The Book of Testaments -A Practical Guide for Spititual Realisation is designed to help up you face the challenges of the spiritual journey and realise your fullest potential in this lifetime. An entire lifetime can pass by in a flash before we realise the great gifts and potential that life has to offer.
SAVE A FORTUNE AND TRANSFORM YOUR LIFESTYLE IN 2022. If you're feeling the pinch after Christmas and worried about the rising cost of living then INSTAGRAM SENSATION MONEY MUM is here to help you SAVE THOUSANDS WITHOUT EVEN NOTICING. "Money Mum, here, coming to you, as always, with another money tip! You don't have to be wealthy or earn a huge salary to achieve all the things you want in life - and I'm here to show you how. Just by spending a little less on everyday small costs or being savvy with your choices, you will naturally have a little more for the finer things in life. My exciting new book will show you everything you need to know to save money and be truly happy forever. When you're trying to manage a busy family, it's easy to lose sight of the things that really matter and feel like you're drowning in worries while the pennies are drowning away. So many of us feel we have to pretend to be wealthier than we are and try to hide it when we can't afford something. Why though, when we are all sharing what we had for our tea and how many press ups we did that morning on social media, can't we be more honest about our finances? Why is there still so much shame and secrecy about being a bit strapped for cash, or in debt? I feel really strongly that it has got to change, and I'm here to get you through it.. I want to empower women and girls to take responsibility for their own financial futures. To have those difficult conversations and do the uncomfortable maths, because believe me one day you will be so glad you did. From starting small and making little changes to your everyday habits, through building a second income into your lifestyle, to going for the big goals in your life that you might think are out of your reach - this book will help you reboot your finances one money tip at a time. Because money isn't a secret recipe that only rich people know, it's a mindset and an attitude that anyone can have. And Money Mum is here, as always, to show you how. Now stick the kettle on, grab a pen and paper and let's start saving you some serious cash!" Inside you'll find: - My ultimate deals and tips, covering everything from shopping and bills to selling unwanted items - How to follow my weekly 'No Spend Day' and 'Make Money Day' - What your money mindset does to your anxiety levels and the impact social media has on your spending - Tips for getting the whole family talking about money from an early age - Spending tracker templates, charts and plenty of space for your own notes!
Earned Value Analysis was first developed and used in the construction industry. These days, and with the push by the Project Management Institute (PMI), it has started to be widely used in all types of projects. Essentially, there are 3 financial measures and 2 project measures used to extract other indicators. There is the planned value, the earned value and the actual cost. From these, indicators can be derived to measure status, project schedules and budgets, workout “gears” that tell the project management what work rates are required to finish on time or on budget. The book starts by using the traditional terminology (BCWS, BCWP and ACWP) then switches to the recently revised PMI terminology: PV, EV and AC. It presents each of the 25 indicators using examples prepared with Microsoft Excel. Workouts follow most indicators. The approach is very practical with no text wasted on theory. The eBook is computational and is supported by various Excel workbooks which can be freely downloaded. The workbooks provide the reader with workouts, their solutions and a few templates to use when analyzing Earned Value. The book is aimed at those who have tried absorbing EVA and found it theoretical or complex to use. Mostly, project members who are involved in monitoring, cost control and schedule management. For those aiming at PMI certification, this book follows the requirements of the PMBOK and can be used in parallel to other texts when preparing for PMP or CPMA tests.
After taking and defending Vuzgal, Erik and Rugrat have a new task to complete: build a city. They have been racing through the realms at this point, but Vuzgal is a prize that they can't simply give up on. Alva is mobilized, as are their allies, to build out the new city. It is time that they solidify their gains, working on their crafts, their fighting ability and cultivation. As they expand their personal power, their gaze turns toward Vermire, to the dungeon. It's time they started to exert the strength they've built up. Alva moves in the shadows, but to what effect? The answer lies in the Fifth Realm.
Popular wisdom holds that the years since 1973 -- the end of the "postwar miracle" -- have been a time of economic decline and stagnation: lackluster productivity, falling real wages, and lost competitiveness. The rich have gotten richer, the poor have gotten poorer, and most of us have barely held on while watching all the best jobs disappear overseas. As Myths of Rich and Poor demonstrates, this picture is not just wrong, it's spectacularly wrong. The hard numbers, simple facts, and iconoclastic arguments of this book will change the way you think about the American economy.
"The financial decisions we make in our lives are sometimes not the easiest to discuss but have long-lasting effects. [Opdyke's advice] has opened the door in my relationship to conversations that were a long time coming." -Josh, regular reader of Opdyke's "Love & Money" column, Florida Real answers to real questions about money and relationships: * I have too much debt and my credit isn't very good. How can I fix my financial problems? And how do I break the news to my boyfriend? * How do I teach my kids the value of money, when my parents shower them with expensive gifts? * My wife makes more money than I do, does that give her a greater voice in our financial decisions? Are we still equal? * How much should I give my child in allowance? And will it really help him learn the value of a dollar? * We want to have our first baby, but we don't know if we can afford it yet. How much money do we really need to have in the bank? If you're like most people, you're struggling with questions like these. Whether we like it or not, money makes a big difference in the choices we make and the lives we lead. Unresolved questions about money can put unwanted stress on even the healthiest relationships-between spouses, between parents and children, and even between friends. In Love & Money, columnist Jeff Opdyke offers practical personal finance advice, as well as strategies for dealing with touchy financial topics-so that money doesn't end up costing you something even more valuable.