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1000 tulosta hakusanalla David Michaels

Risks and returns

Risks and returns

David Michael Gould; Martin Melecky

World Bank Publications
2017
nidottu
During the 1990s, Emerging Europe and Central Asia (ECA) chose a model of rapid financial development emphasizing bank credit expansion often funded by foreign capital. Although boosting financial inclusion of firms and households, the model was accompanied by lower efficiency and increased financial vulnerability. After two waves of crises, in the late 1990s and after 2008, ECA's banking systems again face major stress. The crises and stresses have eroded trust in banks and job creation in credit-dependent firms. ECA's shallow and illiquid capital markets offer no additional support. Stagnating income growth, particularly of middle- to lower-income earners, has led to increasing dissatisfaction with low productivity growth and limited opportunities. This frustration provides the impetus for reshaping financial policies. A healthy and balanced financial sector could strengthen structural adjustment in ECA's eastern, oil-dependent economies and innovation in its western countries. Risks and Returns: Managing Financial Trade-Offs for Inclusive Growth in Europe and Central Asia argues for reaching beyond increasing access to credit. ECA countries must build integrated financial systems, enabling prudent financial inclusion in a region significantly lagging in the use of saving products. Striking the right balance across all dimensions of financial development (stability, efficiency, inclusion, and overall depth) is crucial for achieving and sustaining inclusive growth. Redesigning financial policy involves addressing trade-offs often overlooked in the past. Too much credit and imprudent financial inclusion have led to banking crises. Overly stringent regulation to foster financial stability has hindered inclusion and efficiency gains. Both shortfalls have had negative consequences for shared prosperity. Risks and Returns discusses tools and approaches to help policy makers achieve balanced financial development.
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Critical connections

Critical connections

David Michael Gould

World Bank Publications
2018
nidottu
Critical Connections examines how trade, investment, migration, and other linkages among countries are drivers of economic growth in the Europe and Central Asia region. The study breaks new ground by using a multidimensional approach that recognises how each connectivity channel for growth is likely to be affected by the strength of other channels. A multidimensional view makes it easier to see that diversity in country connections and balance in all channels of connectivity are critical for achieving the greatest impact on growth.Europe and Central Asia provides a great laboratory for observing the role of multidimensional connectivity in action. Its 30 countries vary widely in the openness of their economies. The region's collective experience shows how the various elements of cross-border connectivity work together to accelerate progrowth knowledge transfers, which boost productivity through participation in today's global value chains. A country's economic partner might be just as important as the type of connection. Being well connected to highly connected countries can provide benefits beyond being well connected to comparatively isolated countries.Although greater connectivity can expose countries to external shocks, this book presents fact-based arguments for policies that seek to build deeper and more diverse connections within the Europe and Central Asia region and globally. The message is timely. Europe's once-confident march toward economic integration has slowed over the past decade, with voices in many countries questioning the wisdom of opening to the global economy. Critical Connections serves as a reminder to citizens and policy makers that greater regional and global connectivity has been a tremendous "convergence machine," raising living standards of lower-income countries to those of wealthier middle- to high-income countries.
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My Most-Wanted Marijuana Mom

My Most-Wanted Marijuana Mom

David Michael McNelis

McFarland Co Inc
2018
pokkari
"You are about to enter a world of drug smuggling, drug greed, and drug murder." With those words, the West Palm Beach assistant DA began the 1986 murder trial of Judy "Haas" McNelis. The only woman on the U.S. Federal Marshal's 15 Most-Wanted List, she gained infamy as head of the "Haas Organization," a reputed $267 million per year marijuana empire. But before her jet-set lifestyle as a drug "queen-pin," Haas was simply a divorcee with two young children and a penchant for growing pot. David McNelis' candid memoir recounts his life with a brash, free-spirited mother determined to achieve success in the male-dominated world of international narcotics smuggling. A studious kid striving for normalcy, McNelis is thrust into an extraordinary adventure where dealers, smugglers, daredevil pilots, federal agents, hitmen, and even an accused KGB spy all become part of "normal" life.
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Angry Heavens

Angry Heavens

David Michael Dunaway

Archway Publishing
2019
pokkari
In this historical novel, a skilled Charleston surgeon in the Army of Northern Virginia questions everything he knows as truth when faced with the horrors of the Civil War. The Civil War inevitably approaches. Two young Charlestonians, the Irish Catholic Mary Assumpta Bailey, and the English Protestant James Merriweather are soon to be intertwined through marriage, medicine, and their aversion to slavery. Mary Assumpta Bailey, her brother, Dr. John Bailey, and his medical apprentice, Dr. James Merriweather, openly serve anyone who walks through the doors of their Charleston medical practice - white, free blacks, seamen, or slaves. Equally, and despite its flaws, they also share an abiding love for the South. Dr. James Merriweather feels an enduring duty to the young men dying in battle and to his young family weathering the War on their small farm on Horlbeck Creek, South Carolina. Merriweather joins the War confident in the knowledge he can use his surgical skills to save the injured and send them back to their families. Rather quickly, Merriweather realizes how unprepared he is for the horrors of battle. Thus he begins a slow journey into his own war with darkness-his sanity precariously in the balance.
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Addiction

Addiction

David Michael Peters

Createspace Independent Publishing Platform
2014
nidottu
This book is, without doubt, an adult book. It contains graphic descriptive passages about sex, drug abuse, and alcohol abuse. It also defies convention as the first chapter is written in the third person and the other four in the first person. It is based on the experiences of the author who drank alcoholically from the age of 17 for 21 years and how he ended up with nothing but the clothes he had on. It deals laterally with his recovery. No matter how strange they may seem, most of the incidents are based on true events in the author's addictive life. It is funny, tragic, horrific and sensational. It is readable as an adult novel purely for entertainment. But it also may help anyone who may think they have an addiction. Also anyone who is living with somebody with an addiction - family member or a friend. It is not for the faint hearted and could be uncomfortable reading for some people. It is in five chapters. Each chapter is almost a story on its own but they are all connected by the recurring characters who are interwoven throughout all five. It is highly likely that many avid readers, after reading "ADDICTION," will say: "I've never read anything like that before "
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Cursed

Cursed

David Michael

Createspace Independent Publishing Platform
2014
nidottu
In an effort to escape a lifetime of bad luck and worse decisions, Luke decided to take a giant risk and leave Los Hermanos in his past where they belonged. Unfortunately, Los Hermanos took the saying "blood in, blood out" VERY seriously.When his long lost foster sister and her new boyfriend show up at his hospital bed willing to commit felonies in an effort to get him out of his guarded hospital room, he suddenly finds himself burdened with the fact that his actions had now brought innocent people into a firefight that he had tried to avoid all together.As he struggles to push the only family he has left to a safe distance, a heavy sense of dread settles in around him and every instinct he has tells him that something far worse than Los Hermanos is coming.Pushing them away and sacrificing himself seems to be his only option, but Sarah and Makkar have other plans. For better or worse, they intend on being there to the very end.The very. Bitter. End.
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