No institution, government, or country is “too big to fail.” A behind-the-scenes account of what led to the 2008 crisis—and may soon lead to a bigger one. Written by two bank executives with firsthand experience of several financial crises, Nothing is Too Big to Fail holds a stiff warning about the future of finance and social justice—revealing how the US government’s fiscal and monetary policies are creating asset and debt bubbles that could burst at any time. The COVID-19 pandemic is just one of many risks that could derail our highly leveraged and fragile economic system. The authors also tell how government actions and an unregulated shadow banking system are leading to inequitable distribution of wealth, destroying the middle class, reducing trust in government, and accelerating racial injustice. No institution, government, or country is “too big to fail.” This book offers lessons learned from past crises and recommended actions for business and government leaders to take today to return our economic system and our democracy to a safer trajectory.
The Bank of Credit and Commerce International remains today, 30 years after its founding, a byword for corruption, influence peddling, bribery, crony capitalism, phony audits, money laundering, and worse. It managed to stave off crises with "too big to fail" arguments and friends in high places. Here, in full documentary splendor, we see the genesis of the term "bankster" and the stunning failure of the same roster of government agencies caught napping before the panic of 2008. This December 1992 document is the final draft of the Senate Foreign Relations Committee report. It was released by Congress but co-author Sen. Hank Brown, reportedly acting at the behest of Henry Kissinger, pressed for the deletion of a few passages, particularly re: Kissinger Associates. As a result, the final hardcopy version of the report, as published originally by the Government Printing Office, is less complete than the version you now hold in your hands. Long out of print and available only electronically, this report is here presented in a new edition designed for readability and easy reference." -- Page [4] of cover.
This work is written through an authentic systems perspective, by five coauthors with diverse expertise in a variety of areas. The contents include past and current roles in k-12 classroom teaching, special education, administration, college teaching, and state education administration. Concrete applications for use in the classrooms are presented, which utilize the systems approach and provides real life experiential strategies for implementing the concepts highlighted in the section. As readers are asked to translate theory into practice, the authors model this effort seamlessly and realistically. For example, the "Parent-Teacher Communication" chapter supplies an abundance of promising practices from the individual teacher level, to the school level, to the district-level involvement among the elements of the system. The "Technology" chapter discusses the best practices for teaching and learning through technology and highlights examples that are in use in schools today. In the "Cultural Diversity" chapter, educators are given case studies and exemplars on how other districts, schools, or individual teachers have integrated diversity in their settings. The text invites the reader to absorb the theoretical aspects and view these through real life applications. The reader easily becomes a participant in the process of creating applications in classrooms through the discussion questions for each chapter, and the vignettes interspersed throughout the book. Book jacket.
Police violence is not a new phenomenon. In the late 19th and early 20th centuries, police officers in America assaulted or killed many ordinary citizens, often during improper detainments or arrests where no threat existed or no crime had been committed. Based on hundreds of newspaper accounts from 1869 through 1920, this history provides a chronological listing of interactions between police and unarmed citizens in which the citizens--some of them minors--were assaulted or killed. Police who committed such acts often lied to protect themselves, assisted by fellow officers and encouraging the media to demonize the victims. The author provides information on the prosecution and punishment of officers where available.
Looking for help making smarter, more profitable high-end investment decisions? Why buy ten books that cover each of the major topics you need to understand, when High-Powered Investing All-In-One For Dummies gives you ten expert guide for the price of one? This hands-on resource arms you with an arsenal of advanced investing techniques for everything from stocks and futures to options and exchange-traded funds. You’ll find out how to trade on the FOREX market, evaluate annuities, choose the right commodities, and buy into hedge funds. And, you’ll get up to speed on using business fundamentals and technical analysis to help you make smarter decisions and maximize your returns. You’ll also find ways to be as aggressive as your personality and bank account allow, without taking foolish or excessive risks. Discover how to: Conduct preliminary research Evaluate businesses Invest for growth and income Minimize your investing risk Read financial statements Understand your tax obligations Trade foreign currencies, futures, and options Get a feel for markets and react quickly to fluctuations Spot and forecast pricing trends Take advantage of online trading innovations The key to expanding your investment opportunities successfully is information. Whether you’re just beginning to explore more advanced investing or have been dabbling in it for a while, High-Powered Investing All-In-One For Dummies gives you the information, strategies, and techniques you need to make your financial dreams come true.
Originally published in 1992, Capital Mobilization and Regional Financial Markets, argues that barriers to financial flows within regions may be as important in affecting capital flows as interregional barriers. The book conjectures that regional markets allow efficient mobilization of local funds and develops an analytical framework to motivate an investigation of region financial development in the Pacific Coast states between 1850 and 1920.
Chinese economic reform has been undertaken through a series of phased reforms. The goal of Chinese economic reform was to generate sufficient surplus value to finance the modernization of the mainland Chinese economy. This book provides an assessment of where investment stands today and it's likely future role in China. It reviews China's interaction with the rest of the world as the country advances towards superpower status. - Provides and accessible study of both inward and outward investment – not found in other books on China - Based on clear case studies while the author worked as an Embassy commercial officer from 2000 to 2003 in China, and then as a consultant for Western companies, and Chinese companies, seeking to implement inward and outward investment plans
The purchase of this ebook edition does not entitle you to receive access to the Connected eBook with Study Center on CasebookConnect. You will need to purchase courseware to get access to the full experience, including: lifetime access to the online ebook with highlight, annotation, and search capabilities; practice questions; an outline tool and other helpful resources. Contemporary Business Law offers a focused, direct, and practical treatment of business topics written with today’s student in mind. Experienced authors C. Kerry Fields and Kevin Fields offer a readable overview of business law grounded in the day-to-day application of the topics in the real world. With a blend of legal theory and practical managerial applications, the book expertly covers all the key topics in an engaging and readable format. An accessible writing style combined with thoughtful pedagogy make this text ideal for undergraduate students. Each chapter includes well-edited cases that highlight key legal concepts and integrate ethical considerations. Plentiful examples show students the practical applications of the law. Managerial Applications and thoughtful exercises encourage critical thinking. In addition, students will benefit from features such as chapter outlines, learning objectives, key terms in bold and defined in the text, concept summaries, and chapter summaries. Professors and student will benefit from: Coverage of all the substantive areas required for both a one- and two-semester business law curriculum. The book complies with AACSB accreditation standards. Ethics questions included throughout the text to develop critical thinking and decision-making skills. Practical approach of the book, written with the student in mind, keeping legal theory to a minimum and introducing concepts in the context of actual business practice. Excellent pedagogy and well-edited cases. Ample exercises that offer opportunities for students to apply what they have learned.
The focus of this product package is to provide students with a strong knowledge base, an understanding of contemporary practice issues in Australia and the capacity for sound clinical reasoning. You will use these professional attributes in order to provide safe and effective nursing care. This easily understood, straightforward Australian edition integrates the following concepts: epidemiology, pathophysiology, pharmacology, legal and ethical issues, therapeutic communication, interprofessional communication and cultural safety.
This lively and comprehensive activity book teaches young readers everything they need to know about the nation's highest court. Organized around keystones of the Constitution—including free speech, freedom of religion, civil rights, criminal justice, and property rights—the book juxtaposes historical cases with similar current cases. Presented with opinions from both sides of the court cases, readers can make up their own minds on where they stand on the important issues that have evolved in the Court over the past 200 years. Interviews with prominent politicians, high-court lawyers, and those involved with landmark decisions—including Ralph Nader, Rudolph Giuliani, Mario Cuomo, and Arlen Specter—show the personal impact and far-reaching consequences of the decisions. Fourteen engaging classroom-oriented activities involving violations of civil rights, exercises of free speech, and selecting a classroom Supreme Court bring the issues and cases to life. The first 15 amendments to the Constitution and a glossary of legal terms are also included.
Wetlands are vital and valuable resources, both as rich and unique wildlife habitats, and for the functions they fulfil - providing flood and sediment control and coastal protection, as carbon sinks and pollution buffers, for their role in storing and recycling nutrients, as well as for their recreational value. Too often, however, their true value has been overlooked or underestimated and they have been mismanaged or destroyed as a result. This volume, commissioned by the OECD presents four case studies of the management policies of wetland environments in the UK, USA, France and Spain. They show how both markets and direct intervention have resulted in failure, severely reducing the amount of wetland and jeopardizing the remainder ,and they set out measures that will mitigate damage in the future .Turner and Jones have produced an essential work in the growing area of environmental economics. Originally published in 1991
The third edition of this concise core textbook offers students a comprehensive introduction to the politics, economy, culture and society of modern China, while grounding all of these areas in the context of China's recent history in the 19th and 20th centuries. Fully up to date, this accessible text examines the key developments that are taking place in China and that are shaping its place in the world today, from relations with Trump's United States and post-Brexit Britain, to the use of the internet to crack down on dissent and the establishment of 'Xi Jinping thought' at the 19th Party Congress. Authored by a highly-regarded expert on the topic, this is the essential guide to a country that is no longer just emerging but one which has, in many respects, already emerged as one of the leading powers of the 21st century. The book is an ideal introductory text for undergraduate and postgraduate courses on China studies and contemporary China, regardless of whether students approach the topic from a political, historical, sociological, cultural or geographical viewpoint. It can also be used on modules focussing more specifically on Chinese politics, Chinese history or Chinese society. New to this Edition: - Fully revised and updated throughout, including discussions of Chinese-US relations in the era of Trump, the 2017 19th National Congress of the Communist Party of China, and descriptions of the newest high-ranking figures in Chinese politics - New boxed features highlighting important issues and organisations, including the status of women in China, the telecoms company Huawei, and the on-going conflict over the South and East China Sea - References to the most recent research in the field, along with new recommendations for further reading for each chapter
For readers of "Delivering Happiness" and "The New Gold Standard"--a revolutionary approach to understanding and mastering the customer experience from Forrester Research.
In a groundbreaking indictment, the nation's foremost expert on international crime describes global crime organizations from Asia to South America, Europe to Africa, and shows why they are the single greatest threat to our nation's security.
This paper measures the performance of different metrics in assessing banking system vulnerabilities. It finds that metrics based on equity market valuations of bank capital are better than regulatory capital ratios, and other metrics, in spotting banks that failed (bad apples). This paper proposes that these market-based ratios could be used as a surveillance tool to assess vulnerabilities in the banking sector. While the measures may provide a somewhat fuzzy signal, it is better to have a strategy for identifying bad apples, even if sometimes the apples turn out to be fine, than not being able to spot any bad apples before the barrel has been spoiled.
For the last five years, Britain has been under the hammer of ‘Austerity’. In its name, wages have been frozen, benefits have been slashed and public spending squeezed. The pain of a financial crisis caused by bankers and speculators has been borne by ordinary people all over the country – and by the poor and disabled most of all.
During the last 20 years of the 19th century, cigarette smoking was transformed from a lower-class habit to a favored form of tobacco use for men and practically the only form available to women. The trend continued to grow through the 1950s, when smoking was a significant part of America's social fabric for both men and women. This social history traces the evolution of women's smoking in the United States from 1880 to 1950. From 1880 to 1908, women were not allowed to smoke in public places, with strong opposition based on moral concerns. Most smoking was done by upper class women in the home, at private parties, or at socials. By 1908, women smokers went public in greater numbers and challenged the prejudices against smoking that applied to them alone. By 1919, most restaurants allowed women to smoke, though most other public places did not permit it. More and more women smokers went public in the period between 1919 and 1927, with college students leading the way. By 1928, advertisers began to target female smokers, and over the next two decades women smokers gradually gained equality with male smokers.
The use of endorsements and testimonials to sell anything imaginable is a modern development, though the technique is centuries old. Before World War I, endorsement ads were tied to patent medicine, and were left with a bad reputation when that industry was exposed as quackery. The reputation was well earned: claims of a product's curative powers sometimes ran opposite the endorser's obituary, and Lillian Russell once testified that a certain compound had made her "feel like a new man." Distrusted by the public, banished from mainstream publications, endorsements languished until around 1920, but returned with a vengeance with the growth of consumerism and modern media. Despite its questionable effectiveness, endorsement advertising is now ubiquitous, costing advertisers (and consequently consumers) hundreds of millions of dollars annually. This exploration of modern endorsement advertising--paid or unsolicited testimonials endorsing a product--follows its evolution from a marginalized, mistrusted technique to a multibillion-dollar industry. Chapters recount endorsement advertising's changing form and fortunes, from Lux Soap's co-opting of early Hollywood to today's lucrative industry dependent largely on athletes. The social history of endorsement advertising is examined in terms of changing ethical and governmental views, shifting business trends, and its relationship to the growth of modern media, while the money involved and the question of effectiveness are scrutinized. The illustrated text includes five appendices that focus on companies, celebrities, athletes and celebrity endorsements.
The polygraph, most commonly known as the lie detector, was created and refined by academics in university settings with support from a few early police agencies. This work is a history of the machine, from the experimental work of the late 1800s that led directly to its creation, until the present. It covers early lie detectors and their inventors from the 1860s to the early 1920s, their use by the police and other law enforcement agencies in the 1930s and their use in Cold War America in the 1940s and 1950s. It then discusses the government's use of the polygraph in the 1960s, the PSE, a new take on the old polygraph, and private businesses' reliance on the polygraph in the 1970s and the government's increasing reluctance to use it in the 1980s. A chapter on new ideas and uses for the polygraph in the 1990s and after concludes the book.
Understanding the main concepts of IFRS Standards The fourth edition of Applying IFRS Standards explains the core principles of International Financial Reporting (IFRS) Standards. It also addresses the skills needed to apply the standards in business environments. The book begins with an overview of the International Accounting Standards Board (IASB) and how it establishes accounting standards. The general book topics are then covered in detail and include: income taxes, financial instruments, fair value measurement, property, inventories, employee benefits and more. Discussion questions, exercises and references are provided throughout the book.
Pike's Portage/Death Wins in the Arctic/Arctic Naturalist/Arctic Obsession/Arctic Twilight/Arctic Front/Canoeing North Into the Unknown/Arctic Revolution/In the Shadow of the Pole/Voices From the Odeyak
Pike's Portage/Death Wins in the Arctic/Arctic Naturalist/Arctic Obsession/Arctic Twilight/Arctic Front/Canoeing North Into the Unknown/Arctic Revolution/In the Shadow of the Pole/Voices From the Odeyak
This special bundle is your essential guide to all things concerning Canada’s polar regions, which make up the majority of Canada’s territory but are places most of us will never visit. The Arctic has played a key role in Canada’s history and in the history of the indigenous peoples of this land, and the area will only become more strategically and economically important in the future. This bundle provides an in-depth crash course, including titles on Arctic exploration (Arctic Obsession), Native issues (Arctic Twilight), sovereignty (In the Shadow of the Pole), adventure and survival (Death Wins in the Arctic), and military issues (Arctic Front). Let this collection be your guide to the far reaches of this country. Arctic Front Arctic Naturalist Arctic Obsession Arctic Revolution Arctic Twilight Death Wins in the Arctic In the Shadow of the Pole Pike’s Portage Voices From the Odeyak
Discusses school life during the Great Depression, including schools, lessons, books, and teachers. Addresses social and economic life during the 1930s. Includes activities.
Financial Planning has been thoroughly revised to reflect the legislative and regulatory changes that affect the Australian financial planning industry. This new edition considers a number of reforms introduced as a consequence of the global financial crisis and the Henry Review on taxation reform. The text continues to present a comprehensive introduction to financial planning decisions, services and products, risk management and the importance of long term strategic financial planning and life-long management. The text is the new edition of what was previously titled Personal Finance which has been a market leading textbook in the area of financial planning for 10 years. As more and more Australians look to financial planners for information and guidance on investment opportunities, and short-term and long-term financial planning goals, this new edition reflects the financial planning industry need to ensure that its members are accredited and comply with industry recognised professional and ethical skills.
Visual Methods of Inquiry: Images as Research presents qualitative researchers in the social sciences with the benefits, applications, and forms of visual research methods. It includes a wide variety of images to illustrate the many uses of visual methods for social research. Contemporary visual culture theory and practice offers wide-ranging opportunities for methodological advancement in the social sciences. This book covers the basics of image use in visual research methods and explores how these methods can be used effectively in social science research by surveying the conditions of visual forms, materials, and concepts, and the ways these represent and influence social conditions, phenomena, beliefs, and actions. It examines the roles and processes of interpretation in visual research and discusses ethical considerations that arise when using visual research methods. Students of social science and the visual arts will find this book useful in expanding and improving their methods of inquiry. Artists and researchers already familiar with visual methods will find that this book clarifies the ways the visual works in various research contexts and provides helpful language to describe and explain those methods.
Vernon D Plueckhahn was for many years Australia’s most prominent forensic pathologist. His expertise was central in correcting some of Australia’s worst miscarriages of justice, most notably the wrongful 1982 conviction of Lindy Chamberlain for murder. This book traces his life, of first serving on a hospital ship for four years in World War II, then becoming a doctor, and then from a small base as the first pathologist at Geelong Hospital becoming known nationally and internationally. He led the way in forensic pathology – in research, for example, to validate autopsy measurement of blood alcohol and then linking alcohol misuse and drowning. He was instrumental in transforming the small regional hospital of Geelong into a leading academic centre. He steered the Royal College of Pathologists of Australasia through turbulent times in the 1970s. His achievements were quite remarkable, with the greatest being the formation of the Victorian Institute of Forensic Medicine, which is now a world leading institution.
Authoritative yet concise, Essentials of Real Estate Law, Second Edition, offers students a carefully crafted overview of real estate law. Within a helpful and logical framework, the authors walk the student through every step of the process of purchasing and managing both residential and commercial real estate. With a practical approach that features problems, chapter assignments, realistic examples, and sample forms, this text offers a real-world approach to the practice of real estate law. New to the Second Edition: Updated and expanded forms and charts included throughout the book New cases focus on current issues Updated examples and exercises Streamlined presentation makes the material more accessible and easier to teach New Applying the Law boxed feature focuses on practical, real-world skills Professors and students will benefit from: Well-written textual explanations Complete coverage of Real Estate Law Real property interests Purchasing, financing, and conveying real estate Owning and operating real estate Succinctly edited cases that give students the opportunity to read case law Stand-alone chapters that can be adapted to fit any syllabus Focus on Ethics text boxes that highlight the responsibilities of real estate professionals A wealth of teaching tools in every chapter Review Questions Learning Objectives Chapter Outlines Introductions Definitions of new terms in the margins Practical exercises and applying the law boxes
Though the history of tipping can be traced to the Middle Ages, the practice did not become widespread until the late 19th century. Initially, Americans reviled the custom, branding it un-American and undemocratic. The opposition gradually faded and tipping became an American institution. From its beginnings in Europe to its development as a quintessentially American trait, this work provides a social history of tipping customs and how the United States became a nation of tippers.
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