From the personal finance correspondent for public radio's Marketplace Money, a new plan for a new economic reality--the philosophy and practice of living frugally.
As a once-in-a-lifetime downturn deepens, our go-go economy has become an uh-oh economy. But as trusted finance reporter Chris Farrell explains, there's a silver lining to this cloud: It is accelerating a trend already under way in America toward what he calls the New Frugality--a fresh way of thinking about how, what, and why we consume. In today's economy, a "sustainable" lifestyle isn't just one that's good for the planet--it's one that is based around core values and one that sustains your bank balance as well.
In this friendly, approachable book, Farrell explains both the theory and the practice of living frugally. Frugality, he reminds us, does not mean old-fashioned penny-pinching. It means spending your money on quality rather than quantity--buying the best you can afford but the least you need. Drawing on his expertise as a financial reporter and his years of conversations with his public radio listeners, he provides down-to-earth, practical advice for every aspect of your financial life, including:
- how to always maintain a "margin of safety" in your spending
- the frugal home: renting vs. owning
- the two best ways to save for college
- wise debt vs. foolish debt
- why giving your money away can be "newly frugal"
The New Frugality amounts to a paradigm shift in the way we spend and save. The good news is, a frugal lifestyle is one of less waste, lower environmental impact, greater peace of mind, and, over the long run, deeper satisfaction.
This is the clearest, most useful guide to parliamentary procedure, now with new information on effective and reliable procedures for nominations, elections, ballots, balloting, and ballot counting.
This book is designed to help nonprofit organizations craft proposals for grants from foundations, companies, and government agencies.
Ellen Karsh, a writer and former director of the Mayor's Office of Grants Administration, in New York, and Arlen Sue Fox, associate executive director for development at Sunnyside Community Services, also in New York, significantly update this edition from 2005 by including interviews with grant makers about how the current economic crisis is affecting their giving and how grant seekers can improve their chances of garnering support.
The book includes a proposal checklist, a glossary of terms, sample grant forms, and a list of Web sites that provide information on grants offered by foundations, corporations, and the government.
--from the Chronicle of Philanthropy
More than 5,000 terms related to stocks, bonds, mutual funds, banking, tax laws, and transactions in the various financial markets are presented alphabetically with descriptions. The new eighth edition has been updated to take account of new financial regulations and recent dramatic swings in equities, credit, and other financial resources. Readers will also find a list of financial abbreviations and acronyms, as well as illustrative diagrams and charts. Here's a valuable short-entry dictionary for business students, as well as for office reference and the home bookshelves of private investors.
This comprehensive reference book has been updated to reflect the country's gradually recovering real estate market. It covers virtually every aspect of buying and selling, understanding mortgages, analyzing real estate investment opportunities, getting and understanding appraisal reports, and more. The book's most important features include
- An up-to-date summary of federal real estate legislation and regulations
- An overview and general description of careers in real estate
- A 400-plus-page real estate glossary with A-to-Z short-entry definitions of real estate terms, financing terms, house styles and parts, and real estate organizations
- An extensive set of tables that show monthly mortgage payment figures calculated across a wide range of annual interest rates
- Facsimile real estate forms and worksheets to familiarize potential buyers with the paperwork involved in getting a mortgage and purchasing real estate
Here in one volume is a compendium of facts, figures, and general information that covers virtually every aspect of today's real estate industry. Features hundreds of charts, tables, and line illustrations.
""Inc. Yourself" is a true classic. I've recommended it hundreds of times."
--Scott DeGarmo, former editor-in-chief, Success magazine
"Judith McQuown always gives you the right advice to create and make your new business flourish. If you don't understand that your best wealth-builder is your own company, you will by the time you finish the latest edition of "Inc. Yourself.""
--Adriane Berg, WABC Radio
"Finally...a guide that cuts through all the legal jargon with clear and actionable information We recommend it on our national radio program ALL the time."
--Daria Dolan and Ken Dolan, WOR Radio Network, CBS Television
"Inc. Yourself" is the longest-selling business book in continuous print in the history of trade publishing, with more than 500,000 copies sold since 1977.
This "entrepreneurial classic" (CNBC) is now completely revised and updated--and available in a lower-priced paperback--to help new and recent entrepreneurs. Written in clear, easy-to-understand language, Inc. Yourself is a no-nonsense, step-by-step guide to success. It provides meticulously researched information on the latest tax laws and legislation that affect individuals and small businesses.
The following are just a few of the critical issues covered:
Selecting the right type of corporation for your business or profession.
Having your office home or away.
Designing the right pension plan.
Investing your corporate surplus.
Choosing the best benefits for your needs.
Modern Banking concludes with a set of case studies that give practical insight into the key issues covered in the book:
- The core banking functions
- Different types of banks and diversification of bank activities
- Risk management: issues and techniques
- Global regulation: Basel 1 and Basel 2.
- Bank regulation in the UK, US, EU, and Japan
- Banking in emerging markets
- Bank failure and financial crises
- Competitive issues, from cost efficiency to mergers and acquisitions
- Case Studies including: Goldman Sachs, Bankers Trust/Deutsche Bank, Sumitomo Mitsui, Bancomer