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The Business Of Child Care:...

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eBay The Business Of Child Care: Management And Financial Strategies
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The Business of Child Care: Management and Financial Strategies Description Review Chapter 1: Who You Are, How You Manage. Chapter 2: Enrollment. Chapter 3: Staffing: A Guide to Recruitment and Retention. Chapter 4: The Budget: Putting It All Together. Chapter 5: The Budget as a Planning Tool. Chapter 6: Financial Record Keeping. Chapter 7: Making Decisions. Read more About the Author Owner, Good Sense Consulting; MBA from Stanford University Graduate School of Business; 25 years¿ experience in business and 12 years as a child care administrator. Case Supervisor and Court Liaison for CASA (Court Appointed Special Advocates) of Santa Cruz. Read more Features: Product Details: Paperback: 144 pages Publisher: Wadsworth Publishing; 1 edition (August 27, 2004) Language: English ISBN-10:... Less
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Software-SOS-2016 &...

$51.25
Walmart.com Software-SOS-2016 & Beyond-Personal Financial Literacy
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Teach your student to take responsibility for his personal finances with this semester-long elective for grades 9-12. Packed with interactive lessons that make learning fun, this Alpha Omega curriculum covers today's money topics, such as finding and evaluating financial information, managing a checking account and online banking, and investment planning, along with exploring different career paths. Quizzes, tests, and hands-on learning projects are included.
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Financial Modeling In Excel...

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eBay Financial Modeling In Excel For Dummies (for Dummies (lifestyle))
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Financial Modeling in Excel For Dummies (For Dummies (Lifestyle)) Product Features Product Description From the Back Cover Use Excel to plan strategically Optimize profits by forecasting Model scenarios and what-if analysis Start creating sophisticated financial models in Excel today! From Fortune 500 corporations to home-based businesses, all companies can benefit from financial modeling. With it, you can predict market trends, determine solutions to client issues, and find ways to optimize your profits. And the best part is you don't need specialized software or an MBA to do it! You'll be creating your very own financial models before you know it—and this book shows you how. It gets you up to speed in no time on how to use Excel to create financial models tailored to your business needs... Less
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District of Columbia:...

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Walmart.com District of Columbia: Software Acquisition Processes for a New Financial Management System
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District of Columbia: Software Acquisition Processes for a New Financial Management System
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Financial Intelligence For...

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eBay Financial Intelligence For Entrepreneurs: What You Really Need To Know About The
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Financial Intelligence for Entrepreneurs: What You Really Need to Know About the , New, Free Shipping Using the groundbreaking formula they introduced in their book Financial Intelligence: A Manager's Guide to Knowing What the Numbers Really Mean, Karen Berman and Joe Knight present the essentials of finance specifically for entrepreneurial managers. Drawing on their work training tens of thousands of people at leading organizations worldwide, the authors provide a deep understanding of the basics of financial management and measurement, along with hands-on activities to practice what you are reading. You'll discover: Why the assumptions behind financial data matter - What income statements, balance sheets, and cash flow statements really reveal - How to use ratios to assess your... Less
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QuickBooks 2016 Pro Small...

$199.99
Walmart.com QuickBooks 2016 Pro Small Business Accounting w/ Free Online Essentials
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QuickBooks Pro 2016 Small Business Accounting Software helps you organize your business finances and accounting on a Windows PC. Easily get set up, learn, and use. No accounting knowledge is necessary and you can quickly import your data from a spreadsheet. Easily create invoices and get paid faster with online invoicing and manage expenses. Get 100+ financial accounting, sales and tax reports in one click. And, QuickBooks accounting software ensures youll have reliable records for tax time. Have questions? Step-by-step tutorials show you how to create invoices, record expenses, and more. Includes a 60 day money-back guarantee. Special Offer: Your purchase of QuickBooks Desktop Pro 2016 Small Business Accounting Software includes Free Year of QuickBooks Online. Track how your business... Less
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Financial Statements: A...

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eBay Financial Statements: A Step-by-step Guide To Understanding And Creating Financi
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Financial Statements: A Step-by-Step Guide to Understanding and Creating Financi , New, Free Shipping Now the best-selling book of its kind has gotten even better.This revised and expanded second edition of Ittelson's master work will give you that firm grasp of the numbers necessary for business success. With more than 100,000 copies in print, Financial Statements is a perfect introduction to financial accounting for non-financial managers, stock-market investors, undergraduate business and MBA students, lawyers, lenders, entrepreneurs, and more. Most introductory finance and accounting books fail either because they are written by accountants for accountants or the authors dumb down the concepts until they are virtually useless. Financial Statements deftly shows that all this... Less
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Financial Leadership For...

$26.39
eBay Financial Leadership For Nonprofit Executives: Guiding Your Organization To Long
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Financial Leadership for Nonprofit Executives: Guiding Your Organization to Long , New, Free Shipping Making sure that your nonprofit is going to be around long-term requires financial leadership. This means creating a financial vision for your organization and planning how you’ll get there. Financial Leadership for Nonprofit Executives gives you the framework, specific language, and processes to lead with confidence. With it, you’ll learn how to protect and grow the assets of your organization and accomplish as much mission as possible with those resources. The good news is you don’t have to be a trained accountant, earn an MBA, or have run a for-profit business in another lifetime. You already have many of the skills it takes to be a financial leader. This useful guide makes the... Less
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Financial Report Of The...

$7.99
eBay Financial Report Of The United States Government By Jim Cooper
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Financial Report of the United States Government: The Official White House Report for 2005 by Jim Cooper Product Details: ISBN: 9781595550804 Publisher: Nelson, Thomas, Inc. Publication date: 08/15/2006 Pages: 304 Type: Book - Soft Cover Product dimensions: 6.12(w) x 9.06(h) x 0.28(d) Product Condition: Brand New. Paperback. Gift condition. Package Information: This book will be packaged in bubble mailer. Product Details: In December 2005, the White House published itsFinancial Report of the United States Government—-only 2000 copies were printed despite the purpose of the report being to explain the country's financial wellbeing to Congress and the American people. Now, for the first time, that report is widely published so the American people can see what’s really going on with the... Less
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Financial Management In The...

$53.11
eBay Financial Management In The Sport Industry By Matthew T. Brown, (paperback), Hol
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Financial Management in the Sport Industry by Matthew T. Brown, (Paperback), Hol , New, Free Shipping This book provides readers with an understanding of sport finance and the importance of sound financial management in the sport industry. It begins by covering finance basics and the tools and techniques of financial quantification, using relevant sport examples. It then goes beyond the basics to show how financial management works in the industry--how decisions are made to ensure wealth maximization. Discussions include time value of money, capital budgeting, facility financing, economic impact, and risk and return. The final part of the book focuses on three sport industry sectors--parks and recreation, collegiate athletics, and professional sport--providing in-depth analysis of... Less
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Family Financial Workbook ..

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eBay Family Financial Workbook ..
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About Us New Arrivals Ending Soon Add to Favorites Feedback Contact Us Newsletter Add my Store to your Favorites and receive my email newsletters about new items and special promotions! Sign Up Payment Options Family Financial Workbook by Burkett, Larry Family Financial Workbook Burkett, Larry New: New with remainder mark. Paperback ISBN: 0802414788 13 Digit ISBN: 9780802414786 Publisher: Moody Publishers Retail: 15.99 Check out our other books for combined shipping. Description GAIN FINANCIAL FREEDOM—PUT YOUR FAMILY ON A BUDGET Do you want to know how to effectively maximize God’s financial resources in your family? Whether you are caught in financial bondage or simply need some fine-tuning in certain areas of your spending plan, The Family Financial Workbook can help you. Financial... Less
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Sierra Infinity Exterior...

$59.99
MidwayUSA Sierra Infinity Exterior Ballistic Software Version 7 CD-ROM and 5th Edition Manual Reloading Manual
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FeaturesContinuou s updates on Software from SierraEasy to follow interfaceProvides multiple trajectory measurementsInclu des book version of Sierra 5th Edition Reloading Manual Sierra's INFINITY Exterior Ballistic Computer Software version 7 provides multiple trajectory charts and graphics, point blank range, calculate zero, uphill/downhill shooting, maximum range, minute of angle, profiled wind, improved atmospherics, revised print formats trajectory in mils and more. Easy to use Windows format makes INFINITY extremely user friendly. Bullet library includes all major bullet companies as well as ammunition companies and allows for addition of new and custom bullets. Renowned Sierra Ballistic Consultants Ted Almgren and Dr. Bill McDonald, who have written all Sierra Software since 1970,... Less
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Financial Peace: Revisited

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Christianbook.com Financial Peace: Revisited
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Want to get out of debt and stay out? Financial Peace Revisited gives you the tools to understand why you are in debt, create a budget you can stick to, set goals you can achieve, and make things right for you and your family emotionally, spiritually, and financially, for good. Updated version of the bestseller Financial Peace includes new chapters on marriage, singles, kids, and families.
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Financial Intelligence For...

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eBay Financial Intelligence For Entrepreneurs: What You Really Need To Know About ...
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Financial Intelligence for Entrepreneurs: What You Really Need to Know About the Numbers Description Review “the best, clearest guides to the numbers that I know of.” – Inc. Magazine Read more About the Author Karen Berman and Joe Knight founded the Business Literacy Institute. They train managers at some of America's biggest and best-known companies. John Case has written or collaborated on several successful books. He has also written for Inc., Harvard Business Review, and other business publications. Read more Features: Product Details: Paperback: 304 pages Publisher: Harvard Business Press (September 9, 2008) Language: English ISBN-10: 1422119157 ISBN-13: 978-1422119150 Product Dimensions: 1 x 6.2 x 9.2 inches Shipping Weight: 9.9 ounces
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A Short History Of Financial...

$17.14
eBay A Short History Of Financial Euphoria (penguin Business) By John Kenneth Galbrai
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A Short History of Financial Euphoria (Penguin business) by John Kenneth Galbrai , New, Free Shipping The world-renowned economist offers dourly irreverent analyses of financial debacle from the tulip craze of the seventeenth century to the recent plague of junk bonds.—The Atlantic. Product Features and Specifications All of our products come with FREE Standard Shipping! Handling time on our orders is between 1-2 business days. We will ship your item out using the most efficient carrier to your area (USPS, UPS, FedEx, Lasership, etc.). Once it has been shipped out, you should be receive it within 3 - 5 business days! Need your item fast? We offer faster shipment methods for your convenience upon checkout! Please make sure your shipping address is correct and accurate before completing... Less
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The Financial Peace Planner:...

$12.98
eBay The Financial Peace Planner: A Step-by-step Guide To Restoring Your Family`s Fin
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The Financial Peace Planner: A Step-by-Step Guide to Restoring Your Family`s Fin , New, Free Shipping Get out of debt and stay out with the help of Dave Ramsey, recently seen by millions of Today Show viewers. His practical regimen, first set forth by The Financial Peace Planner, which will be published by Penguin in January 1998. Loaded with inspirational insights that come from personal experience, this set of books is the most valuable purchase a debt-ridden reader can make. Product Features and Specifications Great product! All of our products come with FREE Standard Shipping! Handling time on our orders is between 1-2 business days. We will ship your item out using the most efficient carrier to your area (USPS, UPS, FedEx, Lasership, etc.). Once it has been shipped out, you should... Less
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The Financial Diaries: How...

$22.99
eBay The Financial Diaries: How American Families Cope In A World Of Uncertainty
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The Financial Diaries: How American Families Cope in a World of Uncertainty Product Features Product Description Review This sharp-eyed, sympathetic study . . . has a compelling new angle on the effects of long-term financial instability on working-class families. . . . This is a must-read for anyone interest in causes of--and potential solutions to--American poverty.--Publishe rs Weekly, starred review [A] groundbreaking study. . . .--Richard Eisenberg, Forbes.com The book constitutes a plea for all those who interact with its subjects to look behind the annual averages to the weekly reality.--Peter Morris, Financial World Illuminating. . . .--Diane Coyle, The Enlightened Economist I really enjoyed this book. . . . These diaries are not just financial records but emotional ones too, and... Less
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Adaptive Markets: Financial...

$32.99
eBay Adaptive Markets: Financial Evolution At The Speed Of Thought [paperback]
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Adaptive Markets: Financial Evolution at the Speed of Thought NEW [PAPERBACK] Product Features Product Description Review Mr. Lo makes a convincing argument and he also uses the book to lay out some interesting ideas--such as a huge, diversified fund that would invest in a range of potential cancer treatments.--Econo mist [A] remarkable new book. . . . Lo's book will be read and read widely. . . . His insights should allow investors and regulators alike to manage risks better. They should read it.--John Authers, Financial Times This new book will become another essential read for anybody interested in financial markets. . . . [It] is a thoroughly interesting and enjoyable read. It is not technical, the explanations are super-clear, and there is some excellent story telling.--Enlighte ned... Less
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The Financial Peace Planner

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Christianbook.com The Financial Peace Planner
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Once bankrupt, Ramsey completely rebuilt his financial life. Now you can do the same! Learn to assess the urgency of your situation, create a realistic budget, dump your debt, clean up your credit rating, and more. This workbook companion to the bestseller, Financial Peace, is an essential resource if you're in debt! 273 pages, softcover from Charisma.
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Health Care Financial...

$625.95
eBay Health Care Financial Transactions Manual, 2014-2 Ed. West Publishing
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Health Care Financial Transactions Manual, 2014-2 ed. West Publishing. You save $$!  Check out our many other EBAY listings! The Law Bookstore 714-491-2665 Description Covering the various types of providers and suppliers, Medicare and Medicaid programs, and applicable statutes and regulations, Heal th Care Financial Transactions Manual furnishes a seven-step analysis to help you spot virtually any legal pitfall. It addresses critical issues involving restrictions on physician financial arrangements, fraud and abuse, and ownership disclosure. This volume also includes an overview of the health care industry and covers: • Critical issues such as restrictions on physician financial arrangements, fraud and abuse, and ownership disclosure • State regulation of health care transactions... Less
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Financial Freedom Planner...

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eBay Financial Freedom Planner 2005 The Hume Group Genesis Financial Technologies
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Financial Freedom Planner -- Your Personal Financial Organizer 3 Products in 1:  Financial Calculators, Market Analysis, Education Tutorials Made in 2005 The Hume Group, Inc -- Genesis Financial Technologies, Inc. Made in the USA Minimum required:  Window s 98-Second Edition or newer. Please email me with any issues you might have with order  before leaving feedback or opening a case. I will work to  insure you are happy with the end result. I do combine  shipping on multiple orders; just email me before paying.  Thanks for looking! 14a
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Financial Peace Revisited:...

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eBay Financial Peace Revisited: Chapters On Marriage Singles Kid... Free Shipping
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Description New Financial Peace Revisited: New Chapters on Marriage, Singles, Kids and Families by Product Description From Publishers Weekly An updated, expanded version of Ramsey's first book about overcoming debt and managing personal finances, this edition boasts new chapters on the relationship between money matters and family matters. (Originally self-published in 1992, Financial Peace had its sales bolstered by Ramsey's eponymous personal finance radio talk show; the 1997 Viking edition became a business bestseller.) When it comes to solving money problems, Ramsey knows whence he speaks: he had made and lost a real estate fortune by age 30. His straightforward guide to fiscal tranquility covers the basics of career (work hard in a job you're good at), savings (sock away 10% of your... Less
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ZPlane vielklang Instant...

$155.00
Sweetwater ZPlane vielklang Instant Harmony V2 (Harmony Generation Software)
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Plug-ins: Virtual Processors - Easily create harmonies in your DAW with zplane's vielklang Instant Harmony V2 plug-in. A uniquely intelligent harmonizer plug-in, vielklang Instant Harmony does all of the heavy lifting for you, analyzing your input and finding the best-fitting harmonies to suit your music. At the same time, vielklang Instant Harmony doesn't limit your ability to get involved, allowing you to control virtually every aspect of the effect that you want to control. And best of all vielklang Instant Harmony is great for more than just vocals. It's a wonderful way to fill out everything from bass to brass and beyond. Get your copy of zplane vielklang Instant Harmony from Sweetwater! zplane vielklang Instant Harmony Version 2 Effects Plug-in at a Glance: Powerful harmony... Less
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YOUR FINANCIAL FUTURE

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Walmart.com YOUR FINANCIAL FUTURE
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The reason for financial planning is to take control of your destiny, first and foremost. Gather all the relevant information, decide what you want to achieve - and make it happen! Ian Lees has spent over 30 years in financial services, from direct sales to broker consultant and latterly as an Independent Financial Adviser. He is here to help you. Ian is passionate about making your money work harder for you. He believes if it is not in writing it does not happen. The tools used are sensible, effective and efficient but require each individual to participate and to engage. It is this trust and engagement with all parties which takes your finances from mediocrity and propels them to success. Ian will help you focus on your planning and the process with which to make it happen and realise... Less
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Economics Of Money, Banking...

$129.50
eBay Economics Of Money, Banking And Financial Markets, Business School Edition Plus
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Item Details     Forma t: Hardcover Condition: New! Other notes: New * (Item #$app_data) - Multi Channel Selling
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Financial Dominion

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Christianbook.com Financial Dominion
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Learn how to turn your finances around to abundance and prosperity by following the key factors found in Financial Dominion. This book gives step-by-step guidance on how to walk in financial dominion.
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Get A Financial Life:...

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eBay Get A Financial Life: Personal Finance In Your Twenties And Thirties By Beth Kob
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Get a Financial Life: Personal Finance In Your Twenties and Thirties by Beth Kob , New, Free Shipping “A highly readable and substantial guide to the grown-up realms of money and business.” —Deborah Stead, The New York Times, If you've been meaning to get your finances in shape but have no idea where to start, this is your playbook: The all-new edition of the New York Times bestseller Get a Financial Life busts open the system, teaching tricks for becoming master of your own money universe. No matter what's happening in the economy, all the guidance you need is right here. You'll learn how to: • Pay off your credit cards and student loans and live debt free • Start saving, even if you're living paycheck to paycheck • Take advantage of the latest tax rules and save a bundle... Less
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Financial Stability Toolkit...

$84.92
Walmart.com Financial Stability Toolkit (Paperback)
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The SRA;s latest report on financial stability (February 2014) said its engagement with firms found poor financial management that ranged from naive to reckless. They have also seen poor practice in the management of client accounts. This toolkit will help firms to address those common financial issues facing many firms. This toolkit will cover the following: What the requirement to maintain financial stability will mean in practice for firms. What are the danger signals and how can action be taken to remedy them? The steps that need to be taken to take control of cash management in order to achieve financial stability. Part of our popular toolkit series, it will contain a mixture of draft policies, procedural checklists and other instruments to assist practitioners in demonstrating... Less
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Unshakeable: Your Financial...

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eBay Unshakeable: Your Financial Freedom Playbook Hardcover – February 28, 2017
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Unshakeable: Your Financial Freedom Playbook Hardcover – February 28, 2017 After interviewing fifty of the world’s greatest financial minds and penning the 1 New York Times bestseller Money: Master the Game, Tony Robbins returns with a step-by-step playbook, taking you on a journey to transform your financial life and accelerate your path to financial freedom. No matter your salary, your stage of life, or when you started, this book will provide the tools to help you achieve your financial goals more rapidly than you ever thought possible. Robbins, who has coached more than fifty million people from 100 countries, is the world’s 1 life and business strategist. In this book, he teams up with Peter Mallouk, the only man in history to be ranked the 1 financial advisor in the US for three... Less
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The End Of Theory: Financial...

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eBay The End Of Theory: Financial Crises, The Failure Of Economics [paperback]
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The End of Theory: Financial Crises, the Failure of Economics NEW [PAPERBACK] Product Features Product Description Review Important and elegantly written.--Jason Zweig, Wall Street Journal The End of Theory holds some important lessons for financial markets today. . . . According to Bookstaber, it's time to stop tweaking a 150-year-old model that seems to be getting worse, not better, at predicting crises, and embrace something totally new. Finally, and perhaps most usefully, he challenges the economics profession itself, where too many experts still have way too much faith in their own mathematical infallibility.--Ra na Faroohar, Financial Times [A]nyone who wants to understand the workings of the financial system will benefit from reading this book. . . . The analysis is top-notch.--The... Less
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Financial Accounting 3rd Ed...

$129.99
eBay Financial Accounting 3rd Ed Binder Ready Version W/ Connect Accounting Plus+
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Financial Accounting 3rd Ed Binder Ready Version w/ Connect Accounting Plus+ Financial Accounting 3rd Ed Binder Ready Version w/ Connect Accounting Plus+ Up for sale is a Financial Accounting 3rd Ed Binder Ready Version w/ Connect Accounting Plus+ ISBN of the whole package: 978-1-25-911276-8 ISBN of the book: 978-0-07-750688-9 Listing and template services provided by inkFrog Open.
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Surviving Financial Meltdown:...

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eBay Surviving Financial Meltdown: Confident Decisions In An Uncertain World
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Product Description In our troubled economy, most of us are looking for practical help and deeper spiritual perspective. What should we do in times like this? What shouldn't we do? Financial planners and authors Ron Blue and Jeremy White answer all your most pressing questions. Not only will they help you make the right decisions, they'll show you how to plan for the future and make use of the four keys to financial success. The book is filled with practical advice for everyday financial decisions and includes a special section with over 40 money-saving ideas. A Focus on the Family Recommendation.
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Life of Fred: Financial...

$19.00
Christianbook.com Life of Fred: Financial Choices
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Educate your students on the importance of sound financial choices with Life of Fred's trademark humor and pizzazz. Designed to fulfill the need for personal financial literacy skills that math books don't often cover, readers will learn about income and spending ratios, debt, budgeting, setting goals, investments, and other necessary knowledge for functioning as an adult with financial solvency. . . while keeping the perspective that there are more important things than money! Your Turn to Play exercises are included throughout, but rather than focusing only math skills, often ask students to reflect upon their priorities, the differences between wants and needs, and where to allot items or expenses. Answers are given on the next page. Life of Fred: Financial Choices covers: What Jane... Less
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No One Would Listen: A True...

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eBay No One Would Listen: A True Financial Thriller
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No One Would Listen: A True Financial Thriller Product Features Product Description Harry Markopolos and his team of financial sleuths discuss first-hand how they cracked the Madoff Ponzi scheme No One Would Listen is the exclusive story of the Harry Markopolos-lead investigation into Bernie Madoff and his $65 billion Ponzi scheme. While a lot has been written about Madoff's scam, few actually know how Markopolos and his team- affectionately called The Fox Hounds by Markopolos himself, uncovered what Madoff was doing years before this financial disaster reached its pinnacle. Unfortunately, no one listened, until the damage of the world's largest financial fraud ever was irreversible. Since that time, Markopolos openly has testified and questioned the enforcement and fraud investigation... Less
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The End Of Theory: Financial...

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eBay The End Of Theory: Financial Crises The Failure Of Economics And The Sweep Of...
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The End of Theory: Financial Crises, the Failure of Economics, and the Sweep of Human Interaction Features: Product Details: Hardcover: 240 pages Publisher: Princeton University Press (May 2, 2017) Language: English ISBN-10: 0691169012 ISBN-13: 978-0691169019 Product Dimensions: 6.1 x 1 x 9.3 inches Shipping Weight: 1.2 pounds Description: Review Important and elegantly written.--Jason Zweig, Wall Street JournalThe End of Theory holds some important lessons for financial markets today. . . . According to Bookstaber, it's time to stop tweaking a 150-year- old model that seems to be getting worse, not better, at predicting crises, and embrace something totally new. Finally, and perhaps most usefully, he challenges the economics profession itself, where too many experts still have way too... Less
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Financial Accounting Course...

$101.09
eBay Financial Accounting Course On Cd-rom
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Product Description Prepare students interested in an accounting career with this challenging high school course designed specifically for homeschoolers! Learn about the 4 basic financial statements that publicly traded companies must prepare, the purpose of accounting, the GASB and the SEC, requirements to become a CPA, GAAP, the accounting cycle, accounting for a merchandising company, short-terms financial assets, inventories, long-term assets, liabilities, cash flow, financial statement analysis, and more. All material is presented in the lecture slides for each of the 12 chapters (28 lessons including exams), which include a discussion of important concepts and step-by-step problems demonstrating how to work through the various types of accounting problems. Students watch the... Less
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Personal Finance Book The...

$5.95
eBay Personal Finance Book The 21-day Financial Fast - Michelle Singletary
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The 21-Day Financial Fast NEW Personal Finance Book by Michelle Singletary  BRAND NEW from our Bookstore! The 21-Day Financial Fast Description: Summary: The 21-Day Financial Fast - Your Path to Financial Peace and Freedom - NEW Christian personal finance book by Michelle Singletary, Award-Winning Nationally Syndicated Columnist for The Washington Post. Back Cover Description: Financial peace and freedom in 21 days. In The 21-Day Financial Fast, award-winning writer and Washington Post columnist Michelle Singletary proposes a field-tested financial challenge. For twenty-one days, participants will put away their credit cards and buy only the barest essentials. With Michelle's guidance during this three-week financial fast, you will discover how to: - Break bad spending habits - Plot a... Less
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The Financial Peace Planner

$14.79
eBay The Financial Peace Planner
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Product Description Inside you will find help on how to: *assess the urgency of your situation *understand where your money's going *create a realistic budget *clean your credit rating
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