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This compact notebook is the perfect companion for organizing all of your crochet designs and projects. There are graph paper pages for designing projects, including in the round (amigurumi), and project pages for keeping track of patterns, yarns used, and modification notes. Useful reference charts with hook sizes, yarn weights, and a glossary of crochet terms and abbreviations are included as well. All in a handy and cute journal to slip into your crochet project bag! See the 4-star review at http://www.allfreecrochet.com/Crochet-Reviews/The-Crocheters-Design-Companion#

• Sales Rank: #1496387 in Books
• Published on: 2010-09-03
• Original language: English
• Number of items: 1
• Dimensions: 8.50" h x .26" w x 5.50" l, .31 pounds
• Binding: Paperback
• 114 pages

About the Author
Phyllis Serbes founded Many Creative Gifts, a company designed to help you "be thoughtful" and true to your giving nature, in April of 2005 when she rediscovered her passion for crochet. She has published a number of crochet patterns on Ravelry.com and is the Crochet Guru at www.crochet.lifetips.com. Frustration with the lack of specialized resources for crocheters led Phyllis to create "The Crocheter's Design Companion," and she is developing more books and items especially for crocheters. Explore all of Phyllis's areas of interest (mind, body, spirit, and of course crochet) on her website www.ManyCreativeGifts.com.

Most helpful customer reviews

3 of 3 people found the following review helpful.
Not what I was looking for
By My two cents
I purchased this book looking for more assistance with information that would make designing my own patterns easier. Sizing helps mainly - measurement basics for things like hats, sweaters, socks, etc.

What IS included:
* A sample pattern which shows how to utilize the design-your-own pages - how to use the circle graph when drawing out a pattern.

* Crochet hook size chart

* Yarn weight descriptions

* Glossary of crochet terms and abbreviations for them

* Several style of project design pages . . . circle graph, tiny grid graph paper, larger size graph paper, and finally - a note paper section.

And that is all. What would've made this book EVER SO MUCH MORE HELPFUL would be to have the sizing information included - the various measurements for baby sizes, children sizes, teen sizes, adult sizes; Even sizing info. for things like afghans, tablecloths, placemats would've been nice. The included information is very easy to find on the internet, within pattern books, or even on the free pull-off flyers at craft stores. Information for actually designing one's own patterns is not nearly as easy to find, however!

I began the return process with Amazon and I will say that they responded in an above-satisfactory manner! Thank you, Amazon!

4 of 4 people found the following review helpful.
I can do it!
By D. Malone
When I first heard about this book, I thought, I can barely crochet, there is no way I can design my own pattern. This book makes it easy. With graph and note pages and a sample pattern with design notes, anyone can learn how to design their own pattern.

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The basic racing rules visually displayed and easy to understand. This guide to the basic Racing Rules of Sailing 2013-2016 is an essential read, especially if you are new to racing. The Sailor's Guide includes principles, diagrams for when boats meet & turns penalties, propulsion, protesting, requesting redress and more. 19 pages, 4.75in x 6.5in

• Sales Rank: #1681324 in Books
• Published on: 2013-07-01
• Binding: Mass Market Paperback
• 19 pages

About the Author
The National Governing Body for the Sport of Saililng

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0 of 0 people found the following review helpful.
Great concise summary for novice or seasoned sailor in need of refresher
By Mikemikemike1st
A great concise summary of what a racing sailor needs to know on the course. Dellenbaugh's drawings are the best.

0 of 0 people found the following review helpful.
excellent
By Peter
excellent

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[R301.Ebook] Free PDF Todo o nada (Spanish Edition), by Violeta Lago

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Maika y Juan tienen una relaci�n envidiable: trabajan en la misma agencia de publicidad, se encubren y apoyan mutuamente, van juntos a clases de baile, se toman algo despu�s del trabajo y comentan el d�a… Y una amistad tan aut�ntica no debe arriesgarse cuando la qu�mica decide ponerlo todo patas arriba… �no? Como son tan correctos, deciden pasar un fin de semana con los amigos de Maika en la hermosa ciudad de Granada, y se proponen hacer todo juntos; todo, menos lo que realmente desean. Pero no hay sensaci�n m�s devastadora que el miedo, ni peor consejera que una pasi�n contenida. Dicen que el que no arriesga no gana, pero siempre da v�rtigo lanzar el �rdago cuando uno se juega lo que m�s importa, especialmente cuando nos convertimos en nuestro peor enemigo y nos empe�amos en ver fantasmas donde no los hay. Sobre todo, cuando el resultado de la arriesgada apuesta puede ser todo o nada.

• Sales Rank: #2506413 in eBooks
• Published on: 2016-02-01
• Released on: 2016-02-01
• Format: Kindle eBook

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Whitni Balentine felt like she had lost everything. After her parents died in a car accident, she didn’t think things could get any worse, but she was wrong. The dreams were the problem. Whatever she saw when she closed her eyes tended to come true but it was more like nightmares.

Maverick Academy specialized in teaching certain groups with gifts how to function in society without causing problems or going insane. Whit finds herself enrolled and quickly discovers that creatures she thought were just fictional are actually very, very real.

Learning to control her dreams and being the new girl is hard enough, but then she starts drawing the attention of Nolan, the biggest flirt at Maverick. She tries to fight her attraction but he seems to be everywhere. The question that plagues her mind as she gets more involved with Nolan is can she trust him or is she just another conquest.

Between the rumors making the rounds about her and Nolan to her new friend the vampire, life at Maverick Academy is definitely not boring.

• Sales Rank: #217468 in eBooks
• Published on: 2013-05-19
• Released on: 2013-05-19
• Format: Kindle eBook

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5 of 5 people found the following review helpful.
Interesting story
By suzpharmd2003
I really enjoyed this book. It was a quick read that had an ending, but left plenty of room for the next book in the series. It is about supernaturals with a twist that I haven't seen before (at least not explained as it is here). I will definitely look for the next book in the series.

4 of 4 people found the following review helpful.
Tasty Fluff
By Drake Morgan
Not a great book, none of the side characters stood out, but still a fun read and well worth the low price. The editing was solid, few or no errors in this one.

This book was primarily setup for later volumes, with not much action. Still, the academy was cool and minor sequences like the dark conquest competitions were nicely done. Looking forward to see where this series goes, would definitely buy additional volumes in the series.

5 of 7 people found the following review helpful.
Maverick
By Rachel
I hate to do it but it must be said. Something about this book bugged me. Most of it I believe was the main character, Whit. She might work for most people but I never clicked with her. I found her annoying, silly and an all around little snot. She never really got three demential or seemed relatable. Her internal monologue had my eyes a rollin' and wanting to chuck my kindle. Alas I soldiered on, hoping for a turn in the tide. I was disappointed.

Along with that, the romance was completely flat. Nolan and Whit, ignite a passion...in me...to strangle them. That was about the only passion present in this book. Nolan is a huge flirt, gasp! Awesome, maybe things will pick up! Nope, Whitt constantly ping-pongs between thinking Nolan's a great guy and then being a just another feather in Nolan's conquest hat. And that's all dandy, but she goes about it like a dummy. (Spoilerish) She is quite the drama queen/jealous girlfriend. She also definitely has trust issues. I mean, he kept the fact that a girl was on his team for Dark Conquest and said girl kissed Nolan on the cheek! Crazy, I know. Whit got reeeeaaallllly angry about it. She blew it quite out of proportion. Sure, be angry, then sit him down and lay down the law. Don't sob over it then never trust him again. Both ends frustrated me. They behaved like five-year olds around each other. And I quote, "But...but I like you." Wait, did I flash back to sixth grade? Who says that? In part the writing was so flat because the dialogue, in my opinion, was painful. No witty, sarcastic battles of high intelligence, or even anything really informative in this story. It was very bone dry with little entertainment.

Not much new here either. I have read quite a few books on the school themes and all of them were better done. The only newish bit was the fact the Whit was physic, but even that isn't elaborated. At sixteen, it's just whoop, you have physic abilities. Alright...that's fine but there is literally no further explanation of any world building including her abilities or just the supernatural world in general. This is just my preference, but I prefer a little explanation and detail of how gifts/the people possessing those gifts interact. The one supernaturalish class in Maverick, consisted of a dream circle, group time and then teacher time. Not only is that extremely vague, the instructing gives no structure/reason for physic abilities. My last complaint that I will mention is the cliches. Whit makes out in the library, new girl attracts hot popular boy, and my favorite, the game seven minutes in heaven. Really? It might be just me but high schoolers tossed that game out when boys actually acquired game to find actual hook-ups on their own. Again, did we flash back to sixth grade?

Please don't waste your time with this book, it is not worth it.

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This comprehensive interdisciplinary text draws from the social sciences, the natural sciences and the health sciences to introduce students to the principles and methods applied in environmental health. It presents an overview of the basic sciences needed to understand environmental health hazards, including toxicology, microbiology, health physics, injury analysis and relevant psychosocial concepts. It also presents a basic approach to risk assessment and risk management. The first part of the book concentrates on broad issues, providing frameworks for the investigation and management of environmental health problems. The middle section deepens the discussion of routes of exposure (air quality, water and sanitation, food and agricultural issues). The final section addresses environmental health from sustainable development themes (settlements and urbanization, energy, industry, and global concerns). The final chapter focuses on ethical issues and action planning. Thus, the text aims to enhance knowledge, skills and attitudes in environmental health.

• Sales Rank: #709342 in Books
• Published on: 2001-03-15
• Original language: English
• Number of items: 1
• Dimensions: 7.00" h x 1.10" w x 9.70" l, 2.19 pounds
• Binding: Hardcover
• 456 pages

Review
"This book is an excellent overview of environmental health, with a smidgen of occupational health and a hint of the social, behavioural and cultural components that play such an important part in all, or almost all, environmental health problems.... These four highly regarded authorities on environmental health have covered the basics and a little bit more very comprehensively....The book is up-to-date in all respects, well illustrated with examples of many kinds of environmental health problems and with many useful tables, line diagrams and boxed highlights....This is an ideal introductory text for courses in environmental health in medical schools and for graduate students who require a comprehensive introduction to the subject. I recommend it unreservedly."--John Last, MD, FRACP, FRCPC, University of Ottawa, Annals of the Royal College of Physicians and Surgeons of Canada

"Basic Environmental Health succeeds in conveying key concepts and methods widely regarded as pillars of environmental health science..."--Environment

About the Author
Annalee Yassi is a Professor and Director of the Occupational and Environmental Health Unit, University of Manitoba. Tord Kjellstrom is a Director, Office of Global and Integrated Environmental Health, World Health Organization. Theo de Kok is at the Open University of the Netherlands. Tee Guidotti is a Professor of Community Health Sciences at the University of Manitoba.

Most helpful customer reviews

0 of 0 people found the following review helpful.
Great overview of Environmental Health
By S. Villavicencio
When I took "Environmental and Occupational Health" (EOH) for my master's in public health, this book provided the background for learning this broad course in a matter of 3 months. If I did not have this book while taking the EOH class, I would not have gotten an A. If you want an A in EOH, you should use this book.

0 of 0 people found the following review helpful.
Great Book!
By Nas Ruzad
I found this book very useful in my class, "Environmental and Occupational Health." The stats and figures are clear and the wording makes it an easy read.

0 of 0 people found the following review helpful.
It was what I expected
By Helen
This was a second hand book that was in very good condition. I was happy with the purchase and it serves me well.

See all 6 customer reviews...

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[I693.Ebook] Download TASCHEN 365 Day-by-Day: Pin-Up, by TASCHEN

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They’ll always be there for you: A new pin-up to brighten your every day � There’ll never be a weary morning with these delightful dolls on your desktop. For those of you whose datebooks have been replaced by smartphones, let these pin-up lovelies help you rediscover that warm feeling of marking the date with the touch, and turn, of a page. Each day presents a new model alongside saucy soundbites, as well as the birthdays of pin-ups’ finest. These sweethearts are more steadfast than they might suggest too—at the end of the year, simply turn back to the beginning and find them waiting for you as peachy as before. � Text in English, French, and German

• Sales Rank: #377193 in Books
• Brand: Brand: Taschen
• Published on: 2012-12-30
• Format: Perpetual Calendar
• Original language: English, French, German
• Number of items: 1
• Dimensions: 8.80" h x 2.00" w x 7.00" l, 4.24 pounds
• Binding: Calendar
• 736 pages

Features

• Used Book in Good Condition

About the Author
Dian Hanson produced a variety of men s magazines from 1976 to 2001, including Juggs, Outlaw Biker, and Leg Show, before becoming TASCHEN s Sexy Book editor. Her 60+ books for TASCHEN include The Art of Pin-up and Psychedelic Sex. She lives in Los Angeles.

Most helpful customer reviews

4 of 4 people found the following review helpful.
Pin ups Taschen 365 day Perpetual calendar book
By BellaNugosi
This is a nice book. Taschen has in my experience always produced a quality product. For those interested in old pin up drawings from the masters of they past, they may enjoy this. The format is a calendar date per day with associated pinup art. There is also a caption or inscription associated with each day. There is no year marking so it can be used from year to year. it contains many familiar and some unfamiliar artworks from the many works of classic pin up art.

0 of 0 people found the following review helpful.
Taschen Has Done It Again
By James Elfers
A book that is very hard not to like, Taschen has done it again. Every day has one full color pin-up, either a classic illustration such as an Elvgren or a Moran, or a vintage photograph. For each date is a saucy quip from various women, writers, and actresses, of various levels of fame or infamy. The birthday of famous women are noted for each day as well. Especially helpful is the built in cloth bookmark so you can peruse it every day without losing your page. I am working my way through my copy in real time, a page a day. No matter how one reads this beautiful book, the experience is quite rewarding.

2 of 2 people found the following review helpful.
A great book for pin ups fans
By giovanna ferreira constant
This books has beautiful images, for a people who likes pin us is a nice gift! There are images of real pin ups too, some with naked women and some images with a strong phrases.

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[N220.Ebook] PDF Download Operation Mayhem, by Steve Heaney MC

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2,000 blood-crazed rebels. 26 elite British soldiers. One man's explosive true story.

Airlifted into the heart of the Sierra Leone jungle in the midst of the bloody civil war in 2000, 26 elite operators from the secret British elite unit X Platoon were sent into combat against thousands of Sierra Leonean rebels.

Notorious for their brutality, the rebels were manned with captured UN armour, machine-guns and grenade-launchers, while the men of X Platoon were kitted with pitiful supplies of ammunition, malfunctioning rifles, and no body armour, grenades or heavy weapons.

Intended to last only 48 hours, the mission mutated into a 16-day siege against the rebels, as X Platoon were denied the back-up and air support they had been promised, and were forced to make their stand alone. The half-starved soldiers, surviving on bush tucker, fought with grenades made from old food-tins and defended themselves with barricades made of sharpened bamboo-sticks, tipped in poison given to them by local villagers.

Sergeant Steve Heaney won the Military Cross for his initiative in taking command after the platoon lost their commanding officer. OPERATION MAYHEM recounts his amazing untold true story, full of the rough-and-ready humour and steely fortitude with which these elite soldiers carried out operations far into hostile terrain.

• Sales Rank: #1457162 in Books
• Published on: 2015-07-28
• Released on: 2015-07-28
• Original language: English
• Number of items: 1
• Dimensions: 7.88" h x 1.00" w x 5.13" l, .65 pounds
• Binding: Paperback
• 288 pages

Review
Sergeant Steve Heaney captures the confusion, black humour, raw courage and sheer exhilaration of combat brillantly. This book is one of the best accounts of low-level tactical soldiering since Fred Majdalany's WW2 classic Patrol. But Heaney tells a broader tale that has rarely been captured so well... I commend it to the professional soldier and layman alike. -- General Lord Richards of Herstmonceux, Chief of the Defence Staff 2010-13 THE TIMES '... read this account of his [Steve Heaney] stint with the 26-man strong X Platoon in the sweltering jungle, living on grubs, outnumbered 80 to one, battling heavily armed rebels with bamboo sticks and home-made grenades, and you'll be asking the question... Why wasn't he given TWO MCs?' -- Jon Wise Sunday Sport

About the Author
Steve Heaney joined the Parachute Regiment Juniors at 16, then passed Parachute Regiment selection and joined 3 PARA in 1987. Two years later he successfully undertook selection into X Platoon - the Pathfinders. He went on to serve with X Platoon, working with almost every allied Special Forces unit with which the British military has links. In 1999 he was promoted to Platoon Sergeant. He won the Commanding Officer's Commendation for finding arms caches in Northern Ireland. Sergeant Heaney left the British military in 2001, by which time he was the most experienced Military Parachutist in the British Army. He has spent the last decade working as a senior military adviser to one of Britain's key allies.

Damien Lewis has worked as a war and conflict reporter for major broadcasters, reporting from across Africa, South America, the Middle and Far East, and has won numerous awards for his journalism. In 2001 he wrote his first book, an international bestseller translated into over 30 languages, and adapted into a film and stage play. His books OPERATION CERTAIN DEATH, APACHE DAWN and FIRE STRIKE 7/9 were SUNDAY TIMES bestsellers, and he has co-written many other books, including PATHFINDER and BORN FEARLESS - the former a SUNDAY TIMES Top 10 bestseller, and the latter the UK's highest-selling military non-fiction title of 2012. Damien's recent Special Forces book ZERO SIX BRAVO reached No.1 on the SUNDAY TIMES non-fiction bestseller list.

Most helpful customer reviews

2 of 2 people found the following review helpful.
Pathfinders in action! Fantastic!
By Amazon Customer
Terrific insight into the capabilities of the pathfinders who won the day with gritty determination, some skillful preparation and a lot of guts. I doubt many people are aware of the overall effect this made in quelling the rebellion in Sierra Leone. Really enjoyed this book.

2 of 2 people found the following review helpful.
operation mayhem
By James Singh
Puts you in the heart if the action. Shows how a small unit managed to hold off an army and shows what 'espirt de corps' is all about

0 of 0 people found the following review helpful.
Read it
By Bill Morrison
It is rare that I find a book that I could not put down but this is one. In some ways it could have been written anytime in the last two hundred years.

A tiny force facing a massed enemy in unknown territory with a criticial mission. They need to scratch and scrounge their kit and enlist the help of local civilians to create a viable perimiter.

Unlike many books focused on small unit engagements there is ni long lead in with the central character's life story as a child padding it out. Basically it goes, "We were hanging around barracks in the UK and the boss turned up and told us to jump on the plane to Africa for a massive fight in the jungle."

Well written, nice bit of technical background on a special unit with the British Paras and utterly engaging.

If you like tactical military history and want to see how real professionals get a tough job done then read this book.

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[G829.Ebook] Free PDF My First Quilting Book - 35 easy and fun quilting, patchwork, and appliqu¨¦ projects for children aged 7 years +

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• Sales Rank: #10561207 in Books
• Binding: Paperback

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Dealing with business problems and a romantic betrayal leaves Diahann Marshall frustrated. Her sister suggests she order takeout and feast on a handsome delivery boy, but Diahann doesn’t expect the restaurant’s owner to show up at her door.Sun Li believes in a strong work ethic, it’s why he delivers Chinese food when his employees are sick. Meeting lovely customers is a plus, but when Sun realizes Diahann thinks he is a lowly delivery boy he is determined to help save her ice cream parlor, and win h

• Sales Rank: #1445957 in eBooks
• Published on: 2010-07-01
• Released on: 2010-07-01
• Format: Kindle eBook

Most helpful customer reviews

4 of 4 people found the following review helpful.
We All Scream
By mnix
Diahann Marshall is wracking her brain to find ways to keep the family ice cream business afloat. When her sister suggests making the local delivery guy "dessert" to take her mind off her troubles, she takes the plunge.

Sun Li manages a Chinese restaurant and although he is the owner, he still believes in taking up the slack. This means when his delivery boy is out of commission, he steps in. Although he is wildly attracted to Diahann, he knows she thinks he's just a lowly delivery guy. He steps up his game, determined to help her save her ice cream business and prove that he is more than worthy to be her man.

Slick, sassy, and sensuous, We All Scream is a deliciously fiery story encompassing the pleasures of food and passion, family and love, bad times and new beginnings. Diahann reigns supreme as a classy, smart, and modern Black woman with an old school sense of loyalty, right and wrong. She has more than her fair share of pride, which makes Sun her match in every way. I genuinely liked both characters, yet felt a bit uneasy when she thought Sun was a delivery boy, below her station. He was good enough for a frisky tumble but not worthy to be her man. How true to human nature it rings; perhaps I was meant to feel the discomfort. Haven't we all been guilty of this attitude? Hence the discomfort and squirming. Sun's reaction to everything made me appreciate and like him even more. These characters felt familiar, and it's obvious how much the author enjoyed writing them, especially Diahann's irritating (and devoted) younger sister, Dee. Nona Wesley nailed the dynamic between siblings, as well as the ties that bind a close-knit community, and how the modern world forces change by placing economical hardships on small businesses. This delightfully rich tale of contemporary love will make you snicker, sigh, root for our sizzling duo, and crave Chinese takeout with a large scoop of sweet HEA-ness on the side. What's your flava?

Patrice F.
Reviewed for Joyfully Reviewed

1 of 1 people found the following review helpful.
relationships with good, interesting and fun characters
By LAS Reviewer
[...]

All Diahann needed was no strings attached sex to get over the betrayal of finding out her long term boyfriend was married. So what better way than to seduce the sexy Chinese take-out driver she just meet a few hours earlier?

I like the fact that although Sun and Diahann seem so different they really have a lot in common. Both of them are so devoted to seeing their family's businesses succeed they have little time for their own personal lives. Little did they know by indulging themselves on a sexual escapade they would also be beginning a great business partnership.

Although this story has some dry spots there are other scenes that were quite interesting. I especially liked the fact that after Sun found out that she was a part owner in Marshal's he wanted to figure out a way to help both his restaurant and hers at the same time. Unfortunately one of the dry spots is the beginning of the story so keep that in mind and don't stop!! It will get better.

This story also offered a variety of supporting characters. Diahann's sister, Dee has a quirky sense of humor that definitely entertained me. I also liked Chet's incredible desire to do as little as possible like many young adults. I was happy to discover that Dee and Chet will be having a story as well. I am sure it will be a fun one, just like this was.

If you enjoy interracial relationships with good, interesting and fun characters this may be the story for you.

1 of 1 people found the following review helpful.
Good romantic premise ... under-developed romance
By IR Book Reviews
Description: The economy has been rough on Diahann Marshall's family-owned ice cream shop and her love life has gone even colder than the product she sells. Can local business owner Sun Li, who she thinks is a Chinese food delivery guy, be the perfect solve for both?

The Good: Compelling premise. I'm a big fan of mistaken identity plots and kept on reading just to see how it would all turn out.

The Bad: The H/H relationship is so under-developed that the great set-up is effectively ruined. Both characters (but especially Sun Li) lack strong/clear motivation, which makes suspension of disbelief particularly hard when certain romantic plot points play out. At the end of the day, this romance just isn't very romantic. Also, the heroine's sister, who is set up here for a book of her own, is meant to be funny, but often comes off as racist. (ex. she refers to the hero as Jackie Chan)

The Naughty: Steamy.

Editing issues: Several typos (counted 11). Missing chapter breaks in places.

Publisher: Phaze Books

Length: Novella

Final Grade: D+

Happy Reading,
Theodora from irbookreviews.com

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[K939.Ebook] Ebook Advanced Credit Risk Analysis and Management, by Ciby Joseph

Ebook Advanced Credit Risk Analysis and Management, by Ciby Joseph

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Credit is essential in the modern world and creates wealth, provided it is used wisely. The Global Credit Crisis during 2008/2009 has shown that sound understanding of underlying credit risk is crucial. If credit freezes, almost every activity in the economy is affected. The best way to utilize credit and get results is to understand credit risk.

Advanced Credit Risk Analysis and Management helps the reader to understand the various nuances of credit risk. It discusses various techniques to measure, analyze and manage credit risk for both lenders and borrowers. The book begins by defining what credit is and its advantages and disadvantages, the causes of credit risk, a brief historical overview of credit risk analysis and the strategic importance of credit risk in institutions that rely on claims or debtors. The book then details various techniques to study the entity level credit risks, including portfolio level credit risks.

Authored by a credit expert with two decades of experience in corporate finance and corporate credit risk, the book discusses the macroeconomic, industry and financial analysis for the study of credit risk. It covers credit risk grading and explains concepts including PD, EAD and LGD. It also highlights the distinction with equity risks and touches on credit risk pricing and the importance of credit risk in Basel Accords I, II and III. The two most common credit risks, project finance credit risk and working capital credit risk, are covered in detail with illustrations. The role of diversification and credit derivatives in credit portfolio management is considered. It also reflects on how the credit crisis develops in an economy by referring to the bubble formation. The book links with the 2008/2009 credit crisis and carries out an interesting discussion on how the credit crisis may have been avoided by following the fundamentals or principles of credit risk analysis and management.

The book is essential for both lenders and borrowers. Containing case studies adapted from real life examples and exercises, this important text is practical, topical and challenging. It is useful for a wide spectrum of academics and practitioners in credit risk and anyone interested in commercial and corporate credit and related products.

• Sales Rank: #306808 in Books
• Published on: 2013-06-17
• Original language: English
• Number of items: 1
• Dimensions: 9.90" h x 1.20" w x 6.70" l, 2.00 pounds
• Binding: Hardcover
• 448 pages

From the Inside Flap
‘The author has been very thorough in his research and it is obvious that he has used his extensive experience as a practitioner in the way that he has addressed this important subject.’
—David Moleshead, Chairman, Envestors MENA / Former Managing Director, HSBC (ME)

‘It’s rare to find such a mix of theoretical and practical advice on credit risk in such an accessible format. This book will surely be useful for both lenders and borrowers.’
—James Matthew FCA CPA (USA), Managing Director, Crowe Horwath

‘This is possibly the most comprehensive and rigorous work on credit risk. I particularly liked the approach, the simple, lucid, attractive style and the numerous interesting real-life examples. Ciby is a banker turned consultant and we have the benefit of his varied experience. Loaded with many powerful tools and techniques, this book will be a valuable guide to practitioners and academics alike. I'd advise anyone involved in credit to read carefully what Ciby has to say!’
—Binod Shanker, CFA, Managing Director, Genesis Institute

‘Credit Risk is the buzzword in the financial world these days and this book throws light on how to approach the intricacies of credit risk management effectively.’
—Davis Kallukaran FCA CFE (USA), Chief Executive Officer, Horwath MAK Corporation

‘Anyone who's ever wanted to understand credit risk surely can benefit from the practical information in this book.’
—Srinivas Arun ACA, AICWA, CPA (USA) ACMA (UK), Partner, Venture Consulting/Former CFO, Dubai Gold & Commodity Exchange

From the Back Cover
Credit is essential in the modern world and creates wealth, provided it is used wisely. The Global Credit Crisis during 2008/2009 has shown that sound understanding of underlying credit risk is crucial. If credit freezes, almost every activity in the economy is affected. The best way to utilize credit and get results is to understand credit risk.

Advanced Credit Risk Analysis and Management helps the reader to understand the various nuances of credit risk. It discusses various techniques to measure, analyze and manage credit risk for both lenders and borrowers. The book begins by defining what credit is and its advantages and disadvantages, the causes of credit risk, a brief historical overview of credit risk analysis and the strategic importance of credit risk in institutions that rely on claims or debtors. The book then details various techniques to study the entity level credit risks, including portfolio level credit risks.

Authored by a credit expert with two decades of experience in corporate finance and corporate credit risk, the book discusses the macroeconomic, industry and financial analysis for the study of credit risk. It covers credit risk grading and explains concepts including PD, EAD and LGD. It also highlights the distinction with equity risks and touches on credit risk pricing and the importance of credit risk in Basel Accords I, II and III. The two most common credit risks, project finance credit risk and working capital credit risk, are covered in detail with illustrations. The role of diversification and credit derivatives in credit portfolio management is considered. It also reflects on how a credit crisis develops in an economy by referring to the bubble formation. The book links with the 2008/2009 Global Credit Crisis and carries out an interesting discussion on how the credit crisis may have been avoided by following the fundamentals or principles of credit risk analysis and management.

The book is essential for both lenders and borrowers. Containing case studies adapted from real-life examples and exercises, this important text is practical, topical and challenging. It is useful for a wide spectrum of academics and practitioners in credit risk and anyone interested in commercial and corporate credit and related products.

About the Author
Ciby Joseph (FCA, FRM) is a veteran credit and finance professional with two decades of banking experience. His expertise includes credit risk analysis, credit risk management, financial analysis, relationship management, Basel regulations, investment management, derivatives and feasibility studies.� His banking exposure included banks such as CSB, HSBC and Lloyds TSB. University Rank holder (1989) and a recipient of a ‘Letter of Appreciation’ from HSBC (2003) for best credit risk analysis, Ciby headed the corporate credit risk of Lloyds TSB Middle East where he enjoyed corporate credit sanction authority. He is currently a Director at Crowe Horwath, UAE and a Partner of Transcend Investments & Credit Advisory, India. Ciby advises CEOs, CFOs and senior executives on optimum credit/borrowing strategies and participates in strategic assignments with respect to financing, debt syndication and risk management and conducts classes on credit risk. He has also contributed articles to various publications including Global Association of Risk Professionals, (GARP) USA.

Most helpful customer reviews

5 of 6 people found the following review helpful.
Pefect one for banking professional
By lal c jose
“I have gone through the book and can confidently say that the book is highly useful for banking professionals and to anyone who want to know more about credit risk. The book discusses formulation of effective early warning indicators and covers the impact of business cycles, industry risks, entity level risks and provides best in the class financial risk analysis. The book explains how to make credit risk judgement and discusses about risk grades, PD, LGD and EAD. The book covers credit risks in project finance and working capital situations and critically evaluates Basel Accords and links Merton Model to the mainstream credit risk analysis. It also delves in credit portfolio risks and shows how credit contributed to 2008 Global Crisis. Each chapter is presented well with good illustrations. There are thought provoking questions at the end of each chapter as well as detailed case studies.”

1 of 1 people found the following review helpful.
An excellent book for bankers and lenders
By ReeJo
The practical approach of ‘Advanced Credit Risk Analysis & Management’ is commendable. Many the credit risk books just covers ‘credit analysis’ and are very light on the ‘credit risk management’. ‘Advanced Credit Risk Analysis & Management’ covers both ‘credit risk analysis’ and ‘credit risk management’ comprehensively, from banking perspective. Besides, External Risk Analysis, Industry Risk Analysis, Company Risk Analysis, Financial Risk Analysis, the book also covers Credit Portfolio Risks, Credit Portfolio Risk Mitigation Techniques, Credit Risk Pricing, Credit Enhancement, Reasons for Credit Crisis, etc. One of the best chapters is the one that discusses financial analysis, from credit risk perspective. For example, the Cash From Operations (CFO) from lenders perspective is given in the book. While the CFO from equity/owners perspective is after interest and tax payments, the CFO from the perspective of a bank or lender is before interest and tax payments. Such subtle attention to detail makes the book highly useful. Another technique is the use of Free Cash Flows (FCF) for assessing the term loans. Strongly recommend the book.

0 of 0 people found the following review helpful.
Comprehensive and solid treatment of corporate credit analysis
By M. Michalski
A very interesting and informative book on corporate credit analysis, which stresses the importance of a comprehensive borrower analysis (external and internal factors, financial and descriptive facts, etc.) for a balanced and realistic judgment of the borrower's creditworthiness. Praiseworthy is i.a. the clear writing style and combination of theory with examples. I also liked the chapter on working capital management, however, in order to avoid potential misunderstanding of the notion of net working capital, which is used by finance people to denote different concepts, two different terms could be used like e.g. working capital needs or net working assets on the one hand and net working capital (as long term financing source of working capital needs) on the other hand. I wished a more in-depth discussion of the proper category of cash flow to be used as cash flow available for debt service (before or after capex, before or after working capital changes, and for 2 cases: when we have only historical financials and try to extract from them a CF that can be deemed "sustainable", i.e. likely to be repeated in similar amount in the future years, and when we have financial projections). All in all I find it a sound and recommendable book on credit analysis both for novice analysts (despite the word "advanced" in the title - given the clear language and explanations) and for seasoned bankers to refresh and enrich their knowledge (given the good quality of the topic treatment).

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