This reassuring book debunks the generally-accepted claims about necessary savings rates, which can cause paranoia among those beginning to contemplate retirement. The authors offer greater insight into planning approaches that are not widely understood, demystifies retirement targets (age, savings, income), and outlines concrete approaches to maximizing retirement savings.Offers practical advice for dealing with the changes to Canada's retirement system Includes advice for calculating your Neutral Retirement Income Target Contains solid financial advice in accessible language Written by the Executive Chairman and Chief Actuary of Morneau Shepell Canada's national actuarial consulting firm The Real Retirement offers a down-to-earth guide for preparing for comfortable retirement and shows what it takes to achieve it.

    It has crippled the country’s economy for a long time to come. In this book, Arun Kumar, the country’s leading authority on the black economy, tells us why Modi’s gambit failed. He shows us the way in which the problem can be rooted out, provided the government has the political will and determination to act.Today, the black economy is estimated to be 62 per cent of GDP—or about `93 lakh crore ($1.4 trillion). Corrupt businessmen, corrupt politicians, and corrupt members of the executive (bureaucrats, police and the judiciary) are responsible for controlling the black economy and enabling its growth. If the black economy were to be dismantled and turned into a part of the ‘white’ economy, the country’s rate of growth would be 12 per cent. If it had not grown the way it has since the 1970s, India’s per capita income today would be approximately `7 lakh per annum ($11,000) and India would become the second largest economy in the world. If the black economy were taxed at current rates, it would generate `37 lakh crore in additional taxes and the union budget would show a surplus of `31 lakh crore instead of a deficit.The failure of successive governments to tackle the problem effectively has been the single biggest obstacle to eradicating poverty. It is the cause of both widespread policy failure and the inability of the nation to improve its living conditions rapidly.

    Guide to Managerial Communication is a clear, concise and practical reference to effective written and oral communication in a managerial, business, government, or professional context.

    On the heels of the most recent economic crisis, America is headed toward another: high inflation and dollar devaluation. Charles Goyette reveals the governmental errors that led to the current economic crisis and the bumpy road ahead. The signs are clear: Federal debt is compounding while growth has stalled, and America's foreign creditors are questioning the dollar's reserve currency status. Meanwhile, the "hidden" federal debt, much larger than the official debt, makes things even worse. So what can you do to safeguard your assets when the dollar heads south? This book is the essential guide for protecting yourself--and even profiting--in this time of financial turbulence. In clear detail, Goyette explains the alternative investments--from gold and silver to oil and agriculture-- that will remain strong in the face of mounting inflation. The Dollar Meltdown gives you the tools to maintain the value of your savings and captilize on the coming opportunities. Don't get left holding the bag after decades of government irresponsibility. The Dollar Meltdown shows you how to take the safety of your finances into your own hands.

    This work is designed to help students understand the field of banking from the perspective of both a bank customer as well as a bank manager. It provides a description of the banking industry.

    An Introduction to Game Theory, by Martin J. Osborne, presents the main principles of game theory and shows how they can be used to understand economic, social, political, and biological phenomena. The book introduces in an accessible manner the main ideas behind the theory rather than their mathematical expression. All concepts are defined precisely, and logical reasoning is used throughout. The book requires an understanding of basic mathematics but assumes no specific knowledge of economics, political science, or other social or behavioral sciences. Coverage includes the fundamental concepts of strategic games, extensive games with perfect information, and coalitional games; the more advanced subjects of Bayesian games and extensive games with imperfect information; and the topics of repeated games, bargaining theory, evolutionary equilibrium, rationalizability, and maxminimization. The book offers a wide variety of illustrations from the social and behavioral sciences and more than 280 exercises. Each topic features examples that highlight theoretical points and illustrations that demonstrate how the theory may be used. Explaining the key concepts of game theory as simply as possible while maintaining complete precision, An Introduction to Game Theory is ideal for undergraduate and introductory graduate courses in game theory.

    In the highly litigated area of Special Education, it is imperative that professionals in the field understand the legal requirements of providing a free appropriate public education to students with disabilities. This text presents the necessary information for educators to understand the history and development of special education laws and the requirements of these laws. It provides the reader with the necessary skills to locate pertinent information in law libraries, on the Internet, and other sources to keep abreast of the constant changes and developments in the field. The second edition of The Law and Special Education, one of the top special education law books in the field, includes new information on the Individuals with Disabilities Education Act of 2004 and the No Child Left Behind Act of 2001. It has been updated with the latest information on the statutes, regulations, policy guidance, and cases on special education law.

    The most current information on the mechanisms, manifestations, and treatments of disease are clearly and concisely presented. Accessible writing, numerous illustrations in full-color, and complete and separate treatment of pediatric pathophysiology are the hallmarks of this popular and respected text. The new third edition features extensively revised and updated content and an enhanced art program.The book is divided into two parts. Part One presents the general principles of pathophysiology, including cell injury and repair; genetics; fluids and electrolytes, acids and bases; immunity, inflammation, and infection; stress; and cancer. Part Two is organized by body system, and for each system it covers normal anatomy and physiology, alterations of function in adults, and alterations of function in children.• Complete but concise coverage provides a thorough discussion of general pathophysiology and specific disease processes. • Outstanding full-color art program illustrates normal anatomy and physiology, disease processes, and clinical manifestations of disease. • Pediatric content is presented in 9 separate chapters to provide thorough coverage of how disease processes specifically affect children. • Health Alert boxes present brief discussions of new research, diagnostic studies, preventative care, treatments, or other developments related to health or specific diseases. • Quick Check questions appear at the end of major sections of text and are designed to promote critical thinking. Suggested answers to the questions are found on the CD companion included with the text. • Risk Factor boxes illustrate how certain risk factors are associated with specific diseases. • Did You Understand? chapter summaries provide students with a comprehensive review of the major concepts presented in each chapter. • Aging content is identified with a special icon within the adult chapters. • Algorithms are used throughout the text to illustrate normal and compensatory physiology and pathophysiology. • Key terms are boldface in text and listed with page numbers at the end of each chapter for easy reference and chapter review.• Approximately 250 new full-color drawings have been added. • An Introduction to Pathophysiology included in the front matter defines pathophysiology — and related terms such as etiology and epidemiology — and explains why it is important. • Extensive updates, based on the most current research, have been made throughout the book. • To reflect the latest developments, the Biology of Cancer chapter has been completely rewritten. • Several chapters, including Fluids and Electrolytes, Acids and Bases and Alterations of the Reproductive Systems have been extensively edited.

    The book focuses correctly on the strategic management perspective necessary for an understanding of this area. It will be of enormous help to practitioners and academics in their quest to understand what may well be the most important functional area for most corporations in the coming years′ - Paul A Argenti, Professor of Management and Corporate Communication, The Tuck School of Business at Dartmouth, USA `This is the text that practitioners, academics, and students in corporate communications have been waiting for. The book is accessible, comprehensive and is well balanced in discussing both theoretical and practical perspectives upon corporate communications. It is simply a must-read for those who want to be at the cutting edge of corporate communications′ - Phil Harris, Professor of Marketing, University of Otago and International Director of the European Centre for Public Affairs in Brussels

    The journey to becoming a values-based leader starts with self-reflection. He asks, "If you are not self-reflective, how can you know yourself? If you do not know yourself, how can you lead yourself? If you cannot lead yourself, how can you lead others?" Kraemer identifies self-reflection as the first of four principles that guide leaders to make choices that honor their values and candidly recounts how these principles helped him navigate some of the toughest challenges he faced in his career.Offers a framework for adopting the principles of values-based leadership--self-reflection, balance, true self-confidence, and genuine humility--to lead organizations effectively Based on Kraemer's popular Kellogg MBA course on values-based leadership A recognized expert in values-based leadership, Kraemer is a sought after speaker on the subjectLively and engaging, Kraemer's book comes at a critical time when true leadership in every facet of society is desperately needed.

    The best-selling brief introduction to public speaking, this succinct and inexpensive guide offers practical coverage of the material typically covered in a full-sized text -- from invention, research, and organization to practice and delivery -- in a concise, inexpensive format perfect for any setting across the curriculum, on the job, or in the community.

    The McDonaldization of Society, Revised New Century Edition discusses how McDonaldization and the broader process of globalization (in a new Chapter 8), are spreading more widely and more deeply into various social institutions such as education, medicine, the criminal justice system, and more. This Revised New Century Edition provides many new, relevant examples from recent events and contemporary popular culture, including the ever-increasing global proliferation of McDonald′s and other fast food franchises, shopping malls, and similar commercial entities. Their impact is examined in the post-September 11, 2001 era.

    Though no large financial institution has recently gone bust in this country, white-collar criminals, scam artists, Ponzi schemers and organized crime, from the Hells Angels to the Russian mafia, know that Canada is the place in the Western world to rip off investors. And the fraudsters do so with little fear of being caught and punished. Thieves of Bay Street investigates Canada's biggest financial scandals of recent years. Readers will learn what banks do with investors' money and what happens when they lose it. They will meet the bogus investment gurus, the brokers who lose money with both reckless abandon and impunity, the bankers who squander money in toxic investments, the lawyers who protect them and the regulators who do nothing to keep them from doing it again. And most importantly, they'll meet the victims who are demanding that our vaunted banking sector finally come clean on its dirtiest secret.

    This revision retains most of the text’s traditional features, including a middle-of-the-road approach and very current research, while updating and simplifying the exposition. This revision focuses on making the text even easier to teach from. The only pre-requisite continues to be principles of economics.

    The book is developmental in nature and leads the reader logically and smoothly from one important area to another.