Praise for SAFELY PROSPEROUS or REALLY RICH? "Howard's brilliant concept that the roads to Prosperity and Riches are very different is very liberating. In most financial books, the author would never do what Howard has done-recount with unflinching honesty the big financial mistakes he and his subscribers have made over the years so readers can avoid the same stumbling blocks and pitfalls. Only a very secure man would have the guts to do that." -Robert Allen author of Multiple Streams of Income and Nothing Down "Howard Ruff is back, offering a wealth of powerful new financial advice for America's middle class. In his new manual, Safely Prosperous or Really Rich?, he challenges you to choose between two roads. The older I get, the more I favor 'Safely Prosperous,' but you make the call. I also love Howard's old-fashioned moral perspectives on money." -Mark Skousen editor of Forecasts and Strategies "Safely Prosperous or Really Rich? is destined to be one of the most influential books of the early twenty-first century, just as his mega bestseller, How to Prosper During the Coming Bad Years, changed millions of lives in the late '70s. Welcome back, Howard." -John Mauldin author of Bull's Eye Investing

A comprehensive guide to reclaiming your financial life

After the dramatic mortgage crisis and stock market collapse, people are beginning to recognize that the only way to secure their financial future is to take charge of their own spending and saving habits. You can survive this crisis, solve your credit problems, and move on to achieve your dreams, and "Credit 911" can show you how.

With this book, author Rodney Anderson-a mortgage banker with over twenty years experience reviewing real-life credit cases-shares his intricate understanding of what it takes to improve your credit score and financial standing.Outlines a practical approach to solving debt and credit problems, as pertaining to marriage, divorce, collections, borrowing, co-signing as well as overcoming foreclosures, short sales, and bankruptciesShows you how to re-establish your credit and what lenders look forReveals the tricks of credit card companies and how to set up a system to monitor accounts, track payments, comparatively shop for credit cards, avoid credit chasing, and maintain overall capacityDiscusses how to pick the right realtor as well as the right lender, how to secure a mortgage, and to avoid overspending on insurance

We live in a credit economy. Our lives are governed by credit. "Credit 911" provides you with a solid understanding of how this system works and offers timely tips on taking control of your financial destiny.

Starting from the practical viewpoint of, "I would rather be approximately right than perfectly wrong" this book provides a commonsense comprehensive framework for small business valuation that offers solutions to common problems faced by valuators and consultants both in performing valuations and providing ancillary advisory services to business owners, sellers, and buyers. If you conduct small business valuations, you may be seeking guidance on topics and problems specific to your work. Focus on What Matters: A Different Way of Valuing a Small Business fills a previous void in valuation resources. It provides a practical and comprehensive framework for small and very small business valuation (Companies under $10 million of revenues and often under $5 million of revenues), with a specialized focus on the topics and problems that confront valuators of these businesses. Larger businesses typically have at least Reviewed Accrual Accounting statements as a valuation starting point. However, smaller businesses rarely have properly reviewed and updated financials. Focus on What Matters looks at the issue of less reliable data, which affects every part of the business valuation. You'll find valuation solutions for facing this challenge. As a small business valuator, you can get direction on working with financial statements of lower quality. You can also consider answers to key questions as you explore how to value each small business. Is this a small business or a job? How much research and documentation do you need to comply with standards? How can you use cash basis statements when businesses have large receivables and poor cutoffs? Should you use the market method or income method of valuation? Techniques that improve reliability of the market method multiplier How might you tax affect using the income method with the advent of the Estate of Jones and Section 199A? Do you have to provide an opinion of value or will a calculation work? How do you calculate personal goodwill? As a valuation professional how can you bring value to owners and buyers preparing to enter into a business sale transaction? How does the SBA loan process work and why is it essential to current small business values? What is the business brokerage or sale process and how does it work? How do owners increase business value prior to a business sale? This book examines these and other questions you may encounter in your valuation process. You'll also find helpful solutions to common issues that arise when a small business is valued.

Charles Schwab

HOW ONE COMPANY BEAT WALL STREET AND REINVENTED THE BROKERAGE INDUSTRY

"This book tells the exciting story of how Charles Schwab revolutionized the financial services industry and shook up Wall Street forever. It is also an essential read for any aspiring entrepreneur."
--Jon Friedman, CBSMarketWatch.com

"A roller coaster ride of how industry-defining, world-changing businesses are built. John Kador shows us the legend behind the myth of Charles Schwab."
--Christine Comaford Lynch, General Partner, Novus Ventures

Charles Schwab: How One Company Beat Wall Street and Reinvented the Brokerage Industry combines a fascinating look inside the walls of one of today's great financial services firms with a razor-sharp portrait of the deeply principled maverick who drove that firm from vision to reality. Both highly entertaining and brutally honest, it paints a compelling picture of the company that brought stock investing to Middle America--and shook the staid brokerage industry to its core.

The United Nations included sustainable cities and communities in its 2030 SDGs. Cities and, on a smaller scale, neighborhoods, building managers and firms are now adopting technologies and information systems to help achieve the energy, economic, social and environmental transition. This volume gathers contributions on the key organizational success factors for this transition. To do so, it analyzes the role of information systems, use of data, and technological assistance solutions from multiple perspectives. The goal is to develop a framework that can successfully apply information systems to organizational and environmental issues for smart cities and smart buildings. Accordingly, the book addresses living-lab experiment evaluation techniques, and provides critical analyses of the role of the environment, context and users' behavioral responses. In addition, it discusses key questions on the efficient management of resources, need for appropriate IT solutions, and employing co-creation with users to improve planning and organization.

With the exponential growth of program trading in the global financial industry, quantum finance and its underlying technologies have become one of the hottest topics in the fintech community. Numerous financial institutions and fund houses around the world require computer professionals with a basic understanding of quantum finance to develop intelligent financial systems. This book presents a selection of the author's past 15 years' R&D work and practical implementation of the Quantum Finance Forecast System - which integrates quantum field theory and related AI technologies to design and develop intelligent global financial forecast and quantum trading systems. The book consists of two parts: Part I discusses the basic concepts and theories of quantum finance and related AI technologies, including quantum field theory, quantum price fields, quantum price level modelling and quantum entanglement to predict major financial events. Part II then examines the current, ongoing R&D projects on the application of quantum finance technologies in intelligent real-time financial prediction and quantum trading systems. This book is both a textbook for undergraduate & masters level quantum finance, AI and fintech courses and a valuable resource for researchers and data scientists working in the field of quantum finance and intelligent financial systems. It is also of interest to professional traders/ quants & independent investors who would like to grasp the basic concepts and theory of quantum finance, and more importantly how to adopt this fascinating technology to implement intelligent financial forecast and quantum trading systems. For system implementation, the interactive quantum finance programming labs listed on the Quantum Finance Forecast Centre official site (QFFC.org) enable readers to learn how to use quantum finance technologies presented in the book.

Urban design enables better places to be created for people and is thus seen in Urban Design in the Real Estate Development Process as a place-making activity, rather than the application of architectural aesthetics. Urban design policy can change the 'decision environment' of developers, financiers, designers and other actors in the real estate development process to make them take place-making more seriously. This book reports diverse international experience from Europe and North America on the role and significance of urban design in the real estate development process and explores how higher quality development and better places can be achieved through public policy. The book is focused on four types of policy tool or instrument that have been deployed to promote better urban design: those that seek to shape, regulate or provide stimulus to real estate markets along with those aim to build capacity to achieve these. Urban design is therefore seen as a form of public policy that seeks to steer real estate development towards policy-shaped rather than market-led outcomes. The editors set the examples, case studies and evidence from international contributors within a substantive discussion of the impact of urban design policy tools and actions in specific development contexts. Contributions from leading urban design theorists and practitioners explore how: * Masterplanning and infrastructure provision encourage high quality design * Design codes reconcile developers' needs for certainty and flexibility * Clear policy combined with firm regulation can transform developer behaviour * Intelligent parcelisation can craft the character of successful new urban districts * Powerful real estates interests can capture regulatory initiatives * Stimulus instruments can encourage good design * Development competitions need careful management * Design review can foster developer commitment to design excellence * Speculative housebuilders respond in varied ways to the brownfield design challenge * Physical-financial models could help in assessing the benefits of design investment * Urban design can add value to the benefit of developers and cities as a whole.

"I have known Michael for over twenty years. He has one of the smartest business minds I know. When he gives me advice, I pay attention, and you should, too. Automatic Wealth is full of wisdom and insight filtered by a master and brought to you in a well-written and delightful style."
--John Mauldin, Editor of the bestselling book, Just One Thing: Twelve of the World's Best Investors Reveal the One Strategy You Can't Overlook

"I am not usually a fan of this kind of book. One entitled Automatic Wealth made me suspicious. But I am a fan of Michael Masterson, and when I read the book, I was impressed. Masterson manages to go beyond the theory to tell you exactly how real people make real money in the real world. That, I think, is his genius. He's able to open his own eyes and see for himself what actually works. The result is original, clever, and very helpful to anyone who is serious about building wealth."
--Bill Bonner, coauthor of Empire of Debt: The Rise of an Epic Financial Crisis

"Michael Masterson has been a great friend of mine for over twenty years. I know for a fact that the strategy he teaches is the exact same strategy he has personally used to amass extraordinary wealth and prosperity for himself. He's reduced a normally daunting process down to six simple and unfailing steps YOU can absolutely use to vastly and rapidly increase your financial situation, often times doubling and redoubling your wealth every few years. This book will become your financial bible."
--Jay Abraham, author of Getting Everything You Can Out of All You've Got: 21 Ways You Can Out-Think, Out-Perform, and Out-Earn the Competition

"Michael Masterson's book is brilliant andconcise, packed with breakthrough insights and unique wealth-building tips. Best of all, it's practical because it combines proven investment and financial planning advice with street-smart business and real estate secrets."
--Robert Ringer, author of Action!, Looking Out for #1, and To Be or Not to Be Intimidated?

This book is focused on the recent developments on problems of probability model uncertainty by using the notion of nonlinear expectations and, in particular, sublinear expectations. It provides a gentle coverage of the theory of nonlinear expectations and related stochastic analysis. Many notions and results, for example, G-normal distribution, G-Brownian motion, G-Martingale representation theorem, and related stochastic calculus are first introduced or obtained by the author. This book is based on Shige Peng's lecture notes for a series of lectures given at summer schools and universities worldwide. It starts with basic definitions of nonlinear expectations and their relation to coherent measures of risk, law of large numbers and central limit theorems under nonlinear expectations, and develops into stochastic integral and stochastic calculus under G-expectations. It ends with recent research topic on G-Martingale representation theorem and G-stochastic integral for locally integrable processes. With exercises to practice at the end of each chapter, this book can be used as a graduate textbook for students in probability theory and mathematical finance. Each chapter also concludes with a section Notes and Comments, which gives history and further references on the material covered in that chapter. Researchers and graduate students interested in probability theory and mathematical finance will find this book very useful.

During the next 10 years, an estimated 40-50 percent of the partners in public accounting firms will retire. This exodus will place an enormous intellectual and financial strain on firms as they scramble to train and promote new partners, retire the existing ones in an orderly manner, and find the profitability to do so in extraordinarily lean economic times. Beyond the Days of the Giants: Solving the Crisis of Growth and Succession in Today's CPA Firms is a practical, readable implementation guide for your firm to use during this next critical decade. It gives step-by-step guidance on how to: Create a growth culture founded in practitioner-led value creation, Build a no-new-cost practice system to operate within it , and Renew practitioner accountability, not to disappearing Giant-centered value creation systems, but to evidence-based value management practice-led by our New Giants.

This book examines the role of intangible assets (IA) in companies and countries for achieving sustainable economic growth. The authors particularly focus on Sweden and other Nordic countries to analyse the IA gap using a systematized "IA metrics" approach. They also discuss the incentives needed for strategic investments into useful IA to gain national competitiveness from an economic, social and environmental policy perspective. The authors contend that despite the increasing importance of IA and intellectual capital (IC) in the economy, the current discussion has only been centered on intellectual property, which is one of the more prominent forms of intangibles. As this book demonstrates, IC and IA encompass wider dimensions of human, process, market, and renewal capital, among others. Featuring real case examples from Spotify, Minecraft and Izettle, this book offers a strategy for the resurrection of competitive advantage in the globalized economy and the advancement of some key United Nations Sustainable Development Goals (SDGs).

A history of the Jewish National Fund and the ways it encouraged Jews around the world to buy land in Palestine in the years 1924-1947. The Jewish National Fund [JNF] is the executive body established by the Zionist movement in 1902 to buy land in Palestine for the Jewish people. Very quickly, however, it became an international organization and soon had branchesin many countries throughout the world. One of the tasks of these branches was to mediate between the central office in Jerusalem and the millions of Jews who donated money to buy land. The organization, which is still active throughout the Jewish world, concerned itself with "the marketing of ideology": the dissemination of symbols, knowledge and ideas to the masses of the Jewish people, and converted them into money and real estate property. In thememories of much of World Jewry the JNF is linked with memories of their childhoods and the forming of their identities. The memory was, in fact, fashioned by the Propaganda Department of the JNF which worked through the mass communications media in the Jewish world and made its presence massively felt in the Jewish education networks in many countries. Among the most remembered items are "the Blue Box", the flagship of the organization, and the stamps distributed to schools, which were miniature posters making political declarations. Up until today there has been virtually no research carried out on these aspects of Zionist propaganda which helped to fashion this collective memoryand left its mark upon Jewish culture in Israel and the Jewish Diaspora. Yoram Bar-Gal is Professor of Geography at Haifa University in Israel.

The EU Action Plan on Financing Sustainable Growth is the most advanced and comprehensive policy agenda on sustainability in the world. But is it going in the right direction? Acting as a bridge between policy and academia, this up-to-date contribution to the global policy debate brings together some of the leading experts from the European Commission's High-Level Expert Group on Sustainable Finance, to discuss how the financial system needs to be reformed to promote sustainability. Finance has long been criticized for being short-term focused and concerned with maximizing returns to intermediaries, rather than with the interests of savers and borrowers. The financial system must now take into account environmental, social and governance considerations to support a sustainable economy and this volume offers new insights on the way forward. A must-read for anyone working on financial sector policy and sustainability.

Das Controlling braucht Leitbilder, die von der Controllingorganisation und dem internen Kunden entwickelt, akzeptiert und gelebt werden. Deshalb erarbeitete Deutsche Post World Net eine Vision fA1/4r CFO und Controlling - weg vom Image als Zahlenschieber hin zur Rolle des Advanced Navigator, also zum fortgeschrittenen Steuermann. In dieser Rolle rA1/4cken CFO und Controller dichter an das operative Geschaft. Die Definition des Advanced Navigator ist ein Ergebnis einer breiten empirischen Studie, in der sich die Controllingorganisation einer eingehenden Selbst- und Fremdevaluation durch den internen Kunden gestellt hat. Basierend auf den Studienergebnissen setzte Deutsche Post World Net ein Programm zur Steigerung der Performance und Effizienz der Controllingorganisation um. Die Autoren beschreiben in diesem Band die neue Rolle von CFOs und Controllern und wie eine derartige Neudefinition in einem internationalen Konzern umgesetzt werden kann. Letztlich ist die Umsetzung die groeA te Herausforderung auf dem Weg, den Controller zum akzeptierten Partner und Navigator des Managements zu machen.

"This investment is all about integration of processes, data, technology, and, crucially, our culture. Knitting together our people and getting them to share and communicate is critical." PHIL BENTLEY, CFO, CENTRICA

"We look to globally share our information on brands, knowledge, consumer insights…What we need now is outstanding decision-support tools, built around our structured database…We need an analytical environment which will fuel our growth, not just cut our costs." GARY FAYARD, CFO, THE COCA COLA COMPANY

"What differentiates success in this industry is the ability to execute. This, coupled with our installed infrastructure represents our competitive advantage. More and more, we are being asked to build total solutions." JIM DALEY, CFO, EDS

"Our mantra in finance: driving superior performance and being more proactive. What, exactly, does this means? Driving functional excellence, setting standards, and developing KPIs for risk management and decision support. Our priorities in finance? Playing our part in developing our global business approach." WOLFGANG REICHENBERGER, CFO, NESTLE

Today, the CFO's role has moved beyond that of understanding and harnessing the awesome resources of eBusiness to proactively integrating those resources - across business functions, alliance partners, and geographic boundaries to create a truly global company. The CFO as Business Integrator is a practical, results-driven guide to reaping the benefits of new integration technology and shaping a new, forward-driving finance agenda around the financial supply chain, managed services, and advanced analytics and decision-support.

The definitive guide to capital markets regulatory compliance Governance, Compliance, and Supervision in the Capital Markets demystifies the regulatory environment, providing a practical, flexible roadmap for compliance. Banks and financial services firms are under heavy regulatory scrutiny, and must implement comprehensive controls to comply with new rules that are changing the way they conduct business. This book provides a way forward, with clear, actionable guidance that strengthens governance at all levels, and balances supervisory and compliance requirements with the need to do business. From regulatory schemes to individual roles and responsibilities, this invaluable guide details the most pressing issues in today's financial services organizations, and provides expert advice. The ancillary website provides additional tools and guidance, including checklists, required reading, and sample exercises that help strengthen understanding and ease real-world implementation. Providing both a broad overview of governance, compliance, and supervision, as well as detailed guidance on application, this book presents a solid framework for firms seeking a practical approach to meeting the new requirements. Understand the importance of governance and "Tone at the Top" Distinguish the roles of compliance and supervision within a financial services organization Delve into the regulatory scheme applicable to broker dealers, banks, and investment advisors Examine the risks and consequences of inadequate supervision at the organizational or individual level The capital markets regulatory environment is complex and ever-evolving, yet compliance is mandatory. A solid understanding of regulatory structure is critical, but must also be accompanied by a practical strategy for effective implementation. Governance, Compliance, and Supervision in the Capital Markets provides both, enabling today's banks and financial services firms to get back on track and get back to business.

Dieses Buch nimmt Sie an die Hand und fuhrt Sie zielsicher zu bestandenen Prufungen in der Mathematik-Grundausbildung Ihres Studiums. Als Autoren wurden zwei erfahrene Hochschullehrer gewonnen, denen die Beruhrungsangste und alle Unsicherheiten von BWL-Studierenden mit der Mathematik aus langjahriger Tatigkeit an den hoechsten Schulen der Republik zutiefst vertraut sind. Einfach in der Sprache, verstandlich in der Methodik, anregend mit vielen ausfuhrlich vorgerechneten Beispielen - so prasentiert sich ein Buch, das als Begleiter im BWL-Grundstudium ausdrucklich zu empfehlen ist. Leserservice und online-Hilfe sind selbstverstandlich. In die 4. Auflage wurden die Rechenmethoden zur Linearen Optimierung (Simplex-Verfahren) integriert. Ausserdem wurde das Buch durch den Themenkomplex Wahrscheinlichkeit/Statistik wesentlich erweitert. UEbungsaufgaben und Loesungen zum Lehrbuch liegen in einem separaten Band vor.

Ole Martin extends well-established techniques for the analysis of high-frequency data based on regular observations to the more general setting of asynchronous and irregular observations. Such methods are much needed in practice as real data usually comes in irregular form. In the theoretical part he develops laws of large numbers and central limit theorems as well as a new bootstrap procedure to assess asymptotic laws. The author then applies the theoretical results to estimate the quadratic covariation and to construct tests for the presence of common jumps. The simulation results show that in finite samples his methods despite the much more complex setting perform comparably well as methods based on regular data. About the Author: Dr. Ole Martin completed his PhD at the Kiel University (CAU), Germany. His research focuses on high-frequency statistics for semimartingales with the aim to develop methods based on irregularly observed data.

Applied International Economics, 5th edition, offers a modern and accessible treatment of international economics, shifting the emphasis from pure theory to the application of theory by using the standard tools of economic analysis. This new and streamlined edition makes the real-world application of international economics even more clear than previous editions, and focuses on the basics that students will need in order to analyze information on the world economy throughout their future careers. The new edition has been refocused, revised, and thoroughly updated. Key features include: Expanded coverage of China's role in the world economy. New material on how changes in trade flows can be decomposed into the extensive and intensive margins of trade. New material on the use of Section 301 of U.S. trade law and the U.S.-China trade dispute. Updated coverage of Brexit. A new focus on the sole use of the Mundell-Fleming model to analyze balance of payments issues. Improved linkages between the concepts of purchasing power parity and the real exchange rate. Written in a thorough and engaging style, the book covers topics at a level appropriate for students specializing in business or international relations, as well as economics students. Along with a wealth of case studies and real-life examples, the book offers extensive pedagogical tools that include a companion website, end-of-chapter summaries, and explanations of key concepts and terms. For instructors, PowerPoint presentations and an extensive test bank are available.

The first edition of The Price of Football quickly established itself as the go-to guide to understanding football club finance for the serious fan. Kieran Maguire, one of the UK's top football finance analysts, shows how professional clubs operate as businesses and explains, in non-technical language, how to read, understand and interrogate club accounts. As a clear-headed analysis and presentation of the financial imperatives and challenges facing football clubs across the English and Scottish Leagues, it has become a welcome resource not only for students of the industry, but by a wider constituency of supporters looking to understand their club's latest transfer deal, or season ticket price. This fully revised and updated edition includes analysis of the most recent club accounts, the latest legal rulings on club affairs, as well as the impact of Covid-19 on the game's finances.

Susanne Rauscher and Annika Zielke provide an in-depth analysis of the relevance of nudging as a potential solution approach for behavioral issues within the area of Management Accounting. It challenges whether learnings from already successful applications of nudging especially in the social and political context can be transferred to the corporate environment of management accounting. This study contributes to the increasing interest in behavioral economics in the corporate context. Its findings have the potential to impact both academic research and practitioners' work.

Get federal investigative insight and guidance on conducting thorough investigations and case-building The ability to conduct thorough and effective investigations is a skill that has become increasingly in-demand across many industries. At the same time, investigative resources are dwindling as markets recede. Regulation and financial hurdles impede traditional investigation processes. Even seasoned professionals are finding themselves overtasked or lacking the experience to pursue the types of cases that are accumulating. In Investigator and Fraud Fighter Guidebook: Operation War Stories, author Charles E. Piper, CFE provides insight and guidance on how to conduct thorough and complete investigations while juggling a caseload. Piper served over 30 years in law enforcement-including 20 as an award-winning Federal Special Agent-Criminal Investigator. His wide array of experience allows him to lend a high-level perspective to the art and science of professional investigations of criminal, civil, and administrative cases. In the book, Piper provides guidance on conducting thorough and complete investigations (even with fewer resources) and spotting red flags that often indicate big-picture problems. Piper also shows how to: * Identify the suspect's other wrongful acts (similar and otherwise) * Identify similar wrongful acts committed by others, and predict future occurrences * Identify systemic weaknesses, waste, and abuse * Identify changes and corrections necessary to prevent future occurrences The book includes Piper's real-life investigative examples to illustrate important concepts. Whether the matter is public, private, or military, the same basic investigative principles apply. Things that may seem totally unrelated may hold the keys that crack the cases. The Investigator and Fraud Fighter Guidebook: Operation War Stories provides the acumen and judgment required to pick up on these clues and successfully conclude investigations.

The service industry has grown considerably over the last decades and is expected to further development. One of the challenges that service companies face is efficient service crew planning. The simultaneous optimization of delivery times and the routing of service personnel can lead to high cost savings and can therefore be very beneficial for these companies. In this book the author presents solution approaches that optimize delivery times and crew scheduling cost jointly. The performance of the methods is evaluated for different scenarios. Further valuable insights for the service industries are derived by analyzing the sensitivity of the optimization results. Potential readership includes scholars and graduate students who are interested in the field of service crew planning and practitioners from service companies looking for new planning approaches.