If you are like most people, you may desire to achieve many financial goals such as owning assets, saving money for emergency purposes, protecting yourself and your loved ones with insurance, and many more. Nonetheless, achieving these goals with limited resources can be challenging, especially given the complexity of modern financial markets. In this fourth and latest edition, Personal Financial Planning expands on the important skill of financial planning, covering more topics than before. This volume is designed to help you formulate financial goals and develop specific financial plans to achieve your goals. Topics covered in this volume include the benefits of personal financial planning, financial planning tools, managing credit, insurance planning, income tax planning, retirement planning, and personal financial risk management, among others. The authors are professionals with many years of experience in the field, and key terms and concepts are explained in a fuss-free manner with clear and relevant examples. This book is suitable for a wide range of audiences, including polytechnic students, undergraduates, MBA students, and those pursuing the Chartered Financial Analyst (CFA) and Chartered Financial Planning (CFP) qualifications as well as financial planners and advisers in banks, insurance and stock broking firms.
Deals with a wide range of topics on personal finance covered in 45 chapters. Explains complex financial tools, products, processes in a simple-to-understand way. Beyond providing an explanation of products and tools, it also provides practical advice on money management"--
Since 1990 public political criticism has evolved into a prominent feature of Vietnam's political landscape. So argues Benedict Kerkvliet in his analysis of Communist Party–ruled Vietnam. Speaking Out in Vietnam assesses the rise and diversity of these public displays of disagreement, showing that it has morphed from family whispers to large-scale use of electronic media. In discussing how such criticism has become widespread over the last three decades, Kerkvliet focuses on four clusters of critics: factory workers demanding better wages and living standards; villagers demonstrating and petitioning against corruption and land confiscations; citizens opposing China's encroachment into Vietnam and criticizing China-Vietnam relations; and dissidents objecting to the party-state regime and pressing for democratization. He finds that public political criticism ranges from lambasting corrupt authorities to condemning repression of bloggers to protesting about working conditions. Speaking Out in Vietnam shows that although we may think that the party-state represses public criticism, in fact Vietnamese authorities often tolerate and respond positively to such public and open protests.
Lonely Planet: The world's leading travel guide publisher Lonely Planet's Pocket Bruges & Brussels is your passport to the most relevant, up-to-date advice on what to see and skip, and what hidden discoveries await you. Climb the famous bell tower in Bruges' Markt, explore the city's rivers on a boat cruise and take an audio tour of world music at Brussels' Musee des Instruments de Musique - all with your trusted travel companion. Get to the heart of Bruges & Brussels and begin your journey now! Inside Lonely Planet's Pocket Bruges & Brussels: Full-colour maps and images throughout Highlights and itineraries help you tailor your trip to your personal needs and interests Insider tips to save time and money and get around like a local, avoiding crowds and trouble spots Essential info at your fingertips - hours of operation, phone numbers, websites, transit tips, prices Honest reviews for all budgets - eating, sleeping, sightseeing, going out, shopping, hidden gems that most guidebooks miss Free, convenient pull-out map (included in print version), plus over 19 colour neighbourhood maps User-friendly layout with helpful icons, and organised by neighbourhood to help you pick the best spots to spend your time Covers Burg, Markt, Groeningemuseum, Royal Quarter Museums, Grand Place, Ilot Sacre, Parc du Cinquantenaire, EU Quarter, the Marolles, Ste-Catherine, Musee Horta and more The Perfect Choice: Lonely Planet's Pocket Bruges & Brussels is our colourful, easy to use and handy guide that literally fits in your pocket, providing on-the-go assistance for those seeking the best sights and experiences on a short visit or weekend away. Looking for more extensive coverage? Check out Lonely Planet's Belgium & Luxembourg guide for an in-depth look at all the country has to offer. About Lonely Planet: Lonely Planet is a leading travel media company and the world's number one travel guidebook brand, providing both inspiring and trustworthy information for every kind of traveller since 1973. Over the past four decades, we've printed over 145 million guidebooks and grown a dedicated, passionate global community of travellers. You'll also find our content online, and in mobile apps, video, 14 languages, nine international magazines, armchair and lifestyle books, ebooks, and more. 'Lonely Planet guides are, quite simply, like no other.' - New York Times 'Lonely Planet. It's on everyone's bookshelves, it's in every traveller's hands. It's on mobile phones. It's on the Internet. It's everywhere, and it's telling entire generations of people how to travel the world.' - Fairfax Media (Australia) eBook Features: (Best viewed on tablet devices and smartphones) Downloadable PDF and offline maps prevent roaming and data charges Effortlessly navigate and jump between maps and reviews Add notes to personalise your guidebook experience Seamlessly flip between pages Bookmarks and speedy search capabilities get you to key pages in a flash Embedded links to recommendations' websites Zoom-in maps and images Inbuilt dictionary for quick referencing Important Notice: The digital edition of this book may not contain all of the images found in the physical edition.
Viruses are the causes of approximately 25% of human cancers. Due to their importance in carcinogenesis, there is a desperate need for a book that discusses these viruses. This book is therefore timely, providing a comprehensive review of the molecular biology of oncogenic viruses and The cancers they cause. Viruses that are discussed in the individual chapters include hepatitis B virus, hepatitis C virus, human papilloma viruses, Epsteinndash;Barr virus, Kaposi's sarcoma virus and human T-cell leukemia virus type 1. This book provides up-to-date information for graduate students, postdoctoral fellows, medical students, physicians and non-experts who are interested in learning more about the oncogenic viruses and how they cause human cancers.
Packaging Research in Food Product Design and Development is the first book to comprehensively address the issues of graphics design and visual concepts, from a systematic, scientific viewpoint, yet with business applications in mind. Positioned specifically for foods and beverages, Packaging Research in Food Product Design and Development uniquely combines consumer liking, segmentation and “how to” business methodology with a detailed treatment of the different facets of concept research.
Lonely Planet: The world's leading travel guide publisher Lonely Planet's Belgium & Luxembourg is your passport to the most relevant, up-to-date advice on what to see and skip, and what hidden discoveries await you. Explore Unesco-listed belfries in Bruges and Tournai, savour Belgian pralines at a Brussels chocolatier and stroll along the river gorge in Luxembourg City - all with your trusted travel companion. Get to the heart of Belgium & Luxembourg and begin your journey now! Inside Lonely Planet's Belgium & Luxembourg: Colour maps and images throughout Highlights and itineraries help you tailor your trip to your personal needs and interests Insider tips to save time and money and get around like a local, avoiding crowds and trouble spots Essential info at your fingertips - hours of operation, phone numbers, websites, transit tips, prices Honest reviews for all budgets - eating, sleeping, sightseeing, going out, shopping, hidden gems that most guidebooks miss Cultural insights provide a richer, more rewarding travel experience - history, people, music, landscapes, wildlife, cuisine, politics Covers Brussels, Bruges, Ghent (Gent), Antwerp, Mechelen, Tournai, Liège, Luxembourg City and more The Perfect Choice: Lonely Planet's Belgium & Luxembourg is our most comprehensive guide to Belgium & Luxembourg, and is perfect for discovering both popular and offbeat experiences. Looking for just the highlights? Check out Pocket Bruges & Brussels, our small, handy-sized guide featuring the top sights and attractions for a shorter visit or weekend away. About Lonely Planet: Lonely Planet is a leading travel media company and the world's number one travel guidebook brand, providing both inspiring and trustworthy information for every kind of traveller since 1973. Over the past four decades, we've printed over 145 million guidebooks and grown a dedicated, passionate global community of travellers. You'll also find our content online, and in mobile apps, video, 14 languages, nine international magazines, armchair and lifestyle books, ebooks, and more. 'Lonely Planet guides are, quite simply, like no other.' - New York Times 'Lonely Planet. It's on everyone's bookshelves, it's in every traveller's hands. It's on mobile phones. It's on the Internet. It's everywhere, and it's telling entire generations of people how to travel the world.' - Fairfax Media (Australia) eBook Features: (Best viewed on tablet devices and smartphones) Downloadable PDF and offline maps prevent roaming and data charges Effortlessly navigate and jump between maps and reviews Add notes to personalise your guidebook experience Seamlessly flip between pages Bookmarks and speedy search capabilities get you to key pages in a flash Embedded links to recommendations' websites Zoom-in maps and images Inbuilt dictionary for quick referencing Important Notice: The digital edition of this book may not contain all of the images found in the physical edition.
Ordinary people's everyday political behavior can have a huge impact on national policy: that is the central conclusion of this book on Vietnam. In telling the story of collectivized agriculture in that country, Benedict J. Tria Kerkvliet uncovers a history of local resistance to national policy and gives a voice to the villagers who effected change. Not through open opposition but through their everyday political behavior, villagers individually and in small, unorganized groups undermined collective farming and frustrated authorities' efforts to correct the problems.The Power of Everyday Politics is an authoritative account, based on extensive research in Vietnam's National Archives and in the Red River Delta countryside, of the formation of collective farms in northern Vietnam in the late 1950s, their enlargement during wartime in the 1960s and 1970s, and their collapse in the 1980s. As Kerkvliet shows, the Vietnamese government eventually terminated the system, but not for ideological reasons. Rather, collectivization had become hopelessly compromised and was ultimately destroyed largely by the activities of villagers. Decollectivization began locally among villagers themselves; national policy merely followed. The power of everyday politics is not unique to Vietnam, Kerkvliet asserts. He advances a theory explaining how everyday activities that do not conform to the behavior required by authorities may carry considerable political weight.
In this striking social history, Barbara M. Benedict draws on the texts of the early modern period to discover the era's attitudes toward curiosity, a trait we learn was often depicted as an unsavory form of transgression or cultural ambition.
This volume will give a systematic exposition of known results for free actions by finite groups on S. The text begins with preliminary material on Seifert manifolds and group classification. This is followed by sections dealing with related topics including free bZe/2 and bZe/3 actions on lens/prism manifolds, the reduction theorem and tangential structure.
The field of industrial microbiology involves a thorough knowledge of the microbial physiology behind the processes in the large-scale, profit-oriented production of microbe-related goods which are the subject of the field. In recent times a paradigm shift has occurred, and a molecular understanding of the various processes by which plants, animals and microorganisms are manipulated is now central to industrial microbiology. Thus the various applications of industrial microbiology are covered broadly, with emphasis on the physiological and genomic principles behind these applications. Relevance of the new elements such as bioinformatics, genomics, proteomics, site-directed mutation and metabolic engineering, which have necessitated the paradigm shift in industrial microbiology are discussed.
This book covers pathophysiology of fever, the general approach to the febrile patient, and offers a systematic, in-depth discussion regarding the differential diagnosis of unexplained fever. The authors define an unexplained fever as a fever which lasts a minimum of 14 days and whose etiology is not known. This one-of-a-kind publication highlights the main causes of fever, specifically infectious diseases, cancer, connective tissue diseases, various rare disorders, plus etiologies which are often ignored. Also, laboratory and medical imaging techniques for diagnosing fevers are included. Written in a comprehensive, unrepetitious style, this "must-have" resource includes such aspects as the history of the fever, a review of published cases, the approach to the patient, and an analytical review. This up-to-date volume is an indispensable guide that should be read by physicians, surgeons, internists, microbiologists and other medical professionals.
Digital software platforms such as iOS or Android evolve quickly. Through regular updates, their set of built-in (core) features increases. While innovation allows strengthening platforms amidst competition, it can hurt contributors when introducing core features that are already provided by third-party developers (Platform Coring). This book addresses the underexplored phenomenon of Platform Coring and provides strategical guidance for platform owners and third-party contributors. Platform owners are well-advised to carefully consider the benefits and risks for their platform ecosystem. The book contributes by highlighting avenues to employ Platform Coring for the competitive advantage of the platform and ecosystem simultaneously.
Lonely Planet: The world’s leading travel guide publisher Lonely Planet Sweden is your passport to the most relevant, up-to-date advice on what to see and skip, and what hidden discoveries await you. Visit the beautiful, stylish capital of Stockholm; hike, ski or dogsled Arctic wasteland; or curl up by the fire in a cosy cottage; all with your trusted travel companion. Get to the heart of Sweden and begin your journey now! Inside Lonely Planet Sweden Travel Guide: Colour maps and images throughout Highlights and itineraries help you tailor your trip to your personal needs and interests Insider tips to save time and money and get around like a local, avoiding crowds and trouble spots Essential info at your fingertips - hours of operation, phone numbers, websites, transit tips, prices Honest reviews for all budgets - eating, sleeping, sight-seeing, going out, shopping, hidden gems that most guidebooks miss Cultural insights give you a richer, more rewarding travel experience – climate change, immigration, people, film, statistics, history, Vikings, Vasa Dynasty, emigration, Swedish Empire, Christmas, drinks, cuisine, etiquette, lifestyle, cinema, literature, multiculturalism, religion, sport, environment, geography, geology, wildlife, national parks, design, architecture, craft, art, the Sami Free, convenient pull-out Stockholm map (included in print version) Covers Stockholm, Uppsala, Central Sweden, Goteborg, Southwest Sweden, Malmo, South Sweden, Southeast Sweden, Gotland, Ostersund, the Bothnian Coast, Lappland, the Far North and more eBook Features: (Best viewed on tablet devices and smartphones) Downloadable PDF and offline maps prevent roaming and data charges Effortlessly navigate and jump between maps and reviews Add notes to personalise your guidebook experience Seamlessly flip between pages Bookmarks and speedy search capabilities get you to key pages in a flash Embedded links to recommendations' websites Zoom-in maps and images Inbuilt dictionary for quick referencing The Perfect Choice: Lonely Planet Sweden, our most comprehensive guide to Sweden, is perfect for both exploring top sights and taking roads less travelled. About Lonely Planet: Lonely Planet is a leading travel media company and the world’s number one travel guidebook brand, providing both inspiring and trustworthy information for every kind of traveller since 1973. Over the past four decades, we’ve printed over 145 million guidebooks and grown a dedicated, passionate global community of travellers. You’ll also find our content online, on mobile, video and in 14 languages, 12 international magazines, armchair and lifestyle books, ebooks, and more. Important Notice: The digital edition of this book may not contain all of the images found in the physical edition.
This concise, accessible text provides students with a history of American constitutional development in the context of political, economic, and social change. Constitutional historian Michael Benedict stresses the role that the American people have played over time in defining the powers of government and the rights of individuals and minorities. He covers important trends and events in U.S. constitutional history, encompassing key Supreme Court and lower-court cases. The volume begins by discussing the English and colonial origins of American constitutionalism. Following an analysis of the American Revolution's meaning to constitutional history, the text traces the Constitution's evolution from the Early Republic to the present day. This third edition is updated to include the election of 2000, the Tea Party and the rise of popular constitutionalism, and the rise of judicial supremacy as seen in cases such as Citizens United, the Affordable Care Act, and gay marriage.
When radio broadcasting began in the early 1920s, the radio was a magic box aglow with the future, drawing humanity into a new age. Some thought it would dissolve the distance between time and place, others that human minds would become transparent, one tuned to another. Performers claiming psychic powers turned radio broadcasting into a fabulous money machine. These "mentalists," born from vaudeville, circuses, sideshows, and the Spiritualist and New Thought movements of the mid-late 19th century, used the language of wireless technology to explain their ability to see the past, present, and future. Casting their mystical knowledge as a scientifically honed craft, these mentalists persuaded millions to pay for dubious advice until governmental and public pressures forced them off the air. This book is a history of over 25 performers who practiced their art behind studio microphones during the early years of radio broadcasting, from about 1920 to 1940. Here, laid out for the first time, is the tale of how they made cash rain from the heavens and harnessed the sensation of the radio in search of wealth, health, love, and success.
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