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Books > Business & Economics > Finance & accounting > Finance
A new kind of manifesto for the working woman, with practical
guidance on building wealth as well as inspiration for harnessing
the freedom and power that comes from a breadwinning mindset. Women
are now the main breadwinner in one-in-four households in the UK.
Yet the majority of women still aren't being brought up to think
like breadwinners. In fact, they're actively discouraged - by
institutional bias and subconscious beliefs - from building their
own wealth, pursuing their full earning potential, and providing
for themselves and others financially. The result is that women
earn less, owe more, and have significantly less money saved and
invested for the future than men do. And if women do end up as the
main breadwinner, they've been conditioned to feel reluctant and
unprepared to manage the role. In Think Like a Breadwinner,
financial expert Jennifer Barrett reframes what it really means to
be a breadwinner by dismantling the narrative that women don't -
and shouldn't - take full financial responsibility to create the
lives they want. Featuring a wide variety of case studies from
women at all stages of their careers and financial lives, Barrett
shares the secrets of women who already think like breadwinners.
Barrett reveals not only the importance of women building their own
wealth, but also the freedom and power that comes with it.
'Barrett's manifesto is a must read for any woman at any stage of
her career.' - Eve Rodsky, author of Fair Play
In today s global society, microfinance affords lower income
individuals the opportunity to improve their economic situation
through a democratic, market-based process. Advanced Technologies
for Microfinance: Solutions and Challenges is the first book to
systematically address technology s impact on microfinance. It
discusses a wide variety of technology applications that will
define the next generation of the microfinance movement and it
addresses the tough questions surrounding technology in
microfinance. For instance, what are the disadvantages of
technology-enabled microfinance and what will it mean for the
inclusiveness and empowerment of the service? This dynamic
collection is a must-have for anyone interested in microfinance,
whether you are a donor, lender, or investor.
This timely book provides an authoritative analysis of the pension
reform process in nine countries, namely Australia, Canada, France,
Germany, Italy, the Netherlands, New Zealand, the UK and USA, with
Japan being covered in the introduction by the editors. The book
draws on the work of experts from each of these countries to
provide a picture of how the pension systems work in each country.
The contributors examine the policy reform process in each country,
against the background of the fiscal stresses arising from the
ageing populations in OECD countries. They also analyse whether
different types of pension delivery systems (e.g. the
public-private mix) generate different standards of living. Each
study is prepared according to a common template allowing
meaningful analysis of pension delivery and outcomes across
countries using similar macroeconomic statistics and microdata.
Pension Systems and Retirement Incomes across OECD Countries is an
extremely valuable and empirically sound book on a highly topical
subject. It will appeal to scholars of economics, public policy,
political science and finance as well as being of great interest to
policymakers and practitioners involved in pension fund management.
Although coercion is a fundamental and unavoidable part of our
social lives, economists have not offered an integrated analysis of
its role in the public economy. The essays in this book focus on
coercion arising from the operation of the fiscal system, a major
part of the public sector. Collective choices on fiscal matters
emerge from and have all the essential characteristics of social
interaction, including the necessity to force unwanted actions on
some citizens. This was recognized in an older tradition in public
finance which can still serve as a starting point for modern work.
The contributors to the volume recognize this tradition, but add to
it by using contemporary frameworks to study a set of related
issues concerning fiscal coercion and economic welfare. These
issues range from the compatibility of an open access society with
the original Wicksellian vision to the productivity of coercion in
experimental games.
This book deals with risk management and the organisation of
banking in Swedish savings banks alongside the development in other
European countries. The period of analysis begins with the
establishment of the first savings banks in 1820 and ends in 1910.
During this period, banking developed as a well-functioning system
for deposits and credits. The book focuses on this development from
a theoretical perspective connected to risk management and the role
of trust and legitimacy in credits and savings. The analysis deals
with the overall development of the Swedish banking system and the
role of savings banks as well as bank connections with different
groups of customers. Of interest to financial historians,
academics, and researchers, it also analyses the role of insider
lending and the practical aspects of granting credits, such as the
use of collaterals and the level of interest rates to compensate
higher risks.
In recent decades, local government has become increasingly
complex. The Political Economy of Local Government draws upon
recent developments in economics, including new institutional
economics, and contemporary advances in the theories of social
capital and leadership, in order to explain local government policy
formulation. The authors go beyond the study of local public goods
to explore the sources of market failure and examine whether local
authorities are more susceptible to certain types of government
failure. In addition, a transaction cost analysis of markets,
hierarchies and networks is applied to ascertain the comparative
institutional advantage local authorities might have in the supply
of local governance. The book also considers the extent of the
influence that these recent advances in the theories of social
capital and leadership have on the process and implementation of
local government policy. This book offers a fresh and readily
accessible perspective on the political economy of local government
policy making, and will be of particular interest to students and
practitioners of economics, political science, public
administration, policy studies and local government.
The history of the Rio Grande since the late nineteenth century
reflects the evolution of water-resource management in the West. It
was here that the earliest interstate and international
water-allocation problems pitted irrigators in southern New Mexico
against farmers downstream in El Paso and Juarez, with the
voluntary resolution of that conflict setting important precedents
for national and international water law.
In this first scholarly treatment of the politics of water law
along the Rio Grande, Douglas R. Littlefield describes those early
interstate and international water- apportionment conflicts and
explains how they relate to the development of western water law
and policy and to international relations with Mexico. Littlefield
embraces environmental, legal, and social history to offer clear
analyses of appropriation and riparian water rights doctrines,
along with lucid accounts of court cases and laws. Examining events
that led up to the 1904 settlement among U.S. and Mexican
communities and the formation of the Rio Grande Compact in 1938,
Littlefield describes how communities grappled over water issues as
much with one another as with governmental authorities.
"Conflict on the Rio Grande" reveals the transformation of
nineteenth- and early twentieth-century law, traces changing
attitudes about the role of government, and examines the ways these
changes affected the use and eventual protection of natural
resources. Rio Grande water policy, Littlefield shows, represents
federalism at work--and shows the West, in one locale at least,
coming to grips with its unique problems through negotiation and
compromise.
Financial expert, investment advisor and New York Times bestselling
author James Rickards shows how generative AI is reshaping the world of
finance, explaining what smart investors can do to protect their assets.
AI-powered programmes like ChatGPT have become valuable tools in the
financial market, and proven to be incredibly beneficial to investors
looking to identify investment opportunities and risks that might be
overlooked by humans. Yet there is a darker side to these products,
which we are only just beginning to fully understand.
In this book, Rickards shows how models like ChatGPT work, and how they
can be leveraged to capitalize on markets and avoid losses by providing
accurate, up-to-date financial insights. Rickards’ guide is essential
reading for anyone looking to navigate this tumultuous new climate.
James Rickards breaks down the best ways you can protect your wealth in
the age of the shifting financial markets, busting the myths
surrounding all the usual doomsday predictions around super intelligent
AI.
The present work examines the economics and legal doctrine of
private equity. After a consideration of private equity's origins,
the book will explore the evolution of private equity in the United
States and Europe. The reference economic model then will be
reconstructed, with particular attention to financial flows to and
from private equity firms and funds. This reconstruction will be
instrumental for the subsequent analysis of remunerative policies
and practices of private equity firms and the illustration of
recommendations to improve them, especially following the subprime
mortgage crisis of 2008. The book concludes with critical points
for operators, legislators, and regulatory authorities in the light
of the results of the economic analysis of private equity and of
comparative regulatory analysis.
The Handbook of Research on E-Portfolios is the single source for
comprehensive coverage of the major themes of e-portfolios,
addressing all of the major issues, from concept to technology to
implementation. It is the first reference publication to provide a
complete investigation on a variety of e-portfolio uses through
case studies and supporting technologies, and also explains the
conceptual thinking behind current uses and potential uses not yet
implemented. Over 70 international experts with countless years of
experience lend this handbook the credibility that assures its
readers of its extensive, recent, and reliable content. ""The
Handbook of Research on E-Portfolios"" is the first handbook to
investigate commercial and academic e-portfolio systems -
home-grown, off the shelf, and open source - and to supply
proof-of-concept evidence of successful systems.
This original book is the first serious study investigating the
crowdfunding phenomenon, which has developed deep meaning for
various stakeholders benefiting from this funding collection
mechanism and its innovative new role, especially in the processes
of business creation and spread of entrepreneurship. The actors
involved -promoters, supporters, and the platforms through which
the campaigns are launched - constitute an ecosystem in continuous
evolution, which has grown dramatically and allows for its further
development. Irini Liakopoulou has conducted with the "multiple
paper thesis" method in which original and innovative contributions
are presented, applying new techniques and methodologies. The
book's goal is to foster debate about crowdfunding, an
under-researched topic whose implications are not fully understood
but will be a vital part of social and economic life in the future.
Freedom, Opportunity, and Security is a book on government economic
policy which will have some appeal to both sides of the political
divide. The book starts from basic principles to develop the case
for a free economy, and then presents the case for policies to
provide opportunity and security. However, all policies are subject
to the reality constraint that the average real wage equals the
average level of productivity. Downing's incisive analysis
considers many questions in regard to economic policy. For
instance, why Keynesians are right that aggregate demand
stabilization is crucial, but wrong to think that discretionary
policy is the best way to achieve it. He also answers why
government debt could be good or could be bad, depending on what it
is used for and how it will be paid back. He analyzes how greedy
lenders caused the mortgage crisis, but that greed alone cannot
explain why lenders would carelessly lend heedless of the prospects
for repayment. Additionally, he explores how concentrated economic
power is a problem, but there is risk that government policy
ostensibly exercised to benefit the powerless can in fact be
twisted to further enrich the rich. Downing offers a comprehensive
analysis of every level of economic policy and government
structure. Even when we know the best economic policy, there is a
problem if the political system rewards candidates who support
narrow-interest policies more than general-interest policies. This
book offers strategies to improve our dysfunctional presidential
nomination system and uncompetitive congressional elections.
Interest rate modeling and the pricing of related derivatives
remain subjects of increasing importance in financial mathematics
and risk management. This book provides an accessible introduction
to these topics by a step-by-step presentation of concepts with a
focus on explicit calculations. Each chapter is accompanied with
exercises and their complete solutions, making the book suitable
for advanced undergraduate and graduate level students.This second
edition retains the main features of the first edition while
incorporating a complete revision of the text as well as additional
exercises with their solutions, and a new introductory chapter on
credit risk. The stochastic interest rate models considered range
from standard short rate to forward rate models, with a treatment
of the pricing of related derivatives such as caps and swaptions
under forward measures. Some more advanced topics including the BGM
model and an approach to its calibration are also covered.
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