Regnskaber

Are you ready to take the next step in your financial wellness journey?Look no further than "Black Financial Culture: Building Wealth from the Inside Out," a transformative piece of work on financial empowerment written by renowned financial expert Dr. Michael G. Thomas Jr.In this deeply vulnerable book, Dr. Thomas delves into critical discussions of trauma recovery, financial empathy and compassion, money management and mindset, therapy, wealth therapy and the power of forgiveness, among other topics. With its engaging conversational tone, humor, warmth, and intelligence, this book is more than just a mere read - it's a call to meaningful financial action that emphasizes an equal portion of grace.Drawing on a myriad of life experiences, Dr. Thomas encourages readers to define Black financial culture for themselves without guilt, shame, or judgment. This book is a must-read for anyone seeking to understand and improve their relationship with money and build a lasting legacy.Whether you're just starting your financial journey or are looking to take your wealth-building to the next level, "Black Financial Culture: Building Wealth from the Inside Out" is the perfect guide to help you unlock your full potential. You have more power than you think. Own it!

"Positive Money will help you identify your relationship with money and what needs to shift in order to live a happy, fulfilling, and rich life - regardless of your circumstances." - Bill Carmody, Chief Coaching Officer of Positive Intelligence Is money a constant struggle? Do you wish you earned more (or spent less)? Does your debt keep growing along with your rising self-doubt? Rest easy. Positive Money will lead you from the shadows of shame and blame around money toward a place of grace, acceptance, and abundance. These seven powerful principles and step-by-step solutions will tackle your greatest money challenges. You're guaranteed to experience greater ease and flow in your financial life. This book will help you:Feel more confident in responding to money challenges.Know what counts in your relationship with money.Accept what you can or can't control financially.Connect to what matters most.Positive Money is a vision for change in how we relate to money at home and at work. It's also a practical playbook culled from Morgan-Jaffe's 20+ years as a counselor, her own transformative stories, and her endless curiosity about what it means to live a rich life. You'll come away with all you need to take action that pays off now and for future generations. The 7 Principles can be applied to any financial transaction, whether you're a busy parent, partner, or professional. You scan the list to ensure you're serving a higher good, acting from a place of giving and receiving or avoiding causing harm. You choose Positive Money as a perspective and a practice that will enrich your life far beyond what's in your bank account. Through proven strategies and a commitment to your mental fitness, you'll learn how to have effective money conversations, reframe how you think, act, and feel about money, and navigate complicated family or work dynamics that involve money. She teaches how to build wealth from the inside out. As Morgan-Jaffe shares her journey of finding grace in this messy place, you'll appreciate her vulnerability, honesty, and compassion. A mother of five, wife, and money relationship expert and speaker, she shares the challenges of following our hearts in a world that defines self-worth by net worth. She created Positive Money to spotlight the challenges both the 'haves' and the 'have nots' share in this messy place of money, and to offer simple strategies for finding relief and making financial decisions that align with who you are, what you want, and the impact you desire for yourself and others. "Positive Money is for all who struggle deeply to navigate their financial lives with grace and dignity. With the focus on what feels enriching, you open the door to a rich life." Cindy Morgan-Jaffe is a Nationally Certified Counselor, Certified Positive Intelligence® Coach, Certified XChange Guide and Facilitator, and Certified Money and Life Coach who has worked in career, talent, and leadership development in the private, nonprofit, and government sectors She is also a Certified Financial Educator through the National Financial Educators Council, Certified Professional Recovery Coach through the International Institute of Recovery Coaches and International Center for Addiction and Recovery Education, and has a Master's in Education and Human Development from George Washington University with a focus on school counseling and career development for youth. If you're ready to live a rich life no matter what's in your bank account, Positive Money shows you the way.

"We all want to live within our means, save for retirement, invest a little, and yet still have some left over each month for fun. But as most people know, real life can get in the way of even our best intentions! To help us set realistic goals and keep us on track to meeting them, New York Times bestselling financial educator Tiffany "The Budgetnista" Aliche has an invaluable 10-step action plan: Made Whole. With her signature down-to-earth style, she offers worksheets, checklists, and action items for ten important building blocks-from the ins and outs of budgeting, investing, credit rating, and estate planning, to getting insurance and getting the flow of our money automated. A hardworking tool for getting our financial ducks in a row, it also includes: Clear explanations of intimidating financial terminology Simple instruction on calculating our present situation and future needs Invaluable worksheets for keeping track of the numbers Handy hacks for increasing your credit score, making savings "hard to access," and finding support to stay on track to your goals A masterclass in taking charge of your money, Made Whole has what every reader needs to achieve financial savvy, stability, and security"--

This book explains a new, combined approach to optimizing processes in manufacturing companies. Building on well-known philosophies such as Lean Management, Six Sigma and Agile Methods/SCRUM as well as their methods and tools, it introduces the LEO-3D philosophy developed by the author and its versatile possibilities. LEO-3D combines the strengths of different philosophies and thus leads to optimal results.For the 2nd edition, the book has been updated and supplemented with the topics Kanban and flow production vs. takt production.

The original theory of capital cost and capital structure put forward by Nobel Prize Winners Modigliani and Miller has since been modified by many authors, and this book discusses some of them. The book¿s authors have created general theory of capital cost and capital structure ¿ the Brusov¿FilatoväOrekhova (BFO) theory, which generalizes the Modigliani¿Miller theory to encompass companies of an arbitrary age (and arbitrary lifetime). Despite the availability of this more general theory, the classical Modigliani¿Miller theory is still widely used in practice. In this book, the authors for the first time generalize it for cases of practical relevance: for the case of variable profit; for the case of advance tax-on-profit payments and interest on debt payments; for the case of several tax-on-profit and interest on debt payments per period; and for the combination of all three effects. These generalizations lead to valuable theoretical results as well as significantly widen of practical application this theory in practice and increase of the quality of finance management of the company. As well, the book investigates the applications of said results in corporate finance, investments, taxation and ratings, where employing a generalized Modigliani¿Miller theory can be very fruitful.

Family firms are a significant economic force in the United States and worldwide. There are 5.5 million family businesses in the United States, which account for 63% of employment, 57% of GDP, and create 75% of all new jobs (Kinkade, 2011). Further, family businesses are not homogeneous economic entities. They range in size from small owner-managed firms to large multinational corporations and are found across a variety of industries. Family businesses' prevalence and economic contribution make them a very important source of economic development and growth

Il diffondersi della pandemia di coronavirus SARS-CoV-2 nel corso dell'inverno 2020, dapprima in Asia orientale, poi in Europa e successivamente nel resto del pianeta, ha rappresentato e continua tutt'oggi a costituire, a livello globale, una delle minacce piu importanti per la salute registrate negli ultimi decenni, almeno nel novero delle malattie infettive. L'Italia è stato uno dei Paesi piu precocemente e intensamente coinvolti. Già nell'estate 2020 i contagi nel nostro Paese erano oltre 234 mila e i decessi hanno superato le 33 mila unita. Erano numeri destinati ad aumentare, specie se i tentativi adottati per affrontare l'emergenza sanitaria non riuscirono a contenere stabilmente la propagazione del virus e gli allentamenti delle misure di distanziamento sociale implementate nei vari Stati, seppur secondo modalità differenti, provocheranno il riacuirsi della malattia e la nascita di nuovi focolai. A maggio 2020, il quadro clinico in lento ma costante miglioramento ha permesso l'avvio della cosiddetta fase 2 della gestione della malattia, eppure il bilancio delle vittime rimane tragico, con un significativo eccesso di mortalita rispetto all'atteso. A cio si aggiunga che il numero dei decessi che sono direttamente o indirettamente imputabili al virus e sicuramente sottostimato. In questo conteggio vengono infatti considerati unicamente i decessi avvenuti tra i casi di COVID-19 diagnosticati, mentre non sono inclusi tutti i decessi per coronavirus che hanno riguardato individui non sottoposti a tampone.

It doesn't matter what you make, it matters what you keep...Many people think they need a lot of money to invest, save, or get out of debt--and that financial planning is only for the rich. Rob Donovan wants to change that mentality. He merges over two decades of experience in the business and finance world with biblical principles--breaking down the walls of these misconceptions. In this book, you will discover how leaning on God will help turn your budget into blessings.Rob teaches easy-to-understand concepts that anyone--in any stage--can implement into their lives. He explains why your future doesn't depend on how you were raised or the decisions you made in the past. Creating a new mindset today can lead to positive impacts tomorrow. Rob incorporates his own humorous, real-life stories and experiences--demonstrating how small decisions can create huge financial gains. Get ready to laugh, learn, and gain the tools needed for financial freedom.This book should be required reading for everyone, but for young adults especially! I wish I would have known and applied this simple, yet life-changing information from a young age. --Lisa Johnson

Initially developed as a tool for training lead auditors of nuclear quality systems, the Nuclear Auditing Handbook has also been used as a reference by quality managers who plan quality system audits. It provides detailed material in such aspects as the development, administration, planning, preparation, performance, and reporting of quality system audits in energy-related fields. ASQ's Nuclear Committee of the Energy and Environment Division gathered a team of highly seasoned experts in the nuclear auditing field to expand this new edition's content and bring it current to modern-day best practices and standards. This book introduces updated information about requirements and standards, including the 2019 editions of the American Society of Mechanical Engineers (ASME) NQA-1 Quality Assurance Program Requirements for Nuclear Facility Applications and ASME BPVC Sections I; IV; and VIII, Divisions 1 and 2. The authors and editors have also added helpful tools to aid nuclear auditors, including case studies suitable for training auditors, blank forms for convenient use, and samples of completed forms.

This Special Issue on MNEs, sustainability, and innovation contains a collection of 13 papers that address several subjects that are on related themes. The authors of these contributions study the boundaries of the previous literature on these relevant topics by providing insightful findings and review, as well as proposals for future research ideas in various contexts. For this Special Issue, we invited both conceptual and (qualitative and quantitative) empirical articles, as well as literature reviews and meta-analysis articles from a range of fields; these included not only business and management, but also sociology, political science, psychology, economics, and economic geography, among others.

"Faith, Family and Finance" is an inspiring and practical guide to achieving financial stability and success through the lens of faith and family values.With the years of experience in financial planning and counseling, This book offers its readers practical advice on budgeting, saving, investing, and managing debt, while also exploring the deeper spiritual and emotional aspects of money and its role in our lives. Through personal anecdotes and insightful reflections, this book shows how aligning our financial goals with our faith and family values can bring greater meaning and purpose to our lives, as well as greater financial security.Whether you are struggling to make ends meet or simply looking for ways to enhance your financial well-being, "Faith, Family and Finance" offers a wealth of practical tools, tips, and strategies to help you achieve your financial goals while remaining true to your values and priorities. With its clear, engaging style and heartfelt message, this book is sure to become a treasured resource for anyone seeking financial freedom and a deeper connection to their faith and family.

Risk elimination. Risk management. Risk mitigation. These terms are an increasingly important part of the lexicon of executive-level management as they strive to succeed in a business environment having global competition, geographically diverse suppliers, and new technologies. In this new, globally expansive marketplace, more than 50 percent of value creation is achieved outside of an organization's walls, or, in other words, through their suppliers. This, too, is where the majority of product realization risk lies. This book defines what risk-based thinking is and how to apply it from the perspective of helping manage organizational risk through the supplier audit process. It provides a detailed and useful discussion of the practical application of risk-based supplier auditing principles. It can be a primer for those new to the profession of supplier auditing, and it also shares tips and best practices that would benefit experienced auditors as well.The first section explores supplier management, supplier auditing, and the supplier audit process. The second section discusses the skills, both traditional and nontraditional, needed to ensure a successful supplier audit. Relevant aspects of ASQs Certified Quality Auditor (CQA) and Certified Supplier Quality Professional (CSQP) Bodies of Knowledge are discussed in detail.The author's friends and colleagues from around the globe shared their own stories in Case in Point-vignettes interspersed throughout the book, providing first-hand case studies from, among others, the medical device, logistics, automotive, and aerospace industries.

The author's lessons learned-during more than 25 years of hands-on quality management experience in environments including manufacturing, medical devices, military, aerospace, automotive, and logistics-are condensed in this book to provide reference material to both beginners and seasoned professionals in the development and sustainability of an effective quality and operational system.Experiences shared in this book include the design from ground zero-to-deployment, risk mitigation, and maintenance of quality standards such as ISO 9001, AS9100, ISO/TS 16949, TL 9000, FDA/GMP and C-TPAT standard, and Lean Six Sigma principles.The main focus of this book is to promote the use of the internal auditing tool as a feedback mechanism not only for compliance verification but also for the measurement and enhancement of the system's effectiveness. The catalysts for this goal are:Auditing beyond compliance to include identification of improvement opportunitiesUse of process metrics as feedback mechanism in the discovery of hidden factories and risksConcepts and models discussed in this book are clearly illustrated using anonymous real-life examples encountered in day-to-day operations. These examples include lessons learned associated with compliance, continuous improvement, and techniques in the conversion of performance metrics as process indicators, savings' generators, and risk mitigation. The examples and models are simple and easy to understand accompanied with templates for quick application on the creation of problem statements, root cause analysis methods, and design of action plans with measurement of success.Workshop modules for 'training the trainers' are included in this book with practical hands-on exercises on the different tools associated with problem solving, development of process metrics for risk mitigations and auditing.

Studienarbeit aus dem Jahr 2020 im Fachbereich BWL - Rechnungswesen, Bilanzierung, Steuern, Note: 1,3, Technische Hochschule Köln, ehem. Fachhochschule Köln, Sprache: Deutsch, Abstract: Diese Hausarbeit beschäftigt sich mit der Abgeltungsteuer, die auf Kapitaleinkünfte aus dem Privatvermögen erhoben wird und einer möglichen Änderung des Gesetzes durch die Bundesregierung. Zuerst erfolgt eine kurze Einführung in das Abgeltungsprinzip und eine Zusammenfassung der am häufigsten geäußerten Kritik daran, wie beispielsweise dem Vorwurf eines Verstoßes gegen die Steuergerechtigkeit. Im Hauptteil werden dann anhand von Überlegungen und Beispielrechnungen die Konsequenzen einer teilweisen bzw. kompletten Abkehr von der Abgeltungsteuer beleuchtet, sowie mehrere Alternativen werden aufzeigt. Zum Schluss werden die verschiedenen Möglichkeiten noch einmal zusammengefasst und in einer Kosten-Nutzen-Analyse gegenübergestellt.

Business ethics are more than moral values and principles that determine our conduct in the business universe. It refers to the commercial activities, either with other business houses or with a single customer. They can be given to all facets of the business; from generation of an approximation to its sale. Line of work uses the company for its resources and functioning, thereby obligating it to the benefit of thecompany. While the objective of all business is to draw profits, it should contribute to the interest of the company by ensuring fair practices. Still, greed has led the present business scenario towards unethical business practices, legal complications and general distrust.

Discover the ultimate life manager and record all of your personal information in one simple book!Designed as a practical workbook to record your essential information, personal details, financial records and beyond, My Life Manager© aims to provide people with an easy place to keep track of important documents, set valuable life goals for yourself, and never lose important information again.With an easy-to-use layout and ample space for recording your reminders and warranties, resumes, legal agreements, assets and net worth, contacts, and more, this handy log book ensures that you'll never be stuck turning your house upside down for misplaced information. You can even store your original documents in a binder or file cabinet and use this book as a complete index!Book details:· Features a Beautiful Layout with Plenty of Tables & Forms To Record All Your Personal Information In One Easy-To-Access Book· Great For Keeping Passport Expiry Dates, Contacts, Goals, Reminders, Budgets & Beyond· Includes Space For Legal Agreements, Job or School Applications, Warranties, & Resumes etc· Track Your Financial Goals, Assets, Net Worth, Estate Planning & Retirement Savings¿As an essential companion for anybody who dreams of being more organized, My Life Manager© is a simple record keeper that suits individuals or families who want to have a dedicated place to store and retrieve personal information.

Praise for Beyond the Five Whys "James uses a combination of real-life stories and best practice insights to present a practical approach to root cause analysis that will help shift your mindset to unleash the power of being more curious." -Damian Finio, CFO Phibro Animal Healthcare Corporation "As the world becomes ever more complex and fast paced it is imperative that we become outstanding at learning from experience. Somehow, we must get beyond blame and shame when examining why things go wrong. Otherwise, we will just repeat, and probably make bigger mistakes." -Andrew Pal CEng, FIMechE (Leadership Coach and Organisation Consultant) "James Paterson, a former Chief Audit Executive, tackles a topic of immense importance across all organizational sectors. The book also includes practical guidance from leaders in business, risk and audit." -Nancy Haig, CIA, CBA, CFE, CRISC, Principal - PIAC LLC "Through clear explanations and real-world examples, readers will learn how to systematically identify root causes and develop effective solutions that address the underlying problems. This book is a valuable resource that professionals can read and start to apply to improve their problem-solving skills and make a positive impact within their organizations. Highly recommend!" -Sandeep Das - Head of Internal Audit, St John Ambulance

This book tells the story of accounting in the 1990s in the words of three ASB Board members: Sir David Tweedie, Allan Cook, and Professor Geoffrey Whittington. It covers the problems the standard-setters faced, both technical and political, the resistance they met, the solutions they developed, and the durability of their work.

This book proposes that the solution to growing burden of carbon emission lies within the technology innovation as continued advancements in processes make businesses lean and smart.

This volume explores the impact of good governance upon social sectors' development in India and other selected economies of the world.Economic development in the true sense depends on the development of different social sectors like education, healthcare, gender equality, etc., as well as economic factors. Good governance makes the sectors perform well on the one hand, and helps in economic growth and development on the other. Conversely, bad or weak governance in the form of corruption and low effectiveness of the governments, may lead to poor performance of the sectors, and low growth and backwardness of the economies. This book explores the associations between different social sectors' performances with quality of governance, and growth and development of different economies and groups in detail and establishes theoretical and empirical examinations for the individual economies and groups from the different corners of the globe with the help of new theories and latest data.This book will be useful for students and researchers in the fields of Economics, Sociology, Political Studies, Public Finance, International Relations, Social Sciences as well as policy makers and think tanks.

Green House Gas Emissions Reporting and Management in Global Top Emitting Countries and Companies increases our understanding of GHG emissions and documents evidence for policy formulation aimed at reducing the accumulation of such emissions.

It is important to set your financial priorities in life, as this can help secure your financial future. Improper handling of funds can be too stressful.Many people do not know where and how they spend most of their income. How many times have you withdraw money from an ATM, only to find out a few days later that there is none? It is often difficult to remember how much you have spent, and that money is often spent on frivolous purchases.A budget will help avoid this by holding people accountable for the income they spend. If a person only has $50 a month left for food, they can opt out of buying a $3 designer coffee.

Throughout Don Benbow's extensive career, teaching mathematics and statistical courses to college students and corporate employees, one common question always popped up: how do you fix statistical errors in quality? Most textbooks and courses tend to emphasize how to perform statistical analysis and give little attention to errors that can occur in the process. This book intends to teach readers how to avoid common pitfalls by providing examples and scenarios based on similar real-world events. The book also provides caveats (or quick tips) to help readers navigate their way through statistical methodology.

Next Level Results for Your QMSYou don't just want a compliant quality management system, you want a robust one a QMS that's easy to implement and maintain. Beyond Compliance Design merges two sets of experiencess that of a quality system designer/auditee and that of an external auditor to help you make that possible. Move beyond a focus on checking all the right boxes to the opportunities for continuous improvement, waste reduction, employee engagement, and customer satisfaction and delight.Author Janet Bautista Smith, with the contributions of external auditor, Robert Alvarez, guides you in this process with her models, case studies, lessons learned, and an array of simple tools and templates you can customize for your organization and begin using immediately, including: Implementing layered metrics to align with the auditor's perspective Employing DMAIC analysis to process customer complaints Discovering hidden factories through a Process Grid Walk Addressing common pitfalls of documentation systems with lean solutions Achieving operational compliance and excellence within processes Determining QMS, customer, and auditor satisfaction Fostering synergy among the QMS, customer, and auditor perspectives Engaging management review for critical support

How should you save? Where should you invest? Is your insurance enough? How do you start on the journey of fulfilling your aspirations? The financial world is a jungle of sorts. Dangers lurk everywhere. So how can you foray into this jungle to feast on its bounties but stay clear of the traps? Adhil Shetty, the co-founder and chief executive of BankBazaar.com, takes you on a journey through the financial wild, accompanied by the bee, the beetle and the 'money' bug. But what do these creatures have to do with finance? A lot! Adhil and his 'friends' employ case studies and data to nudge you towards common sense money management. Adhil is one of India's most widely quoted and trusted experts in personal finance. With his first book, he passes on his wealth of knowledge to help every Indian take control of how they save, insure, invest and borrow. He demystifies jargon-heavy financial literature and confusing sales pitches. He pulls you out of your decision fatigue. He tells you how to enjoy your money responsibly. With this book, he will help you structure your finances, avoid bad decisions and cement your financial legacy. THE ULTIMATE WEALTH WARRIOR WORKBOOK INSIDE

Perfect for anyone charged with implementing a quality audit program or those performing the audit, this book is an ideal reference on the established techniques of quality auditing. This third edition serves as a guide to learning and applying the basics of quality auditing, and expands on the basic auditing principles by showing how the quality audit can be used to improve business performance. This new edition includes:- An expanded background and history of quality auditing- A general model for auditing any quality management system- Added information on process audits and the system-process-product relationship- Auditor competencies and qualifications- An explanation of audit reports and the role of the auditor after the report- New material on remedial and corrective action- Example audit procedures and a glossary of auditing termsAuthor Dennis Arter addresses both internal and supplier auditing as it relates to any quality management system, including ISO 9001, GMP, automotive, and others. He provides supportive examples and checklists throughout the text to help make this book the best single-source guide on the subject. Quality practitioners, registrars, and those preparing for the ASQ Certified Quality Auditor (CQA) exam will find it to be an invaluable reference.

Personal finance is an essential part of our lives, affecting our financial well-being and overall quality of life. It is a topic that is often overlooked or misunderstood, yet it is crucial to achieving financial stability, building wealth, and achieving our financial goals. In this book, readers will gain a comprehensive understanding of personal finance and learn practical strategies for managing their money effectively. The book covers a wide range of topics, including budgeting, saving, investing, debt management, and planning for retirement. It provides a step-by-step guide for creating a budget, setting financial goals, and developing a plan for achieving those goals. It also includes tips for saving money, investing wisely, and managing debt, as well as strategies for preparing for retirement and building wealth over the long term. Readers will learn how to evaluate their financial situation, identify areas for improvement, and take proactive steps to improve their financial standing. The book provides a wealth of information on financial products and services, including banking, credit, insurance, and investment options, allowing readers to make informed decisions about their finances. Whether readers are just starting out on their financial journey or are looking to improve their current financial situation, this book provides the knowledge and tools they need to achieve their financial goals. It is a comprehensive guide to personal finance that is easy to understand, yet offers valuable insights and practical advice for managing money effectively. With this book as their guide, readers can take control of their finances, build wealth, and achieve financial independence.

Sowohl für Studierende und Lehrende als auch für Praktiker aus den Bereichen der Betriebswirtschaftlichen Steuerlehre und des Steuerrechts gibt dieses Buch eine übersichtliche Darstellung der wichtigsten Steuerarten in Deutschland. Die einzelnen Kapitel liefern fundierte Kenntnisse über steuerliche Grundlagen, das Steuersystem, die Einkommensteuer, die Körperschaftsteuer, die Gewerbesteuer, die Grundsteuer, die Erbschaft¿ und Schenkungsteuer, die Umsatzsteuer, weitere wichtige Verkehr¿ und Verbrauchsteuern sowie den Einfluss der Rechtsformwahl auf die Besteuerung. Auf dem gesicherten Rechtsstand Januar 2023 wurde das Buch aus der renommierten 4. Auflage ¿Steuern¿ weiterentwickelt. Neben dieser Aktualität zeichnet sich das Buch besonders dadurch aus, dass die Leser mit Hilfe der theoretisch fundierten und durch zahlreiche Abbildungen und Beispiele sehr gut nachvollziehbaren Darlegungen ihr gelerntes Wissen anhand von zahlreichen Fallbeispielen mit Musterlösungen überprüfen können.