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Americans today confront an array of challenges in their efforts to achieve and maintain financial security. Financial literacythe ability to use knowledge and skills to manage financial resources effectively -- has thus become increasingly important. Experts have identified the workplace as a potentially effective venue for providing financial education and helping individuals improve their financial decision making. This book discusses the role of the employer in promoting financial literacy; the effectiveness of such efforts; how best to serve low-income and other underserved populations; and the federal government's role in supporting these efforts. The book also discusses needs and priorities in improving financial literacy; roles and responsibilities of, and collaboration among, the government, nonprofit, and private sectors; lessons learned from federal public health and nutrition literacy initiatives; and the Government Accountability Office's potential role in addressing financial literacy issues.
Essential guidance for companies to examine and improve their fraud programs
Corporate governance legislation has become increasingly concerned with the ongoing resilience of organizations and, particularly, with their ability to resist corporate fraud from the lowest levels to the upper echelons of executive management. It has become unacceptable for those responsible for corporate governance to claim, "I didn't know." "Corporate Fraud and Internal Control" focuses on the appropriateness of the design of the system of internal controls in fraud risk mitigation, as well as the mechanisms to ensure effective implementation and monitoring on an ongoing basis.Applicable for a wide variety of environments, including governmental, financial, manufacturing and e-business sectorsIncludes case studies from the United States, Europe, and AfricaFollows the standards laid down by the Association of Certified Fraud Examiners, the internationally recognized body governing this activityAccompanying interrogation software demo (software demo is not included as part of this book's e-book file, but is available for download after purchase)
Written by a fraud prevention leader, "Corporate Fraud and Internal Control" addresses the concerns of both management and audit in ensuring a demonstrable level of activity to ensure sustainability of the organization and minimization of the impacts of fraud, upon early detection.
This book examines and explains the intellectual capital
reporting practices, with a human capital focus, of firms located
in the developing nation of Sri Lanka. The study ascertains the
following: first, to what extent the industry groups, based on the
number of shareholders, differ in their ICR practices; and second,
to what extent firms in Sri Lanka differ from counterparts in other
nations in their intellectual capital reporting practices.
An important aspect of this book is looking at the practices from a critical perspective to providing a more balanced view of 'good' and 'bad' effects of intellectual capital. The book meticulously outlines an extensive literature review, research methods, the theoretical perspective, findings with an engaging discussion, and concluding remarks. Indra Abeysekera's fine research project is an impressive contribution to an emerging area of interest throughout academia and industry.
A must-read for anyone who makes business decisions that have a major financial impact.
As the recent collapse on Wall Street shows, we are often ill-equipped to deal with uncertainty and risk. Yet every day we base our personal and business plans on uncertainties, whether they be next month's sales, next year's costs, or tomorrow's stock price. In "The Flaw of Averages," Sam Savage-known for his creative exposition of difficult subjects- describes common avoidable mistakes in assessing risk in the face of uncertainty. Along the way, he shows why plans based on average assumptions are wrong, on average, in areas as diverse as healthcare, accounting, the War on Terror, and climate change. In his chapter on Sex and the Central Limit Theorem, he bravely grasps the literary third rail of gender differences.
Instead of statistical jargon, Savage presents complex concepts in plain English. In addition, a tightly integrated web site contains numerous animations and simulations to further connect the seat of the reader's intellect to the seat of their pants.
The "Flaw of Averages" typically results when someone plugs a single number into a spreadsheet to represent an uncertain future quantity. Savage finishes the book with a discussion of the emerging field of Probability Management, which cures this problem though a new technology that can pack thousands of numbers into a single spreadsheet cell.
Praise for "The Flaw of Averages"
"Statistical uncertainties are pervasive in decisions we make
every day in business, government, and our personal lives. Sam
Savage's lively and engaging book gives any interested reader the
insight and the tools to deal effectively with those uncertainties.
I highly recommend "The Flaw of Averages.""
"Enterprise analysis under uncertainty has long been an academic
ideal. . . . In this profound and entertaining book, Professor
Savage shows how to make all this practical, practicable, and
This is the ideal resource for college professors, school teachers, and others who need financing for their programs. The directory includes more than 140 funding sources that are sorted into four categories: organisations federal grants and contracts private and corporate foundation announcements awards, fellowships, and scholarships. Detailed entries offer highly specific, useful information: deadlines program descriptions funding levels contact information areas of interest eligibility restrictions. This comprehensive reference also provides answers to frequently asked questions about the most effective ways to research and apply for grant money.
This book offers a rigorous and self-contained presentation of stochastic integration and stochastic calculus within the general framework of continuous semimartingales. The main tools of stochastic calculus, including Ito's formula, the optional stopping theorem and Girsanov's theorem, are treated in detail alongside many illustrative examples. The book also contains an introduction to Markov processes, with applications to solutions of stochastic differential equations and to connections between Brownian motion and partial differential equations. The theory of local times of semimartingales is discussed in the last chapter. Since its invention by Ito, stochastic calculus has proven to be one of the most important techniques of modern probability theory, and has been used in the most recent theoretical advances as well as in applications to other fields such as mathematical finance. Brownian Motion, Martingales, and Stochastic Calculus provides a strong theoretical background to the reader interested in such developments. Beginning graduate or advanced undergraduate students will benefit from this detailed approach to an essential area of probability theory. The emphasis is on concise and efficient presentation, without any concession to mathematical rigor. The material has been taught by the author for several years in graduate courses at two of the most prestigious French universities. The fact that proofs are given with full details makes the book particularly suitable for self-study. The numerous exercises help the reader to get acquainted with the tools of stochastic calculus.
Get federal investigative insight and guidance on conducting thorough investigations and case-building The ability to conduct thorough and effective investigations is a skill that has become increasingly in-demand across many industries. At the same time, investigative resources are dwindling as markets recede. Regulation and financial hurdles impede traditional investigation processes. Even seasoned professionals are finding themselves overtasked or lacking the experience to pursue the types of cases that are accumulating. In Investigator and Fraud Fighter Guidebook: Operation War Stories, author Charles E. Piper, CFE provides insight and guidance on how to conduct thorough and complete investigations while juggling a caseload. Piper served over 30 years in law enforcement-including 20 as an award-winning Federal Special Agent-Criminal Investigator. His wide array of experience allows him to lend a high-level perspective to the art and science of professional investigations of criminal, civil, and administrative cases. In the book, Piper provides guidance on conducting thorough and complete investigations (even with fewer resources) and spotting red flags that often indicate big-picture problems. Piper also shows how to: * Identify the suspect's other wrongful acts (similar and otherwise) * Identify similar wrongful acts committed by others, and predict future occurrences * Identify systemic weaknesses, waste, and abuse * Identify changes and corrections necessary to prevent future occurrences The book includes Piper's real-life investigative examples to illustrate important concepts. Whether the matter is public, private, or military, the same basic investigative principles apply. Things that may seem totally unrelated may hold the keys that crack the cases. The Investigator and Fraud Fighter Guidebook: Operation War Stories provides the acumen and judgment required to pick up on these clues and successfully conclude investigations.
The science of networks represented a substantial change in the way we see natural and technological phenomena. Now we have a better understanding that networks are, in most cases, networks of networks or multi-layered networks. This book provides a summary of the research done during one of the largest and most multidisciplinary projects in network science and complex systems (Multiplex). The science of complex networks originated from the empirical evidence that most of the structures of systems such as the internet, sets of protein interactions, and collaboration between people, share (at least qualitatively) common structural properties. This book examines how properties of networks that interact with other networks can change dramatically. The authors show that, dependent on the properties of links that interconnect two or more networks, we may derive different conclusions about the function and the possible vulnerabilities of the overall system of networks. This book presents a series of novel theoretical results together with their applications, providing a comprehensive overview of the field.
Grow your wealth and invest with confidence and know-how using this simple, ten-question framework from investing guru and podcast host David Stein You understand the basics of investing. Now it's time to invest like a professional for greater profits. Money for the Rest of Us offers a ten-question template that helps you decide which asset classes and investment vehicles you should pursue in greater depth in order to improve investment performance and avoid costly mistakes. Providing a templated framework based on ten basic questions, it guides you through the process of: *Determining expected return*Understanding the difference between investing, speculating, and gambling*Building a diversified portfolio without getting bogged down in the minutiae of Modern Portfolio Theory*Deciding when to invest in ETFs or other investment vehicles*Determining whether gold, cryptocurrencies, rental real estate, or other types of investments make sense*And much more
When change requires you to challenge people's familiar reality, it can be difficult, dangerous work. Whatever the context--whether in the private or the public sector--many will feel threatened as you push though major changes. But as a leader, you need to find a way to make it work. Ron Heifetz first defined this problem with his distinctive theory of adaptive leadership in Leadership Without Easy Answers. In a second book, Leadership on the Line, Heifetz and coauthor Marty Linsky highlighted the individual and organizational dangers of leading through deep change in business, politics, and community life. Now, Heifetz, Linsky, and coauthor Alexander Grashow are taking the next step: The Practice of Adaptive Leadership is a hands-on, practical guide containing stories, tools, diagrams, cases, and worksheets to help you develop your skills as an adaptive leader, able to take people outside their comfort zones and assess and address the toughest challenges. The authors have decades of experience helping people and organizations create cultures of adaptive leadership. In today's rapidly changing world, The Practice of Adaptive Leadership can be your handbook to meeting the demands of leadership in the midst of complexity.
Your complete guide to quantitative analysis in the investment industry Quantitative Investment Analysis, Third Edition is a newly revised and updated text that presents you with a blend of theory and practice materials to guide you through the use of statistics within the context of finance and investment. With equal focus on theoretical concepts and their practical applications, this approachable resource offers features, such as learning outcome statements, that are targeted at helping you understand, retain, and apply the information you have learned. Throughout the text's chapters, you explore a wide range of topics, such as the time value of money, discounted cash flow applications, common probability distributions, sampling and estimation, hypothesis testing, and correlation and regression. Applying quantitative analysis to the investment process is an important task for investment pros and students. A reference that provides even subject matter treatment, consistent mathematical notation, and continuity in topic coverage will make the learning process easier and will bolster your success. * Explore the materials you need to apply quantitative analysis to finance and investment data even if you have no previous knowledge of this subject area * Access updated content that offers insight into the latest topics relevant to the field * Consider a wide range of subject areas within the text, including chapters on multiple regression, issues in regression analysis, time-series analysis, and portfolio concepts * Leverage supplemental materials, including the companion Workbook and Instructor's Manual, sold separately Quantitative Investment Analysis, Third Edition is a fundamental resource that covers the wide range of quantitative methods you need to know in order to apply quantitative analysis to the investment process.
In 2000 one of the world's foremost economists, Andrew Smithers,
showed that the US stock market was widely over-priced at its peak
and correctly advised investors to sell. He also argued that
central bankers should adjust their policies not only in light of
expected inflation but also if stock prices reach excessive levels.
At the time, few economists agreed with him, today it is hard to
find those who would disagree.
In the past central bankers have denied that markets can be valued and that it did not matter if they fell. These two intellectual mistakes are the fundamentals cause of the current financial market crisis. In addition, a lack of understanding by investors as to how to value the market has also resulted in widespread losses.
It is clearly of great importance to everyone that neither these losses nor the current financial chaos should be repeated and thus that the principle of asset valuation should be widely understood.
In this timely and thought-provoking sequel to the hugely
successful Valuing Wall Street Andrew Smithers puts forward a
coherent and testable economic theory in order to influence
investors, pension consultants and central bankers policy decisions
so that thy may prevent history repeating itself. Backed by theory
and substantial evidence Andrew shows that assets can be valued, as
financial markets are neither perfectly efficient nor absurd
"Serial Innovators: How Individuals Create and Deliver Breakthrough
Innovations in Mature Firms" zeros in on the cutting-edge thinkers
who repeatedly create and deliver breakthrough innovations and new
products in large, mature organizations. These employees are
organizational powerhouses who solve consumer problems and
substantially contribute to the financial value to their firms.
This text is not only suitable for undergraduate students but is also ideal for use by professionals employed in or working with local government in South Africa.
A detailed look at the worst M&A deals ever and the lessons
learned from them
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