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This book explores the issue of private sector over-indebtedness following the recent financial crisis. It addresses the various challenges for policymakers, investors and economic agents affected by applied remedial policies as the private non-financial sector in Europe continues to face increased challenges in servicing its debt, with the problem mainly concentrated in several countries in the EU periphery and Eastern Europe. Chapters from expert contributors address reduced investment as firms concentrate on deleveraging and repairing their balance sheets, curtailed consumer spending, depressed collateral values and weak credit creation. They examine effective policies to facilitate private sector debt restructuring which may involve significant upfront costs in terms of time to implement and committed budgetary resources, as well as necessary reforms required to improve the broader institutional framework and judicial capacity. The book also explores the issue of over indebtedness in the household sector, contributing to the literature in establishing best practice principles for household debt.

Unbroken Government demonstrates how institutional and electoral characteristics present since the writing of the Constitution influence policy development. Utilizing policy areas as diverse as human spaceflight, clean air, homeland security, and foreign policy, this work shows how these patterns manifest themselves in the policymaking process.

Secret Government is a grand strategy game about a secret society. Remaining unseen, they have been ruling mankind for hundreds of years. Your role will not be just to lead a particular country or region, but the Brotherhood — a centuries-old organization that works in the shadows and manipulates the entire world. Pull the strings of fate as you influence the present and future on a global scale, reconstructing the whole world to your liking.

This book constitutes the refereed proceedings of the 8th International Conference on Electronic Government, EGOV 2009, held in Linz, Austria, in August/September 2008 within the DEXA 2009 conference cluster. The 34 revised full papers presented were carefully reviewed and selected from 119 submissions. The papers are organized in topical sections on reflecting e-government research, administrative reform and public sector modernization, performance management and evaluation, aspects in government-to-citizen interactions, and building blocks in e-government advancements.

This book focuses on the implementation of digital strategies in the public sectors in the US, Mexico, Brazil, India and Germany. The case studies presented examine different digital projects by looking at their impact as well as their alignment with their national governments’ digital strategies. The contributors assess the current state of digital government, analyze the contribution of digital technologies in achieving outcomes for citizens, discuss ways to measure digitalization and address the question of how governments oversee the legal and regulatory obligations of information technology. The book argues that most countries formulate good strategies for digital government, but do not effectively prescribe and implement corresponding policies and programs. Showing specific programs that deliver results can help policy makers, knowledge specialists and public-sector researchers to develop best practices for future national strategies.

Home equity loans provide you with cash in exchange for the net assets you have accumulated in the property as a separate loan.

As with any loan, the person with the highest credit score will be entitled to the highest interest rate. The banks that provide these services will place more stringent requirements on your credit score and the equity in your property. Here are the best interest rates we can find among lenders who still offer home equity loans

The basic principle of building home equity is the same for everyone (paying off as much mortgage as possible), but in today's financial environment, different generations face different challenges. Therefore, no matter how old we are, we've put together some tips on building home equity.

If you are first-time home buyers, it is very important for you to choose the right mortgage. Here are some tips can help you find a mortgage that suits you as easily as possible.