The book of financial wisdom that your future self will thank you for reading For many adults under 40, 'debt' is a four-letter word—something that should be avoided but is all too often unavoidable. In The Value of Debt in Building Wealth, bestselling author Thomas J. Anderson encourages you to rethink that. You'll walk away from this book with an understanding of how you can use debt wisely to secure the financial future you envision for yourself and your family. Student loans, mortgages, lines of credit, and other forms of debt are all discussed in detail, with a focus on smart planning for those who are accumulating assets—and debt—now. Should you rent or buy? How important is liquidity? What is good versus bad debt? How much debt should you have? What debt-to-income and debt-to-asset ratios should you aim for? Fixed debt or floating debt? What's the best way of saving for college and retirement? These are big questions that deserve thorough answers because the choices you make now could influence the course of your life. This thought-provoking book will open your eyes to savvy financial strategies for achieving your goals faster and with healthier bank accounts. Explore strategies for smart debt management, explained by one of the nation's top financial advisors Gain an understanding of investment basics and key financial concepts you'll need to achieve your long-term goals Understand the risks of having debt and the potential risks of being debt-free Make financial decisions now that will maximize your wealth, freedom, and opportunity later This book is not about buying things you cannot afford. It is about liquidity, flexibility and optimizing your personal balance sheet. The Value of Debt in Building Wealth is full of ideas you can apply to your own situation—no matter what your current asset level. Read this book today and thank yourself later.
The market approach aims to establish the value of a company based on how similar firms are priced on the stock exchange or through company transactions. Using the market approach, price-related indicators such as price to earnings, sales and book values are utilised. An ever-present problem however, is that different valuation multiples and valuation methodologies tend to provide the analyst with contradictory outputs. The solution to this problem so far has been to claim that the market approach is more art than science, thus providing the analyst with the freedom to alter the multiples at their own discretion to reach a uniform value or range. Valuation: The Market Approach puts an end to this problem, providing the reader with a rational scientific-based understanding and the necessary tools to perform a sound market approach valuation, or if reviewing such valuations, provide the tools to challenge the work of the arts-based senior experts. The book begins with an in-depth review of the basics; which is then applied in a detailed worked example. Step-by-step, the reader’s expertise is built towards a complete understanding and implementation of the market approach, not only on a standalone basis but also in relation to the DCF methodology. The book is aimed at the seasoned professional, but will also be invaluable to students as they apply their academic knowledge to the real world of valuation and M&A. About the author: SETH BERNSTROM is a Director at the Valuations practice of PwC. He has 15 years of experience as a valuation expert with a special focus on private equity, with long-running engagements in Valuation for some of the leading Nordic private equity houses. Additionally, he provides valuation support and valuation-related advisory services to large and medium-sized Nordic and (Nordic-based) global companies. In addition to his regular work at PwC, he also acts as Visiting Lecturer on valuation at KTH Royal Institute of Technology in Stockholm. Furthermore, he often gives lectures and seminars on valuation at other leading Nordic universities, investment banks, companies, and organizations. He holds a Master of Science in Business Administration and Economics from the Stockholm University School of Business.
The 7 keys to property investment success Brimming with fresh content designed to suit current trends in the market, Unlocking the Property Market shares expert property market analyst John Lindeman's tips and techniques on where to buy, what to buy, how much to pay, and when to sell. Written with your needs in mind, Lindeman reveals the seven keys to property investment success and shows you how to unlock the property market's secrets. The media talks up a housing market boom one minute and then warns of a crash the next, but the housing market's behaviour is predictable. Housing prices move slowly upwards, and then they stagnate for some years—and may even fall for a year or two. However, there are always suburbs in any market that go against the grain and offer property investors a chance to secure the highest returns in the shortest possible time in any market condition. To find these properties, follow John Lindeman in Unlocking the Property Market and successfully discover the seven keys to property investment success including: Understand how the market works and find locations with the best growth potential Know where and when to buy and the best time to sell Narrow down your property search, decide what to buy and determine how much to pay. If you're a private housing investor or just starting out in the field looking for authoritative, accessible information on the topic, Unlocking the Property Market gives you the confidence and know-how to successfully obtain the best possible results from property investment.
The inspiration you need to help improve your photography skills Well-known for their stunning world-class photography, 1x.com has worked with their most talented photographers to handpick 100 awe-inspiring images and provided the back-story and photographer's secrets that helped capture them. This book presents you with inspiration as well as underlying techniques that can help improve your photography skills immediately. Shares behind-the-scene stories of the featured photos from the photographers themselves, from their artistic vision to the technical details that went into each shot Offers clear, concise, and accessible descriptions for the ideas, vision, performance, setup, location, equipment, camera settings, lighting diagrams, and image editing methods of each amazing photo Photo Inspiration provides a unique combination of the final photograph with the tools and knowledge that made it possible, all of which are aimed at helping you meet your photographic potential.
Secrets of exposure revealed, with a bonus color checker card included Exposure is the number one topic that digital photographers want to know about. This full-color book fits in your camera bag and provides all the information you need on this very important aspect of digital photography. Exposure involves combining ISO, aperture, and shutter speed in different variations to accomplish your vision of the perfect image. Exposure Digital Field Guide takes you through the complex techniques of good exposure, taking you from hobbyist to serious amateur photographer. Explains how to adjust shutter speed and aperture to control the amount of light hitting the camera's light sensor Teaches you how to «see the light» for the perfect exposure Helps you gain confidence as you move from automatic controls into manipulating the elements of exposure for specific results Packed with stunning full-color photographs to illustrate what you can achieve Provides suggested settings for various shooting situations and subjects Includes a tear-out color checker card to help you maintain true color Fits in your camera bag for ready reference in the field Exposure Digital Field Guide helps you master one of the most complex and intricate elements of digital photography.
An essential guide to business valuation and bankruptcy Business Valuation and Bankruptcy helps you-whether you are an accountant dealing with a troubled company, a lender, an investor, a bankruptcy and restructuring lawyer/financial advisor, or a private equity player-to focus on solving everyday and case determinative disputes when creditors, lenders, and debtors have differing views of value. Introducing valuation issues early on in the restructuring/bankruptcy process so you can plan accordingly, this book offers Many real life case examples, case descriptions, and tables to demonstrate the applicable sections of the Bankruptcy Laws A review of the methods, applications, pros and cons of restructuring with the basic tools to understanding it A description of the life cycle of a troubled company and the various stages of a restructuring An analysis of the valuation issues that confront practitioners in the real world of application of the law Business Valuation and Bankruptcy is written in terms that are common to bankruptcy professionals and is essential, timely reading for players in the bankruptcy and restructuring environment.
Business Valuation For Dummies is filled with expert guidance that business owners, managers at all levels, investors, and students can use when determining the value of a business. It contains a solid framework for valuation, including advice on analyzing historical performance, evaluating assets and income value, understanding a company's financial statements, estimating the cost of capital, business valuation models, and how to apply those models to different types of businesses.
A book-and-video training package provides a unique illustration to the basics of Illustrator Adobe Illustrator is a unique design and drawing program that allows you to create and produce brilliant art for a variety of mediums. This full-color book-and-video training package deciphers even the most complex Illustrator tasks and gets you quickly up to speed using the capabilities of the newest release of Illustrator. Thirteen self-paced lessons explain how to create and produce vibrant graphics using this robust vector drawing application. The complementary lessons featured on the videos are each approximately five minutes long and demonstrate the concepts and features covered in the lesson. Escorts you through the basics of creating and producing vibrant graphics using Illustrator Deciphers even the most advanced Illustrator tasks and makes them less intimidating Features full-color, step-by-step tutorials in the downloadable videos that complement the topics covered in each lesson of the book Encourages you to absorb each lesson at your own pace Jam-packed with information, this book and video training package is just like having your own personal instructor guiding you through each unique lesson. Note: DVD and other supplementary materials are not included as part of eBook files. These materials are available for download upon purchase.
Easy-to-understand techniques for getting the most from your Canon EOS 5D Mark II DSLR At nearly $3,000 for the body only, the Canon 5D Mark II DSLR is for amateurs and semi-professionals who are serious about taking great photos-and this go-anywhere guide shares insight for doing just that. Authors Charlotte Lowrie and Brian McLernon walk you step by step through each function on the Canon EOS 5D Mark II, going into more depth and scope than the standard manual that accompanies the camera. Portable and easy to understand, the book shows you how to get the exact show you want, when you want them, and is packed with more than 200 beautiful color photos. Includes step-by-step techniques and professional tips on taking exceptional photos with your Canon EOS 5D Mark II Reviews how to better understand the various functions and potential of your Canon EOS 5D Mark II Features samples of inspirational photos taken by the author With so much helpful advice for getting the most out of your Canon EOS 5D Mark II, you'll be referencing this guide again and again.
Your clear, compassionate guide to managing BPD – and living well Looking for straightforward information on Borderline Personality Disorder? This easy-to-understand guide helps those who have BPD develop strategies for breaking the destructive cycle. This book also aids loved ones in accepting the disorder and offering support. Inside you'll find authoritative details on the causes of BPD and proven treatments, as well as advice on working with therapists, managing symptoms, and enjoying a full life. Review the basics of BPD – discover the symptoms of BPD and the related emotional problems, as well as the cultural, biological, and psychological causes of the disease Understand what goes wrong – explore impulsivity, emotional dysregulation, identity problems, relationship conflicts, black-and-white thinking, and difficulties in perception; and identify the areas where you may need help Make the choice to change – find the right care provider, overcome common obstacles to change, set realistic goals, and improve your physical and emotional state Evaluate treatments for BPD – learn about the current treatments that really work and develop a plan for addressing the core symptoms of BPD If someone you love has BPD – see how to identify triggers, handle emotional upheavals, set clear boundaries, and encourage your loved one to seek therapy Open the book and find: The major characteristics of BPD Who gets BPD – and why Recent treatment advances Illuminating case studies Strategies for calming emotions and staying in control A discussion of medication options Ways to stay healthy during treatment Tips for explaining BPD to others Help for parents whose child exhibits symptoms Treatment options that work and those you should avoid