Let’s face it, planning and saving for retirement is not easy. We are told that the earlier we start the better and that the “magic of compounding” will make our dreams come true if we simply trust the stock market and our investment advisor. But for most people it’s simply not possible. People in their twenties are often saddled with student debt and may be struggling to find suitable full-time employment. Saving for retirement is the last thing on their minds, as it should be. Then in our thirties and forties we tend to do things like get married, have kids, and buy houses. All these things cost a lot of money! So for many people there simply isn’t any money left to put away for retirement. Therefore many of us become procrastinators when it comes to saving for retirement. But there is hope. This book will take you step-by-step though planning and saving for retirement starting in your fifties and the best way to fund your retirement years. It is designed for people approaching retirement who want to ensure it is comfortable and stress-free.
Let’s face it, planning and saving for retirement is not easy. We are told that the earlier we start the better and that the “magic of compounding” will make our dreams come true if we simply trust the stock market and our investment advisor. But for most people it’s simply not possible. People in their twenties are often saddled with student debt and may be struggling to find suitable full-time employment. Saving for retirement is the last thing on their minds, as it should be. Then in our thirties and forties we tend to do things like get married, have kids, and buy houses. All these things cost a lot of money! So for many people there simply isn’t any money left to put away for retirement. Therefore many of us become procrastinators when it comes to saving for retirement. But there is hope. This book will take you step-by-step though planning and saving for retirement starting in your fifties and the best way to fund your retirement years. It is designed for people approaching retirement who want to ensure it is comfortable and stress-free.
If you read the papers and listen to the "experts," you've heard the usual pitches about retirement: you'll need a million dollars or more so you better start an RRSP early and maximize your contributions, trust the stock market and mutual funds for the best returns and put your faith in a financial advisor. But what if this advice is wrong? By reading this book, you will learn the truth about these myths. You will also be given six free spreadsheets to figure out where you really stand, including the latest "Retirement Optimizer" that allows you to compute your retirement income year-by-year and the "Personal Rate of Return Calculator" so you can determine just how well your investments have done. Find out how much you'll really need to save. Smoke and Mirrors dispels the five main retirement myths: If I had $1,000,000 I could retire. Find out why you might be fine with much less. RRSPs are the holy grail of retirement. Discover what is more important than the size of your RRSP. Don't worry about your investments; you'll be fine in the long run. Learn how to figure out the truth about how well your investments are really doing. Income taxes are the enemy. We're all interested in reducing our taxes, but find out why tax shelters and donation schemes may be dangerous to your financial health. Buy permanent life insurance to secure your financial future. Find out who needs life insurance, who doesn't and how to get it cheap.
The third edition of this successful textbook is concerned specifically with the design of steel structures to the British Standard BS 5950. Thoroughly revised and updated in accordance with the latest 2000 amendment to Part 1 of the standard, it discusses all aspects of the behaviour of steel structures, and criteria used in their design. With copious worked examples, The Behaviour and Design of Steel Structures to BS 5950 is an ideal course textbook for senior undergraduate students, and will also provide a useful reference source for the practising engineer.
A contrarian and controversial look at personal finance, and a super simple strategy for making—and keeping—more money Traditional financial wisdom persuades us to grow our net worth and build our assets. But traditional financial wisdom is often wrong. In Cash Cows, Pigs and Jackpots: The Simplest Personal Finance Strategy You'll Ever See, author and Chartered Accountant David Trahair challenges everything we think we know about managing our money, suggesting that that we follow the lead of the financial institutions that are leading us down the path to financial ruin. The banks, brokers, and investment companies of the world make enormous sums of money because they know that cash is king and they know how to guarantee cash flow from their clients on a continual basis. They aren't making the bulk of their money from investing in the stock market—they're leeching it from regular people like you, every minute of every day. Cash Cows, Pigs and Jackpots turns the tables, showing that the biggest cash cow we have is ourselves. Instead of chasing a dream that will never come true, it presents a financial plan so simple even a 10-year-old could understand it. Explains why the common consensus about making money is inherently flawed Presents an incredibly simple, easy-to-follow plan for really making and saving money Exposes the dangers of trusting money to a bank or broker Helping you break asset addiction, get out of debt, and increase your personal cash flow—and your wealth with it, Cash Cows, Pigs and Jackpots explains how bringing more cash into your life and watching carefully where it goes will allow you to save more, live the life you want, and avoid as much risk as possible—a great strategy going into the stormy financial years to come
The fully revised fourth edition of this successful textbook fills a void which will arise when British designers start using the European steel code EC3 instead of the current steel code BS5950. The principal feature of the forth edition is the discussion of the behaviour of steel structures and the criteria used in design according to the British version of EC3. Thus it serves to bridge the gap which too often occurs when attention is concentrated on methods of analysis and the sizing of structural components. Because emphasis is placed on the development of an understanding of behaviour, many analytical details are either omitted in favour of more descriptive explanations, or are relegated to appendices. The many worked examples both illustrate the behaviour of steel structures and exemplify details of the design process. The Behaviour and Design of Steel Structures to EC3 is a key text for senior undergraduate and graduate students, and an essential reference tool for practising structural engineers in the UK and other countries.
This sequel to the authors' acclaimed Organizational America reconsiders the central theme of that volume-the unprecedented growth of the modern organization in America and the replacement of American founding values by the values of the modern organization. That book warned that as the modern organization becomes the dominant social and economic reality in American life, influencing everything that individuals do on and off the job, the consequences for the future would be severe. The authors saw an America forced into a path that unimpeded could result in totalitarianism.
If you read the papers and listen to the "experts," you've heard the usual pitches about retirement: you'll need a million dollars so you better start an RRSP early and maximize your contributions, trust the stock market and mutual funds for the best returns and put your faith in a financial advisor. But what if this advice is wrong? By reading this book, you will learn the truth about these myths. You will also be given six free spreadsheets to figure out where you really stand, including the latest "Retirement Optimizer" that allows you to compute your retirement income year-by-year and the "Personal Rate of Return Calculator" so you can determine just how well your investments have done. Find out if you are saving enough ... or too little. Smoke and Mirrors dispels the five main retirement myths: 1. If I had $1,000,000 I could retire. Find out why you might be fine with much less. 2. RRSPs are the holy grail of retirement. Discover what is more important than the size of your RRSP. 3. Don't worry about your investments; you'll be fine in the long run. You'll learn how to figure out the truth about how well your investments are really doing. 4. We have met the enemy, and he is the tax collector. You may be interested in reducing your taxes, but find out why tax shelters may be dangerous to your financial health. 5. Secure your financial future - buy life insurance. Find out who needs it, who doesn't and how to get it cheap.
Stop risking everything to make your investment advisor rich The stock market crash of 2008 proved one thing: traditional retirement planning advice simply doesn't work. The risks are too enormous. Trusting the stock market is like gambling with your family's future. But how do you plan for retirement without risking everything? Enough Bull shows you how, with an easy-to-understand, simple-to-apply strategy for a better retirement. Enough Bull overturns the conventional wisdom about retirement planning, and offers the simple secrets to securing a comfortable retirement. In an accessible and straightforward style, this practical guide explains how it's possible to save for retirement starting later in life, retire comfortably on less money, and incur less risk. Updated to apply to both the U.S. and Canada, this new second edition offers a message of hope for average, cash-strapped baby boomers by detailing a step-by-step plan for avoiding all the traps, doing the exact opposite of what the major financial institutions recommend, and still coming out further ahead. Invest only in safe investments that will never decline Get out of the stock market and mutual funds forever Why waiting to save for retirement may beat starting early Elect to receive the CPP pension at exactly the right age Avoid the common scams that lead to financial disaster More than ever before, retirees are frightened and stressed out about finances. There never seems to be enough to pay current bills, let alone save thousands in RRSPs and 401Ks, yet the large financial institutions bombard us with fearful messages of destitution unless we maximize our contributions. The truth is this makes them rich, and you poor. Cut through the noise, stop taking the bait, and discover how you can have a comfortable future without sacrificing the present. Enough Bull provides the plan, you just need to act.
The wild, combative inside story of the most stunning upset in the history of presidential elections—Harry Truman's victory over Tom Dewey: “Outstanding.”—Minneapolis Star-Tribune In this lively account, award-winning historian David Pietrusza unpacks the most ingloriously iconic headline in the history of presidential elections—DEWEY DEFEATS TRUMAN—to reveal the 1948 campaign's backstage events and recount the down-to-the-wire brawl fought against the background of an erupting Cold War, the Berlin Airlift, the birth of Israel, and a post-war America facing exploding storms over civil rights and domestic communism. “Coherent, compelling…A skillful, authoritative investigation.”—Kirkus Reviews “A terrific book…a must-read.”—Ron Faucheux, former editor-in-chief, Campaigns & Elections magazine “Brilliantly portrays President Harry Truman's successful efforts to stave off the challenge of New York Gov. Tom Dewey, who was making a repeat bid as the Republican nominee.”—David Mark, author of Going Dirty: The Art of Negative Campaigning “Sweeping…compelling.”—Library Journal “Gripping detail.”—The New York Journal of Books
This textbook is a comprehensive introduction to structural steelwork design based on the limit states approach to BS 5950, for use by undergraduates in civil and structural engineering. It will also serve as a reference for practising engineers unfamiliar with new parts of BS 5950. The text introduces basic properties of steel, types of steel structure and steelwork design in order to develop an understanding of the various aspects of the behaviour and design of structural steelwork. This edition has been thoroughly revised in accordance with the 2000 amendment to Part 1 of BS 5950 - all references have been updated and a new section on partial encasement for fire resistance has been added. Each chapter features worked examples, practice problems and references.
In a global climate where engineers are increasingly under pressure to make the most of limited resources, there are huge potential financial and environmental benefits to be gained by designing for minimum weight. With Mechanics of Optimal Structural Design, David Rees brings the original approach of weight optimization to the existing structural design literature, providing a methodology for attaining minimum weight of a range of structures under their working loads. He addresses the current gap in education between formal structural design teaching at undergraduate level and the practical application of this knowledge in industry, describing the analytical techniques that students need to understand before applying computational techniques that can be easy to misuse without this grounding. Shows engineers how to approach structural design for minimum weight in clear, concise terms Contains many new least-weight design techniques, taking into consideration different manners of loading and including new topics that have not previously been considered within the least-weight theme Considers the demands for least-weight road, air and space vehicles for the future Enhanced by illustrative worked examples to enlighten the theory, exercises at the end of each chapter that enable application of the theory covered, and an accompanying website with worked examples and solutions housed at www.wiley.com/go/rees The least-weight analyses of basic structural elements ensure a spread of interest with many applications in mechanical, civil, aircraft and automobile engineering. Consequently, this book fills the gap between the basic material taught at undergraduate level and other approaches to optimum design, for example computer simulations and the finite element method.
Making use of untapped resources, Seim looks at the impact of the Rockefellers, viewed through the lens of their philanthropic support of social science from 1890-1940. Focusing specifically on the Rockefeller Foundation and the Laura Spelman Rockefeller Memorial, Seim connects the family's business success with its philanthropic enterprises.
A marvelous addition to the literature on both organizations and power. It is well-grounded in the research on these topics and especially the wide-range of relevant theorizing... The book is terrific at bringing together theory, research and the world of organizations." - George Ritzer, Distinguished University Professor, University of Maryland "This book tirelessly illuminates the nooks and crannies of the power literature...taking readers on an audacious tour of power′s multiple conceptualizations and expressions." - Hugh Willmott, Diageo Professor of Management Studies, University of Cambridge "Clegg and his associates expose the power dynamics that lie at the heart of all political and organizational arenas, and in so doing, they shed light on the underbelly along with the creative potentialities in organizational life." -Joyce Rothschild, Professor of Sociology, Virginia Polytechnic Institute and State University "Strange but true - most studies of organizational hierarchies downplay the issue of power or uncritically assume more is better, while ignoring its pernicious effects. Stewart Clegg, David Courpasson and Nelson Phillips set the record straight." - Joanne Martin, Merrill Professor of Organizational Behavior and, by courtesy, Sociology Stanford University Graduate School of Business, Stanford In this tour de force, Stewart Clegg, David Courpasson and Nelson Phillips provide a comprehensive account of power and organizations, unlocking power as the central relation of modern organizations and society. The authors present an excellent synthesis of organization, social and political theory to offer an overview of power and organizations that is historically informed, addresses current issues and is comprehensive in scope. Power and Organizations reviews the evolution of theories on power and organization, presenting not only the theorists who identify power as positive, but also dealing with the negativity of power and the real horror of which organizations are capable, which has thus far been underplayed in organization theory. At the core of organizational power projects are organizational elites, whose politics and projects are examined extensively in the book. The book concludes by examining the implications for organizations and their elites of the trends, tendencies, and theories considered in the course of the book. This book is required reading for graduate students and researchers in areas such as organizational, social and political theory.
This text is adressed to professional engineers, offering a broad introduction to the principal themes of continuum mechanics and structural dynamics. This edition includes a greater focus on worked examples, problems and solutions to engage the reader.
Stop risking everything to make your investment advisor rich The stock market crash of 2008 proved one thing: traditional retirement planning advice simply doesn't work. The risks are too enormous. Trusting the stock market is like gambling with your family's future. But how do you plan for retirement without risking everything? Enough Bull shows you how, with an easy-to-understand, simple-to-apply strategy for a better retirement. Enough Bull overturns the conventional wisdom about retirement planning, and offers the simple secrets to securing a comfortable retirement. In an accessible and straightforward style, this practical guide explains how it's possible to save for retirement starting later in life, retire comfortably on less money, and incur less risk. Updated to apply to both the U.S. and Canada, this new second edition offers a message of hope for average, cash-strapped baby boomers by detailing a step-by-step plan for avoiding all the traps, doing the exact opposite of what the major financial institutions recommend, and still coming out further ahead. Invest only in safe investments that will never decline Get out of the stock market and mutual funds forever Why waiting to save for retirement may beat starting early Elect to receive the CPP pension at exactly the right age Avoid the common scams that lead to financial disaster More than ever before, retirees are frightened and stressed out about finances. There never seems to be enough to pay current bills, let alone save thousands in RRSPs and 401Ks, yet the large financial institutions bombard us with fearful messages of destitution unless we maximize our contributions. The truth is this makes them rich, and you poor. Cut through the noise, stop taking the bait, and discover how you can have a comfortable future without sacrificing the present. Enough Bull provides the plan, you just need to act.
To address the exponential growth in the fields of pediatric hematology and oncology, this classic reference has been separated into two distinct volumes. With this volume, devoted strictly to pediatric hematology, and another to pediatric oncology, you’ll keep you on the cutting-edge of these two specialties. The completely revised 7th edition of Nathan and Oski’s Hematology of Infancy and Childhood is now in full color, and provides you with the most comprehensive, authoritative, up-to-date information for diagnosing and treating children with hematologic disorders. It brings together the pathophysiology of disease with detailed clinical guidance on diagnosis and management for the full range of blood diseases that you encounter in everyday practice. Written by the leading names in pediatric hematology, this resource is an essential tool for anyone involved in caring for children with hematologic disorders. Balances summaries of relevant pathophysiology with clear, practical clinical guidance to help you thoroughly understand the underlying science of diseases. Offers comprehensive coverage of all hematologic disorders, including newly recognized ones, along with the latest breakthroughs in diagnosis and management. Uses many boxes, graphs, and tables to highlight complex clinical diagnostic and management guidelines at a glance. Presents an all-new full-color design that includes clear illustrative examples of relevant science and clinical problems for quick access to the answers you need.
Statistics show that 90% of businesses fail within their first five years of operation. What is the story behind these intimidating odds? Every year, unsuspecting entrepreneurs show up at their banks asking for small-business loans. The problem is that far too many people go into business without doing thorough research into what it really takes to be successful. The best way to learn is to learn from someone who has worked with hundreds of small businesses. In this new book, small-business accountant and author David Trahair lays out in plain language everything that no one else tells you about starting a business. Trahair stresses that it's important for most people to start their business first as a side job. The owner should market and develop the business until it becomes strong enough to survive those crucial first years, and profitable enough to provide an income for the owners. Trahair also offers excellent tips on what the major franchisors will never tell you.
To address the exponential growth in the fields of pediatric hematology and oncology, this classic reference has been separated into two distinct volumes. With this volume, devoted strictly to pediatric hematology, and another to pediatric oncology, you'll keep you on the cutting-edge of these two specialties. The completely revised 7th edition of Nathan and Oski's Hematology of Infancy and Childhood is now in full color, and provides you with the most comprehensive, authoritative, up-to-date information for diagnosing and treating children with hematologic disorders. It brings together the pathophysiology of disease with detailed clinical guidance on diagnosis and management for the full range of blood diseases that you encounter in everyday practice. Written by the leading names in pediatric hematology, this resource is an essential tool for anyone involved in caring for children with hematologic disorders. And, as an Expert Consult title, this thoroughly updated 7th edition comes with access to the complete contents online, fully searchable. Balances summaries of relevant pathophysiology with clear, practical clinical guidance to help you thoroughly understand the underlying science of diseases. Offers comprehensive coverage of all hematologic disorders, including newly recognized ones, along with the latest breakthroughs in diagnosis and management. Uses many boxes, graphs, and tables to highlight complex clinical diagnostic and management guidelines at a glance. Presents an all-new full-color design that includes clear illustrative examples of relevant science and clinical problems for quick access to the answers you need. Provides access to the complete contents online, fully searchable, enabling you to consult it rapidly from any computer with an Internet connection. Your purchase entitles you to access the web site until the next edition is published, or until the current edition is no longer offered for sale by Elsevier, whichever occurs first. If the next edition is published less than one year after your purchase, you will be entitled to online access for one year from your date of purchase. Elsevier reserves the right to offer a suitable replacement product (such as a downloadable or CD-ROM-based electronic version) should access to the web site be discontinued.
Based on the principles explained in David Trahair's Canadian best-seller, Smoke and Mirrors, this workbook and CD-ROM give you the tools to make the right choices for your financial future. If you've read the book and want to apply the concepts to your own life, this workbook is for you.
Fetal & Neonatal Physiology provides neonatologist fellows and physicians with the essential information they need to effectively diagnose, treat, and manage sick and premature infants. Fully comprehensive, this resource continues to serve as an excellent reference tool, focusing on the basic science needed for exam preparation and the key information required for full-time practice. The 5th edition is the most substantially updated and revised edition ever. In the 5 years since the last edition published, there have been thousands of publications on various aspects of development of health and disease; Fetal and Neonatal Physiology synthesizes this knowledge into definitive guidance for today's busy practitioner. Offers definitive guidance on how to effectively manage the many health problems seen in newborn and premature infants. Chapters devoted to clinical correlation help explain the implications of fetal and neonatal physiology. Allows you to apply the latest insights on genetic therapy, intrauterine infections, brain protection and neuroimaging, and much more. Expert Consult eBook version included with purchase. This enhanced eBook experience allows you to search all of the text, figures, images, and references from the book on a variety of devices. Features a fantastic new 4-color design with 1,000 illustrations, 170+ chapters, and over 350 contributors. 16 new chapters cover such hot topics as Epigenetics; Placental Function in Intrauterine Growth Restriction; Regulation of Pulmonary Circulation; The Developing Microbiome of the Fetus and Newborn; Hereditary Contribution to Neonatal Hyperbilirubinemia; Mechanistic Aspects of Phototherapy for Neonatal Hyperbilirubinemia; Cerebellar Development; Pathophysiology of Neonatal Sepsis; Pathophysiology of Persistent Pulmonary Hypertension of the Newborn; Pathophysiology of Meconium Aspiration Syndrome; Pathophysiology of Ventilator Dependent Infants; Pathophysiology of Hypoxic-Ischemic Brain Injury; Pathophysiology of Neonatal White Matter Injury; Pathophysiology of Meningitis; Pathophysiology of Preeclampsia; and Pathophysiology of Chorioamnionitis. New Pathophysiology of Neonatal Diseases section highlights every process associated with a disease or injury, all in one place. In-depth information, combined with end-of-chapter summaries, enables deep or quick use of the text.
Comprehensive, user-friendly, and up to date, Chestnut's Obstetric Anesthesia: Principles and Practice, 6th Edition, provides the authoritative clinical information you need to provide optimal care to your patients. This substantially revised edition keeps you current on everything from basic science to anesthesia techniques to complications, including coverage of new research that is paving the way for improved patient outcomes. An expert editorial team ensures that this edition remains a must-have resource for obstetric anesthesiologists and obstetricians, nurse anesthetists and anesthesiology assistants, and anesthesiology and obstetric residents and students. - Presents the latest information on anesthesia techniques for labor and delivery and medical disorders that occur during pregnancy, emphasizing the treatment of the fetus and the mother as separate patients with distinct needs. - Contains new chapters on shared decision-making in obstetric anesthesia and chronic pain during and after pregnancy. - Features extensive revisions from cover to cover, including consolidated information on maternal infection and postoperative analgesia. - Covers key topics such as neonatal assessment and resuscitation, pharmacology during pregnancy and lactation, use of nitrous oxide for labor analgesia, programmed intermittent epidural bolus (PIEB) technique, epidural analgesia-associated fever, the role of gastric ultrasonography to assess the risk of aspiration, sugammadex in obstetric anesthesia, the role of video laryngoscopy and new supraglottic airway devices, spinal dysraphism, and cardiac arrest in obstetric patients. - Incorporates the latest guidelines on congenital heart disease and the management of sepsis, as well as difficult airway guidelines that are specific to obstetric anesthesia practice. - Offers abundant figures, tables, and boxes that illustrate the step-by-step management of a full range of clinical scenarios. - Enhanced eBook version included with purchase. Your enhanced eBook allows you to access all of the text, figures, and references from the book on a variety of devices.
Written by the leading names in pediatric oncology and hematology, Nathan and Oski's Hematology and Oncology of Infancy and Childhood offers you the essential tools you need to overcome the unique challenges and complexities of childhood cancers and hematologic disorders. Meticulously updated, this exciting full-color set brings together the pathophysiology of disease with detailed clinical guidance to provide you with the most comprehensive, authoritative, up-to-date information for diagnosing and treating children. - Form a definitive diagnosis and create the best treatment plans possible with comprehensive coverage of all pediatric cancers, including less-common tumors, as well as all hematologic disorders, including newly recognized ones. - Develop a thorough, understanding of the underlying science of diseases through summaries of relevant pathophysiology balanced with clear, practical clinical guidance. Nathan and Oski's is the only comprehensive product on the market that relates pathophysiology in such depth to hematologic and oncologic diseases affecting children. - Quickly and effortlessly access the key information you need with the help of a consistent organization from chapter to chapter and from volume to volume. - Stay at the forefront of your field thanks to new and revised chapters covering topics such as paroxysmal nocturnal hemoglobinuria, lysosomal storage diseases, childhood genetic predisposition to cancer, and oncology informatics. - Learn about the latest breakthroughs in diagnosis and management, making this the most complete guide in pediatric hematology and oncology. - Discover the latest in focused molecularly targeted therapies derived from the exponential growth of knowledge about basic biology and genetics underlying the field. - Rely on it anytime, anywhere! Access the full text, images, and more at Expert Consult.
From basic science to various anesthesia techniques to complications, the meticulously updated, fifth edition of Chestnut’s Obstetric Anesthesia: Principles and Practice, covers all you need to know about obstetric anesthesia. An editorial team of leading authorities presents the latest on anesthesia techniques for labor and delivery and medical disorders that occur during pregnancy. New chapters and rewritten versions of key chapters cover topics such as psychiatric disorders in the pregnant patient, neurologic disorders, and critical care of obstetric patients. It is an invaluable, comprehensive reference textbook for specialists in obstetric anesthesiology and obstetricians, as well as anesthesiology and obstetric residents. This book also serves as a clear, user-friendly guide for both anesthesiologists and obstetricians who are in clinical practice. Consult this title on your favorite e-reader, conduct rapid searches, and adjust font sizes for optimal readability. Get all the accuracy, expertise, and dependability you could ask for from the most important names in the fields of obstetric anesthesia and maternal-fetal medicine. Master the current best practices you need to know for treating the fetus and the mother as separate patients—each with distinct needs. Search and retain difficult concepts easily with the help of key point summaries in each chapter. Stay current on the latest advancements and developments with sweeping updates and new chapters on topics such as patient safety and team approach, transthoracic echocardiography and noninvasive measurement of cardiac output in obstetric patients, psychiatric disorders during pregnancy, neurologic injuries, and more. Prevent and plan for potential complications associated with the advancing age of pregnant women. An extensive, state-of-the art discussion of "critical care of obstetric patients" equips you to address any special considerations for this increasing segment. Know exactly how to proceed. An abundance of tables and boxes illustrate the step-by-step management of a full range of clinical scenarios. Choose the best drugs available while adhering to the most recent guidelines for obstetric anesthesia.
This book will give Canadians the ammunition they need to fight back against the scare tactics and rule of thumb selling methods used by many banks and financial planners to suck money out of your pockets every day!
As the majority of Canadians are now spending much more than they make, their debt levels are reaching crisis proportions. Excluding mortgage debt, the average Canadian owes over $25,000 in consumer debt, which poses massive risks not only for the individuals carrying that financial load, but for our entire financial system. In Crushing Debt, bestselling author David Trahair (Enough Bull) warns Canadians that consumer debt is becoming an urgent problem but one that can be solved. Trahair clearly outlines the evils of debt and how easy it is for debt to spiral out of control with examples of real-life stories of debt disasters. If you are a Canadian who is already struggling with debt, Crushing Debt will motivate you to face your financial problems and will show you step-by-step the most appropriate solution to getting out of your personal debt hell. Filled with proven advice, Crushing Debt is a call to action on an urgent and debilitating problem for far too many Canadians.
Turn you rretirement dreams into reality! Many financial advisers perpetuate the myth that you need $1 million dollars to retire, because the more money you hand over to them, the more money they make through commisions and other fees. The advice they offer often benefits them more than you.
The fully revised fourth edition of this successful textbook fills a void which will arise when British designers start using the European steel code EC3 instead of the current steel code BS5950. The principal feature of the forth edition is the discussion of the behaviour of steel structures and the criteria used in design according to the British version of EC3. Thus it serves to bridge the gap which too often occurs when attention is concentrated on methods of analysis and the sizing of structural components. Because emphasis is placed on the development of an understanding of behaviour, many analytical details are either omitted in favour of more descriptive explanations, or are relegated to appendices. The many worked examples both illustrate the behaviour of steel structures and exemplify details of the design process. The Behaviour and Design of Steel Structures to EC3 is a key text for senior undergraduate and graduate students, and an essential reference tool for practising structural engineers in the UK and other countries.
The third edition of this successful textbook is concerned specifically with the design of steel structures to the British Standard BS 5950. Thoroughly revised and updated in accordance with the latest 2000 amendment to Part 1 of the standard, it discusses all aspects of the behaviour of steel structures, and criteria used in their design. With copious worked examples, The Behaviour and Design of Steel Structures to BS 5950 is an ideal course textbook for senior undergraduate students, and will also provide a useful reference source for the practising engineer.
The fully revised fourth edition of this successful textbook fills a void which will arise when British designers start using the European steel code EC3 instead of the current steel code BS5950. The principal feature of the forth edition is the discussion of the behaviour of steel structures and the criteria used in design according to the British version of EC3. Thus it serves to bridge the gap which too often occurs when attention is concentrated on methods of analysis and the sizing of structural components. Because emphasis is placed on the development of an understanding of behaviour, many analytical details are either omitted in favour of more descriptive explanations, or are relegated to appendices. The many worked examples both illustrate the behaviour of steel structures and exemplify details of the design process. The Behaviour and Design of Steel Structures to EC3 is a key text for senior undergraduate and graduate students, and an essential reference tool for practising structural engineers in the UK and other countries.
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