From 1998 to 2018, people who managed their own investments yielded a paltry 1.9 percent return. Why do so many think they can strike investment gold but wind up with such disappointing results? In Tilting the Odds, Mark Tepper, CFP® and president and CEO of Strategic Wealth Partners, shows you how to avoid the pitfalls common to many do-it-yourself investors. You'll learn the investment edge process, which is rooted in a well-balanced risk-reward profile. Rather than strike it rich or make money fast, the goal of the investment edge process is to create long-term success. By following the investment edge process, you'll increase your ability to control your reactions to the ups and downs of the stock market. Instead of succumbing to the failures that lead to poor investment results, you'll learn to skillfully manage risk. If you're ready to improve the investment decisions that affect your financial life most, Tilting the Odds is your essential guide.
The essential guide to selling your business—and walking away with maximum wealth Nearly every entrepreneur dreams of one day selling their business for big bucks, but far too many aren’t aware of exactly what it takes to do so. The sobering truth is that it’s very easy for the entrepreneurs who don’t know what they’re doing to walk away from a sale without the financial freedom they hoped for. In fact, only about 20 percent of businesses for sale will successfully transfer to another owner! In Walk Away Wealthy, Mark Tepper--a leading authority on wealth management and financial planning for entrepreneurs--shows you how to build a strong exit plan, an absolute requirement if you hope to get the full value from a sale. Tepper’s twelve secrets debunk myths and deliver practical advice as he walks you through what most people don’t know (or refuse to believe) about the process of planning their exit. And although it’s best to start planning the exit as early as possible, the book also delivers advice for those who may have waited too long and feel lost in the face of a rapidly approaching sale. Selling the business you worked so hard to build can be a confusing and intimidating proposition. Let Mark Tepper clear away the misconceptions, steer you clear of common mistakes, and help you walk away wealthy!
Are you a high net worth individual? Then the wealth management rules are different for you. Mark Tepper rightly assures us that we should all consider ourselves wealthy if we have the resources to live the lives we want to live without compromise. However, if you fall into one of his higher-net-worth categories, you will find that Exceptional Wealth is speaking directly to you. Tepper, author of the acclaimed Walk Away Wealthy, stresses that if you are someone with a high net worth, you have to realize that managing your wealth is complex. He clearly outlines key steps and sophisticated strategies that experienced professional financial advisors should be implementing for you. Each high net worth individual has unique and different forms of wealth, investments, and objectives. Consequently, individual and special family needs demand specifically tailored financial plans and approaches. Good investment management might have made you wealthy, but Tepper solidly brings home the point that only proper wealth management will keep you wealthy. Those whose wealth exceeds $1,000,000 will likely benefit most from the keys and myths that Tepper outlines, but this book is relevant for anyone looking to take the next step in wealth accumulation and preservation. The bottom line, as Tepper advises, is the following: Prosperous individuals require a higher level of sophistication when it comes to optimizing their financial affairs.
This handbook covers the widest possible range of organizational misbehaviors (age, race, and gender discrimination, abuse, bullying, aggression, violence, fraud and corruption), all with an eye toward the effects on individual and organizational health and well-being. It is the first-ever single-source resource on this important topic.
At the time of Christ, world politics was an ebb and flow of colliding empires and forces. The world knew only dynastic succession and rule by force. Israel was swept up in this world. Her expectations of deliverance, while diverse, had in common the anticipation of violent liberation by an alliance of God, the expected one (Theo), and Israel’s forces. Her vision included the subjugation of the world to Yahweh. Any messianic claimant would be expected to fulfill this hope. Mark’s story of Jesus must be read against such expectations of military power. Mark knows that Jesus’ plan of salvation differed radically from this. Rather than liberation through revolution, it involved deliverance through humble, loving service and cross-bearing. However, the disciples follow Jesus but do not understand Jesus’ purpose. They constantly expect war. So, the Gospel is then read from Mark’s full understanding and the disciples’ flawed perspective. In this first volume of Jesus in a World of Colliding Empires, Keown backgrounds Mark and the political situations of the world at the time. He then unpacks Mark 1:1—8:29 as Jesus seeks to show the disciples he is Messiah while drawing out the deep irony of their incomprehension.
The essential guide to selling your business—and walking away with maximum wealth Nearly every entrepreneur dreams of one day selling their business for big bucks, but far too many aren’t aware of exactly what it takes to do so. The sobering truth is that it’s very easy for the entrepreneurs who don’t know what they’re doing to walk away from a sale without the financial freedom they hoped for. In fact, only about 20 percent of businesses for sale will successfully transfer to another owner! In Walk Away Wealthy, Mark Tepper--a leading authority on wealth management and financial planning for entrepreneurs--shows you how to build a strong exit plan, an absolute requirement if you hope to get the full value from a sale. Tepper’s twelve secrets debunk myths and deliver practical advice as he walks you through what most people don’t know (or refuse to believe) about the process of planning their exit. And although it’s best to start planning the exit as early as possible, the book also delivers advice for those who may have waited too long and feel lost in the face of a rapidly approaching sale. Selling the business you worked so hard to build can be a confusing and intimidating proposition. Let Mark Tepper clear away the misconceptions, steer you clear of common mistakes, and help you walk away wealthy!
More than two million child abuse reports are filed annually on behalf of children in the United States. Each of the reported children becomes a concern, at least temporarily, of the professional who files the report, and each family is assessed by additional professionals. A substantial number of children in these families will subsequently enter foster care. Until now, the relationships between the performance of our child welfare system and the growth and outcomes of foster care have not been understood. In an effort to clarify them, Barth and his colleagues have synthesized the results of their longitudinal study in California of the paths taken by children after the initial abuse report: foster care, a return to their homes, or placement for adoption. Because of the outcomes of child welfare services in California have national significance, this is far more than a regional study. It provides a comprehensive picture of children's experiences in the child welfare system and a gauge of the effectiveness of that system. The policy implications of the California study have bearing on major federal and state initiatives to prevent child abuse and reduce unnecessary foster and group home care.
For more than 30 years, the highly regarded Secrets Series® has provided students and practitioners in all areas of health care with concise, focused, and engaging resources for quick reference and exam review. Written by Drs. Richard A. Polin and Mark F. Ditmar, Pediatric Secrets, 7th Edition, features the Secrets’ popular question-and-answer format that also includes lists, tables, pearls, memory aids, and an easy-to-read style – making inquiry, reference, and review quick, easy, and enjoyable. The proven Secrets Series® format gives you the most return for your time – succinct, easy to read, engaging, and highly effective. Fully revised and updated throughout, including protocols and guidelines that are continuously evolving and that increasingly dictate best practices. Practical, up-to-date coverage of the full range of essential topics in the practice of pediatrics. Top 100 Secrets and Key Points boxes provide a fast overview of the secrets you must know for success in practice and on exams. Features bulleted lists, mnemonics, practical tips from leaders in the field – all providing a concise overview of important board-relevant content. Portable size makes it easy to carry with you for quick reference or review anywhere, anytime.
Now in a fully revised and updated third edition, this essential textbook introduces the fundamentals of sport finance and sound financial management in the sport industry. It is still the only textbook to explain every aspect of finance from the perspective of the sport management practitioner, explaining key concepts and showing how to apply them in practice in the context of sport. The text begins by covering finance basics and the tools and techniques of financial quantification, using industry examples to apply the principles of financial management to sport. It then goes further, to show how financial management works specifically in the sport industry. Discussions include interpreting financial statements, debt and equity financing, capital budgeting, facility financing, economic impact, risk and return, time value of money, and more. The final part of the book examines financial management in four sectors of the industry: public sector sport, collegiate athletics, professional sport, and international sport. It provides an in-depth analysis of the mechanics of financial management within each of these sport sectors. Useful features, such as sidebars, concept checks, practice problems, case analysis and case questions will help students engage more deeply with financial techniques and encourage problem-solving skills. This new edition includes a completely new chapter on international sport, reflecting the globalized nature of the modern sport industry, as well expanded coverage of current issues such as digital media finance, recent legal cases affecting collegiate sport, and the central importance of collective bargaining. Financial Management in the Sport Industry is an essential textbook for any undergraduate or postgraduate course in sport finance, and an invaluable supplement to any course in sport business or sport management. It is also an important reference for all sport management practitioners looking to improve their understanding of finance. The book is accompanied by updated and expanded ancillary materials, including an instructor’s manual, PowerPoint slides, and an image bank.
This book offers a critical analysis of consumer credit markets and the growth of outstanding debt, presenting in-depth interview material to explore the phenomenon of mass indebtedness through the life trajectories of self-identified debtors struggling with the pressures of owing money. A rich and original qualitative study of the close relationship between financial capitalism, consumer aspirations, social exclusion and the proliferation of personal indebtedness, The Dark Side of Prosperity examines questions of social identity, subjectivity and consumer motivation in close connection with the socio-cultural ideals of an ‘enjoyment society’ that binds the value of the lives of individuals to the endless acquisition and disposal of pecuniary resources and lifestyle symbols. Critically engaging with the work of Giddens, Beck and Bauman, this volume draws on the thought of contemporary philosophers including Žižek, Badiou and Rancière to consider the possibility that the expansion of outstanding consumer credit, despite its many consequences, may be integral to the construction of social identity in a radically indeterminate and increasingly divided society. A ground-breaking work of critical social research this book will appeal to scholars of social theory, contemporary philosophy and political and economic sociology, as well as those with interests in consumer credit and cultures of indebtedness.
Written by the great medieval Jewish philosopher Maimonides, The Guide of the Perplexed attempts to explain the perplexities of biblical language—and apparent inconsistencies in the text—in the light of philosophy and scientific reason. Composed as a letter to a student, The Guide aims to harmonize Aristotelian principles with the Hebrew Bible and argues that God must be understood as both unified and incorporeal. Engaging both contemporary and ancient scholars, Maimonides fluidly moves from cosmology to the problem of evil to the end goal of human happiness. His intellectual breadth and openness makes The Guide a lasting model of creative synthesis in biblical studies and philosophical theology.
While we have become increasingly vulnerable to the ebb and flow of global finance, most of us know very little about it. This book focuses on the role of technology in global finance and reflects on the ethical and societal meaning and impact of financial information and communication technologies (ICTs). Exploring the history, metaphysics, and geography of money, algorithms, and electronic currencies, the author argues that financial ICTs contribute to impersonal, disengaged, placeless, and objectifying relations, and that in the context of globalization these 'distancing' effects render it increasingly difficult to exercise and ascribe responsibility. Caught in the currents of capital, it seems that both experts and lay people have lost control and lack sufficient knowledge of what they are doing. There is too much epistemic, social, and moral distance. At the same time, the book also shows that these electronically mediated developments do not render global finance merely 'virtual', for its technological practices remain material and place-bound, and the ethical and social vulnerabilities they create are no less real. Moreover, understood in terms of technological practices, global finance remains human through and through, and there is no technological determinism. Therefore, Money Machines also examines the ways in which contemporary techno-financial developments can be resisted or re-oriented in a morally and socially responsible direction - not without, but with technology. As such, it will appeal to philosophers and scholars across the humanities and the social sciences with interests in science and technology, finance, ethics and questions of responsibility.
Principles and possibilities to inform and inspire caring in your leadership practices! Do you feel like something is missing in today’s schools? Do you feel student success is too focused on academic accountability, test scores, and college readiness? Recalibrate your leadership with the help of this book to promote the practice of caring which, with academic rigor, is essential to effective schooling. Caring School Leadership is a research-based collection of ideas, principles, and values illustrated with numerous examples and stories that will inform, inspire, and guide you. Evaluate your current leadership practice and evolve to lead in the way to which you aspire. In addition to insights and lessons about caring from educators and human service professions like nursing and ministry, readers will be introduced to themes of · Caring in interpersonal relationships with students · Cultivating schools as caring environments · Fostering caring in families and communities
Gender Differences in Metabolism: Practical and Nutritional Implications is the first book to successfully integrate nutritional science, exercise physiology/medicine, and metabolism. This volume explores recent scientific evidence that male and female athletes exhibit different metabolic responses and, therefore, differ in their nutritional needs and advice. Anyone interested in good health, exercise, and nutrition will find this book a valuable resource.
This accessibly written book examines the most commonly used substances and techniques for managing pain, exploring why they work (or don't), their risks and benefits, and key research findings regarding their use. No one is a stranger to pain. From sudden injuries to post-operative discomfort to nagging aches and stiffness, pain is an unwelcome but familiar part of life. There are numerous methods for managing pain, but it can be difficult to know which is the best fit and to separate truth from hype. Pain Management: Fact versus Fiction examines 30 well-known options for combating pain, whether acute or chronic. Utilizing a standardized structure, each entry discusses a particular substance or technique's origins and underlying principles, how and in what context it's used, and its advantages and disadvantages. Summaries of key research studies are included to help readers better determine which treatments may be a good choice for them. Introductory materials give readers a foundational understanding of what pain is, how it's categorized and measured, and the impact it can have on individualS&Rsquo; physical and psychological well-being. A Further Reading section at the end of each entry points readers toward additional resources to expand and deepen their knowledge.
Down comes a deluge of sonorous hail, Or prone-descending rain. Wide-rent, the clouds Pour a whole flood, and yet, its flame unquenched, Th’unconquerable lightning struggles through. Ragged and fierce, or in red whirling balls, And fires the mountains with redoubled rage. Black from the stroke, above, the smould’ring pine Stands a sad shattered trunk; and, stretched below, A lifeless group the blasted cattle lie. James Thompson, “The Seasons” (1727) have been investigating ball lightning for more than two decades. I published a ball lightning report in Nature in 1976 that received worldwide publicity and I consequently many people wrote to me with accounts of their own experiences. Within a very short time, I had accumulated about 200 firsthand accounts, and the file has continued to grow steadily since then. Several things impressed me. Few of those who wrote to me had any detailed foreknowledge of ball lightning at the time of their observation. Nonetheless, once reports of other phenomena such as St. Elmo’s fire had been eliminated, the remaining descriptions were remarkably consistent. Furthermore, nearly all who contacted me were keen to have an explanation of what they had seen and seemed entirely sincere.
The sexual lives of people with disabilities are rarely discussed. It is as if, because someone has a biological or psychological impairment, they do not exist as a sexual being. As such, many people with disabilities feel marginalised and powerless not only in their day-to-day lives, but also in their ability to form sexual relationships. A range of health issues are raised as a result. Illustrated by research drawn from a range of international contexts, Disability and Sexual Health: A Critical Exploration of Key Issues is the first to examine this important but seldom acknowledged issue. Beginning with an understanding of how both disability and sexuality are socially defined phenomena, the book discusses the implications for the sexual health of people with disabilities, from sexual health education and access to information to STDs and possible sexual exploitation. The book concludes with a chapter recommending inclusive practice in line with the aims of the UN Convention on the Rights of People with Disabilities. Disability and Sexual Health will be important reading for researchers and students in health psychology, critical psychology and the psychology of sexuality, gender, disability and nursing. It will also be of interest to professionals working with people with disabilities in health care and social work.
This comprehensive and cutting-edge book portrays a vision of how digital media can help transform schools, and what kinds of curriculum pedagogy, assessment, infrastructure, and learning environments are necessary for the transformation to take place. The author and his research team spent thousands of hours observing classes and interviewing teachers and students in both successful and unsuccessful technology-rich schools throughout the United States and other countries. Featuring lessons learned as well as analysis of the most up-to-date research, they offer a welcome response to simplistic approaches that either deny the potential of technology or exaggerate its ability to reform education simply by its presence in schools. Challenging conventional wisdom about technology and education, Learning in the Cloud: critically examines concepts such as the "digital divide," "21st-century skills," and "guide on the side" for assessing and guiding efforts to improve schools; combines a compelling vision of technology's potential to transform learning with an insightful analysis of the curricular challenges required for meaningful change; and discusses the most recent trends in media and learning, such as the potential of tablets and e-reading.
This wide-ranging, two-volume encyclopedia of musicals old and new will captivate young fans—and prove invaluable to those contemplating staging a musical production. Written with high school students in mind, The World of Musicals: An Encyclopedia of Stage, Screen, and Song encompasses not only Broadway and film musicals, but also made-for-television musicals, a genre that has been largely ignored. The two volumes cover significant musicals in easily accessible entries that offer both useful information and fun facts. Each entry lists the work's writers, composers, directors, choreographers, and cast, and includes a song list, a synopsis, and descriptions of the original production and important revivals or remakes. Biographical entries share the stories of some of the brightest and most celebrated talents in the business. The encyclopedia will undoubtedly ignite and feed student interest in musical theatre. At the same time, it will prove a wonderful resource for teachers or community theatre directors charged with selecting and producing shows. In fact, anyone interested in theatre, film, television, or music will be fascinated by the work's tantalizing bits of historical and theatre trivia.
Published with the developer in mind, firstPress technical briefs explore emerging technologies that have the potential to be critical for tomorrow's industry. Apress keeps developers one step ahead by presenting key information as early as possible in a PDF of 150 pages or less. Explore the future through Apress with Spring Persistence—A Running Start. This firstPress title gets readers rolling with the various fundamental Spring Framework Java Persistence concepts and offerings, as well as proven design patterns for integrating Spring Persistence functionality for complex and transaction–based enterprise Java applications. The Java platform offers several options for saving “long–lived” information, including JPA (Java Persistence API), Hibernate, iBatis, JDBC, and even JCR (Java Content Repository—a standard for interfacing with a content management system). This book helps readers decide which persistence solution is the most ideal for their application requirements, and shows how Spring can be leveraged to simplify the integration of their selected persistence framework into their enterprise application.
He follows the twists and turns of this story from Niebuhr's Christian realist positions of the 1940s, through Protestant participation in the complex social movements of the 1950s and 1960s, to the emergence of various liberation theologies - African American, feminist, Latin American, and others - that used C&C as a central arena of debate in the 1970s and 1980s.
Michiko Kakutani, The New York Times: "Those hungry for political news will read Double Down for the scooplets and insidery glimpses it serves up about the two campaigns, and the clues it offers about the positioning already going on among Republicans and Democrats for 2016 ... The book testifies to its authors’ energetic legwork and insider access... creating a novelistic narrative that provides a you-are-there immediacy... They succeed in taking readers interested in the backstabbing and backstage maneuvering of the 2012 campaign behind the curtains, providing a tactile... sense of what it looked like from the inside." In their runaway bestseller Game Change, Mark Halperin and John Heilemann captured the full drama of Barack Obama’s improbable, dazzling victory over the Clintons, John McCain, and Sarah Palin. With the same masterly reporting, unparalleled access, and narrative skill, Double Down picks up the story in the Oval Office, where the president is beset by crises both inherited and unforeseen—facing defiance from his political foes, disenchantment from the voters, disdain from the nation’s powerful money machers, and dysfunction within the West Wing. As 2012 looms, leaders of the Republican Party, salivating over Obama’s political fragility, see a chance to wrest back control of the White House—and the country. So how did the Republicans screw it up? How did Obama survive the onslaught of super PACs and defy the predictions of a one-term presidency? Double Down follows the gaudy carnival of GOP contenders—ambitious and flawed, famous and infamous, charismatic and cartoonish—as Mitt Romney, the straitlaced, can-do, gaffe-prone multimillionaire from Massachusetts, scraped and scratched his way to the nomination. Double Down exposes blunders, scuffles, and machinations far beyond the klieg lights of the campaign trail: Obama storming out of a White House meeting with his high command after accusing them of betrayal. Romney’s mind-set as he made his controversial “47 percent” comments. The real reasons New Jersey governor Chris Christie was never going to be Mitt’s running mate. The intervention held by the president’s staff to rescue their boss from political self-destruction. The way the tense détente between Obama and Bill Clinton morphed into political gold. And the answer to one of the campaign’s great mysteries—how did Clint Eastwood end up performing Dada dinner theater at the Republican convention? In Double Down, Mark Halperin and John Heilemann take the reader into back rooms and closed-door meetings, laying bare the secret history of the 2012 campaign for a panoramic account of an election that was as hard fought as it was lastingly consequential.
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