However much money you have, if you are interested in being in control of it, Your Money 2019-20 is here to help. Endorsed by the Chartered Institute of Securities and Investments (CISI), and written by personal finance expert and executive coach Jeannette Lichner, this handy guide answers all the questions you were afraid to ask about financial affairs in a down to earth and practical way. Do I need to know about pensions? What's interest, and how is it worked out? What do the numbers on my payslip mean? Where and how can I borrow money? How does an overdraft work? All these questions and more are explained in simple terms in this comprehensive handbook. Packed with top tips, up-to-date numbers on UK tax allowances and thresholds, and useful exercises to help you understand your own money motivations and apply the rules to your own life, Your Money 2019-20 is everything you need to start making great financial decisions.
This textbook provides a hands-on and intuitive overview of the methodological foundations of experimental economics. Experimental economic research has been an integral part of economic science for quite some time and is gaining more and more attention in related disciplines. The book addresses the design and execution of experiments, the evaluation of experimental data and the equipment of an experimental laboratory. It illustrates the challenges involved in designing and conducting experiments and helps the reader to address them in practice.
This book provides teachers, librarians, and education methods professors with strategies, lesson plans, and activities that enable them to use literature as a springboard to social studies thematic instruction. With the amount of time and resources allocated to teaching social studies being significantly reduced, social studies lessons need to be incorporated into other subjects. Notable Books, Notable Lessons: Putting Social Studies Back in the K–8 Curriculum offers the tools to teach students social studies concepts that are increasingly relevant and essential in today's diverse, globalized world—lessons that are vital in order to prepare students to think critically and participate in our multicultural democracy. Providing information that elementary and middle school teachers and librarians, district-level curriculum directors and principals, staff developers, and social studies and literacy methods professors will find extremely useful, this book uses the National Council for the Social Studies (NCSS)/Children's Book Council (CBC)'s current and past lists of Notable Books at the elementary and middle school levels to offer easy-to-follow lesson plans that integrate social studies instruction with reading and language arts. The lesson plans pose compelling questions to facilitate discussion and critical thinking and suggest engaging activities that are connected to the social studies concepts. The book also includes sample student handouts for the selected pieces of literature.
The insolvency of states is by no means a rare or new phenomenon. Despite this, it still seems to be widely felt that states do not go bankrupt. As of yet, there are no regulated insolvency proceedings for states. This book examines the current mechanisms for solving sovereign debt crises. It presents an analysis of their weaknesses and shows possibilities for dealing with such crises in the future. In this respect, the work focusses on crisis resolution measures at European level: the aid packages for Greece, the European Financial Stabilisation Mechanism, the European Financial Stabilisation Facility and the European Stability Mechanism. These are examined for their appropriateness as well as whether they contain elements of insolvency law. Ultimately, it explores possible insolvency proceedings for states at EU level and their implementation options.
In 1989 I met Ron; it was love at first sight, which later became a nightmare. My life was one of devastating choices in order to survive. My children and I were ensnared in a trap of brutality that was hauntingly real. The decision I made in order to live one more day under tortuous circumstances prevented him from killing me allowing my children and me to survive. With one bag of food at my door I fed my kids for a week, we were literally without a dime. My strength and willful confidence kept us going and my children believed in me, that was what kept us alive. Today I can honestly say- Ive come a long way.
In early 2007, there were approximately 140 living wage ordinances in place throughout the United States. Communities around the country frequently debate new proposals of this sort. Additionally, as a result of ballot initiatives, twenty-nine states and the District of Columbia, representing nearly 70 percent of the total U.S. population, maintain minimum wage standards above those set by the federal minimum wage.In A Measure of Fairness, Robert Pollin, Mark Brenner, Jeannette Wicks-Lim, and Stephanie Luce assess how well living wage and minimum wage regulations in the United States serve the workers they are intended to help. Opponents of such measures assert that when faced with mandated increases in labor costs, businesses will either lay off workers, hire fewer low-wage employees in the future, replace low-credentialed workers with those having better qualifications or, finally, even relocate to avoid facing the increased costs being imposed on them.The authors give an overview of living wage and minimum wage implementation in Louisiana, New Mexico, Arizona, California, Massachusetts, and Connecticut to show how these policies play out in the paychecks of workers, in the halls of legislature, and in business ledgers. Based on a decade of research, this volume concludes that living wage laws and minimum wage increases have been effective policy interventions capable of bringing significant, if modest, benefits to the people they were intended to help.
Blockchain technology is a disruptive technology that affords businesspeople an opportunity to correct problems of dishonesty, corruption, and poor decision-making. This book crafts blockchain technology for the non-technical expert, to interpret the various applications of blockchain technology through the lens of various industries and creates opportunities for professionals using practical applications and case studies. Blockchain technology is an important platform for businesses to consider as it provides a consensus based, trusted, and transparent system for businesses to operate various critical functions. As such, this book is a first of its kind to take a deep dive into the application of blockchain technology in different sectors. Applications of blockchain technology is explored through understanding of implementation and configuring the use of blockchain technology in real business application. The book provides access to disseminate blockchain technology and its application in a clear and structured manner by assimilating real-world-cases by providing valuable information for business audiences for all business sectors.
Silver mining was a capitalist business long before the supposed origin of modern capitalism Hundreds of years before a sixteenth†‘century crisis in European agriculture led to the origins of capital, investment, and finance, the silver mining industry exhibited many of the features of modern capitalism. Silver mines were large†‘scale businesses that demanded large investments and steady cash flow, achieved by spreading that risk through fungible shares and creating legal structures to protect entrepreneurs from financial disaster. Jeannette Graulau argues that mining preceded agriculture as the first true capitalist enterprise of the modern world.
This text offers a teacher and student-friendly collection of lessons and activities that help educators use picture books to engage younger students in meaningful social studies activities and bring this critical subject back in elementary schools. In order for today's children to succeed as adults, they need a solid foundation of life skills inculcated at a young age. Social studies is key to building this critical knowledge, yet less attention is being paid to social studies in elementary schools as this subject becomes more essential. The authors of this text have a solution: use picture books as dual-purpose texts that fulfill more than just language arts needs, and take the time dedicated to those lessons to simultaneously teach social studies. Each chapter of this text is organized around one of the National Council for the Social Studies' Ten Thematic Strands, covering diverse and engaging topics ranging from community and individuality to science and technology. This book serves as a vital resource for classroom teachers, methods professors, staff developers, and curriculum writers who prioritize keeping social studies a part of the elementary school curriculum.
Sudden job loss can be difficult and stressfulto both the person let go and his or her family as well. In Upsizing in a Downsizing World, author Jeannette Chau describes her personal journey from job loss to employment, providing useful job search advice she learned along the way. Upsizing in a Downsizing World follows the entire process, from the moment of downsizing to landing a job again. Chau describes her experiences and discusses the important lessons she learned, including telling family; handling the job loss emotionally; dealing with finances; putting out a resume; utilizing networking; creating a personal brand; employing social media; learning the art of interviewing; changing careers; going back to school; maintaining perseverance. Chau provides a thoughtful look at the many tools, choices, and opportunities available to one after experiencing job loss, and she gives encouragement and empathy to those who face the same situation.
Achieve emotional, physical and financial balance for total well being in retirement. Nowhere are gender differences more prevalent than in the areas of money and finance. Added to this are the complexities associated with women and financial matters, and now, longevity is redefining retirement for women. Women control over 60% of the wealth in this country, yet few financial models consider the relevant issues specific to women-- particularly in understanding the impacts physical and emotional needs have on financial wealth. Over 90% of women feel financially insecure and half of those women report a fear of becoming financially destitute. Women are at greater financial risk due to longer life expectancy, lesser earnings, care-giving interruptions, and fewer retirement resources. Add to that, sudden life events such as widowhood, divorce, and job loss, which can wreak havoc on women's emotional and financial health. This book discusses the need for life planning and offers strategies for consideration for all women who desire to be financially independent and experience optimal well being. Bajalia focuses on the health/wealth connection to ensure women have a quality of life during the various stages of their retirement lives. She provides a guide for protecting and preserving the lifestyle we desire as women and shares insights on the emotional, physical and financial balance required for a dignified, empowering retirement. For women, IT'S NOT JUST ABOUT THE MONEY - IT'S ABOUT TOTAL WELL BEING.
Optimizing Human Capital with a Strategic Project Office explores the SPO's potential to transform an enterprise by making the most of people within an organization. This volume provides an exhaustive review of topics such as the hiring, retention, measurement, training, and professional development of knowledge workers in project management
A triumphant tale of a young woman and her difficult childhood, The Glass Castle is a remarkable memoir of resilience, redemption, and a revelatory look into a family at once deeply dysfunctional and wonderfully vibrant. Jeannette Walls was the second of four children raised by anti-institutional parents in a household of extremes.
Two motherless sisters--Bean and Liz--are shuttled to Virginia, where their Uncle Tinsley lives in the decaying mansion that's been in their family for generations. When school starts in the fall, Bean easily adjusts and makes friends, and Liz becomes increasingly withdrawn. Then something happens to Liz and Bean is left to challenge the injustice of the adult world.
Sylvia, a young Amish woman, knows about hard work on a farm. After an unfortunate incident on the farm, she finds herself alone and expecting her first child after the death of her husband. She works the farm alone and finds that she cannot handle the workload on her own. Despite possible backlash from the Amish community, she hires a farmhand. Will she win back acceptance by the Amish community? Will the hired hand leave the farm in shambles?
For many of us, perfectionism can bring life's most desired rewards. But when the obsessive need for perfection and control gets in the way of our professional and emotional lives, the cost becomes too high. Although many of us appear cool and confident on the outside, inside we are in emotional turmoil, trying to satisfy everyone, attempting to direct the future, and feeling that we are failing. In TOO PERFECT, Dr. Allan Mallinger draws on twenty years of research and observations from his private practice to show how perfectionism can sap energy, complicate even the simplest decisions, and take the enjoyment out of life. For workaholics or neat freaks, for anyone who fears change or making mistakes, needs rigid rules, is excessively frugal or obstinate, TOO PERFECT offers revealing self-tests, fascinating case histories, and practical strategies to help us overcome obsessiveness and reclaim our right to happiness.
When four women are found brutally murdered and shockingly posed on park benches throughout the city over several months, Martine's boss fears a PR disaster for the still busy tourist season, and Martine is now also tasked with acting as liaison between the mayor and the police department. Martine is paired with a young detective, Julian Fletcher, and together they dig deep into the city's and the country's past, only to uncover a dark secret dating back to the 1950s, when orphanages in Montreal and elsewhere were converted to asylums in order to gain more funding. The children were subjected to horrific experiments such as lobotomies, electroshock therapy, and psychotropic medication, and many of them died in the process. The survivors were supposedly compensated for their trauma by the government and the cases seem to have been settled. So who is bearing a grudge now, and why did these four women have to die? Print run 20,000.
TAKE ONE CURIOUS AND FEISTY LITTLE GIRL from New Brunswick, transplant her to Montreal, dress her in a Red River coat, add a dollop of St. Urbain Street (including a stink bomb throwing Mordecai Richler), mix in Jewish and Protestant neighbours and the stern Catholic nuns and you have a recipe for adventure and more than a few hijinks. Before Sliced Bread will take you across Canada on the journey of a lifetime, a lifetime of family, friends, history and food - Acadian, Newfoundland and Quebecois. This memoir is enriched with traditional recipes, which will delight both the palate and the eye, with beautifully rendered professional photographs by the author. Before Sliced Bread is a tour de force by a dynamic woman who engages life fully and reminds us all to carpe diem - seize the day.
Eagle Eyes—the Development of Aerial Reconnaissance in the United States encompasses the amazing history of how the U.S. developed its most potent weapon, along with the aircraft, methods and tools that carried the load. Beginning with the start of the Civil War and the use of balloons as a method of finding out what the enemy was doing, aerial reconnaissance came into its own. The U.S. learned much of what it needed from the British Intelligence during WWI and WWII. From there, the United States developed its awe inspiring tactics of how to get the “goods” on the enemy. Through WWI, WWII, Korea, Vietnam and the current hot bed of the Mid-East, aerial reconnaissance has been the means to a most critical end. Eagle Eyes explores the development of not only the aircraft, but the methods for image interpretation. Cameras, film T.V. and satellites are all a part of this mosaic of U.S. Intelligence gathering. It also looks at the very near future of the next high speed, stealth aircraft and how drones developed from a loitering camera in the sky, to a killing machine. Eagle Eyes is a fascinating look at a critical and important part of the U.S. intelligence gathering operations.
With a foreword by internationally acclaimed speaker-trainer Les Brown, Breakthrough Solution is an informative, fun, straightforward book that will arm you with a powerful 7-step strategy for attracting greater professional success and personal satisfaction. It is jam-packed with step-by-step instructions, exercises, assessments, case-studies, quotes, templates, and resources. But you'll get much more...This book comes with the coach! Jeannette will host empowering weekly coaching sessions to catapult you to new heights in your life. The information is priceless, the coaching sessions are FREE as part of her commitment to your success. Breakthrough Solution teaches a unique success formula, so you can learn how to attract the career opportunities you crave without compromising the lifestyle you deserve. The book will show you how to... Gain clarity of purpose and increase confidence Improve performance outside your current comfort zone Learn how to create winning attitudes to stay motivated and positive Hone your resume, bio, networking skills and interviewing abilities so you can take advantage of new opportunities or improve existing ones Have more time to enjoy a balanced lifestyle while achieving greater professional success Create a career that showcases your talents and captures your passion Proactively and intuitively become positioned to meet future needs in the workplace that are driven by industry trends, market conditions and personal objectives Expand the scope of diverse career opportunities that are aligned with your interests, skills, values, needs and desires Get the tools and support you need to find the work you love If you understand your purpose, believe in your dreams and are achieving your goals, imagine where that will allow you to take your life...
When two curious biologists seek a new home in a remote part of Tanzania called Mangola, they find adventures in abundance. They are greeted with dramatic scenery, red-dust whirlwinds, a lush oasis, bad roads, and a striking cast of colorful characters. This fascinating memoir about an intrepid, homesteading couple tells the story of the people they met—foragers, herders, farmers, anthropologists, government officials, and tourists. With humor, pathos and vivid illustrations, they show how they survived and flourished by learning the ways of their fellow pioneer villagers.
These stories offer us an introduction to the complex oral traditions of the varied civilizations of one of the world's most fascinating regions. Exotic, clever, and poignant, Asian-Pacific Folktales and Legends invites you into a magically distinctive world. Originating from the far corners of the globe—China, Korea, Japan, Thailand, the Philippines, Vietnam, Indonesia, and Malaysia—these tales teach us about morality and mysticism in enchanting ways. Organized by universal folkloric themes, Asian-Pacific Folktales and Legends features animal stories, tales of magical skill, explanations of how things came to be the way they are, delightful depictions of the clever and the foolish, ghosts and supernatural beings, and legends about heroes and gods. From "The Supernatural Crossbow," a Vietnamese tale, to the Malaysian story of "The Man in the Moon," each piece in this collection explores a self-contained, dreamlike universe that both delights and transports the reader. Shaped by the geographical and cultural influences of a people, these stories offer us an introduction to the complex oral traditions of the varied civilizations of one of the world's most fascinating regions.
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