Financial planning for life -- from career strategies and consumer credit to investments and taxes to retirement and estate planning -- this handbook covers everything for making those all-important decisions.

    As bewilderingly diverse then as the beetle is today, they survived in the arctic or the tropics, were spiky or smooth, were large as lobsters or small as fleas. And because they flourished for three hundred million years, they can be used to glimpse a less evolved world of ancient continents and vanished oceans. Erudite and entertaining, this book is a uniquely exuberant homage to a fabulously singular species.

    Will temperatures rise by 2�C or 8�C over the next hundred years? Will sea levels rise by 2 or 30 feet? The only way that we can accurately answer questions like these is by looking into the distant past, for a comparison with the world long before the rise of mankind.We may currently believe that atmospheric shifts, like global warming, result from our impact on the planet, but the earth's atmosphere has been dramatically shifting since its creation. This book reveals the crucial role that plants have played in determining atmospheric change - and hence the conditions on the planet we know today. Along the way a number of fascinating puzzles arise: Why did plants evolve leaves? When and how did forests once grow on Antarctica? How did prehistoric insects manage to grow so large? The answers show the extraordinary amount plants can tell us about the history of the planet -- something that has often been overlooked amongst the preoccuputations with dinosaur bones and animal fossils.David Beerling's surprising conclusions are teased out from various lines of scientific enquiry, with evidence being brought to bear from fossil plants and animals, computer models of the atmosphere, and experimental studies. Intimately bound up with the narrative describing the dynamic evolution of climate and life through Earth's history, we find Victorian fossil hunters, intrepid polar explorers and pioneering chemists, alongside wallowing hippos, belching volcanoes, and restless landmasses.

    In a field as rapidly expanding and diverse as I/O psychology, it's not easy finding a book with just the right balance. Fortunately, Paul Spector's Fourth Edition of Industrial and Organizational Psychology: Research and Practice is up to the job. A balance between cutting-edge topics and core material This Fourth Edition covers both the core material as well as newly emerging topics and cutting-edge findings. Inside, you'll find 125 new references, as well as the latest thinking on team job analysis, drug testing, group problem solving, group diversity, cross-cultural issues in leadership, and more. A balance between research and practice The text's balanced presentation of research and practice equips you with an understanding of the whole field. This balanced approach helps you see the relationship between the science and application of I/O psychology. You'll find detailed summaries of current research, including international studies. In addition, cases introduce you to the wide array of settings and applied work that involve I/O psychologists. A balance between employee performance and well-being I/O psychology isn't just about how the organization can use psychology to improve the efficiency and effectiveness of its workforce; it's also about improving the health of the workforce. This Fourth Edition provides more balance between these two over-arching areas of the field. Connect to online resources from the author's classroom. The author's website features class notes from his I/O psychology course, practice exams, internet exercises, I/O career information, and links to I/O instructor and student resources. Go to www.wiley.com/college/spector for help presenting and studying the material in your textbook, and use these resources to go beyond the text.

    Thisupdated and expanded edition retains the popular and innovativefeatures of previous editions-including Feature Problems, follow-upIntegrative and Practice Exercises to accompany every in-chapterExample, and Focus On application boxes, as well as new Keep inMind marginal notes. Topics covered include atoms and the atomictheory, chemical compounds and reactions, gases, Thermochemistry, electrons in atoms, chemical bonding, liquids, solids, andintermolecular forces, chemical kinetics, principles of chemicalequilibrium, acids and bases, electrochemistry, representative andtransitional elements, and nuclear and organic chemistry. Forindividuals interested in a broad overview of chemical principles andapplications

    The National Audubon Society Field Guide to the Night Sky provides a concise guided tour of the heavens, from planets in our solar system to the constellations in both the Northern and Southern hemispheres, stars, galaxies, astronomical bodies, phenomena, comets, and more. Featuring a durable vinyl binding, over 700 full-color photographs, sky charts, and constellation charts, as well as detailed descriptive text, this comprehensive, easy-to-use field guide is the perfect companion volume for any stargazer.

    It is within the realm of possibility that their work may usher in a change in global economics as profound as the Industrial Revolution. As may be expected, press reports dealing with asteroid mining have been numerous, ranging in scope from short and breezy to broad and serious, and in quality from accurate to impressionistic to simply uninformed. There is good reason to be curious about what may be the biggest game-changer in human economic history. And there is good reason to look closely at the underlying science and engineering that form the foundation of this work.

    Of course human activities are not holding at current levels—they are accelerating, dramatically—and so, too, is the pace of climate disruption, biotic impoverishment, and toxification. In this book Gus Speth, author of Red Sky at Morning and a widely respected environmentalist, begins with the observation that the environmental community has grown in strength and sophistication, but the environment has continued to decline, to the point that we are now at the edge of catastrophe. Speth contends that this situation is a severe indictment of the economic and political system we call modern capitalism. Our vital task is now to change the operating instructions for today’s destructive world economy before it is too late. The book is about how to do that.

    Buckminster Fuller is regarded as one of the most important figures of the 20th century, renowned for his achievements as an inventor, designer, architect, philosopher, mathematician, and dogged individualist. Perhaps best remembered for the Geodesic Dome and the term "Spaceship Earth," his work and his writings have had a profound impact on modern life and thought.Critical Path is Fuller's master work--the summing up of a lifetime's thought and concern--as urgent and relevant as it was upon its first publication in 1981. Critical Path details how humanity found itself in its current situation--at the limits of the planet's natural resources and facing political, economic, environmental, and ethical crises.The crowning achievement of an extraordinary career, Critical Path offers the reader the excitement of understanding the essential dilemmas of our time and how responsible citizens can rise to meet this ultimate challenge to our future.

    It offers a clear overview of the fundamentals of environmental economics that will enable students and professionals to quickly grasp important concepts and to apply those concepts to real-world environmental problems. In addition, the book integrates normative, policy, and institutional issues at a principles level. Chapters examine: the benefits and costs of environmental protection, markets and market failure, natural resources as capital assets, and sustainability and economic development. Markets and the Environment is the second volume in the Foundations of Contemporary Environmental Studies Series, edited by James Gustave Speth. The series presents concise guides to essential subjects in the environmental curriculum, incorporating a problem-based approach to teaching and learning.

    We need profound, radical change. A Green New Deal can tackle the climate emergency and rampant inequality at the same time. Cutting carbon emissions while winning immediate gains for the many is the only way to build a movement strong enough to defeat big oil, big business, and the super-rich—starting right now.A Planet to Win explores the political potential and concrete first steps of a Green New Deal. It calls for dismantling the fossil fuel industry and building beautiful landscapes of renewable energy, guaranteeing climate-friendly work and no-carbon housing and free public transit. And it shows how a Green New Deal in the United States can strengthen climate justice movements worldwide. We don’t make politics under conditions of our own choosing, and no one would choose this crisis. But crises also present opportunities. We stand on the brink of disaster—but also at the cusp of wondrous, transformative change.

    Whatever you or I do personally--eat tofu in a Hummer or hamburgers in a Prius--the planet doesn't notice. In our confrontation with climate change, species preservation, and a planet going off the cliff, it is what several billion people do that makes a difference. The solution? It isn't science, politics, or activism. It's smarter economics.The hope of mankind, and indeed of every living thing on the planet, is now in the hands of the dismal science. Fortunately, we've been there before. Economists helped crack the acid rain problem in the 1990's (admittedly with a strong assist from a phalanx of lawyers and activists). Economists have helped get lead out of our gas, and they can explain why lobsters haven't disappeared off the coast of New England but tuna is on the verge of extinction. More disquietingly, they can take the lessons of the financial crisis and model with greater accuracy than anyone else the likelihood of environmental catastrophe, and they can help save us from global warming, if only we let them.

    Focused more on concepts than on statistical methods, it shows readers how to properly use statistics to analyze data and demonstrates how computer software is an integral part of this analysis. "Using Statistics" scenarios discuss how statistics is used in a real business setting. Includes contemporary business applications, many with real data sets, and an integrated case that runs throughout chapters. "PHSTAT," a custom designed Excel add-in, is packaged with each book. Introduction and Data Collection. Presenting Data in Tables and Charts. Summarizing and Describing Numerical Data. Basic Probability and Probability Distributions. Sampling Distributions and Confidence Interval Estimation. Fundamentals of Hypothesis Testing: One-Sample Tests. Two-Sample and C-Sample Tests with Numerical Data. Hypothesis Testing with Categorical Data. Statistical Applications in Quality and Productivity Management. The Simple Linear Regression Model and Correlations. Introduction to Multiple Regression. Time Series Analysis. An accessible introduction or refresher on statistics for those in accounting, marketing, management, economics, and finance.

    Calculus is not a prerequisite, although examples and exercises using very basic calculus are included (labeled Calculus Required.) The most technology-friendly text on the market, Introductory Linear Algebra is also the most flexible. By omitting certain sections, instructors can cover the essentials of linear algebra (including eigenvalues and eigenvectors), to show how the computer is used, and to introduce applications of linear algebra in a one-semester course.

    Jones and George are dedicated to the challenge of "Making It Real" for students. The authors present management in a way that makes its relevance obvious even to students who might lack exposure to a "real-life" management context. This is accomplished thru a diverse set of examples, and the unique, and most popular feature of the text, the "Manager as a Person" Chapter 2. This chapter discusses managers as real people with their own personalities, strengths, weaknesses, opportunities, and problems and this theme is carried thru the remaining chapters. This text also discusses the importance of management competencies--the specific set of skills, abilities, and experiences that gives one manager the ability to perform at a higher level than another in a specific context. The themes of diversity, ethics, globalization, and information technology are integrated throughout.