Students across a wide range of disciplines, ranging from construction management and construction engineering through to architecture, property and surveying should find this an invaluable textbook.
The book provides a theoretical and empirical evaluation ofdifferent housing finance systems, presenting a collection ofstudies that describe various aspects of selected mortgage marketsaround the world. The uniqueness of the chosen markets lies in thefact that they represent not only different regions around theglobe (Africa, the Middle East, Asia, and Eastern Europe), but alsounderstudied markets in different stages of economic and financialdevelopment. This book examines questions relating to housingfinance efficiency and contract heterogeneity. In addition, itanalyses the securitization experiences in these countries toprovide lessons on how mortgage markets are integrated with capitalmarkets and how particular institutional framework interacts withmortgage markets. Short reviews are provided for each of the selected mortgagemarkets. The review will include institutional aspects of themarkets such as: the size and structure of the market (includingflows and accumulation of funds); a description of the competitionand a presentation of the major competitors (including marketshare, major financial measures, etc.); profitability in themarket, trends, structural changes, the major mortgage instrumentsand their market share, special tax issues, the role of thegovernment in the market, defaults, prepayments, mortgageinsurance, and major regulatory issues. The analysis explores the major existing problems in the mortgagemarket of each country, the current steps adopted to solve theseproblems, possible propositions for dealing with the major issuesin the future, and the implied future developments anticipated inthe market.
This book focuses on leadership and strategy, corporate governance, operational excellence, and corporate social responsibility. In doing so, it offers both conceptual perspectives and case studies on these topics that are targeted at business executives who want to develop and mature towards being successful value creators in their leadership roles. Authored by the former CEO of National Australia Bank (NAB), Don Argus, and business school professor Danny Samson, the book provides insights on the strategic leadership factors that make a significant and positive difference when they are executed effectively and, in contrast, what happens when ineffective leadership/ strategy are deployed. It proposes and illustrates core leadership axioms, and also delves into sustainable development as an element of strategy. The authors do this by developing and illustrating core concepts that relate to the two major case study companies of NAB and BHP. Readers will be particularly interested in the core elements of leadership and strategy, and the grounded reality of how they operated in the case studies. The authors bring insiders’ and leaders’ perspectives to these topics, including tables that document shareholder value creation, and the logic behind strategic decisions, as well as key organisational leadership and strategic decision processes.
Between 1984 and 1994 Thailand had the most rapid economic expansion in the world. This 1998 book offers an explanation of this successful record of economic growth in Thailand, and in Southeast Asia more generally. The book explains why Thai leaders adopted a market-driven strategy from the late 1950s, and also shows how the overseas Chinese in Thailand built on their community's social capital to overcome the market failures common to all developing countries. Unger takes an interdisciplinary approach, building on the literatures of social capital and embedded autonomy. He considers the unique organization of Thai society, and the impact this has had on the country's institutions, and their political and economic outcomes. The book includes detailed analysis of the financial and textile sectors, as well as the development of heavy industries and transportation infrastructure.
Useful for prospective and current students, this practical and comprehensive guide maximizes the experience of studying abroad in Australia. Drawing from the author's personal experience as an international student, this handbook explores questions such as Why should I study overseas? Have I the resources to do so? Which university should I attend? What do I need to do in advance? Where will I live? Should I work or volunteer? What are my options after graduating? and How do I succeed in my Australian education? Highlighting issues and presenting a bevy of information, this reference will aid international students in making informed choices about their educational experiences.
DANNY SCHECHTER, "The News Dissector" has spent decades as a truth teller in the media, with leading media companies and as an independent filmmaker with the award-winning independent company Globalvision. A graduate of Cornell and the London School of Economics, Schechter was a Nieman Fellow at Harvard and a multiple Emmy Award winner at ABC News, where he was among the first to cover the S&L crisis. In 2007, his film IN DEBT WE TRUST was the first to expose Wall Street's connection to subprime loans, predicting the economic crisis that this book investigates. Schechter is a blogger, editor of Mediachannel.org, and author of nine books. He has reported from 53 countries, and lives in Gotham. He owns no derivatives or tranches.
The World Bank is changing the way it does business in the energy sector. This Policy Paper is one of two that outlines the Bank's new policies for the sector. The review was prompted by concern about the effects of power generation on the environment and on populations that may be resettled to make way for projects. Another stimulus was the macroeceonomic reality of fewer investment resources in many countries. And many developing countries are becoming more receptive to reforming the way energy is produced and consumed. This paper credits the public monopoly approach of the last 30 years with facilitating expansion of power supplies, capturing technical economies of scale, and making effective use of scarce managerial and technical skills. Nonetheless, it recommends several new policies to improve the performance of the electric power sector in developing countries. These reforms will guide future Bank activities in the sector. Bank loans for electric power will go first to countries clearly committed to improving the performance of their power sectors. The Bank will also discourage subsidies on energy prices and will encourage private investment in utilities. And it will provide financing to help the least developed countries import power where local generation is not practical. The efficiency of production and use of electric power in developing countries is examined in a companion paper, Energy Efficiency and Conservation in the Developing World: The World Banks Role . The World Bank's Role in the Electric Power Sector is also available in Spanish: La funcion del Banco Mundial en el sector de la electricidad. Politicas para efectuar una reforma institucional, regulatoria, y financieria eficaz. (ISBN 0-8213-2451-9) / Stock No. 12451 / $7.95 / Price code 007 / Spanis
New Economic Thinking and Real Estate offers a modern and distinctive approach to forecasting and understanding property markets. With this book, students will develop an intuitive ability to interpret economic indicators and acquire the confidence to assess property markets. The book is divided into three parts: Part A: Resource choices - deals with microeconomics; Part B: Financial Systems - seeks to make sense of the macroeconomic scene and Part C: Measuring and Forecasting.
The fourth edition of Accounting: Understanding and Practice by Danny Leiwy and Robert Perks has been fully revised throughout and updated in accordance with the International Financial Reporting Standards. Ample practice illustrations and examples help present the subject in relation to a business world to which readers can easily relate.
This text focuses on the introduction of economic principles to provide an understanding of the commercial and residential property sectors and the markets for development, construction and occupation of property. Economics and Property supports students following property economics courses leading to a career in the property profession. Experience suggests that economics can initially be perceived as challenging; this book makes the subject clear and comprehensible. Extracts and examples from the Estates Gazette and its electronic archive EGi are used to provide examples and raise questions for discussion. Glossaries, key learning points and a clear layout make this book the best introduction to economics for the property profession.
Schechter goes right for the jugular in this rich and informative analysis of the financial crisis and its roots. Not errors, accident, market uncertainties, and so on, but crime; major and serious crime. A harsh judgment, but it's not easy to dismiss the case that he constructs. - Noam Chomsky Veteran journalist Danny Schechter investigates a complex web of fraud and crime that he shows played a major - if largely unreported - role in bringing the economy down. His four-year investigation focuses on three interconnected cesspools of corruption; what the FBI calls an epidemic of mortgage fraud, predatory and deceptive securitization by Wall Street, and insurance scams.
Housing was at the heart of the financial collapse, and our economy is now precariously reliant on the housing market. In this groundbreaking new book, Danny Dorling argues that housing is the defining issue of our times. Tracing how we got to our current crisis and how housing has come to reflect class and wealth in Britain, All That Is Solid radically shows that the solution to our problems - rising homelessness, a generation priced out of home ownership - is not, as is widely assumed, building more homes. Inequality, he argues, is what we really need to overcome.
Plant diversity sustains all animal life, and the genetic diversity within plants underpins global food security. This text provides a practical and theoretical introduction to the strategies and actions to adopt for conserving plant genetic variation, as well as explaining how humans can exploit this diversity for sustainable development. Notably readable, it initially offers current knowledge on the characterization and evaluation of plant genetic resources. The authors then discuss strategies from in situ and ex situ conservation to crop breeding, exploring how these can be used to improve food security in the face of increasing agrobiodiversity loss, human population growth and climate change. Each chapter draws on examples from the literature or the authors' research and includes further reading references. Containing other useful features such as a glossary, it is invaluable for professionals and undergraduate and graduate students in plant sciences, ecology, conservation, genetics and natural resource management.
The rise of smartphones, social media, cryptocurrencies and digital assets has changed our lives profoundly over the last decade. In tandem, the relationship between governments, citizens and businesses has evolved, creating new sets of challenges and imbalances, but also opportunities. This book focuses on the evolving digitisation of the financial industry and the impact this has on users. Particular attention is given to the emergence of new technologies such as blockchain, smart contracts and AI. The increasingly interconnected, data-driven digital economy, which includes many aspects of an individual’s and organisation’s life, has become a challenge for regulators, too. Matters are complex but also increasingly centralised, with a growing trend of distrust. Should we push for more decentralisation? To shed light on this question we begin by providing an overview of key concepts and develop a high-level qualitative framework and approach to what we call ‘Redecentralisation'. Delving into those technology areas that form part of the tectonic plate shift of our financial system we explore the pillars of money and payments that are at a turning point with the replacement of key infrastructural components necessary for the future of what we call the Digital Financial Ecosystem. Digital identity and data privacy also form part of this broader puzzle. We then look to the future to consider some of the latest trends and ‘what if’ scenarios. Where do we see Redecentralisation at play in the Digital Financial Ecosystem? What is the role of technology in this, e.g. Web3, the Metaverse and Decentralised Finance? Can Redecentralisation support an alignment of values across people, governments and businesses? What is the role of technology in this? And finally, do we need a new digital social contract to underpin and protect our digital lives?
In the context of great economic turmoil and uncertainty, the emergent conflict between continued globalisation and growing economic nationalism means that a geographical economic perspective has never been so important. An Introduction to Economic Geography guides students through the key debates of this vibrant area, exploring the range of ideas and approaches that invigorate the wider discipline. This third edition includes new chapters on finance, cities and the digital economy, consumption and the environment. Underpinned by the themes of globalisation, uneven development and place, the text conveys the diversity of contemporary economic geography and explores the social and spatial effects of global economic restructuring. It combines a critical geographical perspective on the changing economic landscape with an appreciation of contemporary themes such as neoliberalism, financialisation, innovation and the growth of new technologies. An Introduction to Economic Geography is an essential textbook for undergraduate students taking courses in Economic Geography, Globalisation Studies and more broadly in Human Geography. It will also be of much interest to those in Planning, Business and Management Studies and Economics.
The practice and study of public relations has grown significantly within Europe over the past decade, yet as a discipline, it remains a relatively unexplored field. This volume of papers brings together contributions from some of the leading international public relations academics and practitioners who provide valuable insights into the theories underpinning current public relations thinking and practice, and illustrate the diversity of perspectives that characterize this evolving area. Key issues discussed include:- * the contribution of public relations to strategic management in organizations * the feminization of public relations * the function of rhetorical study in our understanding of modern corporate dialogue * international perspectives of public relations. A valuable aid to both students and practitioners, this fascinating book challenges some of the traditional assumptions about public relations practice.
Today’s rapidly flowing global economy, hit by recession following the financial crisis of 2008/9, means the geographical economic perspective has never been more important. An Introduction to Economic Geography comprehensively guides you through the core issues and debates of this vibrant and exciting area, whilst also exploring the range of approaches and paradigms currently invigorating the wider discipline. Rigorous and accessible, the authors demystify and enliven a crucial subject for geographical study. Underpinned by the themes of globalisation, uneven development and place, the text explores the diversity and vitality of contemporary economic geography. It balances coverage of 'traditional' areas such as regional development and labour markets with insight into new and evolving topics like neoliberalism, consumption, creativity and alternative economic practices. An Introduction to Economic Geography is an essential textbook for undergraduate students taking courses in Economic Geography, Globalisation Studies and more broadly in Human Geography. It will also be of key interest to anyone in Planning, Business and Management Studies and Economics.
In this book I have attempted to provide information on a very controversial person in the Holy Bible the Antichrist. I have provided scripture with an explanation that lets the reader draw conclusions based on information not someones opinion. You will also see the effect of the Rapture on the United States and the World. All of this is presented as a stimulating reading subject that will be hard to put down.
The retail market in the UK is worth more than £400 billion annually and employs over 3 million workers, while in the US 29 million people create over USD $4 trillion of revenue through the industry. Despite the challenge to establish stores and big-box retailers, there's a rapid increase in the number of retail start-ups and consistent growth in the independent sector. From beard shops and barbers, through cafes and coffee shops, to 'retailment' concept stores and boutique consumer-focused experiences, the specialist retail sector is booming. The Retail Start-Up Book provides clear guidance and advice on how to develop a winning retail strategy that seamlessly merges online and offline tactics. Introducing the science of shopping and how to understand customer behaviours and needs, it explores the essential steps of developing a business plan, marketing and promoting a business and advising on buying and visual merchandising. Building on years of retail experience nationally and internationally, in large groups and with independent retailers, The Retail Start-Up Book meticulously provide invaluable practical insights to help new retailers hit the floor running, or more established organizations grow their business and nurture their profits.
Although economic inequality provokes widespread disquiet, its supposed necessity is rarely questioned. At best, a basic level of inequality is seen as a necessary evil. At worst, it is seen as insufficient to encourage aspiration, hard work and investment – a refrain sometimes used to advocate ever greater inequality. In this original new book, Danny Dorling critically analyses historical trends and contemporary assumptions in order to question the idea that inequality is an inevitability. What if, he asks, widespread economic inequality is actually just a passing phase, a feature of the capitalist transition from a settled rural way of life to our next highly urban steady-state? Is it really likely that we face a Blade Runner-style dystopian future divided between a tiny elite and an impoverished mass? Dorling shows how, amongst much else, a stabilizing population, changing gender relations and rising access to education make a more egalitarian alternative to this nightmare vision not only preferable, but realistic. This bold contribution to one of the most significant debates of our time will be essential reading for anyone interested in our economic, social and political destiny.
A large opportunity exists for Australian organisations to use new and powerful technologies (Artificial intelligence [AI] and Cloud technologies) to transform their businesses to keep pace with or ahead of the leading edge of competitiveness. This book showcases inspirational Australian case studies in order to inspire Australian (and non-Australian) organisations to undertake the challenge. This book synthesises the key learnings and contrasts those with the conventional wisdom on this topic. The book also defines what AI- and Cloud-based business transformations are and what they can do for businesses. Furthermore, it explains why it is imperative that businesses should address the business opportunities of these technological advancements, without going into the technical details any more than the ‘literacy’ that is necessary for business leaders. Finally, it also includes international best practice case studies beyond the usual suspects. This book provides guidance and motivation for business executives, managers and students interested in innovating and transforming their businesses through the use of the two critical new technologies.
The second edition of The Oklahoma State Constitution provides article-by-article commentary and analysis on the intent, politics, social and economic pressures, and the legal decisions that shaped and enhanced the Oklahoma constitution since it was adopted in 1907. A table of cases, index, and bibliography provides an unsurpassed reference volume for students, scholars, and practitioners of Oklahoma's constitution.
“With wit and clarity, Katch argues for social movements, political activism, and socialism as the alternatives we need to win the world we want” (Keeanga-Yamahtta Taylor, author of From #BlackLivesMatter to Black Liberation). The election of Donald Trump has sent the United States and the world into uncharted waters, with a bigoted, petty man-child at the head of the planet’s most powerful empire. Danny Katch indicts the hollowness of the US political system which led to Trump’s rise and puts forward a vision for a real alternative, a democracy that works for the people. “In the tradition of Abbie Hoffman and George Carlin, Sarah Silverman and Dave Chappelle, Katch’s generous, embracing humor is deployed to uncover the deepest truths of our predicament. Don’t miss it.” —Bill Ayers, author of Demand the Impossible!: A Radical Manifesto “This is a moment when politics and laughter are both necessities for survival. Without them we would be lost. Now we have a book that gives us both.” —Dave Zirin, author of Game Over: How Politics Has Turned the Sports World Upside Down “If you or your friends and family have been shocked and horrified since Election Day, Katch will calm you down, cheer you up, and get you ready to fight.” —Sarah Jaffe, podcast host and author of Necessary Trouble “It’s horrible, tragic, ridiculous, and full of suspense. But enough about the White House. This book will make you laugh out loud, learn something about our world, and get inspired to change it.” —Brian Jones, actor, educator, and activist
No Credit? Bad Credit? Average Credit? Just Want To Learn About Finance? Well, congratulations because you have found the right book. Not even the table of contents can show all the lessons contained within this book meant to help consumers fight all types of financial problems just as Danny Singh fights for his mother including avoiding a foreclosure, reclaiming a repossessed car, fixing credit, avoiding deceptive loans as well as checking accounts filled with fees, and getting denied credit applications approved. In response to the student loans crisis looming in America and as a community college student himself, Danny advocates going to a community or state college and doing the maximum number of classes is the best financial decision that can be made versus getting into $100,000 of debt. Without needing bogus and expensive credit repair agencies, Danny will emphasize the most effective debt repayment plans and methods to save money on everyday purchases allowing for consumers to be debt free in months instead of years. Besides student loan debt, Danny expresses credit unions are the solution for consumers to effectively pay off any type of debt such as credit cards, auto loans, and mortgages. Being free of debt will cause their insurance premiums to decrease and increase their chances of better employment. In addition, consumers will be able to enjoy lives free of bankruptcy. Saving for retirement and other financial goals will be a breeze. Despite the financial conditions of a consumer or the economy, perfect credit is never impossible and Danny proves this in Finance 101: The Whiz Kids Perfect Credit Guide! If the knowledge in this book does not boost your credit scores and bank account balances then feel free to return or sell it. The purchase of this book is the only investment that is risk free but makes the most earnings.
This book discusses social, institutional, legal, cultural and political topics relating to the West Bank to demystify the treatment of the highly contentious subject. It is based on the author's experience of what people want to know when they approach the West Bank Data Project for information.
In September 2002, house hunters Anthony and Linda O'Malley from North Wales arrived in Benidorm of Spain's Costa Blanca to bid for a house at auction that they had earmarked for their retirement. Within a week of their arrival, the couple vanished. Alerted by the withdrawal of large sums of cash from the couple's UK bank accounts the Welsh police launched their own missing persons inquiry. Daughter Nicola Welch, frantic with worry but with no idea of what really happened, made an appeal on Crimewatch for her parents to get in touch.Six months after the couple's disappearance, following emailed ransom demands from a mysterious figure codenamed Phoenix, Spanish police recovered their bodies from the cellar floor in a villa in Alcoy. The full horrifying story was pieced together in a painstaking investigation. The O'Malleys had been tricked into viewing the property, held captive for five days and forced to hand over the money they'd saved for their deposit. When they were no longer of use, they were disposed of in the cellar of the very house they'd hoped would be their dream home.Investigative journalist Danny Collins helped North Wales officers track down the killers in a tense and dangerous search - this is what he uncovered.
If we found seven typical 5-year-olds to represent today’s UK, who would they be? What would their stories reveal? Seven Children is about injustice and hope. Danny Dorling’s highly original book constructs seven ‘average’ children from millions of statistics—each child symbolising the very middle of a parental income bracket, from the poorest to the wealthiest. Dorling’s seven were born in 2018, when the UK faced its worst inequality since the Great Depression and became Europe’s most socially divided nation. They turned 5 in 2023, amid a devastating cost-of-living crisis. Their country has Europe’s fastest-rising child poverty rates, and even the best-off of the seven is disadvantaged. Yet aspirations endure. Immersive, surprising and thought-provoking, Seven Children gets to the heart of post-pandemic Britain’s most pressing issues. What do we miss when we focus only on the superrich and the most deprived? What kinds of lives are British children living between the extremes? Why are most British parents on below-average income? Who are today’s real middle class? And how can we reverse the trends leaving all children worse off than their parents?
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