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Ипотека – самый доступный способ приобрести собственное жилье или создать надежную долгосрочную инвестицию. При этом программы кредитования без первоначального взноса и без подтверждения дохода дают возможность купить квартиру здесь и сейчас. Какой банк выбрать? Как снизить процентную ставку? Как правильно оформить документы? Что делать, если отказывают банки? Как купить квартиру в ипотеку в другом городе? Какие существуют лайфхаки для одобрения ипотеки? Вы получите исчерпывающие ответы на эти и многие другие вопросы. Книга поможет разобраться в ипотечных программах, найти оптимальные условия кредитования, избежать отказов при подаче заявки в банк и выгодно оформить ипотеку.

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PRICING INSURANCE RISK A comprehensive framework for measuring, valuing, and managing risk Pricing Insurance Risk: Theory and Practice delivers an accessible and authoritative account of how to determine the premium for a portfolio of non-hedgeable insurance risks and how to allocate it fairly to each portfolio component. The authors synthesize hundreds of academic research papers, bringing to light little-appreciated answers to fundamental questions about the relationships between insurance risk, capital, and premium. They lean on their industry experience throughout to connect the theory to real-world practice, such as assessing the performance of business units, evaluating risk transfer options, and optimizing portfolio mix. Readers will discover: Definitions, classifications, and specifications of risk An in-depth treatment of classical risk measures and premium calculation principles Properties of risk measures and their visualization A logical framework for spectral and coherent risk measures How risk measures for capital and pricing are distinct but interact Why the cost of capital, not capital itself, should be allocated The natural allocation method and how it unifies marginal and risk-adjusted probability approaches Applications to reserve risk, reinsurance, asset risk, franchise value, and portfolio optimization Perfect for actuaries working in the non-life or general insurance and reinsurance sectors, Pricing Insurance Risk: Theory and Practice is also an indispensable resource for banking and finance professionals, as well as risk management professionals seeking insight into measuring the value of their efforts to mitigate, transfer, or bear nonsystematic risk.

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Discover your purpose with the Game Plan System In Inflection Points: How to Work and Live with Purpose , renowned executive coach and speaker Matt Spielman delivers an energizing and hands-on existential navigational tool that walks you through how to identify what really matters in life and how to achieve it. Using a powerful life transformation system called the “Game Plan System”—or GPS —you will simply use the answers to straightforward questions to reorient your perspective and refocus your efforts on realizing happiness and fulfilment. In the book, you will also learn to: Create a powerful new roadmap to achieve what truly matters to you and move aside what may be getting in the way Celebrate your wins and effectively process your setbacks Discover and consider the value of coaching in your personal and professional lifeThe perfect book for anyone hoping to move through life with confident and renewed purpose and vigor, Inflection Points is an expertly crafted and powerful collection of strategies to act with more intentionality, help yourself and others, and realize your goals and achieve greater fulfillment.

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Embedded finance is here and having global impact. Are you ready for it? In Embedded Finance: When Payments Become An Experience , veteran growth strategists, entrepreneurs, and fintech disruptors Scarlett Sieber and Sophie Guibaud deliver a thought-provoking and page-turning discussion on the most impactful and exciting trend of fintech yet: embedded finance. In the book, you’ll explore the past, present, and future of fintech, from how embedded finance is being leveraged today by industry heavyweights like Google and Amazon to supercharge their customers’ experience to the offerings of smaller, niche players who stand poised to dominate their own corners of the market as their answer unmet customers’ needs. The authors present: ● Practical examples around the world of how embedded finance is being used today by technology companies and brands to redefine our online and offline retail experiences as we know them ● The key trends, players, and technologies that are paving the way for embedded finance to take a dominant position in our lives  ● The role, opportunities, and strategies for banks, technology companies and brands, providing them with all necessary tools to define their own embedded finance strategy ● The impact of embedded finance on society, consumers, companies, and the economy as a whole, highlighting the dominant force that is embedded finance for our future ● An exciting view of how our day-to-day lives will look like in 2030, powered by embedded finance An indispensable and eye-opening exploration of one of the most exciting and influential technologies in development today, Embedded Finance details a revolution in financial services, banking, and technology that has already begun. Are you ready?

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Explore the power of communication to heal hurt, overcome adversity, and build a unified team In The Locker Room , bestselling author Damon West and player development coach Stephen Mackey team up to explore difficult conversations about eliminating both discrimination and the cancel culture, as well as overcoming adversity. The book tells the story of four characters: two high school football coaches and two players, each of whom must deal with the fallout of an offensive comment that severely disrupts the unity and cohesion of their locker room and threatens to destroy their team. In The Locker Room , you’ll find: A guide to building an inclusive culture The blueprint for using servant leadership and a willingness to listen to break down barriers Encouragement to have the difficult conversations that lie at the heart of modern life Strategies for navigating your personal and professional life in a way that gracefully deals with the realities of prejudice, discrimination, and cancel culture Techniques for giving all people an equal voice and an equal chance at success through learning with humility and teaching with grace An indispensable exploration of some of the most critical and most difficult issues faced by professionals, coaches, athletes, and students today, The Locker Room is a must-read resource that belongs in the libraries of anyone who seeks a life or culture that can not only overcome adversity, but can also use it to reach their goals and improve their communities.

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