Novedades del último mes en eBooks de Economía financiera

Todos sabemos que los mercados suben y bajan, pero ¿cuándo debería usted retirarse y cuándo debería quedarse? La respuesta nunca es blanco o negro, pero se encuentra mejor a través de una sagaz comprension de las razones que estan detras del ritmo de los ciclos. La confianza acerca de en que punto estamos de un ciclo se consigue cuando se aprenden los patrones de los altibajos que influyen no solo en la economia, los mercados y las empresas sino tambien en la psicologia humana y en los comportamientos de inversion resultantes.Si estudia los ciclos pasados, entiende sus origenes y permanece alerta para el proximo, estara profundamente en sintonia con el entorno de inversion a medida que este cambia. Estara concienciado y preparado mientras otros se quedan cegados por acontecimientos inesperados o son victima de emociones como el miedo y la codicia.Siguiendo las ideas de Marks en este libro -extraidas en parte de sus iconicos memorandums enviados a lo largo de los años a los clientes de Oaktree- usted puede dominar estos patrones recurrentes para tener la oportunidad de mejorar sus resultados.

Las pymes constituyen el núcleo del tejido empresarial de la Unión Europea (UE), representando la mayoría del empleo y del valor agregado y sin embargo, su acceso a la financiación sigue estando marcado por una elevada dependencia del credito bancario a corto plazo y restringido en momentos de crisis, como se evidencio en 2008.Esta vulnerabilidad motivo una intensa accion politica de la Comision Europea desde 2010, enfocada fundamentalmente en la Union de los Mercados de Capitales, cuyos resultados han sido limitados, poco observables, sin lograr una diversificacion efectiva de las fuentes de financiacion de las pymes.A partir de 2020, el impacto de la crisis COVID-19 y el desarrollo de la industria FinTech impulsaron un cambio en esta estrategia politica de la UE, consolidando un marco regulador orientado a la digitalizacion del sistema financiero, que ha abierto nuevas oportunidades para la financiacion alternativa, aun infrautilizada por las pymes europeas en comparacion con economias como la del Reino Unido o Estados Unidos.Esta investigacion analiza la estructura financiera de las pymes en la UE, evaluando su dependencia bancaria y explorando la financiacion alternativa como mecanismo para diversificar y complementar esta, revisando la evolucion de las politicas europeas entre 2010 y 2020 y desarrollando una taxonomia de las fuentes alternativas de financiacion.A partir de estos analisis, se proponen recomendaciones en cuatro areas: implementacion del marco regulatorio para mercados secundarios, educacion financiera, colaboracion entre intermediarios tradicionales y FinTech, e investigacion academica.Los hallazgos subrayan la necesidad de una accion politica mas proactiva para maximizar las oportunidades que ofrece la digitalizacion en la mejora del acceso a financiacion de las pymes.

El ABCD de la creación de riqueza es un marco para construir patrimonio, que significa: Activos: Enfócate en adquirir y hacer crecer activos que generen ingresos pasivos, como inversiones (acciones, bienes raices, etc.), negocios, propiedad intelectual y cuentas de jubilacion. Presupuesto: Administra tus finanzas eficazmente mediante: el seguimiento de gastos, la creacion de un presupuesto, el ahorro y la inversion regulares, y evitar las deudas. Flujo de efectivo: Asegura un flujo de efectivo constante mediante: la creacion de multiples fuentes de ingresos, la inversion en activos que pagan dividendos, la creacion de una reserva de efectivo y la gestion de gastos. Disciplina: Cultiva la disciplina financiera mediante: el establecimiento de metas financieras claras, evitar las compras impulsivas, invertir a largo plazo y el aprendizaje continuo. La creacion de riqueza es un proceso que implica planificacion estrategica, toma de decisiones inteligentes y esfuerzo constante. Requiere una comprension clara de la gestion financiera, las oportunidades de inversion y la gestion de riesgos. Para crear riqueza, primero se debe tener una meta y una vision claras de lo que se desea lograr. Establecer metas financieras realistas y alcanzables es esencial en el proceso de creacion de riqueza. Las formulas para la creacion de riqueza son: 1. Comienza con una meta financiera clara: define que significa la riqueza para ti. 2. Vive por debajo de tus posibilidades: gasta menos de lo que ganas. 3. Invierte sabiamente: haz crecer tu dinero mediante inversiones inteligentes. 4. Maximiza tus ingresos: aumenta tus ganancias a traves de habilidades, emprendimiento o inversiones. 5. Minimiza la deuda: reduce la deuda con altos intereses y evita contraer nuevas deudas. 6. Crea multiples fuentes de ingresos: diversifica tus fuentes de ingresos. 7. Educate: aprende continuamente sobre finanzas personales y creacion de riqueza. 8. Evita los esquemas para hacerse rico rapidamente: concentrate en un crecimiento sostenible a largo plazo. 9. Se disciplinado y paciente: la creacion de riqueza lleva tiempo. 10. Contribuye: comparte tu riqueza con los demas a traves de la filantropia. Ademas, considera la regla 50/30/20: 50% de tus ingresos para necesidades basicas, 30% para gastos discrecionales y 20% para ahorro e inversion. La creacion de riqueza es una carrera de fondo, no un sprint. Centrate en el progreso, no en la perfeccion.

Da pobreza extrema a liberdade financeira. Uma jornada real. Um plano prático. Um chamado para transformar sua vida.Neste livro, Luiz Martins revela como venceu os desafios da vida no sertão, enfrent

Shortlisted for the Bread and Roses Award,Who Needs More Cuts returns in a powerful new edition. With a foreword by former Shadow Chancellor John McDonnell MP, writers Barry and Saville Kushner show how austerity politics have barely moved on in over a decadeand why the alternative they present is more necessary than ever.

Este livro apresenta uma análise da política de incentivos fiscais do Estado do Rio de Janeiro, focando os impactos da desoneração do ICMS, no período de 2020 a 2023. O trabalho vai além da perspecti

Guia prático para planejar, implantar e sustentar ERPs. Aborda história, custos, seleção de sistemas e parceiros, metodologias, casos reais e tendências como nuvem e IA, focando em eficiência e estra

Com uma abordagem prática e aprofundada, Teorias e Práticas em Gestão foi criado para proporcionar aos leitores uma compreensão sólida das principais teorias e técnicas de gestão. Da administração cl

Você está pronto para transformar sua empresa e levá-la a um novo patamar?Em Não Afunde Sua Empresa, Rodrigo A. Ortega apresenta de forma clara e envolvente as estratégias que diferenciam as empresas

The EIB Investment Survey is conducted annually and includes data from approximately 13 000 firms in all EU Member States plus a sample from the United States. The survey provides information on firm characteristics and performance, past investment activities and future plans, sources of finance and the financing issues businesses face. Key takeaways Investment growth is waning Businesses are finding it difficult to plan. They are trying to understand the ultimate effect of US tariffs and potentially profound geopolitical changes. Those pressures could have depressed investment, but the EIB Investment Survey for 2025 finds that investment is showing remarkable resilience so far although companies are more cautious about the economic outlook and the political and regulatory environment.The European Investment Bank Investment Survey finds that 86% of EU firms still plan to invest, compared with 87% in the 2024 survey, although their appetite has somewhat weakened. A marginally higher share of EU firms still expects to increase rather than decrease investment in 2025, and investment growth is waning. The pattern in the United States is broadly similar.

Are you looking for a clear, practical, and reliable guide to help you understand Target Date Funds and how they fit into your long, term retirement planning strategy? The Investors Handbook: Deciphering Target Date Funds is your essential resource for learning how these popular investment vehicles work, how to evaluate them, and how to determine whether they are the right choice for your financial future. Target Date Funds have become one of the most widely used tools for retirement investing, but many investors dont fully understand their mechanics, risks, or rewards. This comprehensive handbook breaks down the complexities into clear, accessible language, helping both beginners and experienced investors make informed choices. Inside this book, youll discover: What Target Date Funds Are and How They Work Learn the philosophy behind these funds, how they automatically adjust over time, and how they fit into your broader financial goals. Risks and Rewards Understand both the advantages, like diversification and simplicity, and the potential downsides, such as fee structures, market volatility, and longevity risk. The Glide Path Explained Explore how asset allocation strategies shift as you move closer to retirement and why this matters for your long, term security. Comparing Strategies From aggressive to conservative allocations, and active vs. passive management, gain insights into how different approaches may impact your outcomes. Performance Evaluation Learn how to measure returns, compare funds against benchmarks, and forecast future outcomes with confidence. Fees and Costs See how expense ratios and management fees can add up over time and what this means for your retirement nest egg. Global and Technological Perspectives Understand how Target Date Funds are evolving around the world and how technology is shaping the future of fund management. With step, by, step clarity, real, world context, and professional insights, this book empowers you to approach your investments with knowledge and confidence. It emphasizes not only the technical details of fund design but also the practical impact on your retirement lifestyle, helping you take control of your financial journey without guesswork or confusion. Whether youre just beginning your retirement planning journey or looking to refine your investment strategy, The Investors Handbook: Deciphering Target Date Funds will equip you with the tools you need to make smart, informed, and confident choices. Investing for retirement doesnt have to be overwhelming. With the right knowledge, you can build a strategy that supports your future with clarity and peace of mind. Take the first step today, unlock the knowledge you need to decipher Target Date Funds and strengthen your retirement plan.

Are you ready to take the confusion out of retirement investing? Target Date Funds: The Ultimate Investment Guide is your all, in, one resource for understanding, evaluating, and using Target Date Funds to secure your financial future. Whether youre new to investing or looking to refine your retirement strategy, this book gives you the clarity and confidence you need to make smarter decisions. Target Date Funds are among the most popular retirement investment vehicles today, offering diversification, automatic rebalancing, and a glide path that evolves with you. Yet many investors dont fully understand how they work, or how fees, risks, and market shifts impact long, term results. This guide strips away the complexity and delivers straightforward, actionable insights that anyone can use. Inside, youll discover: A clear introduction to Target Date Funds: what they are, how they operate, and why theyre designed for long, term retirement planning. The philosophy behind Target Date investing: learn why these funds align with investor psychology and retirement goals. The mechanics of allocation and glide paths: understand how portfolios automatically adjust from aggressive to conservative over time. The balance of risks and rewards: uncover the potential benefits and hidden pitfalls of relying on Target Date Funds. Performance measurement tools: explore how to evaluate past returns, current metrics, and future expectations with confidence. Risk factors to consider: market volatility, interest rate sensitivity, longevity risk, and the impact of timing on retirement income. Fee structures and cost analysis: discover how expense ratios, provider differences, and compounding costs affect your nest egg. Practical retirement planning applications: learn how to match funds to your investor profile, and when alternatives might make sense. Regulatory, global, and technological perspectives: see how oversight, international approaches, and innovation are shaping the future of Target Date Funds. What makes this book different is its balanced, comprehensive, and approachable style. It doesnt oversell Target Date Funds as a perfect solution, nor does it dismiss them, it gives you the facts, the context, and the strategies to use them wisely as part of your broader retirement plan. If youve ever wondered whether a Target Date Fund is right for you, how to compare different providers, or how to avoid common mistakes, this guide will give you the answers. By the end, youll not only understand Target Date Funds, youll know how to put them to work in your retirement strategy with confidence and clarity. Whether youre just starting your career, approaching retirement, or advising others on investment strategies, this book is the ultimate resource for anyone who wants to demystify Target Date Funds and unlock their full potential. Take control of your retirement future. Start your journey today with Target Date Funds: The Ultimate Investment Guide.

Are you ready to take control of your financial future without getting lost in complicated strategies, high fees, or risky speculation? The Low, Fee Index Fund Revolution: A Guide to Smarter Investing is your roadmap to building lasting wealth the simple, reliable, and proven way, through the power of low, fee index funds. This book isnt about chasing quick wins, predicting the next market trend, or relying on expensive financial experts. Instead, its about giving you the tools and knowledge to invest confidently, with clarity and purpose. Youll discover how low, fee index funds allow you to capture the growth of entire markets, reduce unnecessary risk, and keep more of your hard, earned money working for you. Inside, youll learn: Why investing matters and how it transforms your financial future. The power of low fees and why keeping costs down gives you a huge advantage. How index funds are built and why their simplicity makes them the ultimate wealth, building tool. The passive investing mindset, how to stay disciplined and avoid costly emotional decisions. Step, by, step guidance for buying your first index fund with confidence. Diversification strategies that protect your money while allowing it to grow. How to balance risk and reward to match your goals and comfort level. Lump sum vs. dollar cost averaging, which approach works best for you. Tax efficiency in index funds and how to maximize what you keep. How to stay the course in tough times when markets are volatile. Whether youre brand new to investing or looking to refine your strategy, this book makes the process straightforward and approachable. You dont need to be a financial expert, you just need the right system, the right mindset, and the right tools. Low, fee index funds provide all three. By the end of this book, youll not only understand how index funds work, but youll also have a clear long, term strategy for growing your wealth, achieving financial independence, and securing the future you deserve. If youre ready to join the millions of investors who have discovered the smarter, simpler, and more effective path to financial freedom, then The Low, Fee Index Fund Revolution is the guide youve been waiting for. Take the first step toward smarter investing today, your financial future starts here.

Este é um livro sobre ciência de dados aplicada à gestão estratégica de negócios para gerar vantagem analítica pela utilização de métodos e técnicas que orientam a tomada de decisão baseada em dados,

A obra apresenta uma proposta inovadora para o ensino da Educação Financeira que rompe com abordagens reducionistas e tecnicistas, promovendo uma visão crítica e emancipadora. Inspirada na pedagogia