Gain the knowledge and confidence you need to build and manage budgets and forecast financial information.

This book demystifies budgets and forecasts, providing simple explanations and clear examples. It includes integrated checklists, goals and milestones, to ensure you are on target to achieve the best results.

Part of The Financial Times Essential Guides series: Task-focused and results-orientated, the essential guides are for every manager who wants to move their skills beyond the ordinary to the best.

The general store in late-nineteenth-century America was often the economic heart of a small town. Merchants sold goods necessary for residents' daily survival and extended credit to many of their customers; cash-poor farmers relied on merchants for their economic well-being just as the retailers needed customers to purchase their wares. But there was more to this mutual dependence than economics. Store owners often helped found churches and other institutions, and they and their customers worshiped together, sent their children to the same schools, and in times of crisis, came to one another's assistance.

For this social and cultural history, Linda English combed store account ledgers from the 1870s and 1880s and found in them the experiences of thousands of people in Texas and Indian Territory. Particularly revealing are her insights into the everyday lives of women, immigrants, and ethnic and racial minorities, especially African Americans and American Indians.

A store's ledger entries yield a wealth of detail about its proprietor, customers, and merchandise. As a local gathering place, the general store witnessed many aspects of residents' daily lives--many of them recorded, if hastily, in account books. In a small community with only one store, the clientele would include white, black, and Indian shoppers and, in some locales, Mexican American and other immigrants. Flour, coffee, salt, potatoes, tobacco, domestic fabrics, and other staples typified most purchases, but occasional luxury items reflected the buyer's desire for refinement and upward mobility. Recognizing that townspeople often accessed the wider world through the general store, English also traces the impact of national concerns on remote rural areas--including Reconstruction, race relations, women's rights, and temperance campaigns.

In describing the social status of store owners and their economic and political roles in both small agricultural communities and larger towns, English fleshes out the fascinating history of daily life in Indian Territory and Texas in a time of transition.

John Cerasani, a Chicago area native and Northwestern University alum, is an entrepreneurial success through a number of business endeavors. With his practical approach and business savvy, Cerasani has proven that the underdog can compete and win against larger, more established competitors.John's founding and subsequent success of Northwest Comprehensive, Inc. serves as the motivation in inspiring him to create the message of Paid Training. Paid Training is ideal for anyone who ever considered becoming a business owner as well as anyone who is ready to be open-minded enough to understand the pitfalls of working for someone else in the long term. John draws on his business experiences to demonstrate the path to enable any reader to compete and win as a start-up operation while going head-to-head against multimillion-dollar organizations.John is clear in his message that this is not a motivational book that encourages readers to quit their jobs; it's a guide that demonstrates how to evaluate, strategize, implement and then execute a plan to assure that your business flourishes. The message of Paid Training not only frowns upon the idea of working for someone else, it also shuns the idea of trying and failing multiple times before you get it right. Paid Training enables readers to get it right . . . the first time.

Sustainability accounting and accountability is fundamental in the pursuit of low-carbon and less unsustainable societies. Highlighting that accounting, organisations and economic systems are intertwined with sustainability, the book discusses how sustainability accounting and accountability broaden the spectrum of information used in organisational decision-making and in evaluating organisational success. The authors show how sustainability accounting can prove to be transformative, but only if critical questions are sufficiently addressed. This new and completely rewritten edition provides a comprehensive overview of sustainability accounting and accountability. Relevant global context and key concepts are outlined providing the reader with the conceptual resources to engage with the topic. Drawing on the most recent research and topical practical insights, the book discusses a wide variety of sustainability accounting and accountability topics, including management accounting and organisational decision-making, sustainability reporting frameworks and practices, as well as ESG-investments, financial markets and risk management. The book also highlights the role accounting has with key sustainability issues through dedicated chapters on climate, water, biodiversity, human rights and economic inequality. Each chapter is supplemented with practical examples and academic reading lists to allow in-depth engagement with the key questions. Sustainability Accounting and Accountability walks the reader through a spectrum of themes which are essential for all accountants and organisations. It helps the reader to understand why our traditional accounting techniques and systems are not sufficient for navigating the contemporary sustainability challenges our societies are facing. This key book will be an essential resource for undergraduate and postgraduate instructors and students, as an entry point to sustainability accounting and accountability, as well as being a vital book for researchers.

Running with the Big Dogs In The Wizard of Oz, Dorothy's Toto was clearly a dog of character. He knew when to sit still, when to bark, and when to make a fuss. He was simply a real dog with real observations about real situations. And the Oz experience reinforced what his parents taught him as a small pup: Care deeply. Bark only when necessary but then, forcefully. Be curious. Express yourself. Embrace the world and have no fears. The story of Dorothy's journey to Oz has captivated generations of children and adults alike since it was first published by L. Frank Baum in 1900. Dorothy's adventures have been analyzed from virtually every perspective-psychological, historical, economic, and the like-except from the perspective of the only other character that was with her every step of the way: Toto Dorothy's little dog wrote this book and buried his manuscript in a can with an old bone on the original Gale farmstead. Dr. Fickenscher came upon it quite accidently and was given the opportunity to edit Toto's original thoughts on the Leadership Lessons from The Wizard of Oz, which he now shares with you. Of course, there are the usual thoughts on brainpower, heart, and courage, but in this book, there is much, much more. The many lessons of Oz will captivate your imagination and, no doubt, serve as a guide in your quest to become a better leader Toto's Reflections will help you contribute to making a difference in the world, and challenge you to consider what you can do, starting right now, to make the world a better place

This book analyzes the impact of Basel Accord in Bangladesh. More specifically, it focuses on the credit risk homogenization under standardized approach of Basel Accord where External Credit Rating Agencies (ECAIs) are allowed to rate the exposures, the potential risk of allowing sub-ordinated debt (Sub-debt) as Tier 2 capital, and multiple bank distress cases as a real-world scenarios. In doing so, the book explores why the ECAIs rating fail to capture the real credit risk of exposure and to what extent sub-debt is reliable as regulatory capital. With that, the book's scope is categorized into three tracts (i) analyzes the ECAIs incentive and sanction issues from institutional economics perspective (ii) discusses the ill-impact of Naive adoption of sub-ordinated debt as regulatory capital and its associated risk on financial system, and (iii) providing readers an empirical illustrations of bank distress when an economy tapped into institutional failures in the above-mentioned tracts (i) and (ii).

A focused, user-friendly introduction to international financial reporting International Financial Reporting, 8th edition by Melville employs a practical, applied approach in exploring and explaining the key financial standards. With more than 140 countries in the world now using international financial reporting standards (IFRS (R) Standards), knowledge of the standards issued by the International Accounting Standards Board (IASB (R)) is vital to your success in financial accounting. Offering a thorough introduction to international financial reporting, this new edition brings the book completely up-to-date with international standards issued as of 1 January 2022. The title is suitable for second-year undergraduates studying for a degree in accounting and finance and those preparing for examinations for the professional accounting bodies. It explains each standard as clearly and concisely as possible and provides plenty of worked examples and solutions. End-of-chapter exercises feature questions from past exam papers of key professional accountancy bodies to test your grasp of the topics introduced in that chapter. 'Melville's textbook is accessible, comprehensive, reliable, and a pleasure to read.' Dr. Neil Dunne, Trinity College Dublin 'A practical book which takes a very technical subject and breaks it down into concise sections which are easy to follow.' Emma James, Swansea University Pearson, the world's learning company.

This text is designed to teach accurate financial accounting, which has the communication of relevant financial information to internal and external users as its primary subject. This volume represents to focus on new directions with special emphasis on concepts, rational, measurement, and reporting. With this in mind, I have attempted to impart these principles in this book. All of the financial terms are described using easy-to-understand terminology, as are the financial ratios. I believe this book would make an excellent addition to the library of any finance or non-finance individuals who are involved in personal or business accounting. I hope this book will be a key to every reader's success.