Best Selling Books by Michael Richards

When Nathan Montserrat entered Spaso House in Moscow, he decided not to kill the future Secretary of State. Instead, he would only deliver a message. He had no idea a Mossad assassin would do the job for him or that the killer would fire a .45 caliber slug into his chest. A former CIA deep cover operative, Montserrat is blackmailed by the Director of the CIA to undertake one last mission. After the debacle in Spaso House, the Russian police drag him to a Moscow prison - the first step into a bewildering spiral of deceit. Rescued by Gideon Yoel, an Israeli spymaster, he agrees to a Faustian pact to kill the CIA Director. Montserrat has no way of knowing that his actions will lead to a terrorist attack on American soil. With nonstop action, exotic locales, and twisting plots, A THOUSAND ENEMIES takes readers on the thrill ride of their lives.

♥ THANK YOU FOR A REVIEW! I WISH YOU EVERY SUCCESS! ♥ With this book, you get to color a variety of fun animal designs from all across the animal kingdom. We have included loveable farm animals, mysterious animals of the sea, wild jungle animals, and many more! You can color each animal with realistic colors or let your imagination run wild and use whichever colors you choose! Coloring Book contains over 100 cute animal coloring pages to color and enjoy. Cute Animals will entertain even the most capable colorist.

An existing literature shows that health shocks can induce healthier behaviors. However, almost no work has explored heterogeneity in post-shock behavioral decisions based on financial risk exposure to medical spending. Using the Health and Retirement Study over 10 survey waves (1992-2010) and targeting individuals under the age of 65 (pre-Medicare years), we demonstrate that those who experience a health shock simultaneously with a spell of being uninsured are roughly two to three times more likely not to smoke compared to those with different insurance status (employment-sponsored or Medicaid) at the time of the same shock. These individuals often respond to the health shock in a fashion that mirrors survey respondents who are continuously uninsured during the pre-Medicare years. While the health shock discourages tobacco consumption for each insurance group (with the Medicaid group as an important exception), uninsured status at the arrival of the health shock appears to provide substantive additional motivation not to smoke. We infer that at least some of this motivation is related to the financial consequences of the health shock via out-of-pocket medical expenditures.

Short biography of Alec Bolton, emphasising his involvement with the Brindabella Press which he established in Canberra in 1972. Includes references, an anecdotal checklist of the publications of the Brindabella Press, and Bolton's photographs of his published writers.

We use longitudinal data from the Health and Retirement Study to investigate the effects of exogenous changes to financial risk exposure to medical spending. We focus on the transition to Medicare coverage at the age 65 threshold as well as the introduction of Medicare Part-D in 2006. Our identification strategy rests on the timing of a health shock as unknown to the individual. Utilizing individual fixed effects, we find evidence that those experiencing a health shock are less likely to smoke if the shock occurs during the pre-Medicaid years. Conversely, shocks occurring at age 65 or later, when insurance generosity (i.e., financial risk protection) is greater, tend to be much less influential on smoking status. Unsurprisingly, insurance status preceding age 65 also matters, as different pre-existing insurance and financial situations shape some of the impact of transitioning to the Medicare program. We also account for labor supply considerations in certain models, which may also occur around age 65 and perhaps effect tobacco consumption. Relatedly, we show having a shock in the post-Part-D period leads to worse health behaviors for Medicare-eligible individuals relative to a shock in the pre-2006 period.