Deciding whether or not to declare Chapter 7 bankruptcy can be a complicated decision, involving the careful balance of many factors. For example, even though a Chapter 7 claim can do serious damage to your credit rating and will remain on your credit report for up to 10 years, failing to file for Chapter 7 may result in an even more dire impact on your credit. Why? Because an accumulation of missed payments, penalties, assets forfeiture, and lawsuits can also damage one's credit history, and often, these things can't be as simply explained as bankruptcy. Despite the obvious setbacks, filing for Chapter 7 bankruptcy is sometimes the right move to make, as long as you're aware of the implications and fully understand the procedure involved. In this book, I'm going to take you through the ins-and-outs of filing for Chapter 7 bankruptcy in an easy-to-understand way. I'm also going to help you to assess whether and when you should file for it, how to do it, and what to expect from the process. 1. Language: English. Narrator: Jim D. Johnston. Audio sample: http://samples.audible.de/bk/acx0/117494/bk_acx0_117494_sample.mp3. Digital audiobook in aax.
Are you disappointed with your stock portfolio performance? Does the stock market volatility make you nervous?Tired of chasing after "high flying stocks" only to get burned? Worried you won't have enough money for retirement?What if I told you there was a successful investment strategy that:has beaten the market over the long-term with less volatility andprovides a predictable stream of semi-passive income for you to live off in retirement? That strategy is called Dividend Growth Investing or DGI. By investing in quality dividend stocks, you can build a portfolio of companies that pay you to hold their stock! Plus, you still get to share in the upside through capital appreciation.But that's not all. Once your portfolio is big enough, you can simply live off the dividend payments without having to touch your principal balance. Imagine being able to live off 2% to 5% of your portfolio for decades without having to sell stock or touch your principal! That's the power of dividend investing! With this audiobook, you will learn:Why dividend stocks outperform the market - Dividends stocks have outperformed non-dividend stocks over the decades due to "double compound interest." My exclusive 9 factor checklist to select the best dividend stocks - These are 9 factors I always check for before investing in a dividend stock. They make sure you don't lose money investing in companies that will cut their dividend.How to avoid big losses on investments - Tired of losing big money in the stock market? I'll teach you how dividend investing can help you avoid those losses.How to construct a diversified retirement portfolio - I'll walk you through the step-by-step process to building a diversified dividend portfolio from complete scratch that will perform well in any market enviro 1. Language: English. Narrator: Andrew Li. Audio sample: http://samples.audible.de/bk/acx0/153486/bk_acx0_153486_sample.mp3. Digital audiobook in aax.
A hard-hitting critique of how managed care and the selective use of science to privilege quick-fix therapies have undermined in-depth psychotherapy - to the detriment of patients and practitioners In recent decades there has been a decline in the quality and availability of psychotherapy in America that has gone largely unnoticed - even though rates of anxiety, depression, and suicide are on the rise. In Saving Talk Therapy, veteran psychologist Dr. Enrico Gnaulati presents evocative case studies from his practice to remind patients and therapists alike how and why traditional talk therapy works and, using cutting-edge research findings, unpacks the problematic incentives in our health-care system and in academic psychology that explain its decline. Beginning with a discussion of the historical development of talk therapy, Gnaulati goes on to dissect the factors that have eroded it. Psychotropic drugs, if no longer thought of as a magical cure, are still overprescribed and shunt health-care dollars to drug companies. Managed-care companies and mental health "carve outs" send these same dollars to administrators and slash payments to therapists, driving many talented ones away and overburdening those who remain in the system. Drawing back the curtains on cognitive behavioral therapy (CBT) - a short-term, goal-oriented form of psychotherapy that is preferred in the managed-care world - Gnaulati shows that, while it might prove effective in the research lab, those findings don't readily apply to people's complex emotional problems. Gnaulati also casts a spotlight on how CBT's favored status in graduate programs prevents trainee therapists from acquiring the relationship skills necessary to caringly and carefully treat patients. Saving Talk Therapy is a passionate and deeply researched case for in-depth, personally transformative psychotherapy that incorporates the benefits of evidence-based practice and psychotropic d 1. Language: English. Narrator: J. D. Jackson. Audio sample: http://samples.audible.de/bk/rand/005460/bk_rand_005460_sample.mp3. Digital audiobook in aax.
Master's Thesis from the year 2011 in the subject Politics - International Politics - Topic: Development Politics, grade: A (18/20), Great Distinction, Humboldt-University of Berlin (Ghent University (Belgium), Agrocampus Ouest (France), Humboldt University of Berlin (Germany)), course: International Master of Science in Rural Development, language: English, abstract: Policy instruments based on Payments for Environmental Services (PES) have been increasingly applied by different actors responsible for water resources and environmental conservation in Brazil. This thesis analyses farmer's decision to participate or refuse participation these schemes, focusing not only on farm or farmers characteristics, but also on the process of project implementation. The methodological structure consisted of a qualitative analysis under the perspective of institutional economics and a logistic regression model of revealed preferences. This structure applied to scrutinize three different PSE-water projects in Brazil: Conservadores das Águas (Extrema - MG), Oásis (Apucarana - PR) and ProdutorES (Espírito Santo State), selected accordingly to five main criteria: i) active projects, ii) active participation; iii) different governance models; iv) different farming regions; and v) similar ecological objectives. Database consisted of 24 semi-structured interviews conducted with local environmental managers, and a survey applied to 163 participants and non-participant farmers. Results indicate five main conclusions: 1) The non-recognition of the interactions between riparian vegetation and water flow regulation undermines efforts to engage farmers proactively in PES projects, reduces trust-building processes and might act as a conflict generation factor in the medium term; 2) The participation of a legitimate and representative organisation of farmers' interests during all phases of project development and execution significantly reduces transaction costs associated with farmers' engagement and subsequent project implementation; 3) Access to information and general environmental concern were found to be most important issues to influence farmers' decision; 4) Context-based factors can play a role in excluding certain farmer categories, such as women and downstream farmers. It was also found that farmers that rely heavier on family labour are facing bigger constrains to adapt their production systems to participate in the programmes; 5) Consistently with economic theory and cases analysed in the literature, farmers with higher opportunity costs participate less in PES projects. These conclusions are expected to improve efficiency in PES-water policy development in Brazil. PES policy managers might be particularly attracted by some of the findings and might tailor their programmes aiming better participation levels.
Diploma Thesis from the year 2000 in the subject Economics - Finance, grade: 1, Christian-Albrechts-University of Kiel, language: English, abstract: This paper deals with three highly controversial aspects in the international finance literature: the degree of international financial integration, the economic impact of capital mobility, and the potential role of capital controls in the emerging international financial architecture. Regarding the first aspect, many observers have been influenced by the recent hype about 'globalisation' and in fact take it for granted that capital markets have become almost fully integrated into a world financial marketplace. This paper, reviews evidence that challenges this conventional wisdom, though confirming that the degree of international financial integration is rising. With respect to the second aspect, it is demonstrated that there are circumstances under which the free flow of international capital could negatively impact upon economic performance and/or otherwise welfare-enhancing domestic policies. This finding conflicts with traditional theory and provides an economic rationale for the judicious introduction of capital controls. With this assertion in mind, the final aspect, the role of capital controls, is investigated. The specific question explored is how far restrictions on international capital flows are able to avert a costly economic imbalance arising from fluctuations in the balance of payments. Although the international consensus seems to have shifted in recent years towards promoting Chilean-style capital controls as a potential new building block in the international financial landscape, this paper cautions against such a generalisation of the Chilean experience. Rather, a review of the empirical literature suggests that much of Chile's economic success story in the last decade can be explained by factors other than its control regime. The rising degree of international financial integration enhances the need for small countries to resolve their dilemma of being dependent on external funding and, at the same time, most vulnerable to sudden reversals of international capital flows. Yet, simple solutions of how to counterbalance the potential threats of capital mobility in a second-best equilibrium, are not found to be easily forthcoming. In particular, this paper argues that capital controls are no panacea - even less so, if they delay necessary macro- and microeconomic reforms.
Studienarbeit aus dem Jahr 2012 im Fachbereich BWL - Personal und Organisation, Note: 1,70, Ruhr-Universität Bochum, Veranstaltung: Contemporary Issues in Corporate Governance, Sprache: Deutsch, Abstract: Various forms of performance based payments are not new phenomena. The discussion on it has existed for a long time. However, as a result of widespread established share-based income components, which were widely reported in the media, this subject shifted it increasingly in the public interest. Especially in the years after the financial crisis it has becomes a common question why the executives of banks got millions of dollars over a long time even though the corporations have to accept government aid today. Furthermore it should be noted that '[c]ompensation policy is one of the most important factors in an organization's success.' In this context this paper discusses issues of current political, social and scientific interest while they are at the same time important for the economy. It will show arguments for and against the paradigm of pay for performance. Additionally, it will try in aspect to give a satisfactory answer to the question, whether performance based payments are useful. This paper will not show special cases of performance-related pay (PRP) systems in the healthcare or in the public sector even though some of the arguments are transferable to them. The focus is on performance-related management compensation and its effects on motivation with some references to performance-based payments for employees. Besides the economic point of view the perspective of psychology will be noted because it seems like these two fields have different opinions on the impacts of monetary incentives.
First published in 1992, this title conducts an in-depth examination of the investment behaviour of pension funds, presenting the first econometric model in this area. Using the well-established framework of modern portfolio theory, David Blake derives a model of optimal portfolio behaviour that explains pension fund asset holdings in terms of the most important macroeconomic and cyclical indicators. He shows how factors such as industry profitability, the balance of payments and the monetary and fiscal policies of the government influence pension fund investments. Broad in scope, this reissue will be of particular value to students and academics with an interest in econometrics, investment analysis and the pension fund industry.
This distinctive book sets forth, on an advanced level, various methods for the quantitative measurement of important relationships at issue in areas of the balance of payments and international trade and welfare. The results achieved in recent studies are presented and the directions for new research are indicated. This book is composed of two main parts.Part I deals with the balance of payments and consists of the first half of the book. One of the longest and almost important chapters of this part talks about, at length the time-series analysis of the demand for imports and exports from the point of view of an individual country. This subject has a long and somewhat checkered history dating from the 1940's, when a number of estimates using least squares multiple regression methods were made of import and export demand functions for the interwar period. The noteworthy feature of many of these estimates was that they suggested relatively low price elasticities of demand in international trade. The implication was thus drawn that the international price mechanism could not be relied on for balance-of payments adjustment purposes.This book talks about the topics of theory and measurement of the elasticity of substitution in international trade, estimating the international capital movements, and forecasting and policy analysis with econometric models. Part II deals with international trade and welfare. While, there are many other books dealing with trade theory, this title focuses on a narrower range of topics that are not always mentioned or understood by individuals, such as the theory and measurement of trade dependence and interdependence, the analysis of the component factors a country has that affects how its export growth is over time, and the welfare effects of trade liberalizationThis book serves as a guide and reference work for economics graduate students, academicians, and practicing economists in private and governmental circles. They will find this book