefit. the bible is divided into two main parts: the old testament and the new testament. the old testament tells the story of the beginning of the world and god’s promises given through the nation of israel. it tells how the people of israel obeyed and disobeyed god over many, many years. all the stories and messages in the old testament lead up to jesus christ’s coming to the earth. the new testament tells the story of jesus christ, the early christians, and god’s promises to all those who believe in jesus. you can think of the old testament as “before christ” and the new testament as “after christ.” each book of the bible is divided into chapters and verses within those chapters to make it easier to study. bible references include the book name, chapter number and verse number(s). for example, ephesians 2:8 refers to the book of ephesians, the 2nd chapter, and verse 8 within that 2nd chapter. printed bibles have a “table of contents” in the front to help you locate books by page number. bible apps also have a contents list by book. throughout these lessons, you will use a bible to answer questions as you d ... ادامه ...

why do we dream

the human brain is a mysterious little ball of gray matter. after all these years, researchers are still baffled by many aspects of how and why it operates like it does. scientists have been performing sleep and dream studies for decades now, and we still aren't 100 percent sure about the function of sleep, or exactly how and why we dream. we do know that our dream cycle is typically most abundant and best remembered during the rem stage of sleep. it's also pretty commonly accepted among the scientific community that we all dream, though the frequency in which dreams are remembered varies from person to person. the question of whether dreams actually have a physiological, biological or psychological function has yet to be answered. but that hasn't stopped scientists from researching and speculating. there are several theories as to why we dream. one is that dreams work hand in hand with sleep to help the brain sort through everything it collects during the waking hours. your brain is met with hundreds of thousands, if not millions of inputs each day. some are minor sensory details like the color of a p ... ing car, while others are far more complex, like the big presentation you're putting together for your job. during sleep, the brain works to plow through all of this information to decide what to hang on to and what to forget. some researchers feel like dreams play a role in this process. it's not just a stab in the dark though — there is some research to back up the ideas that dreams are tied to how we form memories. studies indicate that as we're learning new things in our waking hours, dreams increase while we sleep. participants in a dream study who were taking a language course showed more dream activity than those who were not. in light of such studies, the i ... ادامه ...

ted talk

life's beauty is inseparable from its fragility. we are young until we are not. we walk down the streets y until one day we realize that we are unseen. we nag our children and one day realize that there is silence where that child once was, now making his or her way in the world. we are healthy until a diagnosis brings us to our knees. the only certainty is uncertainty, and yet we are not navigating this frailty successfully or sustainably. the world health organization tells us that depression is now the single leading cause of disability globally -- outstripping cancer, outstripping heart disease. and at a time of greater complexity, unprecedented technological, political and economic change, we are seeing how people's tendency is more and m normal, natural emotions are now seen as good or bad. and being positive has become a new form of moral correctness. people with cancer are automatically told to just stay positive. women, to stop being so angry. and the list goes on. it's a tyranny. it's a tyranny of positivity. and it's cruel. unkind. and ineffective. and we do it to ourselves, and we do it to others. if there's one common feature of brooding, bottling or false positivity, it's this: they are all rigid responses. and if there's a single lesson we can learn from the inevitable fall of apartheid it is that rigid denial doesn't work. it's unsustainable. for individuals, for families, for societies. and as we watch the ice caps melt, it is unsustainable for our planet. research on emotional suppression shows that when emotions are pushed aside or ignored, they get stronger. psychologists call this amplification. like that delicious chocolate cake in the refrigerator -- the more you try to ignore it ... the greater its hold on you. you might think you're in control o ... ادامه ...

ترجمه مقاله شناخت ریسک و بازده ، capm و مدل سه عاملی فاما

ترجمه مقاله شناخت ریسک و بازده ، capm و مدل سه عاملی فاما – فرنچ در ۳۷ صفحه با فرمت wordrisk and returnthe general concept: higher expected returns require taking higher risk most investors are comfortable with the notion that taking higher levels of risk is necessary to expect to earn higher returns. in this note, we explain two important models that have been developed to make this relationship precise. then we explain how such tools can be used by investors to evaluate ets such as mutual funds. why should riskier companies have higher returns? intuitively, an investor would require a higher expected return in exchange for accepting greater risk. and, we do, in fact observe this relationship when we look back at historical long-run returns of stocks, bonds, and less risky securities as shown in the first chart. to understand this, imagine an investment that is expected to generate $۱ million per year in perpetuity. how much is someone likely to pay for such an et? the answer depends on the uncertainty or riskiness of the cash flows. with complete certainty that the cash flows will all be paid when promised, an investor would discount the et at the risk-free rate. as the degree of uncertainty increases, the return required to justify the risk will be much higher, resulting in a much lower price the investor would be willing to pay, simply because of the higher required discount rate. furthermore, economists have made the umption that investors are risk-averse, meaning that they are willing to sacrifice some return (and accept even less than the expected present value of the future returns) to reduce risk. if this umption is true, we would expect investors to demand a higher return to justify the additional r ... ادامه ...