Audiobook DescriptionHave you ever wished you could start conversations with ease, speak with confidence, and make people genuinely listen to what you have to say?Whether you struggle with small talk, feel nervous in social situations, or simply want to become a more confident communicator, How To Talk To Anyone And Make Them Listen is the practical audiobook you've been waiting for.Written by Olivia Mitchell, this inspiring guide reveals powerful, easy-to-use commun...

As financial markets grow ever more complex and integrated, households must make increasingly sophisticated and all-too-often irreversible economic decisions. This is particularly evident in retirement decision-making. Traditional defined benefit pension schemes are being replaced with defined contribution pensions; employer and government judgment regarding how much to save and where to invest has been replaced by employees having to make these choices on their own (sometimes assisted by ...

Around the world, people nearing and entering retirement are holding ever-greater levels of debt than in the past. This is not a benign situation, as many pre-retirees and retirees are stressed about their indebtedness. Moreover, this growth in debt among the older population may render retirees vulnerable to financial shocks, medical care bills, and changes in interest rates. Contributors to this volume explore key aspects of the rise in debt across older cohorts, drill down into the type...

Create a magical bedtime experience with our Soothing Bedtime Stories for Kids!This collection features 12 enchanting short stories designed to help kids drift into a peaceful sleep while learning essential life lessons.Each tale includes a soothing meditation, guiding your child into a state of calm and relaxation, preparing them for a restful night's sleep. These meditations are followed by captivating stories that impart valuable lessons, helping child...

Over the last decade, behavioral research has revolutionized our understanding of financial decision-making, reshaping how we approach retirement planning. Bringing together leading scholars from economics, finance, and psychology, this volume explores the intricate relationship between human behavior and financial security in later life and uncovers innovative ways to craft retirement strategies that are both financially sound and psychologically intuitive. Across three sections, chapter ...

This is an open access title available under the terms of a CC BY-NC-ND 4.0 International licence. It is free to read at Oxford Scholarship Online and offered as a free PDF download from OUP and selected open access locations. Growing awareness of real-world shocks including market downturns, health surprises, and labor market readjustment is calling into question the ability of global retirement systems to remain healthy and sustain future retirees. Financial and labor market stresses are...

Many older Americans today are poorly prepared to finance their retirement years, and such under-preparedness is especially acute for members of disadvantaged racial and ethnic minority groups. Black and Hispanic families, for example, have only a quarter of the amount of net private wealth (assets minus liabilities) compared to White families. Moreover, racial wealth gaps have not diminished much in the past four decades, in part because Whites tend to save more in and withdraw less from ...

In the wake of the worst financial crisis since the Great Depression, lawmakers and regulators around the world have changed the playbook for how banks and other financial institutions must manage their risks and report their activities. The US Congress passed the Dodd-Frank Wall Street Reform and Consumer Protection Act, and the European System of Financial Supervision (ESFS) is also crafting a framework to supervise regulated financial sector institutions including banks, insurers, pensi...

He's not like anything Lana has ever encountered.Asset X: Massive, deadly, and a little terrifying to say the least. A devilish warrior, and a killer. Captured on a hellish world after attacking a military campsite and now imprisoned in a state-of-the-art cell inside one of the military's top bases, Lazris. Lana has been assigned to "study" him; to learn his secrets and gain his trust, if he is ever allowed to set foot out of his cell. As a top behaviorist, it is t...

Lana and Xerus return...and encounter a life-altering threat.Xerus: loyal, protective, swift, powerful. Named predomis—highest warrior among the vrisha—and guardian to his queen. And Lana's one true mate.Several years after Lazris, Lana has called the vrisha's world her home. After a long mission kept her and Xerus away, they finally return to Tryth, hoping to settle back into the life they had and spend each moment together.When the discovery of a ...

When a cursed Winter Prince and a royal guard with a forgotten bloodline are bound by an ancient prophecy, they become the only ones who can stop a rising enemy—if their forbidden love doesn’t destroy them first.They tried to silence their bond, but the gods had already sung their fate into the heavens.In the frostbitten kingdom of Skadgard, Sylvanna Isenwulf has finally claimed her mantle as Captain of the Guard, but her loyalty to the crown is te...

She’s the head elf with a knack for saving Christmas. He’s the reluctant prince who doesn’t believe he deserves the crown—or her heart.Alva Brightwinter is the North Pole’s fiercest and most accomplished head elf. Dedicated, efficient, and utterly unshakable, she’s spent her life ensuring Christmas runs like a well-oiled sleigh. Falling for a rakish prince? Not on her to-do list. But when magic falters and an ancient evil rises, Alva is forced to team up w...