The 40-year history of how Democrats chose political opportunity over addressing inequality—and how the poor have paid the price For decades, the Republican Party has been known as the party of the rich: arguing for “business-friendly” policies like deregulation and tax cuts. But this incisive political history shows that the current inequality crisis was also enabled by a Democratic Party that catered to the affluent. The result is one of the great missed opportunities in political history: a moment when we had the chance to change the lives of future generations and were too short-sighted to take it. Historian Lily Geismer recounts how the Clinton-era Democratic Party sought to curb poverty through economic growth and individual responsibility rather than asking the rich to make any sacrifices. Fueled by an ethos of “doing well by doing good,” microfinance, charter schools, and privately funded housing developments grew trendy. Though politically expedient and sometimes profitable in the short term, these programs fundamentally weakened the safety net for the poor. This piercingly intelligent book shows how bygone policy decisions have left us with skyrocketing income inequality and poverty in America and widened fractures within the Democratic Party that persist to this day.

ESSENTIALS OF PERSONAL FINANCIAL PLANNING Essentials of Personal Financial Planning was written to challenge the status quo by promoting personal financial planning (PFP) as a profession, not as a sales tool to gather assets under management or facilitate sales of insurance products. The book takes a comprehensive and integrated approach to PFP for accounting students, allowing them to view the profession through the lens of a CPA – with integrity and objectivity. This book systematically introduces the essentials of all the major PFP topics (estate, retirement, investments, insurance, and tax), as well as: The PFP process, concepts and regulatory environment. Professional responsibilities of a CPA personal financial planner and the requirements of the Statement on Standards in PFP Services. Time value of money concepts. The book then builds on these foundational concepts, showing their interconnectivity and professional opportunities, to provide a deeper understanding of PFP and its application. After reading this book, students will be able to apply the knowledge and skills gained from this course to have an immediate and long-term positive impact for themselves and for the clients they serve.

Interest in Financial Services Marketing has grown hugely over the last few decades, particularly since the financial crisis, which scarred the industry and its relationship with customers. It reflects the importance of the financial services industry to the economies of every nation and the realisation that the consumption and marketing of financial services differs from that of tangible goods and indeed many other intangible services. This book is therefore a timely and much needed comprehensive compendium that reflects the development and maturation of the research domain, and pulls together, in a single volume, the current state of thinking and debate. The events associated with the financial crisis have highlighted that there is a need for banks and other financial institutions to understand how to rebuild trust and confidence, improve relationships and derive value from the marketing process. Edited by an international team of experts, this book will provide the latest thinking on how to manage such challenges and will be vital reading for students and lecturers in financial services marketing, policy makers and practitioners.

Based on the success of Fourier analysis and Hilbert space theory, orthogonal expansions undoubtedly count as fundamental concepts of mathematical analysis. Along with the need for highly involved functions systems having special properties and analysis on more complicated domains, harmonic analysis has steadily increased its importance in modern mathematical analysis. Deep connections between harmonic analysis and the theory of special functions have been discovered comparatively late, but since then have been exploited in many directions. The Inzell Lectures focus on the interrelation between orthogonal polynomials and harmonic analysis.

Writing in their famous Harvard Law Review article of 1890, Louis Brandeis and Samuel Warren asserted what many have considered one of the most cherished American values: the right to be let alone. Yet in this post-9/11 world, personal privacy is more threatened than ever. This book provides students and general readers a comprehensive overview of privacy in contemporary America. Included are some 225 alphabetically arranged entries written by more than 100 expert contributors. Entries cover such topics as the USA PATRIOT act, abortion rights, wiretapping, telemarketing, identity theft, DNA databases, Internet and email privacy, and numerous other concerns. Entries cite works for further reading, and the Encyclopedia closes with a bibliography of books, websites, organizations, and films. New threats to privacy have arisen in the face of competing social, political, and economic demands, rapid technological change, and an intrusive and voyeuristic mass media. Citizens are barraged on a daily basis with stories of corporate data mining, government surveillance programs, identity theft, and computer hacking of personal information. As a result, citizens are becoming increasingly concerned about their personal privacy as well as their privacy rights. This encyclopedia, the first of its kind, comprehensively overviews various aspects of privacy throughout U.S. history, including significant legal cases, events, laws, organizations, individuals, technology, and terms. With some 225 alphabetically arranged entries written by more than 100 leading scholars and experts in the field, this inclusive and authoritative work will appeal to those interested in both historical and contemporary notions of privacy in the United States. Readers will learn of the significance of technology in today's society, its helpful and harmful effects on citizens' privacy, and what to expect in the future. Entries cite print and electronic resources, and the Encyclopedia closes with a listing of books, organizations, websites, films, and other sources of information.

Information technology and accounting have developed interdependently. From ancient Mesopotamia to the global economy, business growth has depended on accurate information gathered and reported in a timely fashion. So why do so many accounting IT projects fall victim to misunderstanding, miscommunication and sibling rivalry? This is the essential guide for IT and project management professionals who struggle to give auditors and accounting departments what they want. Learn how to talk the talk, walk the walk and make the friggin’ bean counters happy while completing your project on time and on budget. IT and project management professionals will learn how to: Understand the regulatory and accounting requirements within the company Implement systems and controls that satisfy such crucial regulations as Generally Accepted Accounting Principles, the Sarbanes-Oxley Act, the Health Insurance Portability and Accountability Act and the European Union Data Protection Directive Improve IT project success rates by ensuring that new applications can be properly controlled and documented Overcome project-killing objections like “We can’t do that, because Sarbanes-Oxley does not allow it.” Reduce the risk of financial statement fraud by building a solid partnership between the IT and accounting departments.

Thoroughly revised and updated to address the many changes in this evolving field, the third edition of Legal and Privacy Issues in Information Security addresses the complex relationship between the law and the practice of information security. Information systems security and legal compliance are required to protect critical governmental and corporate infrastructure, intellectual property created by individuals and organizations alike, and information that individuals believe should be protected from unreasonable intrusion. Organizations must build numerous information security and privacy responses into their daily operations to protect the business itself, fully meet legal requirements, and to meet the expectations of employees and customers. Instructor Materials for Legal Issues in Information Security include: PowerPoint Lecture Slides Instructor's Guide Sample Course Syllabus Quiz & Exam Questions Case Scenarios/Handouts New to the third Edition: • Includes discussions of amendments in several relevant federal and state laws and regulations since 2011 • Reviews relevant court decisions that have come to light since the publication of the first edition • Includes numerous information security data breaches highlighting new vulnerabilities