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Books > Business & Economics > Finance & accounting > Accounting > Management accounting

New Giants Rising - How Leaders Can Help People and Companies Grow During the Followership Crisis (Hardcover): Paul D. Fisher New Giants Rising - How Leaders Can Help People and Companies Grow During the Followership Crisis (Hardcover)
Paul D. Fisher
R4,469 Discovery Miles 44 690 Ships in 12 - 19 working days

The greatest concern for all Americans today - leaders and followers alike - is how their prosperity seems to depend on a shrinking foundation of technology-only growth. And the onset of artificial intelligence only threatens to marginalize people even more with job loss and increasing isolation inside the few remaining jobs that it will leave behind. This book helps us understand that business growth fueled by labor productivity does not rely on leadership as we've come to celebrate it, but on our ability to sustain loyalty and commitment to one another- a following if you will - inside and outside our workplaces. When we recognize and understand our historical Followership Cycles, we can begin to restore our workplaces to their lost role as a place to meet the demand of all Americans for a better future. This illuminating book: Provides a new, sustainable growth model based in the socioeconomic realities of modern America and the world it wants to lead - a new Followership System. Tells the story of how one profession, on the brink of disappearing into irrelevance, will lead the new Decision Economy into the 21st century. Demonstrates the development of the "leaderless" specialists who will manage evidence together to pursue a Reason-to-Grow. Stresses the importance of charging all C-Suite executives with leading a continuous process of discovering, articulating and then defending those stakeholder agreements to share purpose. Reveals, not the technology infrastructure, but the social architecture that organizations will use to build new social capital - the Followership that will propel our New Giants to future greatness. New Giants Rising takes us on a journey of the Followership Cycles of our recent past. And, more importantly, it puts forth a plan of action - voiced very simply by Henry Ford during the last cycle over a century ago when he faced the same moment then as we do now: "Coming Together is the Start. Keeping Together is Progress. Working Together is Success."

A Guide to Local Environmental Auditing (Paperback): Hugh Barton, Noel Bruder A Guide to Local Environmental Auditing (Paperback)
Hugh Barton, Noel Bruder
R1,634 Discovery Miles 16 340 Ships in 12 - 19 working days

Sustainable development is still seen by authorities as an abstract concept. Local Environmental Auditing will help put it into practice. The book provides a comprehensive guide to monitoring the state of the local environment and establishing the impacts of local actions on global issues, and shows how current local authority policy and practice can be adapted to recognize environmental priorities. The authors provide both a guide to and an assessment of the subject: they link the processes with the issues, with specific information on carrying out the audit (including checklists, case studies and standards) and a detailed discussion of the issues and choices which local authorities may face. Clearly structured and accessible, this will be an essential handbook, both for local government departments and other local organizations, and students in a wide range of subjects, including environmental science and health, town planning, urban and rural studies, social science and politics.

Activity Based Management - Improving Processes and Profitability (Hardcover): Brian Plowman Activity Based Management - Improving Processes and Profitability (Hardcover)
Brian Plowman
R3,732 Discovery Miles 37 320 Ships in 12 - 19 working days

This title was first published in 2001: Product and particularly customer profitability are black holes in most managers' understanding of their business. Identifying customer revenue is easy but identifying what they cost - so we can understand whether or not they are profitable - is difficult. In a world in which competition, regulation and the increasing use of the Internet put ever greater pressure on margins it is vitally important to understand both product- and customer-profitability. Activity Based Management (ABM) enables you to do this. This book explains the power of using ABM to increase the profitability of your business. It provides step-by-step guidance on basic principles, comparisons between traditional methods, definitions of processes, activities and cost-drivers as well as details of data collection techniques and implementation steps. Through the book's numerous detailed examples a logical picture builds up of how to obtain the benefits that ABM can deliver. On its own ABM will change management decision-making: by showing how ABM also supports other profit improvement initiatives such as Business Process Reengineering, Shareholder Value Added and Customer Relationship Management, managers will learn how they can use the best possible toolkit to put their business firmly on the road to leaps in profitability.

The Meaning of Company Accounts (Hardcover, 8th edition): Walter Reid, D.R. Myddelton The Meaning of Company Accounts (Hardcover, 8th edition)
Walter Reid, D.R. Myddelton
R5,843 Discovery Miles 58 430 Ships in 12 - 19 working days

The Meaning of Company Accounts first appeared in 1971 and quickly achieved recognition among managers, financial and non-financial alike. It is now seen as the standard text in the subject. It aims to help anyone using company accounts to gain a firm grasp of what they mean and how they relate to business activities. Throughout the book, ideas are developed in a logical, structured sequence, involving a high degree of reader participation, while at the same time being extremely flexible. The workbook approach, including examples to be worked through, enables readers to achieve understanding of topics they may previously have found difficult. This eighth edition has been thoroughly revised to ensure that the text and appendices are current. It includes up-to-date references of both international and UK accounting standards.

Behavioural Aspects of Auditors' Evidence Evaluation - A Belief Revision Perspective (Hardcover): Magda Abou-Seada, Magdy... Behavioural Aspects of Auditors' Evidence Evaluation - A Belief Revision Perspective (Hardcover)
Magda Abou-Seada, Magdy Abdel-Kader
R3,421 Discovery Miles 34 210 Ships in 12 - 19 working days

This title was first published in 2003. Based on psychological research, auditing studies have focused on 'belief revision' as a way of understanding how auditors evaluate evidence. Moreover a belief revision process is consistent with US auditing standards. UK standards on the other hand do not appear to give guidance on the process to follow when evaluating evidence. Research in the US indicates that auditors do in fact follow a belief revision process in accordance with US standards. Employing survey research (based on personal interviews with a number of experienced UK auditors) this book demonstrates how auditors prefer to be described as following the open mind approach. Building on the findings of the interviews the book then describes an experimental study to investigate the differences between the belief revision and open mind approaches in terms of their effect on the efficiency and effectiveness of the audit process. The book concludes that the belief revision approach would improve the efficiency of the audit process without affecting its effectiveness or outcomes.

Business Solutions for Budget Managers in Health and Personal Social Services (Paperback, New Ed): William S. Bryans Business Solutions for Budget Managers in Health and Personal Social Services (Paperback, New Ed)
William S. Bryans
R1,887 Discovery Miles 18 870 Ships in 12 - 19 working days
The Routledge Companion to Intellectual Capital (Hardcover): James Guthrie, John Dumay, Federica Ricceri, Christian Nielsen The Routledge Companion to Intellectual Capital (Hardcover)
James Guthrie, John Dumay, Federica Ricceri, Christian Nielsen
R6,768 Discovery Miles 67 680 Ships in 12 - 19 working days

The Routledge Companion to Intellectual Capital offers a comprehensive overview of an important field that has seen a diverse range of developments in research in recent years. Edited by leading scholars and with contributions from top academics and practitioners from around the world, this volume will provide not just theoretical analysis but also evaluate practice through case studies. Combining theoretical and practice perspectives, this comprehensive Companion addresses the role of IC inside and between organisations and institutions and how these contribute to the IC of nations, regions and clusters. Drawing on an extensive range of leading contributors,The Routledge Companion to Intellectual Capital will be of interest to scholars who want to understand IC from a variety of perspectives, as well as students who are seeking an authoritative and comprehensive source on IC and knowledge management.

A Short Guide to Contract Risk (Hardcover): Helena Haapio, George J. Siedel A Short Guide to Contract Risk (Hardcover)
Helena Haapio, George J. Siedel
R5,813 Discovery Miles 58 130 Ships in 12 - 19 working days

Savvy managers no longer look at contracting processes and documents reactively but use them proactively to reach their business goals and minimize their risks. To succeed, these managers need a framework and A Short Guide to Contract Risk provides this. The foundation of identifying and managing contract risk is what the authors call Contract Literacy: a set of skills relevant for all who deal with contracts in their everyday business environment, ranging from general managers and CEOs to sales, procurement and project professionals and risk managers. Contracts play a major role in business success. Contracts govern companies' deals and relationships with their suppliers and customers. They impact future rights, cash flows, costs, earnings, and risks. A company's contract portfolio may be subject to greater losses than anyone realizes. Still the greatest risk in business is not taking any risks. Equipped with the concepts described in this book, business and risk managers can start to see contracts differently and to use them to find and achieve the right balance for business success and problem prevention. What makes this short guide from the authors of the acclaimed Proactive Law for Managers especially valuable, if not unique, is its down-to-earth managerial/legal approach. Using lean contracting, visualization and the tools introduced in this book, managers and lawyers can achieve legally sound contracts that function as managerial tools for well thought-out, realistic risk allocation in business deals and relationships.

The Societal Relevance of Management Accounting (Paperback): Sven Modell The Societal Relevance of Management Accounting (Paperback)
Sven Modell
R1,136 Discovery Miles 11 360 Ships in 12 - 19 working days

This book explores the relevance of management accounting research and practice for a range of broader, societal phenomena related to corporate governance and regulation, the creation and maintenance of markets and their concomitant social and political implications. It also explores the theoretical and methodological implications of pursuing a research agenda exploring such phenomena in greater detail. Containing a number of theoretical, methodological and empirical contributions by leading management accounting scholars, The Societal Relevance of Management Accounting seeks to advance novel research approaches that go beyond the traditional intra-organisational focus that has long dominated management accounting research. As such, it seeks to enhance the relevance of management accounting research for a broader range of stakeholders and interest groups in and around individual organisations. This book was originally published as a special issue of Accounting and Business Research.

Net Present Value and Risk Modelling for Projects (Hardcover): Martin Hopkinson Net Present Value and Risk Modelling for Projects (Hardcover)
Martin Hopkinson
R5,823 Discovery Miles 58 230 Ships in 12 - 19 working days

The Net Present Value (NPV) forecast lies at the heart of the business case on many projects. Martin Hopkinson's guide explains when, why and how NPV models should be built for projects and how this approach can be integrated with the risk management process. NPV models tend to be used during the earliest phases of a project as the business case is being developed. Typically, these are the stages when uncertainty is at its highest and when the opportunities to influence the project's plan are at their greatest. This book shows how project financial forecasting and risk management principles can be used to both improve NPV forecasts and to shape the project solution into one that is risk-robust. The text is sufficiently broad to be practicable for first-time users to employ the methods described. But it also contains insights into the process that are likely to be new to the majority of experienced practitioners. All users should find that the models used in this book will help to provide useful templates for exploiting the techniques that are used.

The Routledge Companion to Performance Management and Control (Hardcover): Elaine Harris The Routledge Companion to Performance Management and Control (Hardcover)
Elaine Harris
R6,770 Discovery Miles 67 700 Ships in 12 - 19 working days

Performance management is key to the ongoing success of any organisation, allowing it to meet its strategic objectives by designing and implementing management control systems. This book goes beyond the usual discussion of performance management in accounting and finance, to consider strategic management, human behaviour and performance management in different countries and contexts. With a global mix of world-renowned researchers, this book systematically covers the what, the who, the where and the why of performance management and control (PMC) systems. A comprehensive, state-of-the-art collection edited by a leading expert in the field, this book is a vital resource for all scholars, students and researchers with an interest in business, management and accounting.

Bookkeeping Basics - What Every Nonprofit Bookkeeper Needs to Know (Paperback): Lisa M Venkatrathnam, Debra L Ruegg Bookkeeping Basics - What Every Nonprofit Bookkeeper Needs to Know (Paperback)
Lisa M Venkatrathnam, Debra L Ruegg
R636 Discovery Miles 6 360 Ships in 12 - 19 working days

No trained bookkeeper on staff? No problem. Many nonprofits don't have a trained bookkeeper on staff. This crucial function goes to whoever has the time and the willingness to do it. Lack of accounting training or background is not only frustrating for the individual, but also potentially risky for the nonprofit. Bookkeeping Basics will enable you to successfully meet the basic bookkeeping requirements of your organization. It gives you the knowledge and skills to track the financial activity of your nonprofit in a way that brings order out of chaos, safeguards the organization's assets, and provides useful information for making sound decisions. Clearly defines what you most need to know In plain language, the book explains concepts and processes you most need to know, including: single- versus double-entry bookkeeping; cash versus accrual basis accounting; posting financial transactions; keeping a "paper trail" of source documents; preparing a trial balance; creating financial statements; establishing internal controls; preparing for your annual audit; and closing out your fiscal year. Step-by-step instructions, clear definitions of terms, and detailed examples help you put concepts into actions. Reproducible forms include an accounts payable register, accounts receivable register, accounts receivable register, general ledger, financial summary form, grant tracking form, internal controls activity flow chart, and an audit preparation checklist.  Bottom line: If you're the bookkeeper for your nonprofit—by choice or default—this book is for you!

Employee Relations Audits (Hardcover): C Jennings, W.E.J. McCarthy, R. Undy Employee Relations Audits (Hardcover)
C Jennings, W.E.J. McCarthy, R. Undy
R2,367 Discovery Miles 23 670 Ships in 12 - 19 working days

This book, first published in 1990, is a practical manual which presents guidance on how to carry out and evaluate an employee relations audit. This title also provides audits for five key areas of employee relations, including communication and consultation, equality of opportunity and disciplinary matters. This book should be of interest to lecturers, post-graduate students and practitioners of management, personnel, employee relations and industrial relations.

Debt-Proof Your Marriage - How to Manage Your Money Together (Paperback, Repackaged Edition): Mary Hunt Debt-Proof Your Marriage - How to Manage Your Money Together (Paperback, Repackaged Edition)
Mary Hunt
R519 Discovery Miles 5 190 Ships in 10 - 15 working days

While financial disharmony can blow a marriage apart, financial harmony can bind it together. In this highly practical book, Mary Hunt helps couples bring the principles of intimacy-the foundation for harmony and debt-free living-into management of their money. These principles include acceptance, freedom, safety, and honesty in money matters, creating an atmosphere that unifies two lives into one. Debt-Proof Your Marriage is packed with real-life advice that infuses readers with hope and direction. It covers everything couples need for managing their money in harmony, including how to: * reconcile different money behaviors and beliefs * let go of financial fears * understand the basics of practical money management * share financial work between two people * manage roller coaster income * successfully live debt-free Hunt's essential guide will help couples protect both their marriage and their money. With the interactive workbook, it's ideal for small group study or pre-marital counseling as well.

Strategic Management Accounting (Paperback): Keith Ward Strategic Management Accounting (Paperback)
Keith Ward
R2,048 Discovery Miles 20 480 Ships in 12 - 19 working days

* Challenging and provocative book * Shows how management accounting techniques can be integrated into the strategic decision making process * Extensive use of practical examples from a variety of contexts.An introduction to business strategy for management accountants, financial accountants or managers with an accounting orientation. The book places management accounting clearly within the context of strategic management of the business. Offers qualified accountants a sound introduction to strategic management, and with practical examples and mini-cases provided throughout, this book is comprehensive yet concise.
Keith Ward addresses strategic management accounting as a continuous process of analysis, planning and control. Management accounting is about supplying the right information to the right people at the right time, and this can only be expressed in the context of the business strategy and strategic plan. The implementation of appropriate management accounting systems to complement different strategies is discussed in detail. Applications and examples include multinational organizations, non-profit organizations and varying organizational structures. Finally the author covers methods of using management accounting for strategic advantage.
Challenging and provocative book
Shows how management accounting techniques can be integrated into the strategic decision making process
Extensive use of practical examples from a variety of contexts

Streetsmart Financial Basics for Nonprofit Managers 4e (Paperback, 4th Edition): T a McLaughlin Streetsmart Financial Basics for Nonprofit Managers 4e (Paperback, 4th Edition)
T a McLaughlin
R1,286 Discovery Miles 12 860 Ships in 12 - 19 working days

The complete guide to the basics of nonprofit financial management Let's be honest. Most books about financial management are densely written, heavy on jargon, and light on practicality. Expert financial consultant and author Tom McLaughlin takes a different approach with his fourth edition of Streetsmart Financial Basics for Nonprofit Managers. This comprehensive guide provides effective, easy-to-use tips, tools, resources, and analyses. The light, humorous tone in Streetsmart Financial Basics for Nonprofit Managers makes it an accessible resource for nonprofit executives, board members, students, and those new to the field. This book forgoes useless, pretentious verbiage in order to outline real-world strategies that work. This edition includes: * New insights, updates, vignettes, case studies, and examples to deal with the implications of nonprofit financial management * An examination of nonprofit business models in relation to growing demands from the government and other funders * How to construct business plans for virtually any nonprofit entity * Customizable resources including financial worksheets, forms, and Excel templates to help nonprofit managers complete their day to day assignments * A guided tour through common aspects of nonprofit management, such as financial analysis, accounting, and operations Practical and informative, Streetsmart Financial Basics for Nonprofit Managers is the go-to financial management reference for nonprofit managers, boards of directors, and funders.

Managing Finance - A Socially Responsible Approach (Hardcover): D. Crowther Managing Finance - A Socially Responsible Approach (Hardcover)
D. Crowther
R5,401 Discovery Miles 54 010 Ships in 12 - 19 working days

Managing Finance is developed from tried and tested materials that are easy to read and work is written from a managerial perspective for general managers on executive or MBA courses. The text focuses on accounting from the viewpoint of the needs of managers for financial information and understanding. Scenarios and examples are included that demonstrate a socially responsible approach. Business Scenarios are presented at the opening of each chapter and this is then used to explore the topics covered given at the start of the chapter. This approach is very appealing to people with business experience There is supplementary material with this text for the website with additional exercises, cases, multiple choice questions, Powerpoint presentations, and tutorial material. This will be kept up-to-date and provide links to other resources.

Management Accounting for Hotels and Restaurants (Paperback, International 2 Revised Ed): Richard Kotas Management Accounting for Hotels and Restaurants (Paperback, International 2 Revised Ed)
Richard Kotas
R5,534 Discovery Miles 55 340 Ships in 12 - 19 working days

The book gives practical instruction and guidance in the use of accounting for effective control and higher profit in hotel and catering operations. The author covers all aspects of the subject, setting arguments and examples in a real context.

Pocket Guide to Business Finance - A pictorial guide for managers (Hardcover): Paul Burns, Peter Morris Pocket Guide to Business Finance - A pictorial guide for managers (Hardcover)
Paul Burns, Peter Morris
R4,461 Discovery Miles 44 610 Ships in 12 - 19 working days

****This is a pocket-sized version of the A4 pictorial guide***Whatever the shape or size of a business, they all have one thing in common - they hope to make money. A major factor in determining success is the ability of management to control its finances. Business Finance painlessly demystifies the process of accounting and the understanding of business finance. Follow the adventures of a small-time entrepreneur and his finance director as she helps him turn his business from a potential casualty of the 'Death Valley Curve' into an efficient, profit-making success story. Balance sheets, profit and loss statements, cash flow, working capital, depreciation, cash flow forecasting, budgeting, and gearing are all explained making this the book to guide readers safely through the jargon jungle of financial management.

Managing Financial Institutions - Markets and Sustainable Finance (Hardcover): Elizabeth Cooperman Managing Financial Institutions - Markets and Sustainable Finance (Hardcover)
Elizabeth Cooperman
R9,170 Discovery Miles 91 700 Ships in 12 - 19 working days

This book goes beyond traditional financial institutions textbooks, which tend to focus on mathematical models for risk management and the technical aspects of measuring and managing risk. It focuses on the role of financial institutions in promoting social and economic goals for the communities in which they operate for the greater good, while also meeting financial and competitive challenges, and managing risks. Cooperman divides the text into seven easily teachable modules that examine the real issues and challenges that managers of financial institutions face. These include the transformative changes presented by social unrest, climate change and resource challenges, as well as the changes in how financial institutions operate in light of the opportunities that rapid innovations and disruptive technologies offer. The book features: Up-to-date coverage of new regulations affecting financial institutions, such as Dodd Frank and new SEC regulations. Material on project financing and new forms of financing, including crowd funding and new methods of payment for financial institutions. New sustainable finance models and strategies that incorporate environmental, social, and corporate governance considerations. A new chapter on sustainable financial institutions, social activism, the greening of finance, and socially responsible investing. Practical cases focusing on sustainability give readers insight into the socioeconomic risks associated with climate change. Streamlined and accessible, Managing Financial Institutions will appeal to students of financial institutions and markets, risk management, and banking. A companion website, featuring PowerPoint slides, an Instructor's Manual, and additional cases, is also available.

Managerial Accounting - The Cornerstone of Business Decision Making (Hardcover, 8th edition): Don Hansen, Maryanne Mowen, Dan... Managerial Accounting - The Cornerstone of Business Decision Making (Hardcover, 8th edition)
Don Hansen, Maryanne Mowen, Dan Heitger
R1,693 R1,561 Discovery Miles 15 610 Save R132 (8%) Ships in 10 - 15 working days

Discover how managerial accounting helps today's business leaders make effective business decisions with MANAGERIAL ACCOUNTING: THE CORNERSTONE OF BUSINESS DECISION MAKING, 8E. This reader-focused learning approach uses structured, updated examples and learning features, such as "Here's How It's Used" boxes, to keep managerial accounting concepts meaningful and relevant to your life and business. The latest examples and scenarios throughout this edition highlight familiar companies and emerging topics, such as data analytics, sustainability, quality cost, lean accounting, international accounting, enterprise risk management, and forensic and fraud accounting. You learn why managerial accounting is important, what it is, where managerial information comes from and how it is best used to make strong business decisions. Accompanying videos and CNOWv2 online materials help you understand and appreciate how managerial accounting is useful in both your professional and personal life.

From the Companies Act of 1929 to the Companies Act of 1948 (RLE: Accounting) - A Study of Change in the Law and Practice of... From the Companies Act of 1929 to the Companies Act of 1948 (RLE: Accounting) - A Study of Change in the Law and Practice of Accounting (Paperback)
Paul Bircher
R635 Discovery Miles 6 350 Ships in 12 - 19 working days

The accounting provisions of the Companies Act 1948 (CA48) represented a major change from the provisions of preceding company legislation, the Companies Act 1929 (CA29). CA48 contained radically different accounting and auditing provisions from those of any previous enactment and represented a substantial stride forward in generally accepted accounting standards. Until the publication of this book the explanation of the changes in CA48 was one that had remained relatively unexplored. This book examines the historical process which brought these regulatory changes about.

Effective Document and Data Management - Unlocking Corporate Content (Paperback, 3rd edition): Bob Wiggins Effective Document and Data Management - Unlocking Corporate Content (Paperback, 3rd edition)
Bob Wiggins
R1,680 Discovery Miles 16 800 Ships in 12 - 19 working days

Effective Document and Data Management illustrates the operational and strategic significance of how documents and data are captured, managed and utilized. Without a coherent and consistent approach the efficiency and effectiveness of the organization may be undermined by less poor management and use of its information. The third edition of the book is restructured to take this broader view and to establish an organizational context in which information is management. Along the way Bob Wiggins clarifies the distinction between information management, data management and knowledge management; helps make sense of the concept of an information life cycle to present and describe the processes and techniques of information and data management, storage and retrieval; uses worked examples to illustrate the coordinated application of data and process analysis; and provides guidance on the application of appropriate project management techniques for document and records management projects. The book will benefit a range of organizations and people, from those senior managers who need to develop coherent and consistent business and IT strategies; to information professionals, such as records managers and librarians who will gain an appreciation of the impact of the technology and of how their particular areas of expertise can best be applied; to system designers, developers and implementers and finally to users. The author can be contacted at [email protected] for further information.

Auditing - Assurance and Risk (Hardcover, 4th edition): W. Robert Knechel, Steven Salterio Auditing - Assurance and Risk (Hardcover, 4th edition)
W. Robert Knechel, Steven Salterio
R9,954 Discovery Miles 99 540 Ships in 12 - 19 working days

Focusing on auditing as a judgment process, this unique textbook helps readers strike the balance between understanding auditing theory and how an audit plays out in reality. The only textbook to provide complete coverage of both the International Auditing and Assurance Standards Board and the Public Company Accounting Oversight Board, Auditing reflects the contemporary evolution of the audit process. New additions to the book include expert updates on key topics, such as the audit of accounting estimates, group audit, and the Integrated Audit. Supplemented by extra on-line resources, students using this established text will be well-equipped to be effective auditors and to understand the role of auditing in the business world.

Simple Money - A No-Nonsense Guide to Personal Finance (Paperback): Tim Maurer Simple Money - A No-Nonsense Guide to Personal Finance (Paperback)
Tim Maurer
R583 Discovery Miles 5 830 Ships in 10 - 15 working days

When it comes to money management, most of us take a hands-off approach because we're just not confident that we have the know-how needed. But personal finance is actually more personal than it is finance. Tim Maurer has made a career out of distilling complex financial concepts into understandable, doable actions. In this eminently practical book, he shows readers how to - better understand their values and goals in order to simplify their money decisions - budget major expenses intelligently - reduce and eliminate debt - make vital decisions on home, auto, and life insurance - establish a world-class investment portfolio - craft a workable retirement plan - and more Readers will be relieved to see that managing their money is actually not as complicated as they thought--and that they can take control of their financial future starting today.

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