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This book records the first success stories of a new form of financial intermediation, the hometown investment fund, that has become a national strategy in Japan, partly to meet the need to finance small and medium-sized enterprises (SMEs) after the devastating earthquake and tsunami in March 2011. The hometown investment fund has three main advantages. First, it contributes to financial market stability by lowering information asymmetry. Individual households and firms have direct access to information about the borrowing firms, mainly SMEs, that they lend to. Second, it is a stable source of risk capital. The fund is project driven. Firms and households decide to invest by getting to know the borrowers and their projects. In this way the fund distributes risk but not so that it renders risk intractable, which was the problem with the “originate and distribute” model. Third, it contributes to economic recovery by connecting firms and households with SMEs that are worthy of their support. It also creates employment opportunities, at the SMEs as well as for the pool of retirees from financial institutions who can help assess the projects. Introduction of the hometown investment fund has huge global implications. The world is seeking a method of financial intermediation that minimizes information asymmetry, distributes risk without making it opaque, and contributes to economic recovery. Funds similar to Japan’s hometown investment fund can succeed in all three ways. After all, the majority of the world’s businesses are SMEs. The first chapter explains the theory behind this method, and the following chapters relate success stories from Japan and other parts of Asia. This book should encourage policymakers, economists, lenders, and borrowers, especially in developing countries, to adopt this new form of financial intermediation, thus contributing to global economic stability.
Since money was invented, there has been a debate about better ways of creating it and better rules to govern how it works - until the last generation, when it began to seem that the money system had been handed down by God and remained unchanged ever since. But the last few years have seen an increasingly powerful resurgence of interest in changing the system fundamentally, and bringing the monetary trends that affect all our lives under our control. Few realize that the debate has roots and a tradition, covering mainstream economists like Keynes and Hayek, statesmen like Lincoln, entrepreneurs like Ford and Soros, as well as the imaginative mavericks behind local currencies and e-money. This volume collects together some of their most influential writings to provide a handbook on a vital train of ideas, and a guide to a debate on changing money that is becoming increasingly important.
The Blindside meets Friday Night Lights in Keanon Lowe's Hometown Victory when an NFL coach returns home after losing a friend to coach a team of struggling high school kids on a 23-game losing streak. Keanon Lowe was working as an offensive analyst for the San Francisco 49ers when his childhood friend and former high school teammate suddenly died from an opioid overdose. Keanon dropped everything––including the plum NFL job he had been working towards since childhood––leading him to a position as football coach at a struggling high school back in his hometown. At the time, Parkrose High School was in the middle of a 23-game losing streak--they were the ultimate underdogs. In many ways, the road to Parkrose was paved by Keanon's life-defining experiences––from a childhood spent dodging racist bullies and finding the support and mentorship he craved on the football team, to an NFL season where he worked closely with Colin Kaepernick as he evolved his sideline protest. Keanon was drawn to the young men on the Parkrose team, and to the school itself. After two years, he pushed them to become conference champions, mentoring countless players along the way. But still, there was that nagging sense that his calling wasn't meant to stop there. He was at that school for a reason. In May 2019, he got his answer when a 19-year-old student entered a Parkrose classroom with a trench coat and shotgun. Keanon disarmed him and pulled the boy into a hug, telling him he cared. In the boy, Keanon saw himself, and the young men he grew up with or mentored along the way––and weren't so many of them just looking for acceptance, for comfort, for love? With the heart of favorite football classics––The Blindside, Friday Night Lights, Remember the Titans––Keanon’s journey at Parkrose is the true account of a life spent striving forward, even when faced with the unimaginable. Hometown Victory is a story about gratitude, service, and most of all, hope.
Financial advisors, poker players, hedge fund traders, fund-raisers, sports agents, credit counselors and commissioned salespeople all deal with one central concern in their jobs: money. In Money at Work, Kevin Delaney explores how we think about money and, particularly, how our jobs influence that thinking. By spotlighting people for whom money is the focus of their work, Delaney illuminates how the daily practices experienced in different jobs create distinct ways of thinking and talking about money and how occupations and their work cultures carry important symbolic, material, and practical messages about money. Delaney takes us deep inside the cultures of these ‘moneyed’ workers, using both interviews and first-hand observations of many of these occupations. From hedge fund trading rooms in New York, to poker players at work in Las Vegas casinos, to a “Christian money retreat” in a monastery in rural Pennsylvania, Delaney illustrates how the underlying economic conditions of various occupations and careers produce what he calls “money cultures,” or ways of understanding the meaning of money, which in turn shape one’s economic outlook. Key to this is how some professionals, such as debt counselors, think very differently than say poker players in their regard to money—Delaney argues that it is the structure of these professions themselves that in turn influences monetary attitudes. Fundamentally, Money at Work shows that what people do for a living has a profound effect on how people conceive of money both at work and in their home lives, making clear the connections between the economic and the social, shedding light on some of our most basic values. At a time when conversations about money are increasingly important, Delaney shows that we do not merely learn our attitudes toward money in childhood, but we also learn important money lessons from the work that we do.
Economics: Theory & Practice, 11th Edition by Patrick J. Welch and Gerry F. Welch connects theory to the practice of economics and the everyday world through examples and applications, debates, and critical thinking cases—some that are classics in the field and others that are fresh and up-to-date. Its balanced coverage of microeconomics and macroeconomics, flexibility in topic coverage order, and the use of appendices and chapter sections to shorten or deepen course material offer a choice of levels and sequences for a course.
There is another four-letter word associated with work: life. Beyond providing us with a means to live and survive it can be a key, as Freud noted, to self-esteem, self-identity and how we value life. Now, "Dr. Siggie" nor I believe that work can only be satisfying if you make a ton of money or become famous and powerful. Rather, what "Herr Doktor" was getting at, I believe, was do you love what you do to earn a living? If so, then you've achieved one of the key components of wellbeing. But this philosophical tenet raises a basic question: If you love your work is it really work? An equally troubling question: Conversely, for those people who dislike their jobs, are they justified in disliking life and themselves?
For international migrants seeking employment in the United States, the desire to remit a portion of their earnings to their home countries is a time-honored custom. The flow of money southward from the United States has evolved from a stream flowing from families through informal networks to a major river with new tributaries fed by transnational migrant organizations, channeled through an increasingly formal marketplace, and attracting the involvement of home country governments. This volume tracks the evolution of the flow of money 'home, ' offering new data to enhance the picture and understanding of this important economic phenomenon
"Steve Case, cofounder of America Online and Revolution and New York Times bestselling author of The Third Wave, shows how entrepreneurs across the country are building groundbreaking companies, renewing communities, and creating new jobs--in the process reimagining the American landscape and bringing people together around a shared future"--Amazon.com.
The perfect book for beginners wanting to learn Microsoft's financial software and prefer a visual, four-color approach.