FOREWORDThe core concept is not just saving money, but saving time and energy as well. These savings are multiplied together, giving you more money to invest. To summarize, I created the equation: $ET = M2 to INVEST, in which saving Money, Energy, and Time ($ET) are multiplied to generate (=) More Money (M2) to INVEST. This equation is fundamental to your success You must be prepared to take action to start having enough money to accomplish your goals, to stop living paycheck to paycheck, and to retire early. If you are on course to make the same income as last year or, worse, facing declining take-home pay because of ever-increasing taxes, medical costs and declining economy, don't give up Saving money, energy, and time will generate more money to invest-creating real income and wealth. Transforming you from consumer to producer You must expand yourself personally as well as enhance your inner and micro economics. Rather than growing a mega-company's revenue or the financial fortitude of millionaires' pockets, you are going to grow your own individual savings account, retirement plan, and children's college funds. This book is a guide to help you create a path and roadmap to a life of saving money, reducing debt, living efficiently, and creating wealth by investing within a reasonable timeframe.Together we will examine four major building blocks that inspire and accelerate behavioral changes: 1.Why and how to change your behavior and lifestyle.2.How to save money, energy, and time.3.How to invest your money, energy, and time savings to improve your present situation and build for the future.4.How to create and implement a transformation plan.Progressive ideas and hilarious cheap strategies are also detailed. These are necessary to exceed your personal and financial goals. I want you to be thrilled about life, saving money for a brighter future, and early retirement, while having fun at the same time. You may become frustrated when your dreams seem unattainable, but there are transformation plans that can be implemented within days, weeks, and years. In the pages that follow, you will find transformation plans with instructions on how to complete them. If you follow these guidelines, your transformation from consumer to producer will start or be accelerated today. You might find that the strategies and behavioral changes described herein require a paradigm shift-but change is a good thing Expect to Win If we are to get anywhere beyond where we are today in any facet of life, we cannot stop dreaming; we cannot give up. Opportunities are everywhere Live with thoughts of abundance and expect each day to be wonderful, perfect, and full of promise Always start off thinking positively, with a smile. The plan is to take action, and "Better Sooner Than Later," so let's begin....Where do you want to be in four weeks, three months, or five years?"Darryl Wortham has written a comprehensive and easily readable how-to that goes much further than the trite, formulaic self-help books of the past two decades. Forged from personal and professional experience and filled with simple, practical and achievable exercises, it is a timely must-read for anyone and everyone who wants to live well and retire comfortably."Joe Fortine(Director, Alumni Relations, New York Institute of Technology)

Employers often ascribe values to gender and sexual orientation that override truly relevant personal characteristics including ability, intelligence and dedication. Policy makers and business leaders need to be informed and involved in creating a workplace climate that openly accepts all people. This volume highlights concerns such as gender barriers to occupational advancement, sexual harassment and female vulnerability, and heterosexual men as targets of sexual harassment.

Diamant and Lee discuss the origins and development of sexual stereotypes that form the basis for discrimination. Busines leaders must educate themselves and their employees to understand the wide range of differences that exist in the workforce. "The Psychology of Sex, Gender, and Jobs" offers solutions to managing the workforce of today.

How to make your Corporate Board a Strategic Force in Your Company's Success. A practical handbook for directors, officers and all those who care about boards of directors. The most practical, reader friendly guide available to recruiting and managing on-track, top-notch boards - the kind that serve as pivotal success factors for all companies, large and small, public and private. Learn how to avoid the 10 most common mistakes, The author's guidance is backed up by massive research and hundreds of interviews, examples and anecdotes. Great boards mean great companies.

BASED ON THE NO 1 HIT PODCAST 'The Lazarus Heist' 'You'll never see North Korea the same way again' Oliver Bullough, author of Moneyland 'One of the most incredible cyber-espionage stories I've ever heard' Jamie Bartlett, author of The Missing Crypto Queen 'Pacy and eye-popping' - Tom Burgis, author of Kleptopia They have been accused of causing mayhem in Hollywood with 2014's infamous Sony hack. They're allegedly behind WannaCry, a cyber-attack which brought NHS hospitals to a dangerous standstill. And it has been claimed that they have stolen more than $ 1bn in an international crime spree. They are the Lazarus Group, a shadowy cabal of hackers accused of working on behalf of the North Korean state. From the streets of Dhaka to the casinos of Macau to the secretive capital of Pyongyang, this shocking story uncovers the secret world of the Lazarus Group, their victims and those who have tried - and so far, failed - to stop them. 'Madly intriguing' Guardian

Physicians and other medical professionals today must acquire far more business knowledge than they did even a generation ago. Whether you are directly involved in a medical practice acquisition, sale or merger, or you are a consultant or hospital executive needing to know more about the acquisition process, you must understand how to arrive at a fair valuation, negotiate a sales price and complete a successful deal. To gain this knowledge, you need a comprehensive reference book that explains situations, provides helpful case studies and answers your questions. In Buying, Selling & Merging a Medical Practice, successful medical management consultant Kenneth Hekman has compiled an all encompassing sourcebook that contains the explanation, techniques and proficiencies necessary to send you to the negotiating table well-equipped to complete a successful deal. Hekman covers the entire subject of buying, selling and merging medical practices by presenting its component parts in clear, concise language.

Kurt Behm was a typical, middle class baby-boomer kid growing up in the 1950s. While playing badminton with his Sister in the back yard, he tried to retrieve a shuttlecock (birdie) that got stuck up in one of the pine trees which separated the woods from his backyard. His Mothers aluminum clothespole was his weapon of choice. Again and again he threw it up into the tree with no success, until all at once it looked like the 4th of July. Fire and sparks were everywhere. The aluminum clothes pole had threaded itself between the electrical wires that ran hidden through the trees. It was now acting as a conductor between all three wires, creating an effect his father later compared to Guadalcanal. The ensuing fire burned the woods completely to the ground. A year later and amidst the charred remains, his township had the foresight and the vision to turn that rubble into what every red-blodded boy of that era dreamed of having for himself ............. a Playground. Kurt's life from then on would never be the same

Master the key marketing challenges and see how you can develop meaningful connections with your customers. Principles of Marketing, global edition, 19th edition by Kotler and Armstrong shows you how to create vibrant, interactive communities of consumers in today's fast-changing, increasingly digital and social marketplace. Ideal for students who study marketing courses, this textbook offers a comprehensive overview of the fundamental principles of marketing within an innovative customer-value framework, providing you with the knowledge and resources to create vibrant, interactive communities of consumers who make products and brands an integral part of their daily lives. This latest edition has been revised and enhanced to reflect the major trends impacting contemporary marketing, packed with stories illustrating how companies are using new digital technologies to maximise customer engagement and shape brand conversations, experiences and communities. Key features include: Both traditional and fast-changing trending topics that give you a well-rounded knowledge of marketing concepts, technologies and practices. End-of-Chapter Reviews, Discussion Questions, and Critical-Thinking Exercises that allow you to practice what you have learned. A sample marketing plan showing you how to apply important marketing planning concepts. End-of-chapter Company Cases that facilitate discussion of current issues and application of marketing concepts to company situations. Also available with MyLab®Marketing MyLab is the teaching and learning platform that empowers you to reach every student. By combining trusted author content with digital tools and a flexible platform, MyLabMarketing personalises the learning experience and improves results for each student. If you would like to purchase both the physical text and MyLab®Marketing, search for: 9781292449272 Principles of Marketing, Global Edition, 19th edition plus MyLab®Marketing with Pearson eText. Package consists of: 9781292449364 Principles of Marketing, Global Edition, 19th edition 9781292449371 Principles of Marketing, Global Edition, 19th edition MyLab®Marketing 9781292449388 Principles of Marketing, Global Edition, 19th edition MyLab®Marketing with Pearson eText MyLab®Marketing is not included. Students, if MyLab is a recommended/mandatory component of the course, please ask your instructor for the correct ISBN. MyLab should only be purchased when required by an instructor. Instructors, contact your Pearson representative for more information. This title is a Pearson Global Edition. The Editorial team at Pearson has worked closely with educators around the world to include content, which is especially relevant to students outside the United States.

The world as we know it is changing. Find out how women leaders will best solve today’s challenges. The purpose of Leading Our Way is to explore new leadership models to address global challenges, through a compelling, personal and inspiring collection of stories of women leaders and role models, representing a variety of sectors, cultures and countries to which you, and especially girls and women, from across the world can relate to.   The key questions the book will lay out for you are the following: Does the world need a different type of leadership? What would be the leadership traits needed to address todays and future world challenges, and how can we foster such traits? What are the existing examples of women already showcasing a different leadership style, fit-for-purpose to solve todays challenges and lead the future? What is the role of women in shifting the dominant leadership approach? Do they have different leadership traits compared to men? How can we redefine leadership and success? How can we inspire new generations to act and lead in a more sustainable and equitable way? The book proposes new ideas and approaches to solving global challenges and defines the type of leaders the world needs for this to happen. It identifies the leadership traits that our companies and societies need to build a more sustainable and equitable world.  The conclusion outlines key take-aways and lessons learned, in order to define how women can and already are leading the way, towards a more inclusive, high-performing and sustainable model of leadership and world.

This book is the first one that comprehensively discusses cyberspace sovereignty in China, reflecting China’s clear attitude in the global Internet governance: respecting every nation’s right to independently choose a development path, cyber management modes and Internet public policies and to participate in the international cyberspace governance on an equal footing. At present, the concept of cyberspace sovereignty is still very strange to many people, so it needs to be thoroughly analyzed. This book will not only help scientific and technical workers in the field of cyberspace security, law researchers and the public understand the development of cyberspace sovereignty at home and abroad, but also serve as reference basis for the relevant decision-making and management departments in their work.

This book provides a general overview of barriers to women's advancement in organizations, especially those subtle barriers created by unconscious bias in evaluating women's work and misunderstanding differences in the communication and managerial styles of men and women. The book is based on the fact that women and men face two different work worlds- even if their organizational positions are identical- because the basis for evaluating and understanding women's and men's work is different. Separate sections deal with gender expectations and sex-role differences, fostering an understanding of how and why these different expectations occur and their organizational implications; communication and how differences are carried out and reinforced in organizations; and common organizational problems faced by women. Based on social science research, this book provides a better understanding of how gender influences organizational behavior.

Artificial intelligence is smarter than humans. It can process information at lightning speed and remain focused on specific tasks without distraction. AI can see into the future, predict outcomes and even use sensors to see around physical and virtual corners. So why does AI frequently get it so wrong and cause harm?

The answer is us: the human beings who write the code and teach AI to mimic our behaviour. Scary Smart explains how to fix the current trajectory now, to make sure that the AI of the future can preserve our species. This book offers a blueprint, pointing the way to what we can do to safeguard ourselves, those we love and the planet itself.

Several years ago I was on a plane flying to Europe to work on building the distribution network for our family business. As we were flying over the Atlantic, I was finishing my dinner and watching the first movie of the flight when the pilot came on with a standard announcement that frequent fliers hear all the time: Ladies and gentlemen, I have had to illuminate the 'fasten seat belt' sign because we are getting indications there will be some rough air ahead. I thought about that for a minute and the number of times I had heard that announcement over an aircraft PA system, and it struck me what an appropriate analogy it was for those operating their own small business. No matter where you fly, or what airline you fly, if you are in the air for any extended period of time you will hear that announcement. Every time you hear it that feeling of slight discomfort occurs-not panic or extreme stress, just slight discomfort and the thought that you hope this does not last long. All small business owners, whether they are a one-man show, or they have hundreds of employees, are pre-occupied with the same challenge. How do they maximize the value of their business? Using the backdrop of the lifecycles of small business, the 40-year case history of our core family business, examples from other successful entrepreneurs, and my management techniques, Rough Air Ahead gives the small business owner the tool they need to start their business, grow their business, manage their business, and exit wealthy This book will help all small business owners understand where their business is today, where it might be headed, and some of the challenges along the way.

101 Advisor Solutions: A Financial Advisor's Guide to Strategies that Educate, Motivate and Inspire is a must read for any financial advisor looking for tools, techniques, strategies and real world solutions to conquering common challenges! This book is designed to help you build a better business...one solution at a time.

A highly practical guide to help leaders make intentional choices and draw on their assets, thoughts, emotions, and behaviors to influence others, bridge differences, and initiate positive change. Reframing Change: How to Deal with Workplace Dynamics, Influence Others, and Bring People Together to Initiate Positive Change is based on the premise that if people act with integrity and learn to develop positive workplace relationships, a ripple effect can engender similar changes in the organization as a whole. Of extraordinary value to leaders, middle managers, and management students, it is a fresh and practical how-to manual for putting new ways of thinking to work in an organizational setting—one that backs its advice with results from a rapidly growing body of rigorous social science research. Organized around a series of essential skills, Reframing Change shows readers how to test assumptions about others, clear negative emotions and augment positive ones, build effective relationships, bridge cultural differences with people, deal with difficult situations, and initiate change in work environments. This advice is driven home with the stories of real people in real situations that explain key underlying principles, with a single storyline running through each chapter.

An essential work on teams—now updated with new research and tools and a new preface—X-Teams shows how an externally focused team model is the key to fueling innovation and your organization's success. You build a team around top-notch talent. The team members work well together; they're committed to the mission and are highly motivated to perform. Yet the results are disappointing. You're not seeing creativity and flexibility. You're not getting breakthrough ideas. "Good" teams build camaraderie, confidence in their abilities, and a solid process for working together. But these internal dynamics—while positive in themselves—can create a wall between the team and the outside world. And that wall can prevent the team from adapting to change and delivering value to the organization. In this updated, streamlined edition, with a new preface and practical tools, Deborah Ancona and Henrik Bresman describe an externally focused team model—the x-team—that is even more relevant today than when it was first introduced. With their distinctively flexible membership and leadership structure, x-teams continuously reach outward to fuel the innovation process. With new examples and research from organizations such as Microsoft, Takeda, and the Museum of Modern Art, Ancona and Bresman show you how to build x-teams that: Keep pace with shifts in markets, technologies, cultures, and your competition Innovate by moving quickly from generating ideas to executing and diffusing them throughout your organization Employ "distributed leadership" to unlock crucial information, expertise, and new ways of working together—wherever these qualities reside, whether within or outside your company In an increasingly complex and ever-changing world, where adaptability and creativity are paramount to an enterprise's success—and even its survival—X-Teams is your handbook for winning.

Das Jahr 1993 war gepragt durch eine gravierende Wachstumsschwache, hohe Arbeitslosigkeit und mangelnde Investitionsbereitschaft in den Indu striestaaten sowie wachsende Armut und Wanderungsbewegungen in den Entwicklungslandem. Hinzu kam zeitweise eine tiefgreifende Verunsiche rung iiber die Zukunft unseres liberalen Welthandelssystems, was sich dampfend auf die Erholung der Weltwirtschaft auswirkte. Nicht zuletzt das zunehmende okologische Ungleichgewicht verlangt von Politik und Wirt schaft rasche und wirkungsvolle MaBnahmen, urn die natiirlichen Lebens grundlagen zu bewahren. Zunachst ist es Aufgabe der Politik, der Wirtschaft und den Biirgern ein deutige und verliiBliche Rahmenbedingungen fiir ihr Handeln vorzugeben. Aber allein kann die Politik die gegenwartigen globalen Umwalzungen nicht meistern. Nur durch gleichgerichtete auBergewohnliche Anstrengungen von Wirtschaft, Wissenschaft und Politik werden wir die wirtschaftlichen, okolo gischen und sozialen Herausforderungen bestehen konnen. Die Intensivierung der intemationalen Arbeitsteilung und somit wachsende Interdependenzen und Verflechtungen fiihren zu neuen Anforderungen. Die Wettbewerbsfahigkeit einer Volkswirtschaft kann nur gesichert werden, wenn es gelingt, Strukturwandel und technologische Entwicklungen rasch umzusetzen. Dies bedingt wiederum, daB die Qualifikation von Fiihrungs und Fachkraften ein ganzes Erwerbsleben lang mit dem Wandel Schritt halt. Die Bereitschaft zu lebenslangem Lemen muB daher heutzutage fiir jeden Beschaftigten eine Selbstverstandlichkeit sein."

This book provides core coaching principles and beliefs for you to operate from as you manage your team, as well as guidance to help you develop key coaching skills including listening, asking effective questions, building rapport and how to give constructive (performance-based) feedback.

The Secrets of Great Wealth: Secrets the Rich Would Wish You Never Knew is an interesting story of financial information that can change your life and rewrite your financial story forever. Cast against the background of ordinary-day examples, you will discover the easy possibility that you can achieve financial freedom in your life-time. In fact, right about now, as you heed the instructions it contains, your life can begin to attract the financial fortunes you may only have seen in your dreams. With insight given on how you can play the stock and real estate markets, two reputable and popular investment channels for wealth creation, you may have to sack your brokers in both markets, and still be able to play these markets profitably yourself, creating wealth for your financial freedom in the process. This book covers insightful information on the following areas: It identifies the greatest secret to wealth;It will teach you secret strategies on Real Estate investment in Nigeria with or without capital;It will enlighten you on how to complete a three-bedroom flat with less than three million naira;You will be taught how to become an expert trading on the Nigerian Stock Market without having to rely on your stock broker;It will reveal to you the secret of Marital Harmony;It will help you develop and achieve the goal of financial freedom; You will be helped to discover your purpose and fulfil your destiny;You will learn how to set achievable goals, make good plans and budget your way into wealth;You will discover the greatest business that can give you residual income without you working;You will be inspired to discover and pursue your passions;You will learn how many incomes there are and how to use them to multiply your wealth; You will be exposed on what to do before retirement to live the kind of life you desire in retirement;You will learn how the super rich make their budget; You will also learn how to tithe your way out of poverty into wealth and how to buy land in Nigeria successfully; including how banks trap unsuspecting Nigerians into mortgage debt and the way out of it. This book essentially teaches that you can rewrite your financial story by yourself

The newest entry in the multi-million-copy-selling 'No F*cks Given Guides' series from New York Times best-selling author Sarah Knight, showing how taking a little more responsibility can bring a lot more satisfaction to life.

Best-selling author Sarah Knight returns with her latest collection of hard-hitting advice for the modern adult who doesn't quite know how they got here. Whether you're searching for your ideal adult form, or just beginning to bridge the gulf between being fully dependent and gloriously independent, Sarah Knight has the hard-earned wisdom to get you from total helplessness to reliable resourcefulness.

Packed with key life hacks such as Communication, Personal Responsibility, and Life Experience, Grow the F*ck Up puts all the advice your parents tried to give you in one handy package that will help you get your life firing on all cylinders. Blissfully free of judgment and packed with the tools to identify mindset minefields and correct puerile proclivities that prevent one from becoming a truly mature, responsible, independent individual, this toolkit provides everything you need to succeed at being a fully-fledged, capital-a Adult.

"Retailers today are able to generate the critical customer information on traffic and conversion rates that turn from their traditional anecdotal reflections ... in Conversion Mark Ryski tells us all that we need to know to make that shift a reality. A true find for any retailer looking for dramatic improvements in business outcomes "- Len Schlesinger President, Babson Collegeformer Vice Chairman and COO, Limited Brands"A retail brand is built from the cumulative effects of its shoppers' experiences over time, making learning from these experiences a strategic priority for retailers in order to drive business value. Converting customers into buyers is the first step in creating a sustained partnership that results in value for all. The strategies introduced in this book will help retailers of all sizes and categories convert their customers' experiences into future buyers."- Pat Conroy Vice Chairman, Deloitte LLP& Consumer Products Practice Leader"Half the battle is finding the right things to measure for your business and industry. Ryski is right that conversion is a critical metric for retailers who care about revenue, profits, and growth."- Thomas H. Davenport President's Distinguished Professor, Babson College & Author of Competing on Analytics andAnalytics at Work