As a guy who barely made a living as a river guide, I considered the whole process pretty impenetrable, and I was convinced that to do it right you had to make it a full-time job. Me, I was more interested in having full-time fun.So I was tempted to do what you’re probably doing right now: letting some mutual fund manager worry about growing your nest egg. Let me tell you why that decision could one day make you absolutely miserable. The fact is, because of natural market cycles, the mutual fund industry is likely to soon be facing twenty years of flat returns. That means that if you’ve got your nest egg tucked away in funds—especially the type found in most 401ks—your egg won’t get much bigger than it is now. Translation: Get ready for a retirement filled with lots of cold cuts, plenty of quality TV-watching time, and a place to live that’s too small to accommodate your visiting kids.In this book I’ll show you how I turned $1,000 into $1 million in only five years, and then proceeded to make many millions more. I came to investing as a person who wasn’t great at math, possessed zero extra cash, and wanted a life—not an extra three hours of work to do every day.Fortunately, I was introduced to The Rule.Rule #1, as famed investor Warren Buffett will tell you, is don’t lose money. Through an intriguing process that I’ll clarify in this book, not losing money results in making more money than you ever imagined. What it comes down to is buying shares of companies only when the numbers—and the intangibles—are on your side. If that sounds too good to be true, it’s because the mind-set I’ll be introducing you to leads not to bets but to certainties. Believe me, if there were anything genius-level about this, I’d still be a river guide collecting unemployment much of the year.Part of the secret is thinking of yourself as a business owner rather than a stock investor. Part is taking advantage of today’s new Internet tools, which drastically reduce the “homework factor.” (We’re talking a few minutes, tops.) Part is knowing the only five numbers that really count in valuing a potential investment. And part—maybe the most important part—is using the risk-free Rule #1 approach to consistently pay a mere 50 cents to buy a dollar’s worth of a business.What I won’t waste your time with is fluff: a lot of vague parables reminding you of what you already know and leaving you exactly where you started. This is the real deal, folks: a start-to-finish, one-baby-step-at-a-time approach that will allow you to retire ten years sooner than you planned, with more creature comforts than you ever imagined.Also available as a Random House AudioBook and eBook.

    Integrated central case studies woven throughout each chapter, use real-life stories to give you a tangible and engaging framework around which to learn and understand the science behind environmental issues. Printed on FSC (Forest Stewardship Council) certified paper, the newly revised Fourth Edition engages you through the addition of new EnvisionIt photo essays.

    This easy-to-use guide is updated and expanded to include new computer and technology signs and offers a fast and simple approach to learning. Includes:- Vocabulary reviews- Fingerspelling exercises- Sign matching and memory aids- A complete glossary and a comprehensive index- Clear instructive drawings

    Leon McBeth's 'The Baptist heritage' is a definitive, fresh interpretation of Baptist history. Based on primary source research, the book combines the best features of chronological and topical history to bring alive the story of Baptists around the world.

    The book begins with relevant scientific fundamentals and progresses through an exploration of the solar system, stars, galaxies, and cosmology. The Astronomy textbook builds student understanding through the use of relevant analogies, clear and non-technical explanations, and rich illustrations. Mathematics is included in a flexible manner to meet the needs of individual instructors.

    Designed primarily for undergraduates, this self-help manual offers straightforward solutions to common problems and an overview of the diversity of writing tasks faced by professional biologists.

    Then as now, many people considered globalization to be inevitable and irreversible. Yet the entire edifice collapsed in a few months in 1914.Globalization is a choice, not a fact. It is a result of policy decisions and the politics that shape them. Jeffry A. Frieden's insightful history explores the golden age of globalization during the early years of the century, its swift collapse in the crises of 1914-45, the divisions of the Cold War world, and the turn again toward global integration at the end of the century. His history is full of character and event, as entertaining as it is enlightening.

    Fleckenstein, Greenspan's nearly 19-year career as Federal Reserve Chairman is even worse than anyone imagined. Labeled "Mr. Bubble" by the New York Times, Greenspan was nothing less than a serial bubble blower with a long history of bad decision-making. His famous "Greenspan Put" fueled the perception of a Goldilocks economy-but, as this explosive expose reveals, the bear has finally caught up with Goldilocks.Using transcripts of Greenspan's FOMC meetings as well as testimony before Congress, this eye-opening book delivers a timeline of his most devastating mistakes and weaves together the connection between every economic calamity of the past 19 years:The stock market crash of 1987The Savings & Loan crisisThe collapse of Long Term Capital ManagementThe tech bubble of 2000The feared Y2K disasterThe credit bubble and real estate crisis of 2007Fleckenstein explains just how far-reaching Greenspan's mess has been flung, and presents damning evidence that contradicts the former Fed chief's public naivete concerning shifts in the market and economy. He also points to a disturbing fact, that throughout his career, Greenspan not only made costly mistakes, but made the same ones-over and over again. And not only was he never able to recognize or admit to those mistakes, he constantly rewrote his own history to justify them.Greenspan's Bubbles offers a lock-stock-and-barrel portrait of a flawed but fascinating man whose words and actions have led a whole generation astray, and whose legacy will continue to challenge us in the years ahead.

    This book is the most engaging, focused and applied HRM text on the market.

    In this day and age, young people can't afford to repeat the financial mistakes made by their parents. Thankfully, there is a way for the middle class of today to build wealth and be happy. This practical guide will lead you through the life-long journey of financial independence, free from money related stress and empowered to live life the way you want. In Building Wealth And Being Happy: A Practical Guide To Financial Independence, you'll learn:- How to slowly get rich over many years and retire early- How to have a positive, healthy relationship with money- Whether you should use a financial advisor or DIY- Whether you should rent or buy the place you live in- Whether you should partake in socially responsible and green investments- If you can trust the stock market- If you should invest in real estate or gold- And much, much more...

    This comprehensive survey of microfinance seeks to bridge the gap in the existing literature on microfinance between academic economists and practitioners. Both authors have pursued the subject not only in academia but in the field; Beatriz Armendariz de Aghion founded a microfinance bank in Chiapas, Mexico, and Jonathan Morduch has done fieldwork in Bangladesh, China, and Indonesia. The authors move beyond the usual theoretical focus in the microfinance literature and draw on new developments in theories of contracts and incentives. They challenge conventional assumptions about how poor households save and build assets and how institutions can overcome market failures. The book provides an overview of microfinance by addressing a range of issues, including lessons from informal markets, savings and insurance, the role of women, the place of subsidies, impact measurement, and management incentives. and Latin America and introducing ideas about asymmetric information, principal-agent theory, and household decision making in the context of microfinance. The Economics of Microfinance can be used by students in economics, public policy, and development studies. Mathematical notation is used to clarify some arguments, but the main points can be grasped without the math. Each chapter ends with analytically challenging exercises for advanced economics students.

    The 19 countries of Europe that share the euro currency—the eurozone—have been rocked by economic stagnation and debt crises. Some countries have been in depression for years while the governing powers of the eurozone have careened from emergency to emergency, most notably in Greece.In The Euro, Nobel Prize–winning economist and best-selling author Joseph E. Stiglitz dismantles the prevailing consensus around what ails Europe, demolishing the champions of austerity while offering a series of plans that can rescue the continent—and the world—from further devastation.Hailed by its architects as a lever that would bring Europe together and promote prosperity, the euro has done the opposite. As Stiglitz persuasively argues, the crises revealed the shortcomings of the euro. Europe’s stagnation and bleak outlook are a direct result of the fundamental challenges in having a diverse group of countries share a common currency—the euro was flawed at birth, with economic integration outpacing political integration. Stiglitz shows how the current structure promotes divergence rather than convergence. The question then is: Can the euro be saved?After laying bare the European Central Bank’s misguided inflation-only mandate and explaining how eurozone policies, especially toward the crisis countries, have further exposed the zone’s flawed design, Stiglitz outlines three possible ways forward: fundamental reforms in the structure of the eurozone and the policies imposed on the member countries; a well-managed end to the single-currency euro experiment; or a bold, new system dubbed the “flexible euro.”With its lessons for globalization in a world economy ever more deeply connected, The Euro is urgent and essential reading.

    Bridging the chasm between educational and social history, this book was one of the first to examine developments in higher education in the context of the social, economic, and political forces that were shaping the nation at large.Surveying higher education from the colonial era through the mid-twentieth century, Rudolph explores a multitude of issues from the financing of institutions and the development of curriculum to the education of women and blacks, the rise of college athletics, and the complexities of student life. In his foreword to this new edition, John Thelin assesses the impact that Rudolph's work has had on higher education studies. The new edition also includes a bibliographic essay by Thelin covering significant works in the field that have appeared since the publication of the first edition.At a time when our educational system as a whole is under intense scrutiny, Rudolph's seminal work offers an important historical perspective on the development of higher education in the United States.

    This new edition continues its tradition of providing the most comprehensive and up-to-date content available today. New chapters on medical nutrition therapy for psychiatric disease and developmental disorders spotlight the advances made in these areas. Extensive appendices, tables, illustrations, figures, and clinical insight boxes give practical hands-on procedures and clinical tools with the most current information, including brand-new guidelines on food intake and physical activity, and highlight the inclusion of the new food guide pyramid, MyPyramid, to use in everyday practice.Edited by two leading experts in nutrition, L. Kathleen Mahan and Sylvia Escott-Stump, and written by nationally recognized contributors to ensure that all information is comprehensive and current.Hundreds of full-color illustrations bring nutrition therapy to life and provide a realistic representation of clinical practice.UNIQUE! Pathophysiology algorithms present the cause, pathophysiology, and the medical nutrition management for a variety of disorders and conditions, helping you better understand the illness process and provide optimum nutritional care.Clinical Insight, New Directions, and Focus On... boxes provide additional information and suggest further discussion, study, or research.Clinical Scenarios offer case studies that help you apply what you've learned to real-world situations.Relevant websites direct you to online resources for further information on specific chapter topics.Key Terms are defined at the beginning of each chapter and highlighted within the text to help you focus your study and test your mastery of the information.Evolve Student Resource contains WebLinks and more than 1,000 self-assessment study questions that provide instant feedback.Medical Nutrition Therapy for Psychiatric Conditions chapter explores recent research into the links between nutrition and mental disorders such as Alzheimer's disease, anxiety disorder, bipolar disorder, dementia, depression, and schizophrenia.Medical Nutrition Therapy for Developmental Disabilities chapter looks at the unique nutritional needs of individuals with ADHD, Downs syndrome, cerebral palsy, and muscular dystrophy and the role medical nutrition therapy plays in providing effective care.Information on energy, macronutrients, vitamins, and minerals is now summarized in easy-to-read, need-to-know tables and bulleted lists, providing a quick review of basic nutrition.Updated information on the Dietary Guidelines for Americans 2005 and MyPyramid presents information on the newest recommendations for nutrients and physical activity throughout the text, while integrating the customizable MyPyramid into plans of care.Sample Nutrition Diagnosis boxes in each chapter present a problem, its etiology, and its signs and symptoms before concluding with a sample nutrition diagnosis, providing you with real-life scenarios you may encounter in practice.Nutritional Facts in the appendices put the content of the chapter into a practical and convenient format that students and dietetics professionals can use in their education of the client on necessary nutritional care.Updated content is provided on the new Dietary Reference Intakes, the 2000 Dietary Guidelines and Healthy People 2010.New information is included on type 2 diabetes and prediabetes.The newest guidelines released by the National Institute of Health to assist with implementing the DASH diet for effective management of hypertension.The latest information is presented on dietary supplementation and integrative care, with cutting-edge evidence of how the nursing care process is changing to provide better care.

    This new edition of Elementary Korean, the most comprehensive and detailed introductory Korean textbook available, offers beginning learners of Korean everything they need to learn the language effectively. Perfect for a first-year university-level course use or the independent language learner. No prior knowledge of the language is necessary. The new format, now with dozens of illustrations, presents Korean vocabulary and Korean grammar in an accessible and understandable manner while extensive conversations and exercises help to reinforce the Korean language and build reading and listening comprehension. This edition includes:An MP3 audio CD and a dedicated website.Rich and highly nuanced examples with brand new illustrations.Detailed but on–technical grammar notes, ample writing exercises with an accompanying answer key.Detailed examples of authentic dialogue.Highly technical grammar notes.Plenty of writing practice.Dialogues, reading texts, and written exercises are in Hangul, the Korean alphabet, so students are quickly able to read and write authentic Korean. Layered lessons are designed to build on each other, making Korean easy to learn from the most popular introductory Korean language textbook available. Included is a revised audio CD that helps learners to speak like a native and a web-based practice component through the University of British Columbia that can help students to learn Korean even beyond the pages of this book. According to the Modern Language Association, enrollment in Korean in American universities is increasing rapidly. Available separately is the companion Elementary Korean Workbook. This helpful workbook will assist you in practicing and polishing your Korean language skills. Each lesson supplements the corresponding lesson in the textbook. There are ten activities per lesson, offering a range of exercises and practice opportunities to enable you to achieve proficiency in everyday, conversational Korean.