List of Logbook Loan E-book

Download Business & Economics ebook, Macmillan International Higher Education, Tony Boczko.

Managing Your Money
by Tony Boczko

With student debt now at record levels and people of all ages struggling to meet personal financial commitments, this easy-to-read text gives a simple and practical framework within which to make sound financial decisions. It is specifically intended to guide students through a module in personal finance, but contains valuable advice that would be useful in later life.

Consumer Credit, Debt and Investment in Europe
by James Devenney, Mel Kenny

Produced under the auspices of an EU-funded Marie Curie research programme, this volume analyses vulnerability in European private law and scrutinises consumer protection in credit and investments in the context of the recent turmoil in financial markets and EU harmonisation initiatives in the area. It explores key issues such as responsible lending, the disclosure of information, consumer confidence, the regulation of consumer investment services and the protection of bank depositors. The chapters emanate from the ‘Consumer Protection in Europe: Theory and Practice’ duo colloquium which explored consumer protection in Europe in its theoretical and practical dimensions. These topics are even more relevant today given the passage of the Consumer Rights Directive, the appointment of an Expert Group on a common frame of reference, the Green Paper on European Contract Law and the ongoing deliberations surrounding the Common European Sales Law.

The Principles of Personal Property Law
by Duncan Sheehan

The law of personal property covers a very wide spectrum of scenarios and, unfortunately, has had little detailed scrutiny of its overarching structure over the years. It is a system and can best be understood as a system. Indeed, without understanding it as a system, it becomes much more difficult to comprehend.

The second edition of this acclaimed textbook continues to provide a comprehensive yet detailed coverage of the law of personal property in England and Wales. It includes transfer of legal title to chattels, the nemo dat rule, negotiable instruments and assignment of choses in action. It also looks at defective transfers of property and the resulting proprietary claims, including those contingent on tracing, the tort of conversion, bailment and security interests. By bringing together areas often scattered throughout company law, commercial law, trusts and tort textbooks, it enables readers to see common themes and issues and to make otherwise impossible generalisations across different contexts about the nature of the concepts English law applies.

Throughout the book, concepts are explained rigorously, with reference to how they are used in commercial practice and everyday life. The new edition also includes a new chapter on secured transactions law reform, and introduces new material on the Cape Town Convention, IP rights and other intangible property.

The book will be of primary interest to academics and practitioners in the area. However, it will also be of use to students studying commercial or personal property law.

Payday Lending
by Carl Packman

Payday Lending looks at the growth of the high cost credit industry from the early payday lending industry in the early 1990s to its development in the US as a highly profitable industry around the world.

Regulating Consumer Credit
by Great Britain: National Audit Office

UK consumers borrowed £176 billion in 2011-12 from credit card companies, small businesses offering hire purchase arrangements and payday lenders. The NAO estimates the Office of Fair Trading saved consumers £8.60 for every £1 it spent on enforcing regulations in 2010-11 by taking action against non-compliant firms. During the same period, nevertheless, consumers lost at least £450 million from problems that regulation did not address, such as malpractice by firms that was not reported to the regulator. Consumers can also make poor choices themselves. The OFT is not resourced to carry out on a day-to-day basis either the supervision of firms or the monitoring of their compliance with licence standards. This means it can act only when it receives information of non-compliant behaviour by a firm. Therefore some harm must already have taken place in order to prevent further losses to consumers. The OFT funds consumer credit regulation solely from licence fees, and today’s report shows it had £11.5 million to regulate the market in 2011-12 which is not enough. Furthermore, weaknesses in the OFT’s management information mean it cannot be sure these limited resources are being targeted to the areas of greatest risk to consumers. The OFT’s limited understanding of the costs of enforcement means it does not have an accurate picture of the proportion of its budget which is spent on different activities. In addition, the OFT does not collect information on the level of lending provided by each firm, and therefore does not have a quantified understanding of the supply in the market

Home Equity and Ageing Owners
by Lorna Fox O’Mahony

The growing use of housing equity to support a range of activities and needs raises complex issues, particularly for older owners. In an environment in which older owners are pushed towards housing equity transactions to meet income and welfare costs, they are required to make choices from a complex and sometimes bewildering range of options. The transactions which facilitate the use of home equity as a resource to spend in later life – from ‘trading down’ and ‘ordinary’ secured and unsecured debt to targeted products including reverse/lifetime mortgages, home reversion plans and sale-and-rentback agreements – raise important legal and regulatory issues.

This book provides a contextual analysis of the financial transactions that older people enter into using their housing equity. It traces the protections afforded to older owners through the ‘ordinary’ law of property and contract, as well as the development of specific regulatory protections focused on targeted products. The book employs the notion of risk to highlight the nature and causes of the ‘situational’ vulnerabilities to which older people are now subject as ‘consumers’ of housing equity, showing that the older owner’s personal situation is crucial in determining whether and why they may seek to release equity, the options and products available to them, and the impact of harms resulting from adverse transactions. The book critically evaluates the extent to which this context is incorporated in the legal frameworks through which these transactions are governed, as a measure of the ‘appropriateness’ of existing legal provision, as well as considering the arguments surrounding ‘special protection’ for older owners in housing equity transactions.

The Abounding River Personal Logbook
by Matthew Engelhart, Terces Engelhart

The Abounding River Workbook is a training manual to experience a life of being provided for. Consider that scarcity (not enough love, money, time, beauty, etc.) is an inherited way being—a view of life that we practice and fuel by widespread agreement. This book is the antidote for our obsession with scarcity. Abundance, like love or joy, is a presence that we can evoke by our conscious attention to it—to what we have already been given.

In this book, you practice being someone who:
1. Loves your life
2. Adores yourself
3. Accepts the world
4. Is generous and grateful every day
5. Experiences being provided for

Pilot Logbook Lies and More
by Lester M. Zinser

Once upon a time . . . How else do you start a story on a white blank screen? Do you open the tale with some far-out statement that you, the author, have to maintain chapter by chapter? Or do you leave the writer some leeway to spin his or her story? Once upon a time gives the author that privilege. Lets start with a life that began because of some quirk of nature. Normally, when the many halves of a new life struggle their way up the warm, moist channels to meet the other half of a new life, one new life-form develops. However, in this particular sexual encounter, two spermatozoa overcame the odds and managed to penetrate a pair of ovum. Now two new life-forms begin their migration down the channel to fasten their growing cell bodies to the nourishing walls of the womb. Nine months later, two baby boys were born (a traumatic event probably best not remembered) and began their life journey. In the evolving tale, it will be up to the reader to determine if this is a compilation of fact, a mixture of fact and fi ction, or just pure fi ction. The fraternal twins grew up on a farm in the Midwest, and some of the rigors of farm living in the 1920s are part of the tale. However, it is used only to set the stage for one twins story. But wait! The twins were not alone. Two brothers preceded them so closely in this family that only two years separated the youngest from the oldest. A sister was born when the twins were fi ve. The mother of these fi ve children died shortly after the fi fth baby was born. The fathers mother stepped in to care for the newborn and at the same time tackled the task of raising and infl uencing the lives of four rambunctious boys. Five years later, the father remarried, and fi ve children were born to this second marriage, but so much later that they had little to no infl uence on the character of the elder fi ve. The fi rst four were close enough in age to present the same parental challenge as quadruplets. Each brother probably infl uenced another; however, the story is not about some personality trait caused by the close association with one another. A graduate student in psychology could write an A+ term paper on the interaction of the four completely different personalities. No doubt the many daily routines of maintaining a general-purpose farm infl uenced the path each brother would follow in later life. As soon as each boy was big enough (age six or seven), they were assigned choresthat is, feed the chickens, feed and milk the cows, slop the pigs, clean the barn, and so onto do all the daily menial jobs it takes to operate a small farm stead. The tasks grew harder as the brothers aged and grew stronger. Farming in the early years of the twentieth century required input from every able-bodied individual needing the life-supporting sustenance provided by the land and animals. The father, the Old Man, on this farm had a constant battle to keep everyone carrying their share of the workload.