Sukanlaya Sawang

Owning a property is a dream for many people, and borrowing from banks is often essential to achieve this. However, having a mortgage can cause real anxiety because of the latent fear of losing our home if we cannot keep up with mortgage payments. Traditionally, homeowners repay their debt over 25 years, but high house prices have made it necessary to increase the term up to 40 years to make monthly payments affordable. Spreading the debt over a longer period of time not only means that borrowers have to pay more interest, but they are also exposed to other risks such as potential interest rate rises and changes in personal circumstances affecting their mortgage eligibility. These can lead to financial worries, financial stress, and reduced well-being. There are few practical guides available to show borrowers how to manage their mortgage debt more effectively, and how to repay their mortgage quickly so that they are debt-free. This book seeks to empower consumers, young and old, by providing a roadmap to help borrowers achieve financial security through planning for the future, insuring their income, and setting up an emergency fund. It also outlines simple strategies for an early repayment of debt, including paying off the capital, making extra payments, and monitoring their mortgage debt. In doing so, it aims to help readers improve their general well-being, enhance their financial security, reduce their financial worries, and eliminate their ‘mortgage insomnia’.

Owning a property is a dream for many people, and borrowing from banks is often essential to achieve this. However, having a mortgage can cause real anxiety because of the latent fear of losing our home if we cannot keep up with mortgage payments. Traditionally, homeowners repay their debt over 25 years, but high house prices have made it necessary to increase the term up to 40 years to make monthly payments affordable. Spreading the debt over a longer period of time not only means that borrowers have to pay more interest, but they are also exposed to other risks such as potential interest rate rises and changes in personal circumstances affecting their mortgage eligibility. These can lead to financial worries, financial stress, and reduced well-being. There are few practical guides available to show borrowers how to manage their mortgage debt more effectively, and how to repay their mortgage quickly so that they are debt-free. This book seeks to empower consumers, young and old, by providing a roadmap to help borrowers achieve financial security through planning for the future, insuring their income, and setting up an emergency fund. It also outlines simple strategies for an early repayment of debt, including paying off the capital, making extra payments, and monitoring their mortgage debt. In doing so, it aims to help readers improve their general well-being, enhance their financial security, reduce their financial worries, and eliminate their ‘mortgage insomnia’.

? This book explores the timely issue of how small businesses, micro firms and entrepreneurs respond to crises. A largely overlooked area of research, the author posits that by better understanding crisis management in small and micro firms, we can help to protect these businesses from the potentially devastating effects of a crisis. Offering guidance for scholars and practitioners, including small business owners, to better understand the concept, limitations and considerations of crisis management - specifically in the small business context - the author demonstrates that there is no single solution for a small business to cope with a crisis. Drawing from the thematic findings, the author offers valuable recommendations on how small business owners can strategically plan for the future and better manage their capability when faced with a crisis.

Large infrastructure projects generally involve multiple stakeholders such as government parties, local communities, and private organizations. New projects can create tensions between different stakeholder groups because different groups naturally have different interests and opinions. This book offers a view of how stakeholders are able to influence the project management’s decision-making process as the project proceeds from the investment preparation phase, to the project execution phase, and on to the operations phase through various methods such as protests, legal battles, and even illegal activities. This book provides multiple case studies in aviation industry reflecting how large projects create dynamic contexts for stakeholder management and stakeholder behaviour as the project moves through different phases of its lifecycle.

Large infrastructure projects generally involve multiple stakeholders such as government parties, local communities, and private organizations. New projects can create tensions between different stakeholder groups because different groups naturally have different interests and opinions. This book offers a view of how stakeholders are able to influence the project management’s decision-making process as the project proceeds from the investment preparation phase, to the project execution phase, and on to the operations phase through various methods such as protests, legal battles, and even illegal activities. This book provides multiple case studies in aviation industry reflecting how large projects create dynamic contexts for stakeholder management and stakeholder behaviour as the project moves through different phases of its lifecycle.

Returnee Entrepreneurs provides a systematic and thematic review of research on returnee entrepreneurs. The primary aims are as follows: Firstly, because of the fragmentation and cross-disciplinary examination of the phenomenon, this monograph compiles a repository of research on the phenomenon and traces its emergence and development. Secondly, it identifies main themes to provide a conceptual mapping of the research stream. Thirdly, it identifies avenues for future research and new research approaches. The review presents insights into an important research stream across diverse literatures facilitating the identification of future research opportunities that are of relevance to the broader interest of entrepreneurship, international business, and management research. The main contributions are (a) to take stock of the insights gained so far about the phenomenon of returnee entrepreneurship; (b) to discuss theoretical implications of our conceptual mapping; and (c) to provide guidance for the design and positioning of future contributions to this research stream.