JOHN CHIBAYA MBUYA PhD — новинки

This book gives an understanding of how to identify problems in any organization before they become cancer to the organisation. Among other things the following areas have been extensively covered: The ten commandments in management the neglect of which may lead to failure. Three trajectories. Prevention and cure. Sign-posts along the road to insolvency. When do you commission an investigation. Ratios are good indicators. What are the warning signs? What are your courses of action? The question to ask. How effective is the management? Overtrading. Management information. Business risks. Some frivolous danger signs of impending insolvency. Some other (ir)relevent and irrelevent thoughts. How to diagnose trouble. Signs relating to a company''s financial performance. Signs connected with a company''s operational performance include. Signs associated with poor utilisation of assets include. The fortunes of companies in cyclical industries. The second main cause of insolvency concerns the stupidity on behalf of the person or the director. The third cause concerning business failure boils down to lack of proper management.

The aim of this book is purely to equip men and women in the corporate world about the importance of personal dressing. We have all seen and witnessed embarrassing situations were one feels naked because he or she was not dressed for the occasion. In addition the book will teach you the following: ? wardrobe planning for women ? how to sort out your wardrobe for women ? handy tips on clothing ? how you wear your clothes ? fashion and its cyle ? classical backbone of every wardrobe ? a few no-no’s for a well dressed woman ? her wardrobe planning at a glance ? wardrobe planning for men ? sort out your wardrobe for men ? basic minimum wardrobe for men ? a sales person ? how to dress to kill ? your confidence comes from inside ? your dressing must stand-out ? first impressions will last forever ? disarm your critics by the way you dress

Your company''s creditors are literally or figuratively breaking up furniture in the waiting room. Your key sales manager has resigned. The company''s credit lines have been cancelled. You can''t pay for advertisements placed six months ago. The process server brings ten lawsuits a day demanding payment. Your accounts payable clerks cannot stand the stress of taking dozens of calls each day and not having a new story to tell the creditors. The production department lacks raw material to produce saleable merchandise. The bank is calling you persistently for an updated financial report. A reporter for one of the industry''s trade journals is calling to confirm a rumour that your company is in deep trouble. The stress is building and your head is pounding. Your lawyer encourages you to meet with a bankruptcy attorney. The attorney recommends that your company file for protection under Chapter 11 of the Bankruptcy Act, explaining that ‘this will give you time to reorganize, perhaps six months, during which time no creditor can put you out of business”. If this is happening to you and your organisation then I have a solution for you.

The banking landscape is littered with failures. What is the reason for all these failures? Is it mismanagement of scarce resources? Is it the abortion of corporate governance? Is it sheer ignorance? Is it poor risk management? Is it just one reason or a combination of reasons? Is it management arrogance? Is it sheer stupidity? Is it misuse of power? Is it the abuse of power? Is it greedy? This book will take you through the events that led to the collapse of South Africa''s fifth largest bank, Saambou. The flaws in management thinking. The lies, the ignorance of fundamental risk principles and the cheating at the top. The things management should have done but choose to ignore. The lessons from the collapse of Saambou Bank. The lessons for risk managers and bankers out there. The case studies from other international failures and a lot more.

The following case studies have been analyzed in detail. Case study Chapter 1: Saambou Bank Limited: South Africa Case study Chapter 2: Power Company of America Case study Chapter 3: Bankers Trust of America Case study Chapter 4: Orange Country California America Case study Chapter 5: Daiwa Bank New York America Case study Chapter 6: Long Term Capital America Case study Chapter 7: NatWest Markets (NWM) Case study Chapter 8: Bank of Credit and Commerce International (BCCI) Case study Chapter 9: Lloyds of London: England Case study Chapter 10: Chernobly Nuclear Power: Russia Case study Chapter 11: Exxon Valdez Case study Chapter 12: Union carbide Plant Bhopal: India Case study Chapter 13: Hubble Telescope: NASA: America Case study Chapter 14: Space Shuttle Challenger: NASA: America ANALYSIS AND SUMMARY OF CASE STUDIES Analysis and Summary of chapter 1: Saambou Bank Limited: South Africa Analysis and Summary of chapter 2:: Power Company of America Analysis and Summary of chapter 3: Bankers Trust of America Analysis and Summary of chapter 4: Orange Country California America Analysis and Summary of chapter 5: Daiwa and many more

This book takes you through credit management at an advanced level. It focuses on many areas of credit risk management including: Personal sector, Business sector, Character, Capital, Capacity, Conditions, Consequences, Collateral, Cash flow, Current information, Computerisation, Inflation, Off-balance sheet funding, Foreign exchange rates, Foreign sector – sovereign risk,Historical development, Relationship with other financial risks, Assessment of credit risk, Credit risk assessment in the personal sector, Character of the individual, Capital, Capacity, Conditions, Collateral, Credit risk assessment in the corporate sector, Sectoral research, The asset structure, The funding structure, The solvency and liquidity structure, The profitability structure, The trading activity structure, Composition and distribution of profits, Cash flow projection, Management Credit risk assessment in the foreign sector, Managing the risk. Risk sharing, Capital structure effect, Flexible debt service, Nature of guarantees, Off balance sheet treatment of debt, An overview of project risks, Risk rating, Forms of finance used in project financing.

This book will play a critical role in breaking down the walls of silence and setting free millions of women and children in our society who are being subjected to inhuman treatment by the society in general.The book will take you through the many stages of abuse: from women abuse to child abuse. The cycle of control and the psychological effect of battering have been researched thoroughly. The book will take you through the cycle of abuse and control with special emphasis on why women stay in an abusing relationships, the characteristics of the abuser and his / her victim, the warning signs, the excuses abusers use, effects of abuse on children, crisis counseling, voicing the violence, crisis intervention, qualities of a good crisis counsellor, planning to leave, personalized safety plan, and many others. Part two of the book will take you through over 20 real life case studies of abuse in our society. All case studies have been taken from all over the world, from Cape Town to Cairo, North Pole to South Pole, and from New York to Tokyo.

The Evolution of money is a trip that is worth travelling for those who have not travelled it before. The origin of money from barter to plastic money has been explored in great detail. An overview on the monetary system in the United States of America has been explored in depth. The basics of banking has been explained. The role of the Federal reserve bank has been elaborated in detail. The history of inflation in the 1970s has been investigated. Money itself has been explained in great detail. Many other related areas have been covered such as Barter, Commodity money, Metal money, Money objects, Ancient Coins, Gold, Silver and Copper, Paper Money, Different Shapes of Money, Monetary System, Cheques, Two Kinds of Money, The money Base, Reserve Ratio Requirements, Managing Loans and other Investments, Do Deficits Matter?, Debt Service, Government Debt versus Private Debt, Why the Government Borrows, Rolling Over Government Debt, Interest Rates in Borrowing, Government Debt as Perpetuities, Net Financial Wealth of the Private Sector, The Upper Limit to Government Debt, Two Components of Money Flows, The Vertical Component, and many more.

The subject of fraud is prevalent in the financial services industry globally. This book is a guide for those who manage fraud and those who aspire to join our beloved risk management field. The following fields have been deliberated fairly well: definition of fraud, causes of fraud, factors that cause fraud, pressure of work, opportunity to do fraud, integrity, management fraud, computer fraud, internet fraud, various models, common types of fraud, corporate governance, fraud prevention strategies, indirect controls, direct controls, pre- employment screening, employee appraisal and monitoring, whistle blowing, commitment, communication, general controls, specific controls, control over ITC, conflict of interest and many more. The book is a real life case study of the South African number one commercial bank (ABSA) now a division of Barclays Bank. Fraud is a common phenomenon particularly in the banking industry, and must be proactively managed at all costs. It''s a game management must win against criminals.In most cases management do not know what is going on in their own back yard.

This book gives an understanding of bank securities and the role securities play in the banking industry. Securities management is crucial for the survival of any financial institution in the whole world. The recent global melt-down was caused partly by poor securities management. Among other things it teaches about: ? the role of securities in the banking industry ? the administration of securities in the bank ? types of securities used by banks ? the effect of Section 226 of the company''s act ? the role of the branches in securities admin ? notification and acknowledgement of cession ? insurance policies as security ? guarantees by individuals ? guarantees by partners ? guarantees by a company ? cession of book debts ? pledge of other financial institution F/Ds ? monthly branch securities administrative duties ? half-yearly branch securities administrative duties ? yearly securities administrative duties ? different types of guarantees ? securities for credit facilities Securities management is one of the most important elements of banking but it is one of the least talked about, the least taught at universities & the least understood by bankers.

This book presents a holistic or enterprise wide risk management approach to managing risk. The aims of this book are to: • define a risk manager; • map out the events that led to risk management • the risk management stories • define what risk management is all about; • define various categories of risk; • provide an integrated view embracing both theory and practice; • define corporate governance; • risk management strategy • risk management culture, risk management structures; • overview of the integrated internal control systems • the Basil Accord • world class definitions of risk It is hoped that the book will appeal to students at undergraduate, graduate or post experience level in business or management, or on related professional courses. It is also hoped that the book will appeal not only to those aspiring to be risk managers but also to practicing risk managers and supervisors who wish to expand their knowledge of the subject matter. The book is written with a minimum of technical terminology and statistical formulas and the format is clearly structured.

Leadership is one of the most difficult subjects in the history of mankind. How do we teach people leadership? What is the best leadership style? By whose standards has that style been measured? From the President of the United States to the Ayatollahs, from the most learned professors to the dull and ignorant, from Harvard to Cambridge, from Cape Town to Cairo, from the most developed fine cities to the jungles of the Amazon forest. Nobody has is all packed in his or her head. Nobody can really claim that he or she is a leader. Leadership can only be learned by watching over the shoulders of those who are experienced in a particular field. We have fine fathers who failed to produce good sons. We have fine CEO''s who failed to restructure their own companies when the recession hits. We have fine pastors whose daughters are prostitutes. We have fine priests who sodomise innocent boys in broad daylight. We look up to them for leadership and wisdom. What can they teach us? When they themselves are rotten to the bone. What can they teach when they are corrupt to the core? Therefore, the world has a leadership dearth.

"Who is your real enemy?" I have been told that if you do the good things in life, good things will happen to you. Bono of U2 once said, "I have realized that rock stars cannot change the world" Bono has done so much charity work for over ten years and he failed to change the world by an iota. Sir Bob Geldof has done so much good work in Somalia and Ethiopia and the bad guys benefited from his efforts. As long as we do not know our real enemy, the world will remain a terrible place to humanity. "Know your enemy" The old strategist once said. Who is your real enemy? It does not matter really whether you are a Jew, Christian, Hindu, Muslim, Bhuda, believer or non believer. There is one MEAN MISTREATER out there, and his name is DEVIL. When I was a young boy growing up. My mother used to tell me that I must concentrate on the good things and the Devil will run away."Run away" Does the Devil understand the words "run away" Instead the Devil comes right into your hearts and minds and lays His eggs right in there. Then you become his play ground and breeding place. The Devils workshop. Who is your real enemy? Let''s find out in this book.

The need to analyse the various leadership styles of African heads of states was done in order find out what value they have added to their countries in general and to the African continent as a whole. It is very clear from the study that African leaders are brutal by nature, greedy, and do not care much about their own people. They cheat, steal and externalise foreign currency. They also destroy the infrastructure they inherited and sent their children to overseas expensive private school at the expense of their countries. It is clear from the study that African leaders once elected to power; they glue themselves to the thrown until they are too old to rule. The word corporate governance does not exist in most African leaders. The time has come for African leaders to at least adapt what we have seen as the true democracy in developed countries. Sometimes we Africans feel ashamed to be Africans because of the inability of our African leaders to lead by example. Once in power 99.99% of African leaders get drunk with power to the extent that they are prepared to kill their own citizens in order to maintain the status quo.

This book has been written as an individual guide for people who would like to know more about HIV / AIDS. It goes beyond the definition of HIV / AIDS and how to prevent it. It teaches you how to do a self diagnosis, gives you an idea of what promiscuity, prostitution and morality is all about. How HIV / AIDS is not spread, the arguments in favour of being tested. Counselling, support and self-help. Emotional reaction to HIV / AIDS. The background of counselling and the basic goals of counselling. Areas of need for counselling for AIDS. Terminal care and bereavement and practical health care and many other areas of interest. The book proposes a diet for those living with HIV /AIDS and how to live a normal life with the disease. This book is a "must have" for every sexually active person.

This book gives a comprehensive analysis of the most common diseases that trouble women all over the world and mother nature’s solution to each one of them. The book is a do-it-yourself, risk free analysis and solution for all women at all ages. This timeless research and solution has been tested again and again since 500 BC. Our knowledge of diseases have increased but the solutions to the diseases have decreased. Women of the 21st century want quick solutions to every problem. Well this book is not a quick fix solution to your ailing body. It’s a life changing solution that must be passed from generation to generation. It’s a health ritual for every intelligent woman. Our bodies were designed to heal themselves over time given the right input. We have successfully changed the input into our bodies and the output is sickness. This book will help you to identify and analyze your diseases and gives you the solutions in terms of input that will give you permanent good health for the rest of your life. Menstrual Disorders and Solutions Pre-menstrual Syndrome and Solutions Menopausal Problems and Solutions Childbirth The Natural Way

Certain Diseases have been identified, their causes and symptoms have also been identified and their natural cure or treatment have also been given. Some common ailments and fruit and vegetable juices found beneficial in their treatment are mentioned below: Acidity: Grapes, orange, carrot and spinach. Acne: Grapes, pear, plum, tomato, cucumber, carrot, potato and spinach. Allergies: Apricot, grapes, carrot, beet and spinach. Arteriosclerosis: Grapefruit, pineapple, lemon, celery, carrot, lettuce, and spinach. Anaemia: Apricot, prune, strawberry, red grape, beet, celery, carrot and spinach. Arthritis: Sour cherry, pineapple, sour apple, lemon, grapefruit, cucumber, beet, carrot, lettuce and spinach. Asthma: Apricot, lemon, pineapple, peach, carrot, radish and celery. Bronchitis: Apricot, lemon, pineapple, peach, tomato, carrot, onion and spinach. Bladder Ailments: Apple, apricot, lemon, cucumber, carrot, celery, parsley and watercress. Colds: Lemon, orange, grapefruit, pineapple, carrot, onion, celery and spinach. Constipation: Apple, pear, grapes, lemon, carrot, beet, spinach and watercress. And many others.

The right kind of food is the most important single factor in the promotion of health ; and the wrong kind of food is the most important single factor in the promotion of disease. " The human body builds up and maintains healthy cells, tissues, glands and organs only with the help of various nutrients. The body cannot perform any of its functions, be they metabolic, hormonal, mental, physical or chemical, without specific nutrients. The food which provides these nutrients is thus one of the most essential factors in building and maintaining health. Nutrition, which depends on food, is also of utmost importance in the cure of disease. The primary cause of disease is a weakened organism or lowered resistance in the body, arising from the adoption of a faulty nutritional pattern. There is an elaborate healing mechanism within the body but it can perform its function only if it is abundantly supplied with all the essential nutritional factors. It is believed that at least 45 chemical components and elements are needed by human cells. Therefore, the absence of any of them will result in disease and eventually in death.

The book curves in on all the basics of banking and insurance law according to the Roman Law, Roman- Dutch Law, English Law and the South African Law. The following have been deliberated: Classification of South African Law, sources of law, the banker- customer relationship, law of contract, rules of agency, trust principles, termination of contact, the duty of confidentiality, termination of the bank''s authority to pay, wrongful dishonour, bank statements, attaching of monies, stop payments, stop orders, trust accounts, current account, dormant account, freezing of an account, the essentials of a valid contract,advertisements- are they offers, contracts concluded at a distance,express and implied, legal enforceability, concent of parties, legal consequences of mistakes, misrepresentation, dures, undue influence, insane persons, intoxicated persons, prodicals, minors, married women, reasonable cause effect of an illigal contract, performance, novation, release, set-off, merger, prescription, insolvency, breach of contract, remedies for breach of contract,duty of secrecy, restatement and many others.

In this volume two of banking and insurance law, the following have been deliberated: contracts of purchases and sale, ownership, delivery and risk, methods of delivery, passing of risk, different types of sales, delivery of defective goods, patent and latent defects, warranty against eviction, purchaser''s remedies, special remedies, duties of the buyer and seller, code of banking practice, information available to customers, account operations, protection, negotiable instruments, bills of exchange, cheques, promissory notes, parties to the bill of exchange, banker-customer relationship, revocation, of banking authority, forgery of signature, the crossing of cheques,who is the true owner of the cheque, lease, valid lease, duties of the lessor, duties of the lessee, termination of the lease, agency, partnership, kinds of partnerships, insurance, definition of insurance, parties to the insurance contract, the beneficiary, formalities of the insurance contract, insurable interest, duties of disclosure, warranties, incontestability of clauses, subrogation, and many others.