financial responsibility
Slobodan Milosevic-CL
ISBN: , SKU: , AUTHOR: Sell, Louis / Louis Sell / Sell, PUBLISHER: Duke University Press, In "Slobodan Milosevic and the Destruction of Yugoslavia" former U.S. foreign service officer Louis Sell fills a gap in the literature on the Yugoslav conflicts by covering both the domestic Yugoslav side of the collapse and the history and consequences of international interventions in the wars in Slovenia and Croatia in , Bosnia in , and Kosovo from . Sell focuses on the life and career of Milosevic, from the perspective of both a diplomatic insider intimately familiar with the region and a scholar who has researched all the available English and Serbo-Croatian sources. Sell spent much of his diplomatic career in Eastern Europe and Russia, including eight years in Yugoslavia between and , and witnessed the events that contributed to the dissolution and ultimate destruction of Yugoslavia. In "Slobodan Milosevic and the Destruction of Yugoslavia "he provides first-hand observations of Milosevic from the heady days of his rise to power and, later, in the endgame of the Bosnian war, including the Dayton Peace Conference. Drawing on a wide range of published material as well as interviews with Yugoslav and foreign participants, Sell covers such areas as Milosevic's relationship to the military, his responsibility for war crimes, his methods of persuasion and negotiation, and his notoriously explosive personality.
The Cost of Empire: The Finances of the Kingdom of Naples in
ISBN: , SKU: , AUTHOR: Calabria, Antonio, PUBLISHER: Cambridge University Press, This is a study of early modern government finance in the kingdom of Naples, one of the most important European dominions of the Spanish Empire. Professor Calabria focuses on the period from the mid-sixteenth century to the time of the Thirty Years' War. He connects fiscal developments to larger issues, such as the seventeenth-century crisis, the decline of Italy and Spain, and the economic and social significance of investments in government securities markets in early modern Europe. The Cost of Empire blends quantitative data on economic, fiscal, and financial affairs with non-quantitative material detailing attitudes, economic behaviour, and administrative practices. The quantitative material includes analyses of government budgets from to and a computer study of about investors and their investments in state securities in the later sixteenth century. The work is unrivalled in the breadth, comprehensiveness, and sophistication of its analysis of an early modern fiscal system.
Price Indexes in Time and Space: Methods and Practice
ISBN: , SKU: , AUTHOR: Biggeri, Luigi / Ferrari, Guido, PUBLISHER: Physica-Verlag Heidelberg, This book deals with the currently most relevant topics in price index numbers theory and practice. The problem of the harmonization of Consumer Price Indexes (CPIs) and the time-space integration of baskets is analyzed at the EU-zone level, with methodological and practical proposals on how to proceed for an overall treatment of the matter. Another issue are comparisons between Purchasing Power Parities (PPPs) and CPIs. Likewise, the construction of sub-indexes for households, economic and social groups is investigated, in order to obtain specific inflation measurement instruments. The book provides evidence from the most updated databases. Among the other issues treated in this book are spatial comparisons of price levels through PPPs and the international comparisons of macroeconomic aggregates, a re-consideration of index numbers theory, the measurement of production in non-market services, deflation problems, and price indexes in financial markets.
Art at Work/L'Art Au Travail
ISBN: , SKU: , AUTHOR: Gale, Peggy / Landry, Pierre / Henry, Victoria, PUBLISHER: Goose Lane Editions, The Art Bank of the Canada Council for the Arts is one of Canada's greatest treasures, holding more than paintings, prints, photographs, and sculptures by over contemporary artists. Because the Art Bank rents its works to government and corporate offices, pieces are enjoyed every day in public spaces, but the collection itself is never seen. Now, to mark its 35th anniversary, the Art Bank ?exhibits? its collection in Art at Work. In English and French, Art at Work celebrates the Art Bank as a uniquely Canadian vision, a major collection, a financial success story, and an inspiration to governments across Canada and abroad. Introduced by Adrienne Clarkson, the essays by Victoria Henry, David Silcox, Peggy Gale, Pierre Landry, and Jeff Thomas tell about the Art Bank's scope, range, and purpose. Sumptuous photographs make Art at Work a work of art in its own right.
Wills and Estates for Canadians for Dummies
ISBN: , SKU: , AUTHOR: Kerr, Margaret / Kurtz, JoAnn / Kerr, PUBLISHER: For Dummies, Estate planning resources to help you put your affairs in order. Leave what matters to those who matter with this smart, sensible guide. This book is your one-stop reference for all aspects of estate planning. From determining how taxes affect your estate to choosing a lawyer to help you write your will, it's all explained in easy-to-understand terms. Tackle difficult topics with this savvy, helpful guide and enjoy the peace of mind that comes from knowing that those you care about are looked after for the long term. All this on the bonus CD-ROM AOL Canada 6.0 Interactive financial planning software from Scotiabank Estate planning checklists, worksheets, and more Discover how to: Craft your ideal will Create an estate plan Make the most of a lawyer's services Increase the value of your estate Minimize estate taxes
Takabuki: An Unlikely Revol Paper
ISBN: , SKU: , AUTHOR: Takabuki, Matsuo, PUBLISHER: University of Hawaii Press, Anyone interested in understanding the last fifty years of Hawai'i's economic and political history would do well to examine the life of Matsuo "Many" Takabuki. Actively involved in the Democratic Party during the post-World War II years, Takabuki was among a generation of Americans of Japanese Ancestry to rise to political office in the s. A confidant of Governor John Burns, a member of the Board of Supervisors of the City and County of Honolulu, a business associate of developer and financier Chinn Ho, a trustee of the Bishop Estate -- Takabuki has been at the heart of many of the sweeping social, financial, and political changes that have fundamentally altered Hawai'i in the last half century. An Unlikely Revolutionary is Takabuki's own story, told in his characteristically straightforward manner, of his life and work as one of the "movers and shakers" behind Hawai'i's transformation from an isolated, agriculture-based territory to a highly diverse, competitive modern community.
Museum of London - Talking Guide
ISBN: , SKU: , AUTHOR: Richardson, Miranda / Scala Publishers, PUBLISHER: Scala Publishers, The Museum of London exists to inspire a passion for London. As the single most important source of knowledge on the nation's capital, it is uniquely both a national and local museum. Over a million objects are held in the Museum's stores, cared for by curators and conservators who are all leaders in their field. This, the official guide to the Museum of London and the first of the Scala Talking Guides, covers all aspects of social, cultural and political life in London from the first prehistoric settlements, right up to its present position as a financial and artistic world city. By selecting significant pieces of ceramics, jewellery, paintings, photographs, printed ephemera, sculpture and a range of commercial, industrial and domestic items from the entire collection, this book conveys the sheer size and variety of the Museum's holdings. With specially commissioned colour photographs and monochrome archival prints, it dramatically displays every aspect of London life.
SALES INSURANCE SPECIALIST SUD
S&you, nuovo brand del gruppo Synergie per la ricerca e selezione di middle management, seleziona per azienda cliente un/una SALES INSURANCE SPECIALIST SUD La figura ricercata all'interno del dipartimento Sales & Marketing si occuperĂ di: - vendita dei prodotti assicurativi incrementandone il Business e la presenza nel tessuto di riferimento spaziando dai prodotti Insurance & Financial, RCA e altre garanzie inseriti nel finanziamento e nel prodotto contantisti Cash Payer - garantire un'adeguata presenza sul territorio di supporto ai dealer - coadiuvare la gestione del sinistro Dlrs/Claims - supporto strategico/formativo in collaboorazione ai PM TMI - diventare punto di riferimento per l'area di competenza  - 2 anni di esperienza come Sales nel settore vendite automotive e correlati/ finanziario/assicurativo - Titolo di studio laurea/diploma - Conoscenza del pacchetto Office soprattutto Excel  i offre un contratto a tempo indeterminato direttamente con l'azienda cliente. CCNL del Commercio I-II livello con una RAL commisurata all'esperienza. Zona di Lvoro: Catania, Bari, Lecce, PalermoÂ
Real Estate Transactions: Problems, Cases, and Materials
ISBN: , SKU: , AUTHOR: Malloy, Robin Paul, PUBLISHER: Aspen Publishers, This user-friendly text continues to deliver what students need: - clear and concise explanations on each topic area with straightforward examples to illustrate the point - an integrated approach to explaining market and ethical constraints for the transactional real estate lawyer - excellent problems that appropriately increase in difficulty with each section - carefully chosen cases to illustrate key points of commercial and residential real estate and the way in which problems arise in practice - cases and materials to highlight ethical and professional responsibility issues, allowing students to see professional ethics in a real-world context Thoughtfully updated material throughout makes a great text even better in its Third Edition. Highlights include: - a revised and more concise section on advanced commercial real estate topics, including construction loan and permanent loan financing considerations. - improved integration of residential and commercial real estate concepts - a more streamlined, student-accessible text - new and updated cases and problems keep the material relevant and timely - a greatly improved and expanded Teacher's Manual designed to provide extensive guidance to professors who teach under strict time constraints. TM features detailed text and background information, sample syllabi, case briefs, suggested answers to problems, and additional problem sources.
Taming the Great South Land: A History of the Conquest of
ISBN: , SKU: , AUTHOR: Lines, William J., PUBLISHER: University of Georgia Press, William J. Lines traces Australia's history from the continent's geological origins, natural development, and earliest native cultures to its present-day state of population and economic overgrowth at the expense of the fragile environmental balance. In particular, Lines examines the period between Australia's British colonization and the present, illuminating a path of environmental destruction from the colonists' Enlightenment views to the end of our century. Indeed, the author's new afterword startles us with the urgency of Australia's plight. Lines describes in great detail the recent damages done to the continent's land, people, and national integrity in the name of "progress". He writes of continued land exploitation through mining, deforestation, and the excessive animal, plant, and land resource consumption of Australia's burgeoning population. Although he places considerable blame on government officials and economic developers, Lines argues that Western civilization as a whole must change its view of the land and its resources. The scope of Taming the Great South Land reaches far beyond the continental boundaries of Australia and other political world borders. He urges us to recognize the magnitude of our responsibility, as a world community, to preserve the natural balances on which our very existence depends.
Leadership Is an Art
ISBN: , SKU: , AUTHOR: DePree, Max, PUBLISHER: Crown Business, LEADERSHIP IS AN ART has long been a must-read not only within the business community but also in professions ranging from academia to medical practices, to the political arena. First published in , the book has sold more than copies in hardcover and paperback. This revised edition brings Max De Pree's timeless words and practical philosophy to a new generation of readers.De Pree looks at leadership as a kind of stewardship, stressing the importance of building relationships, initiating ideas, and creating a lasting value system within an organization. Rather than focusing on the "hows" of corporate life, he explains the "whys." He shows that the first responsibility of a leader is to define reality and the last is to say thank you. Along the way, the artful leader must: - Stimulate effectiveness by enabling others to reach both their personal potential and their institutional potential - Take a role in developing, expressing, and defending civility and values - Nurture new leaders and ensure the continuation of the corporate culture LEADERSHIP IS AN ART offers a proven design for achieving success by developing the generous spirit within all of us. Now more than ever, it provides the insights and guidelines leaders in every field need.
Barefoot Season
ISBN: , SKU: , AUTHOR: Mallery, Susan, PUBLISHER: Mira Books, Michelle Sanderson may appear to be a strong, independent woman, but on the inside, she's still the wounded girl who fled home years ago. A young army vet, Michelle returns to the quaint Blackberry Island Inn to claim her inheritance and recover from the perils of war. Instead, she finds the owner's suite occupied by the last person she wants to see. Carly Williams and Michelle were once inseparable, until a shocking betrayal destroyed their friendship. And now Carly is implicated in the financial disaster lurking behind the inn's cheerful veneer. Single mother Carly has weathered rumors, lies and secrets for a lifetime, and is finally starting to move forward with love and life. But if the Blackberry Island Inn goes under, Carly and her daughter will go with it. To save their livelihoods, Carly and Michelle will undertake a turbulent truce. It'll take more than a successful season to move beyond their devastating past, but with a little luc
Wizard:
ISBN: , SKU: , AUTHOR: Seifer, Marc J., PUBLISHER: Citadel Press, Nikola Tesla (), credited by many as the inspiration for radio, robots, and even radar, has been called the patron saint of modern electricity. Yet very few people know about his life and work. Based on original source materials and previously unavailable documents, Wizard is the definitive biography of this founding father of modern technology. For the first time, Wizard reveals the details of Tesla's struggles with competing contemporary inventors such as Edison, Steinmetz, and Marconi and with financial giants like J. R Morgan and John Jacob Astor, who underwrite his work. An immaculately groomed figure, Tesla once lived at the Waldorf-Astoria in New York and dined at the finest restaurants. Tesla's genius was challenged, however, when his peers vilified his attempts to contact other planets. In the last years of his life, unable to secure financing for his newest inventions, he lived in semipoverty in a fourth-rate hotel. Wizard brings to the fore the intriguing life of this legendary innovator.
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Collateral Damaged: The Marketing of Consumer Debt to
ISBN: , SKU: , AUTHOR: Geisst, Charles R., PUBLISHER: Bloomberg Press, Sometime in the s and s, the use of credit cards, which had begun as a convenience, began to grow into an addiction. "Collateral Damaged: The Marketing of Consumer Debt to America" explains how a nation of savers became a nation of consumers and how Wall Street used consumers' addiction to spending to create the "toxic securities" that threaten to bring about the collapse of the global economy. Geisst looks at the policy implications of the credit crisis and describes how the United States can get its fiscal house in order: Debt must be brought back onto the issuer's balance sheet. Investors must have the assurance of recourse to the debt issuer's own funds, rather than the empty promise of a valueless document. Regulators must be educated to know at least as much about financial engineering as the structured finance instruments' architects do. This book connects the dots from consumer spending to credit cards to home-equity loans and back to credit cards.
Office Manager
Outpost24 is a leading cyber assessment company focused on enabling its customers to achieve maximum value from their evolving technology investments. By leveraging our full stack security insights to reduce attack surface for any architecture, Outpost24 customers continuously improve their security posture with the least effort. Over customers in more than 40 countries around the world trust Outpost24 to assess their devices, networks, applications, cloud and container environments and report compliance status for government, industry sector, or internal regulations. Founded in , Outpost24 serves leading organizations across a wide range of segments including financial and insurance, government, healthcare, retail, telecommunications, technology, and manufacturing. Are you an outgoing, friendly and service minded person who loves helping people and enjoys working in a high-paced environment? Then this might be the role for you. Outpost24 is now looking for our next Office Manager in Copenhagen. The Office Managerâs tasks are mainly to support the office so that it runs smoothly. The Office Manager will organize and coordinate administration duties and office procedures and create and maintain a pleasant work environment to sure high level of organizational effectiveness, communication and safety. As an Office Manager you will be responsible for: Supporting the Employeeâs in the office with ad hoc tasks, e.g. preparing for meetings. Ensure all needed necessities are available (drinks, fruit, furniture, coffee, toilet articles etc.). Host visitors and answering the office phone Support the Finance department with some financial activities such as but not limited to: payroll administration, office budget Support the HR department with on- and off boarding of employeeâs, organize local Christmas party, keep an overview of birthdays and holidays. Order flight and hotel tickets for Employees Support the Marketing department in local events if required. We see that you have great time management skills, have an ability to multi-task and prioritize work. You have a great attention to details and loves working pro-actively and is motivated by going the extra mile for your colleagues. You have excellent communication skills, both verbal and written and you are fluent in English. This role is ideal for a student, as this is a part-time role with approx. 8 â 10 hours per week. Do you feel this role is for you? Please donât hesitate to send in your application as soon as possible. This position will remain open for application until the role is filled.  As part of the recruitment process you must be able to pass a background check in order to qualify for this position.
Routledge Dictionary of Economics
ISBN: , SKU: , AUTHOR: Rutherford, Donald / Rutherford, D., PUBLISHER: Routledge, Compiled to meet the needs of students and professionals in economics, finance, accountancy and business, this wide-ranging, international Dictionary is for everyone who wants an up-to-date resource to the world of economics. Key Features over comprehensive A to Z entries, from after-hours to z-score, provide clear, definitive explanations of the key terms, issues, theories and concepts in economics today - as well as describing the contributions of key figures in the field each entry is headed by a short definition for quick reference, and where relevant, followed by an annotated bibliography to lead the reader to further sources cross-referenced for ease of access the full range of subjects is covered, from classical economics and the study of value and growth, to contemporary concerns such as European Union and Green conditionality detailed coverage of vital econometric terms and statistics including entries such as eigenprices and M0 includes specialised commercial and financial jargon illustrated with 94 line diagrams unique subject index for ease of access
Latin American Economic Outlook : Transforming the State
ISBN: , SKU: , AUTHOR: OECD Organisation for Economic Co-Operation and Development / Oecd Publishing, PUBLISHER: Organization for Economic Cooperation & Devel, Latin American and Caribbean economies performed relatively robustly in the financial crisis. The authors of this overview urge these states to now focus their attentionon long-term development goals. Latin America must design and implement good public policies to achieve the region's objective of economic growth and structural change that is rapid, sustainable, and inclusive. In particular, governments must reduce income inequalities and public service delivery, as well as promote the diversification of economies, often concentrated on a few primary-product exports. But the real change, according to this volume, will come if Latin American and Caribbean countries carry out meaningful fiscal reforms. The book demonstrates how the increased effectiveness and efficiencies fromimproved fiscal policies could provide the resources needed to address the key challenges of economic development. It also recommends three priority areas --education, infrastructure, and innovation --for investing additional resources with thepotential to raise competitiveness and social inclusion.
The Future of the Holocaust: Between History and Memory
ISBN: , SKU: , AUTHOR: Lang, Berel, PUBLISHER: Cornell University Press, In The Future of the Holocaust, Berel Lang continues his inquiry into the causal mechanisms of decision-making and conduct in Nazi Germany and into responses to the genocide by individuals and nations -- an inquiry that he began in Act and Idea in the Nazi Genocide and pursued in Heidegger's Silence. Raising the question now of what the future of the Holocaust is, he addresses among other topics how history and memory together shape views of the Holocaust; how the concept of "intention" -- which played a crucial part in the events of haft a century ago -- shapes history and memory themselves; and how future views of this genocide may alter those of today. In addition, Lang explores cultural representations of the "Final Solution" -- from monuments to public school curricula -- within the Jewish and German communities. He analyzes ethical issues concerning such concepts as intention, responsibility, forgiveness, and revenge, and puts forward a theory of the history, of evil which provides a context for the Holocaust both historically and morally. Addressing the claims that the Nazi genocide was unique, Lang argues that the Holocaust is at once an actual series of events and a still future possibility. If the Holocaust occurred once, he argues, it can occur twice -- and this view of the future remains an unavoidable premise for anyone now writing or thinking about that event in the past.
Lone Point: And the Esselstynes
ISBN: , SKU: , AUTHOR: Hill, Grace Livingston, PUBLISHER: Living Books, Maria Hammond and her sister, Rachel, were as different as could be. Rachel was like bright sunshine everywhere, while Maria, or "Ri," as her family called her, always took things awry. When the Hammond family had to rent out their spacious home in the city and take a plain summer cottage by the sea, Rachel was delighted. Maria, however, humiliated by her family's reduced financial status, threw herself fiercely into the role of martyr, determined to make everyone feel her suffering. Then a chance encounter with thoughtful, contemplative Howard Fairfield changed everything. Soon Maria found herself trying to be as good and spiritual as he believed she was... but Lone Point was to bring Maria many struggles before she found the love her lonely heart craved. Grace Livingston Hill is the beloved author of more than 100 books. Read and enjoyed by millions, her wholesome stories contain adventure, romance, and the heartwarming triumphs of people faced with the problems of life and love.
Interracial Justice: Conflict and Reconciliation in Post
ISBN: , SKU: , AUTHOR: Guskin, Jane / Wilson, David / Yamamoto, Eric K., PUBLISHER: New York University Press, The United States in the twenty-first century will be a nation of so-called minorities. Shifts in the composition of the American populace necessitate a radical change in the ways we as a nation think about race relations, identity, and racial justice. Once dominated by black-white relations, discussions of race are increasingly informed by an awareness of strife among nonwhite racial groups. While white influence remains important in nonwhite racial conflict, the time has come for acknowledgment of ways communities of color sometimes clash, and their struggles to heal the resulting wounds and forge strong alliances. Melding race history, legal theory, theology, social psychology, and anecdotes, Eric K. Yamamoto offers a fresh look at race and responsibility. He tells tales of explosive conflicts and halting conciliatory efforts between African Americans and Korean and Vietnamese immigrant shop owners in Los Angeles and New Orleans. He also paints a fascinating picture of South Africa's controversial Truth and Reconciliation Commission as well as a pathbreaking Asian American apology to Native Hawaiians for complicity in their oppression. An incisive and original work by a highly respected scholar, Interracial Justice greatly advances our understanding of conflict and healing through justice in multiracial America.
The Resolution for Men
ISBN: , SKU: , AUTHOR: Kendrick, Stephen / Kendrick, Alex / Alcorn, Randy, PUBLISHER: B&H Publishing Group, ""A man cannot be passive about what Scripture tells him to do for his family and expect to be found faithful to God in the end. He must see with spiritual eyes and realize that future generations are directly impacted by his daily decisions."" --The Resolution for Men "The Resolution for Men" is the inspiring book born out of "Courageous," a new film by the makers of "Fireproof" coming to theaters nationwide in fall . The movie, which presents a powerful story of strong male leadership, is an emotionally charged wake-up call to fathers whose influence upon their children and society is immeasurable. "The Resolution for Men" follows to challenge men of all ages to become as bold and intentional about embracing their responsibilities as leaders of their homes, marriages, and children. Written by Stephen and Alex Kendrick, screenwriters of "Courageous" and authors of New York Times No. 1 best seller "The Love Dare" (five million copies sold), "The Resolution for Men" strategically inspires men to reconcile with their past, re-engage in the present by taking full responsibility for their wives and children, and then move forward with a bold and clear resolution for the future. Written in partnership with the movie and Priscilla Shirer's new book, "The Resolution for Women," it is designed to inspire a revolution.
Dare to Dream!: 25 Extraordinary Lives
ISBN: , SKU: , AUTHOR: Humphrey, Sandra McLeod, PUBLISHER: Prometheus Books, Magical heroes like Harry Potter, Spiderman, or Catwoman provide plenty of entertainment for kids, but in real life heroes are made of sterner stuff than celluloid fantasies. In this inspiring collection of biographies, critically acclaimed writer and psychologist Sandra McLeod Humphrey teaches young people that heroes were once ordinary people whose strength of character helped them to achieve extraordinary things. Starting with only their dreams, they worked hard and overcame obstacles to make their dreams come true. Some overcame physical handicaps, others psychological barriers like extreme shyness or feelings of inferiority; some faced racial discrimination or educational disadvantage, others financial burdens. In spite of these frustrations and discouragements, all of these people discovered in themselves the patience, perseverance, and determination to pursue their dreams beyond every obstacle. The message is clear: No matter who you are or where you come from, you too can accomplish extraordinary things, as long as you dare to dream and never, never, never give up
Mergers and Acquisitions in Intellectual Property
ISBN: , SKU: , AUTHOR: Bryer, Lanning G. / Simensky, Melvin, PUBLISHER: John Wiley & Sons, An up-to-date and in-depth examination of intellectual property issues in mergers and acquisitions In mergers and acquisitions, intellectual property assets can be especially difficult to accurately value, most notably in rapidly evolving high-tech industries. Understanding the factors that create value in intellectual property assets, and the part such assets play in both domestic and international mergers, is vitally important to anyone involved in the merger and acquisition process. This book provides an overview of the intellectual property landscape in mergers and acquisitions and thoroughly covers important topics from financial and accounting concerns to due diligence and transfer issues. Bringing together some of the leading economists, valuation experts, lawyers, and accountants in the area of intellectual property, this helpful guide acts as an advisor to business professionals and their counsel who need answers for intellectual property questions. The valuation methods presented here are simple and don't require a background in finance. Whether you're a manager or executive, an accountant or an appraiser, Intellectual Property Assets in Mergers and Acquisitions offers all the expert help you need to better understand the issues and the risks in intellectual property assets in mergers and acquisitions.
Women's Ventures, Women's Visions
ISBN: , SKU: , AUTHOR: Alexander, Shoshana, PUBLISHER: Crossing Press, In Women's Ventures, Women's Visions, author Shoshana Alexander presents inspiring, poignant and empowering profiles of 29 remarkable women who found a way to establish their own enterprises and realize their dreams. Determined and resourceful, we see the women in this book starting their businesses with a few thousand dollars of personal savings, or modest inheritances, credit cards, or loans from family and friends. Now owners of multi-million dollar firms or heads of homebased companies, they recount the events that led them to launch their own businesses. All found themselves at a turning point in their lives and careers. Knowing there was a better way and setting out to create it, they followed their intuition, held to their visions, and made them real. Despite their diversity in age, socio-economic class, and ethnic background, they are not that different from all of us who have a desire for financial independence. What distinguishes them is that they have achieved it. Here, in voices grateful, proud, joyful, and sure, they tell us how.