The Hidden Costs Of Hidden Debt
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The Hidden Costs Of Hidden Debt
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Author : Johan Almenberg
language : en
Publisher:
Release Date : 2012
The Hidden Costs Of Hidden Debt written by Johan Almenberg and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012 with categories.
The Hidden Debt
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Author : I. Rizzo
language : en
Publisher: Springer Science & Business Media
Release Date : 2012-12-06
The Hidden Debt written by I. Rizzo and has been published by Springer Science & Business Media this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-12-06 with Business & Economics categories.
Some years ago, when Principal and Professor of Economics at the infant Univer sity of Buckingham, Britain's only independent university, I was intrigued to receive an application, supported by strong recommendations from a Signora Ilde Rizzo, who wished to take some courses in public finance. As she was already an of Catania, noted for its expertise in the economics of Assistant at the University public finance, my colleagues and I brushed aside her modest request to attend undergraduate courses and enrolled her in our new graduate course. We also hoped that she might, in time, be able to gain experience in teaching and writing in English. Dr. Rizzo exceeded our highest expectations. She presented the first D. Phil thesis ever at Buckingham and defended it with consummate success. This work is a revised and extended version of her thesis, and it is a pleasure to congratu late Dr. Rizzo on its appearance, and also her publisher for recognizing its qUality. It will come as no surprise to the reader that Dr. Rizzo has already published extensively in Italian and also in English, but this is her first book in the latter language. I am glad to think that Dr. Rizzo's thesis arose out of our mutual interest in the question as to whether debt financing offered governments a major opportunity for maintaining the growth of public spending.
The Hidden Debt
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Author : Ilde Rizzo
language : es
Publisher:
Release Date : 1990
The Hidden Debt written by Ilde Rizzo and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1990 with categories.
Environmental Debt
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Author : Amy Larkin
language : en
Publisher: St. Martin's Press
Release Date : 2013-06-25
Environmental Debt written by Amy Larkin and has been published by St. Martin's Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-06-25 with Business & Economics categories.
An award-winning environmental activist and social entrepreneur exposes the link between our financial and environmental crises For decades, politicians and business leaders alike told the American public that today's challenge was growing the economy, and that environmental protection could be left to future generations. Now in the wake of billions of dollars in costs associated with coastal devastation from Hurricane Sandy, rampant wildfires across the West, and groundwater contamination from reckless drilling, it's becoming increasingly clear that yesterday's carefree attitude about the environment has morphed into a fiscal crisis of epic proportions. Amy Larkin has been at the forefront of the fight for the environment for years, and in Environmental Debt she argues that the costs of global warming, extreme weather, pollution and other forms of "environmental debt" are wreaking havoc on the economy. Synthesizing complex ideas, she pulls back the curtain on some of the biggest cultural touchstones of the environmental debate, revealing how, for instance, despite coal's relative fame as a "cheap" energy source, ordinary Americans pay $350 billion a year for coal's damage in business related expenses, polluted watersheds, and in healthcare costs. And the problem stretches far beyond our borders: deforestation from twenty years ago in Thailand caused catastrophic flooding in 2011, and cost Toyota 3.4 percent of its annual production while causing tens of thousands of workers to lose jobs in three different countries. To combat these trends, Larkin proposes a new framework for 21st century commerce, based on three principles: 1) Pollution can no longer be free; 2) All business decision making and accounting must incorporate the long view; and 3) Government must play a vital role in catalyzing clean technology and growth while preventing environmental destruction. As companies and nations struggle to strategize in the face of global financial debt, many businesses have begun to recognize the causal relationship between a degraded environment and a degraded bottom line. Profiling the multinational corporations that are transforming their operations with downright radical initiatives, Larkin presents smart policy choices that would actually unleash these business solutions to many global financial and environmental problems. Provocative and hard-hitting, Environmental Debt sweeps aside the false choices of today's environmental debate, and shows how to revitalize the economy through nature's bounty.
Land Of The Fee
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Author : Devin Fergus
language : en
Publisher: Oxford University Press
Release Date : 2018
Land Of The Fee written by Devin Fergus and has been published by Oxford University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018 with BUSINESS & ECONOMICS categories.
Politicians, economists, and the media have put forth no shortage of explanations for the mounting problem of wealth inequality - a loss of working class jobs, a rise in finance-driven speculative capitalism, and a surge of tax policy decisions that benefit the ultra-rich, among others. Whilethese arguments focus on the macro problems that contribute to growing inequality, they overlook one innocuous but substantial contributor to the widening divide: the explosion of fees accompanying virtually every transaction that people make.As Devin Fergus shows in Land of the Fee, these perfectly legal fees are buried deep within the verbose agreements between vendors and consumers - agreements that few people fully read or comprehend. The end effect, Fergus argues, is a massive transfer of wealth from the many to the few: largebanking corporations, airlines, corporate hotel chains, and other entities of vast wealth. Fergus traces the fee system from its origins in the deregulatory wave of the late 1970s to the present, placing the development within the larger context of escalating income inequality. He organizes the bookaround four of the basics of existence: housing, work, transportation, and schooling. In each category, industry lobbyists successfully influenced legislatures into transforming the law until surreptitious fees became the norm.The average consumer is now subject to a dizzying array of charges in areas like mortgage contracts, banking transactions, auto insurance rates, college payments, and payday loans. The fees that accompany these transactions are not subject to usury laws and have effectively redistributed wealth fromthe lower and middle classes to ultra-wealthy corporations and the individuals at their pinnacles. By exposing this predatory and nearly invisible system of fees, Land of the Fee will reshape our understanding of wealth inequality in America.
Hidden Debt
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Author : Martin Melecky
language : en
Publisher: World Bank Publications
Release Date : 2021-07-15
Hidden Debt written by Martin Melecky and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-07-15 with Business & Economics categories.
The COVID-19 crisis, which has sent economies in South Asia and around the world into a deep recession, has highlighted South Asia’s rising debt levels and sizable hidden liabilities. State-owned enterprises, state-owned commercial banks, and public-private partnerships have been at the center of the rising debt wave and the latest pandemic response. Historically,South Asia has relied on these direct public interventions more than other regions. The interventions have helped governments tackle key development challenges and rapidly deliver relief measures during crises. However, because of their inefficiencies and weak governance, the interventions are also a significant source of public indebtedness and macrofinancial risks. Hidden Debt examines the trade-off between tackling development challenges through direct state presence in the market and avoiding unsustainable debt due to economic inefficiencies of such off†“balance sheet operations, which greatly leverage public capital. The study recommends a reform agenda based on the four interrelated principles of purpose, incentives, transparency, and accountability (PITA). The reforms can mitigate the risks that off†“balance sheet operations will become the source of the next financial crisis in South Asia.
The Hidden Costs Of Water Provision
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Author : Simon Porcher
language : en
Publisher:
Release Date : 2019
The Hidden Costs Of Water Provision written by Simon Porcher and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019 with categories.
In France, the management of public services such as water or sanitation can be done by the municipal council or contracted out to a private operator. This paper quantifies the impact of the choice of contracting out the management of water public services on price. It uses a unique dataset of utilities with unusual detailed financial indicators, such as debt of the water public service. We find evidence that private management is associated with higher prices on average ceteris paribus but that this difference disappears when we account for the 'hidden costs' of water, i.e. the price taking into consideration debt refunding of the public service which could increase the price in the following years. Indeed, private management is characterized by higher tariffs but lower debt level so that the price ensure the full-costs recovery while under public management, prices are set at a lower level than under private management but with a higher debt of the public service.
Hiding Public Debt
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Author : Hoe Joeng Kim
language : en
Publisher:
Release Date : 2002
Hiding Public Debt written by Hoe Joeng Kim and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2002 with categories.
Credit Where It S Due
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Author : Frederick F. Wherry
language : en
Publisher: Russell Sage Foundation
Release Date : 2019-04-26
Credit Where It S Due written by Frederick F. Wherry and has been published by Russell Sage Foundation this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-04-26 with Social Science categories.
An estimated 45 million adults in the U.S. lack a credit score at time when credit invisibility can reduce one’s ability to rent a home, find employment, or secure a mortgage or loan. As a result, individuals without credit—who are disproportionately African American and Latino—often lead separate and unequal financial lives. Yet, as sociologists and public policy experts Frederick Wherry, Kristin Seefeldt, and Anthony Alvarez argue, many people who are not recognized within the financial system engage in behaviors that indicate their credit worthiness. How might institutions acknowledge these practices and help these people emerge from the financial shadows? In Credit Where It’s Due, the authors evaluate an innovative model of credit-building and advocate for a new understanding of financial citizenship, or participation in a financial system that fosters social belonging, dignity, and respect. Wherry, Seefeldt, and Alvarez tell the story of the Mission Asset Fund, a San Francisco-based organization that assists mostly low- and moderate-income people of color with building credit. The Mission Asset Fund facilitates zero-interest lending circles, which have been practiced by generations of immigrants, but have gone largely unrecognized by mainstream financial institutions. Participants decide how the circles are run and how they will use their loans, and the organization reports their clients’ lending activity to credit bureaus. As the authors show, this system not only helps clients build credit, but also allows them to manage debt with dignity, have some say in the creation of financial products, and reaffirm their sense of social membership. The authors delve into the history of racial wealth inequality in the U.S. to show that for many black and Latino households, credit invisibility is not simply a matter of individual choices or inadequate financial education. Rather, financial marginalization is the result of historical policies that enabled predatory lending, discriminatory banking and housing practices, and the rollback of regulatory protections for first-time homeowners. To rectify these inequalities, the authors propose common sense regulations to protect consumers from abuse alongside new initiatives that provide seed capital for every child, create affordable short-term loans, and ensure that financial institutions treat low- and moderate-income clients with equal respect. By situating the successes of the Mission Asset Fund in the larger history of credit and debt, Credit Where It’s Due shows how to prioritize financial citizenship for all.
The Hidden Constituents Of Cost Of Capital
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Author : Anina Van Aswegen
language : en
Publisher:
Release Date : 2013
The Hidden Constituents Of Cost Of Capital written by Anina Van Aswegen and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with categories.
The concept of capital has been a much debated issue throughout economic, accounting and finance history. In economics it was defined as the financial resources utilised by companies while other definitions indicated it represented the actual capital goods themselves. This dualistic meaning of capital has led to various interpretations of the concept of capital and these different interpretations can also be found in the cost of capital model. The cost of capital model is a decision-useful financial tool employed by management to make decisions regarding the financing of projects, performance measurement and risk and return management. The two main forms of funding are debt and equity resources. The cost of capital model was built on the accounting interpretation and classification of the different debt and equity sources of funding. As time went by the financial markets became more sophisticated and new innovative instruments were introduced to help raise financing for companies. Some of these sophisticated instruments and accounting book entries are normally not included in discussion on capital structure and the cost of capital model. The aim of this research is to unbundle and understand the different dimensions of the cost of capital with special focus on the impact of accounting classification on hybrid financial instruments and certain accounting book entries. The balance sheet items that have revealed themselves as grey areas of the accounting classification and the hidden constituents of the cost of capital include accounting book entries such as deferred tax and accumulated depreciation, hybrid financial instruments and the effect of cash. Currently these instruments pose questions as to their proper debt-equity classification or can have an impact on the capital structure of an organisation. An adjusted model will be presented that will incorporate any hidden areas related to the debt-equity accounting classification schema. The introduction of these items into the cost of capital model will make it more robust and it will become an even more decision-useful tool for management and analysts a like.