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2. Capital recovery factor - Wikipedia

   en.wikipedia.org/wiki/Capital_recovery_factor

   A capital recovery factor is the ratio of a constant annuity to the present value of receiving that annuity for a given length of time. Using an interest rate i, the capital recovery factor is: = (+) (+) where is the number of annuities received. [1]

3. Equivalent annual cost - Wikipedia

   en.wikipedia.org/wiki/Equivalent_annual_cost

   A = Capital recovery (amortization) factor F = Sinking fund amortization factor I = Investment S = Estimated salvage value = Operating expense stream d = CCA rate per year for tax purposes t = rate of taxation n = number of years i = cost of capital, rate of interest, or minimum rate of return (whichever is most relevant) and where

4. Loss given default - Wikipedia

   en.wikipedia.org/wiki/Loss_given_default

   The recovery rate is defined as 1 minus the LGD, the share of an asset that is recovered when a borrower defaults. [ 1 ] Loss given default is facility-specific because such losses are generally understood to be influenced by key transaction characteristics such as the presence of collateral and the degree of subordination.

5. Tidal Model - Wikipedia

   en.wikipedia.org/wiki/Tidal_Model

   The Tidal Model practitioner uses a specific form of inquiry to explore this story collaboratively, revealing its hidden meanings, the person's resources, and to identify what needs to be done to assist recovery. Others domain represents the various relationships the person has: past, present and future. This includes Tidal Model practitioners ...

6. 5 Phrases a Child Psychologist Is Begging Parents and ...

   www.aol.com/5-phrases-child-psychologist-begging...

   In the life of your child, you easily exchange thousands of words every day, or at the very least every week. And while many of these conversations may seem normal and even fairly inconsequential, ...

7. Three circles - Wikipedia

   en.wikipedia.org/wiki/Three_circles

   The three circles is an exercise / diagram used by recovering addicts to describe and define behaviors that lead either to a relapse into or recovery from addictive behaviors. Some treatment groups and 12-step recovery programs related to behavioral addictions encourage recovering addicts to complete the three circle exercise to help the addict ...

8. Twelve-step program - Wikipedia

   en.wikipedia.org/wiki/Twelve-step_program

   A sponsor is a more experienced person in recovery who guides the less-experienced aspirant ("sponsee") through the program's twelve steps. New members in twelve-step programs are encouraged to secure a relationship with at least one sponsor who both has a sponsor and has taken the twelve steps themselves. [ 28 ]

9. Dying To Be Free - The Huffington Post

   projects.huffingtonpost.com/dying-to-be-free...

   The addiction involves genetic predisposition, corrupted brain chemistry, entrenched environmental factors and any number of potential mental-health disorders — it requires urgent medical intervention. According to the medical establishment, medication coupled with counseling is the most effective form of treatment for opioid addiction.