Simple Numbers can guide you to increased business profitability Take the mystery out of small business finance with this no-frills guide to understanding the numbers that will guide your business out of any financial black hole. Author Greg Crabtree, a successful accountant, small business advisor, and popular presenter, shows you how to use your firm's key financial indicators as a basis for smart business decisions as you grow your firm from startup to $5 million (and, more ) in annual revenue. Jargon free, and presented in an easy-to-follow, step-by-step format, with plenty of real-world examples, Crabtree's down-to-earth discussion highlights the most common financial errors committed by small businesses, and how to avoid them. You'll be fascinated to learn: Why your numbers are lying to you (and why you are the cause ) How labor productivity is the key to profitability and simplifying human resource decisions Why the amount of tax you pay is your #1 key performance indicator Take advantage of Crabtree's years of experience teaching clients how to build successful businesses by ''seeing beyond numbers'' with this step-by-step guide to increasing your businesses profitability.
Deftly navigating the tensions among globalization, national sovereignty, and democracy, Straight Talk on Trade presents an indispensable commentary on today's world economy and its dilemmas, and offers a visionary framework at a critical time when it is most needed.
How does one make the right choices when faced with ethical dilemmas? Social service professionals use a unique set of principles to guide their decisions within a broad and complex array of situations. Straight Talk about Professional Ethics, Second Edition provides readers with the guidelines that will help them make decisions in a manner that is clinically and ethically effective. This book explains the seven core concepts that guide ethical practice in the helping professions: self-determination, informed consent, competence, confidentiality and privacy, attention to conflicts of interest, maintenance of professional boundaries, and professionalism and integrity. Developing a commitment to the ethics of a profession and an understanding of how those ethics apply to commonly occurring workplace situations is a major element of professional preparation.
Best-selling recovery author Claudia Black introduces readers to five different families and reveals how each of the parents talked with their kids about recovery, relapse, and the child's own vulnerability to addiction. Alcohol use, drug use, and addiction are challenging topics for parents to discuss with children. These subjects are even more complex, and more urgent, for recovering parents to discuss with their children. Best-selling recovery author Claudia Black introduces readers to five different families and reveals how each of the parents talked with their kids about recovery, relapse, and the childs own vulnerability to addiction. Discussion tips and clearly presented facts help parents focus on key issues. Age-appropriate strategies help reduce childrens experimentation with alcohol and other drugs.
A practical and pithy guide to investing to help everyday investors achieve their long-term goals The 21st century has been beset with three financial market shocks in its first 20 years, the bursting of the Tech Bubble in 2000-2002; the Global Financial Crisis of 2008-09; and 2020 COVID-19 crash. Given this backdrop, it is no wonder that investing can appear to be so daunting to individual investors. As Chairman and CEO of Vanguard, one of the largest and most respected investment management companies in the world, Jack Brennan has spent his career helping people invest their money. In the newly updated More Straight Talk on Investing, he shares with you the lessons he has learned over his over four decades at Vanguard from a variety of market participants—from Main Street investors and 401(k) plan holders to veteran portfolio managers at the helm of Vanguard funds and sophisticated investment professionals overseeing top endowments and foundations. This a comprehensive, but approachable book will help you develop the knowledge, confidence, and discipline to navigate the financial markets and attain investment success over the long term. While the financial planning and investing principles covered are timeless, a considerable amount has changed in the nearly 20 years since the first edition, including new products and services, lower costs, and ever-evolving regulation and legislation. An entire generation of investors has come of age over the past two decades and could benefit from understanding that sound and sensible investing is an effective way to achieve financial security. This book will assist your manage your “serious” money—the dollars that you set aside for long-term goals, such as retirement or the education of your children. The book also emphasizes the concept of thinking of yourself as a “financial entrepreneur”—managing your financial life like owner manages a business. In a straightforward, plain talk manner, the book demonstrates how to: Build a balanced, diversified portfolio that meets your needs and goals Evaluate mutual funds and ETFs with a discerning eye Adhere to a long-term, disciplined approach to investing Control your emotions and tune out the incessant “noise” in the media Understand the risks and rewards of financial markets Develop a prudent plan and investment policy statement to guide your path forward Avoid the pitfalls and mistakes that can derail your investment program With wit and wisdom, Brennan relays anecdotes and observations that demonstrate the enduring investment precepts that will serve as a guide to novice investors and as a practical refresher for seasoned investors. He has also added three new chapters focusing on evaluating advice options, garnering lessons from endowments, and dealing with the challenges of a low interest rate environment.
Adjusting or planning for retirement is made easier for educators with this handbook that highlights retirement issues and concerns and helps the reader through the choices, challenges, and new commitments. Personal accounts by other administrators, teachers, and support staff are incorporated throughout.
Writing in the first person to her daughters, Berkovic relates stories from her upbringing to reconcile the contradictions between the opportunities of modern life and the constrictions of Orthodox practice. Originally published as Under my hat by Joseph's Bookstore, London in 1997. The subtitle on the cover and spine reads "my dilemma as a modern orthodox Jewish woman." No indexing is included. Annotation copyrighted by Book News, Inc., Portland, OR
Ed Schultz is here to slay the "right-wing radio dragon" and revitalize the charge against Bush-era "conservative cruelty" with his own bold, irreverent truth-talk. When the self-described "gun-toting, meat-eating, drug-free liberal" from America's heartland came out swinging with his syndicated radio program, The Ed Schultz Show, listeners realized right away that this was no cookie-cutter liberal, but a tough-talking advocate for everything that's right about the left. "A free press is all that stands between you and a dictatorship," warns Schultz, in defiance of the Bush administration and ultra-conservative talking heads like Rush Limbaugh and Sean Hannity, whom he blames for quashing political debate just when America needs it most. While Big Ed has what it takes to "go bare-knuckle brawling" with his staunchest detractors, it is with a deep compassion and impeccable common sense that he describes how our "government by the rich and for the rich" is imperiling the lives of average hard-working Americans. In Straight Talk from the Heartland, Schultz rails against the havoc that our nation's leaders are wreaking on everything from international relations to homeland defense, from our skyrocketing federal deficit to the disenfranchised families of rural America who are struggling to make ends meet. With a heady mix of patriotism, outrage, humor, and hope, he makes an urgent appeal to universal virtues such as honesty and liberty, and reminds readers of what he calls the Four Pillars of a Great Nation: Defending America: "We have lost faith in our leaders. The world has lost faith in us. Our foray into Iraq, to disarm a nation of biological and nuclear weapons they did not have, has shrunk American credibility like a cheap sweater." A Sound Economy: "The Bushies are like street hustlers. While they show you a meager tax cut with one hand, they steal your wallet with the other." Feeding the Nation: "Bad farm policy and bad trade agreements are running the American farmer off the land. It's killing small towns, and small towns are the heart of this nation." Educating America: "Don't start counting your tax break just yet. Your state and local taxes are rising to support the unfunded mandate of the No Child Left Behind act." "I'm here to give it to you straight," Big Ed says. "I've got faith that, when Americans grasp what's going on around them, they'll start acting like a bear fresh out of hibernation -- famished, ill-tempered, and ready to start raising hell." Straight Talk from the Heartland is the wake-up call America has been waiting for.
The US public has been led to believe that Social Security is going bankrupt and that our children will be burdened with supporting the elderly unless it is reformed. Benavie will refute these arguments. While it is true that our public pension system can be improved, this book will separate the widely accepted economic facts of the issue from personal value judgements. This book is an invaluable guide to understanding and making informed decisions about one of our most important social welfare systems.
