Best Selling Books by David J Smith

This book was written with the intention to educate those who feel as though they have been neglected with the information necessary to be financially savvy in a world where money matters. Unfortunately, these pointers, tips, and tools you will find in this book chapters are not taught in the American education curriculum. Instead, we are taught the basics of math and forced to take intricate courses such as Algebra, Trigonometry, Calculus, & Geometry. These pointless courses are required in order to graduate from high school. Even though, most will never be used throughout life unless you pursue a career in science Aviation, or Electronics. I found it very odd that this information is held back from society. With over 25 years of providing financial relief services for unsecured debt in addition to assisting students with federal student loan relief and forgiveness. I have helped resolve over a billion dollars in debt relief and now my passion is to educate and empower others through my opinion on financial literacy. Disclaimer: Please note that, I am a certified financial counseling professional. I am not a licensed financial advisor therefore my opinion on any financial topic should not be used as financial advice.

A spirited account of God at work in the life of a missionary to West Africa¿in both the dramatic and mundane events of life. Designed to encourage you to see God at work in your own life.

The case of the European Union''s (EU) Clean Sky initiative and its sustainable and green engine programme focuses on a sector where the implications of climate change are likely to be keenly felt in the coming decades, namely air transport. It is a sector where to date there have been few green or eco innovations. The case focuses on a current EU-funded initiative designed to limit the impact of air transport on climate change. The initiative aims to foster innovation through the introduction of open rotor technology to power the next generation of short-/medium-haul airliners. This technology could potentially cut carbon dioxide emissions from commercial aircraft by 100 million tonnes per year. However, it may also prove to be a disruptive technology rendering existing aircraft and possibly some of the firms that produce them, obsolete. As well as introducing some of the features of disruptive technologies, the case highlights both the drivers for and barriers to the successful adoption of green innovations. Another important aspect of the case is that it also highlights the value of appropriate business strategies, such as the use of technology demonstrator programmes, in supporting and facilitating the adoption and diffusion of green innovations.

The United States is being infiltrated and undermined by illegal aliens & the introduction of drug cartels, crime, and international communism. The Council on Foreign Relations, the ACLU and certain secret societies are communist-backed groups that are working to establish a world government and destroy the Christian-American way of life.

Focuses on the outward flexure or bulging of windows during wind gusts of hurricanes. Factors causing the bulging; Relationship of flexure to stress forces; Analysis of the pressure difference acting upon the windowpane; How far the window flexes before breaking.--(Abstract).

We investigate whether the capital structure of New Zealand firms influences their product-market performance in the period from 1984 to 2008. Our main findings are that the use of leverage by publicly listed New Zealand companies leads to an increase in relative-to-industry sales growth, but a decrease in relative-to-industry return on assets (ROA). We also conduct a reverse causality test by examining whether sales growth and ROA influence leverage. We find no evidence that sales growth has an impact on the use of debt, but significant evidence that ROA is negatively correlated with its use. Our results suggest that New Zealand firms use debt to compete more aggressively in their product markets, even though this strategy comes at a cost of lower relative-to-industry profitability. A possible explanation for this behaviour is the more competitive trading environment that has developed in New Zealand over the last 25 years.