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Most Americans are in great financial pain. They may appear to be fine because they don't express their suffering, but the overwhelming majority, three out of four, are living paycheck-to-paycheck with less than $1,000 for emergency savings. Many parents are still making payments for their own student loans while scraping every dime to send their children to college at the same time. People even with health insurance often hesitate to see a doctor because they fear what they may have to pay under deductible and coinsurance. Seniors are frequently skipping a meal because they can't afford it. How could that be? Among many reasons, expenses for college education and medical costs have been increasing at a faster rate than inflation, while wages have been stagnating in the past decades. And with decreasing pension plans, people have to prepare for their retirement now, for which they have no training. Financial professionals have been chasing the wealthy for so long, leaving the ordinary people who could've significantly benefited from their service mostly underserved. Many politicians seem to favor policies that are beneficial for their mega-donors, while lip-servicing wageworkers to get their votes. Working hard and being frugal is no longer enough for most people to be financially stable as it had been for the previous generations. What choice do you, an ordinary person, have to survive in this reality? Save as if your life depends on it and vote for politicians and policies that support your financial interests. Learn tax-advantaged features and utilize asset protection rules that have been enjoyed by the wealthy for so long and use them to save, grow, and protect your money. You have more power than you may think to improve your finances, and I hope this book will help awaken that power within you.
One's financial stability is achieved by understanding how everything, including but not limited to individual credit, financial fees, investment basics, asset protection, retirement accounts, insurance, tax laws, politics, etc., is correlated and effectively utilizing "the system". This book is written for people with financial worries, which is the overwhelming majority of Americans. The author explains seemingly complex topics in easy-to-understand terms using her own experience as examples. Updated 2023 ver.
Health Services Management: Competencies and Careers provides students in healthcare administration and management, public health, and other healthcare sectors with the necessary knowledge, practical understanding, and fundamental skills to become successful, confident, and empathetic health services managers in this exciting and growing field. The text incorporates fundamental management competencies in every chapter and supplies relevant examples of managerial decision-making and problem-solving in various health service delivery settings. Written with Generation Z students in mind, this book takes on a straightforward approach to planning, organizing, directing, and leading, and imparts important knowledge on the science of evidence-based management. Health Services Management covers the roles and functions of health services managers and breaks down the variety of subjects they must understand to be thoughtful and effective. Chapters cover the dynamic challenges in managing interpersonal relationships, navigating leadership and change, and balancing professionalism and ethics to prepare future leaders for the obstacles ahead. Students are also given a better understanding of population health management and community collaboration, healthcare governance, strategic planning and marketing, human resource management, organizational design, project management, financial management, and much more. Health Services Management is a foundational textbook for anyone seeking a challenging and enriching career as a health services manager. Key Features: Provides an easy-to-read text with an engaging style that will appeal to current and future health services managers Listen to more than 30 informational interviews with health services management professionals discussing career topics including roles, responsibilities, and the value of the health service management profession to clinicians and patients Features engaging professional development reflections and career boxes that provide guidance on the technical skills and professional insights needed to succeed in health services management careers Students have access to a glossary featuring more than 700 key terms Qualified instructors have access to expanded Instructor Resources featuring chapter PowerPoints, Test Banks, an Instructor Manual with learning activities, discussion and essay questions for each chapter, and additional resources to supplement students' dynamic learning and interaction with the text
Clinical Laboratory Management Apply the principles of management in a clinical setting with this vital guide Clinical Laboratory Management, Third Edition, edited by an esteemed team of professionals under the guidance of editor-in-chief Lynne S. Garcia, is a comprehensive and essential reference for managing the complexities of the modern clinical laboratory. This newly updated and reorganized edition addresses the fast-changing landscape of laboratory management, presenting both foundational insights and innovative strategies. Topics covered include: an introduction to the basics of clinical laboratory management, the regulatory landscape, and evolving practices in the modern healthcare environment the essence of managerial leadership, with insights into employee needs and motivation, effective communication, and personnel management, including the lack of qualified position applicants, burnout, and more financial management, budgeting, and strategic planning, including outreach up-to-date resources for laboratory coding, reimbursement, and compliance, reflecting current requirements, standards, and challenges benchmarking methods to define and measure success the importance of test utilization and clinical relevance future trends in pathology and laboratory science, including developments in test systems, human resources and workforce development, and future directions in laboratory instrumentation and information technology an entirely new section devoted to pandemic planning, collaboration, and response, lessons learned from COVID-19, and a look towards the future of laboratory preparedness This indispensable edition of Clinical Laboratory Management not only meets the needs of today’s clinical laboratories but anticipates the future, making it a must-have resource for laboratory professionals, managers, and students. Get your copy today, and equip yourself with the tools, strategies, and insights to excel in the complex and ever-changing world of the clinical laboratory.
David Bach has a plan to help you live and finish rich—no matter where you start So you feel like you’ve started late? You are not alone. What if I told you that right now as you flip through this book, 70% of the people in the store with you are living paycheck to paycheck? What if I told you that the man browsing the aisle to your left owes more than $8,000 in credit card debt? And the woman on your right has less than $1,000 in savings? See? You’re really not alone. Unfortunately, the vast majority of people who’ve saved too little and borrowed too much will never catch up financially. Why? Because they don’t know how. You can start late and finish rich—but you need a plan. This book contains the plan. It’s inspiring, easy to follow, and is based on proven financial principles. Building a secure financial future for yourself isn’t something you can do overnight. It will take time and it will take work. But you can do it. I know. I’ve helped millions of people get their financial lives together—and I can help you. Spend a few hours with me—and let me challenge you. Give me a chance to become your coach. Just because you started late doesn’t mean you are doomed to an uncertain future. Whether you’re in your thirties, forties, fifties, or beyond, there is still time to turn things around. It’s never too late to live and finish rich. All it takes is the decision to start. —David Bach Is it too late for me to get rich? Over and over, people share their fears with David Bach, America’s leading money coach and the number-one national best-selling author of The Automatic Millionaire. “If only I had started saving when I was younger!” they say. “Is there any hope for me?” There IS hope, and help is here at last! In Start Late, Finish Rich, David Bach takes the “Finish Rich” wisdom that has already helped millions of people and tailors it specifically to all of us who forgot to save, procrastinated, or got sidetracked by life’s unexpected challenges. Whether you are in your thirties, forties, fifties, or even older, Bach shows that you really can start late and still live and finish rich – and you can get your plan in place fast. In a motivating, swift read you learn how to ramp up the road to financial security with the principles of spend less, save more, make more – and most important, LIVE MORE. And he gives you the time tested plan to do it. The Start Late, Finish Rich promise is bold and clear: Even if you are buried in debt – there is still hope. You can get rich in real estate – by starting small. Find your “Latte Factor” – and turbo charge it to save money you didn’t know you had. You can start a business on the side – while you keep your old job and continue earning a paycheck. You can spend less, save more and make more – and it doesn’t have to hurt. David Bach gives you step-by-step instructions, worksheets, phone numbers and website addresses --everything you need to put your Start Late plan into place right away. And he shares the stories of ordinary Americans who have turned their lives around, at thirty, forty, fifty, even sixty years of age, and are now financially free. They did it, and now it’s your turn. With David Bach at your side, it’s never too late to change your financial destiny. It’s never too late to live your dreams. It’s never too late to be free.
For organizations wanting to balance economic success with environmental management, sustainability and green human resource management (HRM) plays a pivotal role. By aligning HR practices with sustainable development goals, companies can create a culture that prioritizes eco-friendly initiatives and responsible resource management. This approach enhances employee engagement and retention while driving organizational performance by promoting sustainable practices throughout the workforce. As businesses recognize the importance of their environmental impact, integrating green HRM into their strategies is necessary to achieve long-term sustainability and competitive advantage in an eco-conscious marketplace. Sustainability Through Green HRM and Performance Integration investigates the relationship between environmental performance and a green high-performance work system (GPWS), specifically focusing on the influence of green ambidexterity and mediating elements such as social, environmental, and corporate governance issues. This book covers topics such as sustainable development, employee engagement, and digital technology, and is a useful resource for human resource professionals, environmental scientists, business owners, computer engineers, academicians, and researchers.
In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.
"The ongoing COVID-19 pandemic marks the most significant, singular global disruption since World War II, with health, economic, political, and security implications that will ripple for years to come." -Global Trends 2040 (2021) Global Trends 2040-A More Contested World (2021), released by the US National Intelligence Council, is the latest report in its series of reports starting in 1997 about megatrends and the world's future. This report, strongly influenced by the COVID-19 pandemic, paints a bleak picture of the future and describes a contested, fragmented and turbulent world. It specifically discusses the four main trends that will shape tomorrow's world: - Demographics-by 2040, 1.4 billion people will be added mostly in Africa and South Asia. - Economics-increased government debt and concentrated economic power will escalate problems for the poor and middleclass. - Climate-a hotter world will increase water, food, and health insecurity. - Technology-the emergence of new technologies could both solve and cause problems for human life. Students of trends, policymakers, entrepreneurs, academics, journalists and anyone eager for a glimpse into the next decades, will find this report, with colored graphs, essential reading.
AP Teachers’ #1 Choice! Ready to succeed in your AP course and ace your exam? Our 5 Steps to a 5 guides explain the tough stuff, offer tons of practice and explanations, and help you make the most efficient use of your study time. 5 Steps to a 5: AP U.S. History Elite Student Edition is more than a review guide, it’s a system that has helped thousands of students walk into test day feeling prepared and confident. Everything You Need for a 5: 3 full-length practice tests that align with the latest College Board requirements Hundreds of practice exercises with answer explanations Comprehensive overview of all test topics Proven strategies from seasoned AP educators Why the Elite Edition? 200+ pages of additional AP content 5-minute daily activities to reinforce critical AP concepts AP educators love this feature for bellringers in the classroom! Study on the Go: All instructional content in digital format (for both computers and mobile devices) Interactive practice tests with answer explanations A self-guided, personalized study plan with daily goals, powerful analytics, flashcards, games, and more A Great In-class Supplement: 5 Steps is an ideal companion to your main AP text Includes an AP U.S. History Teacher’s Manual that offers excellent guidance to educators for better use of the 5 Steps resources
The world is in a race against time to achieve the United Nations Sustainable Development Goals (UN SDGs) by 2030. Despite global efforts to address these ambitious goals, progress remains uneven, and significant gaps persist. Women are often underrepresented and underutilized in leadership positions, yet they possess untapped potential to be formidable forces of change. The Role of Female Leaders in Achieving the Sustainable Development Goals is an exploration into the role of female leaders in overcoming the challenges that hinder the realization of the UN SDGs. It makes clear that the reality of achieving these goals requires a seismic shift in leadership dynamics, with women at the forefront of this transformative journey. The Role of Female Leaders in Achieving the Sustainable Development Goals introduces readers to a diverse array of women leaders who have been instrumental in driving progress towards the UN SDGs. Their stories serve as sources of inspiration for academics, corporate executives, non-governmental organization (NGO) leaders, and government officials, showcasing the tangible impact women can have when given the opportunity to lead. The book is a call to action, urging women to step into leadership roles across academia, corporations, civil society, and government, thereby expediting the achievement of the United Nations development goals.