Ökonomi & Finanzen

What the hell is going on? Why are cities, governments, and even countries going bankrupt, rather than simply individuals? What is causing protesters to take to the streets and shoppers to resort to violence? Why has the weather become so extreme? The world has gotten out of hand. What do you do when confronted with seemingly insurmountable problems? You have the power to change your life! Dr. James B. Richards reveals the singular problem and simple solution to the world's troubles in this must-read book. What is the issue? Codependency. What is the solution? Believe God and disregard everything else."This book is about regaining control of your life by identifying and overcoming all codependency tendencies." As you peel back the layers of emotional addiction, you will discover a liberation you have never felt before. "You will become a beacon of light in a dark world." When people change, the world changes. When people transform, they discover a new realm known as God's Kingdom, where justice, peace, and joy reign. This dimension exists within your heart. When you stop looking out there, you may look "in there" and find the world you've always wanted." James B. Richards, M.D.

In today's rapidly changing world, the importance of environmental conservation cannot be overstated, especially in the field of engineering. Engineers play a crucial role in designing, constructing, and maintaining the infrastructure that supports our modern way of life. However, this progress often comes at a cost to the environment, leading to the depletion of natural resources, pollution, and habitat destruction.As engineers, we have a responsibility to find innovative and sustainable solutions that minimize our impact on the environment. By integrating environmental conservation into our practices, we can restore the balance and create a more sustainable future for generations to come.One of the key reasons why environmental conservation is vital in engineering is the need to preserve natural resources. Many engineering projects, such as the construction of buildings, roads, and bridges, require significant amounts of materials like timber, concrete, and steel. By adopting sustainable practices, engineers can reduce the demand for these resources and promote their conservation. This can be achieved through the use of recycled materials, energy-efficient designs, and the implementation of renewable energy sources.Furthermore, environmental conservation in engineering is essential for mitigating pollution. Industrial activities and the use of fossil fuels for energy generation are major contributors to air and water pollution. Through the development and implementation of cleaner technologies, engineers can reduce emissions, improve waste management systems, and protect the quality of our air and water resources.Another vital aspect of environmental conservation in engineering is the preservation of biodiversity and ecosystems. Engineering projects often require land development, which can result in the destruction of natural habitats. By incorporating environmental impact assessments and adopting sustainable land-use practices, engineers can minimize the disturbance to ecosystems and protect endangered species.Moreover, environmental conservation is closely linked to the well-being of communities. Climate change, caused in part by human activities, poses significant risks to human health and safety. Engineers can play a crucial role in developing resilient infrastructure that can withstand extreme weather events, reducing the vulnerability of communities and ensuring their long-term sustainability.

Smart Ways to Manage Your Money: A Guide to Financial Intelligence is a comprehensive guide to mastering your personal finances. It covers everything from budgeting and saving to investing and retirement planning. Written in a clear and easy-to-understand style, the book is packed with practical tips and advice that can help you achieve your financial goals.One of the key takeaways from the book is that financial intelligence is not about being a math genius or having a lot of money. It's about understanding how money works and developing the skills and habits necessary to manage it effectively.The book begins by discussing the importance of having a financial plan. A financial plan is a roadmap that will help you reach your financial goals, whether they're short-term, like saving for a down payment on a house, or long-term, like retiring comfortably.Once you have a financial plan, you need to start tracking your spending. This will help you identify where your money is going and make necessary adjustments to your budget. The book provides several tips on how to track your spending, including using a budgeting app or creating a simple spreadsheet.Once you know where your money is going, you can start to save. The book discusses the importance of saving for emergencies, as well as for long-term goals like retirement. It also provides tips on how to save money on everyday expenses, such as groceries and transportation.

If you want to learn how investors can create significant wealth in multifamily real estate, Multifamily Apartment Syndications is the book for you!Veteran real estate investor and syndicator Chris Roberts, a passionate proponent of the investment potential of multifamily real estate, draws on his extensive experience making money for himself and his investors in the sector to explain how he invests in multifamily value-add projects.In this book, you will discover:How to create and build a real estate company to purchase and renovate existing multifamily properties.What you need to know about sourcing and negotiating multifamily deals with high profit potential.Why Class C properties can offer significant upside potential for investors who renovate these types of apartment complexes.A step-by-step description of how Sterling Rhino Capital, Roberts company, purchased, renovated and sold a Class C multifamily property for a ROI substantially greater than anticipated.The type of terms savvy investors seek when engaging in contract negotiations with a property seller.How to work with contractors to get a rehab done on time and within budget.Steps to take to help maximize the price you get when selling a multifamily property.How to work with investors to amplify your ability to purchase multifamily properties.The book provides a comprehensive recipe for learning the skills necessary to purchase, rehab and sell value-add multifamily property. It includes the story of how Roberts went from earning uninspiring returns in the stock market to making substantial sums of money running a real estate company investing in multifamily apartment buildings.Roberts explains how he started in real estate buying, rehabbing and selling single family homes before expanding into multifamily properties. He also covers the benefits real estate offers investors as an asset class. These include: the ability to earn monthly income from rent payments, tax benefits in the form of depreciation, and the possibility of capital gains if the property increases in value.Multifamily Apartment Syndications demystifies the process of investing in value-add multifamily real estate, making it a compelling read for anyone interested in learning how investors can profit from this asset class.

Introducing our NMLS Study Guide: 3 Full Length MLO Practice Tests and NMLS SAFE Mortgage Loan Originator Exam Content! Trivium Test Prep's NMLS Study Guide includes everything you need to pass the NMLS MLO Exam the first time.Quick review of the concepts covered on the NMLS SAFE Mortgage Loan Originator Exam3 full practice tests with detailed answer explanationsTips and tricks from experienced Loan OriginatorsTrivium Test Prep's NMLS Study Guide is aligned with the official NMLS SAFE Mortgage Loan Originator Exam framework. Topics covered include: Federal Mortgage-Related LawsOther Mortgage Laws and AuthoritiesQualified and Non-Qualified Mortgage ProgramsMortgage Loan Products and TermsLoan Inquiry and Application ProcessQualification Processing and UnderwritingClosingFinancial Calculations Used in Mortgage LendingEthicsUniform State Content NMLS & NMRC were not involved in the creation or production of this product, are not in any way affiliated with Trivium Test Prep, and do not sponsor or endorse this product.

"How to Adapt and Do Well in a Digital Economy: The Future of Work" by Dimitri is an interesting book about how to do well in the digital age, where things change quickly. This book gives readers the information and tips they need to succeed in the constantly changing world of work by focusing on the most popular keywords in today's job market.Learn how to use digitalization, robotics, and artificial intelligence to your advantage as you look into how they are changing the global economy. Find out about the skills and knowledge that are needed in the digital economy. These include digital literacy, tech skills, and "soft skills" like emotional intelligence. Dimitri talks about the gig economy, online and hybrid work models, and how important it is to be flexible and keep learning.This book shows how important it is to have a strong online identity, network, and create a personal brand in the digital world. It talks about how to organize your time well, use communication and teamwork tools, and find a good work-life balance when you work from home.As businesses get used to these changes, readers will learn more about the main factors that are causing digital transformation, how it affects traditional industries, and the chances and problems that lie ahead. People who want to do well in the digital economy can use the tips, real-life case studies, and road map in "How to Adapt and Do Well in a Digital Economy: The Future of Work." Use this important tool to shape your job and get ready for the future of work.

In this book, as a statistician cum entrepreneur he has brewed his lifelong learning experiences through the lens of statistics. In short, it answers how statistics can help win the battle of a Startup.If you do not want to do an MBA but are planning a Startup, you are at the right place. This book includes interesting sketches to convey ideas and at the same time build a strong foundation for Startups. This book has all the secrets you need to succeed. Concepts like the smoke test, usability test, hypothesis test, biasedness, productivity, raising successful VC/angels and experiments are some of the topics that are covered in detail. Why this book is worth your time and attention?· How to manage yourself while preparing for a Startup? How to get the perfect T shape.· A strong foundation of entrepreneurship if unknown, can sink your ship!· Funny sketches that reveal the concepts.· You always wondered, why 90% of Startups fail and only a few succeed.· Practical use of Statistics in Startups like A-B testing, surveys, market research, etc.

"Disclosing Fortune Heists: Narratives of Wealth" is an enamoring scholarly excursion that dives profound into the universe of high-stakes heists, where adrenaline-siphoning experiences and old secrets merge. In this thrilling investigation of trying tricks, stowed away fortunes, and amazing characters, perusers are shipped to a domain where sly driving forces conflict with persevering fortune trackers. The account starts with a powerful charm - the appeal of untold wealth and the bold heists that guarantee them. Through careful examination and clear narrating, the book reveals insight into the most bold, baffling, and nervy fortune heists from the beginning of time. Every section discloses the accounts behind incredible robberies, from the guile plans of workmanship cheats who appropriate precious magnum opuses to the adrenaline junkie exploits of privateers who pillaged treasures on the high oceans. While the book takes perusers on a globe-running experience, from the clamoring roads of Paris to the far off islands of the Caribbean, it likewise investigates the personalities of the people behind these heists. These driving forces, frequently splendid and mysterious, show some signs of life through striking person draws. Their inspirations, their dauntlessness, and their definitive destinies give an exciting background to the tales of their bold robberies. "Disclosing Fortune Heists" likewise dives into the fastidious analyst work and policing that have been utilized to find these finesse hoodlums. The feline and-mouse pursue among criminals and specialists is a focal subject that adds a component of tension and interest to the story. The book, nonetheless, isn't just about the crook brains and the policing. It's about the appeal of the actual fortune, the set of experiences behind it, and the social meaning of what's been taken. For each situation, the taken fortunes are not only objects of money related esteem but rather images of history, craftsmanship, and culture. "Divulging Fortune Heists: Narratives of Wealth" is an entrancing odyssey for history buffs, experience searchers, and those interested by the obscured lines among dauntlessness and sly. It gives a complete and exciting record of high-stakes heists and the persevering quest for subtle wealth, making it an extraordinary expansion to the universe of genuine wrongdoing writing. Whether you are an easy chair globe-trotter or a yearning detective, this book vows to leave you bolted and captivated with each page you turn.

As a startup lawyer, many questions arise along the way from identifying a problem or a niche to the maturity of the company, when there is a product or service ready to be put on the market. This book is a compilation of these doubts, designed to offer guidance in more accessible language, both for entrepreneurs already involved in a business and for you, the dreamer, who wants to create your startup.

V knige rassmatriwaetsq wzaimnaq swqz' mezhdu dwizheniem naseleniq i obschim social'no-äkonomicheskim razwitiem. Osnownoe wnimanie udeleno semantike, swqzannoj s nazwaniem, wydeleny razlichnye traktowki ponqtij "demografiq i razwitie", wyqwleny ih logicheskie i prakticheskie swqzi. V zaklüchenie priwoditsq kratkij obzor rqda klüchewyh sektorow, w kotoryh mozhet proqwit'sq wzaimowliqnie demografii i razwitiq, a imenno obrazowaniq, zdrawoohraneniq i äkonomicheskogo rosta.

The current study investigates the impact of sustainable practices on employee motivation and commitment, specifically among Generation Z employees in the European Union. The literature review highlights the potential positive effects of sustainability on employee job satisfaction, loyalty, and engagement in sustainable practices. The study employs an explanatory sequential mixed methods approach, with quantitative data collected first and qualitative data collected second to explain the quantitative results. The quantitative phase involves primary data collection from Generation Z employees in the EU to test the relationship between the sustainable practices of an organization and employee motivation and commitment. The qualitative phase involves structured online interviews with experts in the field to interpret the quantitative results further. The study's findings indicate that sustainability is not the only factor influencing Generation Z employees' motivation and commitment at work. Other factors such as salary, personal development, work-life balance, respect, and responsibility are also important.

La investigación se desarrolla con el objetivo de establecer si el registro de los conocimientos tradicionales de las comunidades nativas del Pueblo Kichwa de San Martín contribuyen con su desarrollo sostenible, esto a partir de la recolección de datos de representantes de tres comunidades nativas del la provincia de Lamas y expertos en registro de conocimientos tradicionales. Los resultados resaltantes destacan la identificación del derecho al desarrollo como punto de partida para el ejercicio de los demás derechos humanos tales como: la protección a la biodiversidad como derecho ha conllevado a implementar acciones de conservación y protección de esta; la identidad cultural mediante el autoreconocimiento, libre organización, dominio territorial y registro de conocimientos tradicionales; la reducción de desigualdades. En resumidas cuentas, el registro de conocimientos tradicionales contribuye de manera parcial para el derecho al desarrollo de las comunidades nativas, puesto que su contribución no se realiza de manera consciente e informada, sino es como consecuencia de acciones del Estado o privados aisladas sin identificación de los conocimientos tradicionales.

Throughout history Leftist ideas have often championed noble ideals like liberty, equality, and fraternity. Yet, a closer look reveals that these seemingly enlightened concepts have been accompanied by tyranny, oppression, and even genocide. This book critically examines the core beliefs of the Leftist intelligentsia, focusing on the works of Antonio Gramsci and Norberto Bobbio. It unveils the hidden pretexts for political violence and terrorism concealed behind the moderate façade of Leftist discourse.This work delves into three interconnected hypotheses:a. Leftist tendencies contain intrinsic distortions that have fuelled political violence for centuries.b. Political violence is, to some extent, rooted in the epistemological foundations of Leftist ideologies.c. The evolution of Leftist ideology is often mirrored by the evolution of mechanisms for political violence. The research also explores the subjectivization of political violence, the global rise of terrorism, and the surge of anti-American and anti-Western ideologies.

L¿influence mutuelle du film policier et de la littérature n¿est plus à contester et nombreux sont les débats qui s¿y sont intéressés depuis la réflexion de l¿adaptation des films, à partir du roman de genre policier. S¿intéresser à l'adaptation des romans policiers à l'écran ou du filmique à la bande dessinée s'élargit aussi à l'étude des thèmes variés et divers. Pour ce faire, une approche plurielle permet de souligner les enjeux, les difficultés et les limites rencontrées dans le cadre de ce phénomène de transmédialité de genre policier à travers le présent recueil : d'abord, du roman policier au film, ensuite, du film à la bande dessinée.

DIE PUBLIKATION IMMOBILIEN DES JAHRES VERSAMMELT AKTUELLE PROJEKTE IM BEREICH ARCHITEKTUR UND GEBÄUDEPLANUNG: Bauten mit hohem architektonischem. Anspruch, die sich in der Planung befinden oder noch nicht abgeschlossen sind. Jährlich werden die besten geplanten Projekte anhand ihrer Konzepte geehrt. Die beteiligten Planer:innen und Auftraggeber:innen erreichen so die Entscheidungsträger:innen ihrer Branche. Für alle Architekt:innen, Bauherr:innen, Makler:innen, Käufer:innen, Mieter:innen und am Baugeschehen Interessierte entsteht so ein Panorama des Immobilienmarktes, seiner Trends und Veränderungen.

This book traces how the student loan system has created insurmountable student debt traps for millions of student borrowers contrary to its original purpose of promoting social mobility. Today, approximately 45 million Americans hold over $1.7 trillion in student loan debt, with over 20% of borrowers in default. Student loan debt has the greatest negative impact of wealth-poor students, with Black and first-generation students less likely to attain a college degree, more likely to default on student loan debt, and less likely to gain the same type of wage premium from their college degrees than white student loan borrowers. The book also offers a wide range of policy solutions for remedying the student loan debt crisis.

This book is Volume II of a two-volume set on antitrust policy, analyzing the economic efficiency and moral desirability of various kinds of antitrust-policy-coverable conduct and various possible government responses to such conduct, including US and EU antitrust law. The overall study consists of three parts. Part I (Chapters 1-8) introduces readers to the economic, moral, and legal concepts that play important roles in antitrust-policy analysis. Part II (Chapters 9-16) analyzes the impacts of eight types of conduct covered by antitrust policy and various possible government responses to such conduct in terms of their economic efficiency, their impact on liberal moral rights, and their instantiation of various utilitarian and other egalitarian conceptions of the moral good. Part III (Chapters 17-18) provides detailed information on US antitrust law and EU competition law and compares the extent to which¿when correctly interpreted and applied¿these two bodies of law could increase economic efficiency, protect liberal moral rights, and instantiate various morally defensible conceptions of the moral good. This second volume contains the last 6 chapters of Part II, which focus respectively on horizontal (M&A)s, conglomerate (M&A)s, surrogates for vertical integration, vertical (M&A)s, joint ventures, and internal growth and Part III, which focuses on US antitrust law and EU competition law. The book will appeal to undergraduate and graduate students of economics and law who are interested in welfare economics, antitrust policy, and The General Theory of Second Best.

»Upstream Securities of a German Limited Liability Company within the System of Capital Maintenance and Solvency Protection Law. With a Particular Focus on Contractual Realisation Restrictions through Limitation Language«: The study places the collateralisation of a shareholder loan with the assets of a German Limited Liability Company in the system of capital maintenance and solvency protection law as amended by the MoMiG and most recently by the SanInsFoG. Based on this, the study analyses the hitherto scarcely researched mode of operation of regularly agreed realisation restrictions through so-called limitation language and answers the question of their effectiveness, necessity and expedient structure.

L'utilisation des nouvelles technologies dans l'exercice pratique des cours de droit, dans le profil de l'activité financière, contribue à la formation complète du futur diplômé en droit. Il est donc essentiel que les étudiants acquièrent des compétences dans l'utilisation des techniques et des méthodologies informatiques et qu'ils les utilisent de manière appropriée dans la recherche d'informations en matière financière, en particulier dans le domaine de la fiscalité.

A utilização das novas tecnologias no exercício prático das aulas de Direito, no perfil da atividade financeira, contribui para a formação integral do futuro licenciado em Direito. É, pois, de vital importância que os alunos adquiram competências na utilização de técnicas e metodologias informáticas e, assim, as utilizem adequadamente na pesquisa de informação em matéria financeira, nomeadamente na área da fiscalidade.

L'uso delle nuove tecnologie nell'esercizio pratico delle lezioni di diritto, nel profilo dell'attività finanziaria, contribuisce alla formazione completa del futuro laureato in legge. È quindi di vitale importanza che gli studenti acquisiscano competenze nell'uso di tecniche e metodologie informatiche e le utilizzino quindi in modo appropriato nella ricerca di informazioni in materia finanziaria, in particolare nel settore fiscale.

Ispol'zowanie nowyh tehnologij na prakticheskih zanqtiqh po prawu, po profilü finansowoj deqtel'nosti, sposobstwuet wsestoronnej podgotowke buduschego wypusknika üridicheskogo fakul'teta. Poätomu krajne wazhno, chtoby studenty owladeli nawykami ispol'zowaniq komp'üternoj tehniki i metodik i, sootwetstwenno, prawil'no primenqli ih pri poiske informacii po finansowym woprosam, osobenno w oblasti nalogooblozheniq.