Personal Finance

Titre : Personal Finance
Auteur : E. Thomas Garman
Éditeur : Cengage Learning
ISBN-13 : 9781337099752
Libération : 2017-02-21

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PERSONAL FINANCE 13E offers a practical, student-friendly introduction to personal financial management. Using a structured, step-by-step approach, this market-leading text helps students learn how to save and invest, manage student loans, file taxes, decrease credit card debt, and plan for the future. Real-life scenarios, covering a wide range of financial challenges, enable students to appreciate the relevance of key concepts, and useful advice from personal finance experts helps them apply those concepts in their own lives. Many math-based examples clearly illustrate the critical importance of achieving long-term financial goals through investing. Building on the success of previous editions, the new Thirteenth Edition continues to engage students and focus their attention on critical concepts they need to succeed in class and to manage their finances wisely for a lifetime. Important Notice: Media content referenced within the product description or the product text may not be available in the ebook version.

Full Planet Empty Plates The New Geopolitics of Food Scarcity

Titre : Full Planet Empty Plates The New Geopolitics of Food Scarcity
Auteur : Lester R. Brown
Éditeur : W. W. Norton & Company
ISBN-13 : 9780393344530
Libération : 2012-10-01

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With food supplies tightening, countries are competing for the land and water resources needed to feed their people. With food scarcity driven by falling water tables, eroding soils, and rising temperatures, control of arable land and water resources is moving to center stage in the global struggle for food security. “In this era of tightening world food supplies, the ability to grow food is fast becoming a new form of geopolitical leverage. Food is the new oil,” Lester R. Brown writes. What will the geopolitics of food look like in a new era dominated by scarcity and food nationalism? Brown outlines the political implications of land acquisitions by grain-importing countries in Africa and elsewhere as well as the world’s shrinking buffers against poor harvests. With wisdom accumulated over decades of tracking agricultural issues, Brown exposes the increasingly volatile food situation the world is facing.

Gender Disparities in Africa s Labor Market

Titre : Gender Disparities in Africa s Labor Market
Auteur : Jorge Saba Arbache
Éditeur : World Bank Publications
ISBN-13 : 9780821380703
Libération : 2010-08-05

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Women's earnings are a fraction of male's earnings in several African countries. It is tempting to conclude that this wage gap is a sign of discrimination against women in the labor market. Yet this book uses new datasets to show that the gap is not simply the result of discrimination in the labor markets, but rather the result of multiple factors, including access to education and credit, cultural values and household duties, and, above all, labor market conditions. It shows that gender disparities grow when economies are not functioning well and labor markets are tiny. More than the effect of discrimination, it seems that job rationing causes those with better human capital and those with more power in the household usually the men to take the few jobs that are available. It is hardly surprising, then, that in a region where only a fraction of the labor force finds jobs in the formal sector, gender disparities in earnings are so high. The book further documents that firm-level and sector characteristics are additional powerful factors in explaining the gender disparities in the labor market. As the causes are not simple, neither are the solutions; multifaceted strategies are needed. By providing environments that support economic growth and, more importantly, job creation, as well as by promoting equal access for women to education and rethinking the attitudes that limit what women may achieve, governments in the region will substantially improve the well-being of all their peoples. 'Gender Disparities in Africa's Labor Market' helps to fill the knowledge gap and identify the links between gender disparities and poverty reduction. The work was implemented in collaboration with a range of poverty and labor market studies to maximize its usefulness for policy dialogue in specific countries. This book will be of interest to policy makers, students, academics, gender experts, and all those interested in gender issues and development.

Biggest Book of Cookies

Titre : Biggest Book of Cookies
Auteur : Better Homes and Gardens Books (Firm)
Éditeur : Meredith Books
ISBN-13 : 0696217139
Libération : 2003

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A mouthwatering selection of more than five hundred kitchen-tested cookie recipes features an array of both traditional favorites and innovative new treats, along with instruction in the basic principles of baking cookies, expert tips, and more than one hundred full-color photographs. Original. 40,000 first printing.

Jackie Kay Merle Collins Grace Nichols

Titre : Jackie Kay Merle Collins Grace Nichols
Auteur : Jackie Kay
Éditeur :
ISBN-13 : UCSC:32106014722489
Libération : 1996

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Jackie Kay A été écrit sous une forme ou une autre pendant la plus grande partie de sa vie. Vous pouvez trouver autant d'inspiration de Jackie Kay Merle Collins Grace Nichols Aussi informatif et amusant. Cliquez sur le bouton TÉLÉCHARGER ou Lire en ligne pour obtenir gratuitement le livre de titre $ gratuitement.

Africa s Infrastructure

Titre : Africa s Infrastructure
Auteur : World Bank
Éditeur : World Bank Publications
ISBN-13 : 0821380834
Libération : 2009-12-01

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Sustainable infrastructure development is vital for Africa s prosperity. And now is the time to begin the transformation. This volume is the culmination of an unprecedented effort to document, analyze, and interpret the full extent of the challenge in developing Sub-Saharan Africa s infrastructure sectors. As a result, it represents the most comprehensive reference currently available on infrastructure in the region. The book covers the five main economic infrastructure sectors information and communication technology, irrigation, power, transport, and water and sanitation. 'Africa s Infrastructure: A Time for Transformation' reflects the collaboration of a wide array of African regional institutions and development partners under the auspices of the Infrastructure Consortium for Africa. It presents the findings of the Africa Infrastructure Country Diagnostic (AICD), a project launched following a commitment in 2005 by the international community (after the G8 summit at Gleneagles, Scotland) to scale up financial support for infrastructure development in Africa. The lack of reliable information in this area made it difficult to evaluate the success of past interventions, prioritize current allocations, and provide benchmarks for measuring future progress, hence the need for the AICD. Africa s infrastructure sectors lag well behind those of the rest of the world, and the gap is widening. Some of the main policy-relevant findings highlighted in the book include the following: infrastructure in the region is exceptionally expensive, with tariffs being many times higher than those found elsewhere. Inadequate and expensive infrastructure is retarding growth by 2 percentage points each year. Solving the problem will cost over US$90 billion per year, which is more than twice what is being spent in Africa today. However, money alone is not the answer. Prudent policies, wise management, and sound maintenance can improve efficiency, thereby stretching the infrastructure dollar. There is the potential to recover an additional US$17 billion a year from within the existing infrastructure resource envelope simply by improving efficiency. For example, improved revenue collection and utility management could generate US$3.3 billion per year. Regional power trade could reduce annual costs by US$2 billion. And deregulating the trucking industry could reduce freight costs by one-half. So, raising more funds without also tackling inefficiencies would be like pouring water into a leaking bucket. Finally, the power sector and fragile states represent particular challenges. Even if every efficiency in every infrastructure sector could be captured, a substantial funding gap of $31 billion a year would remain. Nevertheless, the African people and economies cannot wait any longer. Now is the time to begin the transformation to sustainable development.

I Like Weather

Titre : I Like Weather
Auteur : Aileen Fisher
Éditeur : Ty Crowell Company
ISBN-13 : 0690431295
Libération : 1963-06-01

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A young boy tells in rhyme what he and familiar animals like about the weather and how the changing seasons affect them.

Agile Enterprise Application Development with Flex

Titre : Agile Enterprise Application Development with Flex
Auteur : The EffectiveUI Team
Éditeur : "O'Reilly Media, Inc."
ISBN-13 : 9781449391171
Libération : 2008-01-25

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This Short Cut takes a look at a set of tools and technologies that work together to allow developers to build Rich Internet Applications (RIAs) quickly and easily on top of proven enterprise technologies that are traditionally associated with long, complex development efforts.

Shadow on the Sea

Titre : Shadow on the Sea
Auteur : Etta Jean
Éditeur :
ISBN-13 : 0692427015
Libération : 2015-04-19

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The world of Ceres has been ruled for millennia by the winged race known as Lightlings. When the Chalice Kingdom celebrates the birth of the next crown princess, they have no idea just what events have been set into motion. The beautiful angel has a special, shadowy, gift, and only by learning to control it will she be able to claim the lover rightfully hers by destiny, and save her world from an evil bent on consuming them all.

A Burial for Flowers

Titre : A Burial for Flowers
Auteur : Pan Pan Fan
Éditeur :
ISBN-13 : 0692704868
Libération : 2016-04-28

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In "A Burial for Flowers", Henry Smith must fight to understand a bloody history during China's "Three Bitter Years" (1958-61) to uncover his father's mysterious death. The story takes place in two settings: the first is in early 1960s Henan Province, China during the Great Leap Forward when an estimated 30 to 60 million Chinese died of famine; the second is in a western city in the near future when a biomedical technology company has begun a project known as the "Process" which is rumored to extend life infinitely. Events surrounding his father's death lead Henry to believe foul play had been involved. As Henry sets out to uncover the details, he realizes he is intricately connected to the Process and, mysteriously, to the lost history of 1960s Henan, China. As Henry learns about how these seemingly unconnected time periods relate to one another, he is faced with a decision about his father's final project and must put himself at peace with his father's passing.