With easy-to-understand explanations and real-life examples, Management & Cost Accounting For Dummies provides students and trainees with the basic concepts, terminology and methods to identify, measure, analyse, interpret, and communicate accounting information in the context of managerial decision-making. Major topics include: cost behaviour cost analysis profit planning and control measures accounting for decentralized operations budgeting decisions ethical challenges in management and cost accounting
A valuable resource for students preparing for certification, registered accountants and auditors, and financial personnel in various businesses, this is the 9th updated edition of a classic auditing text. Integrating theory with practice and application, it is up-to-date with the field's recent and gradual transition from self-regulation to external auditing and supervision.
Develop the business skills necessary to succeed in massage therapy with help from respected massage educator and business owner, Sandy Fritz! With a user-friendly approach and comprehensive support tools, this authoritative guide delivers a working knowledge of essential concepts for employees or owners of a massage therapy practice and helps you prepare for the professional challenges that await you in the real world. - Renowned massage educator and business owner Sandy Fritz presents a practical, proven business philosophy for success in massage therapy practice. - Focus on need-to-know business skills for complete success as an employee or the owner of a massage therapy practice. - A companion CD with practice management software provides hands-on experience creating client records, setting appointments, entering documentation, and more. - Self-Reflection boxes put concepts into a realistic context through Sandy Fritz's personal experiences in massage practice. - Learning Activity boxes reinforce your understanding and challenge you to apply what you've learned in an engaging workbook format. - Good Stuff from the Government boxes alert you to helpful government resources and help you ensure compliance with federal regulations. - Mentor boxes provide real-world insight and advice from experts in massage and business management for successful practice. - More than 200 realistic photos and illustrations clarify concepts and familiarize you with typical practice settings and essential forms, records, office equipment, and supplies. - Evolve Resources link you to templates for building resumes, letters, advertisements, forms for documentation, and client histories, plus small business resources, annotated web links, a glossary of key terms from the text, and additional exercises and case studies.
With easy-to-understand explanations and real-life examples, Management & Cost Accounting For Dummies provides students and trainees with the basic concepts, terminology and methods to identify, measure, analyse, interpret, and communicate accounting information in the context of managerial decision-making. Major topics include: cost behaviour cost analysis profit planning and control measures accounting for decentralized operations budgeting decisions ethical challenges in management and cost accounting
This survival guide introduces the basics of financial literacy and money management for kids—from earning and saving money to spending and donating it—and gives readers essential skills for financial know-how. The book also explores how choices about money and finances connect to character development and social-emotional well-being. Readers will find ideas for setting money goals, delaying gratification, being thrifty, building self-esteem, giving to charity, and making socially responsible spending and donating decisions. The book includes special features such as: Fictional vignettes in a choose-your-own-adventure style, putting readers in hypothetical situations where they need to make decisions about how to manage money True success stories about real kids who made smart financial decisions Vocabulary boxes that highlight important terms “Financial tactics” boxes with helpful tools, tips, and strategies Survival Guides for Kids Helping Kids Help Themselves® Straightforward, friendly, and loaded with practical advice, the Free Spirit Survival Guides for Kids give kids the tools they need to not only survive, but thrive. With plenty of realistic examples and bright illustrations, they are accessible, encouraging, kid-friendly, and even life-changing.
Born in Sligo into a family of travelling entertainers, Sandy Kelly has become one of the top musical performers in Ireland. Sandy was co-opted into the family variety show from an early age. As a teenager she sang on the social club circuit in the UK, playing an ever more prominent role. When she returned to Ireland, she developed initially as a pop performer before following her instincts and concentrating on a music career. Her landmark 1989 recording of the Patsy Cline hit 'Crazy' led her to perform on stages all over the world, including the Grand Ole Opry in Nashville and the lead role in Patsy – The Musical in London's West End. But the music industry can be a tough place. Sandy has dealt with prejudice and financial pressures. Alongside the glamour of show business, she has experienced the heartaches of divorce, family illness and death, and faced the challenges of raising a daughter with special needs. Sandy has stood strong at the heart of Ireland's music scene for over four decades. Here, for the first time, she recounts the highs – and lows – of a lifetime in music, in her own words.
How the actions of a few in Europe destroyed the prosperity of the many (and how it's happening again now in America) After the fall of the Roman Empire, vicious barbaric tribes including the Hunds lead by Atilla, the Mongols, Charlemagne and the Vikings invaded Europe, plundering property and destroying homes. But, they didn't just steal and destroy property in the villages; they also stole and destroyed any prosperity the villagers had previously enjoyed. What's worse is the barbarians of the Dark Ages did all of this not out of any deeply held religious or political belief, but, rather, for the oldest reason in the book – their own personal financial gain. Some things never change. Barbarians of Wealth examines how the greedy, self-serving decisions of a select group of politicians and financial institutions negatively impacts the economy and, ultimately, destroys America's prosperity and the American way of life. Compelling and engaging, the book Details how Goldman Sachs peddled mortgage backed securities up and down Wall Street while secretly betting against their demise Discusses how Sanford Weill, founder of Citigroup spent $100 million lobbying for the repeal of the Glass-Steagall Act that prevented the merger of commercial and investment banks and got his way. Examines Christopher Dodd, head of the U.S. Senate Banking Committee, has enriched himself while driving down the prosperity of his constituents Offers up examples of other modern barbarians, including the Federal Reserve, Alan Greenspan, Hank Paulson, and Timothy Geithner. Highlights greed driven tactics of Wall Street corporations including JP Morgan, Merrill Lynch, and Salomon Brothers. Barbarians of Wealth is a timely must read for hard-working Americans concerned with their prosperity, as well as for those fascinated with the inner workings of Washington and Wall Street.
Success in massage therapy begins with a solid foundation in the fundamentals! Mosby's Fundamentals of Therapeutic Massage, 7th Edition helps you build the skills you need, from assessing problems and planning treatment to mastering massage techniques and protocols. Hundreds of photographs demonstrate massage techniques step by step, and case studies bring concepts to life. 'How-to' videos on the Evolve companion website show manipulation techniques, body mechanics, positioning and draping, and more. If you want to prepare for licensing and certification exams and succeed in practice, this resource from massage therapy expert Sandy Fritz is your text of choice. - Comprehensive coverage includes all of the fundamentals of therapeutic massage, including massage techniques, equipment and supplies, wellness, working with special populations, and business considerations; it also prepares you for success on licensing and certification exams. - Step-by-step, full-color photographs demonstrate massage techniques and protocols by body area. - Three hours of video on the Evolve website demonstrate techniques and body mechanics — each clip is narrated and performed by author Sandy Fritz — as well as review activities for licensing exams. - Proficiency exercises provide opportunities to practice and apply what you are learning. - Case studies offer practice with clinical reasoning and prepare you to address conditions commonly encountered in professional practice. - Coverage of body mechanics helps you to create an ergonomically effective massage environment and to determine appropriate pressure, drag, and duration application while applying massage methods. - Coverage of multiple charting methods helps you develop record-keeping and documentation skills, including SOAP and computer charting with simulation on Evolve. - Learning features include chapter outlines, objectives, summaries, key terms, practical applications, activities and exercises, and workbook-type practice. - Review tools include matching exercises, short answer questions, fill-in-the-blank questions, drawing exercises, and critical thinking questions, all available on Evolve. - Research Literacy and Evidence-Based Practice chapter includes new research findings and explains how research is done, and how to read and understand it. - Adaptive Massage chapter explains how to address the needs of specific populations, from pregnant women and infants to hospice patients and people with physical impairments. - Massage Career Tracks and Practice Settings chapter covers massage therapy services offered at spas, and looks at the spa as a possible massage career. - In-depth coverage of HIPAA shows how to store records in a HIPAA-compliant manner and explains HIPAA requirements and training. - Foot in the Door boxes outline the professional skills expected by prospective employers. - Updated Basic Pharmacology for the Massage Therapist appendix provides up-to-date information on common medications.
Budgeting. That sounds like a lot of work! But actually, budgeting is easy. You just need to make sure the money you have coming in is equal to or greater than the money you have going out. If you make a budget and stick to it, you'll be surprised what you can accomplish. You can save money for a car or college—and still have spending money in your pocket. This book explores budgeting from all angles. You'll discover • how to make your own budget—either with a computer program or with simple pen and paper. • how to evaluate your financial goals and priorities to make sure you have money for the things you really care about. • the ins and outs of banking, saving money, and earning interest. • how to make smart spending decisions to make the most of your cash. • the benefits—and the dangers—of using credit cards. Supplemented with articles and information from USA TODAY, the Nation's No. 1 Newspaper, Budgeting Smarts delivers solid advice and firsthand stories of real teens handling many of the same money decisions you are. Ready to wise up to budgeting? Read on!
Written by massage therapy expert Sandy Fritz, this unique review resource prepares you for all of your massage therapy exams — both routine semester exams and tests administered for licensure, such as the National Certification Exam and the MBLEx. This comprehensive review features updated content and questions based on the currently administered licensing exams. Plus, a companion Evolve website comes loaded with 8 practice exams and a variety of review activities such as labeling exercises, crossword puzzles, electronic coloring book, games, and much more! And for studying on the go, Mosby offers a new mobile app featuring 125 test questions. No other massage review on the market gives you such complete exam preparation! - Full color format with 347 illustrations (showing various massage techniques as well as anatomy & physiology) presents information in a more visual, engaging way and helps you retain information better than reviewing text alone. - Over 1300 practice questions in the text provide the opportunity to assess your readiness for exams. - Over 40 labeling exercises are available throughout the book to help kinesthetic learners retain information. - Logical text organization presents review content with illustrations and examples followed by review questions and exams to help you hone test-taking skills as you master facts, learn how to apply them, complete practice questions by topic, and then work through a realistic exam experience. - Written to be versatile so it can be used to prepare for licensing exams, as well as classroom exams allows you to prepare for massage licensure exams as well as your regular course load along the way. - Answer key printed in the back of the text with rationales provides you additional feedback so you can better understand why answers are correct or incorrect. - Esteemed author Sandy Fritz delivers quality content that students and instructors know they can rely on. - NEW! Updated content and questions based on the changes to licensing exams delivers the most up-to-date, relevant questions ensuring you'll be fully prepared to pass the current exams. - NEW! Companion website offers 8 practice exams, numerous review activities such as labeling exercises, crossword puzzles, Body Spectrum electronic coloring book, online flashcards, med term games, animations and more. - NEW! Mobile app with practice test questions offers increased flexibility to study on the go and in shorter intervals.
Low on cash? Tired of being the only one who's too broke to go out? Maybe it's time for a job. Think about it—with your own paycheck, you’ll have money to spend and money to save, and you'll gain valuable work experience. If you're feeling really ambitious, you might even decide to start your own business. Lifeguarding? Pet sitting? Computer work? No matter what job you choose, it all adds up to cash in your pocket. This book explores teenage employment from all angles. You'll discover • how to choose the right kind of job and how to fit it into your busy schedule. • the nuts and bolts of landing a job, from resume writing to interviewing. • how to act like a professional—so you'll keep that job once you get it. • the art of money management, including saving and spending wisely. • how to start your own business, attract customers, and start the profits rolling in. Supplemented with articles and information from USA TODAY, the Nation's No. 1 Newspaper, Job Smarts delivers solid advice and firsthand stories of real teens facing many of the same employment situations you are. Ready to wise up to the job market? Read on!
Do you have health, money, relationship, or career problems that just won’t go away? In Calm Cure, best-selling author Sandy C. Newbigging explains that most of us are so preoccupied with trying to deal with the symptoms of our issues that we never get around to discovering and resolving their underlying causes. Here, you will discover: • The surprising hidden causes of your health and life problems • Why other things you’ve done to create positive change haven’t worked long-term • Why you keep recreating the same patterns over and over again • The 3-step Calm Cure technique to help your body heal and improve key areas of life, including emotions, relationships, career, finances and more With a directory listing the most common mind-based causes of 101 physical conditions, Calm Cure will empower you to move freely towards greater health, wealth, happiness and success, while being a positive presence in the world.
Ten years ago, when Sandy Malone was planning her Caribbean destination wedding, there was no Pinterest, no Instagram, and no Wedding Wire. The Knot and the Wedding Channel were in their infancy. And Malone was planning her wedding from scratch. The tips and advice in How to Plan Your Own Destination Wedding will help brides and grooms navigate the murky waters of destination-wedding planning—and they are murky because most do-it-yourself brides and grooms are looking to do something “different” from what all of their friends have done before them. Unfortunately, the more remote, bizarre, and challenging the destination is, the more attractive it appears to the do-it-yourself couple. That’s where Sandy Malone, star of Wedding Island (TLC), who has been planning weddings for ten years, comes in. She offers advice to brides and grooms on how NOT to spend money on things they don’t need to invest in, and where they DO need to spend money to make sure the event runs smoothly. She also gives tips on how to negotiate the contract with the venue, the “wetiquette” of invitations for destination weddings, finding and handling vendors abroad, and much more. This book offers the complete guide to destination weddings, by a true expert!
This book provides practical guidance for coping with progressive memory loss, and includes examples of real people who have faced similar challenges. These stories highlight both good and bad ways to deal with the problems that arise, and are also useful for describing the experiences of memory loss to friends and family.
In Who Will Butter My Toast? Sandy Tovray Greenberg shares invaluable advice and practical tools for you to create a guidebook to keep your loved one thriving in a safe environment. She is the mother of Rayna who has special needs, and Greenberg has over 20 years of experience in coordinating her daughter’s at-home care. Her top priority is to ensure Rayna is safe and happy, and that she lives a dignified and as independent life as possible, in her own home. She will guide you in what to include and what to be aware of as you embark on putting together the best suited handbook for the unique situation of your loved one, be it a child, parent, spouse, or friend. A book written with deep empathy, you will discover a veteran companion who leaves no stone unturned to help you best formulate clearly and in writing, how to ensure the needs of your loved one are met in a professional and compassionate way. Greenberg also includes helpful samples of handbooks for family, manager, and caregivers, giving insight into how the documents can look when complete.
Written by massage therapy experts Sandy Fritz and Luke Fritz, this unique review resource uses a variety of methods to help you prepare for the MBLEx (Massage and Bodywork Licensing Exam) and the Board Certification in Therapeutic Massage and Bodywork (BCTMB). The comprehensive review features updated content and questions based on the most current exam blueprints! The practice exams are written in a five-part process — not just as sample questions. Plus, a companion Evolve website comes loaded with practice exams and a variety of review activities such as labeling exercises, flashcards, electronic coloring book, games, and much more. No other massage review gives you such well-rounded exam preparation! Focused content review including 125 full-color illustrations showing various massage techniques as well as anatomy & physiology 1800 practice questions (500 new questions) in the text that provide students the opportunity to assess readiness for exams 5 practice exams with 100 questions each will be available in text as well as on Evolve Over 40 labeling exercises to help kinesthetic learners retain information. Rationales for all correct and incorrect responses - NEW! More than 1,400 questions in a mock exam are based on the MBLEx blueprint. - EXPANDED and UPDATED! Content matches the current MBLEx blueprint to prepare you for success. - NEW! Scenario-based, multiple-choice questions are based on the MBLEx content blueprint. - NEW! 100 questions in a graded practice exam.
This is a fascinating window on the life and times of a banker in a bygone age. It is a mosaic of privilege, adventure, romance and dedication against a background of the rarefied world of international finance. A de facto conquest of Mt Everest, throwing a General across a room, a Hong Kong typhoon and civil unrest, are just some of the authors experiences. HSBC is singled out for the highest praise as a financial institution, yet the Bank is also exposed as a long service pension confiscator, attracting widespread condemnation. Generously illustrated, the apt juxtaposition of Shakespearean quotes adds a theatrical dimension to the story.
The Small Business Turnaround Guide: Take Your Business from Troubled to Triumphant, takes a holistic approach to everyday problems encountered by small businesses and their owners. The majority of books that target troubled businesses are focused on large companies and the ones that do deal with small businesses usually focused on a specific issue such as planning or leadership. "The Small Business Turnaround Guide," begins by helping the owners stop the bleeding and then goes on to give them detailed solutions to the dozen most common shortfalls that lead to small business difficulties and shortfalls.
So often we make the mistake of committing our lives and our time to empty activities – with only small glimpses of satisfaction and fulfillment. Are you tired of wishing and hoping for a lot more money? What is stopping you from earning the amount of money that you really want to earn? Do you want more out of life but aren’t sure what it is? Do you have a specific goal but don’t know how to achieve it? What keeps people stuck year after year? How and when does earning money become easy Getting rich is an exact science. There are certain laws that govern it, and once you learn and comply with those laws, getting rich is a mathematical certainty. Bob Proctor studied the mind, paradigms, and the universal laws of money for over sixty years. There is no one better than Bob to teach you the secret behind the Wallace Wattles book, The Science of Getting Rich. He has reduced the most complicated concepts from that classic into its simplest form. The Secret of the Science of Getting Rich will give you many practical ways to apply the concepts to your life—starting today. But first, you must believe that you can attract anything you want in life. So you must ask yourself: “What do I want? What do I really, really want?” Discover your purpose and then apply the actual science behind The Science of Getting Rich. The secret to wealth will help you get unstuck and achieve continual forward momentum towards your dreams.
WATCH THOSE CAR GUYS Eve used an apple...these guys used steel "Watch Those Car Guys"provides a window into the hectic, fast-moving and free-wheeling world of the automobile business during the post-war period. The absence of standardized factory prices for automobiles provided the dealer with the opportunity to manipulate prices in order to confuse customers. Quick sales by any manner were the primary objective. The pre-war practice of providing good service at fair prices for the purpose of repeat business was all but gone. Marty Stein is transformed from a respectful college sophomore into a devious automobile dealer. The greed and irresponsibility in his life parallels the practices evolving in the automobile business. His fifteen-year journey from a college sophomore to a felon leaves behind a wake that contains scores of deceived and disgruntled customers, a lover who almost dies from a bungled abortion, a son he may never see and the suicide of a trusting friend that was to a large extent Marty's fault.
An analysis of the war in Afghanistan, as well as pre- and post-war actions, examines the failures in U.S. and British foreign policies that led to Osama bin Laden's escape at Tora Bora and lackluster efforts in supporting reconstruction.
Stitching is the third in a series of Alessandra “Ale” Ferretti romance/thriller novels. We find our LA ER nurse Ale building her fashion business, fighting off rumors about her sexy Cuban boyfriend Carlos 'Striker' Montoya. Engaging her hunky trainer Mac, her still recovering from a gun shot injury Detective Jason O'Malley and her new IT StrikeForce expert Georgie to help find a missing Striker while Striker and the Cinco Reyes gang find themselves embedded in a dangerous situation involving drugs, infidelity and kidnapping. A hunky Irish Mob prince appears in LA to distract Ale and give her information about her past. Her momma and zia keep her surrounded by love and food, her friends support her and Ale finds a strength she didn't know she had. It's up to her to get Carlos back and she will do anything to make that happen. Even if it means the end of their relationship. Forgiveness and the healing of stitching old and new wounds make this book unforgettable.
Tired of commuting? Fed up with your boss? Bored with your job? There is a solution: Start living and doing what you want to do. Lie in a hammock or on a beach, swing your golf club, or hit the open road. Get control of your life, become financially independent, and RETIRE EARLY. If you want to retire early - before age 65 - you are not alone. In a survey of workers ages 30 to 50, more than half plan to retire at 60 or younger and only 6 percent plan to work past 65. There are three things you need to do to retire early: 1) Manage your expenses and reduce or eliminate debt, 2) accumulate capital, and 3) save and invest wisely. It is easy, but requires patience and self-control, and with the guidance of this new book you will be on your way to achieving this goal. You will learn how to take control of your life, set realistic long-term goals, choose appropriate lifestyle trade-offs, and learn effective savings techniques and simple investing strategies. You will learn how to calculate how much you need to retire early, get the most from your investment portfolio, reduce your taxes, use retirement planning tools, increase your income while retired, reduce living expenses, deal with inflation and deflation, and calculate social security and pension payments. This book will be your road map to turn the dream of early retirement into reality. 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.
Sound business knowledge isn’t enough for successful entrepreneurship. Knowledgeable entrepreneurs lead their businesses to failure every day. To be enduring and thriving entrepreneurs, we need Entrepreneurial Intelligence (EnQ) to translate our knowledge and our motivations into a profitable and rewarding business structure. Sandy Geyer has combined her skills with her experiences in her own journey as an entrepreneur to create an entertaining, enlightening and challenging training process for entrepreneurs, at all levels, to develop their EnQ. We simply cannot plot our way onto the right entrepreneurial path if we have no idea where we are currently standing, and why. Path of the Lion identifies limiting traits, tendencies and mistakes of the other three entrepreneurial species (the EnQ Rhino, the EnQ Fish Eagle and the EnQ Baboon), and formulates a clear path of learning and application of that learning so we can successfully follow the path of the ultimate king of the EnQ jungle, the EnQ Lion.
People love weird facts. And judging from the success of the original Pocket Idiot’s Guide® to Not So Useless Facts, readers love the collection of wacky and interesting facts and factoids. Now, back by popular demand, is The Pocket Idiot’s Guide® to More Not So Useless Facts, with completely new entertaining and insightful facts. Gathered by an expert team of fact finders and pop culture specialists, this collection includes only facts that are interesting and could be useful to students, collectors, tourists, and enthusiasts alike.
Making management ideas easy to grasp and providing practical advice on management theory and practice, this book focuses on how to make policy work in practice: providing comprehensive advice on managing resources including advice on Health & Safety and promoting a healthy environment clear explanations of how to measure cost, incomes, ratios and effective efficiency Suggestions on how to bring about change and improvement.
Retirement Strategies for Women is the first financial planning workbook designed especially for women who are middle-aged or older. Produced in conjunction with the Toronto-Dominion Bank, this user friendly guide will help any woman determine her net worth and the total amount that she will need to live comfortably after retirement. Topics include: - maximizing your income by minimizing taxes and diversifying your portfolio - protecting your income with life, health and disability insurance - preparing a proper will or power-of-attorney - sharing your assets with children and donating money to charities and other organizations By following the steps outlined in Retirement Strategies for Women, women will be able to take the all-important first steps toward a comfortable retirement. (1997)
This book documents the advantages and limitations of various electricity generation methods. It illustrates how both electricity and motor fuel can be cost-effectively derived from coal, natural gas or other indigenous fuels, thereby eliminating our dependence on imported oil and the power of OPEC. It favours electricity generation systems powered exclusively by natural gas, coal, nuclear and renewables and motor vehicles powered by hydrogen (electricity from coal gasification with carbon capture and sequestration (CCS) and hydrogen as the fuel powering fuel-cell electric vehicles produced from natural gas or by gasifying coal With CCS.) The book also demonstrates that the US can meet the Climate Change goal of reducing all greenhouse gases by 80% below 1990 levels in both the transportation and electric utility sectors using hydrogen and coal.
The bestselling author of the consistently successful Lower Your TaxesBig Time! reveals the secrets of the rich to help anyone achieve long-term financial stability
Your Guide to the Best Seats at the Best Prices ; 150 Seating Plans to New York Metro Area Theatres, Concert Halls, & Sport Stadiums, with Restaurant Coupons Valued Up to $200
Your Guide to the Best Seats at the Best Prices ; 150 Seating Plans to New York Metro Area Theatres, Concert Halls, & Sport Stadiums, with Restaurant Coupons Valued Up to $200
A guide to every theatre seat positions and price ranges on Broadway, off-Broadway, off-off Broadway and in out-of-town theatres frequented by New Yorkers and visitors.
IRS insider Sandy Botkin reveals the tax strategies you can use to increase your ROIs by as much as 20 percent-whether you're a home owner or a real estate investor. This accessible guide demystifies real estate taxes and shows how to achieve maximum benefit when buying, owning, selling, managing, repairing, and investing in properties. Features numerous forms, charts, sample documents, and other valuable tax-saving tools Gives you the basics on real estate taxes and shows how to take full advantage of tax loopholes
A PAPERBACK ORIGINAL The first simple guide to understanding the real estate closing process Closing and escrow are among the most importantand least understoodcomponents of a real estate transaction. The Complete Guide to Your Real Estate Closing takes the mystery out of the confusing, expensive process by giving real estate professionals, investors, and consumers a step-by-step explanation. In simple, everyday language, the book explains closing documents and paperwork, what to do when something goes wrong, mortgage options, how to save money on title insurance, problems that can occur on a title report, and much more. With sample forms, work sheets, and more, this sophisticated but accessible book covers: Insider tips on how to save moneyfrom a closing professional Who does what: the real estate agent, lender, title company, closing officer, attorney State-specific information for all 50 states
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