Perhaps you thought of grocery stores or something sexy like internet retailing, but chances are you didn’t think of banking. Yet, most likely you interact with a bank every time you’re paid and when you pay your bills. Banks facilitate the flow of money through the economy and even if you don’t interact with a bank daily, the businesses you deal with on a daily basis do. For all the interaction people have with banks, few understand how they work or why they work. Even fewer understand why they should consider including bank stocks in their investment portfolio. There are a lot of misconceptions about banks, including understanding what they are and what they do. For many people the word “bank” evokes images of receiving a toaster upon opening an account, or thoughts of security related to the storing of precious items in a safety deposit box. Others might go further and tap their inner Michael Moore and talk about how banks are greedy and evil. It’s our belief that banks aren’t just places to store idle savings (on which you receive virtually nothing in interest) or to cash checks, but that they should be an integral part of an investor’s portfolio. The goal of this book is to provide you with a foundation and framework with which you can both begin to understand banks, but also learn the basic tools used to analyze banks as investments.

    You are wasting your time.In a world of fake news, deep-fakes, manipulated feeds of information and divisive social-media agendas, it's easy to believe that our time is the most challenging in human history. It's just not true.It is a time of extraordinary opportunity. But only if you have the right mindset. Fear of the future breeds inaction and leads to strategic paralysis. We put off decisions until we can have certainty. We look for signals. We wait. And while we do that, the world moves on around us.Problem-solvers thrive in chaotic and uncertain times because they act to change their future. Winners recognise that in a world of growing uncertainty, you need to resort to actions on things you can control.And the only things over which you have absolute control are your attitude and your mindset. These, in turn, determine the actions you will take and that will define your future.A robust mindset is the one common characteristic Bruce Whitfield has identified in two decades of interrogating how South Africa's billionaires and start-up mavericks think differently. They are not naive Pollyannas. They don't ignore risk or hope that problems will go away. They constantly measure, manage, consider and weigh up opportunities in a tumultuous sea of uncertainty and find ways around obstacles.If, as Nobel Prize-winning economist Robert Shiller suggests, the stories we tell affect economic outcomes, then we need to tell different stories amidst the noise and haste of a rapidly evolving world.

    Most people dream of writing a book, but those manuscripts end up shoved away in dusty drawers, half-finished and abandoned to be eaten by moths.Many of them are great writers, many of them have great ideas. Yet so many people come to the conclusion that they'll never finish their books. Why? Because they aren't following a proven system. Maybe this is you right now.Maybe you believe that you're not good enough, that you'll never have enough time, or that it's a terrible book idea.You wonder how on earth other people manage to find time to write alongside their jobs, family and other commitments. But the assumption that writing is a slow process and books take six months or years to write is outdated. You can easily increase your efficiency three to four times MORE by using this system. As much value as there is in quality, quantity also plays a significant factor.The days where you need to have access to expensive or special equipment are gone.And one of the fastest ways to become profitable as an author nowadays is to write faster. Let me show you how you can hit the finish line at record speed. Every. Single. Time. This is the same system that allows me to spend more time with my family, earn more money and accomplish four times the amount of work in the same eight hours a day.It’s allowed me to release books on an exponential scale, to set goals of writing fifty books per year.This book was written using the same strategy.  It can be done. And now you can do the same. This ISN’T a book you read for inspiration and walk away feeling good. This is a book about taking ACTION. I want you to be generating MORE CONTENT THAN YOU EVEN NEED. What you will walk away with... Learn The Conveyor Belt Method: The step-by-step process which will give you an unshakeable FOUNDATION for your writing career Become One With Your Creative Mind: How to become so efficient with your methodology that you can AVOID writer's block entirely Master Your Location Independence: The secret writing anytime and ANYWHERE you want! Harness Your Long Term Sales: Get the exact ingredients you need to capture your readers for good and turn them into lifelong fans! Imagine if... Writing books was no longer a struggle and you could churn out bestsellers on a whim You could write a book in your spare time and don't need to fight against your other commitments You could come up with an idea in the morning, plan out your content and have your first draft FINISHED by the afternoon! Don't let your book rot in a drawer like all the rest. Your time is NOW. You could have the book you've always dreamed of writing in your hands TODAY. Begin your journey by clicking the button above.

    Air Force, and USAA. He teaches his clients that innovation isn't just about generating occasional new ideas; it's about staying consistently one step ahead of the competition.Hire people you don't like. Bring in the right mix of people to unleash your team's full potential. Asking for ideas is a bad idea. Define challenges more clearly. If you ask better questions, you will get better answers. Don't think outside the box; find a better box. Instead of giving your employees a blank slate, provide them with well-defined parameters that will increase their creative output. Failure is always an option. Looking at innovation as a series of experiments allows you to redefine failure and learn from your results.Shapiro shows that nonstop innovation is attainable and vital to building a high-performing team, improving the bottom line, and staying ahead of the pack.

    From annuals to vegetables, lawns, trees, and perennials, simply look up any given month and you'll find a complete gardening guide for every plant category, with advice for planning, planting, care, watering, fertilizing, and overcoming problems typically encountered by Florida gardeners during that time of year. Fully illustrated with gorgeously colored step-by-step method and plant photography, this is the ideal how-to guide for Florida gardeners. Whether you're growing milkweed in Tallahassee, planting a Simpson's stopper in Orlando, or simply wondering where (or when) to start, Florida Month-by-Month Gardening helps you take your first steps toward mastering the Florida gardening landscape. Companion books Florida Getting Started Garden Guide and Florida Fruit & Vegetable Gardening are two more excellent additions to your Floridian garden library. Discover: The best lawn care tips for southern landscapesHow to maintain plantings through the dry seasonTips for growing vegetables in Florida's unique climateAdvice on managing common Florida garden pestsCare and planting techniques for shrub and flower gardensOther titles in our popular Month-By-Month Gardening series include: Mid-Atlantic, Pacific Northwest, Carolinas, Rocky Mountains, Deep South, New England, and many more.

    Because of technological change the two trends are converging so that all that we need for transacting will be our identities captured in the unique record of our online social contacts. Social networks and mobile phones are the key technologies. They will enable the building of an identity infrastructure that can enhance both privacy and security - there is no trade-off. The long-term consequences of these changes are impossible to predict, partly because how they take shape will depend on how companies take advantage of business opportunities to deliver transaction services. But one prediction made here is that cash will soon be redundant - and a good thing too. In its place we will see a proliferation of new digital currencies.

    This primer will teach you how to build living, breathing worlds for your players to explore; how to host game and manage game sessions; and how to create powerful experiences of adventure that your players will talk about for years to come. Learn the secret to becoming a judge, an adversary, a worldbuilder, and a storyteller and become an arbiter of worlds! “Every Macris campaign starts with a rich, open world; the edge of a massive map; and the ability to find adventure in any direction. After playing in a dozen of his campaigns, I can assure you that Macris is the best prepared, most thorough GM on the prime material plane. He balances “deadly adversary” and “the party’s greatest supporter” perfectly. I’ve been lucky to contribute to some renowned video game worlds, and to discus world design with some of the most accomplished writers alive. And I’m honestly not sure there’s been someone more thorough at and passionate for world building than Macris since ... maybe Tolkien? (Okay, maybe G.R.R. Martin, but he’s not as organized or efficient.) It takes organization, creativity, and careful technique to build a massive world efficiently and deliver it effectively, and Macris can show you how he does it.” - Dr. Michael Capps, award-winning videogame executive, writer, designer (*Gears of War*, *Fortnite*, *Unreal Tournament, Unreal Championship*) “Armed with decades of experience as both a player and a designer, Macris cuts to the marrow with razor sharp insights in an unapologetic and often painfully insightful analysis of every imaginable facet of being a Game Master. From implication of play inherent in a game’s design, to world building, to the often delicate nature of unspoken social contracts inherent in the hobby, the guidance found in Arbiter of Worlds is a much-needed breath of fresh air to veterans of the hobby and a forged-in-the-fire bootcamp for those taking their first steps behind the screen.” - James M. Spahn, Ennie and Origins Award Winning RPG designer “A superb read. He makes his points the way you would expect a Harvard-trained lawyer to do. If you read this book, you are going to come out knowing real things you did not know before that will help you run games at the table…” - Courtney Campbell, Hack & Slash

    Rockefeller is considered to be the wealthiest man to have ever lived, after adjusting for inflation. An American businessman who made his wealth as a cofounder and leading figure of the Standard Oil Company, he also had a pivotal role in creating our modern system of philanthropy.Collected in John D. Rockefeller on Making Money are the words from the man himself, offering advice on how to successfully start and manage a booming business, as well as the most efficient ways to preserve your wealth once you have acquired it. These quotes also cover:Happiness in the face of great wealthMoney and its effectsThoughts on facing public criticismThoughts on big business in the USAIncluded are John D. Rockefeller’s thoughts on the most sage and conscientious manner of distributing and sharing your wealth when your wealth is overflowing. Finally, we get a glimpse into Rockefeller’s life with the inclusion of some of his most personal correspondence.

    It's a comprehensive and readable reference on how to attract and keep good tenants and make good landlording decisions.

    

    Topics include: • How to get royalties from selling articles.• Proper pricing.• How to submit articles to the "Kindle Singles" (special Amazon category). • Best ways to sell articles.• Representing articles accurately in e-Reader bookstores.• Avoiding unnecessary costs. • Image formatting.Tips are also applicable for a variety of mobile devices such as the Barnes and Noble Nook and Apple ipad. You will learn how to publish your article in a word processor, without having to learn HTML coding. Instructional Appendices Include: • How to create table of contents and internal links.• Solving formatting problems.• Converting your article to a Kindle device.• Easy preview options before you publish.• A curated list of the 50 best resources for finding free Kindle books, software, podcasts, help forums and the best blogs on Kindle publishing (10,300 words).About the Author: Kate Harper has taught art and computer classes in the San Francisco Bay Area and enjoys creating visual step-by-step guides for non-technical users. She is a credentialed adult education instructor in the state of California, and is inspired by technologies that encourage people to be more creative.

    It presents the important traditional content of mineralogy including crystallography, chemical bonding, controls on mineral structure, mineral stability, and crystal growth to provide a foundation that enables students to understand the nature and occurrence of minerals. Physical, optical, and X-ray powder diffraction techniques of mineral study are described in detail, and common chemical analytical methods are outlined as well. Detailed descriptions of over 100 common minerals are provided, and the geologic context within which these minerals occur is emphasized. Appendices provide tables and diagrams to help students with mineral identification, using both physical and optical properties. Numerous line drawings, photographs, and photomicrographs help make complex concepts understandable. Introduction to Mineralogy not only provides specific knowledge about minerals but also helps students develop the intellectual tools essential for a solid, scientific education. This comprehensive text is useful for undergraduate students in a wide range of mineralogy courses.

    Many common behavior problems can be either prevented or minimized by starting a puppy with good foundation training from the beginning. In addition, this book provides a program that will help you create a puppy that is ready for sport-specific training at the appropriate age-a puppy with the ability to focus on whatever you want, for as long as you want, whenever you want. "Paying attention" is its own skill set and teaching it should be separate from teaching your puppy more complex behaviors. Without attention, you won't get as far as you want with all those other behaviors you're going to teach because it's likely they will fall apart in the face of distraction. So it is wise to teach the attention skill set as the "base of operations" for your puppy training. The attention skill set includes: Discrimination skills, self-control skills, and arousal regulation skills. The concepts and suggestions in this book can also be used for rescue dogs that, like puppies, are starting out as "blank slates" as far as your training is concerned. About the Author Leslie McDevitt, MLA, CDBC, CPDT is a Certified Dog Behavior Consultant through the International Association of Animal Behavior Consultants and a Certified Professional Dog Trainer through the Certification Council for Professional Dog Trainers. In 1998, Leslie rescued Gordie, an American Pit Bull/GSD cross that had been badly abused, and in trying desperately to help him through his crushing anxieties and fears, met her inspiration and mentor, world-renowned veterinary behaviorist Dr. Karen Overall. Through Gordie, Leslie found her calling and devoted herself completely to becoming a dog trainer, and later, a behavior consultant.

    eGrade Plus offers an integrated suite of teaching and learning resources, including an online version of Black's Business Statistics for Contemporary Decision Making, Fourth Edition Update, in one easy-to-use Web site. Organized around the essential activities you perform in class, eGrade Plus helps you: Create class presentation using a wealth of Wiley-provided resources. you may easily adapt, customize, and add to his content to meet the needs of your course. Automate the assigning and grading of homework or quizzes by using Wiley-provided question banks, or by writing your won. Student results will be automatically graded and recorded in your gradebook. Track your students' progress. An instructor's gradebook allows you to an analyze individual and overall class results to determine each student's progress and level of understanding. Administer your course. eGrade Plus can easily be integrated with another course management system, gradebook, or other resources you are using in your class. Provide students with problem-solving support. eGrade Plus can link homework problems to the relevant section of the online text, providing context-sensitive help. Best of all, instructors can arrange to have eGrade Plus packaged FREE with new copies of Business Statistics for Contemporary Decision Making, Fourth Edition Update, All instructors have to do is adopt the eGrade Plus version of this book and activate their eGrade Plus course.

    In How to Make Big Money in Your Own Small Business, bestselling business author Jeffrey Fox offers sound rules to succeeding in small business, whether you're running a bookstore, consulting business, or restaurant. In short chapters that range from administration and cash flow to marketing and hiring, Fox reminds entrepreneurs what's important and what's not, what makes a business succeed, and what causes it to fail.