Mountains of bills and credit debt don't appear overnight, nor can they be erased by the time you wake in the morning. Debt is not something that happens to you. Debt sometimes comes from poor choices and the desire to have more than you can afford. It's time to give instant gratification an overhaul and realize what's important. This may require a return to the days of a more simple life when we earned it before we spent it. Engulfing debt, sleepless nights, and never-ending worry can be rectified with three easy tools: discipline, sacrifice, and patience. Once you learn how to make and stick to a budget, you'll be on the path to a debt-free life. If you're in an overwhelming financial pit, you'll need the tools to help you out of the abyss. Here you'll find the guidance to help. 1,134 Days to 0 is a collection of witty stories and true, heartfelt experiences that guide you along the path to financial freedom. It was written in layman's terms by an everyday person, not your typical intimidating financial guru. You'll laugh, you'll cry, you'll be inspired but most of all, you'll relate. Through the course of your reading, you will have your "aha" moment, when everything seems clear. You will comprehend that true sacrifice can come in many forms. This may be making sure your children have properly fitted clothes and shoes, or a nutritious meal while you are resewing your hems to get one more season out of your work pants. You may recognize yourself in the stories, realize where you went wrong, and identify how to correct your mistakes. In the end, you can reminisce about days gone past when you were in over your head. You'll find your inner rock star and become a savvy shopper and ultimate budget-keeper.
Learn about friendship as you color in the many different forest friends in this book. Discover how critters of the forest show each other how much they care! Each of the 20 illustrations in this coloring book features a different way that the animals of the forest show they care. Also comes with a note from the illustrator on the first page which encourages the reader to come up with their own ways to show their friends that they care for them. Some of the animals featured in this book include owl, fox, bunny, bear, opossum, turtle, squirrels, butterflies, birds, and more!
The world today comes with a list of challenges. Figuring out how to get your feet planted and get your finances on track should be easier, but we’re not always prepared with the best information despite the best education. Enter The Millennial Money Fix, a candid guide to understand how to handle your money with the obstacles of today. This book will get you through each step including: Identifying honest and realistic goals. Selecting and paying for a college or graduate program. Mastering cash flow to jumpstart your life. Navigating the job landscape to do what you love. Planning for marriage, babies, and all that gushy stuff. Redefining retirement as your ability to do what you want.
Megan Roberts, a stunning young elementary school teacher, arrives in town to make a new life after an unexpected breakup. The last thing she is looking for is a new love. The green-eyed darling catches the attention of the infamous, small town wild man, Shane Cash. His striking looks attract the attention of all the women in town, but his eye has turned in a new direction. He's torn between his reputation and his feelings. After an unforgettable night together turns into a nightmare, these two find themselves on the run. The situation is compounded when they realize they are falling in love with one another. Will this teacher be able to tame him or will he teach the quiet, lovely Megan to walk on the wild side? As a web of deceit is woven and one is led away in handcuffs, can the other untangle the mystery and learn to forgive?
If you don't have a money tree in your backyard, you'll appreciate this book! It's a short and sweet interactive guide to earning some extra cash and saving money so you can reach financial goals like paying off debt, going on vacation, or just having more money at the end of the month This book was written based on the learning experiences of the author in her journey to financial freedom for her family. These tips have helped her and she wants to share them with you!
The retirement market is huge. According to the Investment Company Institute, more than $2.25 Trillion is invested in 401(K) plans by more than 45 million Americans, building wealth for millions of individuals who hope to retire early and enjoy their old age in the lap of luxury. Understanding and maneuvering through the complex world of 401(K) plans though, can be quite difficult, often requiring professional help, or resulting in lost funds. For anyone who has ever wondered what it would take to turn those slowly growing 401(K) plans into exploding retirement accounts that will allow you to quit your job early, there are things you can do. This complete, up-to-date guide on the 401(K) plan market has made it easier than ever to sort through your finances and start pulling out the necessary bits and pieces of information that you need to truly capitalize on your retirement. You may think you know what a 401(K) plan is, but you will learn in detail exactly what these plans provide to you and what options you have that you may have never explored. From Roth IRAs to diversified portfolios, the options for how you invest in your retirement will finally be made clear. You will learn how to start saving, even when you re getting past the point you thought you could save. You will learn how to start your own retirement plan even if your employer does not provide one. You will learn how to maintain your savings plans and not lose a dime of your money, even if you change jobs repeatedly. You will be walked through the complex process of investing your own 401(K) plan, including how to take advantage of mutual funds, and how to measure the risk involved in stocks and options versus bonds. You will be shown the upper limits for your contributions every year and what you can do to maximize those contributions to ensure the money is there for you to draw from. You will learn how to choose between different tax structures and what you can expect as you grow closer to retirement. If you ever need to draw funds out of your 401(k) you will learn how to do so and what your plan expects of you. With the help of dozens of hours of carefully noted conversations with investment professionals, we have provided the tips you need to maximize every penny you have in your 401(k) plan so that when you retire, you have as much money as possible. And for those with alternate retirement options or necessities, you will learn what other 4() series savings plans are available to you. Don't wait too long to start investing in your future. With this book you can start now and retire when you want to, freeing up the rest of your life. Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company presidentâe(tm)s garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed.
The Buck Starts Here 101 Marvelous Money Making Ideas for Kids It's the self-starter's guide to discovering and marketing your skills so you can get the job you want. Whether you're an artist or an athlete, a clown or a computer-nut, you'll discover a way to put your talents to work and pocket the results. Turn rolling dough into rolling in dough! Sail through a garage sale! Turn your green thumb into a greenback! It's all possible--this book tells you how! You'll find plenty of easy-to-follow tips on interviewing, advertising, marketing, and budgeting. Plus information on cost and materials, time commitment, and realistic pricing. 101 Marvelous Money-Making Ideas for Kids will transform your extra hours into extra cash. You can bank on it.
The world today comes with a list of challenges. Figuring out how to get your feet planted and get your finances on track should be easier, but we’re not always prepared with the best information despite the best education. Enter The Millennial Money Fix, a candid guide to understand how to handle your money with the obstacles of today. This book will get you through each step including: Identifying honest and realistic goals. Selecting and paying for a college or graduate program. Mastering cash flow to jumpstart your life. Navigating the job landscape to do what you love. Planning for marriage, babies, and all that gushy stuff. Redefining retirement as your ability to do what you want.
Incorporate economic moat analysis for profitable investing Why Moats Matter is a comprehensive guide to finding great companies with economic moats, or competitive advantages. This book explains the investment approach used by Morningstar, Inc., and includes a free trial to Morningstar's Research. Economic moats—or sustainable competitive advantages—protect companies from competitors. Legendary investor Warren Buffett devised the economic moat concept. Morningstar has made it the foundation of a successful stock-investing philosophy. Morningstar views investing in the most fundamental sense: For Morningstar, investing is about holding shares in great businesses for long periods of time. How can investors tell a great business from a poor one? A great business can fend off competition and earn high returns on capital for many years to come. The key to finding these great companies is identifying economic moats that stem from at least one of five sources of competitive advantage—cost advantage, intangible assets, switching costs, efficient scale, and network effect. Each source is explored in depth throughout this book. Even better than finding a great business is finding one at a great price. The stock market affords virtually unlimited opportunities to track prices and buy or sell securities at any hour of the day or night. But looking past that noise and understanding the value of a business's underlying cash flows is the key to successful long-term investing. When investors focus on a company's fundamental value relative to its stock price, and not where the stock price sits today versus a month ago, a day ago, or five minutes ago, investors start to think like owners, not traders. And thinking like an owner will makes readers better investors. The book provides a fundamental framework for successful long-term investing. The book helps investors answer two key questions: How can investors identify a great business, and when should investors buy that business to maximize return? Using fundamental moat and valuation analysis has led to superior risk-adjusted returns and made Morningstar analysts some of the industry's top stock-pickers. In this book, Morningstar shares the ins and outs of its moat-driven investment philosophy, which readers can use to identify great stock picks for their own portfolios.
Have you ever wondered how some people can make little pieces of paper turn into huge money-saving events? Want to learn how to save hundreds of dollars every month on the items you use every day?Heather Tenney, known online and on tv as LittleMissKnowitAll, shares all of her best tips and secrets to saving money. She reveals the secrets of being a coupon queen so that you too can save hundreds of dollars every month!
Dive deep into your exploration of US history and the Great Depression with this social studies book that piques students curiosity about history through dynamic primary sources. Primary sources give students unique insights and personal connections to history. Examples of primary sources include a newspaper article about the stock market crash, a social security poster, images of the 1929 bank run, shantytowns, soup kitchens, dust storms, and many more. This 32-page book includes text features that help students increase reading comprehension and their understanding of the subject. Packed with interesting facts, sidebars, and essential vocabulary, this book is perfect for reports or projects.
What's Money Got to Do with It will elevate your financial thinking through real-world scenarios, while giving you fresh new tools to help you move through your current financial state into one of abundance, freedom and peace of mind. For most of us, money is a topic we would rather not talk about openly--particularly where debt is concerned. We somehow feel that getting in over our heads financially is a direct reflection on our self-worth. We're here to tell you that is not the case! The one thing we know for sure is that financial success is anything but guaranteed, and even more difficult when you choose to follow an entrepreneurial path. Join us in What's Money Got to Do with It as twelve co-authors share their personal experiences with their money story, financial trials and tribulations. Throughout What's Money Got to Do with It, we explore the differences between money, value, and worth, and how we often mistakenly tie our self-worth to our financial wellbeing, our careers, and to climbing that rickety, over-burdened corporate ladder. You'll find wisdom in the mindset tips included from each co-author, like: How to make non-emotional decisions about money Be intentional with your business profits Focus on your freedom from debt plan Have a clear vision of your financial future and use your cash flow plan effectively Discover how you can walk tall and proud, regardless of your story, and how changing your relationship with money is a key element in creating a positive shift in your bank balance.
Dive deep into your exploration of US history and the Great Depression with this social studies book that piques students’ curiosity about history through dynamic primary sources. Primary sources give students unique insights and personal connections to history. Examples of primary sources include a newspaper article about the stock market crash, a social security poster, images of the 1929 bank run, shantytowns, soup kitchens, dust storms, and many more. This 32-page book includes text features that help students increase reading comprehension and their understanding of the subject. Packed with interesting facts, sidebars, and essential vocabulary, this book is perfect for reports or projects.
International Marketing, 6e is written from a wholly Australasian perspective and covers issues unique to local marketers and managers looking towards the Asia–Pacific region, the European Union, and beyond. It presents a wide range of contemporary issues faced by subsidiaries of multinational enterprises (MNEs) as well as small and medium scale enterprises (SMEs), mainly exporters, which make up the vast bulk of firms involved in international business in the Australasian region. International Marketing, 6e clearly demonstrates the links between the different stages of international marketing, connecting analysis with planning, planning with strategy and strategy with implementation. Key concepts are brought to life with comprehensively updated statistics, recent illustrations, and a variety of real-world examples and case studies.
Get up and running with Xero in a flash Xero is fast emerging as the leader of online accounting software around the world, representing a serious challenge to MYOB, Sage and Quickbooks. Xero For Dummies provides you with all the information you need to set up your own Xero account from scratch, convert to Xero from another accounting software provider or start using Xero to its full potential. Easy to use and deceptively powerful, Xero is so much more than a spreadsheet – it can help you streamline reporting; manage inventory; simplify accounts; and organise suppliers, customers and more. Automatic imports, intuitive coding and seamless synching across multiple business platforms gets the paperwork done quickly so you can get back to running your business. This new fourth edition includes updates to the interface and coverage of the newest features, including updates on generating reports, working with fixed assets and managing contacts, sales and payables so you can optimise your system to help your business thrive. Fine-tune your set-up, or convert from another accounting program Manage daily activities with contacts, accounts, sales and payables Master weekly and monthly reporting routines Track inventory, monitor your business and get the most out of Xero You didn't start your business in order to become an accountant, but bookkeeping is critically important to the short- and long-term health of your company. Xero simplifies the process and saves you time, and Xero For Dummies helps you leverage every feature Xero has to offer.
The 2008 edition of CIMA's Official Learning Systems has been written in conjunction with the Examiner to fully reflect what could be tested in the exam. Fully revised and now in 2 colour, paperback format, the 2008 Learning Systems provide complete study material for the May and November 2008 exams This edition maintains the popular loose-leaf format and contains: * Assessment of CIMA Matrix * Analysis of past cases * How to approach the TOPCIMA exam * topic summaries * recommended reading articles from a range of journals * 2007 Q & A's CIMA Learning Systmes are the only study materials endorsed and recomended by CIMA * The Official Learning Systems are the only study materials endorsed by CIMA * Updated to reflect the new assessment matrix with key sections written by the case study writer * Complete integrated package incorporating TOPCIMA guidance, advice on how to tackle the case study, and case study practice
Megan Roberts, a stunning young elementary school teacher, arrives in town to make a new life after an unexpected breakup. The last thing she is looking for is a new love. The green-eyed darling catches the attention of the infamous, small town wild man, Shane Cash. His striking looks attract the attention of all the women in town, but his eye has turned in a new direction. He's torn between his reputation and his feelings. After an unforgettable night together turns into a nightmare, these two find themselves on the run. The situation is compounded when they realize they are falling in love with one another. Will this teacher be able to tame him or will he teach the quiet, lovely Megan to walk on the wild side? As a web of deceit is woven and one is led away in handcuffs, can the other untangle the mystery and learn to forgive?
This is a pedagogically innovative and interactive corporate finance textbook which, as well as offering an in-depth examination of the key areas of the corporate finance syllabus, incorporates interesting, topical examples and cases, bringing real life to bear on the concepts presented, and creating a lively, engaging learning tool.
When the rules no longer apply, how do you keep your head in the game? Wyatt has a three-part Plan for Life, and it starts now, at the beginning of seventh grade, with tryouts for his local travel baseball team. A biracial kid in a mostly white town, he’s always felt like a bit of an outsider. The baseball field is the only place where he feels like he truly belongs. If he can just make the team, everything else will fall into place: school, friends, even his relationship with his often-distant dad. But after upsetting incidents at tryouts, something inexplicable happens: wisps of smoke form around Wyatt. As Wyatt tries to figure out what’s causing this mysterious smoke and how to control it, he discovers it’s connected to a painful family history. The more he learns, the more Wyatt begins to question the rules he’s always followed to fit in. With tensions rising at school and on the field, can he face the injustices of the past while keeping his cool in the present?
This is a pedagogically innovative and interactive corporate finance textbook which, as well as offering an in-depth examination of the key areas of the corporate finance syllabus, incorporates interesting, topical examples and cases, bringing real life to bear on the concepts presented, and creating a lively, engaging learning tool.
The only book of its kind, Front Office Management for the Veterinary Team focuses on the day-to-day duties of the veterinary team. It offers a complete guide to scheduling appointments, billing and accounting, communicating effectively and compassionately with clients, managing medical records, budgeting, marketing your practice, managing inventory, using outside diagnostic laboratory services, and much more. Written by Heather Prendergast, RVT, CVPM, this manual simplifies essential tasks with step-by-step instructions! Exercises on the Evolve website offer additional practice with front office tasks. Interactive working forms give you experience completing sample checks, deposit slips, patient history forms, and incident reports. The latest information on electronic banking and tax forms ensures that you adhere to the most current financial guidelines. What Would You Do/Not Do boxes provide scenarios to expose you to real-life situations that occur in veterinary practice and guide you through to an appropriate resolution. Review questions test your understanding of concepts presented in each chapter. Practice Point boxes highlight practical information to remember while on the job. Veterinary Practice and the Law boxes provide essential information about laws that you must know in order to run an ethical practice and to protect the practice. Key terms and learning objectives guide you through study of the most important content.
Master Xero in a flash to streamline accounting and manage more effectively Xero For Dummies is a user-friendly guide to the accounting software that's revolutionising the industry. Whether you're setting up Xero from scratch, converting to Xero from another accounting software, or just want to get more out of Xero, this book provides an in-depth understanding of how the software works, and how to use it to manage your business more effectively. This second edition has been updated to cover the new and improved features, including better file storage, purchase order, and report generation, extended coverage of the Xero add-on ecosystem, and more, with all new screenshots that show you exactly what to do. You'll learn how to automatically import and code bank transactions, set up accounts, customers, and suppliers, synchronise data, and generate reports that give you the information you need to manage your business more effectively. Xero has changed the game in the accounting software industry. Their completely cloud-based single ledger system allows business owners to monitor their financial position in real time, and eliminates the need for endless data entry, backups, and software upgrades. Xero For Dummies is the only Xero-endorsed guide to getting the most out of the software, walking you through the basics to advanced use. Save time reconciling with automatic imports and intuitive coding Manage inventory, customers, suppliers, and more Simplify accounts and deal with multi-currency transactions Synchronise data seamlessly across multiple business platforms From setting up your accounting system through to more detailed operational usage, this book contains tried-and-tested techniques that will help you optimise revenue, profits, and cash flow. Xero can streamline your accounting process and help you be a better manager — to wield it effectively, Xero For Dummies is the complete, informative guide you need.
Incorporate economic moat analysis for profitable investing Why Moats Matter is a comprehensive guide to finding great companies with economic moats, or competitive advantages. This book explains the investment approach used by Morningstar, Inc., and includes a free trial to Morningstar's Research. Economic moats—or sustainable competitive advantages—protect companies from competitors. Legendary investor Warren Buffett devised the economic moat concept. Morningstar has made it the foundation of a successful stock-investing philosophy. Morningstar views investing in the most fundamental sense: For Morningstar, investing is about holding shares in great businesses for long periods of time. How can investors tell a great business from a poor one? A great business can fend off competition and earn high returns on capital for many years to come. The key to finding these great companies is identifying economic moats that stem from at least one of five sources of competitive advantage—cost advantage, intangible assets, switching costs, efficient scale, and network effect. Each source is explored in depth throughout this book. Even better than finding a great business is finding one at a great price. The stock market affords virtually unlimited opportunities to track prices and buy or sell securities at any hour of the day or night. But looking past that noise and understanding the value of a business's underlying cash flows is the key to successful long-term investing. When investors focus on a company's fundamental value relative to its stock price, and not where the stock price sits today versus a month ago, a day ago, or five minutes ago, investors start to think like owners, not traders. And thinking like an owner will makes readers better investors. The book provides a fundamental framework for successful long-term investing. The book helps investors answer two key questions: How can investors identify a great business, and when should investors buy that business to maximize return? Using fundamental moat and valuation analysis has led to superior risk-adjusted returns and made Morningstar analysts some of the industry's top stock-pickers. In this book, Morningstar shares the ins and outs of its moat-driven investment philosophy, which readers can use to identify great stock picks for their own portfolios.
Running a Restaurant For Dummies (9781119605454) was previously published as Running a Restaurant For Dummies (9781118027929). While this version features a new Dummies cover and design, the content is the same as the prior release and should not be considered a new or updated product. The easy way to successfully run a profitable restaurant Millions of Americans dream of owning and running their own restaurant — because they want to be their own boss, because their cooking always draws raves, or just because they love food. Running a Restaurant For Dummies covers every aspect of getting started for aspiring restaurateurs. From setting up a business plan and finding financing, to designing a menu and dining room, you'll find all the advice you need to start and run a successful restaurant. Even if you don't know anything about cooking or running a business, you might still have a great idea for a restaurant — and this handy guide will show you how to make your dream a reality. If you already own a restaurant, but want to see it get more successful, Running a Restaurant For Dummies offers unbeatable tips and advice for bringing in hungry customers. From start to finish, you'll learn everything you need to know to succeed. New information on designing, re-designing, and equipping a restaurant with all the essentials—from the back of the house to the front of the house Determining whether to rent or buy restaurant property Updated information on setting up a bar and managing the wine list Profitable pointers on improving the bottom line The latest and greatest marketing and publicity options in a social-media world Managing and retaining key staff New and updated information on menu creation and the implementation of Federal labeling (when applicable), as well as infusing local, healthy, alternative cuisine to menu planning Running a Restaurant For Dummies gives you the scoop on the latest trends that chefs and restaurant operators can implement in their new or existing restaurants.
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