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are you tired of bad credit would you like to improve your credit gain financial freedom stop debt collectors and live comfortable if so keep reading?People who say credit repair doesn't work are the people who are going about it the wrong way, the amateur's way. If you want to achieve maximum success in getting mistakes of the past deleted and restoring your good name so that you can qualify for the best loans at the lowest rates, then you need to follow the same steps taken by attorneys and certified credit consultants."How do they do that?" people ask. This book reveals the answers, the details, and the steps you can take to repair your own credit in a manner that is legal and effective.Unless you just won the lottery and plan to pay cash for everything for the rest of your life, you need excellent credit and a high FICO score to get respect and qualify for the best financing, credit cards, and insurance rates.in this series you will you'll get the motivation and know-how for building up a big stash of emergency cash, getting out of debt, making sure you never run out of money, and avoiding the 11 worst budget traps (that'll ruin your financial plans if you let them!)Find out the most important things that you can do to take control of your money and pay off debt. Get the budget how-to, tools, and knowledge you need to finally get ahead. You'll learn a complete budget system that works for beginners.
Sovereign Debt and Credit Rating Bias rejects the notion that credit rating agencies' rigorous and transparent determination of ratings leaves no room for bias, and debunks the myth that the value CRAs place on their reputational capital precludes prolonged biases. To determine the extent of CRAs' biased actions, Tennant and Tracey apply a rigorous methodology to a well-established economic model of the determinants of sovereign debt quality. They present strong evidence of bias against poor countries and demonstrate how biased rating changes could disadvantage such countries and the companies operating therein as they seek access to international capital markets. They discuss plausible explanations for the bias and suggest remedial measures that would help ensure balance in credit rating changes. This book fills an important gap by rigorously examining a long-standing but often ignored concern about the rating practices of credit rating agencies.
This book is a comprehensive introduction to financial modeling that teaches advanced undergraduate and graduate students in finance and economics how to use R to analyze financial data and implement financial models. This text will show students how to obtain publicly available data, manipulate such data, implement the models, and generate typical output expected for a particular analysis.This text aims to overcome several common obstacles in teaching financial modeling. First, most texts do not provide students with enough information to allow them to implement models from start to finish. In this book, we walk through each step in relatively more detail and show intermediate R output to help students make sure they are implementing the analyses correctly. Second, most books deal with sanitized or clean data that have been organized to suit a particular analysis. Consequently, many students do not know how to deal with real-world data or know how to apply simple data manipulation techniques to get the real-world data into a usable form. This book will expose students to the notion of data checking and make them aware of problems that exist when using real-world data. Third, most classes or texts use expensive commercial software or toolboxes. In this text, we use R to analyze financial data and implement models. R and the accompanying packages used in the text are freely available; therefore, any code or models we implement do not require any additional expenditure on the part of the student.Demonstrating rigorous techniques applied to real-world data, this text covers a wide spectrum of timely and practical issues in financial modeling, including return and risk measurement, portfolio management, options pricing, and fixed income analysis.
The Space Value of Money introduces a fresh and innovative perspective on sustainability and finance. It expands our financial value framework, heretofore built around risk and time, by factoring in space, as an analytical dimension and our physical context. The proposed principle and metrics entrench our responsibility for space impact into our value equations, making finance inherently sustainable and acting as a theoretical bridge between core finance theory and the growing field of sustainable finance or ESG integration. The book offers a novel approach to value design, measurement, and creation, discussing the theoretical, mathematical, institutional, technological and data elements of the transformation.The Space Value of Money principle and metrics offer us the opportunity to adjust our financial value framework and transform human productivity in line with our sustainability targets. They also enable the design and engineering of the financialinstruments that can help us address our evolutionary challenges/investment, like the transition to Net Zero.¿Every once in a while, a book comes along that makes a fundamental contribution that is both profound and practical. A book that every member of the National Space Council, including the NASA Administrator and the Space Force chief of space operations should read. The Space Value of Money will be of interest to ESG and impact investors, government regulators, financial theorists, and outer space enthusiasts.¿ ¿Lt Col Peter Garretson, Senior Fellow in Defense Studies at the American Foreign Policy Council¿No doubt, the pressing environmental challenges we face make the concept of the space impact of investments even more compelling.¿ ¿Dr. Pascal Blanqué, Chairman of Amundi Institute, Former Group CIO of Amundi Asset Management¿The Space Value of Money brings much needed conceptual rigour, whilst further advocating the case for a new paradigm shift in financial valuation. This work gives us the lasting frameworks that aggregate impact across all spatial dimensions. Dr. Papazian culminates over ten years of research in this rich book, providing the springboard for further innovation and system implementation in this area.¿ ¿Domenico Del Re, Director, Sustainability and Climate Change, PwC¿Enthralling and captivating. Papazian offers a clear, thorough, and comprehensive discussion. The Space Value of Money gives us an opportunity to reframe our thinking and to explore what is possible. A great read!¿ ¿Daud Vicary, Founding Trustee of the Responsible Finance and Investment Foundation¿Armen has developed a novel way to create financial models that are better suited to dealing with the many parameters required if we are to properly consider environmental factors and sustainability in economics and finance. I have found this engaging andlook forward to seeing its future use.¿ ¿Dr. Keith Carne, First Bursar, King¿s College, Cambridge University
Fachbuch aus dem Jahr 2017 im Fachbereich BWL - Unternehmensführung, Management, Organisation, Note: 1,7, AKAD University, ehem. AKAD Fachhochschule Stuttgart, Veranstaltung: Requirements Engineering und Risikomanagement, Sprache: Deutsch, Abstract: ¿Nichts geschieht ohne Risiko, aber ohne Risiko geschieht auch nichts.¿ Dieses Zitat stammt von dem ehemaligen Bundespräsidenten Walter SCHEEL. Seine Aussage impliziert, dass jeder Handlung sowohl Chancen als auch Risiken innewohnen. Diese Tatsache stellt gerade Entscheidungsträger in Unternehmen vor die anspruchsvolle Aufgabe, Risiken und Chancen von Handlungen frühzeitig zu identifizieren und in ihrer Entscheidungsfindung zu berücksichtigen. ¿Risiken und Chancen sind in jedem Unternehmen ¿ wenn auch nicht immer offensichtlich ¿ vorhanden.¿ Das aktuelle Umfeld für Unternehmen zeichnet sich nicht nur durch hohe Dynamik des wirtschaftlichen, gesellschaftlichen und technologischen Wandels aus, auch die wachsende Internationalisierung der Märkte sowie immer höher werdende Kundenansprüche müssen bei strategischen Planungen berücksichtigt werden. Entscheidungsträger sehen sich durch die Vielzahl der Einflussfaktoren mit kontinuierlich wachsender Unsicherheit, Komplexität, Informationsbeschaffung und Verantwortung konfrontiert, welche in einem Risikomanagementsystem Beachtung finden müssen. Durch eine strukturierte Vorgehensweise sowie des organisatorischen Rahmens stellt die ISO 31000:2009 den bedeutendsten Standard zum Aufbau von Risikomanagementsystemen dar. Aufgrund dessen dient die ISO 31000:2009 in dieser Ausarbeitung als Grundlage um Risikomanagement, anhand des in der Norm integrierten Risikomanagementprozesses zu präsentieren. Dazu werden zunächst im ersten Kapitel die theoretischen Grundlagen erläutert. Hier befassen wir uns mit der Frage, was unter Risiken zu verstehen ist. Zusätzlich betrachten wir das Risikomanagement im Allgemeinen mit dem Ziel, ein tieferes Verständnis zu schaffen und auch seine Bedeutung für Unternehmen einzuordnen. Im dritten Kapitel widmen wir uns der ISO 31000:2009. Hier befassen wir uns zunächst mit der Einordnung der Norm sowie dem integrierten Risikomanagementsystem, bevor wir den Risikomanagementprozess betrachten. Dieser wird anschließend erläutert und die einzelnen Prozessschritte definiert. Um ein tieferes Verständnis zu schaffen, wird der Risikomanagementprozess anhand des fiktiven Unternehmens BABYCAR GmbH demonstriert. Abschließend werden im letzten Kapitel die Erkenntnisse dieser Ausarbeitung zusammengefasst.
Impending technological advances will widen an adversary's attack plane over the next decade. Visualizing what the future will hold, and what new threat vectors could emerge, is a task that traditional planning mechanisms struggle to accomplish given the wide range of potential issues. Understanding and preparing for the future operating environment is the basis of an analytical method known as Threatcasting. It is a method that gives researchers a structured way to envision and plan for risks ten years in the future. Threatcasting uses input from social science, technical research, cultural history, economics, trends, expert interviews, and even a little science fiction to recognize future threats and design potential futures. During this human-centric process, participants brainstorm what actions can be taken to identify, track, disrupt, mitigate, and recover from the possible threats. Specifically, groups explore how to transform the future they desire into reality while avoiding an undesired future. The Threatcasting method also exposes what events could happen that indicate the progression toward an increasingly possible threat landscape. This book begins with an overview of the Threatcasting method with examples and case studies to enhance the academic foundation. Along with end-of-chapter exercises to enhance the reader's understanding of the concepts, there is also a full project where the reader can conduct a mock Threatcasting on the topic of "e;the next biological public health crisis."e; The second half of the book is designed as a practitioner's handbook. It has three separate chapters (based on the general size of the Threatcasting group) that walk the reader through how to apply the knowledge from Part I to conduct an actual Threatcasting activity. This book will be useful for a wide audience (from student to practitioner) and will hopefully promote new dialogues across communities and novel developments in the area.
This book chronicles airline revenue management from its early origins to the last frontier. Since its inception revenue management has now become an integral part of the airline business process for competitive advantage. The field has progressed from inventory control of the base fare, to managing bundles of base fare and air ancillaries, to the precise inventory control at the individual seat level. The author provides an end-to-end view of pricing and revenue management in the airline industry covering airline pricing, advances in revenue management, availability, and air shopping, offer management and product distribution, agency revenue management, impact of revenue management across airline planning and operations, and emerging technologies is travel. The target audience of this book is practitioners who want to understand the basics and have an end-to-end view of revenue management.
This book guides human resource managers and professionals on how to manage organizations and its employees through bankruptcy and organizational change. While many books on bankruptcy are written from the perspective of bankruptcy attorneys and bankers, this book focuses on the employee communication and organizational aspects of bankruptcy from an HR and C-Suite perspective. It provides a deep understanding of the impact of bankruptcy on organizations and how to manage communication and employee engagement during this transition. The book also provides valuable and practical checklists and templates for employee communiques, frequently asked questions, and preparing court-ordered information.
In Extraordinary Wealth, the authors present the three levels of wealth creation,and an outline to help you reach them:LEVEL ONE You have enough passive income from your assets toreplace your paycheck when you stop working. Reaching this levelmeans you have a stable retirement.LEVEL TWO You have free capital or "playchecks," which areincome-producing assets that are not responsible for maintaining yourlifestyle. Reaching this level means you have financial freedom.LEVEL THREE You have earned income beyond retirement andcontinue to earn substantially more than you spend. Reaching thislevel means you have multigenerational wealth.Many people would love to reach that first level. Sadly, almost no one does. If you'rededicated and disciplined, this book will teach you how to progress through levelsone and two and ultimately reach the third level, creating multigenerational wealth.
This book explains the theoretical structure of particle swarm optimization (PSO) and focuses on the application of PSO to portfolio optimization problems. The general goal of portfolio optimization is to find a solution that provides the highest expected return at each level of portfolio risk. According to H. Markowitz¿s portfolio selection theory, as new assets are added to an investment portfolio, the total risk of the portfoliös decreases depending on the correlations of asset returns, while the expected return on the portfolio represents the weighted average of the expected returns for each asset.The book explains PSO in detail and demonstrates how to implement Markowitz¿s portfolio optimization approach using PSO. In addition, it expands on the Markowitz model and seeks to improve the solution-finding process with the aid of various algorithms. In short, the book provides researchers, teachers, engineers, managers and practitioners with many tools they need to apply the PSO technique to portfolio optimization.
In diesem Buch lernen Sie die Vielfalt der Wechselwirkungen von Zufallsvariablen und unterschiedliche Ansätze ihrer theoretischen Beschreibung kennen. Im Fokus der Betrachtungen steht der Einsatz von Copulas; Sie lernen gezielt mit diesen zu operieren. Sie erfahren zunächst anhand umfangreicher Resultate und zahlreicher Beispiele, welche Ausprägungen von Abhängigkeitsstrukturen mit welchen Eigenschaften von Copulas korrespondieren. Anschließend lernen Sie ausgewählte Anwendungen der zuvor bereitgestellten Erkenntnisse kennen, die meist aus der Versicherungstechnik stammen. Sie erhalten beispielsweise einen Einblick in die speziellen Abhängigkeitsstrukturen in den Modellen der Erfahrungstarifierung. Eine Besonderheit stellt der Umgang mit Summen abhängiger Zufallsvariablen dar: Sie erfahren, wie auch ohne Vorliegen der häufigen Annahme der Unabhängigkeit die Verteilung der Summen bestimmt werden kann. Die Anwendungen und Untersuchungen werden zumeist durch Simulationen und Punktwolken illustriert.
Im Fokus dieses Buches steht die quantitative Modellierung und statistische Messung von Ereignisrisiken: Es werden statistische Schatzverfahren zur Quantifizierung von Ereignisrisiken und statistische Testverfahren zum Einsatz im Rahmen der Risikokontrolle prasentiert.Kapitelweise werden die wichtigsten Risikomazahlen verbal eingefuhrt, formal definiert, im Rahmen kurzer Beispiele fur verschiedene stochastische Modelle berechnet und anschlieend im Kontext verschiedener Datensituationen statistisch geschatzt. Die geschatzten Werte werden um Genauigkeitsangaben erganzt. Statistische Testverfahren, die zum Risikomonitoring eingesetzt werden konnen, vervollstandigen das jeweilige Kapitel. Das statistische Vorgehen wird stets anhand von Anwendungsbeispielen veranschaulicht. Softwarehinweise in Form von Prozeduren und Funktionen fr Excel, GAUSS, Mathematica und R ergnzen die jeweiligen Ausfhrungen. Am Ende jedes Kapitels findet sich ein kurzes Resmee, das die entscheidenden Erkenntnisse und Fallstricke prgnant zusammenfasst, sowie ein Abschnitt zu den methodischen Hintergrnden und Herleitungen. Das Buch mit seinen vielfltigen Beispielen ist interdisziplinr ausgerichtet und gut geeignet zum Selbststudium, zur Weiterbildung oder als Grundlage fr Lehrmodule zur Risikomodellierung, Risikomessung, Risikoquantifizierung, zu Risikomaen oder zum Risikomanagement in wirtschafts-, ingenieur- und naturwissenschaftlichen Studiengngen. Die Prsentation der Inhalte auf verschiedenen Schwierigkeitsstufen (datenorientierte Verfahren, methodischer Hintergrund und Herleitungen, technische Anhnge) ermglicht den Einsatz auf verschiedenen Studienniveaus und macht das Buch auch fr forschende Wissenschaftler interessant.
Masterarbeit aus dem Jahr 2021 im Fachbereich BWL - Investition und Finanzierung, Note: 1,0, Fachhochschule Vorarlberg GmbH (Wirtschaft), Sprache: Deutsch, Abstract: Die Bedeutung von Nachhaltigkeit steigt stetig und Investoren berücksichtigen immer häufiger ESG-Risiken in deren Investments. Dabei stellt sich die Frage, wie ESG-Kriterien auch in KMU implementiert werden können und welche Auswirkungen wiederum auf deren Finanzierung zu erwarten sind. Es wurde im Zuge der Arbeit sowohl eine quantitative (Umfrage) als auch eine qualitative (Experteninterviews) Untersuchung durchgeführt.Die Berücksichtigung von ESG-Risiken ist ein langfristiger Prozess. Dabei spielen die Schaffung eines Bewusstseins, Generierung von Know-how sowie Bereitstellung einer validen Datengrundlage für die Identifizierung und Bewertung der Risiken eine entscheidende Rolle. Es können für KMU sowohl unmittelbare als auch mittelbare Auswirkungen auf deren Finanzierung erwartet werden. Unmittelbare Auswirkungen sind in KMU bisher selten zu finden, äußern sich aber teilweise durch geringere Finanzierungskosten, die signifikant abhängig von der Ausprägung des Risikomanagements sind. Als mittelbare Effekte konnten Auswirkungen auf die Reputation und finanzielle Performance identifiziert werden, die sich in der Ausfallwahrscheinlichkeit von Unternehmen und damit der Kreditgewährung und Konditionsgestaltung niederschlagen können.
What Are You Waiting For? This book will change the way you think about investing-and the results will prove it! "This is the simple hands-on, how-to and why book many readers have been looking for." -Scott Burns, syndicated columnist Daniel Solin cuts through the financial hype to show you exactly how to invest-with an easy-to-follow four-step plan that lets you create and monitor your investment portfolio in ninety minutes or less...and put your investment earnings in the top 5 percent of all professionally managed money. If you want to gamble, go to Las Vegas-or try stock picking and market timing. If you want to be a Smart Investor, follow this effortless and effective plan. "The Smartest Investment Book You'll Ever Read will provide the enlightenment and gumption to free yourself from the clutches of the investment industry and the wisdom and direction necessary to get yourself back on track." -William Bernstein, author of A Splendid Exchange and The Four Pillars of Investing Every day you wait costs you money. Take control of your financial future now!
In Take on the Street, Arthur Levitt--Chairman of the Securities and Exchange Commission for eight years under President Clinton--provides the best kind of insider information: the kind that can help honest, small investors protect themselves from the deliberately confusing ways of Wall Street.At a time when investor confidence in Wall Street and corporate America is at an historic low, when many are seriously questioning whether or not they should continue to invest, Levitt offers the benefits of his own experience, both on Wall Street and as its chief regulator. His straight talk about the ways of stockbrokers (they are salesmen, plain and simple), corporate financial statements (the truth is often hidden), mutual fund managers (remember who they really work for), and other aspects of the business will help to arm everyone with the tools they need to protect—and enhance—their financial future.
The definitive book of snow and avalanche science - now also in EnglishIn the hugely successful innovative manual "lawine" published eight years ago, internationally recognized 'avalanche warner' authors Rudi Mair and Patrick Nairz succeeded in writing the definitive work of avalanche science. Partially responsible its success was their innovative concept of Danger Patterns, which led the European Avalanche Warning Services to introduce cross-border depictions of five Avalanche Problems in 2014. These problems, which occur repeatedly in every mountain region throughout the course of winter, are also depicted in this definitive work: 1. Fresh Snow, 2. Snowdrifts, 3. Old Snow, 4. Wet Snow and 5. Gliding Snow. These fundamental problems are then explored more deeply in the ten decisive Danger Patterns.What are the typical meteorological conditions in early winter, deep winter, late winter and springtime? What effects do they have on the snow cover? And above all: what threats do they create? Short, concise blocks of information, highly expressive photos of the complexities of the landscape optimize comprehensive expertise of this science. Through the analysis of typical accidents (which have actually occurred) these recurring danger patterns are illustrated with a clarity that makes them recognizable on-site.Adopting this approach, the book pursues a classic strategic path of risk management, e.g. '3x3' or 'stop or go' thereby melding to a graspable, all-encompassing whole. A book born of practice in outlying terrain, a practical manual for outdoor experiences. It was awarded the Platinum Book Prize by the Austrian Book Association and named the standard work of snow and avalanche science. And now, finally, it is available in English.
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