Global Bank Regulation: Principles and Policies covers the global regulation of financial institutions. It integrates theories, history, and policy debates, thereby providing a strategic approach to understanding global policy principles and banking. The book features definitions of the policy principles of capital regularization, the main justifications for prudent regulation of banks, the characteristics of tools used regulate firms that operate across all time zones, and a discussion regarding the 2007-2009 financial crises and the generation of international standards of financial institution regulation. The first four chapters of the book offer justification for the strict regulation of banks and discuss the importance of financial safety. The next chapters describe in greater detail the main policy networks and standard setting bodies responsible for policy development. They also provide information about bank licensing requirements, leading jurisdictions, and bank ownership and affiliations. The last three chapters of the book present a thorough examination of bank capital regulation, which is one of the most important areas in international banking. The text aims to provide information to all economics students, as well as non-experts and experts interested in the history, policy development, and theory of international banking regulation. - Defines the over-arching policy principles of capital regulation - Explores main justifications for the prudent regulation of banks - Discusses the 2007-2009 financial crisis and the next generation of international standards of financial institution regulation - Examines tools for ensuring the adequate supervision of a firm that operates across all time zones
This book is about people who once had everything - power, money, and prestige - and who lost it all in one day. With the help of international law, the book explains what corporate management should know about white-collar crimes in different areas of business. It offers the biggest business crime cases from all over the world. At the heart of the business crimes, there is corruption, money laundering, fraud, and extortion. None of the law areas is immune to the crimes: they occur in company law, competition law, tax law, labor law, environmental law and intellectual property law - just to mention a few. The book helps to outline business-friendly models for crime prevention. Most of all, it increases knowledge of white-collar business crimes and helps people to avoid making their own ones. The book is aimed at business leaders and at everyone who runs their own business. It also provides information for business developers as well as business and law students.
Entrepreneurship emphasizes practice and learning through action, helping students adopt an entrepreneurial mindset so they can create opportunities and take action in uncertain environments. The updated Third Edition aids in the development of the entrepreneurial skillset and toolset that can be applied to startups as well as organizations of all kinds.
Since the mid-1960s, Alvin and Heidi Toffler have predicted the far-reaching impact of emerging technological, economic, and social developments on our businesses, governments, families, and daily lives. In REVOLUTIONARY WEALTH, they once again demonstrate their unparalleled ability to illuminate current trends and anticipate what they mean for the future. REVOLUTIONARY WEALTH focuses on how wealth will be created—and who will get it—in the twenty-first century. As the knowledge-based economy (a reality the Tofflers predicted forty years ago) continues to replace the industrial-based economy, they argue, money is no longer the sole determinate of wealth. The Tofflers explain that we are becoming a nation of “prosumers,” consuming what we ourselves produce, and argue that we have all taken on “third jobs”—work we unwittingly do without pay for some of the biggest corporations in the country. Using fascinating examples from our daily lives, they illustrate how our everyday activities—from parenting and volunteering to blogging, painting our houses, and improving our diets—contribute to a non-monetary economy that is largely hidden from economists. Writing with the same insight and clarity that made their earlier books bestsellers, the Tofflers present fresh, groundbreaking new ways of thinking about wealth.
Full of fun and funny illustrations, The Know-Nonsense Guide to Money will explain the basics of saving, spending, and other lessons in ways that kids will understand. Fuzzy on finances? Bamboozled by banks, budgets, and bitcoins? Perplexed by the difference between debit and credit cards? The Know-Nonsense Guide to Money has your back on all things financial, fiscal, and flummoxing! This easy-to-read guide is packed with simple definitions, memorable examples, and funny illustrations to make the way we use currency throughout the world something anyone can understand. With each turn of the page you'll learn a new basic concept about money, including earning, saving, spending, and borrowing, and will also discover the tools needed to develop good money-management habits. With a lighthearted approach, The Know-Nonsense Guide to Money turns serious and important topics into concepts that are approachable and fun for everyone. You'll love learning so much, you might even laugh out loud!
Updated multiple times every year, America’s pregnancy bible answers all your questions. When can I take an at-home a pregnancy test? How can I eat for two if I’m too queasy to eat for one? Can I keep up my spinning classes? Is fish safe to eat? And what’s this I hear about soft cheese? Can I work until I deliver? What are my rights on the job? I’m blotchy and broken out—where’s the glow? Should we do a gender reveal? What about a 4-D ultrasound? Will I know labor when I feel it? Your pregnancy explained and your pregnant body demystified, head (what to do about those headaches) to feet (why they’re so swollen), back (how to stop it from aching) to front (why you can’t tell a baby by mom’s bump). Filled with must-have information, practical advice, realistic insight, easy-to-use tips, and lots of reassurance, you’ll also find the very latest on prenatal screenings, which medications are safe, and the most current birthing options—from water birth to gentle c-sections. Your pregnancy lifestyle gets equal attention, too: eating (including food trends) to coffee drinking, working out (and work) to sex, travel to beauty, skin care, and more. Have pregnancy symptoms? You will—and you’ll find solutions for them all. Expecting multiples? There’s a chapter for you. Expecting to become a dad? This book has you covered, too.
The Kinderchat Guide to Elementary School Projects takes the structure, philosophy, and child-centered, playful approach to learning most commonly seen in early childhood and shares how to scale and apply for the wider elementary school community. From one of the founders of the popular online Kinderchat group, this book shows how inviting play into academic learning forms an essential "back and forth" between application and skill development. Learn how to foster discovery, playfulness, imagination, and spontaneity into the elementary school academic curriculum, while keeping skills in the foreground. Offering lesson plans, scaffolded implementation techniques and methodologies, these unique and approachable projects are ready to use by in-service elementary educators, seasoned professionals, and school leaders.
Crossing Borders is the best textbook available for International Studies courses. It tackles complex global issues from a multidisciplinary perspective, doing so in a way that is both accessible and engaging for students. Most importantly, students come away with an understanding of how those issues impact their day-to-day lives, as well as how they can participate in the increasingly interconnected world around them as global citizens." —Michael Makara, University of Central Missouri Crossing Borders provides a framework for students built upon an understanding of the many borders that define the international system. Renowned authors Harry I. Chernotsky and Heidi H. Hobbs address many of the different fields that constitute international studies—geography, politics, economics, sociology, and anthropology—and give instructors a starting point from which they can pursue their own disciplinary interests. By integrating research and current examples, the Third Edition encourages students to identify their role in today’s international arena and what it means to be a global citizen. Not only do students develop a better understanding of the world, they also receive advice on how to increase their own global engagement through study abroad, internships, and career options. This Third Edition is thoroughly updated to reflect recent events and trends, including cyberterrorism, the rise of ISIS, and other key issues. It offers new color maps and clear learning objectives for every chapter, giving students a solid understanding of the complexity of the issues facing the world today. Give your students the SAGE edge! SAGE edge offers a robust online environment featuring an impressive array of free tools and resources for review, study, and further exploration, keeping both instructors and students on the cutting edge of teaching and learning. Learn more at edge.sagepub.com/chernotsky3e.
FULLY REVISED AND UPDATED 6TH EDITION OF THE WORLD'S BESTSELLING PREGNANCY GUIDE. 'My best friend during my pregnancy' Mariella Frostrup With 18.5 million copies in print, What to Expect When You’re Expecting is read by 93 per cent of women who read a pregnancy book and was named one of the ‘Most Influential Books of the Last 25 Years’ by USA Today. This cover-to-cover new edition is filled with must-have information, advice, insight, and tips for a new generation of parents. With Heidi Murkoff's trademark warmth, empathy, and humour, What to Expect When You're Expecting answers every conceivable question expectant parents could have, including dozens of new ones based on the ever-changing pregnancy and birthing practices, and choices they face. Advice for partners is fully integrated throughout the book. All medical coverage is completely updated for the UK, including the latest on prenatal screening and the safety of medications during pregnancy, as well as a brand-new section on postpartum birth control. Current lifestyle trends are incorporated, too: juice bars, raw diets, e-cigarettes, push presents, baby bump posting, the lowdown on omega-3 fatty acids, grass-fed and organic, health food fads, and GMOs. Plus expanded coverage of IVF pregnancy, multiple pregnancies, breastfeeding while pregnant, water and home births, and caesarean trends (including VBACs and ‘gentle caesareans’). The best pregnancy guide just got even better.
The true story of an ordinary middle-class married couple buried in over $94,000 in credit card debt who face debt collection, learn to defend themselves in court without hiring a lawyer, and force a major bank's collection attorney to dismiss its case against them. They avoid bankruptcy and they prevent collection. Every pleading (of both Plaintiff and Defendant) filed in this case is reproduced in its entirety - only the case number and names have been changed to protect the couple's privacy. What these people learned about the banking system would change their lives forever. NEW, UPDATED EDITION!!! Includes additional information about dealing with unscrupulous debt collectors -- their deceptive tactics, annoying phone calls, and various enticements designed to lure you into making yourself vulnerable to lawsuits; ALSO how the Statute of Limitations in your State can protect you from lawsuits and judgments.
A great resource for beginner students and professionals alike Introduction to Energy, Renewable Energy and Electrical Engineering: Essentials for Engineering Science (STEM) Professionals and Students brings together the fundamentals of Carnot’s laws of thermodynamics, Coulomb’s law, electric circuit theory, and semiconductor technology. The book is the perfect introduction to energy-related fields for undergraduates and non-electrical engineering students and professionals with knowledge of Calculus III. Its unique combination of foundational concepts and advanced applications delivered with focused examples serves to leave the reader with a practical and comprehensive overview of the subject. The book includes: A combination of analytical and software solutions in order to relate aspects of electric circuits at an accessible level A thorough description of compensation of flux weakening (CFW) applied to inverter-fed, variable-speed drives not seen anywhere else in the literature Numerous application examples of solutions using PSPICE, Mathematica, and finite difference/finite element solutions such as detailed magnetic flux distributions Manufacturing of electric energy in power systems with integrated renewable energy sources where three-phase inverter supply energy to interconnected, smart power systems Connecting the energy-related technology and application discussions with urgent issues of energy conservation and renewable energy—such as photovoltaics and ground-water heat pump resulting in a zero-emissions dwelling—Introduction to Energy, Renewable Energy, and Electrical Engineering crafts a truly modern and relevant approach to its subject matter.
Savant Singh (1694–1764), the Rajput prince of Kishangarh-Rupnagar, is famous for commissioning beautiful works of miniature painting and composing devotional (bhakti) poetry to Krishna under the nom de plume Nagaridas. After his throne was usurped by his younger brother, while Savant Singh was on the road seeking military alliances to regain his kingdom, he composed an autobiographical pilgrimage account, “The Pilgrim’s Bliss” (Tirthananda); a hagiographic anthology, “Garland of Anecdotes about Songs” (Pad-Prasang-mala); and a reworking of the story of Rama, “Garland of Rama’s Story” (Ram-Carit-Mala). Through an examination of Savant Singh’s life and works, Heidi Pauwels explores the circulation of ideas and culture in the sixteenth through eighteenth centuries in north India, revealing how Singh mobilized soldiers but also used myths, songs, and stories about saints in order to cope with his personal and political crisis. Mobilizing Krishna’s World allows us a peek behind the dreamlike paintings and refined poetry to glimpse a world of intrigue involving political and religious reform movements.
“What can I do, personally, about the climate crisis? . . . Ask yourself, what are you passionate about? Using this passion may motivate you to help shape the future of your community.” —The New York Times Climate Forward newsletter This must-have book shows us WHY we need to take action now to combat climate change and then, critically, HOW, through easy-to-understand language and fascinating infographics that offer each of us varied and doable solutions to the many challenges facing our planet. As more focus is put on climate science, there is a need for each of us to learn how we can change our habits in our home, communities, and government to save our planet. Enter The Climate Action Handbook. A visually stunning guide, it does what no other climate change book manages to do: it's approachable, digestible, and offers the average person ideas, options, and a roadmap for action. It also offers hope—often overlooked in climate change conversations. Climate actions can create near-instantaneous improvements in air quality and can offer ways to address societal inequities, green our communities, save money, and build local economies. From food and fashion choices, rethinking travel, greening up our homes and gardens, to civic engagement and championing community climate planning, Dr. Heidi Roop shares 100 wide-ranging ways that readers from all walks of life can help move the needle in the right direction. Actions include: • Cutting down on food waste • Reducing your driving speed • Voting in every election • Using the cold-water cycle on your washing machine • Supporting healthy soils in your gardens and community green spaces • Engaging in local climate action planning • Preparing an emergency kit for your home • Deleting unused emails and online accounts • Swapping out milk for nondairy alternatives like oat milk • Opting for slower shipping whenever possible • Regularly maintaining and clean your heating and cooling systems • Engaging in climate conversations at work and at home And many more! Return to this invaluable resource again and again to discover a roadmap for action and much-needed hope. What will your climate journey look like?
Reviewers are singing the praises of the life affirming and updated best selling book, The NEW Heart at Work. Rich with illuminating stories from every sector and lifestyle, this priceless treasure trove of anecdotes gives us all hope in creating workplaces where people thrive when they are appreciated. The formula for a productive workforce is simple but long forgotten encouragement, empowerment and self-esteem, and one which increases the bottom line better than any other method of management. From CEOs, executives and managers to secretaries, taxi cab drivers and bus boys self-esteem translates in every language and organization. It is time to transform our everyday lives and become more caring and observant of our fellow human beings. The NEW Heart at Work demonstrates that one person can cause miracles to occur generating a ripple effect. You will be fascinated reading insights from well-known personalities like Nelson Mandela, Mother Teresa, Oprah, Cal Ripken, Jr. and Carol Realini and inspired by those less known but equally as powerful.
Updated regularly, America’s baby bible answers all your questions. How can I get my baby to tell night from day? Is my breastfed baby getting enough to eat? When should I start solids? And what should I start with? When will my baby sleep through the night? Will my colicky baby ever stop crying? What are the best toys for my baby? Is it okay to let my baby play with my smartphone? Should I buy organic for my baby? With nearly 12 million copies in print, What to Expect: The First Year is the world’s best-selling, best-loved guide to the instructions that babies don’t come with, but should. Keeping the trademark month-by-month format that allows parents to take the potentially overwhelming first year one step at a time, First Year is easy to read, fast to flip through and packed with practical tips, realistic advice, and relatable, accessible information. Including: Baby care fundamentals like crib and sleep safety, feeding, vitamin supplements; support for breastfeeding (getting started and keeping it going). Hot-button topics and trends are tackled: attachment parenting, sleep training, early potty learning (elimination communication), baby-led weaning, and green parenting (from cloth diapers to non-toxic furniture). There are tips on preparing homemade baby food, the latest recommendations on starting solids, research on the impact of screen time (TVs, tablets, apps, computers)—and so much more.
The secret life of the sensational woman behind the Morgan masterpieces, who lit up New York society. What would you give up to achieve your dream? When J. P. Morgan hired Belle da Costa Greene in 1905 to organize his rare book and manuscript collection, she had only her personality and a few years of experience to recommend her. Ten years later, she had shaped the famous Pierpont Morgan Library collection and was a proto-celebrity in New York and the art world, renowned for her self-made expertise, her acerbic wit, and her flirtatious relationships. Born to a family of free people of color, Greene changed her name and invented a Portuguese grandmother to enter white society. In her new world, she dined both at the tables of the highest society and with bohemian artists and activists. She also engaged in a decades-long affair with art critic Bernard Berenson. Greene is pure fascination—the buyer of illuminated manuscripts who attracted others to her like moths to a flame.
The Tenney Quilt is a tender and enlightening rendering of small-town life of the 1928 Midwestern woman. Haagenson pieces together this deeply personal account of the men and women of Tenney around an heirloom quilt with a history of its own. In 1928, Tenney's Town Hall sought funds for a cook stove in order to accommodate the social events and gathering of the town's residents. Several women initiated a project to raise the money: a signature quilt would be made, ten cents collected for each signature and piece of quilt added to the whole. What ensued was a gathering together of 530 people, their lives, their values, and a preservation of these documented in a hand-crafted chronicle of Tenney history. Haagenson uses the quilt to highlight the disparate lives of German, Scottish, and Norwegian immigrants working as school teachers, storekeepers, homemakers, nurses, factory workers, and seamstresses and how they come together to share their time and talents for their community. Chapter by chapter, thoughtful commentary on the limitations placed on these women due to time and place is interspersed between accounts of the women's honest and willful commitment to their families and each other. Schoolyard reminiscings, familiar rituals of church socials, and exciting historical "firsts" offer light to the hardships of daily life in home and vocation. The Tenney Quilt is a warm and engaging read, a snapshot of the smallest Minnesota town illustrating both where we have come from and how far we have come.
CultureShock! Borneo gives you a fun-filled and thorough crash course on how to live and work in this slice of the East. Packed with useful and insightful tips, this book will guide you on how to deal with cultural barriers, relate with the various racial groups and fit into the intricate society. Learn how weddings, births and funerals are observed by the different ethnic groups and how you can participate meaningfully in them. Understand the strong family bonds in most Borneo families and how they affect all areas of life, starting with extremely complicated name system and forms of address. This book also covers practical matters such as finding a suitable home and understanding the work
This book will help clinicians acquire and develop the processes and skills of values-based practice. The aim of most patient-clinician consultations is to improve health outcomes. Often they succeed, and patients are satisfied and empowered. However, some consultations are unsatisfactory and result in failure to improve health outcomes and dissatisfaction on the part of patients, carers or clinicians. When consultations fail to achieve the desired results, the cause is not usually a failure of evidence-based practice. Today's clinicians are trained in evidence-based medicine, educated, updated and appraised. The most likely reason why things go wrong is a failure of values-based practice – not ascertaining the relevant values perspectives and acting on them in a coherent and purposeful manner. If you rehearse and practise the elements of values-based practice detailed in this book, you will find your consultations more personally rewarding and your patients are likely to derive more benefit.
Concerned with the process in Hinduism of reinterpreting classical texts and imbuing them with new inspiration. An example par excellence is Hariram Vyas's Ras-pancadhyayi, the earliest known Braj Bhasa version of the five chapters of Bhagavatapurana on Krsna's Dance with the Gopis.
Drawing from interviews with Internet researchers from across the globe who work in diverse disciplines and in a wide array of online venues, this book examines ethical issues and questions that Internet researchers may encounter throughout the research process. Although the ethics of Internet research are complex, the aim of the book is to provide a rhetorical, case-based process to aid researchers in ethical decision making. In doing so, the book provides Internet researchers with useful resources and heuristics for engaging in ethical practices, interactions, and problem solving for their research.
Popular protest has become a regular feature of post-1994 South Africa. As a young democracy born out of resistance, we may understand the contemporary manifestations of protest as extensions of this broader history. However, it is notably in the context of formal democratic institutions that popular protest has become an increasingly normalised mode of influencing policy, demanding service delivery and forcing change. Protest is constitutive of South Africa's democratic politics, but also reflective of it. Protest in South Africa: Rejection, reassertion, reclamation explores the underpinnings of contemporary protest and both its short-term causes and structural drivers. Focusing on the surge of protest from the mid-2000s, this edited volume provides an overview of the complexity of protest action, the diversity of protest spaces and actors, and responses to protest from both citizens and state. The volume situates its analysis against the backdrop of the global wave of protest witnessed since the turn of the 21 century, while examining protest in South Africa's local and historical contexts. Contributors to the volume examine protests in relation to, among other factors, provision of infrastructure and services, contestations around socio-economic development, issues of citizenship, and demands for inclusive democratic governance. Chapters also examine the role of women in protest action, the policing of protest, and the intersection of protest action with spaces of formal politics. The volume also alerts us to the darker side of protest, and the destruction and division it may foment. It thus considers the prospects of South Africa's evolving, sometimes violent, protest terrain for social and state stability and democratic progress. In the diversity of spaces, sectors and communities of interests in which collective action has emerged, Protest in South Africa: Rejection, reassertion, reclamation shows how protest is underpinned by a rejection of the status quo, a reassertion of interests, and a reclaiming of the political and democratic space.
Written by bestselling authors Heidi M. Neck, Christopher P. Neck, and Emma L. Murray, Introduction to Business explores the fundamental building blocks of modern business while addressing social impact, ethics, and the power of innovation throughout. Cases on startups, small businesses, and corporations will ignite student interest as they learn from today’s most forward-looking organizations. Regardless of your students’ career aspirations, they will develop the mindset and skillset they need to succeed in their professional journeys.
God is in control—always. The world is hurting, and people are living in fear. We want to feel the comfort of God’s arms wrapped around us, but with so much uncertainty, how do we trust in Him? Heidi Baker interviewed a number of courageous believers, asking them what challenges they have overcome with God’s help. Inspired by their resilience, trust, tenacity, and joy, Heidi recounts the extraordinary true stories of men and women who fixed their eyes on Jesus and never gave up in God’s Got This. Heidi also vulnerably shares some of her deepest fears and most difficult experiences, revealing how she, too, learned to overcome life’s trials through faith in God and trust in His Word. Let this collection of powerful stories move you and remind you that no matter what storms you face, God’s got this.
The author grew up in Germany during the postwar era, when the United States evolved from a military occupation force to a peacetime cultural power, wielding vast influence in the world through its example as a country aspiring to great ideals, like freedom, equality, inclusion, acceptance of diversity, and generosity. This book tells the personal story of how the image of America shaped the author's youthful ideas about the world she wanted to live in, as she struggled to make sense of her complicated heritage as the daughter of a Jewish father and a Christian mother, and as an adolescent inheriting the aftermath of the Nazi reign of terror.
The first critical book on “appropriate technology,” Developing to Scale shows how global health came to be understood as a problem to be solved with the right technical interventions. In 1973, economist E. F. Schumacher published Small Is Beautiful, which introduced a mainstream audience to his theory of “appropriate technology”: the belief that international development projects in the Global South were most sustainable when they were small-scale, decentralized, and balanced between the traditional and the modern. His theory gained widespread appeal, as cuts to the foreign aid budget, the national interests of nations seeking greater independence, postcolonial activism, and the rise of the United States’ tech sector drove stakeholders across public and private institutions toward cheaper tools. In the ensuing decades, US foreign assistance shifted away from massive modernization projects, such as water treatment facilities, toward point-of-use technologies like village water pumps and oral rehydration salts. This transition toward the small scale had massive implications for the practice of global health. Developing to Scale tells the history of appropriate technology in international health and development, relating the people, organizations, and events that shaped this consequential idea. Heidi Morefield examines how certain technologies have been defined as more or less “appropriate” for the Global South based on assumptions about gender, race, culture, and environment. Her study shows appropriate technology to be malleable, as different constituencies interpreted its ideas according to their own needs. She reveals how policymakers wielded this tool to both constrain aid to a scale that did not threaten Western interests and to scale the practice of global health through the development and distribution of technical interventions.
The authors review human history from the first-known societies to the modern world community characterized by science, technology, and secularism. The text echoes both traditional Western Civilization and World History courses, and is organized by chronology, ideas, people, and major events, all highlighted to aid organized study and review. Features two SAT II practice tests with answers and explanations and hundreds of drill questions with answers.
A collection of the year’s best stories selected by celebrated two-time National Book Award winner Jesmyn Ward In her introduction to The Best American Short Stories 2021, guest editor Jesmyn Ward says that the best fiction offers the reader a “sense of repair.” The stories in this year’s collection accomplish just that, immersing the reader in powerfully imagined worlds and allowing them to bring some of that power into their own lives. From a stirring portrait of Rodney King’s final days to a surreal video game set in the Middle East, with real consequences, to an indigenous boy’s gripping escape from his captors, this collection renders profoundly empathetic depictions of the variety of human experience. These stories are poignant reminders of the possibilities of fiction: as you sink into world after world, become character after character, as Ward writes, you “forget yourself, and then, upon surfacing, know yourself and others anew." The Best American Short Stories 2021 includes GABRIEL BUMP • BRANDON HOBSON • DAVID MEANS• JANE PEK • TRACEY ROSE PEYTON • GEORGE SAUNDERS • BRYAN WASHINGTON • KEVIN WILSON • C PAM ZHANG and others
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