Knowing what to do with your money is more important than ever. Gitman/Joehnk/Billingsley's market-leading Personal Financial Planning, 13E, International Edition provides students with the tools, techniques, and understanding they need to define and achieve their financial goals. The book follows a life-cycle approach - addressing financial plans, assets, credit, insurance, investment, and retirement - as individuals and families progress through life. The latest updates reflect the most recent financial developments and research - from new tax laws and the latest financial data to professional financial advice that considers the impact of the recent global financial crisis. The 13th edition is packed with new information relevant to students - for example, changing spending habits for the better, knowing the right questions to ask a financial adviser, using tips on budgeting and planning for retirement, knowing what to look for when choosing a bank, knowing whether to buy or lease a car, knowing what's important when buying your first home, and choosing the right credit card. All-new features teach students to use today's critical financial tools and technology, including financial planning software. CFP[registered] practice questions provide valuable student practice. A complete support package, including CengageNOW online course management system, saves you time as you put the best in personal financial planning in students' hands.
In the midst of today's shifting financial environment and fast-paced, changing lives, it's more important than ever before that your students gain a solid foundation in personal financial planning. Gitman/Joehnk/Billingsley's market-leading PERSONAL FINANCIAL PLANNING, 12E provides students with the tools, techniques, and understanding they need to define and achieve their financial goals. The book follows a life-cycle approach -- addressing financial plans, assets, credit, insurance, investment, and retirement -- as individuals and families progress through a lifetime. The latest updates throughout this edition reflect the most recent financial developments and research -- from new tax laws and the latest financial data to professional financial advice that considers the impact of the recent global financial crisis. This edition's inviting new design incorporates opening vignettes, cases, and numerous examples from life with an integrated learning system to ensure understanding. Step-by-step features teach students to use today's most critical financial tools and technology, including financial planning software. CFP practice questions provide valuable student practice. A complete support package, including CengageNOW online course management system, saves you time as you put the best in personal financial planning in your students' hands. Important Notice: Media content referenced within the product description or the product text may not be available in the ebook version.
Arbitrage is central both to corporate risk management and to a wide range of investment strategies. Thousands of financial executives, managers, and sophisticated investors want to understand it, but most books on arbitrage are far too abstract and technical to serve their needs. Billingsley addresses this untapped market with the first accessible and realistic guide to the concepts and modern practice of arbitrage. It relies on intuition, not advanced math: readers will find basic algebra sufficient to understand it and begin using its methods. The author starts with a lucid introduction to the fundamentals of arbitrage, including the Laws of One Price and One Expected Return. Using realistic examples, he shows how to identify assets and portfolios ripe for exploitation: mispriced commodities, securities, misvalued currencies; interest rate differences; and more. You'll learn how to establish relative prices between underlying stock, puts, calls, and 'riskless' securities like Treasury bills -- and how these techniques support derivatives pricing and hedging. Billingsley then illuminates options pricing, the heart of modern risk management and financial engineering. He concludes with an accessible introduction to the Nobel-winning Modigliani-Miller theory, and its use in analyzing capital structure.
Created through a student-tested, faculty-approved review process with specific student and faculty input, PFIN2 is an engaging and accessible solution to accommodate the diverse lifestyles of today's learners at a value-based price. PFIN2 details all of your personal finance course content in a concise, approachable format. The book incorporates a solid life-cycle approach on reaching personal financial goals from planning, saving, investing, and buying a home and car to managing taxes and insurance. This edition incorporates the latest financial laws, developments, priorities and changes with step-by-step learning features and real examples to ensure you master today's most important personal finance skills. Important Notice: Media content referenced within the product description or the product text may not be available in the ebook version.
4LTR Press solutions give students the option to choose the format that best suits their learning preferences. This option is perfect for those students who focus on the textbook as their main course resource. Important Notice: Media content referenced within the product description or the product text may not be available in the ebook version.
4LTR Press solutions give students the option to choose the format that best suits their learning preferences. This option is perfect for those students who focus on the textbook as their main course resource. Important Notice: Media content referenced within the product description or the product text may not be available in the ebook version.
4LTR Press solutions give students the option to choose the format that best suits their learning preferences. This option is perfect for those students who focus on the textbook as their main course resource. Concise yet comprehensive chapters in a modern design present content in an engaging and accessible format, while Tear-Out Review Cards give students a portable study tool containing all of the pertinent information for class and test preparation. In addition, the text is completely up to date to reflect the most current financial and legal information. Important Notice: Media content referenced within the product description or the product text may not be available in the ebook version.
Theoretical Foundations of Functional Data Analysis, with an Introduction to Linear Operators provides a uniquely broad compendium of the key mathematical concepts and results that are relevant for the theoretical development of functional data analysis (FDA). The self–contained treatment of selected topics of functional analysis and operator theory includes reproducing kernel Hilbert spaces, singular value decomposition of compact operators on Hilbert spaces and perturbation theory for both self–adjoint and non self–adjoint operators. The probabilistic foundation for FDA is described from the perspective of random elements in Hilbert spaces as well as from the viewpoint of continuous time stochastic processes. Nonparametric estimation approaches including kernel and regularized smoothing are also introduced. These tools are then used to investigate the properties of estimators for the mean element, covariance operators, principal components, regression function and canonical correlations. A general treatment of canonical correlations in Hilbert spaces naturally leads to FDA formulations of factor analysis, regression, MANOVA and discriminant analysis. This book will provide a valuable reference for statisticians and other researchers interested in developing or understanding the mathematical aspects of FDA. It is also suitable for a graduate level special topics course.
Riotous Assemblies examines eighteenth- and early nineteenth-century England through the lens of popular disorder. Adrian Randall shows how conflicts and tensions in 'high' politics contributed to a potent national sense of freedom and right, giving ordinary people the confidence to respond vigorously to any threat to their customary liberties. He demonstrates how the rulers of eighteenth-century England were forced to manage disorder through a mixture of judicious theatre and periodic repression, and how economic and social transformation led to fundamental changes in the nature of popular protest.
Improve student behavior and motivation with this comprehensive resource Discipline in the Secondary Classroom: A Positive Approach to Behavior Management, 4th Edition is an insightful treatment of the always-challenging topic of discipline in the high school classroom. The newly revised edition of the book incorporates a renewed focus on classroom management plans, handling the use and misuse of electronic devices in the classroom, and adapting instruction for a virtual classroom setting. Discipline in the Secondary Classroom discusses other issues crucial to the successful management of secondary classrooms and include: • How behavior is learned • Managing student work • Managing the use of technology and electronic devices in the classroom • Active engagement strategies for teacher-directed instruction (both the physical classroom and the virtual classroom) • Corrective strategies for misbehavior and inattention • Maintaining a Cycle of Continuous Improvement to be a better teacher each year Perfect for grade 9 to 12 classroom teachers and educational administrators—including principals, assistant principals, staff development professionals, and consultants— Discipline in the Secondary Classroom constitutes an indispensable resource for anyone aiming to achieve a civil, safe, and fair classroom environment.
This is a revised and expanded edition of a successful graduate and reference text. The book is designed for a standard graduate course on probability theory, including some important applications. The new edition offers a detailed treatment of the core area of probability, and both structural and limit results are presented in detail. Compared to the first edition, the material and presentation are better highlighted; each chapter is improved and updated.
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