Discover the keys to personal financial management with the practical introduction in Garman/Fox's market-leading PERSONAL FINANCE, 14th EDITION. The step-by-step approach gives you a set of actionable items on how to save and invest, manage financial risk, plan for taxes, decrease credit card debt and reduce financial stress throughout your lifetime. Financial planning sounds easy but has proven difficult for far too many. Throughout the book you will find many "notes from our future selves", which are based on decades of research in personal finance where the authors have come to understand the cognitive and implicit biases that influence our financial decisions. All too often, these biases distract people from a more direct path to financial goals. Many math-based examples allow you to get your hands on the ideas behind trading present consumption for that planned in the future. With the latest updates and learning tools, this edition prepares you for personal financial success.

There is a growing realization among international relations scholars and practitioners that religion is a critical factor in global politics. The Iranian Revolution, the September 11 attacks, the ethno-religious conflicts such as the ones in the former Yugoslavia and Sri Lanka are among the many reasons for this increased focus on religion in international affairs. The rise of religious political parties across the world ranging from the Christian Democrats in Europe to Bharatiya Janata Party in India similarly illustrated religion's heightened international profile. Despite all this attention, it is challenging to situate religion within a discipline which has been dominantly secular from its inception. Only a few existent works have ventured to integrate religion into core international relations theories such as Classical Realism, Neorealism, Neoliberalism, Constructivism and the English school. This work is the first systematic attempt to comparatively assess the place of religion in the aforementioned theoretical strands of international relations with contemporary examples from around the world. Written in an accessible and systematic fashion, this book will be an important addition to the fields of both religion and international relations. Nukhet A. Sandal is Assistant Professor in the Political Science Department at Ohio University. Jonathan Fox is Professor in the Department of Political Studies at Bar Ilan University, Israel.

There is a growing realization among international relations scholars and practitioners that religion is a critical factor in global politics. The Iranian Revolution, the September 11 attacks, the ethno-religious conflicts such as the ones in the former Yugoslavia and Sri Lanka are among the many reasons for this increased focus on religion in international affairs. The rise of religious political parties across the world ranging from the Christian Democrats in Europe to Bharatiya Janata Party in India similarly illustrated religion's heightened international profile. Despite all this attention, it is challenging to situate religion within a discipline which has been dominantly secular from its inception. Only a few existent works have ventured to integrate religion into core international relations theories such as Classical Realism, Neorealism, Neoliberalism, Constructivism and the English school. This work is the first systematic attempt to comparatively assess the place of religion in the aforementioned theoretical strands of international relations with contemporary examples from around the world. Written in an accessible and systematic fashion, this book will be an important addition to the fields of both religion and international relations. Nukhet A. Sandal is Assistant Professor in the Political Science Department at Ohio University. Jonathan Fox is Professor in the Department of Political Studies at Bar Ilan University, Israel.

This comprehensive volume examines the nature, causes, and consequences of state religion policy in 183 countries between 1990 and 2014. Each contribution uses round 3 of the Religion and State dataset which includes information on 117 distinct state religion policies. Secular and religious forces in society and government compete in order to influence state religion policy in a vibrant religious economy. While governments are more involved in religion in 2014 than they were in 1990, most states both added and dropped religion policies during this period. This is important because these policies impact on a number of important political, social, and economic phenomena. In this collection the authors examine the impact of state religion policies on interstate militarized disputes, violent domestic conflict, terrorism, and voting for political parties. They also examine some of the factors that influence state religion policy, including the attitudes of citizens toward religion and religious minorities, free and open elections, and having an independent judiciary. This book was originally published as a special issue of the journal Religion, State & Society.

This new book tackles two crucial questions: First, how does religion in its various forms and manifestations influence world politics? Second, how will adding religion to the discourse on international relations modify our theoretical understanding? Each of these leading authors addresses different aspects of these questions in different contexts providing a diverse and multifaceted view of the topic. Susanna Pearce and Tanja Ellingsen examine the religious causes of conflict on the macro-level. Several of the contributors focus on specific conflicts. The Gaurav Ghose and Patrick James examine the Kashmir conflict from the Pakistani perspective and Carolyn James and Ozgur. Ozdamar examine it from the Indian perspective. Similarly Hillel Frisch examines the Palestinian-ISraeli conflict from the Palestinian perspective and Jonathan Rynhold examines it from the Israeli perspective. Finally, two of the authors examine other important issues. Stuart Cohen examines the evolution of the religious view of war in the Jewish tradition and Yehudit Auerbach examines whether can play a role in conflict resolution and reconciliation. These assessments deliver fascinating conclusions. This book was previously published as a Special Issue of Terrorism and Violence.

Religious discrimination is the norm in many countries around the world, and the rate is rising. Nearly every country which discriminates does so unequally, singling out some religious minorities for more discrimination than others. Religious tradition does not explain this complex issue. For example, Muslim majority states include both the most discriminatory and tolerant states in the world, as is also the case with Christian majority states. Religious ideologies, nationalism, regime, culture, security issues, and political issues are also all part of the answer. In The Unfree Exercise of Religion Jonathan Fox examines how we understand concepts like religious discrimination and religious freedom, and why countries discriminate. He makes a study of religious discrimination against 597 religious minorities in 177 countries between 1990 and 2008. While 29 types of discrimination are discussed in this book, the most common include restrictions in places of worship, proselytizing, and religious education.

This new book tackles two crucial questions: First, how does religion in its various forms and manifestations influence world politics? Second, how will adding religion to the discourse on international relations modify our theoretical understanding? Each of these leading authors addresses different aspects of these questions in different contexts providing a diverse and multifaceted view of the topic. Susanna Pearce and Tanja Ellingsen examine the religious causes of conflict on the macro-level. Several of the contributors focus on specific conflicts. The Gaurav Ghose and Patrick James examine the Kashmir conflict from the Pakistani perspective and Carolyn James and Ozgur. Ozdamar examine it from the Indian perspective. Similarly Hillel Frisch examines the Palestinian-ISraeli conflict from the Palestinian perspective and Jonathan Rynhold examines it from the Israeli perspective. Finally, two of the authors examine other important issues. Stuart Cohen examines the evolution of the religious view of war in the Jewish tradition and Yehudit Auerbach examines whether can play a role in conflict resolution and reconciliation. These assessments deliver fascinating conclusions. This book was previously published as a Special Issue of Terrorism and Violence.

This comprehensive volume examines the nature, causes, and consequences of state religion policy in 183 countries between 1990 and 2014. Each contribution uses round 3 of the Religion and State dataset which includes information on 117 distinct state religion policies. Secular and religious forces in society and government compete in order to influence state religion policy in a vibrant religious economy. While governments are more involved in religion in 2014 than they were in 1990, most states both added and dropped religion policies during this period. This is important because these policies impact on a number of important political, social, and economic phenomena. In this collection the authors examine the impact of state religion policies on interstate militarized disputes, violent domestic conflict, terrorism, and voting for political parties. They also examine some of the factors that influence state religion policy, including the attitudes of citizens toward religion and religious minorities, free and open elections, and having an independent judiciary. This book was originally published as a special issue of the journal Religion, State & Society.

In Religion, Civilization, and Civil War author Jonathan Fox carves out a new space of research and interrogation in conflict studies. As a preeminent observer of religious trends on domestic conflicts, Fox utilizes new statistical analysis in the Minorities at Risk (MAR) dataset - which tracks several hundred politically active ethnic groups across the globe, to examine the impact of religion and religious practice on rebellion, protest, discrimination, and international intervention. Fox also employs the State Failure (SF) dataset, which tracks internal wars and failed governances. Fox expertly uses this information to analyze ethnic wars, mass killings, and civil wars between 1948 and 2001. Covering over five decades, this study provides the most comprehensive and detailed empirical analysis of the impact of religion and civilization on domestic conflict to date and will become a critical resource for both international relations and political science scholars. Like his first book, Ethnoreligious Conflict in the Late 20th Century: A General Theory, which was touted as closing gaps in the concept of ethnoreligious conflict, Religion, Civilization, and Civil War provides the data to substantiate, expand, and transform the way scholars understand global conflict since World War Two.

In Religion, Civilization, and Civil War author Jonathan Fox carves out a new space of research and interrogation in conflict studies. As a preeminent observer of religious trends on domestic conflicts, Fox utilizes new statistical analysis in the Minorities at Risk (MAR) dataset - which tracks several hundred politically active ethnic groups across the globe, to examine the impact of religion and religious practice on rebellion, protest, discrimination, and international intervention. Fox also employs the State Failure (SF) dataset, which tracks internal wars and failed governances. Fox expertly uses this information to analyze ethnic wars, mass killings, and civil wars between 1948 and 2001. Covering over five decades, this study provides the most comprehensive and detailed empirical analysis of the impact of religion and civilization on domestic conflict to date and will become a critical resource for both international relations and political science scholars. Like his first book, Ethnoreligious Conflict in the Late 20th Century: A General Theory, which was touted as closing gaps in the concept of ethnoreligious conflict, Religion, Civilization, and Civil War provides the data to substantiate, expand, and transform the way scholars understand global conflict since World War Two.

Jonathan Fox's new work provides the first systematic, empirical study of the role that religion plays in ethnic violence. Ethnoreligious Conflict in the Late Twentieth Century critiques the existing literature on religion and ethnic conflict, then presents and analyzes original quantitative data gathered from a variety of sources. Fox draws upon the Minorities at Risk model of ethnic conflict to develop and test a dynamic and comprehensive theory of religion and conflict. He applies this theory to resurgent conflicts between ethnic groups of different religions--from the Iranian revolution and the Afghan struggle against the Soviets in the 1980s to the ongoing Middle East conflict--to pinpoint the ways in which religion has become intertwined in, and lent legitimacy to, conflicts in the contemporary world.

This fully revised edition offers a comprehensive overview of the many theories of religion and politics and provides students with an accessible, in-depth guide to the subject's most significant debates, issues, and methodologies. It begins by asking the basic questions of how social scientists see religion and why religion remains relevant to politics in the modern era. Fox examines the influence of religious identity, beliefs, institutions and legitimacy on politics, and surveys important approaches and issues found in the literature on religion and politics. Four new chapters on religious policy around the world, political secularism, and religious freedom and human rights have been added to fully revised content covering religious identity, rational choice approaches to religious politics worldviews, beliefs, doctrines, ideologies, institutions and political mobilization, fundamentalism, secularization, and religion and conflict. This work will be essential reading for all students of religion and politics, comparative politics, international relations, and security studies.

First published in 1990. The distribution of rural power in developing countries both shapes and is shaped by national politics. Focusing on Latin America and the Philippines, this volume addresses the question of why rural democratisation has proven to be so difficult across a wide range of national experiences.

This book is among the most thorough and comprehensive analysis of the causes of religious discrimination to date, complete with detailed illustrations and anecdotes. Jonathan Fox examines the causes of government-based religious discrimination (GRD) against 771 minorities in 183 countries over the course of twenty-five years, while offering possible reasons for why some minorities are discriminated against more than others. Fox illustrates the complexities inherent in the causes of GRD, which can emerge from secular ideologies, religious monopolies, anti-cult policies, security concerns and more. Western democracies tend to discriminate more than Christian-majority countries in the developing world, whether they are democratic or not. While the causes of GRD are ubiquitous, they play out in vastly different ways across world regions and religious traditions. This book serves as a method for better understanding this particular form of discrimination, so that we may have the tools to better combat it and foster compassion across people of different religions and cultures.

This fully revised edition offers a comprehensive overview of the many theories of religion and politics and provides students with an accessible, in-depth guide to the subject's most significant debates, issues, and methodologies. It begins by asking the basic questions of how social scientists see religion and why religion remains relevant to politics in the modern era. Fox examines the influence of religious identity, beliefs, institutions and legitimacy on politics, and surveys important approaches and issues found in the literature on religion and politics. Four new chapters on religious policy around the world, political secularism, and religious freedom and human rights have been added to fully revised content covering religious identity, rational choice approaches to religious politics worldviews, beliefs, doctrines, ideologies, institutions and political mobilization, fundamentalism, secularization, and religion and conflict. This work will be essential reading for all students of religion and politics, comparative politics, international relations, and security studies.

Religious discrimination is the norm in many countries around the world, and the rate is rising. Nearly every country which discriminates does so unequally, singling out some religious minorities for more discrimination than others. Religious tradition does not explain this complex issue. For example, Muslim majority states include both the most discriminatory and tolerant states in the world, as is also the case with Christian majority states. Religious ideologies, nationalism, regime, culture, security issues, and political issues are also all part of the answer. In The Unfree Exercise of Religion Jonathan Fox examines how we understand concepts like religious discrimination and religious freedom, and why countries discriminate. He makes a study of religious discrimination against 597 religious minorities in 177 countries between 1990 and 2008. While 29 types of discrimination are discussed in this book, the most common include restrictions in places of worship, proselytizing, and religious education.

This book examines 111 types of state religion policy in 177 countries between 1990 and 2008. Jonathan Fox argues that policy is largely a result of the competition between political secular actors and religious actors, both of which try to influence state religion policy. While there are other factors that influence state religion policy and both the secular and religious camps are divided, Fox offers that the secular-religious competition perspective provides critical insight into the nature of religious politics across the globe. While many states have both increased and decreased their involvement in religion, Fox demonstrates that states which have become more involved in religion are far more common.

This book is among the most thorough and comprehensive analysis of the causes of religious discrimination to date, complete with detailed illustrations and anecdotes. Jonathan Fox examines the causes of government-based religious discrimination (GRD) against 771 minorities in 183 countries over the course of twenty-five years, while offering possible reasons for why some minorities are discriminated against more than others. Fox illustrates the complexities inherent in the causes of GRD, which can emerge from secular ideologies, religious monopolies, anti-cult policies, security concerns and more. Western democracies tend to discriminate more than Christian-majority countries in the developing world, whether they are democratic or not. While the causes of GRD are ubiquitous, they play out in vastly different ways across world regions and religious traditions. This book serves as a method for better understanding this particular form of discrimination, so that we may have the tools to better combat it and foster compassion across people of different religions and cultures.

This book delves into the extent of government involvement in religion between 1990 and 2002 using both quantitative and qualitative methodology. The study is based on the Religion and State dataset, which includes 175 governments across the globe, all of which are addressed individually in this book. The forms of involvement examined in this study include whether the government has an official religion, whether some religions are given preferential treatment, religious discrimination against minority religion, government regulation of the majority religion, and religious legislation. The study shows that government involvement in religion is ubiquitous, that it increased significantly during this period, and that only a minority of states, including a minority of democracies, have separation of religion and state. These findings contradict the predictions of religion's reduced public significance found in modernization and secularization theory. The findings also demonstrate that state religious monopolies are linked to reduced religious participation.

This book delves into the extent of government involvement in religion between 1990 and 2002 using both quantitative and qualitative methodology. The study is based on the Religion and State dataset, which includes 175 governments across the globe, all of which are addressed individually in this book. The forms of involvement examined in this study include whether the government has an official religion, whether some religions are given preferential treatment, religious discrimination against minority religion, government regulation of the majority religion, and religious legislation. The study shows that government involvement in religion is ubiquitous, that it increased significantly during this period, and that only a minority of states, including a minority of democracies, have separation of religion and state. These findings contradict the predictions of religion's reduced public significance found in modernization and secularization theory. The findings also demonstrate that state religious monopolies are linked to reduced religious participation.

A novel analysis that combines traditional theories on anti-Semitism with evidence from 76 nations to explain the determinants that drive discrimination against Jews. Why Do People Discriminate against Jews? provides a data-rich analysis of the causes of discrimination against Jews across the globe. Using the tools of comparative political science, Jonathan Fox and Lev Topor examine the causes of both government-based and societal discrimination against Jews in 76 countries. As they stress, anti-Semitism is an attitude, but discrimination is an action. In examining anti-Jewish discrimination, they combine ideas and theories from classic studies of anti-Semitism with social science theories on the causes of discrimination. On the one hand, conspiracy theories, a major topic in the anti-Semitism literature, are relatively unexplored in the social science literature as a potential instigator of discrimination. On the other, social science theories developed to explain how governments justify discrimination against Muslims are rarely formally applied to the processes that lead to discrimination against Jews. Fox and Topor conclude by identifying three potential causes of discrimination: religious causes, anti-Zionism, and belief in conspiracy theories about Jewish power and world domination. They conclude that while all three influence discrimination against Jews, belief in conspiracy theories is the strongest determinant. The most rigorous and geographically wide-ranging analysis of discrimination against Jews to date, this book reshapes our understanding of the persecution of religious minorities in general and the Jewish people in particular.

A novel analysis that combines traditional theories on anti-Semitism with evidence from 76 nations to explain the determinants that drive discrimination against Jews. Why Do People Discriminate against Jews? provides a data-rich analysis of the causes of discrimination against Jews across the globe. Using the tools of comparative political science, Jonathan Fox and Lev Topor examine the causes of both government-based and societal discrimination against Jews in 76 countries. As they stress, anti-Semitism is an attitude, but discrimination is an action. In examining anti-Jewish discrimination, they combine ideas and theories from classic studies of anti-Semitism with social science theories on the causes of discrimination. On the one hand, conspiracy theories, a major topic in the anti-Semitism literature, are relatively unexplored in the social science literature as a potential instigator of discrimination. On the other, social science theories developed to explain how governments justify discrimination against Muslims are rarely formally applied to the processes that lead to discrimination against Jews. Fox and Topor conclude by identifying three potential causes of discrimination: religious causes, anti-Zionism, and belief in conspiracy theories about Jewish power and world domination. They conclude that while all three influence discrimination against Jews, belief in conspiracy theories is the strongest determinant. The most rigorous and geographically wide-ranging analysis of discrimination against Jews to date, this book reshapes our understanding of the persecution of religious minorities in general and the Jewish people in particular.

To what extent do minority grievances contribute to intrastate conflict? Against the backdrop of rising discrimination against religious minorities worldwide, Religious Minorities at Risk offers new insights into classic debates on the influences of discrimination, deprivation, and inequality (DDI) on minority grievances and conflict behavior. It does so by utilizing original data on 771 religious minorities in 183 countries between 2000 and 2014. The book demonstrates that DDI is a significant cause of minority grievances which, in turn, deeply influence their conflict behaviors. It also shows the different effects of governmental and societal religious discrimination versus political and economic and marginalization. Religious, political, and economic grievances each escalate conflict intensity by aggrieved minorities in different ways. Ultimately, the book shows that collective grievances remain a powerful explanation for minorities' conflict behaviors; although influenced by DDI, they are not reducible to them. Second, while religious factors, including religious discrimination and grievances, uniquely contribute to minority conflict behavior, the overall patterns observed for religious minorities closely mirror those typically theorized for other minority groups. Finally, minority conflict intensity reflects the difficulties states encounter in accommodating them. Whereas religious grievances are relatively easily accommodated and therefore rarely escalate beyond rioting, political grievances influence a wider range, from non-violent protest to violence against civilians. Economic grievances, which demand costly systemic reforms, more often escalate to rebellion. An essential work on the causes of intercommunal and intrastate conflict, this will assist policymakers dealing with these issues.

"It's our thesis that privacy will be an integral part of the next wave in the technology revolution and that innovators who are emphasizing privacy as an integral part of the product life cycle are on the right track." --The authors of The Privacy Engineer's ManifestoThe Privacy Engineer's Manifesto: Getting from Policy to Code to QA to Value is the first book of its kind, offering industry-proven solutions that go beyond mere theory and adding lucid perspectives on the challenges and opportunities raised with the emerging "personal" information economy. The authors, a uniquely skilled team of longtime industry experts, detail how you can build privacy into products, processes, applications, and systems. The book offers insight on translating the guiding light of OECD Privacy Guidelines, the Fair Information Practice Principles (FIPPs), Generally Accepted Privacy Principles (GAPP) and Privacy by Design (PbD) into concrete concepts that organizations, software/hardware engineers, and system administrators/owners can understand and apply throughout the product or process life cycle-regardless of development methodology-from inception to retirement, including data deletion and destruction. In addition to providing practical methods to applying privacy engineering methodologies, the authors detail how to prepare and organize an enterprise or organization to support and manage products, process, systems, and applications that require personal information. The authors also address how to think about and assign value to the personal information assets being protected. Finally, the team of experts offers thoughts about the information revolution that has only just begun, and how we can live in a world of sensors and trillions of data points without losing our ethics or value(s)...and even have a little fun. The Privacy Engineer's Manifesto is designed to serve multiple stakeholders: Anyone who is involved in designing, developing, deploying and reviewing products, processes, applications, and systems that process personal information, including software/hardware engineers, technical program and product managers, support and sales engineers, system integrators, IT professionals, lawyers, and information privacy and security professionals. This book is a must-read for all practitioners in the personal information economy. Privacy will be an integral part of the next wave in the technology revolution; innovators who emphasize privacy as an integral part of the product life cycle are on the right track. Foreword by Dr. Eric Bonabeau, PhD, Chairman, Icosystem, Inc. & Dean of Computational Sciences, Minerva Schools at KGI.