Laid-back investing is not only easier, it can actually make you richer.Learn how to kill off debt, curb spending, find your best KiwiSaver fund, save painlessly, buy a house or be happy not buying one, and move confidently towards and through retirement (hint: you don't need $1 million). You'll also learn why it's best to 'set and forget' your investments. And why, beyond a certain point, having more money is not the key to happiness.Unlike many writers of finance books, Mary is not selling anything (except this book!). She just wants you to do well. She's on your side.'Mary has that rare ability to cut through the jargon to what really matters. She combines expert wisdom and real-world insights, with fantastic results!'DIANE MAXWELL, RETIREMENT COMMISSIONER'Mary Holm is in the first rank of New Zealanders offering simple and wise advice to those who want to take effective steps to secure their future financial wellbeing. This straightforward guide should help ordinary Kiwis navigate their way through the various traps they can fall into.'SIR MICHAEL CULLEN, FORMER DEPUTY PRIME MINISTER and MINISTER OF FINANCE

    http://wps.pearsoned.co.uk/ema_ge_lau...

      An exceptional pedagogical package that ties the textbook to online MyDevelopmentLab study tools complements the student-centered approach of the book and offers students the benefit of frequent self-assessment.

    The 7th edition was revised with updated content, a modern design, and engaging media for today's students. Media can be found in myBIZlab, an online system which provides students with extensive online resources, assessment, and actual interaction with business topics.

    But with heated debates over taxation now roiling Congress and the nation, an understanding of our tax system is of vital importance. Taxes in America: What Everyone Needs to Know(R), by preeminent tax scholars Leonard E. Burman and Joel Slemrod, offers a clear, concise explanation of how our tax system works, how it affects people and businesses, and how it might be improved. Accessibly written and organized in a clear, question-and-answer format, the book describes the intricacies of the modern tax system in an easy-to-grasp manner. Burman and Slemrod begin with the basic definitions of taxes and then delve into more complicated and indeed contentious concerns. They address such questions as how to recognize Fool's Gold tax reform plans. How much more tax could the IRS collect with better enforcement? How do tax burdens vary around the world? Why do corporations pay so little tax, even though they earn trillions of dollars every year? And what kind of tax system is most conducive to economic growth?What Everyone Needs to Know(R) is a registered trademark of Oxford University Press.

    His adaptation of Harper Lee's To Kill a Mockingbird and his original screenplay Tender Mercies earned him Academy Awards. He received an Indie Award for Best Writer for The Trip to Bountiful and a Pulitzer Prize for The Young Man from Atlanta. In his plays and films, Foote has returned over and over again to Wharton, Texas, where he was born and where he lives, once again, in the house in which he grew up. Now for the first time, in Farewell, Foote turns to prose to tell his own story and the stories of the real people who have inspired his characters. His memoir is both a celebration of the immense importance of community and evidence that even a strong community cannot save a lost soul. Farewell is as deeply moving as the best of Foote's writing for film and theater, and a gorgeous testimony to his own faith in the human spirit.

    The first abnormal psychology book to present a thoroughly integrated multicultural perspective--based on the authors' view that cross-cultural comparisons can greatly enhance the understanding of disorders--the text provides extensive coverage and integration of multicultural models, explanations, and concepts. The book also helps you gain an understanding of abnormal behavior as scientific and clinical endeavors, while providing insight into the tools that mental health professionals use to study and treat disorders.

    Her dreams are getting further and further from her grasp when a last chance record deal falls through. Crushed, Victoria sinks into a deep depression until an eviction notice galvanizes her. In her desperate, hasty job search she notices an ad for employment at Pandora's Box, a seedy massage parlor located in downtown Philadelphia. This establishment is opened twenty-four hours a day, seven days a week. Victoria is appalled by the behavior of both the clientele and the women that ruthlessly compete with one another for the clients’ business. Men come to Pandora’s Box to satisfy their kinky sexual desires. Compromising her morals and her dignity, Victoria repeats to herself that this is temporary. When a handsome, immaculately attired young man shows up one day as a client, her luck seems to change. He is immediately drawn to Victoria and a steamy love affair quickly ensues. But her job at Pandora’s Box complicates their affair. Sinking further into this sordid world, Victoria finds it difficult to climb out. That is, until crime is committed and someone ends up dead. Victoria is forced to confront her lifestyle and remember her dreams and values.

    This book contains Suggested Assignments and Suggested Listening lists following each chapter that help students master and explore subject matter. It includes chapter on writing score and parts with inclusion of material on computer notation.

    Features include:Environmental maps covering the oceans and forestsWorld comparison charts and maps30,000-entry pronunciation guide109-page index

    While millions gaze at its cliffs each year, only 15,000 float through the canyon on the Colorado River. A landmark portrait of the Grand Canyon, this is the only photography book to document this amazing journey from river level. Now this classic is back in print, with an updated preface and introduction and a dozen new photographs. A journal in photos and words, The Hidden Canyon captures the desert landscape and the thrill of the rapids. Edward Abbey's journalfilled with wry humor and respect for the canyondescribes the journey as the dories (small wooden boats) alternately float and charge through the breathtaking landscapes and some of the roughest white water in North America.

    Material covered includes the difference between stocks and businesses, what constitutes a good business, when to buy and sell stocks, and how to value individual stocks. The book also includes a chapter covering four case studies as well as a supplemental chapter on the pros and cons of real estate versus stock market investing.

    The book presents a balanced picture that connects the newer histories of society and culture with the more traditional stories of politics, diplomacy, and great public events and individuals.

    Jack Spielvogel's engaging, chronological narrative weaves the political, economic, social, religious, intellectual, cultural, and military aspects of history into a gripping story that is as memorable as it is instructive. Each chapter offers a substantial introduction and conclusion, providing students a context for these disparate themes. The clear narrative of a single gifted author makes it easy for students to follow the story of Western civilization. Spielvogel gives the book depth by including over 150 maps and excerpts of over 200 primary sources--including official documents, poems, and songs--that enliven the past while introducing students to source material that forms the basis of historical scholarship. Available in many split options: WESTERN CIVILIZATION, Comprehensive, 6th Edition (Chapters 1-29), ISBN: 0534646026; WESTERN CIVILIZATION, Volume I, To 1715, 6th Edition (Chapters 1-16), ISBN:0534646034; WESTERN CIVILIZATION, Volume II, Since 1500, 6th Edition (Chapters 13-29), ISBN:0534646042; WESTERN CIVILIZATION, Volume A: To 1500, 6th Edition (Chapters 1-12), ISBN: 0534646050; WESTERN CIVILIZATION, Volume B: 1300-1815, 6th Edition (Chapters 11-19), ISBN:0534646069; WESTERN CIVILIZATION, Volume C: Since 1789, 6th Edition (Chapters 19-29), ISBN: 0534646077; WESTERN CIVILIZATION, Since 1300, 6th Edition (Chapters 11-29), ISBN:0534646085.

    But that does not even begin to convey what the Berger experience is: What makes these bestselling textbooks so distinctive is the unmistakable presence of KATHLEEN STASSEN BERGER on every page, in writing that continually draws on the author’s teaching and family life to demonstrate a remarkable understanding not just of the field, but of students’ questions, their concerns, and their lives.The distinctive, definitive BERGER touch is evident throughout her new textbook, Invitation to the Life Span. This brief, original, 15-chapter textbook was created from page 1 to address the challenges teachers and students face when covering the entire life span in a semester (or even a quarter!). The hallmark Berger qualities are all here—the relatable presentation of research, the inclusive approach to world cultures, the study help that builds critical thinking and observational skills, the outstanding media and supplements—and all held together with Berger’s skill in bringing students and the science together.