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A Brookings Institution Press and Nomura Institute of Capital Markets Research publication One of the first rules of investing is diversification: spreading resources over many types of investments in order to minimize financial risk. Mutual funds have been the diversification vehicle of choice for the last several decades. In recent years, however, other opportunities for diversification—such as separately managed accounts and exchange-traded funds—have enjoyed rapid growth. What lies ahead for the mutual fund industry in light of this increasingly competitive environment? In this volume, experts from the United States and Japan look at forces of change in their securities markets and offer their views of the future for mutual funds and other forms of securities diversification. Contributors include Harold Bradley (Kauffman Foundation), Koichi Iwai (Nomura Institute of Capital Markets Research),Ajay Khorana (Georgia Institute of Technology),Allan Mostoff (Mutual Fund Directors Forum), Brian Reid (Investment Company Institute), Henri Servaes (London Business School), Paula Tkac (Federal Reserve Bank of Atlanta), and Peter Wallison (American Enterprise Institute).
This book is a culmination of all of my years and experiences of car buying. While the goal of this book is to teach you how to buy a good used car with cash, the principles in this book will serve you well whether you are looking to buy a new car that is financed with a loan or if you are saving your hard earned money for a cash purchase.
BLACK ENTERPRISE is the ultimate source for wealth creation for African American professionals, entrepreneurs and corporate executives. Every month, BLACK ENTERPRISE delivers timely, useful information on careers, small business and personal finance.
The Savvy Investor's Guide to Pooled Investments offers a practical guide to anyone interested in gaining a basic understanding of mutual funds, exchange-traded funds, closed-end funds, unit investment trusts, and real estate investment trusts. It uses a Q&A format to examine what you want and need to know before investing.
View the inner workings of healthy stepfamilies through the stories of twenty families as they discuss how their households operate. This enlightening book takes a deeper look at what adults and children in stepfamilies say about such issues as discipline, money, family roles and relationships with ex-spouses, and the development of new traditions and rituals. Incorporating actual words of family members, Developing Healthy Stepfamilies shows many ways in which stepfamilies function well through adapting new and different “rules” to fit their circumstances. The book concentrates on positive rather than negative aspects of stepfamily life to help dim the image of stepfamilies as problematic and also to instill hope in would-be stepfamilies by normalizing their differences from biologically based families. Written with the intention of disseminating information and increasing understanding about stepfamily functioning, this book is useful for stepfamilies, their friends and relatives, and professionals such as teachers, clergy, physicians, and counselors. Developing Healthy Stepfamilies draws a colorful picture of the creativity and flexibility such families have brought to their lives and relationships. Emphasizing what works in stepfamilies instead of what does not, the book illustrates the process of integrating a stepfamily, the value of humor and patience, and the richness that can unfold for all members of the family. The author, a family therapist and educator, has drawn together information direct from stepfamily members themselves, providing readers with first-hand knowledge of the daily workings of this fast growing family form. A showcase of stepfamilies that are functioning well, Developing Healthy Stepfamilies helps show would-be stepfamilies that “it can be done.” This is not a book of instructions; it illuminates the many ways in which stepfamilies can and do function. Some of the topics covered in the book include: definitions of a stepfamily a historical review demographics suggestions for new stepfamilies from established ones genograms of the families participating in the study As a group, stepfamilies are different from biologically based families in form and function. These differences are important for the families, and for those working with them, to recognize and accept as normal. Although intended to be an informative text for professionals and students in fields such as counseling and social work, this book also serves as a source of hope and encouragement for stepfamilies and prospective stepfamilies themselves.
"This book is based on the three separate studies that made up the Intra Family Income Study ... all of the Māori and Pacific Islands examples are taken from the [studies] ... enriched and extended the examples from the Pākehā study with details ... from unpublished interview notes"--P. [vii] and [ix].
First Published in 1999. Routledge is an imprint of Taylor & Francis, an informa company.
A financial reporter offers his philosophy and practice for living frugally, which to him means spending one's money on quality rather than quantity, buying the best one can afford but the least one needs, in a book that also tackles such subjects as the two best ways to save for college, renting vs. owning, wise debt vs. foolish debt and more.
This book is available as open access through the Bloomsbury Open Access programme and is available on www.bloomsburycollections.com. Would it be possible to provide people with a basic income as a right? The idea has a long history. This book draws on two pilot schemes conducted in the Indian State of Madhya Pradesh, in which thousands of men, women and children were provided with an unconditional monthly cash payment. In a context in which the Indian government at national and state levels spends a vast amount on subsidies and selective schemes that are chronically expensive, inefficient, inequitable and subject to extensive corruption, there is scope for switching at least some of the spending to a modest basic income. This book explores what would be likely to happen if this were done. The book draws on a series of evaluation surveys conducted over the course of the eighteen months in which the main pilot was in operation, supplemented with detailed case studies of individuals and families. It looks at the impact on health and nutrition, on schooling, on economic activity, women's agency and the welfare of those with disabilities. Above all, the book considers whether or not a basic income could be transformative, in not only improving individual and family welfare but in promoting economic growth and development, as well as having an emancipatory effect for people long mired in conditions of poverty and economic insecurity.
Managing Local Government Services, 3rd ed. is a comprehensive text on the subject of local government services relevant to local governments of all sizes. This edition is refocused and updated to include the demographic, economic, technology and cultural trends that affect the management of service delivery. New chapters discuss the shift from ¿government¿ to ¿governance,¿ alternative methods of service delivery, community development, and the five management practices that are fast becoming the standard for professional local government management.Each chapter lays out the manager¿s responsibilities in each service area, and provides effective policies, practices, and procedures. Short case examples give you a practical look at the goals, challenges, and solutions in the manager¿s world.