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Author: Larry A. Maxwell Publisher: CreateSpace ISBN: 9781499184969 Category : Business & Economics Languages : en Pages : 246
Book Description
Would you like to have more money in your pocket or in your bank account, right now? If your answer to that question is yes, then this is the right book for you. Inside this book, you will find more than 500 proven practical ways to help you reduce expenses and save money. If you apply only one simple money saving tip in this book and start to save $2 a day, at the end of the week, you will have an extra $14. That may not seem like much but if you do that for 52 weeks, you will save $728 in one year. What would you do if you had an extra $728 right now? Now, imagine if you applied a few more methods in this book. You could multiply your savings. Imagine saving $20, $50, $100 or even more, every week. That would add up to significant savings very quickly. I am thankful for advice from two special Larrys. One of my teachers, Larry Burkett, provided me with some solid teaching I use in my, Gaining Personal Financial Freedom, seminar. One purpose of that seminar is to help people discover practical principles of finances so they can experience financial freedom. Another mentor of mine, Larry Coy, challenged me to put my materials in print. Because of their advice, my first book, Gaining Personal Financial Freedom, was published some 22 years ago. In my seminar, and in that book, one thing I do is show people a practical way to put together a workable budget so they can accomplish their financial goals. As they work on their budget, many people see they need to increase their income or reduce expenses. In many cases, there is little opportunity to increase income so the only option is reduce expenses. That led me to compile money saving ideas my family and I learned in a book entitled, 112 Proven Ways to Reduce Expenses. That book sold out quickly. Recently, I was on my way to speak at a conference. I knew the trip would take about seven hours and I like to work on projects during those long trips. I decided to make a list of some money saving ideas, to see if they would make a significant addition for a possible revision of 112 Proven Ways to Reduce Expenses. By the time my trip was completed I was surprised to find that list included 250 items. I knew I needed to write this book. That list grew to More than 500 Proven Ways to Reduce Expenses and save money. The majority of the items in this book can reduce expenses and save money for most people immediately. There are some items, which take a little more time and effort before you see the benefits. A few require some expenditure of funds, but the return is often well worth it. Some will only work for people in certain situations, but perhaps one day you, or someone you know, will be in that situation and you will be prepared. Most of these money saving ideas are timeless but some are not. As times change, and especially as technology changes, some of these ideas will no longer work. This book is not the kind you just sit down and read through. The first section includes some warnings and foundational principles, which will help you save money. The last section deals with some timeless principles. The rest of the book is full of money saving tips listed by categories. You may want to jump ahead and look at the categories, which interest you the most or you may want to look in the Index for specific items. I include some personal examples and some good old common sense advice. I trust you will appreciate those. This book would be a great gift for many of people because it contains a lot of helpful information many people would love to know. This is especially a good gift for a graduate, for newlyweds or as a helpful house-warming gift. If you are in a difficult financial situation, do not allow your situation to discourage you. Dig into this book and determine to find the sun behind the clouds. Whatever you do, make sure you live life to the fullest and have fun applying these principles as you get on the path to financial freedom.
Author: Larry A. Maxwell Publisher: CreateSpace ISBN: 9781499184969 Category : Business & Economics Languages : en Pages : 246
Book Description
Would you like to have more money in your pocket or in your bank account, right now? If your answer to that question is yes, then this is the right book for you. Inside this book, you will find more than 500 proven practical ways to help you reduce expenses and save money. If you apply only one simple money saving tip in this book and start to save $2 a day, at the end of the week, you will have an extra $14. That may not seem like much but if you do that for 52 weeks, you will save $728 in one year. What would you do if you had an extra $728 right now? Now, imagine if you applied a few more methods in this book. You could multiply your savings. Imagine saving $20, $50, $100 or even more, every week. That would add up to significant savings very quickly. I am thankful for advice from two special Larrys. One of my teachers, Larry Burkett, provided me with some solid teaching I use in my, Gaining Personal Financial Freedom, seminar. One purpose of that seminar is to help people discover practical principles of finances so they can experience financial freedom. Another mentor of mine, Larry Coy, challenged me to put my materials in print. Because of their advice, my first book, Gaining Personal Financial Freedom, was published some 22 years ago. In my seminar, and in that book, one thing I do is show people a practical way to put together a workable budget so they can accomplish their financial goals. As they work on their budget, many people see they need to increase their income or reduce expenses. In many cases, there is little opportunity to increase income so the only option is reduce expenses. That led me to compile money saving ideas my family and I learned in a book entitled, 112 Proven Ways to Reduce Expenses. That book sold out quickly. Recently, I was on my way to speak at a conference. I knew the trip would take about seven hours and I like to work on projects during those long trips. I decided to make a list of some money saving ideas, to see if they would make a significant addition for a possible revision of 112 Proven Ways to Reduce Expenses. By the time my trip was completed I was surprised to find that list included 250 items. I knew I needed to write this book. That list grew to More than 500 Proven Ways to Reduce Expenses and save money. The majority of the items in this book can reduce expenses and save money for most people immediately. There are some items, which take a little more time and effort before you see the benefits. A few require some expenditure of funds, but the return is often well worth it. Some will only work for people in certain situations, but perhaps one day you, or someone you know, will be in that situation and you will be prepared. Most of these money saving ideas are timeless but some are not. As times change, and especially as technology changes, some of these ideas will no longer work. This book is not the kind you just sit down and read through. The first section includes some warnings and foundational principles, which will help you save money. The last section deals with some timeless principles. The rest of the book is full of money saving tips listed by categories. You may want to jump ahead and look at the categories, which interest you the most or you may want to look in the Index for specific items. I include some personal examples and some good old common sense advice. I trust you will appreciate those. This book would be a great gift for many of people because it contains a lot of helpful information many people would love to know. This is especially a good gift for a graduate, for newlyweds or as a helpful house-warming gift. If you are in a difficult financial situation, do not allow your situation to discourage you. Dig into this book and determine to find the sun behind the clouds. Whatever you do, make sure you live life to the fullest and have fun applying these principles as you get on the path to financial freedom.
Author: Dave Ramson Publisher: ISBN: 9781480010321 Category : Languages : en Pages : 260
Book Description
Money management for real people. Money Saving Emergency Plan offers a no-nonsense, No B.S. approach to budgeting and personal finance. In this book, the average person will discover ways to cut expenses and save money each and every month. Noted speaker and author Dave Ramson steps outside of "theory" and "conjecture" to offer over 500 money saving tips, tricks and strategies that real people can actually incorporate into their daily lives. These are smart budgeting and money saving tactics that actually work, whether you need to cut over a thousand dollars, or maybe just fifty or one hundred dollars, per month from your monthly budget.Dave Ramson understands that times are tough, money is tight and smart money management is essential to thriving in today's economy. The entire world is in some stage of recession, and the simple truth is that it's not going to magically end anytime soon. He understands that many of us are finding it necessary to reduce expenses in order to pay our bills and make "ends meet." Some household budget cuts are easy; others require difficult decisions that mean giving up certain lifestyle choices of which we have become accustomed. Either way, now more than ever, we all need to find new ways to save money.For some of us, a total money makeover may be required; while others simply need to improve their budgeting and money management skills. There is no shame in needing to cut expenses or to implement a little better financial planning for your family. The circumstances of the global economy have hurt nearly every pocketbook and bank account worldwide. There is plenty of blame to go around - from the bankers to the politicians to our own personal lack of self-control - but worrying about who to blame does not put food on the table or pay the bills. The real story, now, is how to survive and thrive in this new reality. This book is really for two categories of people: those who find themselves with a need to create a money plan to cut expenses quickly and drastically; and those who need a few good, sound ideas to save money each month before they find themselves in the first category. This book is NOT for those who are looking for a "magic pill;" or for those who are unwilling to make an effort to change their financial situation. Dave Ramson gives it to you straight - so be ready for a real, no B.S. look at household money management, budgeting and personal finance.Some of the strategies in this book will sound familiar; others will be eye-opening. With over 500 real-world tips and money saving strategies, any reader will surely find plenty of proven ways to learn how to save money, reduce bills and cut monthly expenses. The end result will boost their financial health and reduce their personal stress.
Author: Larry a Maxwell Publisher: ISBN: 9781949277067 Category : Languages : en Pages : 200
Book Description
No matter how old you are, whether you are eight years old or eighty, and no matter how much education you have, this book contains many methods you may be able to use right now, to generate the additional income you need or desire.
Author: Institute of Medicine Publisher: National Academies Press ISBN: 0309282810 Category : Medical Languages : en Pages : 437
Book Description
America's health care system has become too complex and costly to continue business as usual. Best Care at Lower Cost explains that inefficiencies, an overwhelming amount of data, and other economic and quality barriers hinder progress in improving health and threaten the nation's economic stability and global competitiveness. According to this report, the knowledge and tools exist to put the health system on the right course to achieve continuous improvement and better quality care at a lower cost. The costs of the system's current inefficiency underscore the urgent need for a systemwide transformation. About 30 percent of health spending in 2009-roughly $750 billion-was wasted on unnecessary services, excessive administrative costs, fraud, and other problems. Moreover, inefficiencies cause needless suffering. By one estimate, roughly 75,000 deaths might have been averted in 2005 if every state had delivered care at the quality level of the best performing state. This report states that the way health care providers currently train, practice, and learn new information cannot keep pace with the flood of research discoveries and technological advances. About 75 million Americans have more than one chronic condition, requiring coordination among multiple specialists and therapies, which can increase the potential for miscommunication, misdiagnosis, potentially conflicting interventions, and dangerous drug interactions. Best Care at Lower Cost emphasizes that a better use of data is a critical element of a continuously improving health system, such as mobile technologies and electronic health records that offer significant potential to capture and share health data better. In order for this to occur, the National Coordinator for Health Information Technology, IT developers, and standard-setting organizations should ensure that these systems are robust and interoperable. Clinicians and care organizations should fully adopt these technologies, and patients should be encouraged to use tools, such as personal health information portals, to actively engage in their care. This book is a call to action that will guide health care providers; administrators; caregivers; policy makers; health professionals; federal, state, and local government agencies; private and public health organizations; and educational institutions.
Author: Michelle McGagh Publisher: Coronet ISBN: 9781473652156 Category : Finance, Personal Languages : en Pages : 0
Book Description
Personal finance journalist, Michelle McGagh, takes on a challenge to not spend money for a whole year in an engaging narrative that combines personal experience with accessible advice on money so you can learn to spend less and live more. Michelle McGagh has been writing about money for over a decade but she was spending with abandon and ignoring bank statements. Just because she wasn't in serious debt, apart from her massive London mortgage, she thought she was in control. She wasn't. Michelle's took a radical approach and set herself a challenge to not spend anything for an entire year. She paid her bills and she has a minimal budget for her weekly groceries but otherwise Michelle spent no money at all. She found creative ways to live have a social life and to travel for free. She has saved money but more importantly she is happier. Her relationship with money, with things, with time, with others has changed for the better. The No Spend Year is Michelle's honestly written and personal account of her challenge. But it is more than that, it is also a tool for life. There are top tips for your own finances including easy to understand advice on interest, mortgages, savings , pensions and spending less to help you live a more financially secure life.
Author: Paul Leinwand Publisher: Harvard Business Press ISBN: 1422161803 Category : Business & Economics Languages : en Pages : 64
Book Description
For most companies, cost cutting in a down economy means across-the-board slashing that "spreads the pain" of budget reductions across many departments. While that may sound like the best approach for getting critical results fast and for limiting political infighting, it is a mistake-one that will leave your company weaker, not just smaller. Instead, companies that need to reduce costs should treat the challenge as an opportunity to identify and reinforce their key capabilities, while divesting from those activities that do not truly reflect the business's strengths or long-term goals. This more strategic approach will make your company more resilient as tough times continue and more robust as recovery begins. In Cut Costs, Grow Stronger, an e-book published as part of the Harvard Business Press Memo to the CEO series, Booz & Company's Shumeet Banerji, Paul Leinwand and Cesare Mainardi provide executives with the tools they need to rapidly implement capabilities-driven cost reduction. First they demonstrate how to identify and clearly articulate your company's key capabilities-not just core competencies or skill sets, but those very few strengths that, in combination, define how your organization competes. You can then use this information to create your company's unique blueprint for effective and efficient cost reduction. The authors' detailed, step-by-step framework walks you through the process, which can be completed in as little as two or three months-it's something that you can do now. This practical guide to capabilities-driven cost-cutting is the tool executives need to confront the challenge of today's economy while strengthening the foundation for what will set their company apart in the future.
Author: Michele Cagan Publisher: Simon and Schuster ISBN: 1507209088 Category : Business & Economics Languages : en Pages : 256
Book Description
“Cagan makes the case that a budget isn’t a buzz killer. It’s financial salvation.” —The Washington Post Don’t break the bank—learn to create and stick to a budget with this comprehensive, easy-to-understand guide to saving money sensibly in this edition of the popular 101 series. Sometimes, it can seem like saving money is impossible. With everyday expenses, from groceries and gas, to the electric bill and lunch money, as well as those unexpected expenses, like car repairs and medical bills, getting—and keeping—control of your finances can feel overwhelming. With Budgeting 101, you can start saving now. This clear and simple guide provides tons of practical advice for keeping track of your finances. With useful tips on setting financial goals, reducing debt, finding ways to save money, and creating and following a budget plan, you’ll have your dollars and cents under control in no time. Why spend more of your hard-earned money on a financial advisor? Filled with expert advice on a wide range of the most common financial concerns and step-by-step instructions to managing your money both now and in the future, Budgeting 101 has you covered.
Author: Institute of Management and Administration (IOMA) Publisher: John Wiley & Sons ISBN: 1118429028 Category : Business & Economics Languages : en Pages : 461
Book Description
Cost Reduction and Control Best Practices provides financial manages with no-nonsense, balanced, and practical strategies that are being targeted and used nationwide for controlling costs by thousands of companies in areas such as human resources, compensation, benefits, purchasing, outsourcing, use of consultants, taxes, and exports. These best practices are based on the trenches experience, research, proprietary databases, and consultants from the Institute of Management and Administration (IOMA) and other leading experts in their fields. * Provides best practices and techniques for controlling costs within a company * New chapters focus on outsourcing costs, downsizing, consultants' costs, and business tax costs * Provides the latest strategies companies re using to control costs
Author: Larry A. Maxwell
Author: Larry A. Maxwell
Author: Dave Ramson
Author: Larry a Maxwell
Author: Institute of Medicine
Author: Michelle McGagh
Author: 
Author: Paul Leinwand
Author: Michele Cagan
Author: Institute of Management and Administration (IOMA)
Author: United States. Congressional Budget Office