Imposing Standards
In Imposing Standards, Martin Hearson shifts the focus of political rhetoric regarding international tax rules from tax havens and the Global North to the damaging impact of this regime on the Global South. Even when not exploited by tax dodgers, international tax standards place severe limits on the ability of developing countries to tax businesses, denying the Global South access to much-needed revenue. The international rules that allow tax avoidance by multinational corporations have dominated political debate about international tax in the United States and Europe, especially since the global financial crisis of 2007-2008.Hearson asks how developing countries willingly gave up their right to tax foreign companies, charting their assimilation into an OECD-led regime from the days of early independence to the present day. Based on interviews with treaty negotiators, policymakers and lobbyists, as well as observation at intergovernmental meetings, archival research, and fieldwork in Africa and Asia, Imposing Standards shows that capacity constraints and imperfect negotiation strategies in developing countries were exploited by capital-exporting states, shielding multinationals from taxation and depriving nations in the Global South of revenue they both need and deserve.Thanks to generous funding from the Gates Foundation, the ebook editions of this book are available as Open Access volumes from Cornell Open (cornellpress.cornell.edu/cornell-open) and other repositories.
Implementing an Analytics Culture for Data Driven Decisions
For many years Finance has had a monopoly on reporting numbers to business leaders, but this monopoly no longer exists. Unless Finance gets into the analytics game, Finance risks being sidelined and replaced in many of its FP&A functions. Finance needs to act fast and step up its game. Turning data into insights and foresight is crucial for, what we call, Next Generation Finance. With recent emergent technologies and a change in mentality of wanting to influence decisions, Finance has started the journey of advancing from the Trusted Scorekeeper towards the Strategic Partner.In the journey towards a Strategic Partner an analytics culture for data driven decisions needs to be developed. A culture that has four key components of Mindset, People, Processes, and Systems. These components, when aligned, institutionalize the practices about data driven decisions for business optimization.This book describes how to build a culture of data driven decisions using analytics. It purports that Finance becomes the hub of analytics to partner with the business to deliver the insights and foresight that impact the strategic decisions. Creating a culture of data driven decisions with analytics requires a Roadmap to transform Finance to the World Class Strategic Partner. This book lays out that roadmap...
Cleanwealth Guide to Financial Intelligence
Do you want to regain control of money, have visibility on your spending, or simply want to learn how to save? CleanWealth Guide provides answers. This Guide empowers you, boosts your confidence in making money decisions, and helps clarify your relationship to money on a deep mindset level. CleanWealth Guide is a step-by-step, non-technical blueprint to help you design your financial life. Most financial literacy programs and personal finance books fail to describe how to change unwanted money habits and how to update finance tools and terms made popular in the 1990s. As we enter the 3rd decade of the 21st Century, finance is rapidly being reengineered and blockchain, cryptocurrencies and digital tokens are commonplace. Headlong we are being propelled into a cashless society. Are you ready? Habits of the rich and successful are explained. A growth mindset is explored and how to modify the mental paradigm that determines your money behaviors. Access to simple exercises, case studies and templates are provided to learn about cashflows, balance sheet, budgeting and risk exposures. Also, references to ancient scriptures give guidance on charitable giving, wealth distribution and leaving a positive legacy. CleanWealth Guide helps you to discover a pathway to permanent happiness. Clear insights are offered into 8 Universal laws of success and principles for Exceptional Living.
Financial Management for Technology Start-Ups
More than a third of start-ups fail due to founders having a poor understanding of financial management. Become financially savvy with this easy to understand guide and learn how to effectively grow your business, communicate with investors and progress to the next level. Start-ups face many challenges but managing the finances does not need to be one. Financial Management for Technology Start-Ups offers a complete financial toolkit on how to use this area of your business to your advantage. This book contains invaluable tools and insights designed specifically for tech start-ups, with a concentrated focus on what is important in financial terms for technology-based and innovation focused entrepreneurial businesses. The fully updated second edition offers greater analysis of financial statements directly from real-world start-ups, charts the success of businesses that went from start-up to scale-up with all new case studies and covers new digital technologies, emerging opportunities in the ecosystem, developing markets and much more. For entrepreneurs and tech innovators, this is a must-have book to help take your idea from concept to company with clear and effective financial insights.
The Digital Transformation of Property in Greater China
Long-planned advances in China - in 5G, blockchain, central bank coins, and SME superapps - have coalesced into a new world of digitized, tokenized, and tradable assets. New digital mega-projects like the Blockchain Service Network, smart cities, and new foreign exchange digital rails are animating physical assets: offices, warehouses, homes, and farms. Powered by a network of sensors, AI, and distributed trust, property has digitized wings. The resulting inflow of data from every part of the 'built' world will create new industries, uproot traditional finance, and transform cities.The global trade war is not just a re-ordering of technology: it's a re-ordering of cities. Nations which export this digital technology first will alter the digital fabric of the developing world. A digital Non-Aligned Movement is afoot! One way for the US to catch up is public-private partnerships between Silicon Valley and DC - or just 'copy' China. This book explores the many people and companies, large and small, which are blazing new trails in China's 'Internet of Everything' to transform the way we live, buy, and move.
The Digital Transformation of Property in Greater China
Long-planned advances in China - in 5G, blockchain, central bank coins, and SME superapps - have coalesced into a new world of digitized, tokenized, and tradable assets. New digital mega-projects like the Blockchain Service Network, smart cities, and new foreign exchange digital rails are animating physical assets: offices, warehouses, homes, and farms. Powered by a network of sensors, AI, and distributed trust, property has digitized wings. The resulting inflow of data from every part of the 'built' world will create new industries, uproot traditional finance, and transform cities.The global trade war is not just a re-ordering of technology: it's a re-ordering of cities. Nations which export this digital technology first will alter the digital fabric of the developing world. A digital Non-Aligned Movement is afoot! One way for the US to catch up is public-private partnerships between Silicon Valley and DC - or just 'copy' China. This book explores the many people and companies, large and small, which are blazing new trails in China's 'Internet of Everything' to transform the way we live, buy, and move.
Financial Management in the Sport Industry
Now in its third edition, this essential textbook introduces the fundamentals of sport finance and financial management in the sport industry. It is the only textbook to explain every aspect of finance from the perspective of the sport management practitioner, explaining key concepts and how to apply them in practice in a sport context.
Enterprise Risk Management in Europe
Enterprise Risk Management in Europe advances understanding of ERM in Europe, providing a novel and unique set of perspectives on the ongoing dynamics between ERM and corporate processes. This is an essential guide for researchers, practitioners and policy makers both in and beyond European borders.
The Economics of Banking
The Economics of Banking provides an accessible overview of banking theory and practice. It introduces readers to the building blocks of fundamental theories and provides guidance on state-of-the-art research, reflecting the dramatic changes in the banking industry and banking research over the past two decades.This textbook explores market failure and financial frictions that motivate the role of financial intermediaries, explains the microeconomic incentives and behavior of participants in banking, examines microlevel market stress caused by economic recessions and financial crises, and looks at the role of monetary authorities and banking regulators to reduce systemic fragility as well as to improve macroeconomic stability. It delivers broad coverage of both the micro and macroeconomics of banking, central banking and banking regulation, striking a fine balance between rigorous theoretical foundations, sound empirical evidence for banking theories at work, and practical knowledge for banking and policymaking in the real world.The Economics of Banking is suitable for advanced undergraduate, master's, or early PhD students of economics and finance, and will also be valuable reading for bankers and banking regulators.
Health Insurance Systems
Health Insurance Systems: An International Comparison offers united and synthesized information currently available only in scattered locations - if at all - to students, researchers, and policymakers. The book provides helpful contexts, so people worldwide can understand various healthcare systems. By using it as a guide to the mechanics of different healthcare systems, readers can examine existing systems as frameworks for developing their own. Case examples of countries adopting insurance characteristics from other countries enhance the critical insights offered in the book. If more information about health insurance alternatives can lead to better decisions, this guide can provide an essential service.
Beyond Borders, Beyond Banking
This book examines the experiences and good practices of ACLEDA Bank, Cambodia. Applicable to banks and microfinance institutions around the globe, it includes materials for classroom instruction on organizational development, financial sector development, the role of government and investors in supporting the financial market, and the benefits to customers.Following on the previous publication When There Was No Money, which tells the ACLEDA story by tracing its history and various stages of organizational development in the financial sector as it evolved in Cambodia from 1991 to 2004, this book examines the 2nd decade in the bank's history, including its expansion to Lao PDR and Myanmar, and the launch of subsidiaries, such as ACLEDA Securities and the ACLEDA Institute of Business.Adopting a documentary approach, the book presents case studies supported by current economic and financial literature, as well as stories from a widerange of interviews with the board, management, staff, customers, competitors and regulators.Given its scope, the book offers a valuable resource for financial institutions, investors, researchers and students interested in financial inclusion, financial sector development, good governance of financial institutions, microfinance, aid effectiveness, post-conflict organizational development, and Cambodia.
How to Survive the Coming Retirement Storm
"A confluence of forces--from four million new retirees each year, massive government debt and unsustainable deficits, a still-broken financial system, and a global economic slowdown--power the retirement storm. Its unknown magnitude and duration will overwhelm the current retirement system.New retirees sense the approaching storm. Seventy-five percent state that they aren't prepared to manage the twenty to thirty years they will spend in retirement. Fifty-four percent fear outliving their money.How to Survive the Coming Retirement Storm helps readers navigate the gap between the old, broken system, and the yet-to-be-defined new system. It offers readers a new perspective on the new retirement environment and the tools to guide them to safety."
Understanding the Financial Industry Through Linguistics
This book is an essential read for any professional dealing with data and information challenges.The author presents a new, unique approach to broad industry issues, leveraging applied linguistics and discusses how to break barriers that exist between language and data; the aim to make it easier for the financial industry (including regulators) to communicate - for the benefit of all investors. Unconventional in the cross-disciplinary pairing of applied linguistics and financial services, it is practical and intuitive in pursuing solutions. While focused on financial services, the approach is relevant for other industries that have similar challenges.
Understanding Cryptocurrency Fraud
This handbook focuses on the key issues that continue to hinder the formal development of cryptocurrencies as a mainstream financial asset. It primarily examines reputationally damaging events, particularly those related to illicit behavior. The goal of the handbook is to determine whether some of these events could be mitigated by improved or at least coordinated international regulation. The handbook will be useful for specialist technical audiences such as legal, accounting and financial practices. It will also be beneficial for upper level masters and research students in economics, law, accounting, taxation, investment and portfolio management.
Unsecured Lending Risk Management
In the digital era, various personal lending products emerge every day, from different banks, credit unions, and fintech companies. How can these lenders extend billions of dollars in loans without asking for any collateral? How do credit risk professionals manage the risk of an unsecured lending portfolio effectively? Unsecured Lending Risk Management provides a comprehensive introduction that will help readers quickly establish a holistic view of the risk management practices in this traditional, yet quickly evolving industry. In this easy-to-follow guide, all behind-the-scenes risk management decisions and best practices are revealed. The author puts all of his experience in managing billions of dollars of unsecured lending portfolios over the past two decades into this book. Those exploring a career in unsecured lending risk management will find this book to provide important business contexts and the know-how that will help them launch their career. For risk professionals in the early phase of their careers, this book will facilitate becoming a well-rounded professional and further advance their career. Seasoned risk and non-risk professionals in the lending ecosystem can find this book to be a quick refresher of key aspects in portfolio risk management. Curious consumers will get a peek into how the decisions on your own credit cards, loans, lines, and overdrafts are made.
Financial Management
Financial Management is written in a concise and simple manner and is fundamental to the learning needs of students at university. This book is written in a basic manner but does not neglect the details of each topic and material which is expected to provide a comprehensive understanding for students and readers. Financial Management in this book discusses 4 basic things in financial management including: 1. Finance Management with sub discussions: - Understanding of Money - Understanding of Finance Management - Understanding Finance Manager 2. Financial Statements with sub discussion: - Finance Performance - Financial Ratio Analysis - Transaction Analysis 3. Working Capital with sub discussions: - Working Capital Concept - Understanding Of Working Capital - Capital Structure 4. Cash management - Cash Management Aspects The 4 things discussed in this book are 4 fundamental and very important things to understand in financial management. Because the 4 things are commonly used in financial management in the real world. It is hoped that after understanding the 4 main discussions, students or readers can practice the basics of financial management and have the enthusiasm and motivation to study financial management at an advanced level.
Aspen Treatise for Introduction To United States International Taxation
Introduction to United States International Taxation, Seventh Edition
Fintech Regulation
Provides regulatory analysis of FinTech taking into account both legal and economical aspects of the growing phenomenonConsiders developments in European, US, and UK regulation, with a particular focus on the influence of BrexitCovers market-based financing and the allocation of risks and benefits among intermediaries
The Impact of the Growth of the Sharing and Gig Economy on Vat/Gst Policy and Administration
This report aims at assisting tax authorities in designing and implementing an effective Value Added Tax/Goods and Services Tax (VAT/GST) policy response to the growth of the sharing and gig economy. The rise of this phenomenon, powered by digital platforms, has transformed a number of industries within just a few short years.
Oecd/G20 Base Erosion and Profit Shifting Project Making Dispute Resolution More Effective - Map Peer Review Report, Japan (Stage 2) Inclusive Framework on Beps: Action 14
This report reflects the outcome of the Stage 2 peer monitoring of the implementation of the Action 14 Minimum Standard by Japan, which is accompanied by a document addressing the implementation of best practices.
Project Financing
The book describes the different tools and techniques available to anyone who is engaged in providing funding or advice to a project. Project finance is ultimately about applying three basic principles to a funding situation and from these three, all the other ideas flow including contracts. First, there needs to be a cash flow coming from the project that is capable of being captured by finance providers. Second, there needs to be a group of assets that can be segregated and contained by making sure they cannot be taken away by other parties and thirdly there needs to be a risk envelope that is well understood and managed dynamically during the project's life. To do this, a network of contracts must exist to support the rights of the different stakeholders and their legal claims on the project. In this book the authors examine all of these aspects and provide some examples/mini-cases of project structures and approaches. The book begins and ends with a longer case study of two projects that were standalone examples of project financing and controversial for different reasons at the time of their fundraising.
Prevention of Tax Treaty Abuse - Third Peer Review Report on Treaty Shopping
The BEPS Action 6 minimum standard on preventing the granting of treaty benefits in inappropriate circumstances, is one of the four BEPS minimum standards that all members of the OECD/G20 Inclusive Framework on BEPS (Inclusive Framework) have committed to implement. This report reflects the outcome of the third peer review of the implementation of the Action 6 minimum standard on treaty shopping as approved by the Inclusive Framework.
Oecd/G20 Base Erosion and Profit Shifting Project Making Dispute Resolution More Effective - Map Peer Review Report, Mexico (Stage 2) Inclusive Framework on Beps: Action 14
This report reflects the outcome of the Stage 2 peer monitoring of the implementation of the Action 14 Minimum Standard of Mexico.
Oecd/G20 Base Erosion and Profit Shifting Project Making Dispute Resolution More Effective - Map Peer Review Report, Australia (Stage 2) Inclusive Framework on Beps: Action 14
Under Action 14, countries have committed to implement a minimum standard to strengthen the effectiveness and efficiency of the mutual agreement procedure (MAP). The MAP is included in Article 25 of the OECD Model Tax Convention and commits countries to endeavour to resolve disputes related to the interpretation and application of tax treaties. The Action 14 Minimum Standard has been translated into specific terms of reference and a methodology for the peer review and monitoring process. The peer review process is conducted in two stages. Stage 1 assesses countries against the terms of reference of the minimum standard according to an agreed schedule of review. Stage 2 focuses on monitoring the follow-up of any recommendations resulting from jurisdictions' Stage 1 peer review report. This report reflects the outcome of the Stage 2 peer monitoring of the implementation of the Action 14 Minimum Standard by Australia, which is accompanied by a document addressing the implementation of best practices.
Oecd/G20 Base Erosion and Profit Shifting Project Making Dispute Resolution More Effective - Map Peer Review Report, Portugal (Stage 2) Inclusive Framework on Beps: Action 14
This report reflects the outcome of the Stage 2 peer monitoring of the implementation of the Action 14 Minimum Standard of Portugal.
Oecd/G20 Base Erosion and Profit Shifting Project Making Dispute Resolution More Effective - Map Peer Review Report, Israel (Stage 2) Inclusive Framework on Beps: Action 14
This report reflects the outcome of the Stage 2 peer monitoring of the implementation of the Action 14 Minimum Standard by Israel.
Investing Is Your Superpower
Investing isn't just for men. It's for anyone who wants to thrive financially.There is a cultural shift happening today. Right now. More and more women are investing in the stock market and claiming their financial freedom. But it's hard to know where to start.School never taught you how to invest, and trying to research personal finance options on your own can be overwhelming-especially when the information you need is buried in financial jargon.Investing Is Your Superpower will change your life. Warmly relatable and powerfully insightful, this groundbreaking book from Shinobu Hindert, CFP(R) and creator of Empowered Planning, offers a proven step-by-step process for building wealth and confidently making investment decisions. Stop waiting and take charge of your financial future. Create the lifestyle you've always wanted but thought you couldn't afford.
Oecd/G20 Base Erosion and Profit Shifting Project Making Dispute Resolution More Effective - Map Peer Review Report, Ireland (Stage 2) Inclusive Framework on Beps: Action 14
This report reflects the outcome of the Stage 2 peer monitoring of the implementation of the Action 14 Minimum Standard by Ireland.
Oecd/G20 Base Erosion and Profit Shifting Project Making Dispute Resolution More Effective - Map Peer Review Report, Malta (Stage 2) Inclusive Framework on Beps: Action 14
This report reflects the outcome of the Stage 2 peer monitoring of the implementation of the Action 14 Minimum Standard of Malta, which is accompanied by a document addressing the implementation of best practices.
Oecd/G20 Base Erosion and Profit Shifting Project Making Dispute Resolution More Effective - Map Peer Review Report, New Zealand (Stage 2) Inclusive Framework on Beps: Action 14
This report reflects the outcome of the Stage 2 peer monitoring of the implementation of the Action 14 Minimum Standard of New Zealand, which is accompanied by a document addressing the implementation of best practices.
Suddenly Wealthy
"It's time to get your mind right, and...Suddenly Wealthy is going to help you do that. Get reading and then go create some IMPACT in this world!"--Todd Durkin, MA, CSCS "Whether you are a young or experienced professional (athlete), this book will help you adjust and adapt your mentality, lifestyle, and overall behavior and empower you to take control of your life and finances."--Athena P. Constantno, The sports Financial Literacy Academy "Suddently Wealthy lays out a playbook that is critical for pro athletes who want to be empowered by real-life examples and insights that demonstrate how to keep and grow their wealth -- well beyond their playing career." --Deborah Dubree, Elite Performance Expert and Strategist
Investing Is Your Superpower
Investing isn't just for men. It's for anyone who wants to thrive financially.There is a cultural shift happening today. Right now. More and more women are investing in the stock market and claiming their financial freedom. But it's hard to know where to start.School never taught you how to invest, and trying to research personal finance options on your own can be overwhelming-especially when the information you need is buried in financial jargon.Investing Is Your Superpower will change your life. Warmly relatable and powerfully insightful, this groundbreaking book from Shinobu Hindert, CFP(R) and creator of Empowered Planning, offers a proven step-by-step process for building wealth and confidently making investment decisions. Stop waiting and take charge of your financial future. Create the lifestyle you've always wanted but thought you couldn't afford.
Digital Executor(R)
The world has gone digital and so have our clients' estates. Digital assets may simply be electronic records, but they are the digital gateway to our lives. They are our memories, our money, and our records, making technology the new player at the estate planning table. The Digital Executor(R) Unraveling the New Path for Estate Planning arms estate advisors, business owners, service providers, and the broader estate and technology industries with heightened awareness of client expectations regarding their digital estates. Everyone needs a will and in today's age of digitization, estate plans must include your client's digital life. This book is a primer for understanding a client's personal use case when navigating estate management in the digital age with introductions to technology and the underlying aspects and differences between digital asset classes. With technology being the new player at the client's estate planning table, estate advisors must be educated, motivated, and prepared, adapting policies and processes for operating in the digital world. Equally, technology and service providers must align with the stars to be integrated partners in estate industry conversations.Sharon's first book, Your Digital Undertaker: Exploring Death in the Digital Age in Canada, was about digital assets in the context of an individual's or client's estate planning life cycle. This follow-up book, Digital Executor(R) Unraveling the New Path for Estate Planning is about digital assets in the context of the estate industry. This book draws the reader into the world of estate planning with a digital twist, bringing together how the global estate industry, technology and service providers must address client expectations about their digital assets and the implications of the changing role of the fiduciary/executor. To understand the role of digital assets in the estate industry, we must first understand technology, the client's user context, and the changing role of the estate advisor. From an estate industry perspective, if today's executor is a digital executor and today's fiduciary is a digital fiduciary, then today's advisor must be a digital advisor.
Digital Executor(R)
The world has gone digital and so have our clients' estates. Digital assets may simply be electronic records, but they are the digital gateway to our lives. They are our memories, our money, and our records, making technology the new player at the estate planning table. The Digital Executor(R) Unraveling the New Path for Estate Planning arms estate advisors, business owners, service providers, and the broader estate and technology industries with heightened awareness of client expectations regarding their digital estates. Everyone needs a will and in today's age of digitization, estate plans must include your client's digital life. This book is a primer for understanding a client's personal use case when navigating estate management in the digital age with introductions to technology and the underlying aspects and differences between digital asset classes. With technology being the new player at the client's estate planning table, estate advisors must be educated, motivated, and prepared, adapting policies and processes for operating in the digital world. Equally, technology and service providers must align with the stars to be integrated partners in estate industry conversations.Sharon's first book, Your Digital Undertaker: Exploring Death in the Digital Age in Canada, was about digital assets in the context of an individual's or client's estate planning life cycle. This follow-up book, Digital Executor(R) Unraveling the New Path for Estate Planning is about digital assets in the context of the estate industry. This book draws the reader into the world of estate planning with a digital twist, bringing together how the global estate industry, technology and service providers must address client expectations about their digital assets and the implications of the changing role of the fiduciary/executor. To understand the role of digital assets in the estate industry, we must first understand technology, the client's user context, and the changing role of the estate advisor. From an estate industry perspective, if today's executor is a digital executor and today's fiduciary is a digital fiduciary, then today's advisor must be a digital advisor.
Education for a Digital World
This important book explores key areas of educational technology research and development within an education system infused by technology. The book explores the opportunities and challenges associated with planning and implementing educational technology within higher education. It is unique in that it is a multi-perspective view of key contemporary work on education and technology and draws on the common struggles and best practices from experts. Readers will gain a balanced understanding of educational technology and how it is used across a broad educational spectrum as well as ways to stimulate an ongoing dialog and sharing among those dedicated to optimizing the use of technology in educational settings. The book covers topics including The development and application of e-learning technology standards Distance learning approaches to online instruction Multimedia classroom practices Perspectives on online learning design Web-based training strategies Research on students and student experiences with technology within and beyond the classroom learning experience
Best Practices for Education Professionals
Best practices currently advocate that education professionals consult and collaborate with colleagues across disciplines as a means of providing students and their families a comprehensive, developmental approach to students' academic, career, and social/personal growth. Best Practices for Education Professionals has been developed to inform in-service and pre-service professional educators, including teachers, school counselors, school psychologists, speech language pathologists, administrators, and other school professionals, about useful techniques, ideas, competencies, and skills when addressing the comprehensive development of children in schools and school settings.The book is comprised of both research (qualitative, quantitative, and mixed-design) and conceptual pieces about the most effective, current professional practices for professionals who work with P-12 children in schools. It will be highly useful for individuals studying to be practicing teachers, school counselors, school psychologists, speech language pathologists, administrators, as well as other school professionals. The book informs in-service and pre-service individuals about useful techniques, ideas, competencies, and skills when working with children in schools and school settings. The volume is also important to individuals undertaking academic (master and doctoral) level research on best practices for school professionals.The book includes recent, research-based ideas in the field of education. Topics include cultural competencies for school professionals, learning communities, educational technology, literacy, and special education. This book is particularly important in the field of education since becoming informed on the latest techniques and ideologies is an essential component of both professional preparation and continuing professional development of school professionals. Currently, education practitioners struggle with finding time for professional development and ways to inform themselves of the latest research. This book--with many timely findings--is important to offer to the education community, as well as the academic community, in higher education. As students continually change, so must the practices of the professionals who work with them. This volume attempts to highlight some of the most recent practices in the field of education and for educators. This book is unique and valuable in that while other books focus on a particular profession within the education field, this book covers best practices of a variety of professionals who work in the schools.
Facilitating Deep Learning
Deep learning is a committed approach to learning. It is a process of constructing and interpreting new knowledge in light of prior cognitive structures and experiences, which can be applied in new, unfamiliar contexts. Deep learning produces learning that lasts a lifetime; and it results in better quality learning and profound understanding. In contrast, surface learning involves a dispassionate approach to learning. The surface learner is not concerned with understanding. Information acquired is usually lost after examinations; and there is no profound understanding or knowledge construction. Research studies show that most university and college students today take a surface approach to learning. The purpose of this book is to show readers how to create a learning environment that promotes deep learning in their classes. The book will do so by providing readers with the theoretical and pedagogical tools needed to: - Understand the notion of deep learning - Design and implement courses that encourage students to take a deep approach to learning - Design engaging and innovative teaching and learning activities that encourage students to use higher-order cognitive skills to construct knowledge and negotiate meaning - Implement assessment tools aimed at facilitating the deep learning process - Support international and other nontraditional students to construct learning deeply. The book begins with an examination of the big picture: the institutional constraints that hinder a culture of deep learning. From there, it deconstructs the concept of deep learning, and it examines every element of the deep learning process. It also discusses the factors that contribute to produce a deep learning environment. The rest of the chapters are about how to facilitate deep learning. The book examines every component of the teaching and learning system: goals, performances, and evaluation. It discusses strategies and methods that teachers can adopt to help students learn how to read and write in their disciplines in a deep way. The book also discusses the notion of inclusive deep learning environments which focus on engaging nontraditional students.
The Ethics of Cultural Competence in Higher Education
This new book presents both research (qualitative, quantitative, and mixed-design) and conceptual chapters about the ethical factors to be considered in teaching, administration, and professional practice in higher education settings. The book includes recent research-based ideas in the field of higher education. Topics include cultural competencies for higher education faculty, professionals, and administrators, such as use of language in communicating concepts to students for whom English is not a first language, avoiding imposition of bias, encouraging exposition of perspective, and ethical practices for professionals working with the diverse environments and populations in higher education settings. This work is particularly important since becoming informed on the latest approaches and ideologies is an essential component of both professional preparation and continuing professional development of faculty, professionals, and administrators in higher education. Currently, education practitioners struggle with finding time for professional development and ways to inform themselves of the latest research. This volume will help education practitioners keep abreast of the most important recent research. As college student populations and environments continually change, so must the practices of the professionals who work with them. This volume highlights some of the most recent practices and perspectives in ethics and cultural competence for all college and university personnel.This volume is unique and valuable because other books have addressed culturally competent ethical practices for discrete professions within higher education, no single work has a collection of writings about ethical and culturally competent practices for a variety of the professions in higher education.
Collect The Cash
The sale is not complete until the money is in the bank...but you must collect it first. Collections are uncomfortable for everyone involved on both ends of the unfinished transaction - the flustered customer dodging the persistent calls of companies with outstanding invoices for goods or services rendered, as well as corporate employees tasked with the job of acquiring the money businesses are owed. In Collect the Cash: The Sale is not Complete Until the Money is in the Bank, financial expert and author Dee Bowden teaches the business of collections doesn't have to be miserable - but it must be done. In Collect the Cash, Dee shares her personal blueprint that has propelled her into success for over 10 years in the B2B (business to business) collections industry, boasting $13 million dollars (and counting) of outstanding debt recovered for corporations and government agencies. Combining personal anecdotes with proven methods of tangible solutions, Collect the Cash is a practical guide teaching businesses at every level to collect their money with ease, ensuring that every invoice is paid in full or ensuring that no money is left behind.
America
Originally designed to spread the cost of government fairly, our tax code has turned into a gold mine of loopholes and giveaways manipulated by the influential and wealthy for their own benefit. If you feel as if the tax laws are rigged against the average taxpayer, you're right: Middle-income taxpayers pick up a growing share of the nation's tax bill, while our most profitable corporations pay little or nothing. Your tax status is affected more by how many lawyers and lobbyists you can afford than by your resources or needs. Our best-known and most successful companies pay more taxes to foreign governments than to our own. Cities and states start bidding wars to attract business through tax breaks--taxes made up for by the American taxpayer. Who really pays the taxes? Barlett and Stelle, authors of the bestselling America: What Went Wrong?, offer a graphic expos矇 of what's wrong with our tax system, how it got that way, and how to fix it.
Assessing Performance of Banks in India Fifty Years After Nationalization
This book assesses the performance of banks in India over the past several decades, and discusses their current status after fifty years of nationalization. The performance of different categories of banks is evaluated by employing both the traditional ratio analysis and more sophisticated efficiency techniques. The book also explores the market conditions under which Indian banks operate. Going beyond a formal banking study, the book also investigates the causes of the widespread presence of informal credit in parallel to its formal banking counterpart. This approach makes it more comprehensive, unique and closer to the real world.After 50 years of nationalization, India's banking sector is at a crossroads, given the huge and unabated non-performing assets and talks of consolidation. This book, encompassing both the formal and the predominantly 'trust-based' informal credit system, provides essential insights for bankers and policymakers, which will be invaluable in their endeavours to implement meaningful changes. It may also spark new research in the fields of banking performance and efficiency analysis. Lastly, the book not only has significant implications for students of economics, banking, finance and management, but also offers an important resource to support training courses for banking personnel in India.
Taxation History, Theory, Law and Administration
Tax practitioners are unfamiliar with tax theory. Tax economists remain unfamiliar with tax law and tax administration. Most textbooks relate mainly to the US, UK or European experiences. Students in emerging economies remain unfamiliar with their own taxation history. This textbook fills those gaps. It covers the concept of taxes in regards to their rationale, principles, design, and common errors. It addresses distortions in consumer choices and production decisions caused by tax and redressals. The main principles of taxation--efficiency, equity, stabilization, revenue productivity, administrative feasibility, international neutrality--are presented and discussed. The efficiency principle requires the minimisation of distortions in the market caused by tax. Equity in taxation is another principle that is maintained through progressivity in the tax structure. Similarly, other principles have their own ramifications that are also addressed. A country's constitutionalspecification of tax assignment to different levels of government--central, state, municipal--are elaborated. The UK is more centralised than the US and India. India has amended its constitution to introduce a goods and services tax (GST) covering both central and state governments. Drafting of tax law is crucial for clarity and this aspect is addressed. Furthermore, the author illustrates different types of taxes such as individual income tax, corporate income tax, wealth tax, retail sales/value added/goods and services tax, selective excises, property tax, minimum taxes such as the minimum alternate tax (MAT), cash-flow tax, financial transactions tax, fringe benefits tax, customs duties and export taxes, environment tax and global carbon tax, and user charges. An emerging concern regarding the inadequacy of international taxation of multinational corporations is covered in some detail. Structural aspects of tax administration are given particular attention.
Know Your Rights
The ambiguous state of our legal structure and its formats leave the common man with no grasp of the basics of the system in which he lives.Treatises and documents are boundless, but yet so vague and so verbose, that one has neither the time to read it nor to even glance it.Over the years it is greatly felt that a standing reference material which can help abank worker to be aware of this rights as bank employee is necessary. Hence this effort on the part of mine to give you a summary of your rights as a bank employee edited from the available sources. This document is exhaustive and gives the most correct picture of our rights...This book is for all. The objectives of this book are to enable activists to understand important concepts in domestic enquiries, with practical illustrations and to get insightful understanding of changing environment of service conditions followed in banks and other sectors. it is hoped that books will be useful and will be a tool for effective defence assistant in days to come. Every line present day's employees in banks are now referring as a service condition and benefits has got an historical struggle and historical negotiation. Remember, the task of the union to shape your life, career and future was never an easy way or path. These benefits are hard earned rights in tough times. Now you hold the responsibility to preserve, protect, and improve them. Let thousand hands join and build our movement strong. Success is not a destination but it is a journey.
The New Wealth Paradigm For Financial Freedom
SAFE, SIMPLE AND STRESS-FREE!Most Americans do not understand their finances and are locked into a financial system designed to take away your freedom and keep you stressed, and in debt for our entire life. This book will give you a specific guide to help you find the peace, financial freedom, and security in your life. You will learn how to: - Be completely out of debt in 5 to 10 years. - Make over 100% return, guaranteed, without risk or tax consequence. - Learn the three choices that lead to happiness and peace. - Safely and predictably invest on your own.- Create your own Personal BankMake More, Eliminate Debt, Build True Wealth and Achieve an Incredible Stress-Free Life!
Using Randomness to Trade Fx Currency Pairs - Forex Business - Ideal Gift
THIS COURSE IS AN IDEAL PRESENT TO ANYONE WHO YOU LOVE. IT IS A NEW DIRECTION, A NEW HOBBY, A NEW CAREER, WHO KNOWS. IT IS A GREAT GIFT.Forex traders use all sort of tools to try to gain an advantage over other traders. They will use fundamentals, algorithmic forex trading, technical indicators, wisdom, point and figures, pendulum and so on. Yet, a simple technique to get into forex trading is actually to use complete randomness and let the market tell us the direction to trade. If we use a well diversified portfolio, with enough currencies, the trading should be profitable. This system uses this view point. We use it at the club with reasonable success.We aim at reaching 10% profit per month. With our sophisticated online calculator, we know exactly the number of lots we need in order to manage our trades.The system is so simple that it requires only a bit of patience to wait for the currencies to tell us the direction. We use a robot for the exit, based on our target to reach 10% monthly or double our capital yearly. And we use a calculator for the risk management.We use 2 platforms for this strategy. One experimental and one for the trading itself. All is explained in this course.
The Foreign Trade of China
The Foreign Trade of China: Policy, Law, and Practice is a comprehensive study that delves into the complexities of China's foreign trade since the founding of the People's Republic of China in 1949. The book explores the institutional frameworks, laws, trade policies, and practices that have shaped China's trade relations, particularly with the United States. The study is especially relevant in the context of the normalization of Sino-American relations in the 1970s, a period when trade became a central avenue of communication between the two nations despite political tensions. Gene T. Hsiao examines China's foreign trade objectives in relation to broader policy goals, offering insights into the various state trading corporations, legal contracts, and dispute resolution mechanisms that govern trade in China. Hsiao provides a detailed account of China's economic exchanges, using a wide range of sources, including government documents, trade agreements, and interviews with officials and business executives. He also discusses the challenges faced by American businesses attempting to engage with China, particularly the unique negotiating style and the Chinese reluctance to adapt to capitalist marketing techniques. Despite these challenges, Hsiao highlights the satisfaction many American traders have experienced in their dealings with China, emphasizing the growing importance of trade as a means of fostering Sino-American relations. The book offers both an academic and practical guide for understanding the intricacies of China's foreign trade and provides crucial context for those looking to navigate the complexities of trade with one of the world's most influential economies. This title is part of UC Press's Voices Revived program, which commemorates University of California Press's mission to seek out and cultivate the brightest minds and give them voice, reach, and impact. Drawing on a backlist dating to 1893, Voices Revived makes high-quality, peer-reviewed scholarship accessible once again using print-on-demand technology. This title was originally published in 1977.
Too-Big-To-Fail in Banking
This book provides a comprehensive summary of the latest academic research on the important topic of too-big-to-fail (TBTF) in banking. It explains TBTF from various perspectives including the range of regulatory measures proposed to counter TBTF, most notably the globally accepted regulation of global-systemically important banks (G-SIBs) and its main tool of capital surcharges. The empirical analysis quantifies the shareholder value of the G-SIB attribution by using quarterly observations from more than 750 global banks between Q2 2008 and Q3 2015. The main finding is that G-SIBs are confronted with a substantial relative valuation discount compared to non-G-SIBs. From the end of 2011 until the end of 2015, a stable discount of 0.6x-0.8x price-to-tangible common equity (P/TCE) is statistically highly significant. The results suggest that the G-SIB designation effect, which positively impacts G-SIBs' share prices because of funding benefits from IGGs, is dominated by the regulatory G-SIB burden effect, which negatively impacts G-SIBs' share prices because of lower profitability due to capital surcharges and other regulatory requirements placed on G-SIBs. The findings re-open the debate about whether breaking up G-SIBs would unlock shareholder value and whether G-SIBs are regulated efficiently.
Managing in the Corporate Interest
In the 1980s, corporate America experienced massive cutbacks and organizational decline after decades of economic growth and dominance. The institutional and ideological changes that were part of the transformation created a new landscape of work and social relations for corporate middle managers. Managing in the Corporate Interest assesses this landscape by examining a large diversified bank that restructured its organizational and personnel policies to meet a new era of corporate competition. Drawing on interviews with managers and personnel management employees, observation of management training seminars, and documentary sources, this book examines the unique mission handed to middle managers to scale back paternalistic employment policies. It also analyzes the intra-management conflict incurred when corporate top managers attempted to disguise their downsizing strategies and refused to acknowledge their own role in creating the bank's economic crisis. Vicki Smith's work suggests that quick-fix strategies such as downsizing and cutbacks, which dominated corporate profitability strategies in the 1980s, can corrode trust and legitimacy in the workplace. In the long run, such strategies also undermine consent to the current and very necessary transformation of the way American firms do business. Managing in the Corporate Interest contains important lessons about the rise and decline of economic enterprises and provides a wide-ranging look at changes in the management, structure, and production processes of American corporations. Richly documented and accessibly written, this incisive work will appeal to business people and scholars alike. This title is part of UC Press's Voices Revived program, which commemorates University of California Press's mission to seek out and cultivate the brightest minds and give them voice, reach, and impact. Drawing on a backlist dating to 1893, Voices Revived makes high-quality, peer-reviewed scholarship accessible once again using print-on-demand technology. This title was originally published in 1990.
