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This book is meant to guide the listener on a journey of discovery through basic definitions and how they apply to the total financial picture. The author believes in the universal application of the principles therein. This is a book to be listened to and studied over and over for maximum benefit. You will certainly profit from your listenings. Managing finances is by far the most important personal activity in daily life. Everyone needs money to live and certainly wants enough to live comfortably now and into the future.

The National Center Against Bullying (NCAB) defines bullying as a continuous process involving intentional hurt, humiliation, and harm to a victim who has difficulty stopping the behavior. Among students, bullying is perceived as social or physical control-based behavior. It is important to note that defining bullying varies greatly and may not be solely linked to the terminology, but mostly the experience of the victims.

This audiobook summarizes what all educational stakeholders need to know about bullying to guide in making informed decisions.