America: Who Really Pays the Taxes?
A disturbing, eye-opening look at a tax system gone out of control.Originally designed to spread the cost of government fairly, our tax code has turned into a gold mine of loopholes and giveaways manipulated by the influential and wealthy for their own benefit. If you feel as if the tax laws are rigged against the average taxpayer, you're right: Middle-income taxpayers pick up a growing share of the nation’s tax bill, while our most profitable corporations pay little or nothing.Your tax status is affected more by how many lawyers and lobbyists you can afford than by your resources or needs.Our best-known and most successful companies pay more taxes to foreign governments than to our own.Cities and states start bidding wars to attract business through tax breaks—taxes made up for by the American taxpayer. Who really pays the taxes? Barlett and Stelle, authors of the bestselling America: What Went Wrong?, offer a graphic exposé of what’s wrong with our tax system, how it got that way, and how to fix it.
Money and Relationships
Credit is essentially borrowed money. When you use a credit card or take out a loan, you are agreeing that you will borrow money now and pay it back later. Learn all this and more in Understanding Credit.
The Everything Grant Writing Book
Expert advice to create the perfect proposal and raise the funds you need! If you’re a fundraiser, you know that raising money is the key to every nonprofit’s success. But the competition for funds can be fierce and the obstacles many. The Everything ® Grant Writing Book gives you the insider information you need to get past the gatekeepers, beat out the competition, and obtain those much-needed funds. This completely updated guide shows you how to: --Do the necessary research to find available grants --Write an effective statement of need --Build community collaborations and partnerships --Develop a budget and budget narrative --Format effective letters of inquiry --Write proposals for capital projects --Find current online foundation resources --Focus on sustainability, the most important concept in philanthropy today From writing letters of inquiry and developing action plans to outlining and drafting proposals, The Everything ® Grant Writing Book helps you get the funds you need—every time!
Thirty Days to a Good Job
This positive, highly focused program provides you with an accelerated schedule that reduces the conventional six- to twelve-month job-search "sleepwalk" into a well-thought-out blitz.In what is the first really fresh job-hunting idea since What Color is Your Parachute?, 30 Days to a Good Job puts you on a strategic, systematic 30-day program that leaves you no time to become discouraged. This positive, highly focused program provides you with an accelerated schedule that reduces the conventional six- to twelve-month job-search "sleepwalk" into a well-thought-out blitz that gets you not one but a half-dozen contacts in each of your prospective companies and up to 150 job contacts in a single month. 30 Days to a Good Job will show you: How to arm yourself with the most effective self-marketing techniques to beat out the competition; How to use a highly structured 30-Day Job Planning Calendar, complete with specific assignments to perform daily; How to speed up your job search by employing Job Prospect Cards (listing company names and key decision-makers within the organization), Life Experience Cards (documenting work, education, and social experiences to help individualize resumes and cover letters), and a Contact Notebook (featuring pertinent information for follow-up letters and phone calls); How to develop your own original, hand-tailored letters and resumes as adjuncts to the all-important and decisive job interviews; How to computerize your job search.
The Lancaster Men
Another magnificent romance from Janet Daily—America’s greatest storyteller and author of the Americana romance series! Three years after free-spirited Shari Sutherland escaped from the Lancaster family patriarchs, she returned home because of her mother’s stroke. There she was reunited with Whit Lancaster, her rugged stepbrother—and suddenly her feelings for him were anything but sisterly. But Whit wanted sole possession of the raven-haired beauty. And even as Shari rebelled against his arrogance, she knew he was the only man she would ever want…the one man whose strong touch would arouse her deepest passion!
The Politics of Public Fund Investing
Until now, there has never been a book to help public fund managers direct fixed-income portfolios while simultaneously balancing politics, or the need to preserve principal, with economics, or the need to optimize income. The Politics of Public Fund Investing approaches public fund management from the lay perspective, providing much-needed guidance to modify Wall Street strategies to serve the needs of Main Street. If you manage a public fund, if you are an elected official, or if you oversee a portfolio for a foundation or an endowment, you know the traditional money management strategy used every day on Wall Street doesn't necessarily apply to your situation. For you, investing isn't simply about economics. Wall Street strategies do not take into account election cycles, political risk factors, or the unique performance assessments public funds must undergo. When Wall Street builds a portfolio, it doesn't need to consider the opinions and desires of a wide variety of constituents, and the management of the portfolio's performance doesn't carry the same level of career risk. This groundbreaking book is the first resource ever available to the stewards of public fund investing entrusted with the responsibility to make financial decisions in this unique environment. The Politics of Public Fund Investing shows readers how to evaluate and measure their funds' performance through specific techniques, standards, and procedures. It begins by addressing the key differences between Wall Street and Main Street, explaining which methods of Wall Street are unsuited to public fund management and why. The book provides a framework for moving from a static investment policy to a dynamic investment plan, making the important distinction between what is "legal" in terms of policy and what is "suitable" in terms of the objectives of the stakeholders. The book goes on to propose exceptional and beneficial insights into appraising a fund's performance along with providing a four-step process to build a politically correct portfolio. Finally, it shows how to be safe and optimize income within the constraints of acceptable risk. Based on years of experience and invaluable research, The Politics of Public Fund Investing is an innovative, compelling, and much-needed guide to navigating the complex territory where the political environment meets public investing.
When newspapers across the country reported Capital Cities Communications' stunningly successful bid for ABC, The New York Times asked a senior official at another of Capital Cities' recent acquisitions, Institutional Investor, if it was true that Capital Cities left management in place when it took over a firm. "I was a little skeptical when the company was bought," he conceded. "But they create a sense of trust. It's a wonderful motivational device."This concept of trust as a key to organizational effectiveness lies at the heart of Radical Management, Samuel A. Culbert and John J. McDonough's challenging new book. For years, the authors point out, business has been enslaved to a "rational" model of management that asks only that executives meet narrow organizational goals, regardless of the needs and views of those they work with. But while this bottom-line mentality can produce satisfactory results on the balance sheet, in the workplace its effects are often disastrous -- breeding misunderstandings, hidden resentments, infighting, and even costly power struggles.Arguing that what many executives understand about the complex political forces at work in an organization "wouldn't fill the proverbial thimble," Culbert and McDonough propose a radical model of management: one that gives managers the insight they need into organizational politics to allow them to improve communication and share power. Generously illustrated with revealing case vignettes drawn from their extensive consulting experience, the authors' framework shows accomplished and prospective managers alike how to recognize and respect the inevitably differing talents, perspectives, and expectations that associates bring to their jobs. It reveals the enormously subjective influences at work in any organization and why they must be openly acknowledged and accommodated if managers are to promote cooperation and assure productivity.Radical Management decodes and demystifies the vast majority of organizational conflicts in which executives at all levels so often become embroiled. Adding a human dimension missing from the "rational" model's hard-nosed, coldly analytic approach to management, Culbert and McDonough demonstrate how to foster the trust that generates teamwork, cements support for corporate plans, and -- yes -- boosts profits as well. Above all, they prove that trusting relationships in business make for more than good office morale: They're nothing less than "the most efficient management tool ever invented."
A Guide to Teaching Young Adults About Money
Parents and teachers can help young people understand the complex world of money and finance—and give them a head start in establishing good financial habits. This guide offers parents and educators resources and discussion topics for materials covered in The Junior Library of Money.
The Everything Guide to Mortgages Book
Finding the right home can be easy. Finding the right mortgage-one you can afford-can be a challenge. You need to arm yourself with the latest information so you can make the right decision for you and your family, especially in the current housing market. In plain English, finance expert Lisa Horton shines a light on the confusing world of points, interest rates, and credit scores. Whether you're buying your first home, trading up to a larger one, or buying a rental property, you'll find all you need inside.Learn how to:Save for a down payment and prepare to borrowUnderstand credit reports and credit scoresDeal with banks, mortgage brokers, and online lendersRefinance a mortgageThe Everything Mortgage Book teaches you how lenders work, how different kinds of loans are structured, and what they're best for. You'll also learn which mortgage practices and loans you should avoid. Whether you have a great credit history or a poor one, you'll be able to get the best loan for your most important purchase-your home.Lisa Holton is the author of How to be a Value Investor, The Essential Dictionary of Real Estate, and the Encyclopedia of Financial Planning. She is a contributing writer for the Financial Planning Association on consumer finance and retirement planning issues. Ms. Holton heads the Lisa Company, a writing, editing, and research firm. She lives in Evanston, IL.
Popular speaker, multimillionaire, and author of the all-time bestselling real-estate book Nothing Down, Robert G. Allen knows how to bring you financial success. With his seminars sweeping the nation, Allen is at the cutting edge of strategic wealth creation now more than ever. And in this completely revised edition of his classic bestseller Creating Wealth Allen gives you the basic principles that you need to stop thinking poor and start growing rich. Moving beyond just real estate, Allen goes straight to the core of people's inner motivations and beliefs about money to give you all the fundamentals of wealth creation. By developing a wealthy mind-set, anyone can take off into financial self-reliance -- and Allen shows you how. He explains the ways in which most of us have been programmed to think that only saving is good and debt and risk are bad, so that in our efforts to gain security, we cheat ourselves out of getting rich. The key to changing that mind-set is Allen's unique integration of real estate with other wealth-generating investments. In his trademark, easy-to-understand style Allen spells out all his practical applications and shows you how to: Take advantage of recent tax laws Use leverage to multiply holdings while minimizing risks Benefit from high-yield discount mortgages Acquire long-term profits in gold and silver coins Set up corporations and trusts to protect assets Find the highest rate of return with the greatest liquidity As Robert Allen has proved in his own life -- becoming a multimillionaire well before he was thirty-five -- it doesn't matter how much or how little money you have when you start as long as you understand the right principles -- timeless principles that can make you a fortune.
How to Keep Your Job in a Tough Competitive Market
Mergers, outsourcing, and downsizing are the order of the dayand tomorrow as well. And employees everywhere now live in fear of layoffs. In this no-nonsense career guide, HR experts from the front lines demonstrate how to become invaluable at work and fend off a pink slip. The authors explain how to:Make yourself and your contributions visibleStay aware of trends, anticipate change, and adaptAcquire a reputation as a positive team playerBecome the "go-to" person It is possible to weather the storm that's swiftly tearing through every industry in America. With this book, you get an insurance policy to you them hold onto you paycheck and remain gainfully employed!
Get Out of Debt! Book Three
As tens of millions of people have discovered, debt can be a crushing burden. It can tear down dreams and destroy lives. But debt can be avoided. With fiscal discipline and a clear plan, anyone can get out of debt and live debt-free.In the easy-to-read, accessible style of the Get Out of Debt! series, authors David and Marcia Rye explain how to:Assess debt problemsUse home equity to get rid of debtCut college expensesLive within a budgetUnderstand bankruptcy lawStay out of debtNo one has to live in the shadow of financial insecurity any longer. When the economy takes a turn for the worse, it's essential to get out of debt. With this series at your side, you’ll conquer debt and secure the financial future you deserve!Be sure to get all four books in the Get Out of Debt! series.
The Everything Budgeting Book
A step-by-step plan for creating a budget that makes every dollar count!Are you looking for practical ways to stretch your paycheck? Between working and maintaining a home, saving money can be difficult, but with The Everything Budgeting Book, 3rd Edition, you'll learn to use your money wisely today and prepare for tomorrow.This step-by-step guide shows you how to:Improve spending patterns.Save on everyday expenses.Keep finances in order.Prepare for unexpected events.Plan for the future.Whether you're saving for a house, a child's education, or a new car, The Everything Budgeting Book, 3rd Edition will help you meet your financial goals. With this essential guide, you can stop living paycheck-to-paycheck and start enjoying the wealth you didn't even know you had.
The Way We're Working Isn't Working
This book was previously titled, Be Excellent at Anything.The Way We're Working Isn't Working is one of those rare books with the power to profoundly transform the way we work and live. Demand is exceeding our capacity. The ethic of "more, bigger, faster" exacts a series of silent but pernicious costs at work, undermining our energy, focus, creativity, and passion. Nearly 75 percent of employees around the world feel disengaged at work every day. The Way We're Working Isn't Working offers a groundbreaking approach to reenergizing our lives so we’re both more satisfied and more productive—on the job and off. By integrating multidisciplinary findings from the science of high performance, Tony Schwartz, coauthor of the #1 bestselling The Power of Full Engagement, makes a persuasive case that we’re neglecting the four core needs that energize great performance: sustainability (physical); security (emotional); self-expression (mental); and significance (spiritual). Rather than running like computers at high speeds for long periods, we’re at our best when we pulse rhythmically between expending and regularly renewing energy across each of our four needs. Organizations undermine sustainable high performance by forever seeking to get more out of their people. Instead they should seek systematically to meet their four core needs so they’re freed, fueled, and inspired to bring the best of themselves to work every day. Drawing on extensive work with an extra-ordinary range of organizations, among them Google, Ford, Sony, Ernst & Young, Shell, IBM, the Los Angeles Police Department, and the Cleveland Clinic, Schwartz creates a road map for a new way of working. At the individual level, he explains how we can build specific rituals into our daily schedules to balance intense effort with regular renewal; offset emotionally draining experiences with practices that fuel resilience; move between a narrow focus on urgent demands and more strategic, creative thinking; and balance a short-term focus on immediate results with a values-driven commitment to serving the greater good. At the organizational level, he outlines new policies, practices, and cultural messages that Schwartz’s client companies have adopted. The Way We're Working Isn't Working offers individuals, leaders, and organizations a highly practical, proven set of strategies to better manage the relentlessly rising demands we all face in an increasingly complex world.
The 250 Power Words That Sell
Game-changing terms every salesperson should knowWouldn't you like your prospects to know that you can help them develop new solutions, create substantial efficiencies, and improve profit margins? In order for them to even give you the time of day, though, you'll need to be prepared with the words and phrases that will get you in the door.Stephan Schiffman, America's number-one corporate sales trainer, has gathered a powerful list of words and phrases that every successful salesperson needs in order to gain the competitive edge, leave a lasting and positive impression, and ultimately make a sale. Pulled from his sessions and key discussion points, these important terms will help you:Turn leads into prospects.Learn more about your clients' needs.Convey the ability to meet your clients' demands.Overcome objections during negotiations. With The 250 Power Words That Sell, you will watch your performance soar as you beat out the competition and surpass quota every quarter!
The Big Questions
In the wake of his enormously popular books The Armchair Economist and More Sex Is Safer Sex, Steven Landsburg uses concepts from mathematics, economics, and physics to address the big questions in philosophy: What is real? What can we know? What is the difference between right and wrong? And how should we live? Widely renowned for his lively explorations of economics, in his fourth book Landsburg branches out into mathematics and physics as well—disciplines that, like economics, the author loves for their beauty, their logical clarity, and their profound and indisputable truth—to take us on a provocative and utterly entertaining journey through the questions that have preoccupied philosophers through the ages. The author begins with the broadest possible categories—Reality and Unreality; Knowledge and Belief; Right and Wrong—and then focuses his exploration on specific concerns: from a mathematical analysis of the arguments for the existence of God; to the real meaning of the Heisenberg Uncertainty Principle and the Godel Incompleteness Theorem; to the moral choices we face in the marketplace and the voting booth. Stimulating, illuminating, and always surprising, The Big Questions challenges readers to re-evaluate their most fundamental beliefs and reveals the relationship between the loftiest philosophical quests and our everyday lives.
We Need to Talk - Tough Conversations With Your Boss
Asking a boss about more responsibility, an inappropriate coworker, or for some extra help can be scary! Employees don't want to step on anyone's toes or cross any boundaries, but they need answers! Tackling your most pressing questions and offering advice on what to say and how to say it, this book is every stressed employee's dream come true. This step-by-step guide covers workplace dialogue dilemmas like leave requests, disability discussions, performance issues, and promotion requests.It features:practical and precise advice for specific problem topicspoints of quick reference at a great pricerealistic scripts that help dictate what should and should not be said.
Social Media Strategies for Investing
A game-changing approach to investing in today's fast-paced market!"Brian has a great understanding of the social web and financial markets' intersection. I was inspired by Twitter in 2008 and started Stocktwits. Learning how to use the modern social tools to speed up your knowledge and abilities is something this book will help you accomplish." --Howard Lindzon, founder of StockTwitsWith financial markets operating at a breakneck pace, Twitter, blogs, and crowd-sourcing technologies have become the toolkit of choice for savvy investors looking for business trends. This comprehensive guide provides you with specific strategies for using social media as an investment tool to gain a greater understanding of today's market, so you won't get left behind. Author and Wall Street Journal "Best on the Street" analyst Brian D. Egger teaches you how to identify trends in the market, filter through social media messages with "smart feeds," and use hashtags and cashtags that are truly relevant to your stock portfolios. You will also find expert advice for incorporating social media into your daily investment research; using it to communicate with analysts, advisors, and corporate executives; and forecasting what lies ahead for the world of investing.With Social Media Strategies for Investing, you will not only enhance your understanding of the stock market, but also use social media to maximize your profits!
The Silo Effect
Award-winning journalist Gillian Tett “applies her anthropologist’s lens to the problem of why so many organizations still suffer from a failure to communicate. It’s a profound idea, richly analyzed” (The Wall Street Journal), about how our tendency to create functional departments—silos—hinders our work.The Silo Effect asks a basic question: why do humans working in modern institutions collectively act in ways that sometimes seem stupid? Why do normally clever people fail to see risks and opportunities that later seem blindingly obvious? Why, as Daniel Kahnemann, the psychologist put it, are we sometimes so “blind to our own blindness”? Gillian Tett, “a first-rate journalist and a good storyteller” (The New York Times), answers these questions by plumbing her background as an anthropologist and her experience reporting on the financial crisis in 2008. In The Silo Effect, she shares eight different tales of the silo syndrome, spanning Bloomberg’s City Hall in New York, the Bank of England in London, Cleveland Clinic hospital in Ohio, UBS bank in Switzerland, Facebook in San Francisco, Sony in Tokyo, the BlueMountain hedge fund, and the Chicago police. Some of these narratives illustrate how foolishly people can behave when they are mastered by silos. Others, however, show how institutions and individuals can master their silos instead. “Highly intelligent, enjoyable, and enlivened by a string of vivid case studies….The Silo Effect is also genuinely important, because Tett’s prescription for curing the pathological silo-isation of business and government is refreshingly unorthodox and, in my view, convincing” (Financial Times). This is “an enjoyable call to action for better integration within organizations” (Publishers Weekly).
Is This Working?
From the creator of the Dear Businesslady column comes a fresh, proactive book with advice for women entering the work force as well as those looking to move up the ladder.Everyone deals with some nonsense early in their career—whether it’s accepting a less-than-ideal position just to get a foot in the door, or having a manager who sleeps with his smart phone under his pillow and expects his staff to do the same. But how do young professionals know if the choices they’re making are moving them closer to their ultimate career goals? How do they know the answer when they ask themselves, “is it working?” Courtney Guerra, a.k.a. The Business Lady, knows how to set you on the path you belong. In a fun-to-read Q&A format, this book focuses on situations young people are likely to encounter in the workplace, along with a set of strategies you can use to get through them. In her signature tone that has gained her hundreds of thousands of readers, Guerra discusses topics relevant to young professionals, like how to make the jump from “just a job” to a career in line with what you went to school for, and how to stay productive when working from home at an apartment filled with roommates. No matter what the scenario, The Business Lady has the answer to get you on the path to long-term career success.
My New Orleans
From famous writers and personalities who call the city home, whether by birth or simply love, these pieces written in the wake of Hurricane Katrina serve as a timeless tribute to New Orleans.Sentimental, joyful, and witty, these essays by celebrated writers, entertainers, chefs, and fans honor the life of one of America's most beloved cities. Paul Prudhomme writes about the emotional highs New Orleans inspires, Wynton Marsalis exalts his native city as soul model for the nation, while Walter Isaacson shares his vision for preserving his hometown's pentimento magic. Stewart O'Nan recalls the fantasy haze that enshrouded his first trip to the Big Easy when he was thirty and bowed to Richard Ford to receive his first literary prize. Poppy Z. Brite thanks New Orleans for helping her discover the simple pleasure of Audubon Park's egrets, and Elizabeth Dewberry explores what it means to work Bourbon Street as a stripper. My New Orleans captures the spirit of the city that was—and that will be again.