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Money Made Easy: How to Budget, Pay Off Debt, and Save Money

Bust your debt for good with this results-based blueprint to financial freedom In Money Made Easy: How to Budget, Pay Off Debt, and Save Money, renowned blogger, podcaster, speaker, and Founder of Inspired Budget, Allison Baggerly, delivers a powerful and effective blueprint to saving, budgeting, and investing your way to a brighter financial future. You’ll discover saving, income, business, and debt-reduction tips as you identify your “money pattern” and break bad habits. In the book, you’ll find: Checklists and templates you can use to put into practice the expert tips found inside Credit card balance-busting strategies that will put an end to your revolving cycle of consumer debt Ways to create a “sinking fund” to help pave your way to financial freedomAn easy-to-follow and immediately actionable roadmap to financial independence at any age, Money Made Easy takes the mystery and jargon out of personal finance and offers you the guidance you need to transform your financial life.

Homeland Security and Critical Infrastructure Protection (Praeger Security International)

A compelling overview of systems and strategies implemented to safeguard U.S. resources from a plethora of threats, the vulnerabilities and security gaps in these infrastructure systems, and options to enable the future security of the homeland.Since the first edition of this book was published in 2009, significant changes have occurred in the security landscape, both domestically and internationally. This second edition is thoroughly updated to reflect those changes, offering a complete review of the various security and resilience measures currently in place and potential strategies to safeguard life and property within the U.S. homeland. As noted in the U.S. Department of Homeland Security's National Preparedness Goal, the mission area of protection is vital to the homeland in its focus on actions to protect people, vital interests, and our nation's way of life. With that in mind, this book discusses strategies such as risk analysis and assessment, information sharing, and continuity planning. The authors focus on relevant and timely threats and hazards facing specific infrastructure components including, but not limited to, agriculture and food, banking and finance, water, energy, telecommunications, and transportation. The dynamic posture of critical infrastructure security and resilience (CISR) underscores the importance of an integrated, layered all-hazards approach. In describing this approach, the book includes new chapters on planning and guidance, public and private partnerships, cyber issues and threats, and careers in infrastructure protection. Additions such as discussion questions, learning objectives, and fundamental concepts for each chapter provide additional direction for instructors and students alike.

Homeland Security and Critical Infrastructure Protection (Praeger Security International)

A compelling overview of systems and strategies implemented to safeguard U.S. resources from a plethora of threats, the vulnerabilities and security gaps in these infrastructure systems, and options to enable the future security of the homeland.Since the first edition of this book was published in 2009, significant changes have occurred in the security landscape, both domestically and internationally. This second edition is thoroughly updated to reflect those changes, offering a complete review of the various security and resilience measures currently in place and potential strategies to safeguard life and property within the U.S. homeland. As noted in the U.S. Department of Homeland Security's National Preparedness Goal, the mission area of protection is vital to the homeland in its focus on actions to protect people, vital interests, and our nation's way of life. With that in mind, this book discusses strategies such as risk analysis and assessment, information sharing, and continuity planning. The authors focus on relevant and timely threats and hazards facing specific infrastructure components including, but not limited to, agriculture and food, banking and finance, water, energy, telecommunications, and transportation. The dynamic posture of critical infrastructure security and resilience (CISR) underscores the importance of an integrated, layered all-hazards approach. In describing this approach, the book includes new chapters on planning and guidance, public and private partnerships, cyber issues and threats, and careers in infrastructure protection. Additions such as discussion questions, learning objectives, and fundamental concepts for each chapter provide additional direction for instructors and students alike.

Digital Forensics and Cyber Crime: Second International ICST Conference, ICDF2C 2010, Abu Dhabi, United Arab Emirates, October 4-6, 2010, Revised Selected Papers (Lecture Notes of the Institute for Computer Sciences, Social Informatics and Telecommunications Engineering #53)

This book contains a selection of thoroughly refereed and revised papers from the Second International ICST Conference on Digital Forensics and Cyber Crime, ICDF2C 2010, held October 4-6, 2010 in Abu Dhabi, United Arab Emirates. The field of digital forensics is becoming increasingly important for law enforcement, network security, and information assurance. It is a multidisciplinary area that encompasses a number of fields, including law, computer science, finance, networking, data mining, and criminal justice. The 14 papers in this volume describe the various applications of this technology and cover a wide range of topics including law enforcement, disaster recovery, accounting frauds, homeland security, and information warfare.

Populism and Accountability: Interdisciplinary Researches on Active Citizenship (CSR, Sustainability, Ethics & Governance)

This book takes into consideration the development of different forms of populism in various countries with democratic political systems over the past two decades. Despite the diversity existing between current populisms, common elements have emerged: the tendency to diminish the role of political representation, the centrality of the "charismatic leader," the nationalistic idealization of "people" that undermine international agreements. How do these phenomena affect the instruments, rules, and culture of democracy? Why does populism receive strong acclaim? How can leaders respond to the real needs that can be at the basis of populisms without abandoning democratic principles? Using an interdisciplinary approach which emphasizes accountability and responsibility, this book addresses these and other issues facing current and future corporate leaders. The chapters offer suggestions on how to choose between major worthy causes, how to effectively measure the outcomes of social responsible action, and how to navigate the challenges of accountability. Providing practical tools to combat the root of populism in business and community, this book is intended for practitioners, researchers, and students of business and management, politics, and other related disciplines such as public administration, social science, and the humanities.

Email Marketing By the Numbers: How to Use the World's Greatest Marketing Tool to Take Any Organization to the Next Level

Praise for EMAIL MARKETING by the NUM8ERS "At last-a book that marketers can use to gain real respect from CFOs and CEOs who care about the bottom line. Baggott, author of the award-winning blog 'Email Marketing Best Practices,' clearly explains how to make your campaigns perform measurably better. The secret's in your test results." —Anne Holland, President, MarketingSherpa "Despite its proven power, email marketing receives a fraction of the attention given to other, fancier media. This week you'll probably hear far more about mobile videocasting (or some such fashion) than you will about email marketing. You can help correct this imbalance by reading this book." —Rory Sutherland, Vice Chairman, Ogilvy Group, London, UK "Baggott's wonderful new direct marketing book is loaded with practical advice and recommendations from some of the best minds in the industry. Email Marketing by the Numbers should be read by everyone in the industry who wants to profit from acquiring and retaining customers." —Arthur Middleton Hughes, Vice President/Solutions Architect, Knowledge Base Marketing, and author of Strategic Database Marketing "Amidst the confusion and changing landscape of the Web, Baggott is one of the clear thinkers who can cut through the hype and help you understand how to drive revenues through the use of marketing technology." —Scott Burkey, Business Development Executive, Definition 6 "Baggott is the ultimate Web 2.0 entrepreneur who takes Email 2.0 to a new level. In Email Marketing by the Numbers, he gives marketers instructions for creating one-to-one conversations with prospects and customers. This book should be on the desk of every marketer in every company, big or small." —Scott Maxwell, founder, OpenView Venture Partners

Email Marketing By the Numbers: How to Use the World's Greatest Marketing Tool to Take Any Organization to the Next Level

Praise for EMAIL MARKETING by the NUM8ERS "At last-a book that marketers can use to gain real respect from CFOs and CEOs who care about the bottom line. Baggott, author of the award-winning blog 'Email Marketing Best Practices,' clearly explains how to make your campaigns perform measurably better. The secret's in your test results." —Anne Holland, President, MarketingSherpa "Despite its proven power, email marketing receives a fraction of the attention given to other, fancier media. This week you'll probably hear far more about mobile videocasting (or some such fashion) than you will about email marketing. You can help correct this imbalance by reading this book." —Rory Sutherland, Vice Chairman, Ogilvy Group, London, UK "Baggott's wonderful new direct marketing book is loaded with practical advice and recommendations from some of the best minds in the industry. Email Marketing by the Numbers should be read by everyone in the industry who wants to profit from acquiring and retaining customers." —Arthur Middleton Hughes, Vice President/Solutions Architect, Knowledge Base Marketing, and author of Strategic Database Marketing "Amidst the confusion and changing landscape of the Web, Baggott is one of the clear thinkers who can cut through the hype and help you understand how to drive revenues through the use of marketing technology." —Scott Burkey, Business Development Executive, Definition 6 "Baggott is the ultimate Web 2.0 entrepreneur who takes Email 2.0 to a new level. In Email Marketing by the Numbers, he gives marketers instructions for creating one-to-one conversations with prospects and customers. This book should be on the desk of every marketer in every company, big or small." —Scott Maxwell, founder, OpenView Venture Partners

ICT for a Better Life and a Better World: The Impact of Information and Communication Technologies on Organizations and Society (Lecture Notes in Information Systems and Organisation #30)

This book focuses on the impact of information and communication technologies (ICTs) on organizations and society as a whole. Specifically, it examines how such technologies improve our lives and facilitate our work. A main aspect explored is how actors understand the potential of ICTs to support organizational activities and hence, how they adopt and adapt these technologies to achieve their goals. The book collects papers on various areas of organizational strategy, e.g. new business models, competitive strategies, knowledge management and more. The main areas dealt with are new technologies for a better life, innovations for e-government, and technologies enhancing enterprise modeling. In addition, the book addresses how organizations impact society through sustainable development and social responsibility, and how ICTs employ social media networks in the process of value co-creation.

ICT for an Inclusive World: Industry 4.0–Towards the Smart Enterprise (Lecture Notes in Information Systems and Organisation #35)

This book discusses the impact of information and communication technologies (ICTs) on organizations and on society as a whole. Specifically, it examines how such technologies improve our life and work, making them more inclusive through smart enterprises. The book focuses on how actors understand Industry 4.0 as well as the potential of ICTs to support organizational and societal activities, and how they adopt and adapt these technologies to achieve their goals. Gathering papers from various areas of organizational strategy, such as new business models, competitive strategies and knowledge management, the book covers a number of topics, including how innovative technologies improve the life of the individuals, organizations, and societies; how social media can drive fundamental business changes, as their innovative nature allows for interactive communication between customers and businesses; and how developing countries can use these technologies in an innovative way. It also explores the impact of organizations on society through sustainable development and social responsibility, and how ICTs use social media networks in the process of value co-creation, addressing these issues from both private and public sector perspectives and on national and international levels, mainly in the context of technology innovations.

Projekt- und Geschäftsanbahnung in Iran: Eine Entscheidungshilfe für wirtschaftliche und wissenschaftliche Projekte (essentials)

Diese kompakte Einführung gewährt einen Einblick in ein faszinierendes Land, gibt Erklärungen zu Sanktionen sowie zu iranischen Kulturstandards und bietet Entscheidungshilfen für die Projekt- und Geschäftsanbahnung in Iran. Die Islamische Republik ist eines der stabilsten Länder in einer von Kriegen erschütterten Region und zudem reich an Ressourcen, Bevölkerung und Bildung. Geschichtlich, wirtschaftlich, wissenschaftlich, energie- und friedenspolitisch ist Iran von großem Interesse auch für Europa. Deutsche Institutionen und Firmen profitieren von dem guten Ruf der Verlässlichkeit und Kompetenz. Die Autoren erläutern, wie deutsche Unternehmen oder auch wissenschaftliche Einrichtungen das hohe Potenzial einer deutsch-iranischen Zusammenarbeit nutzen können.

Projekt- und Geschäftsanbahnung in Iran: Eine Entscheidungshilfe für wirtschaftliche und wissenschaftliche Projekte (essentials)

Dieses essential gewährt einen Einblick in ein faszinierendes Land, stellt iranische Kulturstandards vor und bietet Entscheidungshilfen für die Projekt- und Geschäftsanbahnung in Iran. Die Islamische Republik ist eines der stabilsten Länder in einer von Kriegen erschütterten Region und zudem reich an Ressourcen, Bevölkerung und Bildung. Deutsche Institutionen und Firmen profitieren von dem guten Ruf der Verlässlichkeit und Kompetenz. Die Autoren erläutern, wie Unternehmen oder auch wissenschaftliche Einrichtungen das hohe Potenzial einer deutsch-iranischen Zusammenarbeit nutzen können. Die Neuauflage beinhaltet aktuelle Informationen zu aufgehobenen und weiter bestehenden Sanktionen sowie einen Ausblick auf zukünftige Entwicklungen im Zusammenhang mit den Atomverhandlungen.

Women in Non-traditional Occupations: Challenging Men

This book examines common issues and concepts concerning women in non-traditional, male dominated occupations. It explores the question of whether these women are the agents of change or are instead changed themselves. It provides a statistical examination and theoretical analysis of occupational sex segregation in the UK, the rest of the European Union, and the USA. Then, it provides a more in-depth understanding of women's work lives through the experiences of the women themselves in four occupations; management, academia, engineering and the priesthood.

The Global Rise of China and Asia: Impact and Regional Response

This book posits an alternative narrative to China’s rise by focusing on its impact on Asia. China’s rapid rise as a multidimensional power is felt in all corners of the world and poses a direct challenge to the supremacy of the United States, which has held the status of a primary superpower ever since the end of the Cold War. For the most part, Asian countries want to avoid being dragged into this great power rivalry, preferring to adopt a more balanced and pragmatic approach. While a recognition of China’s greatness does not necessarily place states in a subservient position, the author argues that the most prudent approach for Asian nations is to avoid being caught in the middle of the US-China rivalry, as this allows them to derive benefits from both sides.

Introduction to Nonsmooth Optimization: Theory, Practice and Software

This book is the first easy-to-read text on nonsmooth optimization (NSO, not necessarily differentiable optimization). Solving these kinds of problems plays a critical role in many industrial applications and real-world modeling systems, for example in the context of image denoising, optimal control, neural network training, data mining, economics and computational chemistry and physics. The book covers both the theory and the numerical methods used in NSO and provide an overview of different problems arising in the field. It is organized into three parts:1. convex and nonconvex analysis and the theory of NSO;2. test problems and practical applications;3. a guide to NSO software.The book is ideal for anyone teaching or attending NSO courses. As an accessible introduction to the field, it is also well suited as an independent learning guide for practitioners already familiar with the basics of optimization.

Numerical Nonsmooth Optimization: State of the Art Algorithms

Solving nonsmooth optimization (NSO) problems is critical in many practical applications and real-world modeling systems. The aim of this book is to survey various numerical methods for solving NSO problems and to provide an overview of the latest developments in the field. Experts from around the world share their perspectives on specific aspects of numerical NSO. The book is divided into four parts, the first of which considers general methods including subgradient, bundle and gradient sampling methods. In turn, the second focuses on methods that exploit the problem’s special structure, e.g. algorithms for nonsmooth DC programming, VU decomposition techniques, and algorithms for minimax and piecewise differentiable problems. The third part considers methods for special problems like multiobjective and mixed integer NSO, and problems involving inexact data, while the last part highlights the latest advancements in derivative-free NSO. Given its scope, the book is ideal for students attending courses on numerical nonsmooth optimization, for lecturers who teach optimization courses, and for practitioners who apply nonsmooth optimization methods in engineering, artificial intelligence, machine learning, and business. Furthermore, it can serve as a reference text for experts dealing with nonsmooth optimization.

Doing Business in 21st-Century India: How to Profit Today in Tomorrow's Most Exciting Market

By now, you probably know that India has the second-fastest growing economy in the world. That the spending power of its middle class is rapidly increasing and its population is eager to acquire Western conveniences. And that new opportunities abound in its many emerging sectors. But buyer (or seller) beware--India is not simply "the new China." Important cultural differences and other hurdles can make for a challenging business landscape for Westerners. Fortunately, longtime global sourcing and marketing expert Gunjan Bagla now delivers the vital advice you need. Doing Business in 21st-Century India will show you how to make inroads into and thrive in this developing region with information that includes: An overview and analysis of India's most promising industries The Six C's of Sales and Marketing in India Essential tips on attracting and retaining top talent An overview of finance in the region that every investor will want to read Modern history 101--the essentials you need to know Insider perspective from top veteran professionals in the region Guidance on its often complex, laws, rules, and regulations. Concise, accessible, and indispensible, Doing Business in 21st-Century India is the perfect primer for anyone who's long on enterprise, short on time, and eager to profit from this fascinating new market.

Go Legal Yourself!: Know Your Business Legal Lifecycle

Avoid legal pitfalls for your business from day one A common characteristic of entrepreneurs is the attitude: “I’m not going to do that until I absolutely have to.” And it’s understandable why: with limited time and resources it seems logical to focus on tasks like product development, production, marketing, and delivery—the ones that get your product or service out into the marketplace. The last thing you want to do is spend money and effort on legal issues, which is why they often drop to the bottom of the pile. But this can be a costly mistake—and Go Legal Yourself is here to make sure it’s one you avoid. Attorney, inventor, and businesswoman—named Top Woman Entrepreneur by LA Dreams Magazine in 2017—Kelly Bagla knows about doing business from both the entrepreneurial and legal sides of the fence. And in Go Legal Yourself, she guides you through the four key legal lifecycle phases every business experiences—and sets you up for worry-free success from day one. Establish yourself as the correct legal entity Gather and complete the relevant documentation Protect your brand Identify and avoid common (and expensive) pitfalls Plan and manage growth, enter new markets, and keep a sharp competitive edge Wherever you are with your business, this book is your guarantee you have all your legal ducks in a row—and that no nasty legal surprises stand between you and your target: success.

Go Legal Yourself!: Know Your Business Legal Lifecycle

Avoid legal pitfalls for your business from day one A common characteristic of entrepreneurs is the attitude: “I’m not going to do that until I absolutely have to.” And it’s understandable why: with limited time and resources it seems logical to focus on tasks like product development, production, marketing, and delivery—the ones that get your product or service out into the marketplace. The last thing you want to do is spend money and effort on legal issues, which is why they often drop to the bottom of the pile. But this can be a costly mistake—and Go Legal Yourself is here to make sure it’s one you avoid. Attorney, inventor, and businesswoman—named Top Woman Entrepreneur by LA Dreams Magazine in 2017—Kelly Bagla knows about doing business from both the entrepreneurial and legal sides of the fence. And in Go Legal Yourself, she guides you through the four key legal lifecycle phases every business experiences—and sets you up for worry-free success from day one. Establish yourself as the correct legal entity Gather and complete the relevant documentation Protect your brand Identify and avoid common (and expensive) pitfalls Plan and manage growth, enter new markets, and keep a sharp competitive edge Wherever you are with your business, this book is your guarantee you have all your legal ducks in a row—and that no nasty legal surprises stand between you and your target: success.

BTEC First Business: Student Book (PDF)

BTEC First Business is a brand new textbook for the revised 2012 specification.

BTEC National Business — STUDENT TEXTBOOK

Information Systems, Management, Organization and Control: Smart Practices and Effects (Lecture Notes in Information Systems and Organisation #6)

This book explores the diversity of topics, views and perspectives focused on the relationship between information systems, organizations and managerial control. It brings together theories and practices by a diverse group of scholars working in different disciplines: organization, management, accounting, information systems development, human-computer interaction. The volume is divided into three sections, each one focusing on a specific theme: organizational change, innovation and information and communication technologies; organizational control, accounting and information systems; information, knowledge and project management practices. The book is based on a selection of the best research papers - original double blind peer reviewed contributions of the annual conference of the Italian chapter of AIS, held in Milan, Italy in December 2013.

Managing Consumer Services: Factory or Theater?

This book presents latest research on the evolution of consumer services, as these services continue to become a larger part of the economy in the world. Four core focal points lead the central message of the book: first, the convergence of back and front offices; second, placing the client as a fundamental input of services production and delivery process, and 'industrializing' the customers' role to combine efficiency and experience; third, the constitution and role of inputs necessary for the configuration, production and delivery of the service, with the crucial role of 'operationalizing' the customers' experience; and fourth, the adoption of new technologies and the appropriate transfer of manufacturing managerial practices through service industrialization.This is a special volume of articles based on solid research and analysis, including conceptualization of the important issues, as well as recommendations for managers. It presents case histories and managerial practices in some key sectors, such as financial services, health care, tourism/hospitality, entertainment and media, online services and home and personal services

The European Banking Union: A Critical Assessment (Palgrave Macmillan Studies in Banking and Financial Institutions)

Why did European policy-makers introduce the Banking Union? Which are its main features? How does it affect banks and their customers? This book tries to answer these questions, by providing a clear description of the building blocks of the banking union, and by discussing the issues that still remain unanswered.

Monetary Policy Implementation: Exploring the 'New Normal' in Central Banking

This book addresses the implementation of monetary policy (MP) and focuses on the operations used by the central banks to implement their policies: the so-called operational framework of MP. The operational framework has become of paramount importance in the last fifteen years, due to the profound transformations taking place in this period. The financial crisis, started in August 2007, has rapidly changed the way in which MP is implemented around the world. Further, innovations have been introduced to address other crises in the following years: a new set of “unconventional” instruments have been adopted, like the large-scale purchases of private and government securities and the long-term refinancing operations. The balance sheets of central banks have increased by huge amounts. The recent surge of inflation has induced several central banks to exit those exceptional policies. However, instead of going back to the traditional “interest rate steering” approach, they are going towards a “new normal” that combines some features of that approach with others inherited from the “quantitative easing” experience. The book therefore addresses the following questions: Which are the common stylized patterns of the unconventional MP across the different countries? Did the economic profession work out a theoretical framework within which to place the unconventional MP? Which are the issues related to the exit strategy from unconventional MP? Which are the main features of the operational framework under the “new normal” approach? This book answers these questions by looking at the experiences of the European Central Bank, the Federal Reserve System alongside other central banks, and providing some original modelling and empirical evidence, which will be of interest to academics, researchers in banking and finance, policy makers, and practitioners in the financial industry.

Migrants, Refugees and Asylum Seekers’ Integration in European Labour Markets: A Comparative Approach on Legal Barriers and Enablers (IMISCOE Research Series)

This open access book discusses how, and to what extent, the legal and institutional regimes and the socio-cultural environments of a range of European countries (the Czech Republic, Denmark, Finland, Greece, Italy, Switzerland and the UK), in the framework of EU laws and policies, have a beneficial or negative impact on the effective capacity of these countries to integrate migrants, refugees and asylum seekers into their labour markets. The analysis builds on the understanding of socio-cultural, institutional and legal factors as “barriers” or “enablers”; elements that may facilitate or obstruct the integration processes. The book examines the two dimensions of integration being access to the labour market (which, translated into a rights language means the right to work) with its corollaries (recognition of qualifications, vocational training, etc.), and non-discriminatory working conditions (which, translated into a rights language means right to both formal and substantial equality) and its corollaries of benefits and duties deriving from joining the labour market. It thereby offers a novel approach to labour market integration and migration/asylum issues given its focus on legal aspects, which includes most recent policy changes and legal decisions (including litigation cases). The robust, evidence-based and comparative research illustrated in the book provides academics and students, but also practitioners and policy makers, with up to date knowledge that will likely impact positively on policy changes needed to better address integration conundrums.