The authors retain their modern approach to finance, but have distilled the subject down to the essential topics in 18 chapters. They believe that understanding the "why" is just as important, if not more so, than understanding the "how," especially in an introductory course. Three basic themes emerge as their central focus: 1. An emphasis on intuition--separate and explain the principles at work on a common sense, intuitive level before launching into specifics. Underlying ideas are discussed first in general terms, then followed by specific examples that illustrate in more concrete terms how a financial manager might proceed in a given situation.2. A unified valuation approach--Net Present Value is treated as the basic concept underlying corporate finance. Every subject the authors cover is firmly rooted in valuation, and care is taken to explain how decisions have valuation effects.3. A managerial focus--Students learn that financial management concerns management. The role of financial manager as decision maker is emphasized and they stress the need for managerial input and judgment.

    Featuring programs and resources available throughout the U.S. and Canada"An authoritative and comprehensive overview of the benefits of energy-efficient homes." ---Kirkus ReviewsLive in a Home that Pays You Back lights the way for enjoying a home that is healthier, more comfortable, saves money, and reduces your carbon footprint. Whether you are planning to build, buy, or retrofit a home, award-winning author Anna DeSimone takes you on a virtual tour through the home of the future. A practical reference guide that can be used for years to come, this illuminating book uncovers every part and parcel of the sustainable home, with precise explanations and infographics, plus hundreds of resources for further exploration. You'll have fun exploring the world of renewable energy, such as solar photovoltaics, wind power, geothermal energy, hydro-electric power, and biomass fuels. You'll learn how "positive energy" puts money in your pocket through incentives such as net metering, net billing or renewable energy certificates--a tradeable commodity with cash value.This eye-opening book takes a look at the health benefits of living in an energy-efficient home, and includes guidance about water safety, biological pollutants and environmental toxins. Everything you need to know about energy scores, building certifications, and the home building options for net zero, net zero ready, passive homes, pre-fab, modular, log and timber, and more. Mortgage financing chapter covers down payment assistance, national energy-efficient loan programs, borrower qualification incentives, and how to roll in the cost of an energy retrofit into your mortgage.The path to zero can be taken in small steps. This book prepares you and your household to make informed decisions for implementing energy-efficient technologies according to your needs and budget. And you'll enjoy many kinds of payback, every step of the way.Book includes a directory of rebates and incentives by Canadian province and U.S. state. Available in paperback and e-book.

    The chapters follow a progressive sequence that teaches basic skills through practical, accessible exercises–how to handle a brush, achieve the right paint consistency, mix color, and create dimension–building a solid foundation that readers can rely on as painting projects grow more challenging. A special feature is the artwork and commentary of real students, which helps beginners set realistic goals and shows them how other artists at the same level of experience have worked through inevitable setbacks to achieve success.

    This art form has been developed by Rick Roberts and Maria Thomas. What I love most about this art form is that all the patterns are based on simple lines, circles and shapes. Anyone can do it. The beauty of Zentangle lies in the way these patterns evolve from their simple building blocks. Different patterns are put together to create small ‘tiles’ or square drawings. Zentangle art has been used by artists from all over the globe and from all art fields. They have incorporated Zentangle art into everything from mixed media, paper crafting, scrap booking to home décor projects. A simple search on Google images will reveal the vast world of Zentangle art! Zentangle art has also been used by kids all over the world to have fun and make paper toys. With this book Zentangle art can now be used by you to rest, relax, create and make art! This book is perfect for the beginner as well as the experienced tangler. We will go through the list of tools needed, basic tangles created by Rick and Maria, Zentangle Inspired Projects, creating new tangles and lots of worksheets for you to play with and have fun. So left brained or right brained, artist or scientist, child or adult join us in this wonderful journey as we discover and create awesome doodles and tangles. This book will take you from the tools needed to start your Zentangle art experience to creating some beautiful Zentangle Inspired Art pieces that will range from mixed media to home décor crafts. Let’s take a brief look at all we will cover in this book. We will discuss paper, pencils, tiles and log books to store patterns. Once we have all the basics in place we will move on to basic tangle patterns. These tangle patterns have either all been developed by the founders of Zentangle, Rick and Maria or are part of the list of official tangles. They are a great place to start your tangling adventure. Tangles can also be enhanced in several different ways. We will talk about four of these methods and share some examples. Next up we will add some color to the black and white world of Zentangle Art and stir things up a bit. We will go through several different ways in which color can be incorporated in your tangled art. Then we come to the art creation section of the book! In Chapter 5 I will share lots of worksheets for exercises and projects you can do yourself whenever you want. The worksheets come as an easy download and you can print as many as you want to use for yourself or share with family and friends when you introduce them to tangling. These worksheets come as a separate pdf which is available for FREE download for all readers. In Chapter 6 I will outline and give instructions for several applications of Zentangle art in the popular art and craft forms today. We will talk about mixed media art dolls, home décor items, book making, art journaling, card making, paper quilts, Artist Trading Cards and paper crafting. To finish up I will share with you a few of the tangles I have come up with and will show you how to create your own!

    From two of the most respected names in crochet, this indispensable resource provides excellent value. Find step-by-step instructions for more than 350 stitches, from easy to advanced, including shells, fans, clusters, bobbles, and more See a swatch for each stitch in a full-color, close-up photograph Locate quickly and conveniently any stitch you like; stitches are grouped by style for easy reference, and an alphabetical index is also included

    Having risen through Hammer Horror films to international stardom as Bill Sykes in Oliver!, Reed became, in his own works, 'the biggest star this country has got'. With his legendary off-screen exploits and blunt opinions - especially of his co-stars - he was also one of the most infamous.Bestselling author Cliff Goodwin uses material from first-hand interviews with Reed's family, friends and colleagues and never before seen photographs to explore Reed's eventful career. But he also reveals another side to this unique and complex man.

    There are even patterns for the family dog and cat.

    Brad was a journalist, and Vena, a dance director. One day they packed up all their belongings and set off for a remote spot in the woods of British Columbia. This is the story of their first year "living the life of Thoreau today"--simply, happily and successfully.

    Each recipe incorporates one or more of the Abs Diet Power 12 Foods such as almonds, spinach, turkey, and olive oil that are scientifically proven to burn fat and build muscle. The meals in this book take the guesswork out of weight loss and make calorie counting unnecessary. For beginners and seasoned cooks alike, this selection of classic and innovative meals such as Fig andProsciutto Tortilla Bites, Walk-the-Plank Grilled Salmon with Grilled Pineapple, and Blackberry Parfait Martinis makes losing weight and eating healthier both easy and delicious. Special features include speedy meals that take under five minutes to prepare, a beginner’s guide to food-prep basics, and The New Abs Diet Cheat Sheet and Portion-Distortion Decoder. Based on cutting-edge nutrition research on how to prevent high cholesterol, diabetes, and heart disease with tasty, healthy foods, The New Abs Diet Cookbook is the perfect weight-loss guide for anyone who despises dieting and loves eating.

    Use this book’s handy flowcharts to make your next irrelevant choice with pseudoscientific confidence! Make the right dumb decision the first time—every time Perfect book gift for anyone who faces meaningless judgment calls Paperback; 7 x 7 inches, 96 pages; 2013 PubWest Book Design Award winner for cover design

    

    Those involved in marketing, design, advertising, and retail need to be as informed as possible about the usage of color as a means of instant communication in order to make appropriate color decisions.This guide explains the emotional response to color and covers the latest guidelines for effective color combinations including the integration of color trends. With up-to-date visuals and printing formulas to eliminate guess-work, this guide empowers and equips its users to make smart informed decisions.

    Using the theme of "home," each artist designed five altered art rooms to complete an individual 9"x12" 'house' that closes like a book or can stand accordion style. Each house is a part of a larger whole; a neighborhood of twelve unique and fascinating art-full houses, varying in execution, theme, and style, yet united as part of the larger neighborhood. Each "house" is a unique interpretation on the theme, reflecting the artist's style and incorporating the mixed media techniques for which each artist is most well known. The thirteen artists have created an inspiring collage technique workbook for readers. The back of the book includes a blank "house" template and a clip-art gallery of home-themed imagery that readers can alter and use in their own collage work.

    The special skills of a shepherd demanded compassion, care, and guidance. His practical experience provides a wellspring of profound spiritual insight, reflected in these timeless meditations on the most famous psalm of all, on the relationship between the Good Shepherd and his sheep, and on the sacrificial role of Christ the Lamb of God.

    Explains the dynamics of safe motorcycling, including ways to become a better rider, navigating the roads, and lifesaving tips to remember while riding.