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Self-improvement

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Boundaries: When to Say Yes, How to Say No to Take Control of Your Life

Henry Cloud·357 Pages·2001·1.9 MB

01.Boundaries 6/7/01 5:04 PM Page 2 Resources by Henry Cloud and John Townsend Boundaries Boundaries Workbook Boundaries audio Boundaries video curriculum Boundaries in Dating Workbook Boundaries in Datingaudio Boundaries in Dating curriculum Boundaries in Marriage Workbook Boundaries in Marriage audio Boundaries with Kids Workbook Boundaries with Kidsaudio Changes That Heal (Cloud) Changes That Heal Workbook (Cloud) Changes That Heal audio (Cloud) Hiding from Love (Townsend) The Mom Factor Workbook The Mom Factor audio Raising Great Kids Raising Great Kids for Parents of Preschoolers curriculum Raising Great Kids Workbook for Parents of Preschoolers Raising Great Kids Workbook for Parents of School-Age Children Raising Great Kids Workbook for Parents of Teenagers Raising Great Kids audio Safe People Safe People Workbook Safe Peopleaudio Twelve “Christian” Beliefs That Can Drive You Crazy Click on the titles below to read excerpts from other books by Henry Cloud and John Townsend. Boundaries in Marriage Boundaries with Kids Boundaries in Dating The Mom Factor01.Boundaries 5/14/01 12:36 PM Page 3 B OUNDARIES When to Say YES When to Say NO To Take Control of Your Life Dr. Henry Cloud Dr. John Townsend01.Boundaries 5/14/01 12:36 PM Page 4 Boundaries Adobe ® Acrobat ® ebook Reader ® format Copyright © 1992 by Henry Cloud and John Townsend Requests for information should be addressed to: Zondervan, Grand Rapids, Michigan 49530 Library of Congress Cataloging-in-Publication Data is available for the print edition of this title. ISBN0-310-24375-0 All Scripture quotations, unless otherwise noted, are taken from the HOLY BIBLE: NEW INTERNATIONAL VERSION® (North American Edition). Copyright © 1973, 1978, 1984 by International Bible Society. Used by permission of Zondervan Publishing House. All rights reserved. Verses marked NASBare taken from the New American Standard Bible, © 1960 by the Lockman Foundation; verses marked NRSVare taken from the New Revised Standard Ver- sion, © 1989 by the Division of Christian Education of the National Council of the Churches of Christ in the United States of America. All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means—electronic, mechanical, photocopy, recording, or any other—except for brief quotations in printed reviews, without the prior permission of the publisher. Since the case studies in this book are composites from Dr. Henry Cloud’s and Dr. John Townsend’s practices, we have not attempted to identify which author is counseling which client. All names and circumstances have been fictionalized to protect privacy. Published in association with Yates & Yates, LLP, Literary Agent, Orange, CA. Interior designed by Bob Hudson Cover designed by John M. Lucas Cover illustration by Michael McGovern01.Boundaries 5/14/01 12:36 PM Page 5 To Henry and Louise Cloud and John and Rebecca Townsend, whose training in boundaries made a difference in our lives.01.Boundaries 5/14/01 12:36 PM Page 6 Contents Acknowledgments 7 PART I: WHAT ARE BOUNDARIES? 1. A Day in a Boundaryless Life 11 2. What Does a Boundary Look Like? 25 3. Boundary Problems 47 4. How Boundaries Are Developed 59 5. Ten Laws of Boundaries 81 6. Common Boundary Myths 101 PART II: BOUNDARY CONFLICTS 7. Boundaries and Your Family 121 8. Boundaries and Your Friends 135 9. Boundaries and Your Spouse 148 10. Boundaries and Your Children 165 11. Boundaries and Work 191 12. Boundaries and Your Self 206 13. Boundaries and God 226 PART III: DEVELOPING HEALTHY BOUNDARIES 14. Resistance to Boundaries 237 15. How to Measure Success with Boundaries 267 16. A Day in a Life with Boundaries 285 Notes 295 About the Authors 297 Excerpt from other books by Dr. Henry Cloud and Dr. John Townsend 298 About the Publisher 35601.Boundaries 5/14/01 12:36 PM Page 7 Acknowledgments Scott Bolinder and Bruce Ryskamp caught the vision for this book from the very beginning. They arranged for a retreat on Lake Michigan, where we passed this vision on to other Zon- dervan staff members. Sandy Vander Zicht directed the editorial process and fine- tuned the manuscript into a book that is more graceful, more precise, and easier to read and understand. Dan Runyon cut the book down to a manageable size. Dave Anderson translated this book into a video curriculum. Sealy Yates encouraged and supported us throughout the whole process, from contract to finished book. 701.Boundaries 5/14/01 12:36 PM Page 801.Boundaries 5/14/01 12:36 PM Page 9 PART ONE WHAT ARE BOUNDARIES? 901.Boundaries 5/14/01 12:36 PM Page 10

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The 5 Second Rule: Transform your Life, Work, and Confidence with Everyday Courage

252 Pages·2017·11.94 MB

A SAVIO REPUBLIC BOOK The 5 Second Rule: Transform Your Life, Work, and Confidence with Everyday Courage © 2017 by Mel Robbins All Rights Reserved ISBN: 978-1-68261-238-5 ISBN (eBook): 978-1-68261-239-2 Cover Design by Rachel Greenberg Interior Composition by Greg Johnson/Textbook Perfect No part of this book may be reproduced, stored in a retrieval system, or transmitted by any means without the written permission of the author and publisher. Published in the United States of America Digital book(s) (epub and mobi) produced by Booknook.biz.THIS IS THE TRUE STORY OF THE 5 SECOND RULE WHAT it is, WHY it works, and HOW people around the world are using it to change their lives in five simple seconds. The events described in this book are real. No names have been changed. The social media posts that appear throughout this book are the actual posts. I cannot wait to share this book with you and watch you unlock the power of you. 5...4...3...2...1...GO! Xo, MelTHE 5 SECOND RULE TRANSFORM YOUR LIFE, WORK, AND CONFIDENCE WITH EVERYDAY COURAGE THE 5 SECOND RULE 1. Five Seconds To Change Your Life 2. How I Discovered the 5 Second Rule 1 3. What You Can Expect When You Use It PART 4. Why The Rule Works THE POWER OF COURAGE 5. Everyday Courage 6. What Are You Waiting For? 2 7. You’ll Never Feel Like It PART 8. How To Start Using the Rule COURAGE CHANGES YOUR BEHAVIOR How to Become the Most Productive Person You Know 9. Improve Your Health 3 PART 10. Increase Productivity 11. End ProcrastinationCOURAGE CHANGES YOUR MIND How to Become the Happiest Person You Know 12. Stop Worrying 4 13. End Anxiety PART 14. Beat Fear COURAGE CHANGES EVERYTHING How To Become the Most Fulfilled Person You Know 15. Building Real Confidence 5 PART 16. Pursuing Passion 17. Enrich Your Relationships THE POWER OF YOUEveryday Courage Courage is the ability to do things that feel difficult, scary, or uncertain. It isn’t reserved for just a chosen few. Courage is a birthright. It’s inside all of us. And it’s waiting for you to discover it. One moment of courage can change your day. One day can change your life. And one life can change the world. That’s the true power of courage; it reveals you. The greatest version of you. Discover your courage, and you will be capable of accomplishing and experiencing anything you dream about. Yes, even changing the world.PART1 THE 5 SECOND RULECHAPTER ONE FIVE SECONDS TO CHANGE YOUR LIFE Y ou are about to learn something remarkable—it takes just five seconds to change your life. Sounds like a gimmick, doesn’t it? It’s not. It’s science. I’ll prove it to you. You change your life one five-second decision at a time. In fact, it’s the only way you change. This is the true story of the 5 Second Rule: what it is, why it works, and how it has transformed the lives of people around the world. The Rule is easy to learn and its impact is profound. It’s the secret to changing anything. Once you learn the Rule, you can start using it immediately. The Rule will help you live, love, work, and speak with greater confidence and courage every day. Use it once and it’ll be there for you whenever you need it.I created the 5 Second Rule at a time in my life when everything was falling apart. And by everything, I mean everything: my marriage, finances, career, and self- esteem were all in the gutter. My problems seemed so big that it was a struggle each morning just to get out of bed. That’s actually how the Rule began—I invented the Rule to help me break my habit of hitting the snooze button. When I used the Rule for the very first time seven years ago, I thought it was silly. Little did I know that I had invented a powerful metacognition technique that would change absolutely everything about my life, work, and sense of self. What’s happened to me since discovering the 5 Second Rule and the power of five second decisions is unbelievable. I not only woke up—I shook up my entire life. I’ve used this one tool to take control and improve everything from my confidence to my cash flow, my marriage to my career, and my productivity to my parenting. I have gone from bouncing checks to seven figures in the bank and from fighting with my husband to celebrating 20 years of marriage. I’ve cured myself of anxiety, built and sold two small businesses, been recruited to join the teams at CNN and SUCCESS magazine, and I’m now one of the most-booked speakers in the world. I’ve never felt more in control, happy, or free. I couldn’t have done any of it without the Rule. The 5 Second Rule changed everything … by teaching me just one thing: HOW to change. Using the Rule, I replaced my tendency to overthink the smallest moves with a bias toward action. I used the Rule to master self-monitoring and become more present and productive. The Rule taught me how to stop doubting and start believing in myself, my ideas, and my abilities. And, the Rule has given me the inner strength to become a better and much happier person, not for others, but for me. The Rule can do the same for you. That’s why I am so excited to share it with you. In the next few chapters, you’ll learn the story behind the Rule, what it is, whyit works, and the compelling science to back it up. You’ll discover how five second decisions and acts of everyday courage change your life. Finally, you’ll learn how you can use the #5SecondRule in combination with the latest research-backed strategies to become healthier, happier, and more productive and effective at work. You’ll also learn how to use it to end worry, manage anxiety, find meaning in your life and beat any fear. And, that’s not all. You’ll see proof. Lots of proof. This book is packed with social media posts and first-hand accounts from people all over the world who are using the Rule to make some amazing things happen. Yes, the Rule will help you wake up on time, but what it really does is something far more remarkable—it wakes up the inner genius, leader, rock star, athlete, artist, and change agent inside of you. When you first learn the Rule, you’ll likely start using it to stick to your goals. You might use the Rule to push yourself to get to the gym like Margaret does when she isn’t “feeling it.”

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The Daily Stoic: 366 Meditations on Wisdom, Perseverance, and the Art of Living

406 Pages·2017·2.6 MB

ALSO BY RYAN HOLIDAY Growth Hacker Marketing: A Primer on the Future of PR, Marketing, and Advertising Trust Me, I’m Lying: Confessions of a Media Manipulator The Obstacle Is the Way: The Timeless Art of Turning Trials into Triumph Ego Is the EnemyAn imprint of Penguin Random House LLC 375 Hudson Street New York, New York 10014 Copyright © 2016 by Ryan Holiday and Stephen Hanselman Penguin supports copyright. Copyright fuels creativity, encourages diverse voices, promotes free speech, and creates a vibrant culture. Thank you for buying an authorized edition of this book and for complying with copyright laws by not reproducing, scanning, or distributing any part of it in any form without permission. You are supporting writers and allowing Penguin to continue to publish books for every reader. Translations by Stephen Hanselman LIBRARY OF CONGRESS CATALOGING-IN-PUBLICATION DATA Names: Holiday, Ryan, author. Hanselman, Stephen, author. Title: The daily stoic : 366 meditations on wisdom, perseverance, and the art of living / Ryan Holiday and Stephen Hanselman. Description: New York : Portfolio, 2016. Identifiers: LCCN 2016030358 | ISBN 9780735211735 (hardcover) | ISBN 9780735211742 (e-book) Subjects: LCSH: Stoics. Classification: LCC B528 .H65 2016 | DDC 188—dc23 LC record available at https://lccn.loc.gov/2016030358 While the author has made every effort to provide accurate telephone numbers, Internet addresses, and other contact information at the time of publication, neither the publisher nor the author assumes any responsibility for errors or for changes that occur after publication. Further, the publisher does not have any control over and does not assume any responsibility for author or third-party Web sites or their content. Version_1From Stephen to my beloved Julia, who helped me find joy.“Of all people only those are at leisure who make time for philosophy, only they truly live. Not satisfied to merely keep good watch over their own days, they annex every age to their own. All the harvest of the past is added to their store. Only an ingrate would fail to see that these great architects of venerable thoughts were born for us and have designed a way of life for us.” —SENECACONTENTS ALSO BY RYAN HOLIDAY TITLE PAGE COPYRIGHT DEDICATION EPIGRAPH INTRODUCTION PART I: THE DISCIPLINE OF PERCEPTION JANUARY: CLARITY FEBRUARY: PASSIONS AND EMOTIONS MARCH: AWARENESS APRIL: UNBIASED THOUGHT PART II: THE DISCIPLINE OF ACTION MAY: RIGHT ACTION JUNE: PROBLEM SOLVING JULY: DUTY AUGUST: PRAGMATISM PART III: THE DISCIPLINE OF WILL SEPTEMBER: FORTITUDE AND RESILIENCE OCTOBER: VIRTUE AND KINDNESS NOVEMBER: ACCEPTANCE / AMOR FATI DECEMBER: MEDITATION ON MORTALITY STAYING STOIC A MODEL OF LATE STOIC PRACTICE AND GLOSSARY OF KEY TERMS AND PASSAGESA WORD ON THE TRANSLATIONS, REFERENCES, AND SOURCES SUGGESTIONS FOR FURTHER READINGINTRODUCTION T he private diaries of one of Rome’s greatest emperors, the personal letters of one of Rome’s best playwrights and wisest power brokers, the lectures of a former slave and exile, turned influential teacher. Against all odds and the passing of some two millennia, these incredible documents survive. What do they say? Could these ancient and obscure pages really contain anything relevant to modern life? The answer, it turns out, is yes. They contain some of the greatest wisdom in the history of the world. Together these documents constitute the bedrock of what is known as Stoicism, an ancient philosophy that was once one of the most popular civic disciplines in the West, practiced by the rich and the impoverished, the powerful and the struggling alike in the pursuit of the Good Life. But over the centuries, knowledge of this way of thinking, once essential to so many, slowly faded from view. Except to the most avid seekers of wisdom, Stoicism is either unknown or misunderstood. Indeed, it would be hard to find a word dealt a greater injustice at the hands of the English language than “Stoic.” To the average person, this vibrant, action-oriented, and paradigm-shifting way of living has become shorthand for “emotionlessness.” Given the fact that the mere mention of philosophy makes most nervous or bored, “Stoic philosophy” on the surface sounds like the last thing anyone would want to learn about, let alone urgently need in the course of daily life. What a sad fate for a philosophy that even one of its occasional critics, Arthur Schopenhauer, would describe as “the highest point to which man can attain by the mere use of his faculty of reason.” Our goal with this book is to restore Stoicism to its rightful place as a tool in the pursuit of self- mastery, perseverance, and wisdom: something one uses to live a great life, rather than some esoteric field of academic inquiry. Certainly, many of history’s great minds not only understood Stoicism for what it truly is, they sought it out: George Washington, Walt Whitman, Frederick the Great, Eugène Delacroix, Adam Smith, Immanuel Kant, Thomas Jefferson, Matthew Arnold, Ambrose Bierce, Theodore Roosevelt, William Alexander Percy, Ralph Waldo Emerson. Each read, studied, quoted, or admired the Stoics. The ancient Stoics themselves were no slouches. The names you encounter in this book—Marcus Aurelius, Epictetus, Seneca—belonged to, respectively, a Roman emperor, a former slave who triumphed to become an influential lecturer and friend of the emperor Hadrian, and a famous playwright and political adviser. There were Stoics like Cato the Younger, who was an admired politician; Zeno was a prosperous merchant (as several Stoics were); Cleanthes was a former boxer and worked as a water carrier to put himself through school; Chrysippus, whose writings are now completely lost but tallied more than seven hundred books, trained as a long-distance runner; Posidonius served as an ambassador; Musonius Rufus was a teacher; and many others.Today (especially since the recent publication of The Obstacle Is the Way), Stoicism has found a new and diverse audience, ranging from the coaching staffs of the New England Patriots and Seattle Seahawks to rapper LL Cool J and broadcaster Michele Tafoya as well as many professional athletes, CEOs, hedge fund managers, artists, executives, and public men and women. What have all these great men and women found within Stoicism that others missed? A great deal. While academics often see Stoicism as an antiquated methodology of minor interest, it has been the doers of the world who found that it provides much needed strength and stamina for their challenging lives. When journalist and Civil War veteran Ambrose Bierce advised a young writer that studying the Stoics would teach him “how to be a worthy guest at the table of the gods,” or when the painter Eugène Delacroix (famous for his painting Liberty Leading the People) called Stoicism his “consoling religion,” they were speaking from experience. So was the brave abolitionist and colonel Thomas Wentworth Higginson, who led the first all-black regiment in the U.S. Civil War and produced one of the more memorable translations of Epictetus. The Southern planter and writer William Alexander Percy, who led the rescue efforts in the Great Flood of 1927, had a unique reference point when he said of Stoicism that “when all is lost, it stands fast.” As would the author and angel investor Tim Ferriss, when he referred to Stoicism as the ideal “personal operating system” (other high-powered executives like Jonathan Newhouse, CEO of Condé Nast International, have agreed). But it’s for the field of battle that Stoicism seems to have been particularly well designed. In 1965, as Captain James Stockdale (future Medal of Honor recipient) parachuted from his shot-up plane over Vietnam into what would ultimately be a half decade of torture and imprisonment, whose name was on his lips? Epictetus. Just as Frederick the Great reportedly rode into battle with the works of the Stoics in his saddlebags, so too did marine and NATO commander General James “Mad Dog” Mattis, who carried the Meditations of Marcus Aurelius with him on deployments in the Persian Gulf, Afghanistan, and Iraq. Again, these weren’t professors but practitioners, and as a practical philosophy they found Stoicism perfectly suited to their purposes. FROM GREECE TO ROME TO TODAY Stoicism was a school of philosophy founded in Athens by Zeno of Citium in the early third century BC. Its name is derived from the Greek stoa, meaning porch, because that’s where Zeno first taught his students. The philosophy asserts that virtue (meaning, chiefly, the four cardinal virtues of self-control, courage, justice, and wisdom) is happiness, and it is our perceptions of things—rather than the things themselves— that cause most of our trouble. Stoicism teaches that we can’t control or rely on anything outside what Epictetus called our “reasoned choice”—our ability to use our reason to choose how we categorize, respond, and reorient ourselves to external events. Early Stoicism was much closer to a comprehensive philosophy like other ancient schools whose names might be vaguely familiar: Epicureanism, Cynicism, Platonism, Skepticism. Proponents spoke of diverse topics, including physics, logic, cosmology, and many others. One of the analogies favored by the Stoics to describe their philosophy was that of a fertile field. Logic was the protective fence, physics was the field, and the crop that all this produced was ethics—or how to live. As Stoicism progressed, however, it focused primarily on two of these topics—logic and ethics. Making its way from Greece to Rome, Stoicism became much more practical to fit the active, pragmatic lives of the industrious Romans. As Marcus Aurelius would later observe, “I was blessed when I set my heart on philosophy that I didn’t fall into the sophist’s trap, nor remove myself to the writer’s desk, or chop logic, or busy myself with studying the heavens.”

Business & Career

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How to Write a Business Plan

290 Pages·2010·3.02 MB

® “ An essential book to help entrepreneurs.” N O L O DALLAS MORNING NEWS 10TH EDITION A MM LL OO How to Write a LL FFOORRMMS ON CC DD--RR Business Plan • Write a winning proposal • Prepare cash fl ow and profi t & loss forecasts • Get backers to invest THE LEADING BUSINESS PLAN BOOK FOR 25 YEARS Mike McKeever Free Legal Updates at Nolo.comTh e Story Cofod ma m E Dear friends, Founded in 1971, and based in an old clock factory in Berkeley, California, Nolo has always strived to off er clear legal information and solutions. Today we are proud to off er a full range of plain-English law books, legal forms, software and an award-winning website. Everything we publish is relentlessly researched and tested by a dedicated group of in-house legal editors, who together have more than 150 years’ experience. And when legal changes occur after publication, we promptly post free updates at Nolo.com. Tens of millions of Americans have looked to Nolo to help solve their legal and business problems. We work every day to be worthy of this trust. Ralph Warner Nolo co-founderProducts & Services Books & Software Get in-depth information. Nolo publishes hundreds of great books and software programs for consumers and business owners. Th ey’re all available in print or as downloads at Nolo.com. Legal Encyclopedia Free at Nolo.com. Here are more than 1,400 free articles and answers to common questions about everyday legal issues including wills, bankruptcy, small business formation, divorce, patents, employment and much more. Plain-English Legal Dictionary Free at Nolo.com. Stumped by jargon? Look it up in America’s most up-to-date source for defi nitions of legal terms. Online Legal Documents Create documents at your computer. Go online to make a will or living trust, form an LLC or corporation or obtain a trademark or provisional patent at Nolo.com. For simpler matters, download one of our hundreds of high-quality legal forms, including bills of sale, promissory notes, nondisclosure agreements and many more. Lawyer Directory Find an attorney at Nolo.com. Nolo’s unique lawyer directory provides in-depth profi les of lawyers all over America. From fees and experience to legal philosophy, education and special expertise, you’ll fi nd all the information you need to pick a lawyer who’s a good fi t. Free Legal Updates Keep up to date. Check for free updates at Nolo.com. Under “Products,” fi nd this book and click “Legal Updates.” You can also sign up for our free e-newsletters at Nolo.com/newsletters/index.html.Th e Trusted Name (but don’t take our word for it) “ In Nolo you can trust.” THE NEW YORK TIMES “ Nolo is always there in a jam as the nation’s premier publisher of do-it-yourself legal books.” NEWSWEEK “ Nolo publications…guide people simply through the how, when, where and why of the law.” THE WASHINGTON POST “ [Nolo’s]…material is developed by experienced attorneys who have a knack for making complicated material accessible.” LIBRARY JOURNAL “ When it comes to self-help legal stuff , nobody does a better job than Nolo…” USA TODAY “ Th e most prominent U.S. publisher of self-help legal aids.” TIME MAGAZINE “ Nolo is a pioneer in both consumer and business self-help books and software.” LOS ANGELES TIMES10th edition How to Write a Business Plan by Mike McKeeverTENTH EDITION JANUARY 2011 Editor RICHARD STIM Cover Design SUSAN PUTNEY Production MARGARET LIVINGSTON Proofreading CATHY CAPUTO CD-ROM Preparation ELLEN BITTER Index MEDEA MINNICH Printing DELTA PRINTING SOLUTIONS, INC. McKeever, Mike P. How to write a business plan / by Mike McKeever. -- 10th ed. p. cm. Includes index. Summary: “Contains the detailed forms and step-by-step instructions needed to prepare a well-thought-out, well- organized business plan. Th e 10th edition has been completely updated with the laws, banking regulations, and resources”--Provided by publisher. ISBN-13: 978-1-4133-1280-5 (pbk.) ISBN-10: 1-4133-1280-2 (pbk.) ISBN-13: 978-1-4133-1297-3 (e-book) ISBN-10: 1-4133-1297-7 (e-book) 1. Business planning. 2. New business enterprises--Planning. 3. New business enterprises--Finance. 4. Small business--Planning. 5. Small business--Finance. I. Title. HD30.28.M3839 2010 658.15’224--dc22 2010021162 Copyright © 1984, 1986, 1988, 1992, 1999, 2002, 2004, 2007, 2008, and 2010 by Mike McKeever. All rights reserved. Th e NOLO trademark is registered in the U.S. Patent and Trademark Offi ce. Printed in the U.S.A. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise without prior written permission. Reproduction prohibitions do not apply to the forms contained in this product when reproduced for personal use. For information on bulk purchases or corporate premium sales, please contact the Special Sales Department. Call 800-955-4775 or write to Nolo, 950 Parker Street, Berkeley, California 94710. Please note We believe accurate, plain-English legal information should help you solve many of your own legal problems. But this text is not a substitute for personalized advice from a knowledgeable lawyer. If you want the help of a trained professional—and we’ll always point out situations in which we think that’s a good idea—consult an attorney licensed to practice in your state.Dedication This book is dedicated to the memory of my late grandmother, Elizabeth Eudora Woodall Darby, whose influence I acknowledged only recently. Acknowledgments After more than a decade of working with many people, I am amazed at the uniform spirit of goodwill and cooperation. My first editor, Ralph “Jake” Warner, showed patience working with a first-time author. My second editor, Lisa Goldoftas, challenged the grammar while gracefully deferring to my knowledge about the subject. Also at Nolo: Steve Elias designed many charts; Adam Stanhope educated me about computers; Mark Stuhr tuned sections on computer- related material; Stephanie Harolde worked her word processing wonders on the manuscript; Terri Hearsh designed the book; Eddie Warner gave helpful suggestions on online information; and many more folks at Nolo improved the book greatly. A special thanks to a number of generous individuals, each of whom knows a great deal about starting and operating a small business. Peg Moran, Terri Hearsh, Roger Pritchard, Jason Wallach, Harry Keller, Dan Peters, Sharyn Simmons, Larry Healy, and finally, Hugh Codding and Leroy Knibb of Codding Investments. For these and all my readers, clients, and students who have shared their hopes, dreams, and problems with me over the years, thank you for your help. The best parts are yours—all the mistakes are mine. Many of your stories and suggestions appear here in disguised form. I hope all the readers will profit from your wisdom and generosity. Mike P. McKeever Santa Rosa, CaliforniaAbout the Author Mike P. McKeever’s education, work experience, business ownership, writing, and teaching careers give him a broad and unique perspective on business planning. He has a BA in Economics from Whittier College and a Master’s in Economics from the London (England) School of Economics, and has done postgraduate work in financial analysis at the USC Business School. Mike has taught classes at numerous community colleges in entrepreneurship and small business management. He has published articles on entrepreneurship for Dow Jones publications, the Sloan Publications Business Journal, and numerous newspapers and periodicals. Mike has successfully purchased, expanded, and sold a number of businesses, including a manufacturing company, tune-up shop, gas station, retail store, and commercial building. He has worked for a variety of companies ranging from small groceries to multimillion-dollar manufacturers. As an independent business broker, he assessed the strengths and weaknesses of hundreds of companies. As senior financial analyst for a Fortune 500 company, he wrote and analyzed nearly 500 business plans. Currently, Mike enjoys email correspondence with a few readers relating to business plan issues. He also acts as consulting controller and financial advisor to an online retail business. You can contact him at [email protected]Downloading Forms and Other Materials The printed version of this book comes with a CD-ROM that contains legal forms and other material. You can download that material by going to www.nolo.com/back-of-book/sbs.html. You’ll get editable versions of the forms, which you can fill in or modify and then print.Table of Contents Your Legal Companion ..................................................................................................................1 1 Benefits of Writing a Business Plan ..................................................................................5 What Is a Business Plan? ...................................................................................................................6 Why Write a Business Plan? ............................................................................................................6 Issues Beyond the Plan ......................................................................................................................8 2 Do You Really Want to Own a Business? ..................................................................11 Introduction ..........................................................................................................................................12 Self-Evaluation Exercises .................................................................................................................13 How to Use the Self-Evaluation Lists .......................................................................................17 Reality Check: Banker’s Analysis .................................................................................................17 3 Choosing the Right Business ..................................................................................................21 Introduction ..........................................................................................................................................22 Know Your Business ..........................................................................................................................22 Be Sure You Like Your Business ..................................................................................................24 Describe Your Business ...................................................................................................................24 Taste, Trends, and Technology: How Will the Future Affect Your Business? ........30 Break-Even Analysis: Will Your Business Make Money? ................................................34 What You Have Accomplished ...................................................................................................47 4 Potential Sources of Money to Start or Expand Your Small Business ...................................................................................................49 Introduction ..........................................................................................................................................51 Ways to Raise Money .......................................................................................................................51

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Time Management Skills

70 Pages·2006·1.8 MB

Handbook on Time Management SkillsPurpose of this Handbook The Handbooks Soft Skills developed by Centre for Good Governance are intended primarily for personnel in public administration. They offer an overview of some of the principal skills that are essential for effective performance. They draw heavily upon existing literature and current practices in public and private organizations around the world and include numerous references and links to useful web resources. They are not comprehensive ‘guides’ or ‘how to’ booklets. Rather, they incorporate the perspectives of experts in the specific domains whose knowledge, insights, advice and experiences prove handy in honing skills essential for strengthening the capacity for effectiveness of public service at all levels of government. This handbook, Time Management Skills, focuses on how the personnel in the public administration can develop approaches and strategies that will enable them to effectively deal with time management problems in a variety of contexts.Page TABLE OF CONTENTS No 1. Introduction - Understanding Time Management 1 2. Misconceptions of Time 2 3. Symptoms of Poor Time Management 3 4. The Eleven Time Thieves 4 5. Saboteur Time Styles 7 6. Monochronic and Polychronic Views of Time 10 7. The ‘Five Time Zone’ Concept 13 8. Time Management Matrix 15 9. Elements of Effective Time Management 19 10. Getting Oriented to Manage Time 41 11. Overcoming Barriers to Effective Time Management 43Handbook on Time Management Skills 1 Introduction Understanding Time Management “We all have time to either spend or waste and it is our decision what to do with it. But once passed, it is gone forever.” - Bruce Lee (“Zen in the Martial Arts” by Joe Hyams) Every individual on earth has the same amount of time - 60 seconds in a minute; 60 minutes in an hour; 1,440 minutes in a day; and 525,600 minutes in a year. While a vast majority of people confesses faltering to come to grips with it, extremely few can claim to have made the most of it. How is it that they have got it all done? It’s because they have managed a way to figure out how to manage their time effectively. Time Management is more than just managing time. It is about controlling the use of the most valuable - and undervalued - resource. It is managing oneself in relation to time. It is setting priorities and taking charge of the situation and time utilization. It means changing those habits or activities that cause waste of time. It is being willing to adopt habits and methods to make maximum use of time. With good time management skills one is in control of one’s time, stress and energy levels. One can maintain balance between one’s work and personal life. One finds enough flexibility to respond to surprises or new opportunities. It is not how much time one has, but rather the way one uses it. The bottom line is how well one manages time. Internationally known authority on time management Dr. Alec Mackenzie in his book The Time Trap argues that the very idea of time management is a misnomer because one really cannot manage time in the way other resources can be managed: financial capital, physical capital, human capital, information and time. While each of the first four can be augmented, reduced, transferred or otherwise controlled, Time cannot be manipulated. Dr. Mackenzie contends that when it comes to time, one can only manage oneself in relation to it. One cannot control time as one can control other resources – one can only control how one uses it. In the world in which we live, time cannot be replaced or re-created. It is therefore not for us to choose whether we spend or save time but to choose only how we spend it. 1Soft Skills for Public Managers 2 Misconceptions about Time There are several misconceptions which we all have about time. They affect everyone including those persons who may be considered quite successful and effective. Here are some of the misconceptions identified by Dr. Mackenzie: · Time management is simple - all it requires is common sense. While it is true that the concept is simple, the self-discipline required to practice effective time management is not easy. · Work is best performed under pressure. Psychological studies show this to be no more than an excuse for procrastination. One does not work well under pressure - only does the best one can under the circumstances. Pressure and challenge must not be confused. Lara’s performance when the West Indies Team is in trouble has more to do with application and determination rather than pressure. · I use a diary, a to-do list and have a secretary to keep me organized. One has to keep oneself organized - no one can do it for others. The trouble with the disorganized person is that he hardly has time to listen to his secretary or look at his diary. · I do not have the time. The effective worker or manager often gets more work done in the earlier hours of the morning than most laggards get done in the whole day. He then no longer has to work against tight deadlines and under stress which contributes to heart problems and not unusually the ultimate reduction of time on this earth. · Time management might be good for some kinds of work but my job is creative. Time management is not about routine: it is about self-discipline. Lack of discipline prevents one from being great instead of simply good. · Time management takes away the fun and freedom of spontaneity. Is working under stress, forgetting appointments, making constant excuses and apologies to be fun? Would it not be much more fun if by better organization one had one or two more hours every day to spend with the family, to play games, read a good book, plan for tomorrow and the day and week after or just relax? 2

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Effective Time Management Strategies

101 Pages·2011·0.67 MB

Effective Time Management Strategies 1Effective Time Management Strategies From Lavender Coaching Effective Time Management Strategies Copyright 2011 www.lavendercoaching.com 2Effective Time Management Strategies Table of Contents Introduction ............................................................ 5 Chapter 1. The Secret of Getting More Time ......... 7 Your Worth .................................................... 21 Chapter 2 Time Estimation .................................. 25 Chapter 3 Plan Your Time ................................... 29 The Three Faces of Time .............................. 30 Get OUT! ....................................................... 32 Your Time Budget .......................................... 34 Following Your Plan ....................................... 36 How To Protect Your Plan ............................. 39 Chapter 4 Take Control of Your Time ................. 44 Prioritizing Tasks ........................................... 44 The Measures of Task Value ......................... 47 Prioritizing Interruptions ................................. 48 Minimizing Interruptions ................................. 51 Identifying Time Stealers and Arresting Them ...................................................................... 58 The Breakup .................................................. 66 Meetings ........................................................ 68 Multitasking .................................................... 70 Limit Incoming Attacks ................................... 71 Establish Rules for Your Time ....................... 71 3Effective Time Management Strategies Chapter 5 The Cleanest Dirty Word - Organization ............................................................................. 73 Workspace ..................................................... 73 Process Organization .................................... 74 Chapter 6 To Be Or Not To Be – Making Decisions ............................................................................. 76 Decision Making Techniques ......................... 77 Chapter 7 Talk… Talk… Talk ............................ 82 Communication Blunders............................... 82 Communicating More Effectively ................... 83 Chapter 8 Delegation and Outsourcing ............... 87 Delegating ..................................................... 87 Outsourcing ................................................... 91 Chapter 9 Time Saving Tools .............................. 93 Personal Digital Assistant ( PDA ) ................. 93 Online Project Boards .................................... 94 RSS Feeds .................................................... 95 Scanning and Shredding ............................... 96 Conclusion ........................................................... 97 4Effective Time Management Strategies Introduction There are so many distractions in today’s world of business technology that few people manage their time effectively. Cell phones, PDA’s, email, RSS News feeds, the Internet, online meetings, software updates, the telephone, conference calling, and online bill pay, all created to make our work more productive, can make time much less manageable if not used wisely . As people try to get more activities crammed into their lives and more business accomplished, scheduling, managing, and prioritizing tasks has become even more critical. There is a broad difference between quantity and quality when it comes to managing the use of our time. Few SME owners spend a fraction of their time managing their own time compared to watching the activity of employee’s time. Imagine the feeling at the end of the day, knowing you accomplished everything you set out to do and made the best use of your time. 5Effective Time Management Strategies Imagine having a plan for each day, that actually worked! This book will give you the strategies and tools you need to get the fulfillment you should be receiving from each day. 6Effective Time Management Strategies Chapter 1. The Secret of Getting More Time Everyday people are heard saying I wish I had more time. They run through from task to task and event to event at light speed, trying to find ways to do and accomplish more. Some people seem to accomplish far more than others in their day, week, and lifetime. Benjamin Franklin was a successful author, politician, scientist, philosopher, printer, inventor, activist, and diplomat. His accomplishments are astounding. He was a scientist known for his theories and discoveries and gained the recognition of fellow scientists and intellectuals. He was a political writer and activist, and served as a diplomat during the American Revolution. He was a newspaper editor, self published author. PostMaster General, and started the first American library. His credits go on and on. Benjamin Franklin is even credited for the statement; ‘Time is money.’ How did he find the time? 7Effective Time Management Strategies The good news is there is no more time! How can that be good news? In this respect, the playing field is level. • Everyone gets the same twenty-four hours in a day. • Your competition has no more hours in a day than you. • The richest man cannot buy even one more minute of time in a day! • You can only manage yourself and activities more effectively. In a typical forty-hour workweek, it’s estimated that the average person spends: 1.7 hours looking for things 1.0 hour rescheduling appointments and tasks 1.4 hours wasted because of rescheduled appointments and tasks 2.2 hours wasted because of disorganization and lack of priority 8Effective Time Management Strategies This is a total of more than 6 hours wasted due to poor planning and a lack of organization. When people are asked why they are not organized, the number one reason given is: ‘I don’t have the time.’ The fact is, people choose to be disorganized. Most people could save this wasted time by spending just two hours a week organizing and planning. In just two hours of planning, you could free an additional three to four hours every week of prime time. Effective Time Management is about behavioral change. Learning how to spend more time acting instead of reacting. The skills described herein will help you become better organized and manage time more effectively, which will increase productivity, but only if you adapt the behavioral changes as outlined throughout this book. The fact that most organizations do not have a time management program in place suggests that they do not feel that this is an issue that needs to be addressed. However, nothing affects the ability of a 9Effective Time Management Strategies company to function and be productive more than the ability of its employees to use organizational skills in order to save time during the business day. Companies must take action in order to encourage their employees to become more skilled in organization and time management. Even if you are an extremely organized person, all of your efforts will be wasted if your employees are not picking up where you leave off. There are several things you can do as an owner or manager to encourage your employees to become more efficient managers of time. First, think of your employees’ time as an asset. It is a tangible asset that is worth a great deal of money and must be dealt with accordingly. Your job is to mange this incredibly valuable asset. You cannot assume that your employees know how to regulate their use of time on their own. As a business owner or manager, it is your job to use the 40 hours per week an employee gives you in the most efficient manner possible. Next, when you are hiring new employees, make sure to evaluate their time management skills. This is particularly important when the job position being 10

Time Management

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Time Management - American Management Association

Brian Tracy·138 Pages·2016·4.2 MB

TIME MANAGEMENT American Management Association / www.amanet.orgAmerican Management Association / www.amanet.orgTIME MANAGEMENT BRIAN TRACY AMERICAN MANAGEMENT ASSOCIATION . . . . New York Atlanta Brussels Chicago Mexico City . . . . San Francisco Shanghai Tokyo Toronto Washington,D.C. American Management Association / www.amanet.orgBulk discounts available. For details visit: www.amacombooks.org/go/specialsales Or contact special sales: Phone: 800-250-5308 / E-mail: [email protected] View all the AMACOM titles at: www.amacombooks.org This publication is designed to provide accurate and authoritative information in regard to the subject matter covered. It is sold with the understanding that the publisher is not engaged in rendering legal, accounting, or other professional service. If legal advice or other expert assistance is required, the services of a com- petent professional person should be sought. Library of Congress Cataloging-in-Publication Data Tracy, Brian. Time management / Brian Tracy. pages cm Includes index. ISBN-13: 978-0-8144-3343-0 ISBN-10: 0-8144-3343-X 1. Time management. I. Title. HD69.T54T727 2014 650.1'1—dc23 2013037775 © 2013 Brian Tracy All rights reserved. Printed in the United States of America. This publication may not be reproduced, stored in a retrieval system, or transmitted in whole or in part, in any form or by any means, electronic, mechanical, photocopy- ing, recording, or otherwise, without the prior written permission of AMACOM, a division of American Management Association, 1601 Broadway, New York, NY 10019. About AMA American Management Association (www.amanet.org) is a world leader in talent development, advancing the skills of individuals to drive business success. Our mission is to support the goals of individuals and organizations through a complete range of products and services, including classroom and virtual seminars, webcasts, webinars, podcasts, conferences, corporate and government solutions, business books, and research. AMA’s approach to improving performance com- bines experiential learning—learning through doing—with opportunities for ongo- ing professional growth at every step of one’s career journey. Printing number 10 9 8 7 6 5 4 3 2 1 American Management Association / www.amanet.orgC O N T E N T S Introduction 1 1 The Psychology of Time Management 4 2 Determine Your Values 10 3 Think About Your Vision and Mission 15 4 Project Forward, Look Backward 20 5 Make Written Plans 25 6 Chart Your Projects 29 7 Create Your Daily “To-Do” List 34 8 Set Clear Priorities 40 9 Stay on Track 47 10 Determine Your Key Result Areas 53 American Management Association / www.amanet.org11 Delegate to Others 59 12 Concentrate Single-Mindedly 62 13 Overcome Procrastination 67 14 Create Blocks of Time 71 15 Control Interruptions 75 16 Batch Your Tasks 78 17 Manage the Telephone 81 18 Conduct Effective Meetings 85 19 Read Faster, Remember More 89 20 Invest in Personal Development 93 21 Organize Your Work Space 96 Conclusion 98 Index 101 About the Author 105 Free Sample Chapter from Success Under Stress 107 American Management Association / www.amanet.orgIntroduction YOUR ABILITY TOmanage your time, as much as any other practice in your career as an executive, will determine your success or failure. Time is the one indispensable and irre- placeable resource of accomplishment. It is your most pre- cious asset. It cannot be saved, nor can it be recovered once lost. Everything you have to do requires time, and the better you use your time, the more you will accomplish, and the greater will be your rewards. Time management is essential for maximum health and personal effectiveness. The degree to which you feel in con- trol of your time and your life is a major determinant of your level of inner peace, harmony, and mental well-being. A feel- ing of being “out of control” of your time is the major source of stress, anxiety, and depression. The better you can organize American Management Association / www.amanet.org2 TIME MANAGEMENT and control the critical events of your life, the better you will feel, moment to moment, the more energy you will have, the better you will sleep, and the more you will get done. It is possible for you to gain two productive hours each working day, or even double your output and your produc- tivity, by using the ideas and methods taught in this book. These techniques have proven successful for many thou- sands of executives in every field of endeavor, and they will prove successful for you, too, as long as you have what I call the four Ds. The Four Ds of Effectiveness The first D is desire: You must have an intense, burning desire to get your time under control and to achieve maxi- mum effectiveness. The second D is decisiveness: You must make a clear deci- sion that you are going to practice good time management techniques until they become a habit. The third D stands for determination: You must be willing to persist in the face of all temptations to the contrary until you have become an effective time manager. Your desire will reinforce your determination. And finally, the most important key to success in life, the fourth D, is discipline: You must discipline yourself to make time management a lifelong practice. Effective discipline is the willingness to force yourself to pay the price, and to do what you know you should do, when you should do it, whether you feel like it or not. This is critical for success. American Management Association / www.amanet.orgINTRODUCTION 3 The payoff for becoming an excellent time manager is huge. It is the outwardly identifiable quality of a high per- former vs. a low performer. All winners in life use their time well. All poor performers in life use their time poorly. One of the most important rules for success is simply to “form good habits and make them your masters.” In this book, you will learn how to form good habits and then let them form you. What you will learn in this book are the twenty-one most important solutions to effective time management that almost all highly productive people have discovered and incorporated into their lives. Remember that time management is really life manage- ment. Good time management and personal productivity begins by valuing your life, and every minute of that life. Do What You Can, with What You Have, Right Where You Are You should say to yourself, “My life is precious and impor- tant, and I value every single minute and hour of it. I am going to use those hours properly so that I accomplish the most I can, in the time that I have.” The good news is that time management is a business skill, and all business skills are learnable. Time management is like riding a bicycle, typing on a keyboard, or playing a sport. It is made up of a series of methods, strategies, and techniques. It is a skill set that you can learn, practice, and master with determination and repetition. American Management Association / www.amanet.org

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Foreign Exchange and Money Markets

Steiner, Bob.·344 Pages·2007·1.86 MB

Foreign Exchange and Money MarketsButterworth-Heinemann – The Securities Institute A publishing partnership About The Securities Institute Formed in 1992 with the support of the Bank of England, the LondonStockExchange,theFinancialServicesAuthority,LIFFEand other leading financial organizations, the Securities Institute is the professional body for practitioners working in securities, investment management, corporate finance, derivatives and related businesses. Their purpose is to set and maintain professional standards through membership, qualifications, training and continuing learning and publications.TheInstitutepromotesexcellenceinmattersofintegrity, ethics and competence. About the series Butterworth-Heinemann is pleased to be the official Publishing Partner of the Securities Institute with the development of profes- sionallevelbooksfor:Brokers/Traders;Actuaries;Consultants;Asset Managers; Regulators; Central Bankers; Treasury Officials; Compli- ance Officers; Legal Departments; Corporate Treasurers; Operations Managers; Portfolio Managers; Investment Bankers; Hedge Fund Managers; Investment Managers; Analysts and Internal Auditors, intheareasof:PortfolioManagement;AdvancedInvestmentManage- ment; Investment Management Models; Financial Analysis; Risk Analysis and Management; Capital Markets; Bonds; Gilts; Swaps; Repos; Futures; Options; Foreign Exchange; Treasury Operations. Series titles • ProfessionalReferenceSeries The Bond and Money Markets: Strategy, Trading, Analysis • GlobalCapitalMarketsSeries The REPO Handbook The Gilt-Edged Market Foreign Exchange and Money Markets: theory, practice and risk management IPO and Equity Offerings For more information For more information on The Securities Institute please visit: www.securities-institute.org.uk and for details of all Butterworth-Heinemann Finance titles please visit: www.bh.com/financeForeign Exchange and Money Markets Theory, Practice and Risk Management Bob SteinerButterworth-Heinemann AnimprintofElsevierScienceLinacreHouse,JordanHill,OxfordOX28DP 225WildwoodAvenue,Woburn,MA01801-2041 AdivisionofReedEducationalandProfessionalPublishingLtd Firstpublished2002 Copyright©2002,BobSteiner.Allrightsreserved TherightofBobSteinertobeidentifiedastheauthorofthiswork hasbeenassertedinaccordancewiththeCopyright,Designsand PatentsAct1988 Nopartofthispublicationmaybereproducedinanymaterialform(including photocopyingorstoringinanymediumbyelectronicmeansandwhether ornottransientlyorincidentallytosomeotheruseofthispublication)without thewrittenpermissionofthecopyrightholderexceptinaccordancewiththe provisionsoftheCopyright,DesignsandPatentsAct1988orunderthetermsof alicenceissuedbytheCopyrightLicensingAgencyLtd,90TottenhamCourtRoad, London,EnglandW1T4LP.Applicationsforthecopyrightholder’swritten permissiontoreproduceanypartofthispublicationshouldbeaddressed tothepublisher British Library Cataloguing in Publication Data Steiner,Bob Foreignexchangeandmoneymarkets:theory,practiceand riskmanagement.–(Globalaidcapitalmarketseries) 1. Foreignexchange 2. Moneymarket I. Title 332.4’5 Library of Congress Cataloguing in Publication Data AcataloguerecordforthisbookisavailablefromtheLibraryofCongress ISBN0750650257 For information on all Butterworth-Heinemann finance publications visitourwebsiteatwww.bh.com/finance TypesetbyLaserwords,Chennai,India PrintedandboundinGreatBritainContents ABOUT THE AUTHOR xi NOTE FROM THE AUTHOR xiii Part 1 Introduction 1 1. SOME BASIC CONCEPTS 3 Currency codes 3 Hedging, speculation and arbitrage 3 Spot, forward, value dates and short dates 4 Some basic terminology 6 2. ESSENTIAL FINANCIAL ARITHMETIC 8 Percentages 8 Simple interest calculations 8 The different day/year conventions 9 Present value 13 Calculating the yield on an investment or the cost of a borrowing 14 Compounding two or more interest rates together (a strip) 16 Interpolation 17 Paying interest with different frequencies 18 Exercises 21 Part 2 Money Markets 23 3. OVERVIEW OF MONEY MARKET INSTRUMENTS 25 Introduction 25 The yield curve 26 Some more terminology 28 Money market instruments 31 4. DEPOSITS AND COUPON-BEARING INSTRUMENTS 36 Fixed deposits 36vi Contents Taking a position 37 The price of a CD 39 Money market yield of a bond in its last coupon period 43 Breaking a fixed deposit 44 CDs paying more than one coupon 46 Exercises 48 5. DISCOUNT INSTRUMENTS 50 Discount instruments 50 Discount/true yield 52 Bond-equivalent yields for US Treasury bills 56 Effective rates and Norwegian Treasury bills 57 Exercises 58 6. FORWARD INTEREST RATES, FRAs AND INTRODUCTION TO FUTURES 60 Overview 60 Pricing a forward-forward 61 Forward rate agreement (FRA) 63 Introduction to futures 68 Futures compared with FRAs 75 The yield curve 76 Applications of FRAs and futures 77 Exercises 89 Part 3 Foreign Exchange 91 7. SPOT FOREIGN EXCHANGE 93 Introduction 93 How spot rates are quoted 94 Position-keeping 99 Reciprocal rates 101 Cross-rate calculations 101 The market environment 105 Exercises 105 8. FORWARD OUTRIGHTS AND SWAPS 107 Forward outrights 107 Forward swaps 111 Short dates 123 Forward-forwards 127 Calculation summary 131 Cross-rate calculations 133 Non-deliverable forwards (NDFs) 136Contents vii Time options 138 Long-dated forwards 139 Synthetic agreements for forward exchange (SAFEs) 141 Summary of uses of forward FX instruments 144 Exercises 145 9. HEDGING SWAPS WITH DEPOSITS, FRAs AND FUTURES, COVERED INTEREST ARBITRAGE AND CREATING SYNTHETIC FRAs 149 Hedging FX forwards using borrowings and deposits 150 Hedging FX forward-forwards with FRAs or futures 155 Covered interest arbitrage 161 Creating an FRA in one currency from an FRA in another currency 168 Exercises 171 10. MANAGING THE SPOT RISK ON A FORWARD FX POSITION 173 Hedging a forward swap position 173 Measuring the spot risk on a forward outright position 179 Exercise 181 11. CURRENCY RELATIONSHIPS 182 Overview 182 Exchange rate regimes 183 European Monetary Union 185 Analysing currency movements 188 Part 4 Risk Management 193 12. BANK RISK MANAGEMENT 195 Overview 195 Market risk 195 Credit risk 201 Operational risk 207 Other risks 209 Value at risk (VaR) 211 Capital adequacy requirements 224 13. CORPORATE RISK MANAGEMENT 230 Analysis of risks 230 Establishing a policy 236 Forecasts, hedging decisions and targets 242 Currency exposure reporting 246viii Contents Evaluating the success of treasury management 248 Exercises 249 ANSWERS TO EXERCISES 251 APPENDIX A. A summary of money market day/year conventions 271 APPENDIX B. A summary of calculation procedures 273 APPENDIX C. SWIFT currency codes 284 GLOSSARY 291 INDEX 323To my wife Barbara, as always

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Successful Time Management for Dummies

386 Pages·2008·3.75 MB

Successful Time Management FOR DUMmIES ‰ by Dirk ZellerSuccessful Time Management FOR DUMmIES ‰ by Dirk ZellerSuccessful Time Management For Dummies® Published by Wiley Publishing, Inc. 111 River St. Hoboken, NJ 07030-5774 www.wiley.com Copyright © 2009 by Dirk Zeller Published by Wiley Publishing, Inc., Indianapolis, Indiana Published simultaneously in Canada No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning, or otherwise, except as permitted under Sections 107 or 108 of the 1976 United States Copyright Act, without either the prior written permission of the Publisher, or authorization through payment of the appropriate per-copy fee to the Copyright Clearance Center, 222 Rosewood Drive, Danvers, MA 01923, 978-750-8400, fax 978-646-8600. Requests to the Publisher for permission should be addressed to the Legal Department, Wiley Publishing, Inc., 10475 Crosspoint Blvd., Indianapolis, IN 46256, 317-572-3447, fax 317-572-4355, or online at http:// www.wiley.com/go/permissions. Trademarks: Wiley, the Wiley Publishing logo, For Dummies, the Dummies Man logo, A Reference for the Rest of Us!, The Dummies Way, Dummies Daily, The Fun and Easy Way, Dummies.com, Making Everything Easier, and related trade dress are trademarks or registered trademarks of John Wiley & Sons, Inc. and/ or its affi liates in the United States and other countries, and may not be used without written permission. All other trademarks are the property of their respective owners. Wiley Publishing, Inc., is not associated with any product or vendor mentioned in this book. LIMIT OF LIABILITY/DISCLAIMER OF WARRANTY: THE PUBLISHER AND THE AUTHOR MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO THE ACCURACY OR COMPLETENESS OF THE CONTENTS OF THIS WORK AND SPECIFICALLY DISCLAIM ALL WARRANTIES, INCLUDING WITH- OUT LIMITATION WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE. NO WARRANTY MAY BE CREATED OR EXTENDED BY SALES OR PROMOTIONAL MATERIALS. THE ADVICE AND STRATEGIES CONTAINED HEREIN MAY NOT BE SUITABLE FOR EVERY SITUATION. THIS WORK IS SOLD WITH THE UNDERSTANDING THAT THE PUBLISHER IS NOT ENGAGED IN RENDERING LEGAL, ACCOUNTING, OR OTHER PROFESSIONAL SERVICES. IF PROFESSIONAL ASSISTANCE IS REQUIRED, THE SERVICES OF A COMPETENT PROFESSIONAL PERSON SHOULD BE SOUGHT. NEITHER THE PUBLISHER NOR THE AUTHOR SHALL BE LIABLE FOR DAMAGES ARISING HEREFROM. THE FACT THAT AN ORGANIZA- TION OR WEBSITE IS REFERRED TO IN THIS WORK AS A CITATION AND/OR A POTENTIAL SOURCE OF FURTHER INFORMATION DOES NOT MEAN THAT THE AUTHOR OR THE PUBLISHER ENDORSES THE INFORMATION THE ORGANIZATION OR WEBSITE MAY PROVIDE OR RECOMMENDATIONS IT MAY MAKE. FURTHER, READERS SHOULD BE AWARE THAT INTERNET WEBSITES LISTED IN THIS WORK MAY HAVE CHANGED OR DISAPPEARED BETWEEN WHEN THIS WORK WAS WRITTEN AND WHEN IT IS READ. For general information on our other products and services, please contact our Customer Care Department within the U.S. at 800-762-2974, outside the U.S. at 317-572-3993, or fax 317-572-4002. For technical support, please visit www.wiley.com/techsupport. Wiley also publishes its books in a variety of electronic formats. Some content that appears in print may not be available in electronic books. Library of Congress Control Number: 2008938869 ISBN: 978-0-470-29034-7 Manufactured in the United States of America 10 9 8 7 6 5 4 3 2 1About the Author Dirk Zeller started his entrepreneurial business career almost 40 years ago through lemonade stands. He has been recognized as an effi cient time manager and top sales performer in every fi eld he’s entered, from profes- sional racquetball to business sales of advertising, marketing, and event sponsorship to consumer-direct sales fi elds such as real estate. His time management skills were legendary in the real estate fi eld, where he sold over 150 homes a year while working Monday through Thursday, taking Friday, Saturday, and Sunday off. Dirk has been teaching, coaching, and training success, sales, and time man- agement strategies to executives, managers, and salespeople since 1998, when he founded Sales Champions and Real Estate Champions. He is one of the most sought-after speakers in time management, peak performance, and sales. He has spoken on fi ve different continents to hundreds of thousands of people. Dirk is one of the world’s most published authors on success, time manage- ment, productivity, sales, and life balance. He is the author of fi ve top-selling books, including Telephone Sales For Dummies and Success as a Real Estate Agent For Dummies. He has more than 400 published articles to his credit, and over 350,000 people read his weekly newsletter. The time that’s most valuable to Dirk is the time enjoyed with his wife of 19 years, Joan, his 6-year-old son, Wesley, and his 3-year-old daughter, Annabelle. He and his family reside in Bend, Oregon. You can reach Dirk at Sales Champions 5 NW Hawthorne Ave., Suite 100 Bend, OR 97701 Phone 541-383-0505 E-mail [email protected] E-mail [email protected] Web site www.saleschampions.comDedication Nothing refl ects the passing of time more than growth and changes in our children. It seems like just yesterday that Joan and I received the call that changed our lives as we exited my 96-year-old grandmother’s funeral. The call was from our pastor’s wife, Linda Johnson. She said a baby boy had been born that morning in Hood River, Oregon, and asked if we wanted him. The next day, Joan and I walked out of the Hood River Memorial Hospital with our son, Wesley. In the last six years since that moment, the time has passed like a blink of an eye. We have added another blessing in Annabelle, who also has a divine and miraculous story. In those years, which seem like mere moments in time, it seems like seconds ago we got our fi rst smile, giggle, crawl, and walk out of each of them. We had joyous celebrating recently when we realized we had changed our last diaper for probably the next 20 years! I dedicate this book to my two precious time clocks of life, Annabelle and Wesley. The time with you two moves too quickly. I, as all parents, fi ght to stay in the moment, enjoy every moment, and relive those moments before they are gone. You two have taught me more about time’s value, joy, and its ever-marching-on characteristics than anyone else in my years on Earth. I love you both deeply and praise God for the honor he bestowed on me to be your dad. Author’s Acknowledgments I always have to thank my team at Sales Champions and Real Estate Champions. It is truly an honor to be surrounded by so many talented people. I must especially thank my Senior Management Team; Don Cunningham, the President of both companies; and Julie Porfi rio, Senior Vice President of Operations. You both have worked hard to insulate me so I could take on another For Dummies book. To Jody McBride, my Assistant, who labored over my handwritten words to type, organize, revise, and edit the whole manuscript — thanks. This book would not have existed without your fi ne work. To Tracy Boggier, my Acquisitions Editor at Wiley; Kristin DeMint, Project Editor; and Erin Calligan Mooney, Editorial Program Coordinator, who stepped in to help lend a hand. To Betsy Sheldon, who did another masterful job of taking my writing and morphing it into the wonderful For Dummies format. To my wife, Joan, my son, Wesley, and my daughter, Annabelle. Thank you for your patience and grace. There is a sacrifi ce of time that we all make when I am writing a book!Publisher’s Acknowledgments We’re proud of this book; please send us your comments through our Dummies online registration form located at www.dummies.com/register/. Some of the people who helped bring this book to market include the following: Acquisitions, Editorial, and Composition Services Media Development Project Coordinator: Katherine Key Ghostwriter: Betsy Sheldon Layout and Graphics: Reuben W. Davis, Project Editor: Kristin DeMint Nikki Gately, Sarah E. Philippart, Christine Williams Acquisitions Editor: Tracy Boggier Proofreaders: ConText Editorial Services, Inc., Senior Copy Editor: Danielle Voirol Amanda Steiner Assistant Editor: Erin Calligan Mooney Indexer: Broccoli Information Management Technical Editor: Adam Hayes Editorial Manager: Michelle Hacker Editorial Assistants: Jennette ElNaggar, Joe Niesen Cover Photo: ©Graphistock Cartoons: Rich Tennant (www.the5thwave.com) Publishing and Editorial for Consumer Dummies Diane Graves Steele, Vice President and Publisher, Consumer Dummies Kristin Ferguson-Wagstaffe, Product Development Director, Consumer Dummies Ensley Eikenburg, Associate Publisher, Travel Kelly Regan, Editorial Director, Travel Publishing for Technology Dummies Andy Cummings, Vice President and Publisher, Dummies Technology/General User Composition Services Gerry Fahey, Vice President of Production Services Debbie Stailey, Director of Composition ServicesContents at a Glance Introduction ................................................................ 1 Part I: Beginning the Revolution: Simple Steps to Start With ........................................... 7 Chapter 1: Setting Yourself Up for Success ....................................................................9 Chapter 2: Linking Time Management to Life Goals ...................................................21 Chapter 3: Putting a Value on Your Time .....................................................................35 Part II: Establishing a Good System ............................ 43 Chapter 4: Focusing Your Efforts, Prioritizing Tasks, and Blocking Your Time......45 Chapter 5: Setting Up and Maintaining a Productive Workspace ..............................65 Chapter 6: Fine-Tuning Organization Skills with Technology ....................................81 Chapter 7: Taking Time Management on the Road ...................................................101 Part III: Confronting Challenges to Time Management ................................................ 121 Chapter 8: Communicating Strategically to Get Results — Fast .............................123 Chapter 9: Defending Your Day from Interruptions ..................................................143 Chapter 10: Overcoming Procrastination, a Notorious Time Thief.........................159 Chapter 11: Making Wise Yet Quick Decisions ..........................................................175 Part IV: Maintaining Efficiency When Working with Others ....................................... 189 Chapter 12: Coping with a Time-Wasting Boss ..........................................................191 Chapter 13: Mastering Meetings with Co-Workers ....................................................203 Chapter 14: Optimizing Collaboration with Business Associates ...........................219 Part V: Advanced Time Management for Specific Folks ..................................................... 247 Chapter 15: Time Management for Administrative Staff ...........................................249 Chapter 16: Time Management for Salespeople ........................................................261 Chapter 17: Time Management for Business Owners and Executives ....................281 Chapter 18: Coaching Others to Manage Time Effectively .......................................295Part VI: The Part of Tens .......................................... 309 Chapter 19: Ten Time-Wasting Behaviors ..................................................................311 Chapter 20: Ten Time-Effi cient Habits ........................................................................319 Chapter 21: Ten Time Savers for Your Personal Life ................................................327 Chapter 22: Ten Great Time-Saving Technologies.....................................................333 Chapter 23: Ten Ways to Fine-Tune Your Focus on the Job ....................................339 Index ...................................................................... 345

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