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Money Lessons: How to manage your finances to get the life you want
by Lisa Conway-HughesIf you spent one hour a month nurturing your finances for the next twelve months, how would you feel this time next year, what would be different? Mapping out a plan for achieving your big goals and managing everyday spending, Money Lessons is your own pocket financial expert. Whether you have it or not, money is often as difficult to talk about as it is to handle. Many of us will at one point need advice on how to:- ask for a pay rise- save up to buy a place- pay for a mortgage- finance a career move- budget for a wedding- fund a big trip- get out of debt- retire comfortablyBuilding on her 15 years of experience helping countless people to make smart financial decisions, Lisa Conway-Hughes tackles these topics in a short guide to being savvy and getting what you want in every stage of your life. Full of expert knowledge and success stories, this is essential reading for anyone who wants to turn a dream into a plan - and eventually a reality.
Money, Mandates, and Local Control in American Public Education
by Bryan ShellyPointing to the disparities between wealthy and impoverished school districts in areas where revenue depends primarily upon local taxes, reformers repeatedly call for the centralization of school funding. Their proposals meet resistance from citizens, elected officials, and school administrators who fear the loss of local autonomy. Bryan Shelly finds, however, that local autonomy has already been compromised by federal and state governments, which exercise a tremendous amount of control over public education despite their small contribution to a school system's funding. This disproportionate relationship between funding and control allows state and federal officials to pass education policy yet excuses them from supplying adequate funding for new programs. The resulting unfunded and underfunded mandates and regulations, Shelly insists, are the true cause of the loss of community control over public education. Shelly outlines the effects of the most infamous of underfunded federal mandates, the No Child Left Behind Act of 2001 (NCLB), and explores why schools implemented it despite its unpopularity and out-of-pocket costs. Shelly's findings hold significant implications for school finance reform, NCLB, and the future of intergovernmental relations.
Money Matters in Medicine: Managing Personal Finances as a Physician
by Jordan D. FreyThis book addresses both the philosophical and more tangible actionable components of attaining financial well-being as a medical professional. In an engaging, narrative-driven format, it relays the importance of managing one’s finances—even with the high salary of a doctor. Money Matters in Medicine is an accessible, invaluable resource for early-career physicians who wish to incorporate intelligent money management skills in their development as medical professionals. Chapters include information on becoming financially literate, how to approach insurance, creating a savings rate, and the top mistakes most doctors make with their money. Though there are many financial self-help books in the market, this book stands out, as it rests on philosophies and core standards held by those in the medical community. It presents the strategies to promote financial well-being and ultimately help doctors become more effective physicians with financial freedom. The book includes easy-to-understand guidelines and intuitive steps for readers to take massive action in their lives to improve their financial well-being.
Money Matters Participant's Guide: Financial Freedom for All God's Children
by Mike SlaughterA complete stewardship kit to prepare your congregation for generosity. Outline (7 sessions): 1. The Celebration of Creation2. The Freedom of Simplicity3. The Life of Generosity4. The Trust of Rightful Ownership5. The Joy of Faithful Stewardship6. The Faith in Promised Provision7. The Commitment to Ultimate Sacrifice Target audience: Participants guide: small groups in congregation; with at least the trustees and the church board.
Money, Politics, and Law
by Karen DeMoss Kenneth K. WongThis yearbook offers research and insights to stimulate thought, inform debates, and explore future research directions.
Monica Plum's Horrid Problem: A Story For Children Of Troubled Parents (Helping Children with Feelings)
by Margot Sunderland Nicky ArmstrongThis is a story for children with troubled parents. Monica has a horrid problem. It gets everywhere: into her schoolwork, her dreams, and her ability to make friends. People keep telling her to cheer up. She can't. She feels as if she is carrying around some very heavy luggage. Then one day, a helpful teacher sees how miserable Monica is, and tells her about the knights in the world, who are posing as people. In a whispering wood, Monica finds some of these knights. They teach her how to make her problem far less horrid. In particular they show her how to cope when other people's problems weigh you down and make you feel miserable. Most importantly they show her how to do life well. Monica leaves whispering wood feeling empowered and ready to face what she could not face before.
Monitoring, Assessment, Recording, Reporting and Accountability, Second Edition: Meeting the Standards
by Rita HeadingtonThis comprehensive, practical second edition has been updated in line with the new standards for qualified teacher status, in particular the competence in monitoring and assessment. Writing primarily for student and newly qualified teachers, whose classroom experience is necessarily limited, the author takes pains to elucidate why to assess, what to assess and how to assess. Theory and practice are linked throughout by way of case studies, activities and discussion points. Question and answer format, children's work and authentic written records are used to exemplify monitoring and assessment in action as part of the planning cycle. Photocopiable examples of recording sheets and a glossary of terms provide readers with valuable starting points for their own practice.
Monitoring Progress Toward Successful K-12 STEM Education
by Committee on the Evaluation Framework for Successful K-12 STEM Education Board on Testing and Assessment Division of Behavioral and Social Sciences and Education National Research Council Board on Science EducationFollowing a 2011 report by the National Research Council (NRC) on successful K-12 education in science, technology, engineering, and mathematics (STEM), Congress asked the National Science Foundation to identify methods for tracking progress toward the report's recommendations. In response, the NRC convened the Committee on an Evaluation Framework for Successful K-12 STEM Education to take on this assignment. The committee developed 14 indicators linked to the 2011 report's recommendations. By providing a focused set of key indicators related to students' access to quality learning, educator's capacity, and policy and funding initiatives in STEM, the committee addresses the need for research and data that can be used to monitor progress in K-12 STEM education and make informed decisions about improving it. The recommended indicators provide a framework for Congress and relevant deferral agencies to create and implement a national-level monitoring and reporting system that: assesses progress toward key improvements recommended by a previous National Research Council (2011) committee; measures student knowledge, interest, and participation in the STEM disciplines and STEM-related activities; tracks financial, human capital, and material investments in K-12 STEM education at the federal, state, and local levels; provides information about the capabilities of the STEM education workforce, including teachers and principals; and facilitates strategic planning for federal investments in STEM education and workforce development when used with labor force projections. All 14 indicators explained in this report are intended to form the core of this system. Monitoring Progress Toward Successful K-12 STEM Education: A Nation Advancing? summarizes the 14 indicators and tracks progress towards the initial report's recommendations.
Monitoring School Performance: A Guide For Educators
by J. Douglas WillmsFirst published in 1992. Routledge is an imprint of Taylor & Francis, an informa company.
Monitoring State Compliance with the UN Convention on the Rights of the Child: An Analysis of Attributes (Children’s Well-Being: Indicators and Research #25)
by Ziba Vaghri Jean Zermatten Gerison Lansdown Roberta RuggieroThis open access book presents a discussion on human rights-based attributes for each article pertinent to the substantive rights of children, as defined in the United Nations Convention on the Rights of the Child (UNCRC). It provides the reader with a unique and clear overview of the scope and core content of the articles, together with an analysis of the latest jurisprudence of the UN Committee on the Rights of the Child. For each article of the UNCRC, the authors explore the nature and scope of corresponding State obligations, and identify the main features that need to be taken into consideration when assessing a State’s progressive implementation of the UNCRC. This analysis considers which aspects of a given right are most important to track, in order to monitor States' implementation of any given right, and whether there is any resultant change in the lives of children. This approach transforms the narrative of legal international standards concerning a given right into a set of characteristics that ensure no aspect of said right is overlooked. The book develops a clear and comprehensive understanding of the UNCRC that can be used as an introduction to the rights and principles it contains, and to identify directions for future policy and strategy development in compliance with the UNCRC. As such, it offers an invaluable reference guide for researchers and students in the field of childhood and children’s rights studies, as well as a wide range of professionals and organisations concerned with the subject.
Monitoring Student Achievement in the 21st Century: European Policy Perspectives and Assessment Strategies
by Heidi Harju-Luukkainen Nele McElvany Justine StangThis book draws together leading student assessment academics from across Europe exploring student monitoring policies and practices in a range of countries across 22 chapters. The chapters in the first part offer a broad overview on student assessment covering history and current status, aims and approaches as well as methodological challenges of international student assessment. The second part presents country specific chapters provide an in depth look examining country specific policy and practices and findings of national and/or international assessments. Findings are critically discussed and recommendations are made for further development of each country's assessment context. The book shows similarities and differences within the educational assessment landscape as well as complexity and similarities in assessment policy documents and strategies, Given the globalized world we live in today, this book fills a need in the higher educational context and is intended for for policy makers in different countries as well.
The Monk And The Martyr: The Monk As The Successor Of The Martyr
by Edward E. MaloneThe ideal of Christian perfection does not change from age to age but remains forever essentially the same. Nevertheless, the manner in which Christians attempt to realize that ideal in their own lives may vary considerably according to the age in which they live, and according to the circumstances in which they find themselves placed. During the apostolic age, and during the time of the great persecutions, when almost every Christian might expect to end his life as a martyr, the disposition to offer one’s life for the faith was considered the highest expression of Christian perfection.When the age of the martyrs had passed, it became necessary for the Christian to express his desire to imitate Christ in some other way. Many Christians wishing to disengage their affection entirely from the world, sought to apply the evangelical counsels to their lives in a very literal fashion. This ascetical ideal was accepted by many of the rigorists of the second century as a substitute for martyrdom as the highest expression of the love of God. Thus the ascetical life came to be looked upon as a martyrium cotidianum, and the concept of spiritual martyrdom was born.
Monkey Brother
by Adam AuerbachA clever and surprising tale of sibling rivalry and unconditional love from an Ezra Jack Keats Honor Award winner.Little brothers can be a handful. They’re wild and messy. They follow you everywhere and they love to copy everything you do. But what if your little brother was a monkey? Would he drag you into a special kind of monkey mischief? Find out in Monkey Brother, a clever and surprising tale of sibling rivalry and unconditional love from Ezra Jack Keats Honor Award winner, Adam Auerbach.A Christy Ottaviano Book
Monkey Fun! (Xist Children's Books)
by Julia DweckMonkey Fun! proves that you’re never too young to begin your learning adventure. It’s a barrel of fun and chock full of interesting monkey facts written in easy to understand rhyming verse for toddlers ages 0-4. “That’s not a monkey who’s peeling a grape. Bigger and tailless, he must be an ape.” “Monkeys who live in a family group, travel together and share with their troop.” Bold, colorful illustrations by Aida Barba Flores will capture the attention of young readers and aid in story comprehension. This is an edutaining rhyming adventure that offers fun learning resources in the back of the book including, Mrs. Dweck’s monkey facts and a monkey counting game.
Monkey Goes to Hospital (Experiences Matter)
by Sue GravesMonkey Goes to Hospital offers a gentle introduction to the experience of needing hospital treatment for young children.This funny, charming story is the perfect way to introduce young children to the experience of visiting a hospital. Also included are suggestions for activities and ideas to talk through together to help children reflect on their own experiences.Monkey is having so much fun climbing the big tree that he isn't careful and he falls. Dad says he will need to go to hospital for a check-up, but Monkey is worried. Luckily, the doctor at the hospital is very kind.The Experiences Matter series of picture books provide a gentle means of discussing experiences, boosting self-esteem and reinforcing good behaviour. Supports the Personal, Social and Emotional Development Area of Learning in the Early Years Foundation Stage, and is also suitable for use with children in KS1 and can be used to discuss values. Suitable for children under 5.
The Monkey Trial: John Scopes and the Battle over Teaching Evolution
by Anita SanchezRevealing little-known facts about the fight to teach evolution in schools, this riveting account of the dramatic 1925 Scopes Trial (aka “the Monkey Trial”) speaks directly to today’s fights over what students learn, the tension between science and religion, the influence of the media on public debate, and the power of one individual to change history. Arrested? For teaching? John Scopes’s crime riveted the world, and crowds flocked to the trial of the man who dared to tell students about a forbidden topic—evolution.The year was 1925, and discussing Darwin’s theory of evolution was illegal in Tennessee classrooms. Lawyers wanted to challenge the law, and businessmen smelled opportunity. But no one imagined the firestorm the Scopes Trial would ignite—or the media circus that would follow.As reporters, souvenir-hawking vendors, angry protestors, and even real monkeys mobbed the courthouse, a breathless public followed the action live on national radio broadcasts. All were fascinated by the bitter duel between science and religion, an argument that boiled down to the question of who controls what students can learn—an issue that resonates to this day.Through contemporary visuals and evocative prose, Anita Sanchez vividly captures the passion, personalities, and pageantry of the infamous “Monkey Trial,” highlighting the quiet dignity of the teacher who stood up for his students’ right to learn.
Monkey's Tail: Independent Reading Orange 6 (Reading Champion #1076)
by Sarah SnashallThis story is part of Reading Champion, a series carefully linked to book bands to encourage independent reading skills, developed with Dr Sue Bodman and Glen Franklin of UCL Institute of Education (IOE)Reading Champion offers independent reading books for children to practise and reinforce their developing reading skills.Fantastic, original stories are accompanied by engaging artwork and a reading activity. Each book has been carefully graded so that it can be matched to a child's reading ability, encouraging reading for pleasure. Perfect for 5-7 year olds or those reading book band orange.
Mono y Pastel: Un libro de Mono y Pastel (Monkey and Cake)
by Drew DaywaltMeet Monkey and Cake. Cake has lots of questions. Monkey has lots of answers. They are silly. They are curious. Sometimes they fight. But Monkey and Cake are always best friends.¡La versión en español de Monkey and Cake: What Is Inside This Box?!Mono y Pastel no se ponen de acuerdo sobre el contenido de la misteriosa caja de Mono. ¿Será un gatito? ¿Un dinosaurio tal vez? ¿Qué crees tú que hay en la caja? From the #1 New York Times bestselling author of The Day the Crayons Quit and The Legend of Rock Paper Scissors, Drew Daywalt, and illustrator Olivier Tallec, comes a fresh new duo Monkey and Cake. In this book, Monkey and Cake cannot agree what's inside Monkey's mysterious box. Is it a kitty? Is it a dinosaur? How will they find out -- and what do you think is inside?With Daywalt's signature quirky style, the relatable humor of Elephant and Piggie, and the wise friendship of Frog and Toad, Monkey and Cake invites readers to laugh along and let their imaginations soar.
Monochromatic HDR Photography: Shooting And Processing Black And White High Dynamic Range Photos
by Harold DavisUpdate: The Kindle version of Monochromatic HDR Photography: Shooting and Processing Black & White High Dynamic Range Photos currently available for sale has been corrected and updated to address formatting issues. Monochromatic HDR Photography is the first book intended to show photographers how to work at the intersection of two up-and-coming trends that are at the forefront of the digital revolution: Black & White and High Dynamic Range imaging. The book explains techniques for extending dynamic range, monochromatic conversion methods and best practices where the two technologies intersect. Since successful digital monochromatic image creation generally requires using the color information inherent in RAW exposures, most case studies will be presented in full color. In addition, Monochromatic HDR Photography provides extensive coverage of the creative vision required to successfully create monochromatic HDR images and the workflow necessary to make art prints from this specialized image making technique.
Monograms and Alphabetic Devices
by Hayward Cirker Blanche CirkerThis book contains the entire contents of four fine volumes of monogram and allied devices published between 1830 and 1881. Over 2,500 monogrammatic and alphabetic designs are displayed in plates from "Dictionnaire du Chiffre-monogramme," etc., by Charles Demengeot (1881); "Monograms and Ciphers," by H. Renoir (1870-74); "Knight's New Book of Seven Hundred & Fifty Eight Plain, Ornamented & Reversed Cyphers" (1830); and "Monograms in Three and Four Letters," by J. Gordon Smith (n.d.).There are monograms in every two-letter combination and extensive selections of three and four letters; name devices ("Alice," "Theodore," etc.), crowns, crests, coats of arms and helmets. There are heavy, intricately entwined monograms that appear as though engraved on metal; lighter, thick-and-thin script styles; fanciful and formal designs; monograms in circles, ovals, square shapes, and free outline; and an immense variety of letter styles, including many designed for the particular device.A notable feature of this volume is the Index of Monograms and Ciphers, listing alphabetically every letter combination shown and the page or pages on which each appears ("S W", for example, is drawn in three different styles; "A L" in five; but "F N H W" in only one); and an Index of Names and Devices. Both features add greatly to the usefulness of the book. Importantly, every device shown may be reproduced by the purchaser free of charge.Artists, designers, engravers, and craftspeople will find this book a prolific source of inspiration and unusual styles; typographers, calligraphers, draftspeople , and students will use it as an aid in creating their own letter designs; while those in the printing, publishing, advertising, and allied fields will call upon it whenever a distinctive monogram or decoration is needed.
Monstar and the Haunted House (Early Reader)
by Steve ColeFull colour Early Reader from Astrosaurs author and DOCTOR WHO script writer, Steve Cole, about Monstar, the furry green monster and her Hallowe'en trip to the haunted manor!Early Readers are stepping stones from picture books to reading books perfect for building confidence in new readers and reluctant readers. A blue Early Reader is perfect for sharing and reading together. A red Early Reader is the next step on your reading journey.She's green. She's fluffy. She's . . . MONSTAR!It's Hallowe'en and Monstar's off to visit Cousin Frankengrot at his haunted manor for some spooky fun!A delightful Early Reader story from Steve Cole, author of the Astrosaurs books, and a talented DOCTOR WHO script writer. With full colour artwork on every page by award-winning illustrator Pete Williamson, who has also illustrated for Francesca Simon and Marcus Sedgwick.
Monstar Makes a Wish (Early Reader)
by Steve ColeEarly Readers are stepping stones from picture books to reading books. A blue Early Reader is perfect for sharing and reading together. A red Early Reader is the next step on your reading journey.She's green. She's fluffy. She's... MONSTAR.When Monstar digs a tunnel to a Top Secret workshop, she finds a magic lamp! Now all of her wishes can come true...A charming, heart-warming Early Reader story from Steve Cole, author of the Astrosaurs books, and a talented DOCTOR WHO script writer. With full colour artwork on every page by award-winning illustrator Pete Wiliamson, who has also illustrated for Francesca Simon and Marcus Sedgwick.
Monstar's Messy School Day (Early Reader)
by Steve ColeA brand-new red full colour Early Reader story from ASTROSAURS author and DOCTOR WHO script writer, Steve Cole, about the lovable pet Monstar and her first day at school.Early Readers are stepping stones from picture books to reading books, perfect for building confidence in new readers and reluctant readers. A blue Early Reader is perfect for sharing and reading together. A red Early Reader is the next step on your reading journey.She's green. She's fluffy. She's . . . MONSTAR!Jen and Jon are bringing Monstar to school for the day - and she's so excited! But they had better hope their teacher is ready for her - as there's classroom chaos is in store for everyone.A delightful, heart-warming Early Reader story from Steve Cole, author of the ASTROSAURS books, and a talented DOCTOR WHO script writer. With full colour artwork on every page by award-winning illustrator Pete Williamson, who has illustrated for Francesca Simon and Marcus Sedgwick.
Monstar's Perfect Pet (Early Reader)
by Steve ColeEarly Readers are stepping stones from picture books to reading books. A blue Early Reader is perfect for sharing and reading together. A red Early Reader is the next step on your reading journey.She's green. She's fluffy. She's . . . MONSTAR.Monstar's been given her very own 'hamstar' as a pet, but when it accidentally gets turned into a giant and escapes, can our favourite furry monster save the day? A charming, heart-warming Early Reader story from Steve Cole, author of Astrosaurs, and the Young Bond books. With full colour artwork on every page by award-winning illustrator Pete Wiliamson, who has also illustrated for Francesca Simon and Marcus Sedgwick.
Monster Academy
by Jane Yolen Heidi E. StempleWhere do monsters go to school? Monster Academy! And anything can happen when your teacher is Miss Mummy. It's not like any other school, but if you're a little monster, you'll fit right in!Come along with Principal Frank N. Stein into a bright, energetic classroom where the class pet is a big purple boa constrictor, recess is in a swamp, and class bats help build a Creepy Castle in the Monster Maker's Lab. When Tornado Jo, a new student, roars into class, a storm is brewing. Who could ever guess that her new best friend will be a vampire, and she'll help him find his missing fang? Award-winning writer Jane Yolen teams up with her daughter, Heidi, to present colorful monster children who have familiar human issues such as making friends and learning to help others. In a final twist, Tornado Jo -- the worst behaved student -- is revealed to be an out-of-control human, not a monster after all. Oh, no! Monsters are more afraid of humans than we are of them! Everybody runs! Laugh-aloud humor is enhanced by John McKinley's highly imaginative illustrations loaded with fun and hidden jokes tucked into the art. An irresistible romp from start to finish!