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Hello Harold: A Veteran Financial Advisor Shares Stories to Help Make You Be a Better Investor

Welcome to Hello Harold (that’s me, Harold Evensky). I’ve been a practicing financial planner for over three decades; financial planning is my avocation as well as my vocation. I’ve had the privilege of participating in the growth of my profession, serving on the national Board of the International Association for Financial Planning, as Chair of...

Debt Collection Answers: How to Use Debt Collection Laws to Protect Your Rights

Learn how debt collection laws can help you protect your rights so you can resolve your debts! The number of people dealing with collection accounts is staggering: an estimated 30 million Americans have at least one debt in collections. If you are one of them, you are no doubt frustrated and perhaps even frightened to...

The Crowdfunding Bible: How to Raise Money for Any Startup, Video Game or Project

BRING ANY IDEA TO LIFE OVERNIGHT! Dream of launching a new product, project or startup? Wish granted! Thanks to crowdfunding, today’s hottest form of high-tech investment, suddenly anyone can bring virtually any idea or invention to life with a little help from the Internet. The world’s most comprehensive guide to raising money online, The Crowdfunding...

EIB Working Papers 2019/01 – Blockchain, FinTechs and their relevance for international financial institutions

The purpose of this working paper is to provide a primer on financial technology and on Blockchain, while sheding light on the impact they may have on the financial industry. FinTechs, the financial technology and innovation that competes with traditional financial methods in the delivery of financial services, has the potential to improve the reach...

EIB Working Papers 2018/08 – Debt overhang and investment efficiency

Using a pan-European data set of 8.5 million firms, this paper finds that firms with high debt overhang invest relatively more than otherwise similar firms if they are operating in sectors facing good global growth opportunities. At the same time, the positive impact of a marginal increase in debt on investment efficiency disappears if firm...

Introducing Microsoft Power BI

This is the eBook of the printed book and may not include any media, website access codes, or print supplements that may come packaged with the bound book.   Introducing Microsoft Power BI enables you to evaluate when and how to use Power BI. Get inspired to improve business processes in your company by leveraging...

Sources of Wealth

This book is a no-nonsense, easy-to-follow guide for everyone who has ever been afraid of finance. In it you’ll find the tools to help you grow your money and increase your peace of mind, and you’ll find the confidence to achieve the things you’ve always dreamed of. In this book, you will learn about the...

The New Law of Attraction: How to Practice the Law of Attraction and Transform Your Dreams into Concrete and Realizable Goals

“The N.1 Law-of-Attraction Amazon Bestseller” ★★★★★“The Best Law-of-Attraction Book in Italy and USA” ★★★★★ The book The Secret by Rhonda Byrne has sold millions of copies and has spread the concept of “law of attraction” all over the world. This idea states that if you strongly desire something, this will almost magically become true. But what about...

The Great Debt Deception: How You’ve Been Swindled By the Banks and Credit Card Companies, Why You Don’t Owe Them a Penny and the Proven Process to Get Free From Your Debt

What If Everything You Were Taught To Believe About the Money System and Debt Turned Out To Be a Lie? The reality of the banking system is that everything you were taught about debt is not true. The simple fact is that you do not owe any money. The actual transaction of a “loan” that...

Investing Money in Your Retirement: The Secret Way that the Super Wealthy Use Life Insurance as a Tax Free Retirement Fund

The super wealthy in America have been using the Insurance Industry in America as their own personal piggy banks since the start of the industrial revolution. When you do it right you can use this same practice to protect your money all the way until retirement. This is more than just a garbage insurance strategy....

How to Trade Binary Options Successfully: A Complete Guide to Binary Options Trading

The purpose of this book is to show you how to make money trading Binary Options. Binary Options are a popular investment instrument for trading stocks, commodities and currencies. Trading Binaries is very simple and straightforward, all you need to do is decide which of the two directions the asset will move, up or down....

EIB Working Papers 2018/05 – Sovereign risk and corporate cost of borrowing: Evidence from a counterfactual study

This paper assesses the impact of the sovereign risk spill-overs onto corporate cost of borrowing in selected euro area countries. It confirms the heterogeneity of sovereign risk spill-overs and finds divergence in sovereign risk transmission between core and peripheral Member States during financial and sovereign debt crises. It suggests that standard linear models may underestimate...

Teachers’ Work in a Globalizing Economy

Extended critical case studies provide a tangible working expression of the labour process of teaching, showing how teachers are simultaneously experiencing significant changes to their work, as well as responding in ways that actively shape these processes. For teachers and researchers, this book shows what processes are at work in the global economy which impact...

Politics of Quality in Education: A Comparative Study of Brazil, China, and Russia (Routledge Research in International and Comparative Education)

The question of quality has become one of the most important framing factors in education and has been of growing interest to international organisations and national policymakers for decades. Politics of Quality in Education focuses on Brazil, China, and Russia, part of the so-called emerging nations’ BRICS block, and draws on a four-year project to...

The Group of Seven: Finance Ministries, Central Banks and Global Financial Governance (Routledge Studies in Globalisation)

We are now in the era of the G8, although the G7 still exists as a grouping for Finance Ministers. Why do G7 finance ministries and central banks co-operate? What are the implications of this co-operation for US power and the abilities of the other six states to exercise leadership? What role do the G7...

EIB Investment Report 2018/2019: Retooling Europe’s economy

The Investment Report, issued annually by the European Investment Bank, provides a comprehensive overview and analysis of investment and the financing of investment in the European Union. It combines the exploration of investment trends with in-depth analysis, focusing especially on the drivers and barriers to investment activity. The report leverages on a unique set of...

Smart Cities, Smart Investment in Central, Eastern and South-Eastern Europe (ECONOMICS – THEMATIC STUDIES)

This paper makes the case for smart policy development in Central, Eastern and South-Eastern Europe (CESEE). It uses EIB Investment Survey (EIBIS) 2017 results for CESEE cities to outline local infrastructure gaps and demonstrate the productivity and innovation gaps between CESEE cities and other EU cities. It discusses negative demographic trends in Central, Eastern and...

Banking in Africa: Delivering on Financial Inclusion, Supporting Financial Stability

In its fourth edition, this report focuses on recent developments in Africa’s banking sectors and the policy options for all stakeholders. The study of banking sectors across all African sub-regions includes the results of the EIB survey of banking groups operating in Africa. Three thematic chapters address challenges and opportunities for financing investment in Africa:...

Operation Money: A Financial Guide for Military Service Members and Families

“From investing in education and affording a home to choosing the right credit products and adequately saving for retirement, Operation Money offers military-specific advice to achieving financial stability.” –Michael E. O’Neill, Chairman, Citigroup Inc., First Lieutenant, U.S. Marine Corps, 1969-1971 When it comes to money, military service members and their families face financial challenges that...