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| discover financial services logo: You're a Business Owner, Not a Dummy! Michael Mintz, 2012-10 In order to compete in today’s global marketplace, it is essential that businesses large and small accept credit and debit cards from their customers. Credit and debit card usage continues to rise; if you don’t want your customer going to one of your competitors, you must accept plastic. You need to establish a merchant account. Plenty of providers offer these processing services, but not all of them will share in your company’s vision. In this guide, author Michael Mintz provides advice and information about handling a merchant account. It answers these vital questions: • How does the credit and debit card process work? • What is interchange, and why do I care about it? • Who makes what on each transaction? • What are the pricing strategies and additional fees? • How do I read my month-end statement? • Why should I worry about PCI compliance? • What does the Durbin Amendment mean to me? • What should I know about American Express? You’re a Business Owner, Not a Dummy provides an insider’s look at the sometimes complex system of merchant accounts and provides a wealth of information to help you make the right decision for your business. |
| discover financial services logo: Winning on Purpose Fred Reichheld, Darci Darnell, Maureen Burns, 2021-12-07 Great leaders embrace a higher purpose to win. The Net Promoter System shines as their guiding star. Few management ideas have spread so far and wide as the Net Promoter System (NPS). Since its conception almost two decades ago by customer loyalty guru Fred Reichheld, thousands of companies around the world have adopted it—from industrial titans such as Mercedes-Benz and Cummins to tech giants like Apple and Amazon to digital innovators such as Warby Parker and Peloton. Now, Reichheld has raised the bar yet again. In Winning on Purpose, he demonstrates that the primary purpose of a business should be to enrich the lives of its customers. Why? Because when customers feel this love, they come back for more and bring their friends—generating good profits. This is NPS 3.0 and it puts a new take on the age-old Golden Rule—treat customers the way you would want a loved one treated—at the heart of enduring business success. As the compelling examples in this book illustrate, companies with superior NPS consistently deliver higher returns to shareholders across a wide array of industries. But winning on purpose isn't easy. Reichheld also explains why many NPS practitioners achieve just a small fraction of the system's full potential, and he presents the newest thinking and best practices for doing NPS right. He unveils the Earned Growth Rate (EGR): the first reliable, complementary accounting measure that can truly leverage the power of NPS. With keen insight and moving personal stories, Reichheld advances the thinking and practice of NPS. Winning on Purpose is your indispensable guide for inspiring customer love within your own teams and using Net Promoter to achieve both personal and business success. |
| discover financial services logo: Competitiveness of U.S. Insurance Companies, Financial Service System, and Non-bank Financial Firms United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. International Competitiveness of United States Financial Institutions Task Force, 1990 |
| discover financial services logo: Genealogy of American Finance Robert E. Wright, Richard Sylla, 2015-03-17 In this unique, well-illustrated book, readers learn how fifty financial corporations came to dominate the U.S. banking system and their impact on the nation's political, social, and economic growth. A story that spans more than two centuries of war, crisis, and opportunity, this account reminds readers that American banking was never a fixed enterprise but has evolved in tandem with the country. More than 225 years have passed since Alexander Hamilton created one of the nation's first commercial banks. Over time, these institutions have changed hands, names, and locations, reflecting a wave of mergers, acquisitions, and other restructuring efforts that echo changes in American finance. Some names, such as Bank of America and Wells Fargo, will be familiar to readers. The origins of others, including Zions Bancorporation, founded by Brigham Young and owned by the Mormon Church until 1960, are surprising. Exploring why some banks failed and others thrived, this book wonders, in light of the 2008 financial crisis, whether recent consolidations have reached or even exceeded economically rational limits. A key text for navigating the complex terrain of American finance, this volume draws a fascinating family tree for projecting the financial future of a nation. |
| discover financial services logo: H.R. 5244 United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit, 2008 |
| discover financial services logo: IP Attorney's Handbook for Insurance Coverage in Intellectual Property Disputes David A. Gauntlett, 2010 This book addresses clients' questions regarding intellectual property insurance coverage and contains information vital to litigators who wish to use insurance to reimburse the cost of defending IP lawsuits, or obtain moneys for their settlement and/or indemnification of damage awards. The book focuses on the policy language carriers have used, how courts have interpreted these, and issues IP practitioners need to be sensitive to in litigating insurance cases. |
| discover financial services logo: Introduction to Personal Finance Kristen Carioti, 2024-03-18 Introduction to Personal Finance invites students to reflect on their values and behaviors with money and to set goals to reach financial freedom and financial wellness. Author Kristen Carioti provides clear, step-by-step guidance on the essential building blocks, from setting up an emergency fund, to navigating student loans and investing for retirement. Students are encouraged to evaluate their personal relationship with money and mindfully assess their behavior so they can set and reach achievable financial goals. |
| discover financial services logo: Life Without Plastic Jay Sinha, Chantal Plamondon, 2017-12-12 After the birth of their son, Jay Sinha and Chantal Plamondon set out on a journey to eliminate plastic baby bottles as the Canadian government banned BPA. When they found it was difficult to procure glass baby bottles, Jay and Chantal made it their mission to not only find glass and metal replacements for plastic, but to make those products accessible to the public as well. Printed on wood-free FSC (sustainable certified) paper and with BPA-free ink, Life Without Plastic strives to create more awareness on the issue of BPA, polycarbonates and other single-use plastics, and provides readers with safe, reusable and affordable alternatives. While plastic has its uses in technology, medical and some products around the home, certain single-use plastics release chemicals when put in contact with food and water. These disposable plastics are also found in produce and cleaning products. Jay and Chantal show readers how to analyze their personal plastic use, find alternatives and create easy replacements in this step-by-step guide. Get your family healthier, spread consciousness and create positive reflection on you for helping the environment by taking action. |
| discover financial services logo: Web Hacking Stuart McClure, Saumil Shah, Shreeraj Shah, 2003 The Presidentâe(tm)s life is in danger! Jimmy Sniffles, with the help of a new invention, shrinks down to miniature size to sniff out the source of the problem. |
| discover financial services logo: Financial Services Industry United States. Congress. House. Committee on Energy and Commerce. Subcommittee on Telecommunications and Finance, 1991 |
| discover financial services logo: The Vault College Career Bible , 2006 In this annual guide, Vault provides overviews of career paths and hiring trends for 2006 in major industries for college graduates. Industries covered include accounting, banking, consulting, consumer products and marketing, fashion, media and entertainment, government and politics, high tech, publishing, real estate, retail, and many more. |
| discover financial services logo: Cataloging Unstructured Data in IBM Watson Knowledge Catalog with IBM Spectrum Discover Joseph Dain, Abeer Selim, Anil Patil, Christopher Vollmar, Flavio de Rezende, Frank Greco, Frank N. Lee, Isom Crawford Jr., Ivaylo B. Bozhinov, Joanna Wong, Joshua Blumert, Larry Coyne, IBM Redbooks, 2020-08-11 This IBM® Redpaper publication explains how IBM Spectrum® Discover integrates with the IBM Watson® Knowledge Catalog (WKC) component of IBM Cloud® Pak for Data (IBM CP4D) to make the enriched catalog content in IBM Spectrum Discover along with the associated data available in WKC and IBM CP4D. From an end-to-end IBM solution point of view, IBM CP4D and WKC provide state-of-the-art data governance, collaboration, and artificial intelligence (AI) and analytics tools, and IBM Spectrum Discover complements these features by adding support for unstructured data on large-scale file and object storage systems on premises and in the cloud. Many organizations face challenges to manage unstructured data. Some challenges that companies face include: Pinpointing and activating relevant data for large-scale analytics, machine learning (ML) and deep learning (DL) workloads. Lacking the fine-grained visibility that is needed to map data to business priorities. Removing redundant, obsolete, and trivial (ROT) data and identifying data that can be moved to a lower-cost storage tier. Identifying and classifying sensitive data as it relates to various compliance mandates, such as the General Data Privacy Regulation (GDPR), Payment Card Industry Data Security Standards (PCI-DSS), and the Health Information Portability and Accountability Act (HIPAA). This paper describes how IBM Spectrum Discover provides seamless integration of data in IBM Storage with IBM Watson Knowledge Catalog (WKC). Features include: Event-based cataloging and tagging of unstructured data across the enterprise. Automatically inspecting and classifying over 1000 unstructured data types, including genomics and imaging specific file formats. Automatically registering assets with WKC based on IBM Spectrum Discover search and filter criteria, and by using assets in IBM CP4D. Enforcing data governance policies in WKC in IBM CP4D based on insights from IBM Spectrum Discover, and using assets in IBM CP4D. Several in-depth use cases are used that show examples of healthcare, life sciences, and financial services. IBM Spectrum Discover integration with WKC enables storage administrators, data stewards, and data scientists to efficiently manage, classify, and gain insights from massive amounts of data. The integration improves storage economics, helps mitigate risk, and accelerates large-scale analytics to create competitive advantage and speed critical research. |
| discover financial services logo: The V Spot - How Companies & Consumers Discover Each Other's Erogenous Zone Dennis Wengert, |
| discover financial services logo: The Financial Services Fact Book 2008 , 2008 |
| discover financial services logo: Winning Score Mark Graham Brown, 2000-09-12 Highlighted with valuable tips and Brown's firsthand experiences, Winning Score is an excellent tool for constructing a performance measurement system. It explains how to lay the foundation for the balanced scorecard by developing operational and strategic plans. Winning Score explains how to: Identify strengths, weaknesses, opportunities, and threats. Design data collection strategies. Link the scorecard to other systems in an organization. Develop a performance index. Avoid the top 10 measurement mistakes. In addition, case studies of actual scorecard implementation in different sectors, such as manufacturing, service, support, and government are included. Click here for the introductory chapter A 296 minute abridged version of this book is also available on 4 compact discs or 4 audio cassettes from Productivity Press. |
| discover financial services logo: Valuation Handbook - U.S. Guide to Cost of Capital Roger J. Grabowski, James P. Harrington, Carla Nunes, 2017-06-05 The Valuation Handbook –U.S. Guide to Cost of Capital, 2013 Essentials Editionincludes two sets of valuation data: Data previously published in the 2013 Duff & Phelps Risk Premium Report Data previously published in the Morningstar/Ibbotson 2013 Stocks, Bonds, Bills, and Inflation (SBBI) Valuation Yearbook The Valuation Handbook – U.S. Guide to Cost of Capital, 2013 Essentials Edition includes data through December 31, 2012, and is intended to be used for 2013 valuation dates. The Valuation Handbook – U.S. Essentials Editions are designed to function as historical archives of two sets of valuation data previously published annually in: The Morningstar/Ibbotson Stocks, Bonds, Bills, and Inflation (SBBI) Valuation Yearbook from 1999 through 2013 The Duff & Phelps Risk Premium Report from 1999 through 2013 The Duff & Phelps Valuation Handbook – U.S. Guide to Cost of Capital from 2014 The Valuation Handbook – U.S. Essentials Editions are ideal for valuation analysts needing historical valuation data for use in: The preparation of carve-out historical financial statements, in cases where historical goodwill impairment testing is necessary Valuing legal entities as of vintage date for tax litigation related to a prior corporate restructuring Tax litigation related to historical transfer pricing policies, etc. The Valuation Handbook – U.S. Essentials Editions are also designed to serve the needs of: Corporate finance officers for pricing or evaluating mergers and acquisitions, raising private or public equity, property taxation, and stakeholder disputes Corporate officers for the evaluation of investments for capital budgeting decisions Investment bankers for pricing public offerings, mergers and acquisitions, and private equity financing CPAs who deal with either valuation for financial reporting or client valuations issues Judges and attorneys who deal with valuation issues in mergers and acquisitions, shareholder and partner disputes, damage cases, solvency cases, bankruptcy reorganizations, property taxes, rate setting, transfer pricing, and financial reporting For more information about Duff & Phelps valuation data resources published by Wiley, please visit www.wiley.com/go/valuationhandbooks. |
| discover financial services logo: DIRECTORY OF CORPORATE COUNSEL. , 2023 |
| discover financial services logo: FDIC Banking Review , 2003 |
| discover financial services logo: The Technology Fallacy Gerald C. Kane, Anh Nguyen Phillips, Jonathan R. Copulsky, Garth R. Andrus, 2019-04-16 Why an organization’s response to digital disruption should focus on people and processes—not necessarily on technology Digital technologies are disrupting organizations of every size and shape, leaving managers scrambling to find a technology fix that will help their organizations compete. This book offers managers and business leaders a guide for surviving digital disruptions—but it is not a book about technology. It is about the organizational changes required to harness the power of technology. The authors argue that digital disruption is primarily about people and that effective digital transformation involves changes to organizational dynamics and how work gets done. A focus only on selecting and implementing the right digital technologies is not likely to lead to success. The best way to respond to digital disruption is by changing the company culture to be more agile, risk tolerant, and experimental. The authors draw on four years of research, conducted in partnership with MIT Sloan Management Review and Deloitte, surveying more than 16,000 people and conducting interviews with managers at such companies as Walmart, Google, and Salesforce. They introduce the concept of digital maturity—the ability to take advantage of opportunities offered by the new technology—and address the specifics of digital transformation, including cultivating a digital environment, enabling intentional collaboration, and fostering an experimental mindset. Every organization needs to understand its “digital DNA” in order to stop “doing digital” and start “being digital.” Digital disruption won’t end anytime soon; the average worker will probably experience numerous waves of disruption during the course of a career. The insights offered by The Technology Fallacy will hold true through them all. A book in the Management on the Cutting Edge series, published in cooperation with MIT Sloan Management Review. |
| discover financial services logo: Discover What You're Best At Linda Gale, 2010-11-23 The bestselling career guide that has helped more than half a million people discover their true talents and make successful career choices, now completely revised for the digital age. Learn how to identify your talents and harness your potential skills and start making money doing what you love. Now revised for the digital age, Lina Gale’s bestselling Discover What You’re Best At will teach you how to set realistic and rewarding goals, save money, and learn about new areas of the job market where you could begin a fulfilling career. Complete with job listings and comprehensive tests to help you evaluate your talents and aptitude, Discover What You’re Best At is the only career guide you’ll ever need. |
| discover financial services logo: JAIIB Question Bank Book 4000+MCQ with Explanation Module Wise Paper 1,2,3&4 As Per Updated Syllabus DIWAKAR EDUCATION HUB , 2023-11-23 IIBF -JAIIB Junior Associate of the Indian Institute of the Bankers. Complete Practice Question Answer Sets 4000 +[MCQ] Include Paper 1: Indian Economy and Indian Financial System (IE & IFS) Paper 2: Principles and Practices of Banking (PPB) Paper 3: Accounting and Financial Management for Bankers (AFM) Paper 4: Retail Banking and Wealth Management (RBWM) 4000+ Questions and Answer Included With an Explanation 1000 MCQ of Each Paper With detail Solution Questions Based on Modules given in Each Paper [Subject] As Per Updated Syllabus All Questions Design by Expert Faculties of Banking. |
| discover financial services logo: Directory of Corporate Counsel, Spring 2024 Edition , |
| discover financial services logo: Credit Card Practices United States. Congress. Senate. Committee on Homeland Security and Governmental Affairs. Permanent Subcommittee on Investigations, 2008 |
| discover financial services logo: Federal Register , 2013 |
| discover financial services logo: Carbonneau on Arbitration Thomas E. Carbonneau, 2010-05-01 A companion to Carbonneau on International Arbitration: Collected Essays, the essays in this volume represent the majority of the author's scholarly writings on the topic of U.S. arbitration law. They reflect his three decades of experience as a law professor and as the Editor-in-Chief of the World Arbitration & Mediation Report (renamed Review) and the Journal of American Arbitration. Each one tackles an aspect of the debate about the role of arbitral adjudication in contemporary American society and provides an assessment of the evolution and content of the U.S. law of arbitration. In particular, Carbonneau on Arbitration: Collected Essays examines the work of the U.S. Supreme Court in arbitration and provides a critical, but balanced, assessment of that decisional law. The chapters of this volume represent the majority of the author's scholarly writings on international commercial arbitration over thirty years. The chapters address various major issues and themes of transborder arbitration law, including (1) the importance of courts in developing and maintaining a legal culture that is hospitable to arbitration, (2) arbitration as a complete legal system, (3) the increasing use of arbitration to resolve political or mixed political and commercial disputes, and (4) the “judicialization” of arbitration. Some of the chapters are of a recent vintage, while others were written a decade or two ago. Whatever their date of production, these essays are of continuing interest to practitioners in and scholars of the field. |
| discover financial services logo: Consumer Benefits Associated with the Changing Financial Services Environment United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Financial Institutions and Consumer Affairs, 1986 |
| discover financial services logo: Stalking the Black Swan Kenneth A. Posner, 2010-03-31 Kenneth A. Posner spent close to two decades as a Wall Street analyst, tracking the so-called specialty finance sector, which included controversial companies such as Countrywide, Fannie Mae, Freddie Mac, CIT, and MasterCard many of which were caught in the subprime mortgage and capital markets crisis of 2007. While extreme volatility is nothing new in finance, the recent downturn caught many off guard, indicating that the traditional approach to decision making had let them down. Introducing a new framework for handling and evaluating extreme risk, Posner draws on years of experience to show how decision makers can best cope with the Black Swans of our time. Posner's shrewd assessment combines the classic fundamental research approach of Benjamin Graham and David Dodd with more recent developments in cognitive science, computational theory, and quantitative finance. He outlines a probabilistic approach to decision making that involves forecasting across a range of scenarios, and he explains how to balance confidence, react accurately to fast-breaking information, overcome information overload, zero in on the critical issues, penetrate the information asymmetry shielding corporate executives, and integrate the power of human intuition with sophisticated analytics. Emphasizing the computational resources we already have at our disposal our computers and our minds Posner offers a new track to decision making for analysts, investors, traders, corporate executives, risk managers, regulators, policymakers, journalists, and anyone who faces a world of extreme volatility. |
| discover financial services logo: Consumer Survival [2 volumes] Wendy Reiboldt, Melanie Horn Mallers, 2013-11-26 Designed to empower readers to advocate for themselves and others, this wide-ranging encyclopedia reveals a surprising range of resources and options that consumers have at their disposal. The only book of its kind, this two-volume, alphabetically arranged reference covers a broad array of topics related to consumer rights, including those of interest to often-overlooked populations such as older adults, veterans, and the homeless. Specific entries address critical areas including food and product safety, housing, health care, the financial industry, the automobile industry, and telecommunications. The encyclopedia reviews the historical development of the consumer movement, examines beliefs and values that drive the movement, and identifies agencies and laws intended to safeguard consumers. Expert contributors discuss key current issues as well as those likely to arise in the future. Vignettes and case studies are used throughout, and various, sometimes contrasting viewpoints are shared to help readers better understand the content. Related topics are easily discovered through a see also list, and additional readings are provided at the end of each entry. |
| discover financial services logo: The American Legal System Albert P. Melone, Allan Karnes, 2008 Firmly anchored in social science concepts, the second edition of The American Legal System demonstrates the relationships among private law, the business legal environment, and public law issues, as well as related subjects of interest. This fifteen-chapter book is divided into three parts. Part I places the legal system in a political perspective centering on the origins of the law, schools of jurisprudence, branches and functions of law, legitimacy of law, how the judiciary functions in the federal system of government, and judicial interpretation and decision making. Part II contrasts legal processes: civil suits for money damages, criminal processes, equity justice, administrative processes, and alternative dispute resolution. Part III centers on the legal norms or rules governing both civil and criminal conduct, property law, family law, contract law, and government regulation of business. Throughout, the text features edited court opinions--many new to this edition--illustrating lively and thought-provoking controversies that are certain to spark student interest. Among the many compelling issues addressed are the legal and constitutional controversies surrounding the Bush Administration's War on Terror, and the socially explosive developments concerning same-sex marriage. In addition, each chapter includes at least three comparative notes showing how other legal cultures in different nation-states treat legal matters. A wealth of pedagogical features--chapter-opening objectives; key terms, names, and concepts; a glossary, discussion questions, and appendices--are included to aid student comprehension. The authors have prepared an Instructor's Manual and Test Bank to facilitate the book's use in the classroom. |
| discover financial services logo: Making the Number Greg Alexander, Aaron Bartels, Mike Drapeau, 2008-10-16 The essential tool kit to achieve breakthrough sales performance improvements. Numbers don’t lie: 40 percent of all salespeople miss their targets each year. How can sales managers ensure their teams are doing everything possible? The key lies in benchmarking, which is not new for finance or manufacturing but rarely gets applied to sales. Making the Number will teach executives to embrace data-driven decision making and rely less on gut instinct. Comparing a sales force to those of relevant peers leads to many opportunities to improve performance. The authors take readers through their five-step methodology for sales benchmarking, showing how to select metrics; gather, compute, and compare internal and external data; and then actually use the data. Making the Number includes case studies of sales benchmarking in action. For example, find out how Discover Financial Services plays David to the Goliaths of MasterCard and Visa. Whether you’re a sales rep, a manager, or a CEO, this book will show you a better way to make your number. |
| discover financial services logo: CIO , 2006-08-15 CIO magazine, launched in 1987, provides business technology leaders with award-winning analysis and insight on information technology trends and a keen understanding of IT’s role in achieving business goals. |
| discover financial services logo: Real-Time Risk Irene Aldridge, Steven Krawciw, 2017-02-08 Risk management solutions for today's high-speed investing environment Real-Time Risk is the first book to show regular, institutional, and quantitative investors how to navigate intraday threats and stay on-course. The FinTech revolution has brought massive changes to the way investing is done. Trading happens in microsecond time frames, and while risks are emerging faster and in greater volume than ever before, traditional risk management approaches are too slow to be relevant. This book describes market microstructure and modern risks, and presents a new way of thinking about risk management in today's high-speed world. Accessible, straightforward explanations shed light on little-understood topics, and expert guidance helps investors protect themselves from new threats. The discussion dissects FinTech innovation to highlight the ongoing disruption, and to establish a toolkit of approaches for analyzing flash crashes, aggressive high frequency trading, and other specific aspects of the market. Today's investors face an environment in which computers and infrastructure merge, regulations allow dozens of exchanges to coexist, and globalized business facilitates round-the-clock deals. This book shows you how to navigate today's investing environment safely and profitably, with the latest in risk-management thinking. Discover risk management that works within micro-second trading Understand the nature and impact of real-time risk, and how to protect yourself Learn why flash crashes happen, and how to mitigate damage in advance Examine the FinTech disruption to established business models and practices When technology collided with investing, the boom created stratospheric amounts of data that allows us to plumb untapped depths and discover solutions that were unimaginable 20 years ago. Real-Time Risk describes these solutions, and provides practical guidance for today's savvy investor. |
| discover financial services logo: Always a Winner Peter Navarro, 2009-08-24 In much the same way that Good to Great uncovered hitherto hidden secrets of highly successful companies, Navarro’s Always a Winner uses extensive research to reveal the overriding importance of learning how to forecast and strategically manage the business cycle for competitive advantage. In doing so, this book provocatively explores a critical aspect of successful management virtually untapped by the existing strategy literature. —Dan DiMicco, Chairman and Chief Executive Officer, Nucor Steel Always a Winner is an important and timely guide to thriving in challenging economic times. Prof. Navarro deftly bridges the academic and business communities, showing corporate leaders how to read economic tea-leaves to anticipate business cycles. His Master Cyclist credo offers many practical tips and real-world case studies for steering companies through turbulent economic seas. —Mark Greene, Ph.D, Chief Executive Officer, FICO (Fair Isaac Corp.) Navarro’s Always a Winner shows why forecasting the economy with a ruler can be lethal for corporate executives and money managers. He demonstrates how to skillfully anticipate the ups and downs of the economy and successfully navigate through them. The current economic crisis clearly demonstrates why this book is so important to have on your bookshelf. —Mark Zandi, Chief Economist and Cofounder of Moody’s Economy.com Always a Winner is required reading for every entrepreneur, money manager, and independent investor hoping to outperform the market and retire one day. —Mark T. Brookshire, Founder of StockTrak.com and WallStreetSurvivor.com Navarro’s wealth of real world examples will show you how to make both economic recessions and recoveries invaluable allies in executing competitive corporate strategies. A must read! —Lakshman Achuthan, Managing Director, Economic Cycle Research Institute Why recessions are far more dangerous than any 10 competitors Most companies make a lot of money during economic expansions-and lose a lot of money during recessions. That is the way it has always been. That is the way it need not always be. This book will show you how to always be a winner over the course of the entire business cycle-not just when economic times are good. To do this job, this book will arm you with all the strategies and tactics and forecasting tools you will need to profitably manage your organization through the business cycle seasons-from the best of boom times to the worst of recessionary times. In this book, you will learn to Forecast movements and key recessionary turning points in the business cycle Implement a set of powerful battle-tested strategies over the course of the business cycle Rebuild your organization with a strategic business cycle orientation and thereby make it much more recession-resistant and resilient over the longer term The forecasting tools and management strategies revealed in this book have been developed over the last five years by the author-the world's leading expert on managing the business cycle for competitive advantage. By learning to strategically manage the business cycle, your organization will be able to create a powerful competitive and sustainable advantage over its rivals and thereby find the grail sought by every executive team in the world-superior financial performance. In this way, Always a Winner provides you with the in-depth insight and practical advice you need to help your company survive and thrive in the increasingly risky conditions of the 21st century. |
| discover financial services logo: Financial Services Fact Book Insurance Information Institute, 2009 |
| discover financial services logo: Vault Guide to the Top Financial Services Employers Derek Loosvelt, 2006 From the author of the Vault Guide to the Top 50 Banking Employers, now in its 9th edition, this Guide profiles 55 employers, including American Express, AIG, Capital One, Fidelity, FleetBoston, GE Capital, Prudential, Vanguard Group, and Visa. The inside scoop on what it's like to work and what it takes to get hired there. Based on interviews and surveys of actual employees. |
| discover financial services logo: Quit Annie Duke, 2022-10-04 From the bestselling author of Thinking in Bets comes a toolkit for mastering the skill of quitting to achieve greater success Business leaders, with millions of dollars down the drain, struggle to abandon a new app or product that just isn’t working. Governments, caught in a hopeless conflict, believe that the next tactic will finally be the one that wins the war. And in our own lives, we persist in relationships or careers that no longer serve us. Why? According to Annie Duke, in the face of tough decisions, we’re terrible quitters. And that is significantly holding us back. In Quit, Duke teaches you how to get good at quitting. Drawing on stories from elite athletes like Mount Everest climbers, founders of leading companies like Stewart Butterfield, the CEO of Slack, and top entertainers like Dave Chappelle, Duke explains why quitting is integral to success, as well as strategies for determining when to hold em, and when to fold em, that will save you time, energy, and money. You’ll learn: How the paradox of quitting influences decision making: If you quit on time, you will feel you quit early What forces work against good quitting behavior, such as escalation commitment, desire for certainty, and status quo bias How to think in expected value in order to make better decisions, as well as other best practices, such as increasing flexibility in goal-setting, establishing “quitting contracts,” anticipating optionality, and conducting premortems and backcasts Whether you’re facing a make-or-break business decision or life-altering personal choice, mastering the skill of quitting will help you make the best next move. |
| discover financial services logo: 2024 Culture & Conduct Risk in the Banking Sector Stephen Scott, 2024-06-11 Starling is pleased to offer the seventh edition in its annual Compendium series for 2024, a comprehensive report detailing the priorities and activities of bank regulators regarding firm culture and conduct risk management. This year's report features contributions from more than 30 senior banking industry executives, regulators and central bankers, international standard-setters, and academics. We also report on major developments, events, and analysis on culture & conduct risk management supervision across major global financial markets. |
| discover financial services logo: Guide to Computer Network Security Joseph Migga Kizza, 2020-06-03 This timely textbook presents a comprehensive guide to the core topics in cybersecurity, covering issues of security that extend beyond traditional computer networks to the ubiquitous mobile communications and online social networks that have become part of our daily lives. In the context of our growing dependence on an ever-changing digital ecosystem, this book stresses the importance of security awareness, whether in our homes, our businesses, or our public spaces. This fully updated new edition features new material on the security issues raised by blockchain technology, and its use in logistics, digital ledgers, payments systems, and digital contracts. Topics and features: Explores the full range of security risks and vulnerabilities in all connected digital systems Inspires debate over future developments and improvements necessary to enhance the security of personal, public, and private enterprise systems Raises thought-provoking questions regarding legislative, legal, social, technical, and ethical challenges, such as the tension between privacy and security Describes the fundamentals of traditional computer network security, and common threats to security Reviews the current landscape of tools, algorithms, and professional best practices in use to maintain security of digital systems Discusses the security issues introduced by the latest generation of network technologies, including mobile systems, cloud computing, and blockchain Presents exercises of varying levels of difficulty at the end of each chapter, and concludes with a diverse selection of practical projects Offers supplementary material for students and instructors at an associated website, including slides, additional projects, and syllabus suggestions This important textbook/reference is an invaluable resource for students of computer science, engineering, and information management, as well as for practitioners working in data- and information-intensive industries. |
| discover financial services logo: How to Repair Your Credit Score Now Jamaine Burrell, 2007 Offering a road map to repairing credit information, this new book offers tips on how to use legal rights to maintain a stronger credit profile, repair bad credit, improve credit scores, and correct personal information. |
| discover financial services logo: Eminent Grewals Dr Dalvinder Singh Grewal, |
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Apply for a Credit Card Online from Discover
You can apply for most Discover credit cards at Discover.com or by calling 1-800-DISCOVER (1-800-347-2683). Keep in mind that you must be at least 18 to apply. If you’re under age 21 or …
Credit Card Benefits - Discover
Log in to your Discover Card account securely. Check your balance, pay bills, review transactions and more using the Discover Account Center, 24 hours a day, seven days a week.
Account Home | Discover
Log in to your Discover Card account securely. Check your balance, pay bills, review transactions and more using the Discover Account Center, 24 hours a day, seven days a week.
Capital One-Discover Merger FAQ: What Customers Need to Know …
We’re pleased to announce that on May 18, 2025, Discover Bank merged into Capital One, N.A. (“Capital One”). If you have any questions about credit cards, online banking accounts, or loans, …
Register Your Discover Account for Online Access | Discover
Register your Discover Credit Card, Banking, Home Loan, Student Loan or Personal Loan account for online access.
About Discover - Credit Cards, Banking, Loans and More | Discover …
Get to know Discover Financial Services. Learn about our company, our products, and our corporate culture. Plus, check news, investor relations, and careers.
Log in to Redeem Rewards | Discover
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Credit Card Login - Discover
Log in to your Discover Card account securely. Check your balance, pay bills, review transactions and more using the Discover Account Center, 24 hours a day, seven days a week.
