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If the purpose of financial planning is to help people become financially independent, it has failed. It has failed because it's built on the sandy foundation of Financial Needs Analysis (FNA). After decades of the financial services world promoting FNA we are not seeing record levels of success. We are seeing record levels of dependence on Social Security and other welfare programs. We are seeing consistently decreasing levels of life and disability insurance protection. We are seeing people retire that have nowhere near sufficient funds to replace their income. We are seeing people blindly dumping money into the stock market, enriching money managers but not the average investor. It is time to try a different path for financial planning, one that is based on time-tested principles instead of faulty predictions. Let's take a new approach to planning. One that puts the success of clients first instead of last. Principles-based planning is that approach.
"...Extraordinary: Gibbs has popped the hood and taken apart the engine of commercial design and development, showing us each individual part and explaining fit, form and function." —Yaromir Steiner, Founder, Chief Executive Officer, Steiner + Associates "...the most comprehensive and expansive book ever written on the subject of Retail Real Estate Development. Gibbs is by far the most prominent advocate for reforming retail planning and development in order to return American cities to economic and physical prominence." –Stefanos Polyzoides, Moule & Polyzoides Architects & Urbanists The retail environment has evolved rapidly in the past few decades, with the retailing industry and its placement and design of "brick-and-mortar" locations changing with evolving demographics, shopping behavior, transportation options and a desire in recent years for more unique shopping environments. Written by a leading expert, this is a guide to planning for retail development for urban planners, urban designers and architects. It includes an overview of history of retail design, a look at retail and merchandising trends, and principles for current retail developments. Principles of Urban Retail Planning and Development will: Provide insight and techniques necessary for historic downtowns and new urban communities to compete with modern suburban shopping centers. Promote sustainable community building and development by making it more profitable for the shopping center industry to invest in historic cities or to develop walkable urban communities. Includes case studies of recent good examples of retail development
Under the direction of new lead editors Leiyu Shi and James Johnson, the new Third Edition of Public Health Administration examines the many events, advances, and challenges in the U.S. and the world since the publication of the last edition of the book. Important Notice: The digital edition of this book is missing some of the images or content found in the physical edition.
The Second Edition of this best-selling introduction for practitioners uses new material and updates to describe the changing environment for project finance. Integrating recent developments in credit markets with revised insights into making project finance deals, the second edition offers a balanced view of project financing by combining legal, contractual, scheduling, and other subjects. Its emphasis on concepts and techniques makes it critical for those who want to succeed in financing large projects. With extensive cross-references and a comprehensive glossary, the Second Edition presents anew a guide to the principles and practical issues that can commonly cause difficulties in commercial and financial negotiations. Provides a basic introduction to project finance and its relationship with other financing techniques Describes and explains: sources of project finance; typical commercial contracts (e.g., for construction of the project and sale of its product or services) and their effects on project-finance structures; project-finance risk assessment from the points of view of lenders, investors, and other project parties; how lenders and investors evaluate the risks and returns on a project; the rôle of the public sector in public-private partnerships and other privately-financed infrastructure projects; how all these issues are dealt with in the financing agreements
This book provides recently developed and tested methods for assessing the strengths and weaknesses of planning and policy options. Several contributions focus on new substantive areas of concern in planning evaluation, including environmental justice and sustainable urban development. Applications of evaluation in several planning contexts are demonstrated, and special problems that these pose are assessed. Several chapters address how to communicate the process and results to several stakeholder groups, and how to engage these groups in the evaluation process. Each chapter employs a real-world case in practice, thus dealing with the complexity of applying planning evaluation, and providing practical advice useful in similar situations.
Event Planning and Management, second edition, is an ideal resource for those seeking a step by step formula to plan and deliver a successful event. With the vital balance of professional experience behind them, the authors teach the next generation of event planners with unrivalled knowledge, ensuring an effective event process from start to finish. This book delivers practical understanding of the theory and practice needed to activate each stage of planning, from initial venue selection, budgeting and programme content, to managing stakeholders and sponsors, promotion, risk assessment, safety and post-event evaluation. Fully revised, the second edition of Event Planning and Management expands on managing events on the day, and explores the PR and experiential marketing boom for live brand experiences. Including updated real-world case studies from around the globe, it also features an invaluable toolkit of templates, planning checklists and budget sheets. Accompanied by a host of downloadable resources, this book is the ideal end to end resource for both event planning modules and certifications, plus busy marketing and PR professionals facing the new wave of live brand and customer experiences.
This book aims to introduce the key principles of CBD that need to be understood in order to adopt a component-based model of software systems development, and to explain the benefits of adopting such an approach for an organization.
The Nine Principles of Agile Planning teaches CFOs, CAOs, CIOs, and Finance leaders the secret to building nimble and dynamic forecasts within their organizations. The Nine Principles blend real-world processes, people, and cloud tech to get your business forecasting the right way. By adopting the Nine Principles, you can create world-class forecasting that reacts to real-time changes in your business and reduces risk. You will be a forecasting hero! Too many CFOs and Finance teams fail their organizations with slow and cumbersome forecasting and budgeting cycles that have limited adoption beyond Finance. Management consultants, software vendors, and your stakeholders have ideas to fix—but you need something game-changing. The Nine Principles of Agile Planning are the game-changer you need! Investing in a new forecasting process will take money, people, and time, with a significant opportunity cost of not working on other things. This investment is no different from developing a new product, building a factory, or hiring staff. Any business investment like this must earn an ROI. The Nine Principles of Agile Planning is a framework to give you the greatest chance of success of achieving this ROI by building a forecasting process to provide real operational value that helps run the organization on a day-to-day basis. Learn the latest strategies from getting forecasting closer to your front line business teams, linking variable items to operational activity levels, planning by initiative, evaluating strategic big-bets, using modular planning, choosing a modern cloud planning tool, finding an expert, getting away from financial statement-centered forecasting, and using real-time IoT data to build operational early-warning systems. Make forecasting easy for your users by adopting the latest automation technologies and learn how you can automatically alert your planners when there is a trend that requires their attention. If you are evaluating cloud planning technologies from Adaptive Insights, Anaplan, OneStream, Oracle EPM (Hyperion), Planful, or SAP, the Nine Principles is the must-read guide to select the right tools, processes, and consultants to create agile and nimble planning in your organization. Use this chance to develop an Agile Planning philosophy that encourages rapid development of plans that can be quickly iterated, are easy to understand, and actionable. Take advantage of the golden age of cloud-based planning tools to facilitate these Agile Planning objectives. Create world-class budgeting and forecasting by adopting the Nine Principles! The Nine Principles of Agile Planning provides strategies to address issues like: - Lack of budgeting and forecasting adoption in your organization. - Forecasts that are slow to update and frequently wrong. - Decision-makers are ignoring Finance’s forecasts. - Forecasting is focused on Finance and not front-line business leaders. - Out-dated planning technology that is inflexible and hard to use for non-Finance users. - Treating all elements of your business equally during forecasting. - Planning using too much detail. - Using inefficient planning methodologies approaches. - Not using real-world initiatives to drive organizational change. - Failing to use real-world operational activity levels to inform financial forecasts. - Making the planning process too time-consuming and challenging. - Not integrating new real-time IoT data sources to build forecasting early-warning systems. - Failing to tailor planning to each operational function.
Nearly all large American cities rely on zoning to regulate land use. According to Donald L. Elliott, however, zoning often discourages the very development that bigger cities need and want. In fact, Elliott thinks that zoning has become so complex that it is often dysfunctional and in desperate need of an overhaul. A Better Way to Zone explains precisely what has gone wrong and how it can be fixed. A Better Way to Zone explores the constitutional and legal framework of zoning, its evolution over the course of the twentieth century, the reasons behind major reform efforts of the past, and the adverse impacts of most current city zoning systems. To unravel what has gone wrong, Elliott identifies several assumptions behind early zoning that no longer hold true, four new land use drivers that have emerged since zoning began, and basic elements of good urban governance that are violated by prevailing forms of zoning. With insight and clarity, Elliott then identifies ten sound principles for change that would avoid these mistakes, produce more livable cities, and make zoning simpler to understand and use. He also proposes five practical steps to get started on the road to zoning reform. While recent discussion of zoning has focused on how cities should look, A Better Way to Zone does not follow that trend. Although New Urbanist tools, form-based zoning, and the SmartCode are making headlines both within and outside the planning profession, Elliott believes that each has limitations as a general approach to big city zoning. While all three trends include innovations that the profession badly needs, they are sometimes misapplied to situations where they do not work well. In contrast, A Better Way to Zone provides a vision of the future of zoning that is not tied to a particular picture of how cities should look, but is instead based on how cities should operate.