The poems in Lynn Xu's striking debut collection, Debts & Lessons, travel under the power of history's illusory engine and echo its ululations of love, violence, and lament. Named after the first part of Marcus Aurelius's Meditations, this book also finds its way across oceans and between languages, as the poet looks to the dead for guidance amid the abstractions of contemporary life. Xu pays her phantoms (and her readers) with the dream-currency of hallucinatory songs, which balance her finely-tuned ear against a world of awakenings.
Does fear and insecurity keep you from looking at your bank account? Is your financial anxiety holding you captive? You don’t have to stress about money anymore. YOU can take back control. As a newly divorced single mom making $24,000 per year and facing down $77,000 in debt, Kumiko Love worried constantly about money. She saw what other moms had—vacations, birthday parties, a house full of furniture—and felt ashamed that she and her son lived in a small apartment and ate dinner on the floor. Worse, when her feelings began to exhaust her, she binge-shopped, reasoning that she’d feel better after a trip to the mall. On the day she needed to pay for a McDonald’s ice cream cone without her credit card, she had an epiphany: Money is not the problem. Self-Doubt is the problem. Shame is the problem. Guilt is the problem. Society’s expectations for her are the problem. She is the solution. Once she reversed the negative thinking patterns pushing her toward decisions that didn’t serve her values or goals, her financial plan wrote itself. Now, she’s not only living debt-free in her dream home, which she paid for in cash, but she has spread her teachings around the world and helped countless women envision better lives for themselves and their families. Now, building on the lessons she’s taught millions as the founder of The Budget Mom, she shares a step by step plan for taking control back over your financial life—regardless of your level of income or your credit card balance. Through stories from navigating divorce to helping clients thrive through recessions, depression, eviction, layoffs and so much more, you will learn foundational practices such as: How to use your emotions to your financial advantage, instead of letting them control you How to create a budget based on your real life, not a life of self-denial How to create a motivating debt pay-off plan that makes you excited about your future, instead of fearing it My Money My Way will give you the tools to align your emotional health with your financial health—to let go of deprivation and embrace desire. Love’s paradigm-shifting system will teach you how to honor your unique personal values, driving emotions, and particular needs so that you can stop worrying about money and start living a financially fulfilled life.
An epic journey through the economies of ancient civilizations, and how they managed debt versus social instability. Shocking historical truths about how debt played a central role in shaping (or destroying) ancient societies (viz: Rome), and that the Bible is preoccupied with debt, not sin, which has been disturbingly inverted in modern times.
In her debut book Dear Debt, personal finance expert Melanie Lockert combines her endearing and humorous personal narrative with practical tools to help readers overcome the crippling effects of debt. Drawing from her personal experience of paying off eighty thousand dollars of student loan debt, Melanie provides a wealth of money-saving tips to help her community of debt fighters navigate the repayment process, increase current income, and ultimately become debt-free. By breaking down complex financial concepts into clear, manageable tools and step-by-step processes, Melanie has provided a venerable guide to overcoming debt fatigue and obtaining financial freedom. Inside Dear Debt you will learn to: • Find the debt repayment strategy most effective for your needs • Avoid spending temptations by knowing your triggers • Replace expensive habits with cheaper alternatives • Become a frugal friend without being rude • Start a side hustle to boost your current income • Negotiate your salary to maximize value • Develop a financial plan for life after debt
Detailed case studies of debt defaults by Russia, Ukraine, Pakistan, Ecuador, Moldova, and Uruguay, framed by a comprehensive discussion of the history, economic theory, legal issues, and policy lessons of sovereign debt crises. The debt crises in emerging market countries over the past decade have given rise to renewed debate about crisis prevention and resolution. In Debt Defaults and Lessons from a Decade of Crises, Federico Sturzenegger and Jeromin Zettelmeyer examine the facts, the economic theory, and the policy implications of sovereign debt crises. They present detailed case histories of the default and debt crises in seven emerging market countries between 1998 and 2005: Russia, Ukraine, Pakistan, Ecuador, Argentina, Moldova, and Uruguay. These accounts are framed with a comprehensive overview of the history, economics, and legal issues involved and a discussion from both domestic and international perspectives of the policy lessons that can be derived from these experiences. Sturzenegger and Zettelmeyer examine how each crisis developed, what the subsequent restructuring encompassed, and how investors and the defaulting country fared. They discuss the new theoretical thinking on sovereign debt and the ultimate costs entailed, for both debtor countries and private creditors. The policy debate is considered first from the perspective of policymakers in emerging market countries and then in terms of international financial architecture. The authors' surveys of legal and economic issues associated with debt crises, and of the crises themselves, are the most comprehensive to be found in the literature on sovereign debt and default, and their theoretical analysis is detailed and nuanced. The book will be a valuable resource for investors as well as for scholars and policymakers.
Doing well with money isn’t necessarily about what you know. It’s about how you behave. And behavior is hard to teach, even to really smart people. Money—investing, personal finance, and business decisions—is typically taught as a math-based field, where data and formulas tell us exactly what to do. But in the real world people don’t make financial decisions on a spreadsheet. They make them at the dinner table, or in a meeting room, where personal history, your own unique view of the world, ego, pride, marketing, and odd incentives are scrambled together. In The Psychology of Money, award-winning author Morgan Housel shares 19 short stories exploring the strange ways people think about money and teaches you how to make better sense of one of life’s most important topics.
Abstract: "Greece and Italy initiated efforts to improve public debt management and develop their domestic debt markets respectively in the late 1970s and mid-1980s. At that time, both countries suffered from large and rapidly growing public debt, excessive reliance on short-term bills held by commercial banks, a strong preference of households to save in bank deposits, and a weak presence of institutional investors (pension funds, insurance companies, and mutual funds). Continuing large fiscal deficits, high levels of interest rates and inflation, and serious policy credibility problems impeded the use of long-term instruments. Campanaro and Vittas provide a detailed analysis of the characteristics of the instruments that were used in these two countries, their pace of issuance, and their impact on the composition of public debt. The authors note that the main Greco-Roman lesson for developing and transition countries concerns the transition from an excessive reliance on short-term Treasury bills, held by captive banks, to a liquid market with long-term instruments held, and actively traded, by long-term institutional investors. The transition required moving gradually to medium-term instruments, experimenting with innovation, and targeting households and foreign investors, while taking steps to establish policy credibility by lowering fiscal deficits and inflation. When reliance on captive sources of finance was substantially reduced and policy credibility was established, both countries focused on developing active money markets and liquid secondary markets with benchmark issues of fixed-rate long-term securities. They ultimately succeeded in developing active professional markets, using modern practices, targeting well-established European institutional investors, and integrating into the highly sophisticated euro markets. However, integration into the euro markets was the culmination of a prolonged effort of modernization and adaptation and was greatly facilitated by their strong political commitment to achieve economic convergence and join the euro zone. This paper a product of the Financial Sector Operations and Policy Department is part of a larger effort in the department to study public debt management and debt market development"--World Bank web site.
The Law of Success by Napoleon Hill in Sixteen Lessons (Illustrated) The Law of Success by Napoleon Hill is a comprehensive guide to achieving personal and professional success through timeless principles and practical advice. This illustrated edition brings Hill's teachings to life, making them even more accessible and engaging for readers. The Law of Success by Napoleon Hill From the Author of Books Like: Think and Grow Rich Success Through a Positive Mental Attitude Outwitting the Devil You Can Work Your Own Miracles Napoleon Hill’s Keys to Success The Master-Key to Riches Grow Rich! With Peace of Mind How to Sell Your Way Through Life "Whatever the mind can conceive and believe, it can achieve." From the principles of self-discipline to the importance of a positive mental attitude, this book offers a detailed roadmap on how to achieve success in every area of life. It provides insights on how to overcome failure, the importance of maintaining a definitive purpose, and the power of persistence and personal initiative. A timeless classic, Napoleon Hill’s The Law of Success has inspired millions to reach their full potential. With principles that remain as relevant today as when they were first written, this book continues to be a vital resource for anyone seeking personal and professional growth. Master the laws of success, harness your inner potential, and achieve extraordinary results with the help of Napoleon Hill. Written in his signature style, this book blends profound wisdom with practical advice, drawing on real-life examples from successful individuals and leaders. This book will help you: Develop a clear and definite purpose in life. Cultivate a positive mental attitude, essential for overcoming obstacles. Master self-discipline, the cornerstone of personal and professional success. Embrace the power of persistence to achieve your goals. Understand the importance of teamwork and cooperation. Create a plan of action and set out on the path to success. Full of timeless wisdom and practical advice, this comprehensive guide will equip you with the tools needed to navigate the challenges of life and achieve your dreams. Whether you are seeking to advance in your career, build lasting relationships, or find personal fulfillment, The Law of Success offers valuable insights that will help you on your journey. Napoleon Hill (October 26, 1883 – November 8, 1970) was an American self-help author and a pioneer in the field of personal development. Born in a one-room cabin in Virginia, he overcame many personal hardships to become one of the most influential writers on success and achievement. His book Think and Grow Rich is among the top 10 best-selling self-help books of all time. Summary of the Book The journey to success begins with a single step: defining your purpose. "A goal is a dream with a deadline." To achieve success, you must: A. Clearly define your goals and create a detailed plan for achieving them. B. Develop a burning desire to reach your goals, coupled with a positive mental attitude. C. Maintain unwavering faith in your ability to succeed, despite any obstacles you may encounter. Show respect for the dreams and ambitions of others. Never say, "You’re dreaming too big." Instead, consider that “every great achievement was once considered impossible.” Even if you believe someone’s goals are unrealistic, approach the conversation with humility and an open mind. Try something like: “I may not fully understand your vision, but I admire your determination. Let’s discuss how you plan to achieve it.”
