Make the Right Choice - Enhance Your Ethical Decision Making Skills Today!
Ethical issues arise in all walks of life, but none have implications as far-reaching and serious as those related to public management. Most people working in the public sector want to do the "right" thing, but the issues can be highly complex or just not lend themselves to easy answers. Practical Ethics in Public Administration, Third Edition, provides the tools, techniques, and methods needed to help meet these challenges. This completely updated third edition provides public sector professionals the information they need to face the ethical issues that arise in the course of a day’s work, address those issues with greater self-assurance, perform their duties in an ethically justifiable manner, and explain their actions reasonably.
This new edition:Covers emerging ethical issues surrounding public-private partnershipsExamines the shift from compliance-based to integrity-based ethics programsExplores the context of moral competency
Contents The Real World • Ethics in the Public Sector/Ethics in the Private Sector • What Is Ethics, Anyway? • Raising the Right Questions: Ethical Approaches to Five Important Cases • The Real World Revisited • Who Am I? Who Do I Want to Be? What Do I Want? • Making Choices • Problems That Might Arise and How to Analyze Them • Developing an Ethical Style: How Would You Analyze Problems That Might Arise? • Addressing Public Ethical Conflict by Means of the Unified Ethic • Leadership Development and Moral Agency in Contemporary Governance • Perspectives on Contemporary Reform: Reinventing Government and the New Public Management • Ethics, Quality, and Performance • Ethical Dilemmas in Hybridization and Outsourcing • The Competent Moral Agent • Wrap-Up and Key Points
Drawing on their work training tens of thousands of people at leading organizations worldwide, the authors provide a deep understanding of the basics of financial management and measurement, along with hands-on activities to practice what you are reading. You'll discover:
Why the assumptions behind financial data matter
- What income statements, balance sheets, and cash flow statements really reveal
- How to use ratios to assess your venture's financial health
- How to calculate return on your investments in your enterprise
- Ways to use financial information to do your own job better
- How to instill financial intelligence throughout your team
Authoritative and accessible, Financial Intelligence for Entrepreneurs empowers you to "talk numbers" confidently with colleagues, partners, and employees-- and fully understand how to use financial data to make better decisions for your business.
It’s no surprise that even my most successful friends feel confused or paralyzed. Even if they have a shelfful of personal finance books, they don’t have time to make sense of all the information available. They don’t just want good advice, they want the best advice—so rather than do the “wrong thing,” they do nothing. Their 401(k) and bank statements pile up, unexamined or maybe even unopened.
What they don’t realize is that bad calls about money aren’t failures; they’re just what happens when emotional creatures have to make decisions about the future with limited information. What I tell them is that we need to scrap striving for perfection and instead commit to a process of guessing and making adjustments when things go off track. Of course we’re going to make the best guesses we can—but we’re not going to obsess over getting them exactly right.
The fact is, in a single page you can prioritize what you really want in life and figure out how to get there. That’s because a great financial plan has nothing to do with what the markets are doing, what your real estate agent is pitching, or the hot stock your brother-in-law told you about. It has everything to do with what’s most important to you.
By now you may be wondering, “What about the details? How much do I need to invest each year, and how do I allocate it? How much life insurance do I need?” Don’t worry: I’ll cover those topics and many more, sharing strategies that will take the complexity out of them.
The most important thing is getting clarity about the big picture so you can cope with the unexpected. Maybe you’ll lose the job you thought was secure; you’ll take a financial risk that doesn’t pan out; you’ll have twins when you were only budgeting for one. In other words: Life will happen.
But no matter what happens, this book will help you bridge the gap between where you are now and where you want to go.
New to the fourth edition are the topics of common and special causes, outliers, and risk management tools. Besides the new topics, many current topics have been expanded to reflect changes in auditing practices since 2004 and ISO 19011 guidance, and they have been rewritten to promote the common elements of all types of system and process audits.
The handbook can be used by new auditors to gain an understanding of auditing. Experienced auditors will find it to be a useful reference. Audit managers and quality managers can use the handbook as a guide for leading their auditing programs. The handbook may also be used by trainers and educators as source material for teaching the fundamentals of auditing.
This new edition devotes an entire chapter to a method of evaluating mutually exclusive projects without resorting to any imposed conditions. Two chapters not found in the previous edition address special topics in finance, including a novel and innovative way to approach amortization tables and the time value of money for cash flows when they increase geometrically or arithmetically. This new edition also features helpful how-to sections on Excel applications at the end of each appropriate chapter.
Authors Dall W. Forsythe and Donald J. Boyd outline the budgeting process through a series of memos from a budget director to a newly elected governor—a format that helps readers with little or no background understand complicated financial issues. They cover all of the steps of budget preparation, from strategy to execution, explaining technical vocabulary, and discussing key topics including baseline budgeting, revenue forecasting, and gap-closing options.
Forsythe and Boyd bring fresh insights into such issues as the importance of a multiyear strategic budget plan, the impact of the business cycle on state budgets, the tactical problems of getting budgets adopted by legislatures, and, of course, the relationship between governor and budget officer. Memos to the Governor is a painless, practical introduction to budget preparation for students of and practitioners in public administration and public-sector financial management.
“Excel has become the standard platform for quantitative analysis. Carlberg has become a world-class guide for Excel users wanting to do quantitative analysis. The combination makes Statistical Analysis: Microsoft Excel 2010 a must-have addition to the library of those who want to get the job done and done right.”
—Gene V Glass, Regents’ Professor Emeritus, Arizona State University
Use Excel 2010’s statistical tools to transform your data into knowledge
Use Excel 2010’s powerful statistical tools to gain a deeper understanding of your data,
make more accurate and reliable inferences, and solve problems in fields ranging from business to health sciences.
Top Excel guru Conrad Carlberg shows how to use Excel 2010 to perform the core statistical tasks every business professional, student, and researcher should master. Using real-world examples, Carlberg helps you choose the right technique for each problem and get the most out of Excel’s statistical features, including its new consistency functions. Along the way, you discover the most effective ways to use correlation and regression and analysis of variance and covariance. You see how to use Excel to test statistical hypotheses using the normal, binomial, t and F distributions.
Becoming an expert with Excel statistics has never been easier! You’ll find crystal-clear instructions, insider insights, and complete step-by-step projects—all complemented by an extensive set of web-based resources.
• Master Excel’s most useful descriptive and inferential statistical tools
• Tell the truth with statistics, and recognize when others don’t
• Accurately summarize sets of values
• View how values cluster and disperse
• Infer a population’s characteristics from a sample’s frequency distribution
• Explore correlation and regression to learn how variables move in tandem
• Understand Excel’s new consistency functions
• Test differences between two means using z tests, t tests, and Excel’s
Data Analysis Add-in
• Use ANOVA and ANCOVA to test differences between more than two means
• Explore statistical power by manipulating mean differences, standard errors, directionality, and alpha
There is an Excel workbook for each chapter, and each worksheet is keyed to one of the book's figures. You'll also find additional material, such as a chart that demonstrates how statistical power shifts as you manipulate sample size, mean differences, alpha and directionality. To access these free files, please visit http://www.quepublishing.com/title/0789747200 and click the Downloads Tab.
We want you to succeed on the financial accounting and reporting portion of the CPA Exam. That's why we've selected these 500 questions to help you study more effectively, use your preparation time wisely, and get your best score. These questions are similar to the ones you’ll find on the CPA Exam so you will know what to expect on test day. Each question includes a concise, easy-to-follow explanation in the answer key for your full understanding of the concepts. Whether you have been studying all year or are doing a last-minute review, McGraw-Hill Education: 500 Financial Accounting and Reporting Questions for the CPA Exam will help you achieve the high score you desire.
Sharpen your subject knowledge, strengthen your thinking skills, and build your test-taking confidence with:500 CPA Exam-style questions Full explanations for each question in the answer key A format parallel to that of the CPA Exam
Imagine a thousand cameras flashing in your eyes through a forest of microphones, everyone millions of dollars and world-wide headlines riding on your every word as you try to navigate your company through crisis, time and time again.
It’s not for the faint of heart…
But it does make for one entertaining memoir!
Welcome to the life of Jason Vines, the man who preserved the good name of Ford/Firestone, Jeep, General Motors, Nissan, Chevy, and other mega-companies throughout one catastrophe after the next.
In Vines’ candid first book, “What Did Jesus Drive”, you’ll hear about all the trials, tribulations, hilarity, and heartbreak of being a master PR consultant – straight from the man with the silver tongue himself!
Outrageous as it is insightful, shocking as it is refreshing; “What Did Jesus Drive” will have you laughing yourself hoarse all the while teaching you how to keep your cool with IT hits the fan!
This isn’t the PR class you took in Business School!
And relax; this is not a book about Jesus. (Although he does appear in two chapters: first as a Hispanic grandfather from Waterford, Michigan, and later as the real Prince of Peace.)
No, this book is about a life in the public relations blast furnace of the automotive industry; being the only man on the front line.
If you’re a company owner, CEO, PR professional, the lessons and stories in this book are INVALUABLE for you and everyone in your PR department!
Even if you’re just somebody who enjoys a look into the wild ride in the world of corporate America, this book is for you.
Get your copy of “What Did Jesus Drive” now, and let the games begin!
"Jason's story telling is his honest account of time well spent in a career documenting numerous pivotal events we all want to hear about." – Lee Iacocca
"Get me Jason Vines! How I wish as the candidates I worked for screamed, screwed, or gaffed their way into crisis, I had called on Jason Vines. This is more than a corporate PR book - it's a masters' class, no holds barred, white knuckle ride of insights and wisdom for anyone whose job it is to communicate for a living.” – ??????
“Jason Vines in raw and real story telling of his own journey explains to every politician, celebrity, corporate communications professional and government agency that has ever faced trouble (yes I am talking about you NFL - read this one Goodell!) why we have such a hard time telling the truth, why that's the whole frickin' problem and what we can do about it." – Joe Trippi, Democratic Campaign and Media Consultant.
"Jason Vines lived The Hurt Locker, defusing one public relations I.E.D. after another. To think some of the largest corporations we can name have been this close to pure PR disaster, and yet were saved by the insight Jason earned from decades of corporate cage fights, is truly amazing." – Dutch Mandel, AutoWeek Publisher
"I always knew I could count on Jason for an unbiased and honest opinion."
– Dr. Ricardo Martinez, MD, FACEP and former NHTSA Administrator
John Donahue and Richard Zeckhauser show how the public sector can harness private expertise to bolster productivity, capture information, and augment resources. The authors explain how private engagement in public missions--rightly structured and skillfully managed--is not so much an alternative to government as the way smart government ought to operate. The key is to carefully and strategically grant discretion to private entities, whether for-profit or nonprofit, in ways that simultaneously motivate and empower them to create public value. Drawing on a host of real-world examples-including charter schools, job training, and the resurrection of New York's Central Park--they show how, when, and why collaboration works, and also under what circumstances it doesn't.
Collaborative Governance reveals how the collaborative approach can be used to tap the resourcefulness and entrepreneurship of the private sector, and improvise fresh, flexible solutions to today's most pressing public challenges.
--Provides a comprehensive view of financing methods: public, private, and a combination of both sectors.
--Includes an up-to-date evaluation of traditional and new financing techniques, and the limitations and opportunities of each.
--Addresses current economic issues, including a chapter on banking reform.
--Includes completely revised sections on private and entrepreneurial finance as well as public finance.
The world is drowning in cash—and it's making us poorer and less safe. In The Curse of Cash, Kenneth Rogoff, one of the world’s leading economists, makes a persuasive and fascinating case for an idea that until recently would have seemed outlandish: getting rid of most paper money.
Even as people in advanced economies are using less paper money, there is more cash in circulation—a record $1.4 trillion in U.S. dollars alone, or $4,200 for every American, mostly in $100 bills. And the United States is hardly exceptional. So what is all that cash being used for? The answer is simple: a large part is feeding tax evasion, corruption, terrorism, the drug trade, human trafficking, and the rest of a massive global underground economy.
As Rogoff shows, paper money can also cripple monetary policy. In the aftermath of the recent financial crisis, central banks have been unable to stimulate growth and inflation by cutting interest rates significantly below zero for fear that it would drive investors to abandon treasury bills and stockpile cash. This constraint has paralyzed monetary policy in virtually every advanced economy, and is likely to be a recurring problem in the future.
The Curse of Cash offers a plan for phasing out most paper money—while leaving small-denomination bills and coins in circulation indefinitely—and addresses the issues the transition will pose, ranging from fears about privacy and price stability to the need to provide subsidized debit cards for the poor.
While phasing out the bulk of paper money will hardly solve the world’s problems, it would be a significant step toward addressing a surprising number of very big ones. Provocative, engaging, and backed by compelling original arguments and evidence, The Curse of Cash is certain to spark widespread debate.
You’ll learn how to use correlation and regression, analyze variance and covariance, and test statistical hypotheses using the normal, binomial, t, and F distributions. To help you make accurate inferences based on samples from a population, this edition adds two more chapters on inferential statistics, covering crucial topics ranging from experimental design to the statistical power of F tests.
Becoming an expert with Excel statistics has never been easier! You’ll find crystal-clear instructions, insider insights, and complete step-by-step projects—all complemented by extensive web-based resources.Master Excel’s most useful descriptive and inferential statistical tools Tell the truth with statistics—and recognize when others don’t Accurately summarize sets of values Infer a population’s characteristics from a sample’s frequency distribution Explore correlation and regression to learn how variables move in tandem Use Excel consistency functions such as STDEV.S() and STDEV.P() Test differences between two means using z tests, t tests, and Excel’s Data Analysis Add-in Use ANOVA to test differences between more than two means Explore statistical power by manipulating mean differences, standard errors, directionality, and alpha Take advantage of Recommended PivotTables, Quick Analysis, and other Excel 2013 shortcuts
This complete summary of the ideas from Napoleon Hill's book "Think and Grow Rich: The Way to Personal Achievement" shows that every achievement begins with an idea. The author states that wealth comes from turning this idea into something that people are willing to pay for, which is only achieved by thinking. Find out how you can use your own power of thinking to make your idea a reality and grow rich.
Added-value of this summary:
• Save time
• Understand the key concepts
• Expand your business knowledge
To learn more, read "Think and Grow Rich" and discover the money-making abilities hidden in your own mind.
This complete summary of the ideas from Michael Michalowicz's book "Profit First" introduces the Profit First Approach. According to Michalowicz, this approach means prioritising profit, instead of leaving it as an afterthought. By following this approach, you can secure your profits and run your business on the remaining cash.
There are four steps to install the Profit First Approach:
1. Draw a line in the sand
2. Set up your Profit First system
3. Use Profit First to destroy debt and optimise your business
4. Integrate some advanced techniques into your Profit First system
Added-value of this summary:
• Save time
• Prioritise your company’s profits
• Make your company permanently profitable
To learn more, read “Profit First” and get your business profit-ready!
Challenging the public and its leaders to rethink finance and its role in society, Shiller argues that finance should be defined not merely as the manipulation of money or the management of risk but as the stewardship of society's assets. He explains how people in financial careers--from CEO, investment manager, and banker to insurer, lawyer, and regulator--can and do manage, protect, and increase these assets. He describes how finance has historically contributed to the good of society through inventions such as insurance, mortgages, savings accounts, and pensions, and argues that we need to envision new ways to rechannel financial creativity to benefit society as a whole.
Ultimately, Shiller shows how society can once again harness the power of finance for the greater good.
The financial crisis forced accounting standard setters and market regulators around the globe to come up with new proposals for modifying existing practices for investment accounting. Accounting for Investments, Volume 2: Fixed Income and Interest Rate Derivatives covers these revised standards, as well as those not yet implemented, in detail.
Beginning with an overview of the financial products affected by these changes—defining each product, the way it is structured, its advantages and disadvantages, and the different events in the trade life cycle—the book then examines the information that anyone, person or institution, holding fixed income security and interest rate investments must record.Offers a comprehensive overview of financial products including fixed income and interest rate derivatives like interest rate swaps, caps, floors, collars, cross currency swaps, and more Follows the trade life cycle of each product Explains how new and anticipated changes in investment accounting affect the investment world
Accurately recording and reporting investments across financial products requires extensive knowledge both of new and existing practices, and Accounting for Investments, Volume 2, Fixed Income Securities and Interest Rate Derivatives covers this important topic in-depth, making it an invaluable resource for professional and novice accountants alike.
Building on the work of James Mirrlees, Anthony Atkinson and Joseph Stiglitz, and subsequent researchers, and in the spirit of classics by A. C. Pigou, William Vickrey, and Richard Musgrave, this book steps back from particular lines of inquiry to consider the field as a whole, including the relationships among different fiscal instruments. Louis Kaplow puts forward a framework that makes it possible to rigorously examine both distributive and distortionary effects of particular policies despite their complex interactions with others. To do so, various reforms--ranging from commodity or estate and gift taxation to regulation and public goods provision--are combined with a distributively offsetting adjustment to the income tax. The resulting distribution-neutral reform package holds much constant while leaving in play the distinctive effects of the policy instrument under consideration. By applying this common methodology to disparate subjects, The Theory of Taxation and Public Economics produces significant cross-fertilization and yields solutions to previously intractable problems.
The book is broadly divided into three sections. Section one examines the structure of the Balance Sheet and the Income Statement, their links and the accounting mechanisms used to prepare them. Section two deals with the identification, evaluation and reporting of Balance Sheet items. Section three covers the use of financial statements to analyze a firm’s performance and its risks. Throughout the book special topics are covered, including Derivatives and Hedge accounting (IAS 39), Business Combination (IFRS 3) and Operating Segments (IFRS 8).
Financial Reporting under IFRS is ideally suited to the needs of students of accounting and financial reporting, but all users of financial statements, from creditors and investors to suppliers, customers, employees and governments will benefit from its concise, topic-based approach.
David Shapiro, Stamford Associates
'An excellent intorduction to value investing, some of its most famous practitioners and the investments that made them rich.'
Mark Wallace, Rothschild
'In an age of turbulence, reading this book is as good as an inoculation against fads and infatuation with over-trading.'
Robin Woodbine Parish, Chairman of the El Oro and Exploration company.plc
What are the key principles that have served great investors for over half a century?
Is there anything that we can learn from those investors who have displayed an enviable performance on the world’s stock markets?
In this groundbreaking book, bestselling author Glen Arnold addresses just these questions. He provides a set of guidelines which join value principles and growth attributes with the philosophies of the world's most famous investors.
Originally published as Valuegrowth Investing, this new edition has been updated throughout. The Financial Times Guide to Value Investing conveys fundamental concepts, provides practical methods and soffers sound reasoning to guide investment selections.
The Financial Times Guide to Value Investing:Describes the proven investing philosophies of iconic investors including Warren Buffett, Peter Lynch and Benjamin Graham Shows what ordinary investors should focus on when looking to invest Provides tools for analysing key investment factors Delivers a coherent investment strategy today for growth tomorrow Proves that great investing requires great principles
The reason for this, we believe, is a lack of scientific logical or mythical information. And now it is the intention of this book to afford such knowledge.
This book is in no sense of the word the complete text on the subject. It does aim to present in factual form an outstanding new theory of financial (market) astrology. It also attempts to trace the operation of this theory upon the investor’s and trader’s possibilities in the Indian Stock Market.
Calculate loan repayments!
Handle a production’s limiting factors successfully!
Work out customers’ profitability!
Yes, most of the above and much more can be achieved in Microsoft Excel if you understand some basic concepts of financial modelling and analysis.
This book was written to help any users wanting to have a clear understanding of how Excel can help to perform some aspects of financial modelling and analysis using some of its built-in financial and logical functions. It goes further by elaborating detail exercises on the above. The book introduces the basic concepts of balance sheet, income statement and cash flow and builds the relevant models.
Many books have been written on Excel. However, this book explains some advanced techniques for sensitivity analysis and features in a rather simplified manner with plenty of screen captures wherever possible. New users and existing users on Excel will find this book handy.
This book will not only show you how to drive traffic to our website, but get "targeted" visitors. The ones that matter.
Find out what big companies and corporation are doing to get people to visit their websites. These are proven strategies that have worked for many big companies. And still are used today.
If you have a business to promote, a online business, or just a blog you want people to see, find out how to target and get the "targeted" audience to visit your website. This book will show you how to use the tools that are out there to bring your website to the top.
Saving Capitalism: For the Many, Not the Few by Robert B. Reich examines the intersection of economics and politics in order to make sense of income inequality and wealth disparity in the 21st century United States of America…PLEASE NOTE: This is key takeaways and analysis of the book and NOT the original book. Inside this Instaread of Saving Capitalism:Overview of the bookImportant PeopleKey TakeawaysAnalysis of Key Takeaways
Tony in his straight-forward, jargon free style provides the investor and business owner with a simple guide to protecting assets, reducing tax and keeping wealth in the family for future generations.
Inside you’ll discover how to:
1. Protect assets that have been accumulated in your personal name.
2. Ensure that your wealth is passed securely to your descendants and is not diluted by in-laws who marry into the family.
3. Ensure your wealth is controlled (even after you have passed away) according to your wishes, so that it is not squandered by irresponsible, extravagant heirs.
4. Place assets into a Trust that will not end in 80 years, but one that continues forever.
5. Ensure that once all structures, wills and protections are in place, they are updated and remain compliant with any changes in the law and in your personal circumstances.
'Accounting for Business' clearly explains accounting information's role in making sound business decisions and focuses upon the aspects of accounting practice which are most relevant to the non-specialist manager. It is ideal for first year undergraduates of business studies, higher students and those pursuing professional accountancy qualifications.
This third edition has been restructured, to further enhance its 'student centred' approach. The content has now been broken down into 25 roughly equivalent 'bite-sized' individual study topics. Each of these requires 6 hours of study time, enabling this book to support a full scale semester course with two topics a week, or a full year course at one topic a week.
Includes a wide selection of topical case studies, with a broad spread of international examples.
For easy reading, a comprehensive list of hundreds of topics each with a graphic image and explanatory text act as a useful exam revision reminder or reference tool for professionals.
The accompanying software which brings all these images to life can be downloaded at no extra charge thereby providing an additional computer based interactive learning resource as an easy and enjoyable way to study.
A combined eBook and software package at a tiny fraction of the previously published price.
Unlock accompanying software with your eBook receipt!
- Manage your own revision with step-by-step support from experienced examiners Ian Harrison and Michael Hillman
- Maintain an appropriate international focus in exams with examples and case studies from around the world
- Get the top marks by applying accounting terms accurately with the help of definitions and key words
Use the Revision Guide to prepare for the big day:
- Plan and pace your revision with the revision planner- Use the expert tips to clarify key points
- Avoid making typical mistakes with expert advice
- Test yourself with rapid-fire questions and answers and tick off each topic as you complete it
- Practise your exam skills with exam-style questions
Also available: Cambridge International AS and A Level Accounting textbook by Ian Harrison (ISBN: 9781444181432).
This title has not been through the Cambridge endorsement process.
Canada: What It Is, What It Can Be provides an incisive examination of this country's increasing prosperity gap – the difference in value between what we do create and what we could create if we performed at our full potential. As Roger Martin and James Milway demonstrate, although we are proud of our trading prowess, we do not participate as aggressively in world markets with innovative products and services as we could. While we want to take risks to achieve success, our business strategies and economic policies need to set the bar higher to achieve the success we want for Canada.
Written in an accessible style that helps general readers understand complex economic concepts, Canada: What It Is, What It Can Be exposes the myths currently guiding our public policy, and provides ground-breaking new approaches for realizing our full prosperity potential.
This book simultaneously introduces the financial methodology and the relevant mathematical tools in a style that is mathematically rigorous and yet accessible to practitioners and mathematicians alike. It interlaces financial concepts such as arbitrage opportunities, admissible strategies, contingent claims, option pricing and default risk with the mathematical theory of Brownian motion, diffusion processes, and Lévy processes. The authors proceed by successive generalisations with increasing complexity assuming some basic knowledge of probability theory. The first half of the book is devoted to continuous path processes whereas the second half deals with discontinuous processes.
The extensive bibliography comprises a wealth of important references and the author index enables readers quickly to locate where the reference is cited within the book, making this volume an invaluable tool both for students and for those at the forefront of research and practice.
The content contains contributions from a rich source of international researchers, academics and practitioners including, university and college lecturers, professional accountants and consultants and senior managers involved in a wide range of teaching, scholarship, research, and consultancy in the hospitality industry worldwide. The material is drawn from their work and experience and relates directly to the management of hospitality undertakings. Therefore the up to date case studies and examples used are taken from a wide ranging of companies across the industry including large international chains such as Sheraton, Holiday Inn, and Intercontinental.
Divided into three parts: Performance Management, Information Management and Asset Management the book tackles the following issues amongst others:
* Performance management in the international hospitality industry
* Benchmarking: measuring financial success
* The profit planning framework
* Making room rate pricing decisions
* Hotel asset management UK and US perspectives
* Lowering risk to enhance hospitality firm value
Accounting and Financial Management: developments in the international hospitality industry presents current developments drawn from a combination of live fieldwork and practical experience and therefore will content will appeal to a wide-ranging readership including practising managers and financial controllers in hospitality organisations, professional accountants and consultants, postgraduate candidates studying for master's degrees in hospitality management, and final year undergraduate students of hospitality management who elect to take an accounting option.
Do you have a credit card?
Roughly 70% of adults in the U.S. do.
In fact, Americans average 3.5 credit cards per person – that‛s a lot of plastic! Even with all that buying power in their wallets, most consumers have no idea the ways that they use (or misuse) their credit cards can affect their health, their relationships, and their credit scores. Many factors go into mounting credit card debt: impulse shopping, health emergencies, the loss of a job, marriage, divorce, a death in the family. With this debt comes stress, arguments, loss of sleep, inability to pay other bills, worry, health problems, crumbling relationships.
Does any of this sound familiar?
Increasing credit card debt and a lack of knowledge about how credit cards really work have created a new social phenomenon called The Plastic Effect. And if you have a credit card, The Plastic Effect can affect YOU.
In this new book, internationally recognized credit card expert, Polly A. Bauer, CPCS and attorney Stephen Lesavich, PhD, JD, have selected 25 of the most common urban legends influencing the use and misuse of credit cards. The authors, as business leaders and credit card experts, walk you through these urban legends about how credit cards are used and misused, explaining what is true and what is likely to cause you trouble.
You will get access to resources and additional information about each myth, tips from industry experts, and guidance that will help you use your credit cards more intelligently and effectively. You‛ll also learn how to understand your credit reports, improve your credit score and manage your debt in a way that puts the power back in YOUR hands. In short, this book will help you break free of The Plastic Effect."
If someone asked you to describe prosperity and security, what would you see in your mind’s eye? Is it finally taking that trip to Paris? A beautiful beach house? Or maybe making that last mortgage payment and staying right where you are? In your vision are you captaining a sailboat? Hiking through a redwood forest? Or simply enjoying a precious moment of peace and contentment?
When it comes to financial planning, it’s easy to jump right into the minutiae of investments, skipping over the deeper questions of what you really want from your money, both now and in the future. But in Picture Your Prosperity, Ellen Rogin and Lisa Kueng do the opposite. First they’ll help you figure out exactly what you need and want. Only then will they show you how to make the smart money decisions that can help turn your vision into reality.
If the thought of financial planning and investing sounds about as appealing as a trip to the dentist, you’re not alone. Many of us avoid the process because it feels too stressful, boring, or difficult. But as Ellen and Lisa have learned from their years in financial services, thinking about money becomes exciting and fun when it’s tied to your personal vision instead of a pile of technical details. And it can be easier than you think.
Once your goal is clear, the authors show you how to design your investments to create the life you’ve envisioned. Soon you’ll feel more in control of your finances and on the road to the things that matter most. You’ll be able to create a plan that’s broken down into manageable and, dare we say it, enjoyable steps. You’ll learn how to handle your money with more joy and less stress, even during turbulent times. And you’ll explore ways your financial moves can have a huge positive impact on other people.
As Rogin and Kueng write, “Your money is important, but money is meaningless if it can’t be connected to the rest of your life. Who cares what the totals on your balance sheet or in your bank account are if you can’t use them to build the kind of future you want? What good is having a brilliant investment strategy if you worry incessantly about losing it, constantly fight with your partner about money, or come home and kick your dog on days the market drops? What if instead you felt positive, peaceful, and prosperous?
Get ready to feel more excited than ever about your money, and about all the good things it can bring.