Ökonomi & Finanzen

Cet ouvrage nous aide à comprendre qui est un jeune, son évolution et sa contribution dans le temps et dans l¿espace depuis les temps immémoriaux jusqüà nos jours. La définition de la jeunesse ne fait pas l¿unanimité, elle est multidimensionnelle dans le sens où elle tient compte de plusieurs facteurs pour sa compréhension, elle est perçue au double point de vue biologique et psychologique raison pour laquelle elle constitue une plus grande catégorie de la population.La RD Congo a connu son indépendance à partir du 30 juin 1960, devenu un Etat indépendant, souverain qui d¿un côté va s¿ouvrir aux autres soit par la coopération soit par l¿intégration dans les organisations régionales et internationales, et de l¿autre côté sa jeunesse qui jadis était fermée à sa propre culture traditionnelle, va s¿émanciper (droit à l¿autodétermination). Cette jeunesse, soucieuse de l¿avenir radieux de leur pays, continue de tout donné, espère vivre dans un milieu où régnera la dignité humaine, la paix, la justice sociale, le respect de droit de l¿homme, bref un Etat de droit et elle croient les obtenir.

The proliferation of digital technology and its integration into financial services have given rise to the emergence of virtual banking, representing a transformative shift in the banking landscape. This study delves into the determinants influencing the adoption of virtual banking within the Malaysian market. By employing a comprehensive research framework, encompassing technological, socio-economic, and regulatory factors, this research seeks to elucidate the multifaceted dynamics that shape the acceptance and utilization of virtual banking services among Malaysian consumers. Through a synthesis of empirical data and theoretical insights, this study contributes to a deeper understanding of the virtual banking adoption phenomenon in the Malaysian context, offering valuable implications for both practitioners and policymakers navigating the evolving financial ecosystem.

This book is designed for Financial Peace University® dropouts or those FPU graduates who need a little direction. If your Debt Snowball is Melting, your Emergency Fund needs to go to the ER, or if you tripped while trying to take some baby steps, then maybe this book can help.

I am interested in learning about the art of building and sustaining authentic relationships through the course titled 'Mastering Relationships.' This extensive manual provides valuable insights on how to effectively identify manipulative tactics, establish appropriate boundaries, and develop emotional intelligence. By studying carefully designed legislation and analyzing relevant legal precedents, you will acquire the necessary skills to effectively navigate the intricate landscape of human interactions. This will enable you to prioritize authentic empathy and establish significant connections that enhance both your personal and professional endeavors. If you are interested in improving your emotional resilience or enhancing your communication skills, the 'Mastering Relationships program can provide you with the tools and knowledge necessary to cultivate genuine connections that are resistant to manipulation.

Inside, you'll discover:The power of negotiation: Understand why negotiation skills are critical to your success as a real estate professional and how they can impact your bottom line.Researching the market: Learn how to conduct thorough market analysis, identify target properties, and assess their potential to make informed negotiation decisions.Building your negotiation strategy: Define your goals and leverage points, and discover how to assess your position for maximum advantage.Effective communication techniques: Master active listening, empathetic communication, and non-verbal cues to build rapport and influence outcomes.Financial analysis for negotiations: Gain insights into evaluating property value, potential return on investment, and analyzing market trends to make informed financial decisions.Handling challenging personalities: Develop techniques for dealing with tough negotiators, managing difficult individuals, and fostering a productive negotiation environment.Overcoming language and legal barriers: Learn how to navigate international real estate negotiations, understand cultural differences, and overcome language and legal challenges.But that's not all! "Real Estate Negotiation 101" also provides valuable lessons from successful real estate negotiators, case studies, and practical advice on adding value to your client service through negotiation expertise. You'll gain the skills and knowledge to navigate any negotiation scenario with finesse, professionalism, and ethical integrity.

Is someone you know thinking about moving to a retirement community? - These facts, suggestions, and narratives show you what to expect. -Loving Life in a Life Plan Community tells how to investigate, choose, and live in a Life Plan Community (LPC, also called a CCRC). Filled with details, advice, and stories, these pages show how you can live with dignity, independence, and health care for the rest of your life.It discusses housing options, makes suggestions about choosing a community, gives downsizing tips, and explores the future of LPCs. It also explains costs and contracts, the meaning of lifetime health services , and the business side of LPCs.Loving Life in a Life Plan Community lets you eavesdrop on dozens of conversations that reveal thoughts of life, love, relationships, work, and endings. It explores the intricacies of making one of the most significant decisions a family will ever face. The tone is friendly and knowledgeable. "The stories remind me of people I know. I'd fit right in!" "All the information about money was an eye-opener for me.""I hadn't realized how many housing options seniors have." "This book makes me feel ready to move into Senior Living."

À l'heure où les plateformes, les applications, les solutions d'intelligence artificielle et les robots promettent d'envahir notre quotidien, les travailleurs du numérique restent méconnus. Ce livre en propose une analyse, de la France à la Silicon Valley, abordant les organisations, petites et grandes, publiques et privées, formelles et informelles, qui portent et incarnent le modèle numérique. Les contributions rassemblées dans cet ouvrage rendent compte des aspirations, des méthodes de travail, de la manière de stimuler et tirer profit de l'innovation propre à ce milieu, et questionne leur effet d'attraction ai sein d'autres secteurs, telles que celui de l'éducation et de la santé. Elles soulignent les effets d'enchantement et de découragement suscités par les nouvelles technologies, l'expertise qu'elles mobilisent et les impasses auxquels elles ont aussi pu aboutir. En cela, cet ouvrage apporte une contribution pionnière et décisive à l'histoire d'un modèle devenu dominant pour le 21e siècle.

How bankers created the modern consumer credit economy and destroyed financial stability in the process

The world's largest company, Wal-Mart Stores, has revenues higher than the GDP of all but twenty-five of the world's countries. Its employees outnumber the populations of almost a hundred nations. The world's largest asset manager, a secretive New York company called Black Rock, controls assets greater than the national reserves of any country on the planet. A private philanthropy, the Bill and Melinda Gates Foundation, spends as much worldwide on health care as the World Health Organization. The rise of private power may be the most important and least understood trend of our time. David Rothkopf provides a fresh, timely look at how we have reached a point where thousands of companies have greater power than all but a handful of states. Beginning with the story of an inquisitive Swedish goat wandering off from his master and inadvertently triggering the birth of the oldest company still in existence, Power, Inc. follows the rise and fall of kings and empires, the making of great fortunes, and the chaos of bloody revolutions. A fast-paced tale in which champions of liberty are revealed to be paid pamphleteers of moneyed interests and greedy scoundrels trigger changes that lift billions from deprivation, Power, Inc. traces the bruising jockeying for influence right up to today's financial crises, growing inequality, broken international system, and battles over the proper role of government and markets.Rothkopf argues that these recent developments, coupled with the rise of powers like China and India, may not lead to the triumph of American capitalism that was celebrated just a few years ago. Instead, he considers an unexpected scenario, a contest among competing capitalisms offering different visions for how the world should work, a global ideological struggle in which European and Asian models may have advantages. An important look at the power struggle that is defining our times, Power, Inc. also offers critical insights into how to navigate the tumultuous years ahead.

Prosper Bangladesh undoubtedly requires continuous socioeconomic development and such type of development is a never ending process. Bangladesh has a visionary government which has a vision of making the country a developed one by 2041. To make the government vision a success, the country desperately needs development in every sector of the economy. As a student of Economics and gained real life experience working with the education sector for about 25 years, I am sharing my thoughts regarding the development of Bangladesh. Utilizing my meager knowledge and experience, I tried my level best to identify challenges regarding sustainable development of Bangladesh as well as identify the backbone of the country's development. I am confident that these may help other South Asian and African countries for their development.

In Homeowners Insurance Basics, Houston attorney Eric Dick draws on his extensive knowledge of homeowners insurance to explain the topic in a basic and easily understandable way. Dick uses his vast experience representing thousands of Texas homeowners whose insurance claims have been denied, delayed or underpaid to expose the pitfalls that lie within insurance policies and the tactics that insurance companies use to deny and underpay claims that could cost the insurance consumer thousands of dollars. Homeowners Insurance Basics is a resource for both the insurance consumer looking for a better understanding of their policy, as well as those who need an explanation of the claims process to fight insurance companies who may be operating in bad faith.

Have you ever wondered what will become of you in the future? Have you ever thought about what will happen to you and your finances when you can no longer work? Have you ever heard of pension plans? If the answer to any of these questions is yes, and regardless of your age, you should find out about pension plans, a tool that is said to be indispensable and that the government encourages so much, but... Is it really so indispensable? What is it and how is it structured? Is it worth getting one? I will give you the answer below, just keep on reading...

Vous êtes-vous déjà demandé ce qu'il adviendrait de vous dans l'avenir ? Avez-vous déjà pensé à ce qu'il adviendrait de vous et de vos finances lorsque vous ne pourrez plus travailler ? Avez-vous déjà entendu parler des régimes de pension ? Si la réponse à l'une de ces questions est oui, et quel que soit votre âge, vous devriez vous renseigner sur les plans de pension, un outil que l'on dit indispensable et que le gouvernement encourage tant, mais est-il vraiment si indispensable ? qu'est-ce que c'est et comment est-il structuré ? vaut-il la peine d'en souscrire un ? je vous donnerai la réponse ci-dessous, vous n'avez qu'à continuer à lire...

Já alguma vez se interrogou sobre o que será de si no futuro? Já pensou no que lhe acontecerá a si e às suas finanças quando já não puder trabalhar? Já ouviu falar de planos de pensões? Se a resposta a qualquer uma destas perguntas for sim, e independentemente da sua idade, deve informar-se sobre os planos de pensões, um instrumento que se diz indispensável e que o governo tanto incentiva, mas será assim tão indispensável? o que é e como está estruturado? valerá a pena adquirir um? Dou-lhe a resposta abaixo, só tem de continuar a ler...

Vi siete mai chiesti cosa ne sarà di voi in futuro? Avete mai pensato a cosa ne sarà di voi e delle vostre finanze quando non potrete più lavorare? Avete mai sentito parlare di piani pensionistici? Se la risposta a una di queste domande è sì, e indipendentemente dalla vostra età, dovreste informarvi sui piani pensionistici, uno strumento che si dice indispensabile e che il governo incoraggia tanto, ma è davvero così indispensabile? Cos'è e come è strutturato? Vale la pena di prenderne uno? Vi darò la risposta qui di seguito, non vi resta che continuare a leggere...

Debido que los nuevos paradigmas de producción, se extienden transformando el mundo en una fábrica global lo que involucra la propia cultura, modelos políticos socio culturales y la gestión del conocimiento como herramientas que coadyuven a enfrentar los desafíos que ello representa; en ese proceso de globalización, el trabajo y el trabajador pierden cada vez más su carácter individual y local, haciéndose colectivos por su dimensión y sus significados.

The economic theory of international trade differs from the remainder of economic theory mainly because of the comparatively limited international mobility of the capital and labor. In that respect, it would appear to differ in degree rather than in principle from the trade between remote regions in one country. Thus the methodology of international trade economics differs little from that of the remainder of economics. However, the direction of academic research on the subject has been influenced by the fact that governments have often sought to impose restrictions upon international trade, and the motive for the development of trade theory has often been a wish to determine the consequences of such restrictions. The branch of trade theory which is conventionally categorized as "classical" consists mainly of the application of deductive logic, originating with Ricardo's Theory of Comparative Advantage and developing into a range of theorems that depend for their practical value upon the realism of their postulates. "Modern" trade analysis, on the other hand, depends mainly upon empirical analysis.

Industrial Economics also gives insights into how firms organize their activities, as well as considering their motivation. In many micro courses, profit maximization is taken as given, but many industrial economics courses examine alternative objectives, such as trying to grow market share.There is also an international dimension ¿ firms have the option to source inputs (or outsource production) overseas. As such, while industrial economics more frequently uses skills and knowledge from micro courses, macroeconomic concepts are sometimes employed.One of the key issues in industrial economics is assessing whether a market is competitive. Competitive markets are normally good for consumers (although they might not always be feasible) so most industrial economics courses include analysis of how to measure the extent of competition in markets. It then considers whether regulation is needed, and if so the form it should take. There is again an international dimension to this, as firms that operate in more than one country will face different regulatory regimes.

The treatment of dentofacial deformities has come a long way since 1897 when Vilray Blair, with Edward Angle¿s coaxing, completed bilateral body osteotomies under chloroform anaesthesia to setback a prognathic mandible and establish an improved occlusion. Malpositioned teeth or obvious jaw deformities are usually recognised by people, and they seek orthodontist for treatment. More severe deformities that require a combination of orthodontics and surgery for correction are called dentofacial deformities. The American Academy of Orthodontics (AAO) describes orthodontia as an area of dentistry that prevents, diagnoses and treats dental and facial irregularities. Different types of appliances are used to correct the dental deformities by slowly moving the teeth and retraining muscles. Orthognathic surgery: Combined orthodontic and surgical correction is considered the best treatment modality for dentoskeletal imbalances once growth has ceased. Although orthognathic surgery is associated with certain risks and challenges, it has become a more refined and less traumatic procedure for patients and therefore has become a reasonable treatment option.

Zadumywalis' li wy kogda-nibud' o tom, chto budet s wami w buduschem, chto budet s wami i washimi finansami, kogda wy bol'she ne smozhete rabotat'? Slyshali li wy kogda-nibud' o pensionnyh programmah? Esli na lüboj iz ätih woprosow Vy otwetili "da", i nezawisimo ot Vashego wozrasta, Vam sleduet uznat' o pensionnyh planah - instrumente, kotoryj, kak goworqt, nezamenim i kotoryj tak pooschrqetsq prawitel'stwom, no dejstwitel'no li on tak nezamenim? chto äto takoe i kak on ustroen? stoit li ego oformlqt'? Ya dam Vam otwet nizhe, Vam nuzhno tol'ko prodolzhit' chtenie...

All other natural fibres that are relevant to technology, excluding silk, are obtained as staple fibers. The average length of staple fibres is distinctive. In order to increase the friction between the individual fibres and create a staple fibre yarn, fibres are entangled during the spinning process, such as through rotation. Ring spinning, open-end spinning, friction spinning, and air jet spinning are some of the methods used to add the necessary number of turns per length to a spun yarn. The technology employed for spinning will determine a yarn¿s properties. Yarn manufacturing involves several key steps. First, fibres are chosen and sorted according to their desired properties. Fibres are then straightened, and contaminants are removed by cleaning, carding, and combing. Carded fibres are pulled, twisted, and spun to create the required type and thickness of the yarn.

O estudo observa o cenário atual do setor produtivo da erva-mate na região do Município de União da Vitória, Estado do Paraná, abordando a produção e processamento da erva mate (Ilex paraguariensis A.St. Hil). Atualmente, a erva-mate é cultura fundamental, sendo o principal produto não madeireiro do agronegócio florestal na região de estudo. A produção de erva-mate ocorre em estabelecimentos agropecuários familiares, em pequenas propriedades rurais, com trabalho majoritariamente familiar. Com histórico extrativista, o cultivo de erva-mate no Brasil tem pouco aporte tecnológico em comparação com outras culturas, em todas as suas fases de produção, desde o cultivo das mudas, passando pelos processos de produção e industrialização. É observada a baixa adoção de tecnologias ou baixa tecnificação dos ervais. Muitas práticas e tecnologias não são aplicadas no processo produtivo da erva-mate, o que limita fortemente a obtenção de produtividade e qualidade do produto. Embora os avanços tecnológicos e científicos já existam, enfrentam dificuldades para serem multiplicados e transferidos à comunidade ervateira e demoram a ser assimilados no processo exploratório da erva-mate.

Haben Sie sich jemals gefragt, was aus Ihnen in der Zukunft wird? Haben Sie jemals darüber nachgedacht, was mit Ihnen und Ihren Finanzen passiert, wenn Sie nicht mehr arbeiten können? Haben Sie jemals von Rentenplänen gehört? Wenn Sie eine dieser Fragen mit "Ja" beantwortet haben, sollten Sie sich unabhängig von Ihrem Alter über die Altersvorsorge informieren, ein Instrument, das angeblich unverzichtbar ist und von der Regierung so sehr gefördert wird, aber ist es wirklich so unverzichtbar? was ist es und wie ist es strukturiert? lohnt es sich, eines abzuschließen?

This book focuses on our increasing dependence upon Big Tech to live, manage, and enjoy our lives. The author examines how we freely exchange our personal data for access to online platforms, services, and devices without proper consideration of the implications of this trade. Our personal data is the defining resource of the emerging digital economy, and it is increasingly concentrated in a few data enclaves controlled by Big Tech firms, cementing an increasingly parasitic form of technoscientific innovation. Big Tech controls access to these data, dictates the terms of our use of their services and products, and controls the future development of key technologies like artificial intelligence. The contention of this book is that we need to rethink our political and policy approach to data governance and to do so requires unpacking the peculiarities of personal data and how personal data are transformed into a valuable asset.

Cryptocurrencies, stablecoins and central bank digital currency open uncharted territory for the nascent economics of new digital money. This Pivot addresses the foundations of the monetary problem raised by Bitcoin and followers, starting with the game theory of Proof-of-Work as rent-seeking contest and a lively account of the different ways of trust that blockchain solutions and monetary institutions are meant to face. In so doing, the authors introduce the relevance of safe assets under the light of the principle of ¿no questions asked¿ that characterizes the monetary problem of the 2020s. Principles for regulation emerge in the perspective in which private issuers of digital coins are essentially issuers of demand deposits, and therefore bank-like entities. The potential role of central bank digital currency in the future monetary system is thoroughly discussed. Students and researchers in economics and finance, professionals and sophisticated readers may consider this book an essential guide to the challenging new dimensions of digital money.

Introduction to Urban EconomicsWelcome to the fascinating world of urban economics! In this subchapter, we will delve into the fundamental concepts and principles that underpin the economic environment of our cities. Whether you are a student, a professional, or simply curious about the dynamics of urban economies, this introduction will provide you with a solid foundation to navigate the urban economic landscape.Urban economics is the study of how cities function and the economic forces that shape them. Every day, millions of people interact with the urban environment, whether through work, housing, transportation, or leisure activities. Understanding the economic factors that drive these interactions is crucial to comprehending the complexities and opportunities that cities offer.One of the key aspects of urban economics is the concept of agglomeration. Cities are not just random clusters of people and buildings; they are centers of economic activity that attract individuals, firms, and industries. The agglomeration effect arises from the benefits that result from proximity and density, such as increased productivity, knowledge spillovers, and a wider range of goods and services. By understanding how agglomeration shapes urban economies, we can better grasp the dynamics of urban growth and development.Moreover, urban economics explores the role of land and real estate in cities. Land is a finite resource, and its scarcity in urban areas gives rise to unique economic phenomena, such as skyrocketing property prices and the need for efficient land-use planning. The intricate relationship between land, housing markets, and the allocation of resources is a crucial aspect of urban economics, with significant implications for both individuals and policymakers.Transportation is another vital component of urban economics. Efficient transportation systems are the lifeblood of cities, enabling the movement of goods, services, and people. The study of transportation economics provides insights into the challenges of urban mobility, congestion, and the design of sustainable transportation networks.Lastly, urban economics also encompasses the examination of urban inequality and poverty. Cities are often characterized by stark disparities in income, education, and access to opportunities. Understanding the root causes of urban inequality and devising effective policies to address these challenges are essential for creating inclusive and vibrant cities.