A guide for community banks to rebuild and strengthen their business With Community Banking Strategies, author Vincent Boberski, a financial professional who has spent years working with senior management and the boards of directors at local banks, skillfully reveals how community banks can compete against bigger institutions in the wake of the most significant financial crisis since the 1930s. Chapter by chapter, he offers practical advice on many of the most important issues in this area, including portfolio management, balance sheet management, and dealing with interest rate and credit cycles. Along the way, Boberski also offers in-depth insights on establishing and encouraging the lasting client relationships that produce the most essential piece of the banking business: focusing on increasing core deposits, which is at the heart of any good local bank. Details the strategies, products, and tactics that will enable community banks to create opportunities out of market dislocations and effectively manage risk Reveals how to capture consistently profitable growth at the expense of regional and national competitors Discusses what it takes to transform newfound market dynamics into customer relationships that touch both sides of the balance sheet If you want to gain a better understanding of the strategies that could consistently lead to success in this field, this book is the best place to start.
Don't just survive – thrive! That's the message of this state-of-the-art guide to diabetes management. From causes, symptoms and side effects to treatments and diet, this book will help British diabetics understand all types of diabetes and delivers sound advice on staying fit and feeling great. The best-selling second edition has been updated to cover key information on managing pre-diabetes, plus new content on screening tests, medications and lifestyle advice. With additional information on the latest advances in therapy for diabetes and its complications, this new edition will make sure you're covered from every aspect.
Community ecology: the study of the patterns and processes involving two or more species – has developed rapidly in the last two decades, driven by new and more sophisticated research techniques, advances in mathematical theory and modeling, and the increasing pressure on the environment wrought by humans. Once a purely descriptive science, it is now one of the most forward-looking areas of scientific inquiry. Morin skillfully guides the reader through the main tenets and central concepts of community ecology – competition, predation, food webs, indirect effects, habitat selection, diversity, and succession. In an attempt to introduce the reader to the most balanced coverage possible, Morin includes examples drawn from both the aquatic and terrestrial realm and from both plant and animal species. Balancing theory with experimentation and drawing on exciting new studies to complement the historical foundations of the discipline, he also stresses that both the empirical and theoretical approaches are necessary to drive ecology foward into the new millenium. The final chapter on applied community ecology ably demonstrates how community ecological processes have a wide environmental relevance. Although in its infancy, the application of community ecology to emerging problems in human-dominated ecosystems could mitigate problems as diverse as management strategies for important diseases transmitted by animals and the restoration and reconstruction of viable communities. Required reading for all students and practitioners interested in community phenomena, Community Ecology marks an important contribution to the development of this protean discipline. The first serious textbook for a decade on one of the keystone subdisciplines of ecology. Broad taxonomic and habitat coverage. Section on implications of community ecology for environmental issues.
The only nonprofit management book you must have-in an exciting new edition As a nonprofit manager, you have to be more effective and more efficient than ever to win funding and support to ensure your organization pursues its mission, meets community needs, and maintains its budget, while juggling the demands of funders, clientele, boards, staff, and community. This Third Edition of Mission-Based Management provides comprehensive, hands-on guidance that addresses your unique concerns as a nonprofit manager and policy-maker Addresses the effects of SOX, organizational transparency, new technologies, technology planning, and marketing in today's environment Is written by a nationally recognized expert who has trained thousands of nonprofit managers in hundreds of seminars on the best practices in nonprofit management Includes in each chapter a recap and a list of questions for group discussion More than ever before, as a nonprofit manager, you want and need practical guidance on how to do your job and run your organization more effectively and efficiently. And more than ever before, Mission-Based Management, Third Edition provides the definitive answer.
A must have for MBA students and professional managers who need to use English at work. A part of the hugely popular Professional English in Use series, this book offers management vocabulary reference and practice for learners of intermediate level and above (B1-C1). Key MBA topics, including Leadership, Change Management and Finance are presented through real business case studies. The course is informed by the Cambridge International Corpus to ensure that the language taught is up-to-date and frequently used. Primarily designed as a self-study, the book can also be used for classroom work and one-to-one lessons. This book is a must for both students of MBA or other Business programmes and professionals who need management English.
Fiduciary Management offers an in-depth explanation of every facet of this fast-growing approach to organizing the management of an institutional investment portfolio. Expert author Anton van Nunen begins by outlining the historic shift that has brought this strategy to the attention of the investment community and quickly moves on to illustrate fiduciary management in practice; giving advice in terms of asset-liability modeling and financial markets, constructing portfolios, selecting and overseeing investment managers, benchmarking and performance measurement, and reporting.
Effective risk management in today’s ever-changing world Crisis Wasted? Leading Risk Managers on Risk Culture sheds light on today’s risk management landscape through a unique collection of interviews from risk leaders in both the banking and investment industries. These interviews zero in on the risk culture of organisations, effective risk management in practice, and the sometimes paradoxical effects of new regulations and how they affect decision-making in financial organisations They offer genuine insight into regulatory processes and priorities and their implications for the stability of the global financial system. As trending topics in the risk management field, each of these subject areas is relevant to the work of today’s risk management professionals. In addition to the forward-focused text, this reference provides access to a wealth of premium online content. Risk management has become an area of focus for companies since the financial crises that shook the international community over the past decade, but, despite high levels of introspection and changes to key processes, many financial houses are still experiencing large losses. Understanding today’s risk environment can help you improve risk management tactics. Access essential information both in print and online Discover the most important topics in today’s risk management field Explore interviews with 1 risk management leaders Learn about ground-breaking recent innovations in risk management thinking Crisis Wasted? Leading Risk Managers on Risk Culture is an integral resource for professionals responsible for minimising organisational risk, as well as those who want to better understand the risk culture of today’s world.
Count your carbs – and count on managing your diabetes Living with diabetes doesn't have to mean giving up all of your favorite foods. Carbs from healthy foods boost nutrition and supply essential fuel for your brain and body. Counting carbs is integral to managing diabetes because your carb choices, portion sizes, and meal timing directly impact blood glucose levels. Diabetes & Carb Counting For Dummies provides essential information on how to strike a balance between carb intake, exercise, and diabetes medications while making healthy food choices. – Covering the latest information on why carb counting is important for Type 1 diabetes, Type 2 diabetes, and gestational diabetes, this book provides the tools you need to best manage your diet and your diabetes. Nearly one in 11 people in the United States have diabetes and one out of every 3 adults have prediabetes (blood glucose levels above normal ranges). Diabetes rates are skyrocketing worldwide. If you or a loved one has been diagnosed – or is teetering on the edge of diagnosis – you'll find all the safe, trusted guidance you need to better manage your health through improving your nutrition and managing your carb intake. Discover how what you eat affects diabetes Explore the importance of carbs in nutrition and health Get the facts when it comes to fiber, fats, sweeteners, and alcohol. Decipher food labels and discover how to count carbs in bulk, fresh, and restaurant foods Manage your diabetes and reduce other diet-related health risks Improve blood glucose levels Sample meal plans in controlled carb count ranges Food composition lists for counting carbs and identifying best bet proteins and fats If you're one of the millions of people with diabetes or prediabetes in search of an accessible resource to help you portion and count carbs to better manage this disease, this is the go-to guide you'll turn to again and again because when it comes to diabetes – carbohydrates count.
The essential guide for nonprofits wanting to manage their Internet applications in a coordinated, cost-effective, and efficient manner The rapid onset of increasingly advanced and complex technologies has challenged nonprofits to invest with their sparse resources in attempting, and failing, to keep pace with for-profit companies, with the result that most now cannot compete with new commercial products and commercial applications. Nonprofit Internet Management reveals how current technologies can be utilized in full measure most effectively by nonprofits and addresses how to manage various applications for maximum benefit to internal operations and community service. Covers management models, social networking information, case studies, fundraising strategies, collaboration and coordination examples, and sample communications techniques Includes chapters written by leading Internet professionals In-depth discussion of Website design, technology trends, social networks, managing the organization using online tools, E-governance and board leadership, prospect research and donor modeling, volunteer recruitment and management, mobile technology, stewardship and relationship management, and green technology applications Filled with case studies, Nonprofit Internet Management also includes screenshots, tables, worksheets and checklists. It's an essential resource for every nonprofit organization operating in our modern wired world.
A unique approach to today's hottest new job in social media Today's social community managers use social media platforms and act as brand evangelists and community advocates. From creating viral content to crisis communication to leveraging community content, social managers manage online social communities and deal with what comes. Luckily, The Complete Social Media Community Manager's Guide: Essential Tools and Tactics for Business Success is the perfect resource for how to do this increasingly high-profile and crucial job. The book features proven tactics and techniques for effective management and includes more than 40 field-tested tools and templates. If you're a social community manager, learn how to grow a community and achieve the results you need. Topics include a detailed guide to today's social media platforms, how to organize and successfully share content, using metrics and reporting, and more. Helps social media community managers develop, cultivate, and convert their social media communities Does a deep dive into today's crucial social media platforms Provides a complete toolkit of over 40 field-tested tools and templates on everything from how to craft a plan to developing an editorial calendar, tracking results, and more Explains how you can organize and successfully share content among your target community and how to leverage that content to further amplify your message The Complete Social Media Community Manager's Guide: Essential Tools and Tactics for Business Success is a must-have resource for one of the hottest new careers in today's social world.
A practical guide to identifying, analyzing and tackling operational risk in banks and financial institutions Created for banking and finance professionals with a desire to expand their management skill set, this book focuses on operational risk and operational risk events, as distinct from other types of functional risks. It was written by the experts at the world-renowned Hong Kong Institute of Bankers, an organization dedicated to providing the international banking community with education and training. Schools you in techniques for analyzing the operational risk exposure of banking institutions and assessing how operational risk impacts on other types of risk Provides expert guidance on how to design, plan and implement systems for operational risk management and quality control Describes a comprehensive approach to operational risk management that includes data collection, modeling and an overall risk management structure Shows you how to develop operational risk management solutions to help your company minimize losses without negatively impacting its ability to generate gains Offers expert guidance on various regulatory frameworks and how the latest Basel II and Basel III requirements impact a bank's operational risk management strategy and framework
A clear explanation of the cause, diagnosis, and treatment of diabetes Written for a broad range of readers, including students, researchers, policymakers, health care providers, and diabetes patients and caregivers, this book explains the underlying biochemistry and physiology of diabetes mellitus. Each chapter contains a glossary that defines key terms, a summary that highlights essential concepts discussed in each section of the chapter, as well as a set of simple problems to help readers gain a richer and deeper understanding of diabetes, from its history to treatment options. Understanding Diabetes begins with an overview of the disease, its worldwide prevalence and cost, and its connection to the global obesity epidemic. The author then explores the history of diabetes, including the first documented description of the disease dating back to 3400 BCE in Ancient Egypt. The next chapter, A Glucose Metabolism Primer, sets forth the pathways for the metabolism of glucose. Next, the book covers: Regulation of glucose metabolism and glucose metabolism gone wrong Diabetes classification system Diagnosis, including current laboratory tests Complications, such as retinopathy, neuropathy, and cardiovascular disease Hereditary transmission Prevention and treatment, including emerging research Although a cure has still not been found, this book demonstrates that researchers are continuing to make major breakthroughs on all fronts in the fight against diabetes, including a better understanding of its causes and an improved ability to diagnose and treat the disease.
Dealing with themes of determinism and inescapable fate, Thomas Hardy's novels are also reknowned for depicting the intimate relationship between character and the environment. Unflinchingly honest in portraying characters and their fortunes, Hardy depicts life with all its harsh realities. Tess of the D'Urbervilles received negative reviews when first published in 1891. Originally criticised as being too pessimistic, it is now regarded as a classic. The story of Tess's painful journey from girl to woman and her traumatic relationships with Alec D'Urberville and Angel Clare, is presided over by the unwavering hand of justice. The Major of Casterbridge recounts the life of Michael Henchard as he reaches the pinnacle of power, self esteem and self-satisfaction, only to lose it through folly and bad luck. The emotional rise and fall of Henchard is described with the greatest insight and sensitivity. Far from the Madding Crowd is the first of Hardy's Wessex tales. It relates the story of Bathsheba Everdene and the men who love her. Set against the farming community, tragedy and love unfold alongside the continual struggle of rural life.
Community banking can flourish in the face of fintech and global competition with a fresh approach to strategy Bankruption + Website offers a survival guide for community banks and credit unions searching for relevance amidst immense global competition and fintech startups. Author John Waupsh is the Chief Innovation Officer at Kasasa, where he helps spearhead financial product development and implementation across hundreds of institutions. In this guide, he draws on more than a decade in the industry to offer clear, practical advice for competing with the megabanks, direct banks, non-banks, and financial technology companies. The discussion separates futurist thinking from today's realities, and dispels common myths surrounding the U.S. community banking model in order to shed light on the real challenges facing community banking institutions. It follows with clear solutions, proven strategies, and insight from experts across banking and fintech. All arguments are backed by massive amounts of data, and the companion website provides presentation-ready visualizations to help you kickstart change within your team. In the U.S. and around the globe, fintech companies and non-banks alike are creating streams of banking services that are interesting, elegant, and refreshing—and they're winning the hearts and minds of early adopters. Not a one-size-fits-all approach, this book offers many different tactics for community banks and credit unions to compete and flourish in the new world. Analyze fintech's threat to the community banking model Learn where community banking must improve to compete Disprove the myths to uncover the real challenges banks face Adopt proven strategies to bring your organization into the future Community banks and credit unions were once the go-to institutions for local relationship banking, but their asset share has been on the decline for three decades as the big banks just got bigger. Now, fintech companies are exploiting inefficiencies in the traditional banking model to streamline service and draw even more market share, as community banking executives are left at a loss for fresh tactics and forward-looking strategy. Bankruption + Website shows how community banks can be saved, and provides a proven path to success.