Bøger af Tiffany Tang

Very soon your child will be going to college or university. Not knowing good money management skills will cause them to be at risk of excessive spending and debt. Financial literacy is the most important skill that your child will ever acquire. The knowledge and interactive tools in this book will help them to understand their finances better, and learn to set dreams and goals to achieve financial independence before they start work. What are some of the benefits your child will be getting? 1. Budgeting - with easy to follow step-by-step guides, your child will learn to create a personal financial statement. They will acquire the skill of prioritize spending and deferred gratification. This is an important skill that even adults lack. It will indeed help them in many financial decision in the future. 2. Credit card debt - your child will have their credit card when they join the workforce later. It will give them a better understanding about credit card and how to be a responsible credit card user without falling into the trap of excessive credit card usage. 3. Compounding interest - interest can work in your favour when it is interest income and against you when it is interest expense. Your child will learn how compounding interest income can be their good friend when they introduced with different saving options. It will be an open-eye to them when they build a bigger pool of funds for investment in the future.

By applying the knowledge and tools presented in this book, you will learn to manage money wisely and develop good financial habits; and these sound financial habits will in turn become your building blocks for a secure future. What are some of the benefits you will be getting? 1. Budgeting - this book provides you step-by-step guides to create your own personal financial statement. This is an important skill that even adults lack. It is also an often-used skill by Managers and Investors to understand a company's financial health. This will be a very useful tool for fundamental analysis for investment in stocks, mutual funds, REITs, bond funds and etc. 2. Home mortgage calculation - properties have always been perceived as one of the most lucrative investment assets. Especially for the newly graduated, you wish to have your own property soon. When you learn to calculate the cost in investing in a property (this website also provide you a free mortgage calculator under the Resources page), you'll understand the available investment options that will make your money grow. 3. Credit card debt - you will have your own credit card very soon when you join the workforce. It will make you a more responsible credit card user when you learn to calculate credit card debt. You will also learn many tips to manage your credit cards to prevent yourself from falling into the trap of excessive credit card usage. 4. Maximizing your career income - This is about learning other aspects of career success such as emotional intelligence (EQ). By doing so, you will greatly increase your career income. 5. Multiply your streams of income - besides your full time job, you can also increase your side income by learning ways to create mutiple streams of income without quitting your job.

This book constitutes the refereed proceedings of 5 workshops of the 15th International Conference on Web-Age Information Management, WAIM 2014, held in Macau, China, June 16-18, 2014.The 38 revised full papers are organized in topical sections on the 5 following workshops: Second International Workshop on Emergency Management in Big Data Age, BigEM 2014; Second International Workshop on Big Data Management on Emerging Hardware, HardBD 2014; International Workshop on Data Management for Next-Generation Location-based Services, DaNoS 2014; International Workshop on Human Aspects of Making Recommendations in Social Ubiquitous Networking Environment, HRSUME 2014; International Workshop on Big Data Systems and Services, BIDASYS 2014.