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 their household's main breadwinner in one-in-four households in the UK. And yet, the majority of women still aren't being brought up to think like breadwinners. In fact, they're actually 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 the main breadwinners, 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.

The first Handbook as part of a new series which is set to define the emerging transdisciplinary field of Workplace Management Truly interdisciplinary and international chapters and authors, the book will appeal to those in real estate, planning, architecture, business, management, facilities management, economics, law, sociology, psychology No other book presents this breadth of interdisciplinary content on Workplace Management

This book examines the history of what became one of Portugal's largest banks, the Caixa Geral de Depositos. The bank was founded in 1876 by the state to run public deposits, and evolved into a savings bank, catering for both public and private deposits. Its history goes beyond the history of banking, as it ties in with the role of the state in the banking sector and financial markets. The book weaves in and out of different political and international contexts, following the many changes of the Portuguese political regime and of its interactions with the national and international economy. The most important lesson from the study is that publicly owned institutions can compete successfully with the private sector when they simultaneously cater for the interests of policy makers as well as those of the public, in this case, the depositors. The history of the Caixa Geral de Depositos therefore shows how the state of a peripheral economy is capable of successfully managing a large financial institution when the right set of incentives is in place. This work will be a valuable resource for researchers and students of financial and economic history at both the advanced undergraduate and postgraduate levels. It will also provide interesting insights for practitioners in the financial sector.

This fourth edition of Urban Planning and Real Estate Development guides readers through the procedural and practical aspects of developing land from the point of view of both planner and developer. The twin processes of planning and property development are inextricably linked - it is not possible to carry out a development strategy without an understanding of the planning process, and, equally, planners need to know how real estate developers do their job. The planning system is explained, from the increasing emphasis on spatial planning at a national, local, and neighbourhood level down to the detailed perspective of the development management process and the specialist requirements of historic buildings and conservation areas. At the same time, the authors explain the entire development process from inception, through appraisal, valuation, and financing, to completion. Sustainability and corporate social responsibility and their impact on planning and development are covered in detail, and the future consequences of the COVID-19 pandemic are explored in new opening and closing chapters setting the text in a global context. Written by a team of authors with many years of academic, professional, and research experience, and illustrated throughout with practical case studies and follow-up resources, this book is an invaluable textbook for real estate and planning students and helps to meet the requirements of the RICS and RTPI Assessment of Professional Competence.

The question of why citizens pay their taxes has attracted increased attention in the tax compliance literature of late. In this book, Benno Torgler considers the evidence that suggests that enforcement efforts cannot fully explain the high degree of tax compliance within society. To attempt to resolve this puzzle, numerous researchers have argued that citizens' attitudes towards paying taxes (defined as tax morale) help to explain the high degree of compliance. Yet most have treated tax morale itself as a black box, failing to discuss the issues influencing it. This unique volume provides important new insights into the factors that shape the emergence and maintenance of citizens' willingness to cooperate with tax legislations in different societies. Distinctive in its examination of citizen tax morale and tax compliance, this book will be of great interest to academics, researchers and students concerned with economics, political science, sociology, social psychology and accounting. It will also appeal to policymakers and practitioners.

How can financial flows help the EU fulfil its mandate to promote economic, social and territorial cohesion, and solidarity among Member States enshrined in the EU Treaty? Dissecting the complexity of cohesion, this book examines the factors that matter most for the functioning of the Economic and Monetary Union and the convergence of Central, Eastern and Southeastern European (CESEE) countries. This insightful and timely book brings together central bankers, policy makers and academics to discuss how to best advance and fund the catching-up process of the euro area and CESEE countries. Focusing on a modern understanding of industrial policy - which fosters skills, innovation and infrastructure - contributors highlight how the EU's regional policy can better meet persistent investments needs. Critical and comprehensive, this book is crucial reading for researchers at all levels focusing on policy reform in emerging European economies. Central bankers and policy experts in public or international organizations will also benefit from this book's contemporary perspective on monetary and industrial policies.

A practical, hands-on guide to building your mastery of candlestick charting and analysis

Candlestick charting has become one of today's most popular technical analysis tools for both individual and professional investors. And it's much easier than you probably think. In fact, creating a candlestick chart demands no more information than traditional charting requires. With candle pattern analysis, the payoff is a deeper look into the minds of investors and a clearer view of supply and demand dynamics.

In this companion volume to his bestselling "Candlestick Charting Explained," Gregory L. Morris delivers hands-on knowledge you need to make candlestick charting and analysis a key element of your portfolio-building strategy. With this book you will be able to: Identify candle patterns and quickly see what traders and investors are thinking Use reversal patterns to enter or reverse your positions Identify continuation patterns to establish additional positions Utilize charting software to recognize patterns automatically

Packed with study questions, data tables, diagnostic tools, terminology, sample charts, and market analyses, "Candlestick Charting Explained Workbook" helps you speed up the learning process and ramp up the profits.

This book develops a model to evaluate and assess life-cycle greenhouse gas emissions based on typical Australian commercial building design options. It also draws comparisons between some of the many green building rating tools that have been developed worldwide to support sustainable development. These include: Leadership in Energy and Environmental Design (LEED) by the United States Green Building Council (USGBC), Building Research Establishment Environmental Assessment Method (BREEAM) by the Building Research Establishment, Comprehensive Assessment System for Building Environmental Efficiency (CASBEE) by the Japanese Sustainable Building Consortium, and Green Star Environmental Rating System by the Green Building Council of Australia. Life-cycle assessment (LCA), life-cycle energy consumption, and life-cycle greenhouse gas emissions form the three pillars of life-cycle studies, which have been used to evaluate environmental impacts of building construction. Assessment of the life-cycle greenhouse gas emissions of buildings is one of the significant obstacles in evaluating green building performance. This book explains the methodology for achieving points for the categories associated with reduction of greenhouse gas emissions in the Australian Green Star rating system. The model for the assessment uses GaBi 8.7 platform along with Visual Basic in Microsoft Excel and shows the relationship between the building's energy consumption and greenhouse gas emissions released during the lifetime of the building. The data gathered in the book also illustrates that the green building design and specifications are becoming more popular and are being increasingly utilized in Australia. This book is important reading for anyone interested in sustainable construction, green design and buildings and LCA tools.

While industrial and chemical innovations have contributed extensively to human advancement, the darker part of their legacy has been the hundreds of thousands of polluted sites left behind. Governments at all levels have rallied to support the remediation and reuse of these land resources and put many of the nation's brownfields back into productive use. This book presents two dozen brownfield projects in the United States that have incorporated sustainability, highlighting project features, best management practices, and lessons from the field regarding the underlying policies and practices that enabled these projects to be completed or, in some cases, stalled, altered or abandoned. The case studies represent an array of brownfield projects that aimed to go beyond conventional practice and include a range and variety of end uses (e.g., corner gas stations, industrial, office, residential, brightfields, green space, mixed-use, and transit-oriented developments). The cases investigate site histories, planning and development and examine sustainability characteristics to understand how projects overcame the barriers to brownfield reuse and the implementation of sustainability features and derive a series of lessons learned, including innovative policies, programs, and/or funding mechanisms that helped make these projects work. Sustainable Brownfield Development will be of interest to developers, planners, consultants and community representatives interested in environmental policy, urban planning, community development, ecological restoration, economic development, and parks planning by providing direction and inspiration for those eager to erase the blight of the past and build a more sustainable future.

While industrial and chemical innovations have contributed extensively to human advancement, the darker part of their legacy has been the hundreds of thousands of polluted sites left behind. Governments at all levels have rallied to support the remediation and reuse of these land resources and put many of the nation's brownfields back into productive use. This book presents two dozen brownfield projects in the United States that have incorporated sustainability, highlighting project features, best management practices, and lessons from the field regarding the underlying policies and practices that enabled these projects to be completed or, in some cases, stalled, altered or abandoned. The case studies represent an array of brownfield projects that aimed to go beyond conventional practice and include a range and variety of end uses (e.g., corner gas stations, industrial, office, residential, brightfields, green space, mixed-use, and transit-oriented developments). The cases investigate site histories, planning and development and examine sustainability characteristics to understand how projects overcame the barriers to brownfield reuse and the implementation of sustainability features and derive a series of lessons learned, including innovative policies, programs, and/or funding mechanisms that helped make these projects work. Sustainable Brownfield Development will be of interest to developers, planners, consultants and community representatives interested in environmental policy, urban planning, community development, ecological restoration, economic development, and parks planning by providing direction and inspiration for those eager to erase the blight of the past and build a more sustainable future.

Mainstream financial economics has largely ignored the complex cognitive and motivational factors that guide investor trading decisions and that influence the structure and dynamics of world equity markets. Research shows, however, that investor psychology is reliably linked to predictable momentum and reversals in stock prices and, more generally, to stock market bubbles. The first volume reviews the scientific debate between leading behavioral scientists and proponents of rational markets and rational economic man. It also summarizes key elements of a new psychological theory of stock prices with special emphasis on the formation of investor beliefs and the quality of judgment. The articles in the second Volume support the behavioral approach with international evidence collected from many sources. Major anomalies in financial decision-making and in the behavior of equity markets are interpreted in the context of new experimental, empirical, and theoretical research.

Already in just a decade of existence, cryptocurrencies have been the world's best-performing financial asset, outperforming stocks, bonds, commodities and currencies. This comprehensive yet concise book will enable the reader to learn about the nuts and bolts of cryptocurrencies, including their history, technology, regulations and economics. Additionally, this book teaches sound investment strategies that already work along with the spectrum of risks and returns. This book provides a plain-language primer for beginners worldwide on how to confidently navigate the rapidly evolving world of cryptocurrencies. Beginning by cutting to the chase, the author lists the common burning questions about cryptocurrency and provides succinct answers. Next, he gives an overview of cryptocurrency's underlying technology: blockchain. He then explores the history of cryptocurrency and why it's attracted so much attention. With that foundation, readers will be ready to understand how to invest in cryptocurrency: how cryptocurrency differs from traditional investments such as stocks, how to decide which cryptocurrency to invest in, how to acquire it, how to send and receive it, along with investment strategies. Additionally, legal issues, social implications, cybersecurity risks and the vocabulary of cryptocurrency are also covered, including Bitcoin and the many alternative cryptocurrencies. Written by a journalist-turned-professor, this book's appeal lies in its succinct, informative and easy-to-understand style. It will be of great interest to anyone looking to further their understanding of what cryptocurrency is, why it's a big deal, how to acquire it, how to send and receive it, and investment strategies.

This book sheds light on what has come to be known as corporate foresight and its influence on innovation management. Throughout the book, the contributors examine the practice of corporate foresight and how it may lead to the identification of opportunities for innovation. They also explore the complex processes and conditions that may enable (or impede) the potential of contemporary organizations to capture value from their corporate foresight exercises. Representing an interesting mix of competing ideas and perspectives, the book offers deep insights into the interactive effects of corporate foresight and its contribution to innovation management. This book was originally published as a special issue of Technology Analysis & Strategic Management.

The importance of house prices to households, real estate developers, banks and policy-makers cannot be overemphasised. House price changes affect consumer spending and business investment patterns, which in turn affect the wider macro economy and the entire business cycle. Measuring and understanding house prices is therefore essential to a functioning economy, but researchers continue to disagree on the best methodological approach for constructing real estate indices. This book argues the need for more accurate house price indices, outlines the various methods used to construct indices and discusses the existing house price indices around the globe. It shows how the raw data of property transactions can be prepared for the purpose of constructing indices, discusses various applications of property price indices and empirically demonstrates how the index numbers can be used to model the supply of new houses and to estimate the price elasticity of supply. Essential reading for economists, real estate professionals and researchers, and policy-makers.

European venture capital (VC) funds have historically underperformed their US counterparts. This has resulted in reduced investment into European VC by the traditional institutional investors. This book investigates the factors that give rise to the performance difference. It is based on the author's research at the Adam Smith Business School, University of Glasgow which involved a qualitative study of some 64 VC firms in the UK, continental Europe and the US, supplemented by 40 interviews with other stakeholders, including limited partner investors, corporate venturers, entrepreneurs and advisors. Readers will gain an in-depth understanding of the various structural, operational and wider environmental factors that impact on the performance difference between UK/European and US VC funds. The study is unique in that it provides, for the first time, a holistic and extensive analysis of the entire investment process from sourcing deals to exiting deals specifically contrasting Europe and the US in terms of the variables pertaining to the investment process and the impact on the fund performance. Factors impacting on the performance differential are structural, resulting from characteristics of the funds themselves, operational such as the investment practices of the VC firms which manage the funds and environmental such as culture and attitude to risk and the wider ecosystem in which the funds operate. These factors are set out clearly for the reader. The characteristics of the better performing funds in Europe and the US are also investigated. The book is aimed at academics who are researching venture capital fund performance and investment practices and also at practitioners, advisors and policymakers who want to learn about best VC investment practices. Whilst the book is focused on European and US VC investing, the best practices are also pertinent for VC firms and funds setting up in other geographies, particularly in emerging markets. To this end, best practice guidelines based on the research are included.

This book explores China's private lending market from historical, economic, legal, and regulatory perspectives. Private lending refers to moneylending agreements between business borrowers and their debt investors without the involvement of banks. In China, it remains difficult for private entrepreneurs to obtain sufficient loans from state-owned banks. Thus, private lending has been a vital alternative financing channel for over 80 million businesses which are reliant on private funds as their major source of operating capital. The market volume of private financing stands at 5 trillion yuan ($783bn), making it one of the largest shadow banking systems in the world. Despite the wide popularity and systemic importance of private lending activities, they have remained outside of the official regulatory framework, leading to extra financial risks. In 2011, China's private lending sector encountered a severe financial crisis, as thousands of business borrowers failed to repay debts and fell into bankruptcy. Lots of bosses who found it impossible to liquidate debts ran away to hide from creditors. The financial turmoil has caused substantial monetary losses for investors across the country, which triggered social unrest and undermined the financial stability. This book is a timely work intended to demystify China's private lending market by investigating its historical development, operating mechanism, and special characteristics. It evaluates the causes and effects of the latest financial crisis by considering a number of real cases relating to helpless investors and runaway bosses. It conducts an in-depth doctrinal analysis of Chinese laws and regulations regarding private lending transactions. It also examines China's ongoing financial reform to bring underground lending activities under official supervision. Finally, the book points out future development paths for the private lending market. It offers suggestions for global policymakers devising an effective regulatory framework for shadow banking. It appeals to researchers, lecturers, and students in several fields, including law, business, finance, political economy, public policy, and China study.

The Enlightened Shareholder Value principle and Corporate Social Responsibility are areas of increasing academic and research interest. However, discussions on the ESV principle in relation to CSR are very limited. This book provides a critical analysis of the impact of the concept of ESV, embedded in the Companies Act 2006, on CSR and explores the scope for reform. Along with analysing existing empirical research, it presents the findings of an empirical study conducted to determine whether the concept of ESV is capable of promoting or assisting CSR. The book also examines whether implementing an ESV approach has had any impact on the CSR practices of multinational corporations that originate in the UK and operate in developing nations, as in order to assess whether the ESV principle links to CSR both its domestic and international impact need to be considered. This analysis was undertaken through the lens of a case study on the ready-made garment industry in Bangladesh, with some focus on the Rana Plaza factory disaster. This study also assists in demonstrating the changes that need to be made to improve the current situation. Lastly, the book addresses the need for reform in the area and provides possible suggestions for reform. This interdisciplinary book will be of great interest to students and scholars of corporate law, corporate governance and business studies in general as well as policymakers, NGOs and government departments in many countries around the world working in the fields of CSR, sustainability and global supply chains.

Pricing or benchmarking is a process of evaluating the performance of a financial company's products and services or systems, against other businesses, considered to be at the top of their field, by applying a measurement of "best in performance." This book includes contributions from the leading global experts in the field who tackle topics such as whether the Islamic financial system has been dependent on the LIBOR / EURIBOR in its benchmarking exercises to date, and thus, whether it will be affected negatively by the predicted non-existence of the LIBOR / EURIBOR from 2021 onwards. They also address the question of whether the Islamic financial system requires benchmarking of its products and services and consider the emergence of Shari ah-justified benchmarking in today's Islamic financial system. Additionally, they look at how benchmarking formulas should be adapted to ensure the satisfaction of customers within the principles of Maqasid al-Shari ah. It takes a legal and institutional approach to the subject, which readers will find particularly valuable, as there are various forms of Islamic finance institutions that do not conform to established models in the finance industry. Furthermore, there are emerging business models that will benefit from this line of investigation. This book offers a timely analysis of these issues and redresses the existing misconceptions and misinterpretations pertaining to benchmarking, in an Islamic finance context, and, as such, provides guidance and strategies for future directions. It will appeal to researchers of Islamic banking, finance, and insurance, as well as, practitioners, particularly standard setting bodies, regulators, and policy makers.

This book provides the reader with the basis for a theoretical understanding of public-sector finance in general - and more specifically, a comprehensive, policy-oriented application of that understanding to Japanese public finance. Particular emphasis is placed upon developing tools which can be used both theoretically and empirically to clarify essential economic concerns in Japan's public sector. These include the macroeconomic incidence of fiscal decentralization, dependence on government bonds for covering fiscal deficits, and social security reform. In analyzing Japan's underperforming public sector, the authors develop and recommend policy solutions aimed at achieving Japan's growth potential, improving the quality of the public sector, and strengthening the sector's contribution to the Japanese economy. Guiding the reader toward an overall understanding of public-sector reforms, decentralization and fiscal policy in Japan, this book will strongly appeal to academics, students and researchers with an interest in modern public finance theory and macroeconomic analysis.

The Economics of Budget Deficits provides a comprehensive overview of the scholarly literature exploring the causes and consequences of deficit spending and the public debt. Incorporating classical, Keynesian and public choice analyses of debt-financed public expenditures, the two volumes contain major theoretical and empirical contributions to the debate. They cover such critical fiscal policy issues as the history and measurement of budget deficits, the question of who bears the burden of the public debt, the use of deficits to solve problems of dynamic policy inconsistency and the relative effectiveness of fiscal rules and constitutional constraints as mechanisms for achieving budget balance. The editors provide an authoritative introduction to the two volumes and separate overviews of each of the seven parts. The Economics of Budget Deficits is an indispensable reference for all scholars and students interested in fiscal policy and for all policymakers.

The language of credit and debt is almost ubiquitous in daily life. In advanced modern societies, financial institutions and other organizations have become increasingly active in lending money to consumers, and consumers apparently more than willing to take advantage. This groundbreaking new book offers an analysis of this important phenomenon, arguing that we have entered an era in which credit and debt are sanctioned, delivered and collected through new cultural and economic mechanisms.

Written in an accessible and straightforward style, the book takes a multi-disciplinary approach, examining consumer credit and debt in both societal and economic contexts. It explores key topics such as:

• the historical context of credit and debt
• current theories of a consumer-centred society
• the credit industry
• attempts at government regulation.

Credit and Consumer Society establishes the wider analysis of consumer credit and debt as a discipline in its own right. It is important reading for students and researchers in business and management, finance, public policy and sociology, as well as for policy makers and consumer groups working directly in this field.

THE OPTIONS INVESTING BESTSELLER--WITH CRITICAL NEW INSIGHT FOR TODAY'S TUMULTOUS MARKETS

Written in an accessible, easy-to-read style, this new edition of "Understanding Options" provides everything you need to get started on the right foot in the increasingly popular options market.

You'll learn what options are and how they work, their pros and cons, their relationship with stocks, and how to use them to gain leverage, generate extra income, and protect against adverse price movements. "Understanding Options" covers everything that has made it the go-to guide for novice investors--plus it has brand-new information and features, including: Updated facts, charts, and figures Expanded coverage of collars, credit and debit spreads, mini-options, the Greeks, and protective puts Key strategy insights from master options traders A critical look at trading options on ETFs

Options simply are not as confusing as the other books make them seem. Written specifically for the novice, "Understanding Options" is the best, most inviting guide available for building a solid foundation in options investing.

This book investigates co-housing as an alternative housing form in relation to sustainable urban development. Co-housing is often lauded as a more sustainable way of living. The primary aim of this book is to critically explore co-housing in the context of wider social, economic, political and environmental developments. This volume fills a gap in the literature by contextualising co-housing and related housing forms. With focus on Denmark, Sweden, Hamburg and Barcelona, the book presents general analyses of co-housing in these contexts and provides specific discussions of co-housing in relation to local government, urban activism, family life, spatial logics and socio-ecology. This book will be of interest to students and researchers in a broad range of social-scientific fields concerned with housing, urban development and sustainability, as well as to planners, decision-makers and activists.

Multi-owned properties make up an ever-increasing proportion of commercial, tourist and residential development, in both urban and rural landscapes around the world. This book critically analyses the legal, social and economic complexities of strata or community title schemes. At a time when countries such as Australia and the United States turn ever larger areas into strata title/condominiums and community title/homeowner associations, this book shows how governments, the judiciary and citizens need to better understand the ramifications of these private communities. Whilst most strata title analysis has been technical, focusing on specific sections of legislation, this book provides higher level analysis, discussing the wider economic, social and political implications of Australia's strata and community title law. In particular, the book argues that private by-laws, however desirable to initial parties, are often economically inefficient and socially regressive when enforced against an ever-changing group of owners. The book will be of particular interest to scholars and legal practitioners of property law in Australia, but as the Australian strata title model has formed the basis for legislation in many countries, the book draws out lessons and analysis that will be of use to those studying privately-owned communities across the world.