In Bail Bonds Babylon Laura Lanfield is known as one of the first Bail Bonds women in the Miami Area. She lives through guns in her face, chasing drug warlords, schlepping through the hot thick jungles of Columbia to liberate her compadres, rescueing strippers, and being locked in the back of a kidnappers Lincoln Continental. She has done it all, and all while trying to hold down the fort as a single mother with two kids, and keeping an active personal life.
Euro Bonds: Markets, Infrastructure and Trends presents the most recent developments in the Euro bond market. It discusses the problems of the Euro countries, the proposed solutions advocated by European as well as international institutions and investors. Particular emphasis is given to systemic risk and contagion as well as to specific innovative instruments such as structured financial products which protect various classes of investors.This self-contained title provides an organized and comprehensive overview of the current financial situation in Europe and accords the reader the opportunity to understand fully what is happening in the Euro financial market today, as well as some of the possible exit strategies from the crisis. It may be used as an advanced textbook by postgraduate students as well as ambitious undergraduates in finance and economics. It is also useful for non-experts in finance who wish to have an overview of problems in the Euro zone.
Experience from the global financial crisis suggests that countries’ borrowing costs are not solely determined by macro and fiscal fundamentals. Factors such as ownership structures of government securities, among others, also play a significant role. This paper investigates the effect of “real money investors”—domestic nonbanks and national and foreign central banks—on bond yields for a sample of 45 advanced and emerging market economies. The results show that, while bond yields rise with the debt to GDP ratio, this increase is partly offset if this debt falls in the hands of real money investors. Nonetheless, for some countries there is the risk that such ownership structure could change over the long run, which would impose upward pressure on borrowing costs, especially where fiscal positions are weak.
Begins with an analysis of a typical U.S. dollar denominated Euroconvertible. Goes on to discuss international convertible securities and such related topics as currency fluctuation and foreign currency exposure. The characteristics of domestic markets in U.S., Britain, Japan, France, Australia, and Canada and their unique features and evaluation methods are examined. Finally, it looks at convertible hedging, breakeven analysis, risk profile, and rate of return.
While many studies have looked into the determinants of yields on externally issued sovereign bonds of emerging economies, analysis of domestically issued bonds has hitherto been limited, despite their growing relevance. This paper finds that the extent to which fiscal variables affect domestic bond yields in emerging economies depends on the level of global risk aversion. During tranquil times in global markets, fiscal variables do not seem to be a significant determinant of domestic bond yields in emerging economies. However, when market participants are on edge, they pay greater attention to country-specific fiscal fundamentals, revealing greater alertness about default risk.
This paper proposes a market solution to enhance the role of the financial sector in the green transition. Developing a secondary market for “brown exposures” can allow banks to dispose more quickly of stranded assets thereby increasing their capacity to finance green investments. Furthermore, newly created instruments – the brown assets backed securities (B-ABS) - can expand the diversification opportunities for specialized green investors and, thus, attract additional resources for new green investments. The experience of the secondary market for non-performing loans suggests that targeted policy and regulatory measures can simultaneously support the development of the secondary market for brown assets and green finance.
Turning smart girls golden; the women's guide to personal finance Rebranding finance with a feminine spin, It's Your Money, Honey is designed to encourage women of all ages to take a greater interest—and play a greater role—in the financial issues that affect their everyday lives and financial futures. Conversational, irreverent, and intelligent, this guide to wealth creation, wealth management, and financial protection as it relates to women and their families provides exactly the kind of advice that smart women today need to know in order to take charge of their finances. Organized by decade and the events—from childrearing to retirement—that need to be planned for, presently enjoyed, or recovered from, It's Your Money, Honey is packed with expert information in the no-nonsense style of a girlfriend who knows her stuff. Finances aren't that hard, you just have to deal with them yourself. Finally, a book that understand that every woman needs to make time for a personal finance education Highly accessible, the book is designed to be read whenever you find yourself with a spare second, providing important information in bite sized chunks Helps women prepare for major life events with the help of real life stories, helpful checklists, and easy-to-apply Golden Rules Born out of the notion that too many smart women let their financial situations be ignored, swept under the rug, or dictated by others, It's Your Money, Honey is everything you need to know about money but were too busy to ask. www.goldengirlfinance.ca
While fiscal conditions remain healthier than in advanced economies, emerging economies continue to be exposed to negative spillovers if global conditions were to become less favorable. This paper finds that domestic bond yields in emerging economies are heavily influenced by two international factors: global risk appetite and global liquidity. Using a novel approach, the analysis goes on to show that the vulnerability of emerging economies to these factors is not uniform but rather depends on country specific characteristics, namely fiscal fundamentals, financial sector openness and the external current account balance.
Hedge funds are collective investment vehicles, often organized as private partnerships and resident offshore for tax and regulatory purposes. Their legal status places few restrictions on their portfolios and transactions, leaving their managers free to use short sales, derivative securities, and leverage to raise returns and cushion risk. This paper considers the role of hedge funds in financial market dynamics, with particular reference to the Asian crisis.
Praise for Money & Happiness "Laura Rowley makes us all understand the money-happinessconnection in our own lives so that we spend our time and ourefforts wisely. She gets to the heart of why money can bringfeelings of stress, joy, and freedom, and Rowley offers insightthat every reader can use to make smarter decisions that will leadto living a rich life in every possible definition of theterm." --Lucy Danziger, Editor in Chief, Self magazine "This is a wry and companionable guide to getting your finances inbetter sync with your values, and who wouldn't be enriched bythat?" --Melinda Henneberger, Contributing Editor, Newsweek "Money and Happiness takes cold, hard, financial information andwarms it up through the voice of your best friend. You'll find outhow to achieve your life dreams, and avoid money nightmares. Thecost of this book may be the best investment you'll evermake." --Kevin McKinley, CFP, author of Make Your Kid a Millionaire andhost of public radio's On Your Money "Let Laura Rowley guide you to a rational and rewarding life byhelping you re-order your approach to your financial well-being.This book covers all the dimensions you need to know about how toplan properly for your reality. She teaches that you need not beloaded to be happy. And she shows you how to set, then achieve,your goals. For your sanity, Rowley is a welcome antidote to thewave of materialism washing over our culture." --Allan Dodds Frank, Bloomberg Television
How can governments control spending pressure from influential groups, often representing powerful regional interests? This book is concerned with institutional solutions that allow modern nation states to balance historically grown cultural, political and economic diversity. Laura von Daniels combines different literatures in economics and political science, and draws on interviews with former government leaders, and country experts from international organizations. She applies this research to topics such as fiscal institutions and budget balances, presenting a critical review of different institutional approaches to resolving fiscal imbalances and public indebtedness. Students and scholars of various disciplines, including politics, public and social policy, economics and business will find the discussions and detailed description of institutional reforms in emerging market nations to be of use to their research. It will also be of interest to practitioners working on fiscal decentralization and budget control.
Tired of worrying about your financial situation but aren't sure what to do or where to start? Stop stressing! No matter how much you earn (or how much you owe) you can take control of your money—and it won't be nearly as hard as you think. Millions of people already benefit from the expert advice Laura D. Adams dispenses in her weekly Money Girl podcast and know firsthand that little changes can lead to big rewards. Laura doesn't tell you what you can and can not buy with your own hard-earned money; instead, she gives you guidance, tips, and tricks you need to make the most of it by finding out how to: - Assess your current financial situation and set achievable, realistic goals - Get out of debt faster—and stay out for good - Manage your 401(k) or Roth IRA like a pro - Take advantage of every available tax deduction to owe less and save more - Choose smarter investments so you can watch your money grow - Use the most up-to-date technology to make managing your money much easier Whether you're learning the quickest way to improve your credit score or the seven essential tips for preventing identity theft, you'll be surprised—and relieved—at just how doable it all is. Chock-full of quick and dirty tips that explain what you need to know without bogging you down with what you don't, Money Girl's Smart Moves to Grow Rich will ensure you have the kind of life you want and the future you've always dreamed of. Money Girl's Smart Moves to Grow Rich won the prestigious Excellence in Financial Literary Education (EIFLE) Award for 2011.
Microbiology: Principles and Explorations is an introductory product that has successfully educated thousands of students on the beginning principles of Microbiology. Using a student-friendly approach, this product carefully guides students through all of the basics and prepares them for more advanced studies.
This book explores the intricate interconnections between states and banking and financial systems, examining how the dominance of banks influences global politics. It delves into the multifaceted impact of government regulations on business operations and the economy, emphasizing the crucial role of central banks in managing money supply and inflation. Positioned at the nexus of society, banks and financial institutions exert significant influence on various societal concerns and play vital roles in the global economy. The book proposes that banks can drive social impact by focusing on areas such as their employees, customers, and the ripple effect created by their investments. It raises essential questions about whether the financial system's influence extends beyond shaping choices to impacting policy decisions, societal behaviors, and even opposition to state determinations. The work advocates for scholarly inquiries into the modern functions of states and financial institutions, addressing the pivotal actors shaping decisions within societies. While referencing preceding research, the book establishes a novel typology of research, recognizing the need for further refinement and elaboration within this relatively scarce domain of study, aiming to contribute to a deeper understanding of the evolving dynamics between states and financial systems.
Money Made Easy 2015-16 is here to help you master your personal finances - cutting through the jargon and explaining clever but simple ways to make and save money. Covering every stage of life, it gives you the tools you need to ensure you always get a good deal. The good news is that whatever age you are, however much you earn, whatever your history, you can always improve your financial position by getting organised. You don’t need a new job or a pay rise; you can improve your finances without making any major lifestyle changes – and you can do it today. Dive into Money Made Easy and find out: - how to grow your money over the long term - how to plan and save for retirement - how to start a business - how to buy and sell property - how to cut debt and build savings - how to get organised for life’s big events: childbirth, marriage and more. The book also includes a product guide covering the building blocks of personal finance and a handy jargon buster. Personal finance is not an enigma and it’s not impossible to understand; it’s just a subject many people avoid. Don’t be one of them. Start smartening your finances today – thanks to this book, it’s never been easier.
Written primarily for 16-19 year old students, this primer aims to extend students' knowledge and inspire them to take their school-level learning further. It explores topics that are familiar from the curriculum and also introduces new ideas, giving students a first taste of the study ofbiology beyond school-level and demonstrating how concepts frequently encountered at school are relevant to and applied in current research. This is the ideal text to support students who are considering making the transition from studying biology at school to university.This is a concise, stimulating introduction to the fundamental biomolecules in cells and organisms, and the exciting ways biochemistry could be used to solve global problems, both now and in the future.
While many studies have looked into the determinants of yields on externally issued sovereign bonds of emerging economies, analysis of domestically issued bonds has hitherto been limited, despite their growing relevance. This paper finds that the extent to which fiscal variables affect domestic bond yields in emerging economies depends on the level of global risk aversion. During tranquil times in global markets, fiscal variables do not seem to be a significant determinant of domestic bond yields in emerging economies. However, when market participants are on edge, they pay greater attention to country-specific fiscal fundamentals, revealing greater alertness about default risk.
Experience from the global financial crisis suggests that countries’ borrowing costs are not solely determined by macro and fiscal fundamentals. Factors such as ownership structures of government securities, among others, also play a significant role. This paper investigates the effect of “real money investors”—domestic nonbanks and national and foreign central banks—on bond yields for a sample of 45 advanced and emerging market economies. The results show that, while bond yields rise with the debt to GDP ratio, this increase is partly offset if this debt falls in the hands of real money investors. Nonetheless, for some countries there is the risk that such ownership structure could change over the long run, which would impose upward pressure on borrowing costs, especially where fiscal positions are weak.
Euro Bonds: Markets, Infrastructure and Trends presents the most recent developments in the Euro bond market. It discusses the problems of the Euro countries, the proposed solutions advocated by European as well as international institutions and investors. Particular emphasis is given to systemic risk and contagion as well as to specific innovative instruments such as structured financial products which protect various classes of investors.This self-contained title provides an organized and comprehensive overview of the current financial situation in Europe and accords the reader the opportunity to understand fully what is happening in the Euro financial market today, as well as some of the possible exit strategies from the crisis. It may be used as an advanced textbook by postgraduate students as well as ambitious undergraduates in finance and economics. It is also useful for non-experts in finance who wish to have an overview of problems in the Euro zone.
The Society of Friends (Quakers) founded America's first "penitentiary" in the 1790s. For more than forty years, the American Friends Service Committee has worked with prisoners, parolees, and victims of crime, seeking just alternatives to incarceration. In Beyond Prisons, the AFSC offers a powerful moral critique of the American criminal justice system and describes a new paradigm for dealing with criminals based on restorative justice and reconciliation. The authors include a specific twelve-point plan for immediate changes. Book jacket.
Risk consideration is central to more accurate post-crisis valuation Corporate Valuation presents the most up-to-date tools and techniques for more accurate valuation in a highly volatile, globalized, and risky business environment. This insightful guide takes a multidisciplinary approach, considering both accounting and financial principles, with a practical focus that uses case studies and numerical examples to illustrate major concepts. Readers are walked through a map of the valuation approaches proven most effective post-crisis, with explicit guidance toward implementation and enhancement using advanced tools, while exploring new models, techniques, and perspectives on the new meaning of value. Risk centrality and scenario analysis are major themes among the techniques covered, and the companion website provides relevant spreadsheets, models, and instructor materials. Business is now done in a faster, more diverse, more interconnected environment, making valuation an increasingly more complex endeavor. New types of risks and competition are shaping operations and finance, redefining the importance of managing uncertainty as the key to success. This book brings that perspective to bear in valuation, providing new insight, new models, and practical techniques for the modern finance industry. Gain a new understanding of the idea of "value," from both accounting and financial perspectives Learn new valuation models and techniques, including scenario-based valuation, the Monte Carlo analysis, and other advanced tools Understand valuation multiples as adjusted for risk and cycle, and the decomposition of deal multiples Examine the approach to valuation for rights issues and hybrid securities, and more Traditional valuation models are inaccurate in that they hinge on the idea of ensured success and only minor adjustments to forecasts. These rules no longer apply, and accurate valuation demands a shift in the paradigm. Corporate Valuation describes that shift, and how it translates to more accurate methods.
A single-source reference on the biology of algae, Algae: Anatomy, Biochemistry, and Biotechnology, Second Edition examines the most important taxa and structures for freshwater, marine, and terrestrial forms of algae. Its comprehensive coverage goes from algae's historical role through its taxonomy and ecology to its natural product possibilities.
The Bogleheads are back-with retirement planning advice for those who need it! Whatever your current financial situation, you must continue to strive for a viable retirement plan by finding the most effective ways to save, the best accounts to save in, and the right amount to save, as well as understanding how to insure against setbacks and handle the uncertainties of a shaky economy. Fortunately, the Bogleheads, a group of like-minded individual investors who follow the general investment and business beliefs of John C. Bogle, are here to help. Filled with valuable advice on a wide range of retirement planning issues, including some pearls of wisdom from Bogle himself, The Bogleheads' Guide to Retirement Planning has everything you need to succeed at this endeavor. Explains the different types of savings accounts and retirement plans Offers insights on managing and funding your retirement accounts Details efficient withdrawal strategies that could help you maintain a comfortable retirement lifestyle Addresses essential estate planning and gifting issues With The Bogleheads' Guide to Retirement Planning, you'll discover exactly what it takes to secure your financial future, today.
Biochemistry for Health Professionals is a concise introductory text integrating biochemistry with physiology and cell biology and is aimed specifically at introductory health science students. It assumes no prior knowledge and covers some molecular biology and chemistry basics. The text is accompanied by a wealth of resources for both students and instructors via the evolve platform. Written specifically for Health science students with a focus on human biochemistry Integrated biochemistry with physiological correlations Highly illustrated with clinical examples to aid understanding Online teaching and learning resources via Evolve: http://evolve.elsevier.com/AU/Batmanian/biochemistry/
Don’t stress over anatomy and physiology—mastering basic terms and concepts is a breeze with Anatomy and Physiology Made Incredibly Easy, 6th Edition. This clever, colorful, clearly written guide makes fundamental anatomy and physiology structures and functions approachable while delivering fun, friendly guidance to help you ensure success throughout your nursing career
Why do some luxury companies remain resilient through times of change, while others do not? The reason is that these companies have unique skills to diversify their revenue generation by being ambidextrous. Luxury companies today cannot depend on their reputation or their creativity alone to remain resilient, rather they require the ability to be ambidextrous – to explore new trajectories for future growth and exploiting their iconic values. In past decades, the industry has shifted from product to customer centric and forced companies to adopt new strategies and approaches to succeed. This includes the adoption of digital platforms such as ecommerce, social media and mobile enabled tools to continually elevate customer experience. In addition, new business models have emerged to address growing pains, particularly in inventory issues, over manufacturing and sustainability. Brands today are forced to adopt evolution through innovation that is anchored by new values without compromising their DNA. Based on in-depth research and interviews with CEOs from leading luxury companies, Lojacono and Pan show how companies can hedge their risks and remain resilient in times of change.
This text introduces readers to military families, their resilience, and the challenges of military life. Personal stories from active duty, National Guard, reservists, veterans, and their families, from all branches and ranks of the military, and those who work with military personnel, bring their experiences to life. A review of the latest research, theories, policies, and programs better prepares readers for working with military families. Objectives, key terms, tables, figures, summaries, and exercises, including web based exercises, serve as a chapter review. The book concludes with a glossary of key terms. Engaging vignettes are featured throughout: · Voices from the Frontline offer personal accounts of issues faced by actual program leaders, practitioners, researchers, policy makers, service members, and their families. · Spotlight on Research highlights the latest studies on dealing with combat related issues. · Best Practices review the optimal strategies used in the field. · Tips from the Frontline offer suggestions from experienced personnel. The book opens with an introduction to military culture and family life. Joining the military and why people do so are explored in chapter 2. Next, life in the military including relocation, employment, education, and deployment are examined. Daily lives of children in military families are explored in chapter 4. How stress and resilience theories are used in working with military families are then reviewed. Chapter 6 focuses on milestones experienced by service members and programs that support them through these transitions. Everyday issues caused by the trauma of war are reviewed in Chapters 7 and 8. Programs, policies, and organizations that serve military families in dealing with deployment, education, and health and child care are explored in chapters 9 and 10 followed by initiatives supporting reintegration and reunification issues. Next, how to work with families and those who have experienced traumatic events is considered. The book concludes with a review of career opportunities and stories from working professionals. Intended as a text for advanced undergraduate or graduate courses on military families or as a supplement for courses on the family, marriage and family, stress and coping, or family systems taught in family studies, human development, clinical or counseling psychology, sociology, social work, and nursing, this book also appeals to helping professionals who work with military families.
Did you drink a glass of matter today? Do you carry your matter to school with you? What kind of matter do you like on your pizza? You probably don't think twice about the items you use on a regular basis, but all the stuff in the universe - from a tiny speck of dust on the floor to the stars far, far away in our galaxy - is made of matter. Well-known science writers Alvin and Virginia Silverstein and Laura Silverstein Nunn explain what is inside matter, how it forms different states, how it is defined with the elements of the modern periodic table, and how chemical reactions take place. The authors also reveal current research on matter, showing how scientists are finding ways to use substances - even garbage - to create brand new resources and substitutes for items with limited supplies.
Cheaters, gamblers, drugs, and violence. Sound like the latest action/adventure film? It is most likely playing in a stadium, ice rink, track field, basketball court, or ballpark near you. We're talking about the larger-than-life scandals that often surround and sometimes engulf the world of sports. Covering everything from the little leagues to college and professional sports, this indespensable book offers students an intriguing, readable guide to the most notorious scandals in American sports history. Each chapter focuses on a specific category of scandal, including race-related, gender-related, drug-related, violence-related, recruiting and academic-related, and coaching scandals. Insightful, in-depth entries offer and overview of the historical and cultural context, what occurred and who was involved, as well as the response to the scandal. Entries within chapters clearly outline the diversity of viewpoints surrounding the scandal as well as the associated ethical, moral, and legal issues. Highlighting why sport scandals matter to athletes, to coaches, to teams, to organizations, to the media, and to the public, this volume is an ideal resource for both ready reference and for reading cover-to-cover.
In Shakespeare's England, credit was synonymous with reputation, and reputation developed in the interplay of language, conduct, and social interpretation. As a consequence, artful language and social hermeneutics became practical, profitable skills. Since most people both used credit and extended it, the dual strategies of implication and inference—of producing and reading evidence—were everywhere. Like poetry or drama, credit was constructed: fashioned out of the interplay of artifice and interpretation. The rhetorical dimension of economic relations produced social fictions on a range of scales: from transitory performances facilitating local transactions to the long-term project of maintaining creditworthiness to the generalized social indeterminacy that arose from the interplay of performance and interpretation. Fictions of Credit in the Age of Shakespeare examines how Shakespeare and his contemporaries represented credit-driven artifice and interpretation on the early modern stage. It also analyses a range of practical texts—including commercial arithmetics, letter-writing manuals, legal formularies, and tables of interest—which offered strategies for generating credit and managing debt. Looking at plays and practical texts together, Fictions of Credit argues that both types of writing constitute “equipment for living”: practical texts by offering concrete strategies for navigating England's culture of credit, and plays by exploring the limits of credit's dangers and possibilities. In their representations of a world re-written by debt relations, dramatic texts in particular articulate a phenomenology of economic life, telling us what it feels like to live in credit culture: to live, that is, inside a fiction.
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