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Showing 3721 - 3740 of 5693 items
By Adidas Wilson. 2020
A sociedade depende fortemente de crédito para a maioria das decisões financeiras. Hoje, um bom crédito não é importante apenas…
para obter um empréstimo ou cartão de crédito. Muitas empresas precisam verificar seu crédito antes de decidir se estenderão ou não seus produtos e serviços a você. Os credores hipotecários precisam ter certeza de que você pagará sua hipoteca com responsabilidade antes que eles possam financiar você. Sem um bom crédito, o credor hipotecário conclui que conceder um empréstimo é arriscado para eles. Se eles ainda aprovarem, independentemente do seu crédito insuficiente, cobrarão uma taxa de juros muito alta. O crédito incorreto fará com que você pague um valor mais alto ou pior, a aplicação será recusada. Só porque você não está interessado em comprar uma casa no momento não significa que seu crédito não importa. Os proprietários, na maioria dos casos, consultam seu crédito antes de alugar uma casa ou apartamento. Seu contrato de arrendamento é considerado um empréstimo. Você precisa de um empréstimo para comprar um carro, a menos que tenha o valor total em mãos. Sua pontuação de crédito afeta o valor do empréstimo e a taxa de juros e se você receberá ou não o empréstimo em primeiro lugar. Com crédito excelente, você se qualificará para um montante mais alto de empréstimo e a taxa de juros será menor. Uma pontuação de crédito ruim se traduz em opções limitadas. Poucos credores estarão prontos para financiar você e os poucos que desejarem poderão cobrar uma taxa de juros muito alta.By Adidas Wilson. 2020
La sociedad depende en gran medida del crédito para la mayoría de las decisiones financieras. Hoy en día, un buen…
crédito no solo es importante para obtener un préstamo o una tarjeta de crédito. Muchas compañías tienen que verificar su crédito antes de decidir si extender o no sus productos y servicios. Los prestamistas hipotecarios deben asegurarse de pagar su hipoteca de manera responsable antes de poder financiarla. Sin un buen crédito, el prestamista hipotecario concluye que otorgar un préstamo es arriesgado para ellos.By Pete Wargent. 2013
Four Green Houses, and a Red Hotel provides new and experienced investors with a specific state by state guide to…
the best property investments for future wealth. Successful investment often mirrors a game of Monopoly – winners keep their expenses low and continue to acquire prime investments over time. Financial expert and author Pete Wargent, provides simple and effective strategies for acquiring wealth through property and a holistic financial plan, which includes share investment. The economic instability since the financial crisis and the volatility of investment markets have made investment a daunting prospect for many Australians. With interest rates cut to record lows, consumer confidence is growing and investors are coming back to the market in droves; albeit with a thirst for information on new property strategies and markets. Four Green Houses, and a Red Hotel is an up-to-date look at each of the capital cities in Australia and the best investments in property and shares in each state.By Pete Wargent. 2012
Pete Wargent used shares, index funds and investment property to become a millionaire at the age of 33 and quit…
fulltime work. His new book is a detailed plan for achieving financial freedom at any age by taking control of your finances and implementing a holistic financial strategy. The global financial crisis has seen us living through times of great volatility and uncertainty. Many people have been forced to endure periods of unemployment, housing has become almost unaffordable and it seems that the concept of a job for life is a thing of the past. It is more important than ever that we create a sustainable lifestyle and have a financial plan that is not totally reliant on a job and a salary. Get a Financial Grip looks at the psychology and mindset of success as well as looking at the asset classes that can be used to attain the leverage and returns to achieve financial goals. The author presents a comprehensive, but easy to understand plan for building and balancing a portfolio for generating wealth through compound growth. It shows how your money can work for you and give you the best odds of breaking the link between work and income. This is not just another text on financial and investment theory, it is a practical, specific and life-changing plan to propel your finances to a level you may never have believed possible. It&’s a simple plan for achieving financial freedom; offering you the chance to live the life you choose.By Pete Wargent. 2012
An inspirational and motivating book that shows how three &‘&’golden rules&’&’ can be used to accelerate results and set exciting…
and inspiring goals – not only when investing in property or shares, but also in business and all areas of life. Much more than just another investment book, Take a Financial Leap looks at the psychology of success and how by simply mastering three easy rules, the results readers can achieve are almost limitless. Pete Wargent, a successful financial commentator, investor and author, has written an easy to read and understand guide, using lots of practical case studies and personal stories to show readers how to:Set big, exciting and inspiring goalsUse compound growth and &‘&’snow-balling&” to generate wealthUnderstand the psychology of success and how to achieve emotional masteryLearn how to become a long-term, successful share market investorCreate substantial and lasting wealth through real estateBuild a successful business or career in the field of their passionEscape the rat race and live the life they chose, rather than one dictated to them by a pay cheque. This book is a detailed plan for accelerating success and achieving financial freedom and success at any age across all aspects of life. It is a practical and motivating book that uses 3 simple rules to provide a road-map for taking finance and life goals to the next level.By Victor T. King, Michael Hitchcock, Michael J. G. Parnwell. 1993
South-East Asia has developed rapidly as a tourist destination, but what are the effects of this growth upon the peoples…
of the region? How far is it possible to control the impact of tourism whilst also supporting the industry's role in the region's development? This book, first published in 1993, attempts to answer these questions by providing a critical analysis of the nature of tourism as it has developed in the area. It questions commonly held assumptions about tourism both from a western perspective and from the point of view of policy makers in the region. It explores central issues such as the impact of tourism on the environment, culture and the economy, placing it within an historical and political context in order to assess the implications of current developments. The contributors use case studies from a variety of countries on such aspects as the sex industry, dream holidays and rural handicrafts, assessing tourist perceptions, both domestic and international, and policy decisions. By taking a long-term perspective it should provoke thought on the ways to develop sustainable tourism for the future.By Erdener Kaynak. 1991
Social, economic, political, business, and cultural environmental factors affect the international marketing operation and performance of international firms. This highly…
insightful volume focuses on four of the most significant forces with which companies must deal on an international level--macro international marketing issues, sociopolitical intBy Rhoda Blumberg. 2001
Based on a true story. In 1841 rescued by an American whaler, after being stranded on a deserted island with…
friends, 14-year-old Manjiro becomes the first Japanese person to visit the United States.Since its first publication, Michael J. Mauboussin's popular guide to wise investing has been translated into eight languages and has…
been named best business book by BusinessWeek and best economics book by Strategy+Business. Now updated to reflect current research and expanded to include new chapters on investment philosophy, psychology, and strategy and science as they pertain to money management, this volume is more than ever the best chance to know more than the average investor.Offering invaluable tools to better understand the concepts of choice and risk, More Than You Know is a unique blend of practical advice and sound theory, sampling from a wide variety of sources and disciplines. Mauboussin builds on the ideas of visionaries, including Warren Buffett and E. O. Wilson, but also finds wisdom in a broad and deep range of fields, such as casino gambling, horse racing, psychology, and evolutionary biology. He analyzes the strategies of poker experts David Sklansky and Puggy Pearson and pinpoints parallels between mate selection in guppies and stock market booms. For this edition, Mauboussin includes fresh thoughts on human cognition, management assessment, game theory, the role of intuition, and the mechanisms driving the market's mood swings, and explains what these topics tell us about smart investing.More Than You Know is written with the professional investor in mind but extends far beyond the world of economics and finance. Mauboussin groups his essays into four parts-Investment Philosophy, Psychology of Investing, Innovation and Competitive Strategy, and Science and Complexity Theory-and he includes substantial references for further reading. A true eye-opener, More Than You Know shows how a multidisciplinary approach that pays close attention to process and the psychology of decision making offers the best chance for long-term financial results.Inversiones en tiempos de crisis es una guía práctica para tomar buenas decisiones de inversión, aun cuando las cosas en…
nuestro entorno no parecen ser del todo buenas. Lo hemos visto antes, que una grave recesión económica golpeé nuestro país o que nosotros mismos estemos enfrentando una situación personal complicada: las crisis forman parte de nuestras vidas. Los que encuentran la forma de sacar lo mejor de lo peor, son quienes logran cosas extraordinarias, inclusive cuando se habla de dinero. Inversiones en tiempos de crisis busca ser una guía práctica para tomar buenas decisiones de inversión, aun cuando las cosas en nuestro entorno no parecen ser del todo buenas. En la primera parte del libro veremos cómo analizar el ambiente económico y tu estado financiero personal para decidir si es el mejor momento o no para invertir. Después, revisaremos cada uno de los activos de inversión, las oportunidades que ofrecen y las mejores estrategias para usar en momentos de crisis. Todos los momentos guardan oportunidades interesantes, incluso los malos, sin embargo, sólo pueden ser aprovechadas por aquellos que saben identificarlas y están financieramente preparados para hacerlo. Ese es mi objetivo, quiero que aprendas a ver la luz cuando todos los demás ven oscuridad. Así es como nacen las leyendas.By Carl Walker, Serdar M. Degirmencioglu. 2015
An understanding of personal debt requires an understanding of the complex social systems that produce poverty. By drawing upon international…
perspectives, this book investigates why more and more people are in debt, why it is causing so much mental distress and exactly who is benefiting from what has become the world's number one growth industry.By Robert R. Johnson, Matthew Krantz. 2020
Get started in investment banking Ace your investment bank course Navigate bull and bear markets Excel in the world of…
investment banking One of the most lucrative fields in business, investment banking frequently perplexes even banking professionals working within its complex laws. Investment Banking For Dummies remedies common misconceptions with a straightforward assessment of banking fundamentals. This book tracks to typical university courses on the subject and helps students and professionals understand the fundamentals of investment banking. With new and updated content, this edition addresses the major financial changes that have occurred in recent years. Inside... Key investment banking operations Strategies for risk management Advice on cryptocurrencies Updated IPO coverage Discounted cash flow analysis Mergers and acquisitions Structuring a leveraged buyout Resources for investment bankersBy Bernard Mees, Cathy Brigden. 2017
Superannuation was once a privilege granted only to company head office staff and career public servants. Now in Australia nearly…
all workers have access to employer-contributed superannuation, and it is a fundamental pillar of Australia's retirement income system.Workers' Capital tells the story of the Australian superannuation revolution led by trade unions in the 1980s. After a series of hard-fought industrial campaigns, an enormous financial industry was created, involving hundreds of thousands of employers and covering millions of fund members. From having one of the worst retirement savings systems in the developed world, in three decades Australia had one of the best. Now the funds held in Australian superannuation accounts exceed the entire market capitalisation of all the companies on the Australian Stock Exchange.Drawing on interviews with the key players and extensive archival research, Workers' Capital is the first systematic history of the unique Australian system of industry superannuation.'Startling and informative-I thought I knew a lot about the industry superannuation phenomenon, but this one took me by surprise. For a topic so important, a real page-turner.'Gerard Noonan, Chair of Media Super, former editor of Australian Financial ReviewA prescriptive and timely guide to finding success and happiness without a college degree by Ken Rusk, the Ohio-based entrepreneur…
and “million-dollar ditch digger” who believes it is time to celebrate the possibilities and financial opportunities that a Blue-Collar life can bring.A BLUE-COLLAR APPROACH TO CREATING A LIFE YOU LOVEIn a period of skyrocketing student loan debt without the promise of high-paying employment, and in an economy in desperate need of skilled tradespeople, many are seeking new paths. Ken Rusk, the “million-dollar ditch digger,” is here to show you that blue-collar trades are a source of pride and that you can—and will—find your version of happiness by pursuing a good old-fashioned craft. In Blue Collar Cash, Ken shares his insights from over 30 years working in blue collar trades as an entrepreneur, mentor, and life coach. Ken knows from his own experience—first as a young kid digging ditches, and then as the owner of a successful concrete construction business—that working with your hands at a job that takes skill and practice can be monumentally rewarding and life-affirming. Since then, he has built a multi-million-dollar business and gone on to mentor hundreds of employees in how to manage their money and set achievable goals. Using the stories of those who have discovered lives of comfort, peace, and freedom, Ken creates a step-by-step, interactive guide—including financial planning and savings advice—to creating alternative and realistic routes to success and fulfillment.“Leisa has a truly unique gift and has designed a path that will transform your relationship with money.”—Grant Sabatier, author…
of Financial Freedom and creator of Millennial Money In the world of personal finance the biggest challenge is the sense that there’s never going to be enough. It is this mindset of scarcity, and not the amount spent on lattes, that holds people back the most from achieving their financial dreams. Using techniques she’s developed as a financial planner and spiritual coach, Leisa Peterson guides you to dig deeper and discover the root of your financial thinking to change not just the way you save and spend, but the way you live your life.Through powerful practices, compelling stories and extensive research, The Mindful Millionaire meets you wherever you are in your money journey by exploring:*Where your current money habits come from and why you feel the way you do about money and success.*How to break the cycle of fear, grief, and shame that often surrounds your money habits.*How to write a new money story that inspires joy, satisfaction and prosperity.*Why wealth building isn’t just about positive thinking and “manifesting” things into reality.*How to stop financial self-sabotage and procrastination.*Where practical financial advice misses the mark.*The most effective tools for changing how you think and feel about money.*What true financial independence looks like and how to discover the millionaire within.“This book helps you realize your intrinsic value so your financial decisions reflect what matters most to you. This is the key to true financial freedom."—Ivan R. Misner, Ph.D., Founder of BNI and New York Times bestselling author of Truth or Delusion? Busting Networking’s Biggest Myths“If you've read other finance books and still felt empty, this is the book you've been waiting for.”—Joe Saul-Sehy, Creator and Co-Host, Stacking Benjamins PodcastBy Bill Perkins. 2020
A Common-Sense Guide to Living Rich….Instead of Dying Rich Imagine if by the time you died, you did everything you…
were told to. You worked hard, saved your money, and looked forward to financial freedom when you retired. The only thing you wasted along the way was…your life. Die with Zero presents a startling new and provocative philosophy as well as practical guide on how to get the most out of your money—and out of your life. It&’s intended for those who place lifelong memorable experiences far ahead of simply making and accumulating money for one&’s so-called Golden Years. In short, Bill Perkins wants to rescue you from over-saving and under-living. Regardless of your age, Die with Zero will teach you Perkins&’ plan for optimizing your life, stage by stage, so you&’re fully engaged and enjoying what you&’ve worked and saved for. You&’ll discover how to maximize your lifetime memorable moments with &“experience bucketing,&” how to convert your earnings into priceless memories by following your &“net worth curve,&” and find out how to navigate whether to invest in, or delay, a meaningful adventure based on your &“spend curve&” and &“personal interest rate.&” Using his own life experiences as well as the inspiring stories and cautionary tales of others—and drawing on eye-opening insights about time, money, and happiness from psychological science and behavioral finance —Perkins makes a timely, convincing, and contrarian case for living large.By Laurence J. Kotlikoff, Scott Burns. 2004
How to avoid a fiscal crisis in the next generation— and how to protect yourself if the government acts too…
late: policy recommendations and individual strategies to protect against skyrocketing tax rates, drastically reduced health and retirement benefits, high inflation, and a ruined currency. In 2030, as 77 million baby boomers hobble into old age, walkers will outnumber strollers; there will be twice as many retirees as there are today but only 18 percent more workers. How will America handle this demographic overload? How will Social Security and Medicare function with fewer working taxpayers to support these programs? According to Laurence Kotlikoff and Scott Burns, if our government continues on the course it has set, we'll see skyrocketing tax rates, drastically lower retirement and health benefits, high inflation, a rapidly depreciating dollar, unemployment, and political instability. The government has lost its compass, say Kotlikoff and Burns, and the current administration is heading straight into the coming generational storm.But don't panic. To solve a problem you must first understand it. Kotlikoff and Burns take us on a guided tour of our generational imbalance, first introducing us to the baby boomers—their long retirement years and "the protracted delay in their departure to the next world." Then there's the "fiscal child abuse" that will double the taxes paid by the next generation. There's also the "deficit delusion" of the under-reported national debt. And none of this, they say, will be solved by any of the popularly touted remedies: cutting taxes, technological progress, immigration, foreign investment, or the elimination of wasteful government spending.So how can the United States avoid this demographic/fiscal collision? Kotlikoff and Burns propose bold new policies, including meaningful reforms of Social Security, and Medicare. Their proposals are simple, straightforward, and geared to attract support from both political parties. But just in case politicians won't take the political risk to chart a new direction, Kotlikoff and Burns also offer a "life jacket"—guidelines for individuals to protect their financial health and retirement. This paperback edition of The Coming Generational Storm has been revised and updated and includes a new foreword by the authors.By Sarah Archer. 2020
An irresistible and colorful celebration of Japan’s thriving cat culture. In Japan, cats rule. And the country’s feline love affair…
is now a worldwide phenomenon. From cat cafés and Hello Kitty to the familiar sight of a maneki neko (“beckoning cat”) waving its paw from a shop window, cat lovers all over the world are more immersed in Japan’s cat culture than they may realize. With charming storytelling, Catland will introduce you to cats practicing to become monks, a designer who makes cat costumes inspired by the fashions of 18th-century France, and skilled craftsmen who build pieces of fine furniture precisely scaled down to suit feline customers. Packed with photographs, works of art, pop culture and folklore, Catland is the perfect gift for the cat lover in your life.By Smoki Musaraj. 2020
Tales from Albarado revisits times of excitement and loss in early 1990s Albania, in which about a dozen pyramid firms…
collapsed and caused the country to fall into anarchy and a near civil war. To gain a better understanding of how people from all walks of life came to invest in these financial schemes and how these schemes became intertwined with everyday transactions, dreams, and aspirations, Smoki Musaraj looks at the materiality, sociality, and temporality of financial speculations at the margins of global capital. She argues that the speculative financial practices of the schemes were enabled by official financial infrastructures (such as the postsocialist free-market reforms), by unofficial economies (such as transnational remittances), as well as by historically specific forms of entrepreneurship, transnational social networks, and desires for a European modernity. Overall, these granular stories of participation in the Albanian schemes help understand neoliberal capitalism as a heterogeneous economic formation that intertwines capitalist and noncapitalist forms of accumulation and investment.By Mark Rosen, Al Rosen. 2017
Over the past twenty-five years, a series of actions, omissions, and failures by Canada's lawmakers and the purported gatekeepers of…
investors' rights have left Canadians' investments, pensions, and retirement savings at greater risk. Bodies such as provincial securities commissions have abandoned their obligations to safeguard investors and allowed published and audited financial statements in Canada to become unreliable. Yet these distorted financial statements are often used by financial analysts who present them as accurate, leaving investors in the dark about serious risks and negative impacts on their savings. In Easy Prey Investors, investigative forensic accountants Al and Mark Rosen examine the circumstances – beginning with a 1997 Supreme Court of Canada ruling that largely granted external auditors immunity against shareholder lawsuits – that have led to a proliferation of corporate scandals and other financial manipulations, and a corresponding lack of accountability among auditors. Based on their many years of experience in major Canadian court cases involving collapsed companies, the authors reveal the full stories behind the financial deceptions, and describe the disturbing consequences for investors. They show how a combination of inaction by lawmakers and illogical delegation of regulatory power to conflicted financial statement auditors has seriously harmed investors, as well as how most conventional protections have been stripped away from stakeholders. Why invest in Canada when your money can so easily be lost? Prying open doors too often sealed shut, Easy Prey Investors illuminates the unpleasant details of financial manipulation and suggests new ways to guide and protect investors and their families.