20 July 2010

Complete Idiot's Guide to Managing your Money

Publisher: Alpha

329 Pages
ISBN: 0028627229
23.57 MB

The Complete Idiot's Guide to Managing Your Money shows that any numbskull can master personal finance. In this second edition, a father-and-daughter writing team, Robert K. Heady and Christy Heady, give readers the best advice culled from their many years of experience in consumer rights and money management. The Headys believe that money must be managed for the long haul and that there are no quick ways to build wealth. The guide is easy to read, witty, and scornful of the hype dished out by banks and other peddlers of personal finance. It provides a plethora of personal-finance tips for consumers, including how to get the best deal on a mortgage, pay off debt, and bank online. The authors expose financial pitfalls such as bank-sold mutual funds, dealer financing for motor vehicles, extended warranties, and those dreaded bank fees. A full chapter is devoted to the evils of credit cards, which they feel is the biggest ripoff in the financial world. The writers contend that the toughest thing about saving is making the decision to do it. You should get going by putting aside a little amount of money each month through a mutual fund or dividend reinvestment plan. "The whole idea of managing money is to save a dollar here and there and then take that dollar and build it into two," they write. It shouldn't take a rocket scientist to understand that.
The issues of spending, saving, investing, and borrowing money are framed by these perky financial writers as a series of simple decisions we can make every day, instead of abdicating these choices to habit and impulse. Their approach reveals an uncommon grasp of the way most people handle their money. The ideas throughout the audio are superb; the language is practical, challenging, and empowering without overselling or offering enthusiasm in place of practical tools. Grover Gardner is excellent with this text--serious and accessible, confident and curious, he paces his performance to match the way most people hear this type of material.

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download : Real Options in Engineering Design, Operations, and Management


ISBN: 1420071696
253 pages
5,1 MB

Given that engineering flexibility can potentially provide a competitive advantage, the question then becomes: Precisely how valuable is this flexibility? However, traditional methods often fail to accurately capture the economic value of investments in an environment of widespread uncertainty and rapid change. The real options method represents the new state-of-the-art technique for valuation and management of strategic investments, enabling corporate decision-makers to leverage uncertainty and limit downside risk.

Real Options in Engineering Design, Operations, and Management presents and synthesizes the body of knowledge in the area of real options for engineering systems. Providing case studies and step-by-step computations of real options valuation, it covers engineering applications

across different disciplines such as industrial and civil engineering, and computer science. The authors review financial-option research results, consider how to quantify engineering activities, and analyze optimal business strategies based on a variety of real option models. They integrate academic work on real options in engineering, current practice, and discussion of future needs and opportunities.

Flexibility in decision making allows firms to compete more effectively in a world of substantial price and demand uncertainty, product variety, short product life cycles, and rapid product development. And with more frequent demands being placed on engineering systems to change, managers and manufacturing systems must react to events as they unfold. This book explores a real options modeling framework for engineering transitions that allows decision makers to capture and investigate several alternatives for improving an engineering system.

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18 July 2010

download : Managing Risk in Agriculture. A Holistic Approach


Sep. 2009
ISBN: 9264075305
172 pages
5 Mb

This book examines the current magnitude and characteristics of risk-related policies in agriculture and what is known about the quantitative size of agricultural risks. It looks at the on-farm, off-farm, and market instruments available to manage risk, and it explains how the holistic approach helps clarify the role of governments.

The sources of risk in agriculture are numerous and diverse, ranging from events related to climate and weather conditions to animal diseases; from changes in agriculture commodities prices to changes in fertilizer and other input prices; and from financial uncertainties to policy and regulatory risks. Agricultural risks are not independent, but rather are linked both to each other and as part of a system that includes all available instruments, strategies and policies designed to manage risk. A holistic approach is thus necessary.

Table of Content

Executive Summary

Chapter 1. Introduction

Chapter 2. Risk Management in Agriculture: a Holistic Conceptual Framework

-A holistic framework for the analysis of agricultural risk management systems-Sources of risk

-Risk management instruments and strategies

-The potential role of government

-A template to apply the holistic approach

Annex 2A. Framing the economic analysis of risk

-Annex 2B. Price volatility and price stabilization

Chapter 3. An Overview of Risk-Related Policy Measures

-Which policy measures have a direct risk dimension?

-Risk-related policies in the PSE

-Risk-related policies in WTO notifications on domestic support commitments

-Other risk-related policies

Chapter 4. An Assessment of Risk Exposure in Agriculture Based on a Review of the Literature-What is risk?

-Estimation of variability in price, yield and off-farm income

-Cause of variability in agriculture-Producer risk perceptions and preferences

-Lessons learned on the magnitude and causal factors of agricultural risks.

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13 July 2010

download : The Accidental Entrepreneur

Like many business owners, Susan-Urquhart Brown never expected to end up as an entrepreneur. Launching her own business spoke to her passions, but she soon realized there was much more to being a successful owner than she ever expected. In The Accidental Entrepreneur, she takes all the mystery out of going solo. For those who are just beginning to consider starting a venture as well as those who want to take their organization to the next level, she offers ad­vice on what works and what doesn"t. With hard-won wisdom and empathy, she shows readers: the 8 questions everyone should ask up front * the top 10 traits of the successful entrepreneur * how to obtain a license and sellers permit * the best way to create a business plan * 10 simple ways to get referrals * the 6 secrets of marketing a business * smart tips for investing and finance * ways to avoid burnout * how to avoid the 7 biggest pitfalls in business Starting one"s own business should be exciting, not scary. This is the one book that will show readers how to create a successful and fulfilling venture they can be proud of.

09 July 2010

download : the girl with a secret

About Author:

Charlotte Armstrong Lewi (1905-05-02 Vulcan, Michigan – 1969-07-18 Glendale, California) was an American author. Under the names Charlotte Armstrong and Jo Valentine she wrote over 28 novels, as well as working for the New York Times advertising department, as a fashion reporter for Breath of the Avenue (a buyer's guide), and in an accounting firm.

About Novel:

" The Girl with a secret " is one of her novels.

Alice knew her new husband had a checkered past - he was in undercover police work before their marriage. He was supposed to be out of that now. But just as they arrive for a visit to meet his family, he gets called away to infiltrate a narcotics gang.
Alice finds out, totally by accident. Tony is ready to call the whole thing off. But he goes to Mexico, and Alice is set to cover for him. But it's harder to keep the secret than she expects, and the danger is all around.
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07 July 2010

download : brands and branding (the economist series)

Brands today are key engines of economic strength. Far from being a superficial or cosmetic communications exercise, brands have become a central organizing principle behind many ambitious companies. This authoritative book contains contributions from some of the field's leading practitioners, academics, and consultants, analysing the nature and benefits of brands - particularly in terms of their sustainable business value and their wider social advantages. This is the definitive business book on brands and branding. It not only explains the economic strength and importance of brands, but also will frame thinking on the best practice of branding now and for the future.

02 July 2010

download : Amazon: Get Big Fast

The tale of is well known to anyone who follows the stock market, the book business, the Internet explosion--heck, it's hard to imagine not knowing at least a piece of this extraordinary story. But few, it would seem, know the entire story, and it's these gaps that Robert Spector's Get Big Fast attempts to fill (or at least the information available in early 2000, when the book was published). For example, those who know about's paradigm-shifting influence on the book business may not know it wasn't even the first online book retailer, or the second or the third. (It was preceded by,, and, the last of which beat to the Internet by almost two years.) Those who've heard quirky stories about founder Jeff Bezos--for example, that he built his own desk out of a door, and that his mother bought the desk at an online charity auction in 1999 for $30,100--may not know that he was a studious overachiever from an early age. As a 12-year-old in Houston, he was even profiled in a book on gifted education in Texas. And those who marvel at the company's multibillion-dollar stock valuation may not know that it was broke and nearly out of business in the summer of '95.

Put it all together and you have a book that should be interesting to many different readers. As a pure business read, it certainly provides a blow-by-blow account of an important company's critical decisions. And anyone looking for a brief history of e-commerce will see how one idea--Bezos's realization in 1994 that Web usage was growing 2,300 percent a year--set the entire online retailing phenomenon in motion. If nothing else, that last fact should propel parents to pay very careful attention to their kids' math scores. Had Bezos, a summa cum laude Princeton grad in computer science, not realized the implications of exponential growth ... well, let's just say you wouldn't be reading this review right now. --Lou Schuler --This text refers to an out of print or unavailable edition of this title.

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63 Tactics for Teaching Diverse Learners, Grades 6-12

Robert (Bob) F. Algozzine, Pamela (Pam) Campbell, Jianjun Adam Wang, "63 Tactics for Teaching Diverse Learners, Grades 6-12"

'What a wonderful and essential resource! In the age of differentiated instruction, this resource provides a wide array of authentic approaches that I can use in my classroom today! This book offers the reader real-life solutions to a challenge that teachers face every day: truly educating all students by giving them the tools they need to have a successful future'

-Kendra Sarabia, English Teacher

Cape Cod Regional Technical High School, Harwich, MA

'Grounded in research and theory, this book provides important foundational knowledge and outlines a comprehensive approach to the planning, management, delivery, and evaluation of instruction for diverse populations'

-Evelyn B. Barese, Assistant Professor of Education , Mount Saint Mary’s College

This collection of evidence-based instructional strategies enables general and special education teachers, novice or experienced, to address the learning needs of all students in diverse, inclusive classrooms. The authors provide a practical, research-based teaching model that focuses on planning, managing, delivering, and evaluating instruction for middle and secondary students with or without disabilities. Readers will find:

- Descriptions of how to teach students with different learning styles and needs

- Specific instructions for using each tactic, with helpful comments from practicing teachers and literature resources

- A wealth of reproducible worksheets

- Help for choosing appropriate strategies for specific subject areas, grade ranges, or learning difficulties

- Information to help teachers comply with federal mandates such as NCLB and the reauthorization of IDEA 2004

63 Tactics for Teaching Diverse Learners, Grades 6–12 allows teachers to match specific needs with an easily accessible set of solutions and enable all learners to achieve success in the classroom.

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