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• A FinTech and RegTech Overview: Where We Have Come From and Where We Are Going vi About the Editors xii Acknowledgements xiv
• 1. Introduction What a RegTech Compliance Killer System Will Look Like 6 Technology-Enabled Collaborative Compliance 10 The Age of RegTech Disruption to the Status Quo Is Here 16 RegTech and Financial Crime Prevention 20 RegTech: Tackling Regulation with Innovation 26 Identities, the RegTech Holy Grail 30
• 2. The RegTech Landscape Islamic RegTech 38 How RegTech Could Help Determine the Future of Financial Services 44 Introducing the RegTech Quality Compass: The Five Factors of RegTech Quality 50 How Banks Are Managing Their Risk Through Technology and Market Infrastructure 55 RegTech and the Science of Regulation 58 GDPR and PS
• D2: Self-Sovereign Identity, Privacy, and Innovation 62 Rise of RegTech in the German Market 66 The Power of RegTech to Drive Cultural Change and Enhance Conduct Risk Management Across Banking 70
• 3. Regulatory Innovation and Sandboxes Discover the Innovative Technology Behind RegTech Leaders 80 Enabling RegTech Up Front: Unambiguous Machine-readable Regulation 85 Align Open Banking and Future-Proof RegTech for Regulators and Third-Party Providers to Deliver the Optimal Consumer Convenience and Protection 89 A Seat at the Table - Bringing the Voice of FinTech to the US Regulatory Process 93 Sandbox Games for RegTech 99 Legal Guidance for Entering the Sandbox and Taking Advantage of Cross-Border Cooperation Agreements 102 RegTech and the Sandbox Play, Innovate, and Protect! 106
• 4. A Call for Innovation or Disruption? Governance, Risk, and Compliance: Complex or Complicated? 118 Innovation or Disruption: Not Always Black and White 122 How to Use Digital Marketing Data in Regulated Industries 126 Invention Versus Reinvention 130 Making Regulation Machine Readable 134 Can We Digitize Know Your Client? 138
• 5. RegTech Investment and Compliance Spending Why a Substantial Investment in Financial Services RegTech Now Will Strategically Reduce Your Future Regulatory Compliance Costs 146 Old Tech + New Tech = RegTech: Excel Spreadsheets and End User Computing in a Regulated World 150 Will Financial Institutions Ever Achieve a 100% Compliance with Anti-Money Laundering and Combating the Financing of Terrorism Rules? 154 Merits and Demerits of a Shared Risk Engine 158 Spend on Compliance: A Necessary Evil orBusiness Enabler? 163
• 6. RegTech for Authorized Institutions RegTech Opportunities in a Post-4MLD/5MLD World 172 Passporting in the EU - Is an Opportunity Also a Problem? 177 What Do PSD2 and Similar Activities Mean for Banks and FinTech Start-ups? 181
• 7. RegTech from a Regulatory Perspective The Role of Anti-Money Laundering Law and Compliance in FinTech 190 Banking Supervision at a Crossroads - RegTech as the Regulators' Toolbox 195 FinReg, FinTech, and RegTech - Quo Vadis, EU? 199 The RegTech Landscape from a Regulator's Perspective 205 RegTech is for Regulators Too, and its Future is in Emerging Markets 210
• 8. Blockchain and AI in RegTech The ROI of RegTech 218 The Augmented Compliance Office 221 Dissolving Barriers: A Global Digital Trust Protocol 226 Can AI Really Disrupt Monitoring for Suspicious Activity? 231 Forging a Responsibility and Liability Framework in the AI Era for RegTech 235 Compliance with Data Protection Regulations by Applying the Blockchain Technology 246 Blockchains Are Diamonds' Best Friend: The Case for Supply Chain Transparency 250
• 9. RegTech Applicability Outside the Financial Services Industry Protecting Consumers and Enabling Innovation 260 RegTech Impact on the Private Security Industry 263 ArtTech: How Blockchain Can Improve Provenance 266 The Potential of RegTech in Improving the Effectiveness of Environmental Regulation 270 RegTech Applicability Outside the Financial Services Industry 274 Using RegTech as a Cross-Industry Digitization Tool 278 RegTech Unleashed: Discovering the Pathways Beyond Finance 282 RegTech Outside Finance: Four Options, One Clear Choice 287 RegTech: A Safe Bet for Tackling AML and Fraud in the Gambling Sector 292
• 10. Social Impact and Regulation The FinTech Ecosystem Between Legal Compliance and Social Dimension 300 The End Justifies the Means: Putting Social Purpose Back at the Heart of Banking and Financial Regulation 305 RegTech's Impact on Trust and Identity 310 How Technology Is Driving Financial Inclusion 314 Banking the Unbanked and Underbanked: RegTech as an Enabler for Financial Inclusion 318 Superhero Way: Enhancing Regulatory Supervision with Superpowers 323
• 11. The Future of RegTech Market Surveillance 2020 330 I Regulate, Therefore I Am? Regulating Humans' and Machines' Conduct and Culture 335 The Future of RegTech 340 From RegTech to TechReg - Regulation in a Decentralized World 344 Emerging Innovations in RegTech 348 List of Contributors 351 Index 358.
• (source: Nielsen Book Data)

The Regulatory Technology Handbook The transformational potential of RegTech has been confirmed in recent years with US$1.2 billion invested in start-ups (2017) and an expected additional spending of US$100 billion by 2020. Regulatory technology will not only provide efficiency gains for compliance and reporting functions, it will radically change market structure and supervision. This book, the first of its kind, is providing a comprehensive and invaluable source of information aimed at corporates, regulators, compliance professionals, start-ups and policy makers. The REGTECH Book brings into a single volume the curated industry expertise delivered by subject matter experts. It serves as a single reference point to understand the RegTech eco-system and its impact on the industry. Readers will learn foundational notions such as: * The economic impact of digitization and datafication of regulation * How new technologies (Artificial Intelligence, Blockchain) are applied to compliance * Business use cases of RegTech for cost-reduction and new product origination * The future regulatory landscape affecting financial institutions, technology companies and other industries Edited by world-class academics and written by compliance professionals, regulators, entrepreneurs and business leaders, the RegTech Book represents an invaluable resource that paves the way for 21st century regulatory innovation.
(source: Nielsen Book Data)

• List of Figures
• List of Tables
• Foreword by C. Rangarajan
• Acknowledgements
• 1. Prologue
• 2. The Indian Banking Sector: A Brief History
• 3. The Index of Credit Allocative Efficiency
• 4. Macroeconomic Analyses of Bank Credit Misallocation in the Indian Corporate Sector: Investigation of Pro-cyclicality
• 5. Determinants of Bank Credit Misallocation: Firm-level Analysis
• 6. Allocative Efficiency of Bank Credit and Firm Performance
• 7. Credit Reallocation by Indian Banks in the Aftermath of the Global Financial Crisis
• 8. The Zombie Story: Credit Boom and the Rise of Zombie Firms in the Indian Economy
• 9. Epilogue
• Bibliography
• Index.
• (source: Nielsen Book Data)

"The global financial crisis of 2007-09 highlighted the importance of capital structure for the economy as a whole and for individual firms as well. The ensuing credit and profitability crunch due to the contraction of the global economy made it vitally imperative to understand how the capital structure choices of the firms are affected and what impact these choices have on the functioning of the markets. Since, like in most emerging countries, the capital structure of Indian firms is dominated by bank borrowing, it has become important to understand the role of bank borrowing in a larger context. Maladies of the Indian Banking Sector provides an in-depth analysis of bank credit allocation to non-financial companies in the Indian corporate sector over a long period of 28 years. The authors also conduct a micro-level analysis in the backdrop of recent banking scams in the country which exposed the fragility and quality of the banks' governance in reducing misappropriation of bank credit. The book brings a broader perspective to assess whether weak banks are rolling over their loans to less-deserving firms and tending to avoid declaring them as non-performing assets (NPAs). It contributes to understanding the nature of the maladies beyond the conventional approach of studying the trends in NPAs and provides a deeper insight into the structural challenges that determine the allocation of bank credit in the economy and of capital formation at large"-- Provided by publisher.

• Preface Acknowledgments About the Author I Personalise personal finance!
• 1 The theory of innovation: from Robo-Advisors to Goal Based Investing and Gamification 1.1 Introduction 1.2 A vibrant FinTech ecosystem 1.3 Some definitions, ladies and gentlemen 1.4 Personalisation is king 1.5 The theory of innovation 1.6 My Robo-Advisor is an iPod 1.7 What incumbents should consider when thinking about FinTech innovation 1.8 Conclusions II Automated long-term investing means robo-technology!
• 2 Robo-Advisors: neither robots nor advisors 2.1 Introduction 2.2 What is a Robo-Advisor 2.3 Automated digital businesses for underserved markets 2.4 Passive investment management with ETFs 2.5 Algorithms of automated portfolio rebalancing 2.6 Personalised decision-making, individual goals and behaviour 2.7 Single minded businesses 2.8 Principles of tax-loss harvesting 2.9 Conclusions
• 3 The transformation of the supply-side 3.1 Introduction 3.2 The investment management supply-demand chain 3.3 How intermediaries make money 3.4 Issuers of direct claims (debt owners) 3.5 The institutionalisation of the private banking relationship 3.6 The digital financial advisor 3.7 Asset management is being disintermediated 3.8 ETF providers and the Pirro's victory 3.9 Vertically integrated solutions challenge traditional platforms 3.10 Conclusions
• 4 Social and technology mega trends shape a new family of taxable investors 4.1 Introduction 4.2 Generational shift (X, Y, Z and HENRYs) 4.3 About transparency, simplicity and trust 4.4 The cognitive era 4.5 Conclusions
• 5 The industry's dilemma and the future of digital advice 5.1 Introduction 5.2 Wealth management firms: go digital or die! 5.3 Asset management firms: less passive, more active! 5.4 Robo-Platforms: less transactions, more portfolios! 5.5 Digital-Advisors: empowered customisation! 5.6 Robo-Advisors: be human, be virtual, mind retirement! 5.7 Conclusions: clients take centre stage, at last! III Goal Based Investing is the spirit of the industry!
• 6 The principles of Goal Based Investing: personalise the investment experience 6.1 Introduction 6.2 Foundations of Goal Based Investing 6.3 About personal needs, goals and risks 6.4 Goal Based Investing process 6.5 What changes in portfolio modeling 6.6 Personal values 6.7 Goals elicitation 6.8 Goals priority 6.9 Time horizons 6.10 Risk tolerance 6.11 Reporting goal-centric performance 6.12 Conclusions
• 7 The investment journey: from model asset allocations to goal-based operational portfolios 7.1 Introduction 7.2 Main traits of Modern Portfolio Theory 7.2.1 Assets diversification and efficient frontier 7.2.2 The Mean-Variance model portfolio 7.2.3 Final remarks about Mean-Variance 7.3 Main traits of Black-Litterman 7.3.1 The equilibrium market portfolio 7.3.2 Embedding professional views 7.3.3 The Black-Litterman's optimal portfolio 7.3.4 Final remarks on Black-Litterman 7.4 Mean-Variance and mental accounts. 7.5 Main traits of Probabilistic Scenario Optimisation 7.5.1 The PSO Process 7.5.2 The investor's risk and return profile 7.5.3 Generation of scenarios and scenario paths 7.5.4 Stochastic simulation of products and portfolios over time 7.5.5 Potential and admissible portfolios: allocation constraints 7.5.6 Adequate portfolios: risk adequacy 7.5.7 Objective function: probability maximisation 7.5.8 Final remarks on PSO 7.5.9 Conclusions
• 8 Goal Based Investing and Gamification 8.1 Introduction 8.2 Principles of Gamification 8.3 Gamification of wealth management 8.4 The mechanics of games 8.5 Conclusions Concluding remarks Bibliography Index.
• (source: Nielsen Book Data)

• Preface xiii Acknowledgments xix About the Author xxi PART ONE Personalize Personal Finance
• CHAPTER 1 The Theory of Innovation: From Robo-Advisors to Goal Based Investing and Gamification 3 1.1 Introduction 3 1.2 A vibrant FinTech ecosystem 5 1.3 Some definitions, ladies and gentlemen 8 1.4 Personalization is king 9 1.5 The theory of innovation 11 1.6 My Robo-Advisor is an iPod 13 1.7 What incumbents should consider when thinking about FinTech innovation 15 1.8 Conclusions 17 PART TWO Automated Long-Term Investing Means Robo-Technology
• CHAPTER 2 Robo-Advisors: Neither Robots Nor Advisors 21 2.1 Introduction 21 2.2 What is a Robo-Advisor? 22 2.3 Automated digital businesses for underserved markets 25 2.4 Passive investment management with ETFs 26 2.5 Algorithms of automated portfolio rebalancing 29 2.6 Personalized decision-making, individual goals, and behaviour 30 2.7 Single minded businesses 31 2.8 Principles of tax-loss harvesting 33 2.9 Conclusions 36
• CHAPTER 3 The Transformation of the Supply-Side 39 3.1 Introduction 39 3.2 The investment management supply-demand chain 40 3.3 How intermediaries make money 42 3.4 Issuers of direct claims (debt owners) 44 3.5 The institutionalization of the private banking relationship 45 3.6 The digital financial advisor 51 3.7 Asset management is being disintermediated 54 3.8 ETF providers and the Pyrrhic victory 57 3.9 Vertically integrated solutions challenge traditional platforms 59 3.10 Conclusions 60
• CHAPTER 4 Social and Technology Mega Trends Shape a New Family of Taxable Investors 61 4.1 Introduction 61 4.2 Generational shift (X, Y, Z, and HENRYs) 62 4.3 About transparency, simplicity, and trust 65 4.4 The cognitive era 67 4.5 Conclusions 70
• CHAPTER 5 The Industry s Dilemma and the Future of Digital Advice 71 5.1 Introduction 71 5.2 Wealth management firms: Go digital or die 72 5.3 Asset management firms: Less passive, more active 75 5.4 Robo-Platforms: Less transactions, more portfolios 76 5.5 Digital-Advisors: Empowered customization 77 5.6 Robo-Advisors: Be human, be virtual, take care of retirement 79 5.7 Conclusions: Clients take centre stage, at last 81 PART THREE Goal Based Investing is the Spirit of the Industry
• CHAPTER 6 The Principles of Goal Based Investing: Personalize the Investment Experience 85 6.1 Introduction 85 6.2 Foundations of Goal Based Investing 89 6.3 About personal needs, goals, and risks 91 6.4 Goal Based Investing process 96 6.5 What changes in portfolio modelling 97 6.6 Personal values 100 6.7 Goal elicitation 100 6.8 Goal priority 102 6.9 Time horizons 102 6.10 Risk tolerance 103 6.11 Reporting goal-centric performance 105 6.12 Conclusions 108
• CHAPTER 7 The Investment Journey: From Model Asset Allocations to Goal Based Operational Portfolios 109 7.1 Introduction 109 7.2 Main traits of Modern Portfolio Theory 113 7.2.1 Asset diversification and efficient frontier 114 7.2.2 The Mean-Variance model portfolio 117 7.2.3 Final remarks about Mean-Variance 118 7.3 Main traits of Black-Litterman 118 7.3.1 The equilibrium market portfolio 119 7.3.2 Embedding professional views 121 7.3.3 The Black-Litterman optimal portfolio 122 7.3.4 Final remarks on Black-Litterman 122 7.4 Mean-Variance and mental accounts 123 7.4.1 Final remarks on Mean-variance and Mental Account 123 7.5 Main traits of Probabilistic Scenario Optimization 124 7.5.1 The PSO process 124 7.5.2 The investor s risk and return profile 126 7.5.3 Generation of scenarios and scenario paths 128 7.5.4 Stochastic simulation of products and portfolios over time 128 7.5.5 Potential and admissible portfolios: Allocation constraints 129 7.5.6 Adequate portfolios: Risk adequacy 130 7.5.7 Objective function: Probability maximization 131 7.5.8 Final remarks on PSO 135 7.5.9 Conclusions 135
• CHAPTER 8 Goal Based Investing and Gamification 137 8.1 Introduction 137 8.2 Principles of Gamification 138 8.3 Gamification of wealth management 140 8.4 The mechanics of games 141 8.5 Conclusions 143 Concluding Remarks 145 Bibliography 147 Index 151.
• (source: Nielsen Book Data)

A survival guide for the FinTech era of banking FinTech Innovation examines the rise of financial technology and its growing impact on the global banking industry. Wealth managers are standing at the epicenter of a tectonic shift, as the balance of power between offering and demand undergoes a dramatic upheaval. Regulators are pushing toward a 'constrained offering' norm while private clients and independent advisors demand a more proactive role; practitioners need examine this banking evolution in detail to understand the mechanisms at work. This book presents analysis of the current shift and offers clear insight into what happens when established economic interests collide with social transformation. Business models are changing in profound ways, and the impact reaches further than many expect; the democratization of banking is revolutionizing the wealth management industry toward more efficient and client-centric advisory processes, and keeping pace with these changes has become a survival skill for financial advisors around the world. Social media, big data analytics and digital technology are disrupting the banking industry, which many have taken for granted as set in stone. This book shatters that assumption by illustrating the massive changes already underway, and provides thought leader insight into the changes yet to come. * Examine the depth and breadth of financial technology * Learn how regulations are driving changing business models * Discover why investors may become the price-makers * Understand the forces at work behind the rise of FinTech Information asymmetry has dominated the banking industry for centuries, keeping the bank/investor liability neatly aligned but this is changing, and understanding and preparing for the repercussions must be a top priority for wealth managers everywhere. Financial Innovation shows you where the bar is being re-set and gives you the insight you need to keep up.
(source: Nielsen Book Data)

• Preface: Michael D. Bordo, John H. Cochrane, and John B. Taylor 1. Introductory Remarks: Condoleezza Rice What Monetary Policy Rules and Strategies Say 2. Perspectives on US Monetary Policy: Richard H. Clarida 3. A Labor Market View on Inflation: Lawrence H. Summers 4. It's Time to Get Back to Rules-Based Monetary Policy: John B. Taylor Introductory Remarks: Tom Stephenson General Discussion: Robert Hall, Terry Anderson, Krishna Guha, Ellen Meade Fiscal Policy and Other Explanations 5. Inflation Past, Present, and Future: Fiscal Shocks, Fed Response, and Fiscal Limits: John H. Cochrane 6. How Monetary Policy Got So Far behind the Curve: The Role of Fiscal Policy: Tyler Goodspeed 7. Current Market Perspectives: Beth Hammack Introductory Remarks: Charles I. PlosserGeneral Discussion: Krishna Guha, Mickey D. Levy, James Bullard, Richard H. Clarida, Markos Kounalakis The Fed's Delayed Exits from Monetary Ease 8. The Fed's Monetary Policy Exit Once Again behind the Curve: Michael D. Bordo and Mickey D. Levy Discussant Remarks: Jennifer BurnsIntroductory Remarks: Kevin WarshGeneral Discussion: Ricardo Reis, Richard H. Clarida, James BullardInflation Risks 9. The Burst of High Inflation in 2021-22: How and Why Did We Get Here?: Ricardo Reis Discussant Remarks: Volker Wieland Introductory Remarks: Arvind Krishnamurthy General Discussion: Robert Hall, James Bullard, Patrick Kehoe, Marc Katz, Elena PastorinoWorld Wars: Fiscal-Monetary Consequences 10. Financing Big US Federal Expenditures Surges: COVID-19 and Earlier US Wars: George J. Hall and Thomas J. Sargent Discussant Remarks: Ellen R. McGrattan Introductory Remarks: John Lipsky General Discussion: James Bullard, Krishna Guha, Michael D. Bordo, William Nelson, Robert Hall, John H. Cochrane, Patrick Kehoe Toward a Monetary Policy Strategy 11. Is the Fed
• Behind the Curve? Two Interpretations: James Bullard 12. Strategy and Execution in US Monetary Policy 2021-22: Randal Quarles 13. Reflections on Monetary Policy in 2021: Christopher J. Waller Introductory Remarks: Joshua Rauh General Discussion: David H. Papell, Mickey D. Levy, Tyler Goodspeed, John Gunn, John H. Cochrane, Nick Timiraos, Andrew Levin, William Nelson 14. Inflation Blues: The Fortieth-Anniversary Revival? Monika Piazzesi General Discussion: James Bullard, Krishna Guha, Arvind Krishnamurthy, Axel Merk, David H. Papell About the Contributors About the Hoover Institution's Working Group on Economic Policy Index.
• (source: Nielsen Book Data)

With the inflation rate in the United States and many other countries on the rise for over a year and nearing double digits, the Hoover Institution hosted its 2022 conference on monetary policy. Policy makers, market participants, and academic researchers gathered to discuss the situation. Many agreed that low interest rates and high money growth were inappropriate given the high inflation rate and evidence that the United States has recovered from the deep recession induced by the pandemic and its policy response in 2020. The thoughtful papers and the thorough discussions in this volume of conference proceedings illustrate the debate about the reasons for this mismatch, as well as how to get back on track. They reflect a range of opinions and perspectives, including examination of the fiscal shock resulting from the COVID pandemic and the related borrowing and spending; emphasis on the value of adherence to rules versus discretion in setting Fed policy; lessons from history in the spikes in federal expenditures during times of war (including the pandemic) and in the timing of the Fed's use of its policy instruments; the role of central banks in the emerging inflation crisis; and s.
(source: Nielsen Book Data)

• Introduction to strategic alternatives
• Value and value proposition
• External strategic alternatives
• Internal strategic alternatives
• The economic filter
• The strategic filter
• Introduction to operational filter
• Dupont model
• Activity-based management
• Regression analysis
• Components of value
• Valuation
• Final thoughts.

"Translating Strategy Into Shareholder Value" maps out ways to ensure that a company's strategy relates directly to the actual achievement of shareholder value. The book provides tools, as well as numerous real-life examples, to analyze how readers can maximize success by translating corporate strategy to the bottom line.
(source: Nielsen Book Data)

• Cover; Title Page; Copyright; Contents; About the Editors; Notes on Contributors; Foreword; Foreword: Implementation of the SDGs; Preface; Introduction; Part One: Overview and Context; Part Two: Where Will the Money Come From? Financing the SDGs; Part Three: Technology, Innovation, and Entrepreneurship; Part Four: Facilitating the SDGs by Legal Infrastructure Reform; Part I Overview and Context; 1 The UN and Goal Setting: From the MDGs to the SDGs; Introduction; What Is Development?; Is There a Right to Development?; Measuring Economic Development; Measuring Non-Economic Aspects of DevelopmentThe Sustainable Development Goals (SDGs); Situating the SDGs in the International Legal Framework; Theories of Development: Towards a New Theory of Sustainable Development; Economic Theories of Development; Cultural Theories of Development; Geographic Theories of Development; Institutional Theories of Development; A New Theory of Sustainable Development; Measuring Progress Towards the SDGs; Conclusions; 2 SDGs and the Role of International Financial Institutions; Introduction; Response and Implementation of the SDGs by IFIs; Project Processing and Actions Taken by IFIs to Implement the SDGs, and Responses from Other Development ActorsConclusion and Recommendations for IFIs to Meet SDG Goals and Targets; 3 Towards a New Global Narrative for the Sustainable Development Goals; Introduction; How SMART Are the SDGs?; Goals That Stretch; Goals That Inspire; Sloganising the SDGs; Towards a New Global Narrative?; Conclusion; 4 Overcoming Scarcity: The Paradox of Abundance: Harnessing Digitalisation in Financing Sustainable Development; Scarcity: The Paradox of Abundance; Financing: A Systemic Challenge; Action on System DesignDigital Financing of the SDGs; Dilemmas: Digitalisation and Dark Financing; Sizing the Prize; What Next?; Concluding Comments; Acknowledgements; Part II Where Will the Money Come From? Financing the SDGs; 5 The New Framework for Financing the 2030 Agenda for Sustainable Development and the SDGs; Introduction; Sources of Development Finance; Domestic Public and Private Sources; Domestic Resource Mobilisation (DRM); International Public and Private Finance; The Role of International Official Development Assistance (ODA); Private Philanthropy; Sovereign Wealth Funds, Pension Funds, Insurance Companies, and Investment FundsBarriers to Greater Private Investment; The Role of Private and Blended Finance in Development; The Development Impact and Risks of Blended Finance; An Overview of Blended Finance Mechanisms; Innovative Financing Tools: Social Impact Bonds (SIBs) and Development Impact Bonds (DIBs); Best Practices for Engaging the Private Sector; Conclusions; 6 The Contribution of the International Private Sector to a More Sustainable Future; Ready and Able to Invest; Commercial and Investment Benefits

Achieving the Sustainable Development Goals through Finance, Technology and Law Reform Achieving the SDGs requires a fundamental rethink from businesses and governments across the globe. To make the ambitious goals a reality, trillions of dollars need to be harnessed to mobilise finance and accelerate progress towards the SDGs. Bringing together leaders from the World Bank, the financial and business sectors, the startup community and academia, this important, topically relevant volume explains what the SDGs are, how they came about and how they can be accelerated. Real-world case studies and authoritative insights address how to direct investment of existing financial resources and re-align the global financial system to reflect the SDGs. In depth chapters discuss how financial institutions, such as UBS Wealth Management, Manulife Asset Management and Moody's Rating Agency are supporting the SDGs. The opportunities arising from Blockchain, Big Data, Digital Identity and cutting-edge FinTech and RegTech applications are explored, whilst the relevance of sustainable and transparent global supply chains is underscored. Significant attention is paid to law reform which can accelerate progress of the SDGs through SME Financing, Crowdfunding, Peer-to-Peer Lending and tax restructuring. To achieve the 'World We Want', much needs to be done. The recommendations contained within this book are critical for supporting a fundamental shift in thinking from business and governments around the world, and for building a more just and prosperous future for all.
(source: Nielsen Book Data)

• Preface: Social Unrest, Protests, and the Podcasts vii Introduction xiii Chapter One: Why Should You Trust My Advice? Who Am I? 1 Chapter Two: How the Wealth Gap Was Created 49 Chapter Three: Donate to HBCUs 77 Chapter Four: Deposit Money into Black-Owned Banks 109
• Chapter Five: Support Black-Owned Businesses 139 Chapter Six: Write a Letter Supporting Reparations 169 Epilogue 193 Discussion Questions 197 Acknowledgments 199 About the Author 201 Index 203.
• (source: Nielsen Book Data)

Learn how to address racial wealth disparity in the United States today From the life, professional experiences, and research of former Harvard Business School professor Steven Rogers, comes his boldly stated, A Letter to My White Friends and Colleagues. This informative epistle investigates the causes of racial wealth disparity in the United States and provides solutions for addressing it. Through extensive data and historical research, anecdotes, teaching, and case studies, it presents practical ways White people can work with and help the Black community. It teaches readers that eliminating the $153,000 wealth gap between Black and White people is the solution to over 75% of our problems and offers solutions to help improve Black-White racial relations in the United States. In straightforward language, filled with facts, stories, advice, and sometimes even humor, A Letter to My White Friends and Colleagues encourages every White person to share his/her wealth with the Black community-plain and simple. This book recommends that you spend a portion of your annual household budget with Black-owned companies. If more money is spent at Black-owned businesses, those companies can grow and create more jobs for Black people. Rogers also proposes White people make large savings deposits into Black-owned banks. These are the financial institutions that are the backbone of the Black community that provide loans to the Black community for businesses, education, automobiles, and home mortgages. And finally, he resolutely encourages White people to support government reparations to Black Americans who are descendants of Black men and women, who were enslaved from 1619 to 1865. Those who read the book will: Understand the root causes of racial disparities in America Discover how you can personally contribute to reducing the inequality between Black and White people in the United States today Get concrete recommendations on how to redirect your spending to Black-owned institutions to help decrease the racial wealth gap This groundbreaking book provides financial recommendations that you can put into practice today, using his helpful instructions in most of the chapters, to address the systemic inequality between White and Black Americans. Read A Letter to My White Friends and Colleagues and be part of the path forward.
(source: Nielsen Book Data)

• CONTENTS
• Introduction: From Beginning to Beginning 1
• PART 1: BUILD THE FOUNDATIONS
• Chapter 1: Know Thyself 19
• Chapter 2: Pathways to Growth 37
• Chapter 3: Prepare to Buy 57
• Chapter 4: Assembling Your A-Team 71
• Chapter 5: Researching and Selecting a Market 83
• PART 2: BUILD THE RELATIONSHIPS
• Chapter 6: The Prospect Funnel 105
• Chapter 7: Making the First Contact 121
• Chapter 8: Face-to-Face with Opportunity 133
• Chapter 9: First Assessments 145
• Chapter 10: Negotiating with Prospects 163
• PART 3: BUILD THE DEAL
• Chapter 11: The LOI: A Gentleman's Agreement 177
• Chapter 12: Getting Down to Business 191
• Chapter 13: Integration: An End and a New Beginning 207
• Executive Summary: The Top Ten Lessons 221
• Glossary 225
• Resources 231
• Appendix: Sample Letter of Intent 235
• Index 243.
• (source: Nielsen Book Data)

Every company faces the inevitable challenge: stagnate or grow. One of the fastest ways for small- and mid-size companies to expand is through acquisition. Purchasing another company can seem daunting-but when done right, it can deliver outstanding rewards. Successful Acquisitions supplies the key information that business leaders need to know about finding and buying companies. Written by an M&A expert with more than $1 billion in transactions under his belt, the book's practical and comprehensive approach integrates all the moving pieces into a logical step-by-step process that covers: * The art and science of researching companies * Building and balancing an acquisition team * Valuation tips that look beyond the obvious * The importance of "the seller's equation" * Developing a negotiation platform * How to be tough and still protect the buyer-seller relationship * Guidelines for structuring an airtight deal * The letter of intent, due diligence, purchase agreement, funding, and other essentials * Bringing the deal to a timely close * A 100-day plan for making integration a success It's all here. From building the foundation to growing the relationships to cementing the deal, Successful Acquisitions is a complete roadmap to buying companies and achieving proactive strategic growth.
(source: Nielsen Book Data)

• Acknowledgments xi Introduction The Committee to Destroy the World 1
• Chapter 1 The 2008 Crisis Tragedy or Farce? 57
• Chapter 2 The Death of Capital 93
• Chapter 3 Capital Ideas 109
• Chapter 4 Empty Promises 145
• Chapter 5 Financialization 163
• Chapter 6 From Innovators to Undertakers 181
• Chapter 7 Welcome to Jurassic Park 225
• Chapter 8 The Road to Hell 259
• Chapter 9 Finance after Armageddon 277
• Chapter 10 Unfinished Business 317
• Chapter 11 How to Save Yourself 339 Conclusion This Is Later 359 Notes 367 Bibliography and Other Sources 397 About the Author 405 Index 407.
• (source: Nielsen Book Data)

An updated examination of what's weakening the U.S. economy, and how to fix it The Committee to Destroy the World: Inside the Plot to Unleash a Super Crash on the Global Economy is a passionate and informed analysis of the struggling global economy. In this masterfully conceived and executed work, Michael Lewitt, one of Wall Street's most respected market strategists and money managers, updates his groundbreaking examination of the causes of the 2008 crisis and argues that economic and geopolitical conditions are even more unstable today. His analysis arrives in time for the impending economic and geopolitical debates of the 2016 election season. Lewitt explains in detail how debt has now overrun the world's capacity, how federal policies of the past few decades have created a downward vortex sapping growth and vitality from the American economy, and how greed and corruption are preventing reform. The financial crisis created tens of trillions of debt, leaving investors to pay a huge price for these policy failures: * The highest asset inflation we've seen in our lifetimes, although the government claims there isn't enough inflation * More than $2 trillion of stock buybacks funded with low cost debt that are artificially inflating stock prices * The Federal Reserve and other global central banks becoming the largest buyers of government debt in order to suppress interest rates * An M&A boom resulting from companies needing to find growth outside of their core businesses While the financial media misses the story, Lewitt pulls no punches explaining how all of these trends are leading to the brink of another crisis. Lewitt lays out a survival plan for the average investor to protect their assets when the debt bubble bursts. The first edition of this book expressed hope that policymakers would not let the financial crisis go to waste. This book urges investors to learn from the crushed hope and take action before the next crisis.
(source: Nielsen Book Data)

• Preface and Overview xv
• I A Firm's Role in Society
• 1 Overview of the Pragmatic Theory of the Firm 3
• The Nucleus of the Pragmatic Theory of the Firm 4
• The Evolution of Thinking about the Theory of the Firm 7
• Kindred Spirits for the Pragmatic Theory of the Firm 10
• Innovation and Economic Growth 16
• The Purpose of the Firm 24
• The Pragmatic Theory of the Firm 30
• 2 Knowledge Building and Firm Performance 33
• The Knowledge-Building Path to Improved Performance 34
• The Knowledge-Building Loop 35
• Human Behavior, Culture, and Firm Performance 44
• Elegant, Parsimonious, and Reliable Theories 48
• 3 Work, Innovation, and Resource Allocation 53
• Lean Thinking-"No Problem is a Problem" 55
• The Theory of Constraints 60
• Ontological/Phenomenological Model 64
• Innovation 69
• Resource Allocation 71
• The Key Constraint in Sustaining a Knowledge-Building Culture 75
• II The Pragmatic Theory of the Firm Connects Innovation and Valuation
• 4 Life-Cycle Performance and Firm Risk 81
• The Firm's Competitive Life Cycle 84
• A Paranoid Optimist Restructures Nokia 90
• A Case Study of Innovation-Amazon 93
• The Life-Cycle Valuation Model 96
• What Does a Stock Price Say about a Firm's Future Investments? 99
• Forward-Looking, Market-Implied Discount Rate 101
• The Roots of Modern Finance 103
• Firm Risk Offers a Different Mindset 106
• Summary of Key Ideas 110
• A Research Methodology for Advancing the Life-Cycle Framework 111
• Better Estimates of the investor Discount Rate 116
• 5 Intangible Assets, Brands, and Shareholder Returns 121
• The New Economy and Connectivity-Enabled Business
• Models 123
• Empirical Evidence about Intangible Assets 126
• Brands Impact a Firm's Market Value 129
• A Conceptual Roadmap for Handling Intangible Assets 133
• Integrated Reports, Life-Cycle Reviews, and Intangibles 139
• Expect More Than Coffee-Starbucks 143
• Costco Starts by Caring for Its Employees 145
• Ringing Doorbells and Changing Times-Avon 148
• Why Did Illumina Outperform the Stock Market 18-Fold from 2004 to 2014? 150
• The Efficient Market Hypothesis and the Factor Zoo 153
• Excess Shareholder Returns and Three Levels of Cause-and-Effect Logic 157
• Useful Ideas for Investors, Managements, and Academic Researchers 164
• Investors 164
• Managements 166
• Academic Researchers 167
• System Principles and Effective Language 168
• III Value Creation
• 6 Life-Cycle Position, Adaptability, and Organizational Structure 181
• Life-Cycle Guideposts 182
• Focused Execution of an Innovative Business Model-Netflix 183
• Innovation in the Operating Room-Intuitive Surgical 188
• Nothing Runs Like a Deere 191
• Smith Corona and NCR 194
• The ABCs of Organizational Structure 198
• Organizational Experimentation at the Haier Group 204
• Value Creators Drive Dynamism in China 209
• 7 Achieving Progress Through Knowledge Building and Value Creation 213
• The New Economy and the Pragmatic Theory of the Firm 214
• Life-Cycle Track Records are a Scorecard and a Learning Tool 222
• Politics and the Greater Good 224
• Progress Studies 230
• About the Author 239
• Index 241.
• (source: Nielsen Book Data)

PRAISE FOR VALUE CREATION PRINCIPLES "In Value Creation Principles, Madden introduces the Pragmatic Theory of the Firm that positions the firm as a system fueled by human capital, innovation, and, at a deeper level, imagination. He challenges us to understand how we know what we think we know in order to better discover faulty assumptions that often are camouflaged by language. His knowledge building loop offers guideposts to design experiments and organize feedback to facilitate early adaptation to a changed environment and to avoid being mired in ways of thinking rooted in 'knowledge' of what worked well in the past a context far different from the context of today. His book explains a way of being that enables those who work for, or invest in, business firms to see beyond accounting silos and short-term quarterly earnings and to focus on capabilities instrumental for creating long-term future and sustainable value for the firm's stakeholders. I can't recommend this astounding book enough especially given its deep and timely insights for our world today." John Seely Brown, former Chief Scientist for Xerox Corp and Director of its Palo Alto Research Center (PARC); co-author with Ann Pendleton-Jullian of Design Unbound: Designing for Emergence in a White Water World "In contrast to existing abstract theories of the firm, Madden's pragmatic theory of the firm connects management's decisions in a practical way to a firm's life cycle and market valuation. The book promotes a firm's knowledge building proficiency, relative to competitors, as the fundamental driver of a firm's long-term performance, which leads to insights about organizational capabilities, intangible assets, and excess shareholder returns. Value Creation Principles is ideally suited to facilitate progress in the New Economy by opening up the process by which firms build knowledge and create value, which is a needed step in revising how neoclassical economics treats the firm." Tyler Cowen, Professor of Economics, George Mason University; co-author of the popular economics blog Marginal Revolution "Bartley Madden rightfully points out that both textbook and more advanced economic theories of the firm fail to address the concerns of top management and boards of directors. He offers a tantalizing pragmatic alternative that directly connects to quantitative changes in the firm's market value. His framework gives recognition to the importance of intangible assets, and his pragmatic approach is quite complementary to the Dynamic Capabilities framework that strategic managers implicitly and sometimes explicitly employ." David J. Teece, Thomas W. Tusher Professor in Global Business, Faculty Director, Tusher Center for the Management of Intellectual Capital, Haas School of Business, University of California, Berkeley.
(source: Nielsen Book Data)

• CONTENTS
• Introduction: From Beginning to Beginning 1
• PART 1: BUILD THE FOUNDATIONS
• Chapter 1: Know Thyself 19
• Chapter 2: Pathways to Growth 37
• Chapter 3: Prepare to Buy 57
• Chapter 4: Assembling Your A-Team 71
• Chapter 5: Researching and Selecting a Market 83
• PART 2: BUILD THE RELATIONSHIPS
• Chapter 6: The Prospect Funnel 105
• Chapter 7: Making the First Contact 121
• Chapter 8: Face-to-Face with Opportunity 133
• Chapter 9: First Assessments 145
• Chapter 10: Negotiating with Prospects 163
• PART 3: BUILD THE DEAL
• Chapter 11: The LOI: A Gentleman's Agreement 177
• Chapter 12: Getting Down to Business 191
• Chapter 13: Integration: An End and a New Beginning 207
• Executive Summary: The Top Ten Lessons 221
• Glossary 225
• Resources 231
• Appendix: Sample Letter of Intent 235
• Index 243.
• (source: Nielsen Book Data)

Every company faces the inevitable challenge: stagnate or grow. One of the fastest ways for small- and mid-size companies to expand is through acquisition. Purchasing another company can seem daunting-but when done right, it can deliver outstanding rewards. Successful Acquisitions supplies the key information that business leaders need to know about finding and buying companies. Written by an M&A expert with more than $1 billion in transactions under his belt, the book's practical and comprehensive approach integrates all the moving pieces into a logical step-by-step process that covers: * The art and science of researching companies * Building and balancing an acquisition team * Valuation tips that look beyond the obvious * The importance of "the seller's equation" * Developing a negotiation platform * How to be tough and still protect the buyer-seller relationship * Guidelines for structuring an airtight deal * The letter of intent, due diligence, purchase agreement, funding, and other essentials * Bringing the deal to a timely close * A 100-day plan for making integration a success It's all here. From building the foundation to growing the relationships to cementing the deal, Successful Acquisitions is a complete roadmap to buying companies and achieving proactive strategic growth.
(source: Nielsen Book Data)

• Introduction 1 Financial Fear Factor 1 Don't Try This At Home 4 The Great Divide 6 "It's the environment, stupid!" 8 Revenge of the Nerds 10
• 1 Are We All Homo economicus Now? 12 Tragedy and the Wisdom of Crowds 12 A Random Walk through History 16 The Birth of Efficient Markets 20 Efficient Markets Unpacked 25 What to Expect When You're Expecting 28 Efficient Markets in Action 38
• 2 If You're So Smart, Why Aren't You Rich? 45 Rejecting the Random Walk 45 Risk versus Uncertainty and the Ellsberg Paradox 51 Losing Hurts More than Winning Feels Good 56 No-Limit Texas Hold 'em, Rogue Traders, and Regulators 59 Probability Matching and March Madness 62 Humans as Prediction Machines 65 It Takes a Theory to Beat a Theory 69 Culture Shock 71
• 3 If You're So Rich, Why Aren't You Smart? 75 Looking under the Hood 75 The Microscope of Neuroscience 76 Fear 78 Pain 85 Pleasure and Greed 87 Wired-Up Traders 92 The Stuff Good Traders Are Made Of 94 Mind over Money via Neural Currency 96 I Want It All, and I Want It Now 98
• 4 The Power of Narrative 102 A New Meaning of Rationality 102 The Human Fire Alarm and Sprinkler System 104 The Fear Factor and Finance 106 I Know You Know That I Know 108 Homo economicus and the Left Hemisphere 113 The Prefrontal Cortex as CEO 117 The Power of Self-Fulfilling Prophecies 123 Barbara Ficalora, the Best Third Grade Teacher Ever 124 Narrative Is Intelligence 128
• 5 The Evolution Revolution 135 A Day at the Zoo 135 The Evolution Revolution 136 Just-So Stories or Scientific Fact? 138 The Power of Selection 141 Variety Is the Spice of Life 144 "It's the environment, stupid!" 146 The Emergence of Homo sapiens 150 Enter Homo economicus 152 An Evolutionary Pecking Order 156 Swedish Twins and Savings 158 Evolution at the Speed of Thought 162 Sociobiology and Evolutionary Psychology 168 Survival of the Richest? 175
• 6 The Adaptive Markets Hypothesis 176 It Takes a Theory to Beat a Theory 176 Simon Says Satisfice 177 The Superman Jacket 182 The Adaptive Markets Hypothesis 185 Probability Matching Explained 189 Nature Abhors an Undiversified Bet 195 "It's the environment, stupid!" All Over Again 196 Homo economicus and Idiosyncratic Risk 198 The Origin of Risk Aversion 203 Efficient versus Adaptive Markets 206 Waylaid by Physics Envy 208 On the Shoulders of Giants 214
• 7 The Galapagos Islands of Finance 222 Quantum Mechanics 222 Mission Impossible 224 The Islands of Evolution 225 Hedge Fund Archipelago 227 An Evolutionary History of the Hedge Fund 231 The Birth of Quants 235 The Revenge of the Nerds 236 Quant Goes Mainstream 240 The Evolution of the Random Walk 244 Cell Phones and Kerala Fishermen 246
• 8 Adaptive Markets in Action 249 The Traditional Investment Paradigm 249 The Great Modulation 254 A New World Order 256 Risk/Reward and Punishment 258 The Democratization of Investing 263 New Species of Index Funds 265 Smart Beta versus Dumb Sigma 267 Disbanding the Alpha Beta Sigma Fraternity 271 The Random Walk Revisited 277 A New Investment Paradigm 282 The Quant Meltdown of August 2007 283 Forensic Finance 284 Adaptive Markets and Liquidity Spirals 289
• 1998 versus 2007 292
• 9 Fear, Greed, and Financial Crisis 296 Ecosystem Ecology 296 Financial Crisis 101 298 Clear as Rashomon 301 Not Enough Skin in the Game? 303 Regulators Asleep at the Wheel? 306 Red Pill or Blue Pill? 312 Could We Have Avoided the Crisis? 314 The Adaptive Markets Hypothesis Explains 318 (Ab)Normal Accidents 320 Liquidity Withdrawal Symptoms 324
• 10 Finance Behaving Badly 330 Finance Rules 330 Out-Ponzi-ing Ponzi 332 The Ultimatum Game 335 A Neuroscience of Morality? 338 Is Finance Fair? 340 Finance and the Gordon Gekko Effect 345 Regulatory Culture 349 Environment Strikes Again 352 Moore's Law versus Murphy's Law 355 The Tyranny of Complexity 361
• 11 Fixing Finance 365 An Ounce of Prevention 365 Ecosystem Management 366 Adaptive Regulation 368 Law Is Code 371 Mapping Financial Networks 375 The CSI of Crises 378 Privacy with Transparency 384 Anti-Gekko Therapies 387
• 12 To Boldly Go Where No Financier Has Gone Before 395 Star Trek Finance 395 "Computer, manage my portfolio!" 397 Curing Cancer 400 Eliminating Poverty 411 A New Narrative 415 I Want To Be Harvey Lodish 418 Notes 421 References 439 Acknowledgments 463 Index 469.
• (source: Nielsen Book Data)

A new, evolutionary explanation of markets and investor behavior Half of all Americans have money in the stock market, yet economists can't agree on whether investors and markets are rational and efficient, as modern financial theory assumes, or irrational and inefficient, as behavioral economists believe--and as financial bubbles, crashes, and crises suggest. This is one of the biggest debates in economics and the value or futility of investment management and financial regulation hang on the outcome. In this groundbreaking book, Andrew Lo cuts through this debate with a new framework, the Adaptive Markets Hypothesis, in which rationality and irrationality coexist. Drawing on psychology, evolutionary biology, neuroscience, artificial intelligence, and other fields, Adaptive Markets shows that the theory of market efficiency isn't wrong but merely incomplete. When markets are unstable, investors react instinctively, creating inefficiencies for others to exploit. Lo's new paradigm explains how financial evolution shapes behavior and markets at the speed of thought--a fact revealed by swings between stability and crisis, profit and loss, and innovation and regulation. A fascinating intellectual journey filled with compelling stories, Adaptive Markets starts with the origins of market efficiency and its failures, turns to the foundations of investor behavior, and concludes with practical implications--including how hedge funds have become the Galapagos Islands of finance, what really happened in the 2008 meltdown, and how we might avoid future crises. An ambitious new answer to fundamental questions in economics, Adaptive Markets is essential reading for anyone who wants to know how markets really work.
(source: Nielsen Book Data)

• A purposeful life
• The gluebot
• Apple envy
• Goodbye East Paly
• The childhood neighbor
• Sunny
• Dr. J
• The miniLab
• The wellness play
• "Who is LTC Shoemaker?"
• Lighting a Fuisz
• Ian Gibbons
• Chiat\day
• Going live
• Unicorn
• The grandson
• Fame
• The hippocratic oath
• The tip
• The ambush
• Trade secrets
• La mattanza
• Damage control
• The empress has no clothes
• Epilogue.

"The full inside story of the breathtaking rise and shocking collapse of a multibillion-dollar startup, by the prize-winning journalist who first broke the story and pursued it to the end in the face of pressure and threats from the CEO and her lawyers. In 2014, Theranos founder and CEO Elizabeth Holmes was widely seen as the female Steve Jobs: a brilliant Stanford dropout whose startup "unicorn" promised to revolutionize the medical industry with a machine that would make blood tests significantly faster and easier. Backed by investors such as Larry Ellison and Tim Draper, Theranos sold shares in a fundraising round that valued the company at $9 billion, putting Holmes's worth at an estimated $4.7 billion. There was just one problem: The technology didn't work. For years, Holmes had been misleading investors, FDA officials, and her own employees. When Carreyrou, working at The Wall Street Journal, got a tip from a former Theranos employee and started asking questions, both Carreyrou and the Journal were threatened with lawsuits. Undaunted, the newspaper ran the first of dozens of Theranos articles in late 2015. By early 2017, the company's value was zero and Holmes faced potential legal action from the government and her investors. Here is the riveting story of the biggest corporate fraud since Enron, a disturbing cautionary tale set amid the bold promises and gold-rush frenzy of Silicon Valley"-- Provided by publisher.
"The full inside story of the breathtaking rise and shocking collapse of Theranos--the Enron of Silicon Valley--by the prize-winning journalist who first broke the story and pursued it to the end in the face of pressure and threats from the CEO and her lawyers. In 2014, Theranos founder and CEO Elizabeth Holmes was widely seen as the female Steve Jobs: a brilliant Stanford dropout whose startup "unicorn" promised to revolutionize the medical industry with a machine that would make blood tests significantly faster and easier. Backed by investors such as Larry Ellison and Tim Draper, Theranos sold shares in an early fundraising round that valued the company at $9 billion, putting Holmes's worth at an estimated $4.7 billion. There was just one problem: the technology didn't work. For years, Holmes had been misleading investors, FDA officials, and her own employees. When Carreyrou, working at the Wall Street Journal, got a tip from a former Theranos employee and started asking questions, both Carreyrou and the Journal were threatened with lawsuits. Undaunted, the newspaper ran the first of dozens of Theranos articles in late 2015. By early 2017, the company's value was zero and Holmes faced potential legal action from the government and her investors. Here is the riveting story of the biggest corporate fraud since Enron, a disturbing cautionary tale set amid the bold promises and gold-rush frenzy of Silicon Valley"-- Provided by publisher.

"Academic, industry, and government experts provide a global survey of the financial services sector's transformation by AI, data science, and blockchain"-- Provided by publisher.

• 1994 to January 20, 2014
• January 20, 2014, to June 3, 2014
• June 3, 2014, to July 30, 2015
• February 20115 to late November 2015
• December 2015 to June 17, 2016
• June 17, 2016, to June 21, 2016
• June 21, 2016, to July 24, 2016
• July 24, 2016, to October 26, 2016
• September 13, 2016, to winter 2017
• July 2015 to July 19, 2017
• July 19, 2017, to November 4, 2017
• November 4, 2017, to January 20, 2018

In their short history, Bitcoin and other cryptocurrencies have gone through booms, busts, and internecine wars, recently reaching a market valuation of more than $2 trillion. The central promise of crypto endures-vast fortunes made from decentralized networks not controlled by any single entity and not yet regulated by many governments. The recent growth of crypto would have been all but impossible if not for a brilliant young man named Vitalik Buterin and his creation: Ethereum. In this book, Laura Shin takes readers inside the founding of this novel cryptocurrency network, which enabled users to launch their own new coins, thus creating a new crypto fever. She introduces readers to larger-than-life characters like Buterin, the Web3 wunderkind; his short-lived CEO, Charles Hoskinson; and Joe Lubin, a former Goldman Sachs VP who became one of crypto's most well-known billionaires. Sparks fly as these outsized personalities fight for their piece of a seemingly limitless new business opportunity. This fascinating book shows the crypto market for what it really is: a deeply personal struggle to influence the coming revolution in money, culture, and power.
(source: Nielsen Book Data)

• 1994 to January 20, 2014
• January 20, 2014, to June 3, 2014
• June 3, 2014, to July 30, 2015
• February 20115 to late November 2015
• December 2015 to June 17, 2016
• June 17, 2016, to June 21, 2016
• June 21, 2016, to July 24, 2016
• July 24, 2016, to October 26, 2016
• September 13, 2016, to winter 2017
• July 2015 to July 19, 2017
• July 19, 2017, to November 4, 2017
• November 4, 2017, to January 20, 2018

In their short history, Bitcoin and other cryptocurrencies have gone through booms, busts, and internecine wars, recently reaching a market valuation of more than $2 trillion. The central promise of crypto endures-vast fortunes made from decentralized networks not controlled by any single entity and not yet regulated by many governments. The recent growth of crypto would have been all but impossible if not for a brilliant young man named Vitalik Buterin and his creation: Ethereum. In this book, Laura Shin takes readers inside the founding of this novel cryptocurrency network, which enabled users to launch their own new coins, thus creating a new crypto fever. She introduces readers to larger-than-life characters like Buterin, the Web3 wunderkind; his short-lived CEO, Charles Hoskinson; and Joe Lubin, a former Goldman Sachs VP who became one of crypto's most well-known billionaires. Sparks fly as these outsized personalities fight for their piece of a seemingly limitless new business opportunity. This fascinating book shows the crypto market for what it really is: a deeply personal struggle to influence the coming revolution in money, culture, and power.
(source: Nielsen Book Data)

• Acknowledgments ix Introduction xi
• 1 Background: A Little Bit of "Retirement" History 1
• 2 The Current State of "Retirement" 5
• 3 Financial Socialization: Creating Spending, Budgeting, and Saving Habits 11
• 4 Our Money Personalities 17
• 5 Gaining a Healthy Perspective on Money 27
• 6 Your Baseline Values and Goals 33
• 7 Principles of Money Management: Save 45 How to Save 50 Saving for College 53 Student Loan Debt-Good or Bad? 56
• 8 Principles of Money Management: Spend 61 The Ins and Outs of Budgeting 63 Cars 70 Buying a House 72 How Long? 72 What Can I Afford? 72 Renting a House 73 What Can I Afford? 73 Skin in the Game 75 Earning Money 78 Taxes 79
• 9 Principles of Money Management: Share 81
• 10 Principles of Money Management: Invest 89 How the Stock Market Came to Be 94 Stock Market Basics 94 Reading Your Investment Account Statements 95 Time In the Market, Not Market Timing 100 The Planning Process 100 Why Am I Investing? 101 How Much Do I Need to Invest? 101 How Much Risk Should I Take? 102 What Should I Invest In? 102 The Psychology of Investing 103 Insurance 106
• 11 The Bucket Approach: Putting It All Together 111 Buckets 112
• 12 What Does a Good Financial Advisor Do? 117
• 13 Last Thoughts 121
• 14 Family Mission Statement 125 Conclusion 128
• 15 Let's Recap 131 Additional Resources 133 Books 133 Toy Learning 134 Apps 134 Index 137.
• (source: Nielsen Book Data)

Teach your children to make sound financial decisions. Prepare them to use their money wisely and with a purpose Money issues challenge every family, no matter their background. That's why Money Minded Families: How to Raise Financially Well Children offers advice on how every adult and child can be "financially well." The book explores how we can align our individual values with finances, while planning for a more secure financial future. It looks at how we can save, spend, share, and invest with a purpose. The author supplies financial basics for families and direction on creating a family mission statement, in order to help drive mindful financial choices. With the help of this book's holistic financial guidance, families can take steps to live their best financial lives, rather than simply getting by. Readers will find advice on: Practicing financial mindfulness Understanding the current financial landscape Spending with a focus on personal values Understanding key financial concepts Engaging in healthy financial socialization Becoming financially independent Today's financial environment sets up unique challenges, including concerns over Social Security, sky-high college costs, and debt. Kids are more likely to make their buying decisions online rather than in stores. It's important that children's knowledge about money begins in the home. When parents actively teach their kids about money, it can contribute to their chances of future financial success. Within Money Minded Families, parents will find tools for evaluating and improving their own financial wellness. They can also teach their children about positive financial health using the book's activities, which are organized by age.
(source: Nielsen Book Data)

• A purposeful life
• The gluebot
• Apple envy
• Goodbye East Paly
• The childhood neighbor
• Sunny
• Dr. J
• The miniLab
• The wellness play
• "Who is LTC Shoemaker?"
• Lighting a Fuisz
• Ian Gibbons
• Chiat\Day
• Going live
• Unicorn
• The grandson
• Fame
• The Hippocratic Oath
• The tip
• The ambush
• Trade secrets
• La mattanza
• Damage control
• The empress has no clothes
• Epilogue.

In 2014, Theranos founder and CEO Elizabeth Holmes was widely seen as the female Steve Jobs: a brilliant Stanford dropout whose startup "unicorn" promised to revolutionize the medical industry with a machine that would make blood tests significantly faster and easier. Backed by investors such as Larry Ellison and Tim Draper, Theranos sold shares in a fundraising round that valued the company at $9 billion, putting Holmes's worth at an estimated $4.7 billion. There was just one problem: The technology didn't work. For years, Holmes had been misleading investors, FDA officials, and her own employees. When John Carreyrou, working at The Wall Street Journal, got a tip from a former Theranos employee and started asking questions, both Carreyrou and the Journal were threatened with lawsuits. Undaunted, the newspaper ran the first of dozens of Theranos articles in late 2015. By early 2017, the company's value was zero and Holmes faced potential legal action from the government and her investors. The biggest corporate fraud since Enron is a cautionary tale set amid the bold promises and gold-rush frenzy of Silicon Valley.

"Frequent New Yorker contributor Jake Halpern investigates the shadowy, unregulated world of consumer debt collection, focusing on an unlikely friendship between a former banking executive and former armed robber who go in search of "paper, " spreadsheets of uncollected debt sold off by banks for pennies on the dollar"-- Provided by publisher.

• I: The individual. Employees ; The boss ; The consumer ; The poor ; The rich ; Work, money, and happiness
• II: The company. Manufacturing ; Investments ; Profits ; Business models ; The product ; The organization ; The team ; Finances ; The customers
• III: The national economy. The US economy ; The state and politics ; Growth ; Competition ; Money ; The labor market ; Prosperity
• IV: The global economy. Global production ; World trade ; Illegal global markets ; The institutions ; The global financial market ; Multinationals and brand names ; Talent distribution an labor migration
• V: Theory. Aristotle ; Adam Smith ; Karl Marx ; F.W. Taylor ; J.M. Keynes ; Milton Friedman ; Amartya Sen
• VI: Environment and resources. Sustainability ; Resources ; Farming and the food industry ; Business ethics ; Waste & recycling ; Economic policy ; Green tech
• VIII: The future. Megatrents ; Innovation ; Digitalization ; Automation ; The future of work ; The future of finance ; Saving the best for last.

The economy is a complex, world-spanning, layer-upon-layer-upon-layer behemoth; one could argue that there's almost nothing in our lives that isn't in some way connected to the worlds of business and finance. And yet few of us truly understand it-even the world's foremost economists can't seem to agree on how it runs. The Global Economy as You've Never Seen It shows how the economy works in 99 brilliantly illustrated infographics that everyone can understand. From labour to business to finance to theory, and from the things you buy and the way you buy them to the way everything is made, infographic specialist Jan Schwochow and author Thomas Ramge bring to life every facet of the economic web that makes the world go. With its endlessly varied, information-rich visuals, this book invites us to see the economy differently-and to finally understand how it all fits together.
(source: Nielsen Book Data)