(Read and download) Investment as A Drive of Economic Growth

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Investment as A Drive of Economic Growth

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Author : K. S. Arockiasamy, B. Revathy
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Description : The growth of the economy is reflected through the rise in incomes of the people, but development is a wider term, which includes both growth and qualitative improvement in the standard of living of the people and a better distribution of incomes. Development thus involves a rise in the level of income and the level of investments leads to better standard of living in general through growth plus socio-economic changes and development. The inflation is creeping up, to almost 8 percent at times, and this means that the value of money saved goes down instead of going up. In today’s less income growth and highly increasing cost of living economy, one has to know how to use his/her savings or idle funds to generate higher returns. A bewildering range of investment alternatives is available. Savings form an important part of the economy of any nation. With the savings invested in various options available to the people, the money acts as the driver for growth of the country. Indian financial scene too presents a plethora of avenues to the investors. Though certainly not the best or deepest of markets in the world, it has reasonable options for an ordinary man to invest his savings. At present an individual has a variety of investment opportunities. As there are different types of investment channels, public get confused when and where they plan to make investment, by selecting the best sort of investment and rejecting the rest is very difficult to the investors. Hence one must pay much attention as regards to investment decision. An investment decision must be made with definite objectives. Before proceeding, the investor should be very clear as to specific requirements and aspirations. It could be a return or capital appreciation or safety or tax relief or any other peculiar factor that a particular investor desires. Depending upon that and on the basis of the objectives, investors make the investment decision by selection. Such a process offers the silver lining of golden return to investors. People invest to multiply their savings in order to fulfill their aspirations for a bigger house, a higher education for their children or a secured retirement for them. To achieve these objectives, the investor has a wide variety of products and services to choose from. One can deposit savings in a bank account, buy shares or bonds on the stock exchange, or buy a life insurance policy or invest in a retirement plan among other investment alternatives. This book highlights the different investment avenues available to the investors, investigates the reasons behind the investment decisions, and identifies the factors influencing the preference of the investors. It also analyzes the investors attitudes towards a specific investment pattern and puts forth the problems faced by the professionals in the process of building their investment pattern. Saving entails a tradeoff because it requires consuming less now in exchange for later consuming more. While those who sacrifice to save now can themselves enjoy higher consumption in the future, some of the resulting increase in the nation’s stock and the related income will also benefit future generations. Thus current saving and investment decision have profound implication for the level of wellbeing in the future and current generations are in a sense stewards of the economy on behalf of future generations.

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[Read download] New Countries: Capitalism, Revolutions, and Nations in the Americas, 1750-1870

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New Countries: Capitalism, Revolutions, and Nations in the Americas, 1750-1870

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Author : From Duke University Press Books
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Description : After 1750nbsp;the Americas lived political and popular revolutions, the fall of European empires, and the rise of nations as the world faced a new industrial capitalism. Political revolution made the United States the first new nation; revolutionary slaves made Haiti the second, freeing themselves and destroying the leading Atlantic export economy. A decade later, Bajiacute;o insurgents took down the silver economy that fueled global trade and sustained Spainrsquo;s empire while Britain triumphed at war and pioneered industrial ways that led the U.S. South, still-Spanish Cuba, and a Brazilian empire to expand slavery to supply rising industrial centers. Meanwhile, the fall of silver left people from Mexico through the Andes searching for new states and economies. After 1870 the United States became an agro-industrial hegemon,nbsp;and most American nations turned to commodity exports, while Haitians and diverse indigenous peoples struggled to retain independent ways. nbsp;nbsp;

As you become older, the concept is that you turn out to be a extra skilled driver and due to this fact match into a lower legal responsibility level with your insurance firm. Thus your insurance premiums mirror the acquire in experience. However, for those who fail to learn from your errors and continue to trigger problems on the street, your car insurance coverage premiums will reflect your lack of learning and keep the same or, in quite a lot of instances, increase.

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[Pdf free] Empirische Bilanzanalyse versus Kennzahlenanalyse: Vor- und Nachteile der Verfahren (German Edition)

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Empirische Bilanzanalyse versus Kennzahlenanalyse: Vor- und Nachteile der Verfahren (German Edition)

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Author : Tobias Drabinski
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Description : Studienarbeit aus dem Jahr 2013 im Fachbereich BWL – Rechnungswesen, Bilanzierung, Steuern, Note: 1,7, Hochschule fuuml;r Technik und Wirtschaft Berlin, Veranstaltung: Aktuelle Probleme im Rechnungswesen, Sprache: Deutsch, Abstract: Thema dieser Hausarbeit ist es, die empirische Bilanzanalyse im Gegensatz zur Kennzahlenanalyse zu betrachten. Es ist dafuuml;r unerlauml;sslich, sich eine Vorstellung daruuml;ber zu machen, wer die verschiedenen Stakeholder einer Bilanzanalyse (BA) sind und welchen Informationsbedarf sie haben. Daher werden in dieser Hausarbeit auch die Kosten-Nutzen-Relationen im Hinblick auf die unterschiedlichen Interessenten betrachtet. Nach dem allgemeinem Teil uuml;ber die BA und deren Stakeholder, wird thematisch in die Kennzahlenanalyse (KZA) eingestiegen. Beginnend mit der Kennzahlenbildung wird es fachlich komplexer mit der Zusammenfassung der Kennzahlen zu Kennzahlensystemen. Nach dem allgemeinem Teil uuml;ber die Systeme, werden die Wichtigsten kurz vorgestellt, um anschlieszlig;end auch besser auf die Stauml;rken und Schwauml;chen eingehen zu kouml;nnen. Anschlieszlig;end werden die modernen Verfahren der Bilanzanalyse vorgestellt und erlauml;utert. Zunauml;chst wird die univariate Kennzahlenauswahl vorgestellt, um die danach folgend vorgestellte und erlauml;uterte Multivariate Diskriminanzanalyse (MDA) nicht nur besser zu verstehen, sondern auch die Stauml;rken und Schwauml;chen besser erlauml;utern zu kouml;nnen. Zum Ende des deskriptiven Teils wird die Kuuml;nstliche Neuronale Netzanalyse (KNNA) behandelt. Hier werden die Grundlagen und die besondere Bedeutung des Verfahrens herausgearbeitet. Beim Vergleich der Stauml;rken und Schwauml;chen der Verfahren der modernen Bilanzanalyse untereinander wird auch verstauml;rkt auf den speziellen Fall einer Unternehmenskrise eingegangen, da sich die modernen Verfahren besonders hierfuuml;r eignen und auch konzipiert werden. Da nun sowohl die KZA als auch die empirische Bilanzanalyse vorgestellt und erlauml;utert wurden, dabei auch jeweils die Stauml;rken und Schwauml;chen herausgearbeitet wurden, wird eine allgemeine Gegenuuml;berstellung vorgenommen. Unter Punkt 5 meiner Gliederung ,,Empirische Bilanzanalyse versus Kennzahlenanalyse” wird nicht nur auf die Stauml;rken und Schwauml;chen eingegangen, es wird der Fokus auf die Stakeholder und Bilanzanalysten gelegt und die Frage, wie mit den Vor- und Nachteilen der Verfahren umgegangen werden soll. Zum Ende der Hausarbeit folgt eine kritische Wuuml;rdigung, bei der die Aspekte aufgegriffen werden, die vorher noch nicht so deutlich herausgestellt wurden, meiner Meinung nach aber angesprochen werden sollten. Zudem gibt es einen Ausblick auf eine mouml;gliche Entwicklung der Verfahren und deren Bedeutung.

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[Mobile book] RAHASYA – THE SECRET (Hindi)

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[Mobile book] File size: 79.Mb

Author : Rhonda Byrne
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Description : , , , ? ,

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The GPS or the worldwide positioning system is a good companion of all of us at any time when we travel via unusual areas. Using a GPS is not going to lose the movement of the travel since it could actually guide you through the path with no time lag.

[Mobile book] Sovereign Credit Rating: Questionable Methodologies (Routledge Studies in Corporate Governance)

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Sovereign Credit Rating: Questionable Methodologies (Routledge Studies in Corporate Governance)

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Author : Ahmed Naciri
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Description : The current degradation of sovereign balance sheets raises very real concerns about how sovereign creditworthiness is measured by credit rating agencies. Given the disastrous economic and social effects of any downgrade, the book offers an alternative and calls for more transparency about the quantitative measures used in calibrating the rating process and how sovereign ratings are validated. It argues that oversight is required and procedures improved, including subjecting methodologies of assessing default to more standardization and monitoring. Sovereign Credit Rating explains the process of sovereign creditworthiness assessment and explores the consequences of possible inaccuracies in the process. Developing an innovative new methodology to assess ratings accuracy, it shows that the announcement of each rating action by the major credit rating agencies show alarming inconsistencies. Written by an internationally recognized author and professor, this unique book will be of interest to researchers and advanced students in corporate governance, accounting, public finance and regulation.

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[Download free pdf] Miles and Miles of Texas: 100 Years of the Texas Highway Department

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Miles and Miles of Texas: 100 Years of the Texas Highway Department

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Author : Carol Dawson, Roger Allen Polson
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Description : On the eve of its centennial, Carol Dawson and Roger Allen Polson present almost 100 years of history and never-before-seen photographs that track the development of the Texas Highway Department. An agency originally created ldquo;to get the farmer out of the mud,rdquo; it has gone on to build the vast network of roads that now connects every corner of the state. When the Texas Highway Department (now called the Texas Department of Transportation or TxDOT) was created in 1917, there were only about 200,000 cars in Texas traveling on fewer than a thousand miles of paved roads. Today, after 100 years of the Texas Highway Department, the state boasts over 80,000 miles of paved, state-maintained roads that accommodate more than 25 million vehicles. Sure to interest history enthusiasts and casual readers alike, decades of progress and turmoil, development and disaster, and politics and corruption come together once more in these pages, which tell the remarkable story of an infrastructure 100 years in the making.

The principles are mainly just like these of most states in the country, however Georgia has a Shopper Service Division which is a part of Department of Insurance to settle. Any dispute between policyholders (the insured) and agents or insurers. The department will accept any complaint in opposition to insurers or agents and conduct investigations regarding the issues acknowledged within the criticism.

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(Read ebook) Raising Arizona’s Dams: Daily Life, Danger, and Discrimination in the Dam Construction Camps of Central Arizona, 1890s-1940s

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Raising Arizona’s Dams: Daily Life, Danger, and Discrimination in the Dam Construction Camps of Central Arizona, 1890s-1940s

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Author : A. E. Rogge, D. Lorne McWatters, Melissa Keane, Richard P. Emanuel
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Description : This is the engrossing story of the unsung heroes who did the day-to-day work of building Arizona’s dams, focusing on the lives of laborers and their families who created temporary construction communities during the building of seven major dams in central Arizona. The book focuses primarily on the 1903-1911 Roosevelt Dam camps and the 1926-1927 Camp Pleasant at Waddell Dam, although other camps dating from the 1890s through the 1940s are discussed as well. The book is liberally illustrated with historic photographs of the camps and the people who occupied them while building the dams.

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conventional Texas insurance coverage policy.

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[Library ebook] Social Protection Programs for Africa’s Drylands (World Bank Studies)

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Social Protection Programs for Africa’s Drylands (World Bank Studies)

[Library ebook] File size: 55.Mb

Author : Carlo del Ninno, Sarah Coll-Black, Pierre Fallavier
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Description : Social Protection Programs for Africarsquo;s Drylands explores the role of social protection in promotingthe well-being and prosperity of people living in dryland regions of Sub-Saharan Africa, with aspecifi c focus on the Sahel and the Horn of Africa. Based on a review of recent experience, it arguesthat social protection policies and programs have an important role in promoting the resilience ofthe people residing in these areas. Social protection programs, when well designed and carefullyimplemented at scale, can reduce vulnerability to droughts and other shocks and promote copingcapacity.If present trends continue, by 2030 dryland regions of East and West Africa will be home to anestimated 429 million people, up to 24 percent of whom will be living in chronic poverty. Manyothers will depend on livelihood strategies that are sensitive to the shocks that will hit the regionwith increasing frequency and severity, making them vulnerable to falling into transient poverty.Social protection programs will be needed in the drylands to provide support to those unable tomeet their basic needs. Some of these people will require long-term support, while others willrequire periodic short-term support because of income losses due to shocks (for example, cropfailure following a drought) or as a result of lifecycle changes (for example, loss of a breadwinner).Safety net programs can increase resilience in the short term by improving coping capacity ofvulnerable households. Rapidly scalable safety nets that provide cash, food, or other resources toshock-affected households can allow them to recover from unexpected shocks. Scaling up anexisting safety net program can be far less expensive than relying on appeals for humanitarianassistance to meet urgent needs.Social protection programs can increase resilience over the longer term by reducing sensitivity toshocks of vulnerable households especially if combined with other development programs. Providingpredictable support to chronically poor households and enabling them to invest in productiveassets and access basic social services can effectively reduce these householdsrsquo; sensitivity to futureshocks, help them participate in the growth process, and take advantage of the investments made inagricultural and pastoralist activities proposed in the drylands.

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[Ebook free] Innovation Policy and the Economy 2015: Volume 16 (National Bureau of Economic Research Innovation Policy and the Economy)

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Innovation Policy and the Economy 2015: Volume 16 (National Bureau of Economic Research Innovation Policy and the Economy)

[Ebook free] File size: 58.Mb

Author : From University of Chicago Press Journals
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Description : The papers in the sixteenth volume of the National Bureau of Economic Researchrsquo;s Innovation Policy and the Economy offer insights into the changing landscape of innovation by highlighting recent developments in the financing of innovation and entrepreneurship and in the economics of innovation and intellectual property. The first chapter, by Ramana Nanda and Matthew Rhodes-Kropf, explores the process of experimentation in the context of financing of technology start-ups by venture capitalists. The second, by Yael Hochberg, also analyzes the role of entrepreneurial experimentation by systematically examining the rise of start-up accelerators. The third chapter, by Heidi Williams, studies the relationship between the strength of intellectual property rights and innovation. The fourth paper, by Fiona Scott Morton and Carl Shapiro discusses recent changes to the patent system and whether they align the rewards from intellectual property with the marginal contributions made by innovators and other stakeholders. The final chapter, by Karim Lakhani and Kevin Boudreau, focuses on the potential use of field innovation experiments and contests to inform innovation policy and management. Together, these essays continue to highlight the importance of economic theory and empirical analysis in innovation policy research.

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What Different Guidelines Govern Texas Auto Insurance coverage?

Such gray market merchandise affect the brand and the repute of the unique producer. Despite being made to seem like the original, these products aren’t the original product. Even though they may be sold at perhaps 1/4th of the original value, the price is way less than the real product. The safety of your automobile might be compromised, and it might have many different sorts of problems, from half failure to greater fuel consumption to greater levels of air pollution. Probably the most pressing downside with using fakes is that, while you may really feel you’ve gotten an excellent deal when it comes to price, you will never get the intended impact that the unique product can offer. By way of high quality and durability, you will at all times be at a loss in case you go for counterfeit products.

[E-BOOK] How to Speak So People Really Listen: The straight-talking guide to communicating with influence and impact

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How to Speak So People Really Listen: The straight-talking guide to communicating with influence and impact

[E-BOOK] File size: 16.Mb

Author : Paul McGee
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Description : Learn how to inspire your audience with best-selling author Paul McGee!13 things you’ll discover when reading this book… 1. The big lesson Steve Jobs learnt when an advertising exec threw something at him… and how it will help how you communicate. 2. Seven ways to manage your nerves (surprisingly, you donrsquo;t want to eliminate them). 3. Why our obsession with body language is totally wrong, and what to focus on instead. 4. Why you must think about a beachball before you next speak. Believe me, itrsquo;s essential. 5. A question your audience is always thinking, and how to ensure you provide the answer. 6. The most common mistake experienced presenters make that nervous ones never do. 7. Why so many presentations cure insomnia, and how to make sure yoursquo;re serving an extra strong double espresso instead. 8. The number one thing most presenters forget to bring when theyrsquo;re speaking to others. 9. Discover the most underprepared part of your presentation, and how to avoid making the same mistake. 10. What womenrsquo;s magazines and TV soap operas have to teach us about audience engagement. 11. What I learnt from a guy with one of the most powerful memories on the planet, and how it can transform your communication. 12. Discover Tony Blairrsquo;s biggest fear when Prime Minister, and how you can tackle the same issue with confidence. 13. Why you donrsquo;t have to be funny to use humour in your presentation, and three easy ways to do it.nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;

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SRS Lab, a leader within the manufacture of quality encompass sound voiced and audio technologies, just lately announced that the SRS CS Auto might be provided as an non-compulsory characteristic in the 2008 Subaru Impreza.

destruction of property.

The Middle for Disease Management and Prevention has all of the facts and statistics about teenage driving as well as other ages. And the numbers don’t lie. The majority of drivers concerned in accidents in the United States are folks between the age of sixteen to nineteen by a ratio of four to one. And youngsters usually tend to get into a automotive accident in the night and on the weekends once they aren’t in school (that statistic makes a lot of sense). Along with that, youngsters as well as older drivers with poor driving records reminiscent of points on their Department of Motor Autos report will probably be pushed into a better threat category. Also, should you reside in a excessive danger space of the United States, that additionally magnifies your danger factor within the eyes of your insurance company.