June, 2021

now browsing by month

 

Love Your Family Save Like PDF 3c676094d

[Pub.13seT] Download :

If You Love Your Family, Save Like It: Money Management for Modern America PDF




by Nicole Peterkin : If You Love Your Family, Save Like It: Money Management for Modern America

ISBN : #1681021099 | Date : 2017-08-15

Description :

PDF-279d9 | Imagine knowing for certain when and how your financial goals will be achieved. Imagine having a plan to build true wealth―while not feeling guilty about how you spend the rest of your money.  Imagine being able to work half as hard at the money game while having twice as much to show for it. Growing up, Nicole Peterkin saw how her dad, a successful chemical engineer, did all the “right” th… If You Love Your Family, Save Like It: Money Management for Modern America


Download eBook If You Love Your Family, Save Like It: Money Management for Modern America by Nicole Peterkin across multiple file-formats including EPUB, DOC, and PDF.

PDF: If You Love Your Family, Save Like It: Money Management for Modern America

ePub: If You Love Your Family, Save Like It: Money Management for Modern America

Doc: If You Love Your Family, Save Like It: Money Management for Modern America

Follow these steps to enable get access If You Love Your Family, Save Like It: Money Management for Modern America:

Download: If You Love Your Family, Save Like It: Money Management for Modern America PDF



[Pub.90RDj] If You Love Your Family, Save Like It: Money Management for Modern America PDF | by Nicole Peterkin


If You Love Your Family, Save Like It: Money Management for Modern America by by Nicole Peterkin

This If You Love Your Family, Save Like It: Money Management for Modern America book is not really ordinary book, you have it then the world is in your hands. The benefit you get by reading this book is actually information inside this reserve incredible fresh, you will get information which is getting deeper an individual read a lot of information you will get. This kind of If You Love Your Family, Save Like It: Money Management for Modern America without we recognize teach the one who looking at it become critical in imagining and analyzing. Don’t be worry If You Love Your Family, Save Like It: Money Management for Modern America can bring any time you are and not make your tote space or bookshelves’ grow to be full because you can have it inside your lovely laptop even cell phone. This If You Love Your Family, Save Like It: Money Management for Modern America having great arrangement in word and layout, so you will not really feel uninterested in reading.

Read Online: If You Love Your Family, Save Like It: Money Management for Modern America PDF



Low Carbon Economy Understanding Sustainable PDF 70862b677

[Pub.21zPR] Download :

The Low Carbon Economy: Understanding and Supporting a Sustainable Transition PDF




: The Low Carbon Economy: Understanding and Supporting a Sustainable Transition

ISBN : #3319567527 | Date : 2017-10-19

Description :

PDF-c6178 | This edited collection explores the challenges and opportunities presented by the transition to a low carbon economy, and outlines the different approaches taken to ensure the sustainability of such a transition. Chapters explore the nature of the transformation from a ‘brown’ to ‘green’ economy, the importance of effective carbon measurement and management methodologies, the use of behavi… The Low Carbon Economy: Understanding and Supporting a Sustainable Transition


Download eBook The Low Carbon Economy: Understanding and Supporting a Sustainable Transition across multiple file-formats including EPUB, DOC, and PDF.

PDF: The Low Carbon Economy: Understanding and Supporting a Sustainable Transition

ePub: The Low Carbon Economy: Understanding and Supporting a Sustainable Transition

Doc: The Low Carbon Economy: Understanding and Supporting a Sustainable Transition

Follow these steps to enable get access The Low Carbon Economy: Understanding and Supporting a Sustainable Transition:

Download: The Low Carbon Economy: Understanding and Supporting a Sustainable Transition PDF



[Pub.87PlM] The Low Carbon Economy: Understanding and Supporting a Sustainable Transition PDF |


The Low Carbon Economy: Understanding and Supporting a Sustainable Transition by

This The Low Carbon Economy: Understanding and Supporting a Sustainable Transition book is not really ordinary book, you have it then the world is in your hands. The benefit you get by reading this book is actually information inside this reserve incredible fresh, you will get information which is getting deeper an individual read a lot of information you will get. This kind of The Low Carbon Economy: Understanding and Supporting a Sustainable Transition without we recognize teach the one who looking at it become critical in imagining and analyzing. Don’t be worry The Low Carbon Economy: Understanding and Supporting a Sustainable Transition can bring any time you are and not make your tote space or bookshelves’ grow to be full because you can have it inside your lovely laptop even cell phone. This The Low Carbon Economy: Understanding and Supporting a Sustainable Transition having great arrangement in word and layout, so you will not really feel uninterested in reading.

Read Online: The Low Carbon Economy: Understanding and Supporting a Sustainable Transition PDF



Slash Your Retirement Risk Investment PDF 9497e1ee8

[Pub.25UCh] Download :

Slash Your Retirement Risk: How to Make Your Money Last with a Simple, Safe, and Secure Investment Plan PDF




by Chris Cook : Slash Your Retirement Risk: How to Make Your Money Last with a Simple, Safe, and Secure Investment Plan

ISBN : #1632650886 | Date : 2017-09-18

Description :

PDF-8ed1d | When it comes to retirement investing, too much emphasis today is on investments returns, which often come at the expense of income dependability and peace of mind. Slash Your Retirement Risk redefines how to invest for retirement to maximize your reliable income and stabilize your financial future.Rather than the typical approach to portfolio management―focusing on returns and ignoring dramatic… Slash Your Retirement Risk: How to Make Your Money Last with a Simple, Safe, and Secure Investment Plan


Download eBook Slash Your Retirement Risk: How to Make Your Money Last with a Simple, Safe, and Secure Investment Plan by Chris Cook across multiple file-formats including EPUB, DOC, and PDF.

PDF: Slash Your Retirement Risk: How to Make Your Money Last with a Simple, Safe, and Secure Investment Plan

ePub: Slash Your Retirement Risk: How to Make Your Money Last with a Simple, Safe, and Secure Investment Plan

Doc: Slash Your Retirement Risk: How to Make Your Money Last with a Simple, Safe, and Secure Investment Plan

Follow these steps to enable get access Slash Your Retirement Risk: How to Make Your Money Last with a Simple, Safe, and Secure Investment Plan:

Download: Slash Your Retirement Risk: How to Make Your Money Last with a Simple, Safe, and Secure Investment Plan PDF



[Pub.13skc] Slash Your Retirement Risk: How to Make Your Money Last with a Simple, Safe, and Secure Investment Plan PDF | by Chris Cook


Slash Your Retirement Risk: How to Make Your Money Last with a Simple, Safe, and Secure Investment Plan by by Chris Cook

This Slash Your Retirement Risk: How to Make Your Money Last with a Simple, Safe, and Secure Investment Plan book is not really ordinary book, you have it then the world is in your hands. The benefit you get by reading this book is actually information inside this reserve incredible fresh, you will get information which is getting deeper an individual read a lot of information you will get. This kind of Slash Your Retirement Risk: How to Make Your Money Last with a Simple, Safe, and Secure Investment Plan without we recognize teach the one who looking at it become critical in imagining and analyzing. Don’t be worry Slash Your Retirement Risk: How to Make Your Money Last with a Simple, Safe, and Secure Investment Plan can bring any time you are and not make your tote space or bookshelves’ grow to be full because you can have it inside your lovely laptop even cell phone. This Slash Your Retirement Risk: How to Make Your Money Last with a Simple, Safe, and Secure Investment Plan having great arrangement in word and layout, so you will not really feel uninterested in reading.

Read Online: Slash Your Retirement Risk: How to Make Your Money Last with a Simple, Safe, and Secure Investment Plan PDF



Inherited IRAs What Every Practitioner PDF 4f46bec1a

[Pub.93SwF] Download :

Inherited IRAs: What Every Practitioner Must Know, 2017 PDF




by Seymour Goldberg : Inherited IRAs: What Every Practitioner Must Know, 2017

ISBN : #1634257359 | Date : 2017-08-01

Description :

PDF-43edc | In April 2016, the US Department of Labor issued a final fiduciary rule, which significantly affects advisors who render investment advice to Individual Retirement Account owners by expanding the “investment advice fiduciary” definition under the Employment Retirement Income Security Act of 1974 (ERISA) and modifying the complex of prohibited transaction exemptions for investment activities in… Inherited IRAs: What Every Practitioner Must Know, 2017


Download eBook Inherited IRAs: What Every Practitioner Must Know, 2017 by Seymour Goldberg across multiple file-formats including EPUB, DOC, and PDF.

PDF: Inherited IRAs: What Every Practitioner Must Know, 2017

ePub: Inherited IRAs: What Every Practitioner Must Know, 2017

Doc: Inherited IRAs: What Every Practitioner Must Know, 2017

Follow these steps to enable get access Inherited IRAs: What Every Practitioner Must Know, 2017:

Download: Inherited IRAs: What Every Practitioner Must Know, 2017 PDF



[Pub.17BQB] Inherited IRAs: What Every Practitioner Must Know, 2017 PDF | by Seymour Goldberg


Inherited IRAs: What Every Practitioner Must Know, 2017 by by Seymour Goldberg

This Inherited IRAs: What Every Practitioner Must Know, 2017 book is not really ordinary book, you have it then the world is in your hands. The benefit you get by reading this book is actually information inside this reserve incredible fresh, you will get information which is getting deeper an individual read a lot of information you will get. This kind of Inherited IRAs: What Every Practitioner Must Know, 2017 without we recognize teach the one who looking at it become critical in imagining and analyzing. Don’t be worry Inherited IRAs: What Every Practitioner Must Know, 2017 can bring any time you are and not make your tote space or bookshelves’ grow to be full because you can have it inside your lovely laptop even cell phone. This Inherited IRAs: What Every Practitioner Must Know, 2017 having great arrangement in word and layout, so you will not really feel uninterested in reading.

Read Online: Inherited IRAs: What Every Practitioner Must Know, 2017 PDF



Suddenly Charge 2nd Managing Succeeding PDF Fe6bb027c

[Pub.00VdT] Download :

Suddenly in Charge 2nd Edition: Managing Up Managing Down Succeeding All Around PDF




by Roberta Matuson : Suddenly in Charge 2nd Edition: Managing Up Managing Down Succeeding All Around

ISBN : #1473656052 | Date : 2017-09-19

Description :

PDF-a2d0f | As companies reorganize and reengineer, people are finding themselves tossed into management every day with little to no training or preparation. Literally two books in one, Suddenly in Charge provides all of the tools necessary to be successful at managing up and down the line of any organization. In addition to updates to all chapters, this revised and updated edition features 7 new chapters ali… Suddenly in Charge 2nd Edition: Managing Up Managing Down Succeeding All Around


Download eBook Suddenly in Charge 2nd Edition: Managing Up Managing Down Succeeding All Around by Roberta Matuson across multiple file-formats including EPUB, DOC, and PDF.

PDF: Suddenly in Charge 2nd Edition: Managing Up Managing Down Succeeding All Around

ePub: Suddenly in Charge 2nd Edition: Managing Up Managing Down Succeeding All Around

Doc: Suddenly in Charge 2nd Edition: Managing Up Managing Down Succeeding All Around

Follow these steps to enable get access Suddenly in Charge 2nd Edition: Managing Up Managing Down Succeeding All Around:

Download: Suddenly in Charge 2nd Edition: Managing Up Managing Down Succeeding All Around PDF



[Pub.25uiP] Suddenly in Charge 2nd Edition: Managing Up Managing Down Succeeding All Around PDF | by Roberta Matuson


Suddenly in Charge 2nd Edition: Managing Up Managing Down Succeeding All Around by by Roberta Matuson

This Suddenly in Charge 2nd Edition: Managing Up Managing Down Succeeding All Around book is not really ordinary book, you have it then the world is in your hands. The benefit you get by reading this book is actually information inside this reserve incredible fresh, you will get information which is getting deeper an individual read a lot of information you will get. This kind of Suddenly in Charge 2nd Edition: Managing Up Managing Down Succeeding All Around without we recognize teach the one who looking at it become critical in imagining and analyzing. Don’t be worry Suddenly in Charge 2nd Edition: Managing Up Managing Down Succeeding All Around can bring any time you are and not make your tote space or bookshelves’ grow to be full because you can have it inside your lovely laptop even cell phone. This Suddenly in Charge 2nd Edition: Managing Up Managing Down Succeeding All Around having great arrangement in word and layout, so you will not really feel uninterested in reading.

Read Online: Suddenly in Charge 2nd Edition: Managing Up Managing Down Succeeding All Around PDF



Master Your Time Life Breakthrough PDF 97af4cf93

[Pub.18WQM] Download :

Master Your Time, Master Your Life: The Breakthrough System to Get More Results, Faster, in Every Area of Your Life PDF




by Brian Tracy : Master Your Time, Master Your Life: The Breakthrough System to Get More Results, Faster, in Every Area of Your Life

ISBN : #0399183825 | Date : 2017-10-10

Description :

PDF-36e58 | Discover 10 Essential Ways to Make the Most of Your Time“Time is money,” as the saying goes, but most of us never feel we have enough of either. In Master Your Time, Master Your Life, internationally acclaimed productivity expert and bestselling author Brian Tracy presents a brilliant new approach to time management that will help you gain control of your time and accomplish far more, faster a… Master Your Time, Master Your Life: The Breakthrough System to Get More Results, Faster, in Every Area of Your Life


Download eBook Master Your Time, Master Your Life: The Breakthrough System to Get More Results, Faster, in Every Area of Your Life by Brian Tracy across multiple file-formats including EPUB, DOC, and PDF.

PDF: Master Your Time, Master Your Life: The Breakthrough System to Get More Results, Faster, in Every Area of Your Life

ePub: Master Your Time, Master Your Life: The Breakthrough System to Get More Results, Faster, in Every Area of Your Life

Doc: Master Your Time, Master Your Life: The Breakthrough System to Get More Results, Faster, in Every Area of Your Life

Follow these steps to enable get access Master Your Time, Master Your Life: The Breakthrough System to Get More Results, Faster, in Every Area of Your Life:

Download: Master Your Time, Master Your Life: The Breakthrough System to Get More Results, Faster, in Every Area of Your Life PDF



[Pub.51Ivw] Master Your Time, Master Your Life: The Breakthrough System to Get More Results, Faster, in Every Area of Your Life PDF | by Brian Tracy


Master Your Time, Master Your Life: The Breakthrough System to Get More Results, Faster, in Every Area of Your Life by by Brian Tracy

This Master Your Time, Master Your Life: The Breakthrough System to Get More Results, Faster, in Every Area of Your Life book is not really ordinary book, you have it then the world is in your hands. The benefit you get by reading this book is actually information inside this reserve incredible fresh, you will get information which is getting deeper an individual read a lot of information you will get. This kind of Master Your Time, Master Your Life: The Breakthrough System to Get More Results, Faster, in Every Area of Your Life without we recognize teach the one who looking at it become critical in imagining and analyzing. Don’t be worry Master Your Time, Master Your Life: The Breakthrough System to Get More Results, Faster, in Every Area of Your Life can bring any time you are and not make your tote space or bookshelves’ grow to be full because you can have it inside your lovely laptop even cell phone. This Master Your Time, Master Your Life: The Breakthrough System to Get More Results, Faster, in Every Area of Your Life having great arrangement in word and layout, so you will not really feel uninterested in reading.

Read Online: Master Your Time, Master Your Life: The Breakthrough System to Get More Results, Faster, in Every Area of Your Life PDF



Business Bullshit AndrA9 Spicer PDF 53c712ce1

[Pub.72oxV] Download :

Business Bullshit PDF




by André Spicer : Business Bullshit

ISBN : #1138911674 | Date : 2017-10-07

Description :

PDF-1842a | Our organizations are flooded with empty talk. We are constantly “going forward” to lands of “deliverables”, stopping off on the “journey” to “drill down” into “best practice”. Being an expert at using management speak has become more important in corporate life than delivering long lasting results. The upshot is that meaningless corporate jargon is killing our organizations. In this book, manage… Business Bullshit


Download eBook Business Bullshit by André Spicer across multiple file-formats including EPUB, DOC, and PDF.

PDF: Business Bullshit

ePub: Business Bullshit

Doc: Business Bullshit

Follow these steps to enable get access Business Bullshit:

Download: Business Bullshit PDF



[Pub.47DRv] Business Bullshit PDF | by André Spicer


Business Bullshit by by André Spicer

This Business Bullshit book is not really ordinary book, you have it then the world is in your hands. The benefit you get by reading this book is actually information inside this reserve incredible fresh, you will get information which is getting deeper an individual read a lot of information you will get. This kind of Business Bullshit without we recognize teach the one who looking at it become critical in imagining and analyzing. Don’t be worry Business Bullshit can bring any time you are and not make your tote space or bookshelves’ grow to be full because you can have it inside your lovely laptop even cell phone. This Business Bullshit having great arrangement in word and layout, so you will not really feel uninterested in reading.

Read Online: Business Bullshit PDF



Strategic Analysis Cycle Hand Book PDF 2c2913eea

[Pub.40Cdb] Download :

The Strategic Analysis Cycle Hand Book: How Advanced Data Collection and Analysis Underpins Winning Strategies PDF




by Erik Elgersma : The Strategic Analysis Cycle Hand Book: How Advanced Data Collection and Analysis Underpins Winning Strategies

ISBN : #1911498363 | Date : 2017-08-08

Description :

PDF-5b66a | This is an authoritative and practical guide to collecting, analysing and managing data, to enable managers and companies to develop successful business strategies. Data has become a dominant factor in today’s business environment. This book, written by a leading practitioner, explains the underpinning nature of data for a company’s business strategy.The book begins with data collection: getti… The Strategic Analysis Cycle Hand Book: How Advanced Data Collection and Analysis Underpins Winning Strategies


Download eBook The Strategic Analysis Cycle Hand Book: How Advanced Data Collection and Analysis Underpins Winning Strategies by Erik Elgersma across multiple file-formats including EPUB, DOC, and PDF.

PDF: The Strategic Analysis Cycle Hand Book: How Advanced Data Collection and Analysis Underpins Winning Strategies

ePub: The Strategic Analysis Cycle Hand Book: How Advanced Data Collection and Analysis Underpins Winning Strategies

Doc: The Strategic Analysis Cycle Hand Book: How Advanced Data Collection and Analysis Underpins Winning Strategies

Follow these steps to enable get access The Strategic Analysis Cycle Hand Book: How Advanced Data Collection and Analysis Underpins Winning Strategies:

Download: The Strategic Analysis Cycle Hand Book: How Advanced Data Collection and Analysis Underpins Winning Strategies PDF



[Pub.31hfG] The Strategic Analysis Cycle Hand Book: How Advanced Data Collection and Analysis Underpins Winning Strategies PDF | by Erik Elgersma


The Strategic Analysis Cycle Hand Book: How Advanced Data Collection and Analysis Underpins Winning Strategies by by Erik Elgersma

This The Strategic Analysis Cycle Hand Book: How Advanced Data Collection and Analysis Underpins Winning Strategies book is not really ordinary book, you have it then the world is in your hands. The benefit you get by reading this book is actually information inside this reserve incredible fresh, you will get information which is getting deeper an individual read a lot of information you will get. This kind of The Strategic Analysis Cycle Hand Book: How Advanced Data Collection and Analysis Underpins Winning Strategies without we recognize teach the one who looking at it become critical in imagining and analyzing. Don’t be worry The Strategic Analysis Cycle Hand Book: How Advanced Data Collection and Analysis Underpins Winning Strategies can bring any time you are and not make your tote space or bookshelves’ grow to be full because you can have it inside your lovely laptop even cell phone. This The Strategic Analysis Cycle Hand Book: How Advanced Data Collection and Analysis Underpins Winning Strategies having great arrangement in word and layout, so you will not really feel uninterested in reading.

Read Online: The Strategic Analysis Cycle Hand Book: How Advanced Data Collection and Analysis Underpins Winning Strategies PDF



Car Launch Managing Learning History PDF E894567cd

[Pub.76vGV] Download :

Car Launch: The Human Side of Managing Change (The Learning History Library) PDF




by George Roth : Car Launch: The Human Side of Managing Change (The Learning History Library)

ISBN : #0195129466 | Date : 1999-08-12

Description :

PDF-0b697 | How does innovation really take place within a company? What kind of impact does innovation have on employees? Does it bring employees and managers closer together or cause strife? These are some questions answered in the new Oxford series, The Learning History Library. Each book gets inside a company at a crucial time of change, offering a unique opportunity to see innovation from the inside out…. Car Launch: The Human Side of Managing Change (The Learning History Library)


Download eBook Car Launch: The Human Side of Managing Change (The Learning History Library) by George Roth across multiple file-formats including EPUB, DOC, and PDF.

PDF: Car Launch: The Human Side of Managing Change (The Learning History Library)

ePub: Car Launch: The Human Side of Managing Change (The Learning History Library)

Doc: Car Launch: The Human Side of Managing Change (The Learning History Library)

Follow these steps to enable get access Car Launch: The Human Side of Managing Change (The Learning History Library):

Download: Car Launch: The Human Side of Managing Change (The Learning History Library) PDF



[Pub.26DfH] Car Launch: The Human Side of Managing Change (The Learning History Library) PDF | by George Roth


Car Launch: The Human Side of Managing Change (The Learning History Library) by by George Roth

This Car Launch: The Human Side of Managing Change (The Learning History Library) book is not really ordinary book, you have it then the world is in your hands. The benefit you get by reading this book is actually information inside this reserve incredible fresh, you will get information which is getting deeper an individual read a lot of information you will get. This kind of Car Launch: The Human Side of Managing Change (The Learning History Library) without we recognize teach the one who looking at it become critical in imagining and analyzing. Don’t be worry Car Launch: The Human Side of Managing Change (The Learning History Library) can bring any time you are and not make your tote space or bookshelves’ grow to be full because you can have it inside your lovely laptop even cell phone. This Car Launch: The Human Side of Managing Change (The Learning History Library) having great arrangement in word and layout, so you will not really feel uninterested in reading.

Read Online: Car Launch: The Human Side of Managing Change (The Learning History Library) PDF



Managing Social Purpose Driven Organizations PDF 92a96238f

[Pub.52SeL] Download :

Managing Social Purpose Driven Organizations: Looking at the Third Sector (Routledge Advances in Management and Business Studies) PDF




by Wee Beng Geok : Managing Social Purpose Driven Organizations: Looking at the Third Sector (Routledge Advances in Management and Business Studies)

ISBN : #1138244708 | Date : 2017-08-16

Description :

PDF-0a0f6 | The book examines the management of social purpose driven organizations in an Asian context, using the case study approach. It looks at these organizations during a period of major changes in the regulatory and governance environment for charities in Singapore. The focus is on how these changes impact the organizational and management issues confronting several charities and volunteer welfare org… Managing Social Purpose Driven Organizations: Looking at the Third Sector (Routledge Advances in Management and Business Studies)


Download eBook Managing Social Purpose Driven Organizations: Looking at the Third Sector (Routledge Advances in Management and Business Studies) by Wee Beng Geok across multiple file-formats including EPUB, DOC, and PDF.

PDF: Managing Social Purpose Driven Organizations: Looking at the Third Sector (Routledge Advances in Management and Business Studies)

ePub: Managing Social Purpose Driven Organizations: Looking at the Third Sector (Routledge Advances in Management and Business Studies)

Doc: Managing Social Purpose Driven Organizations: Looking at the Third Sector (Routledge Advances in Management and Business Studies)

Follow these steps to enable get access Managing Social Purpose Driven Organizations: Looking at the Third Sector (Routledge Advances in Management and Business Studies):

Download: Managing Social Purpose Driven Organizations: Looking at the Third Sector (Routledge Advances in Management and Business Studies) PDF



[Pub.70noH] Managing Social Purpose Driven Organizations: Looking at the Third Sector (Routledge Advances in Management and Business Studies) PDF | by Wee Beng Geok


Managing Social Purpose Driven Organizations: Looking at the Third Sector (Routledge Advances in Management and Business Studies) by by Wee Beng Geok

This Managing Social Purpose Driven Organizations: Looking at the Third Sector (Routledge Advances in Management and Business Studies) book is not really ordinary book, you have it then the world is in your hands. The benefit you get by reading this book is actually information inside this reserve incredible fresh, you will get information which is getting deeper an individual read a lot of information you will get. This kind of Managing Social Purpose Driven Organizations: Looking at the Third Sector (Routledge Advances in Management and Business Studies) without we recognize teach the one who looking at it become critical in imagining and analyzing. Don’t be worry Managing Social Purpose Driven Organizations: Looking at the Third Sector (Routledge Advances in Management and Business Studies) can bring any time you are and not make your tote space or bookshelves’ grow to be full because you can have it inside your lovely laptop even cell phone. This Managing Social Purpose Driven Organizations: Looking at the Third Sector (Routledge Advances in Management and Business Studies) having great arrangement in word and layout, so you will not really feel uninterested in reading.

Read Online: Managing Social Purpose Driven Organizations: Looking at the Third Sector (Routledge Advances in Management and Business Studies) PDF