Unlock your potential and ace the Enrolled Agent Exam with the comprehensive Enrolled Agent Study Guide 2025-2026: All in One Enrolled Agent Exam Prep. This meticulously crafted study guide is your ultimate companion for mastering the complexities of tax law and taxation procedures, ensuring that you are fully prepared to succeed in your pursuit of becoming a licensed Enrolled Agent.Designed for aspiring Enrolled Agents, this extensive resource combines detailed review materials with over 600 practice questions, mimicking the actual exam’s structure and difficulty. Each chapter breaks down critical concepts, offering clear explanations and practical applications that are essential for understanding taxation and IRS regulations.Key features include:Comprehensive Coverage: All topics covered on the Enrolled Agent Examination, ensuring no stone is left unturned, from individual taxation to business tax issues.In-Depth Review Material: Detailed explanations and key takeaways throughout the guide simplify complex topics, making them easier to grasp and retain.Extensive Practice Questions: With 600+ practice questions of varying difficulty levels, you’ll reinforce your learning and build your confidence ahead of exam day.Exam Strategies and Tips: Gain insights into effective test-taking strategies, time management tips, and how to approach different question formats for optimal performance.Updated Information: Stay current with the latest IRS rules and tax law changes, keeping you informed and prepared for the most relevant exam content.Whether you’re a seasoned professional or new to the field, the Enrolled Agent Study Guide 2025-2026 equips you with everything needed to pass the Enrolled Agent Examination on your first attempt. Embrace this opportunity to elevate your career and master the knowledge that will serve you for years to come. Start your journey to becoming a certified Enrolled Agent today! Read more

The world has changed forever.Governments have expanded their reach over their citizens’ lives.Power is being consolidated by an elite few.The world economy has become more volatile and unpredictable.Meanwhile, the internet, a globalizing world economy, and the emergence of the developing world all present opportunities to any businessman or investor willing to make simple changes to their life. Geography is no longer a limitation for those willing to follow Andrew Henderson’s ‘Five Magic Words’ and “Go where you’re treated best.”As the world’s most sought-after expert on offshore tax planning, second passports, and global citizenship - cited by the BBC, Bloomberg, Forbes, CNN, Fox Business, and more - Mr. Henderson has condensed over a decade of investigative world travel into an unprecedented book to show entrepreneurs and investors another way to live that will enable them to keep more of their own money, live where they want, become citizens of the world, and improve their lives and the planet.Direct. Honest. Experienced. Unapologetic. Practical. Transparent. Even funny. The Nomad Capitalist will show you how to take Mr. Henderson’s “EKG” formula to:ENHANCE your personal lifestyleKEEP more of your money, andGROW your money by living, investing, banking, and doing business overseas.From foreign companies to offshore accounts and from overseas investments to dual citizenship, Andrew will introduce you to a life of international proportions, storing gold in super-secret vaults, finding love in exotic locations, and improving everything from your health to your tax bill by simply “going where you’re treated best.”And the second edition of Nomad Capitalist will give you more than ever before. You will get:More how-to information, strategies, and countries to implement into your offshore plan,TWO completely NEW CHAPTERS on renouncing US citizenship and cryptocurrencyUpdates throughout the entire bookFOUR completely revamped chapters on second passports, relationships, tax savings, and more.How-To Action Plans at the end of every chapter, andA brand new ending that will help you start your own personalized offshore journey.Will this book answer your unique questions about how your business can transfer price IP from Montenegro to Canada using staffing companies and GILTI? No. No book written for the general public can give you a complete and fully personalized strategy for going offshore. Nor should it. This book is not a substitute for the professional help you need to do everything the 100% legal way that Mr. Henderson promotes.What it will give you is a vision of what's possible, including second passport opportunities, offshore banking countries to use (and avoid), specific jurisdictions to consider for business and investment, and the basic framework you will need to legally lower your taxes and build the life of your dreams overseas.You will also get a look at the life of the Nomad Capitalist himself and the kind of boots-on-the-ground anecdotes and personal experiences that helped him gain the knowledge he has used to help hundreds of people go where they’re treated best.If you want to thrive in today’s world, start here. Those who want complete freedom from the world’s broken systems must become Nomad Capitalists themselves, learning to navigate the world system to reclaim their freedom and rediscover the possibilities of capitalism’s greatest promises.Get the book to see how. Read more

Cut through the noise: Asset protection that works.Tired of recycled advice and surface-level tips? Trusts & Asset Protection Strategies That Work offers real solutions for real problems grounded in practical experience—not generic theories.This audiobook dives into the challenges people face when protecting their wealth, offering clear strategies and tools to safeguard assets, minimize taxes, and plan for the future. Legal jargon? No problem. If the solutions work, you’re ready to handle it.What you’ll get:No Fluff, Just Solutions: Straightforward guidance that matters.Real Cases, Real Results: Learn what works in practice.Tools You Can Use: Trust templates, asset checklists, and more.Inside:Basics Made Clear: Asset protection, trusts, LLCs, and more.Tailored Strategies: From lawsuits to succession planning, find proven methods.Advanced Insights: Offshore tools and business planning simplified.If you’re ready to protect your wealth and take control, this audiobook delivers everything you need. Download now to get started!PLEASE NOTE: When you purchase this title, the accompanying PDF will be available in your Audible Library along with the audio. Read more

Maximize Your Business Efficiency with Our Premium 6 Column Ledger BookAre you a small business owner, freelancer, or financial professional looking for an easy and efficient way to manage your financial records? Look no further! Our "6 Column Ledger Book for Accounting" is expertly crafted to meet the needs of today's dynamic business world, whether you're managing accounts, tracking expenses, or maintaining a general ledger. Get your copy now!Key Features:📊 User-Friendly Format: Designed for quick and accurate transaction recording, whether for personal or business use.💼 Professional Design: Sleek and durable, perfect for small businesses and professionals.🔄 Ample Writing Space: Provides room for detailed entries, suitable for tracking income, expenses, and financial summaries.🔍 Detailed Organization: Includes sections for dates, descriptions, debits, credits, and balances—ideal for clear bookkeeping.🖊️ Versatility: Works as a bookkeeping ledger, accounting journal, or record book for various needs.Benefits:🚀 Boost Productivity: Streamline your accounting process to focus on business growth.💡 Clarity in Finances: Maintain a clear overview of financial health for better decision-making.📈 Tax Ready: Simplify tax preparation with an organized system for tracking financial records.🌐 Versatile Applications: Suitable for small businesses, freelancers, and anyone needing a 6-column ledger book.Why Choose Our Ledger Book?🌟 Best in Class: Combines accounting ledger quality, functionality, and style for seamless financial management.🛡️ Dependability: Crafted with precision, ensuring durability for long-term use.🎯 Optimized for Your Needs: Perfect for tracking expenses, invoices, income, and more.✅ Invest in Success: Our ledger book for bookkeeping and account management simplifies your financial workflow. Order your 6 Column Ledger Book today! Read more

'An absolute masterclass in how to communicate complex information simply' – Ian Dunt, author'It succeeds both in explaining how global trade works and in illustrating how [it] affects things many voters actually care about: jobs, national security, climate change, and so on' – Financial TimesWhy Politicians Lie About Trade reveals how international trade really works and the compromises and deals nations must make to take part in the greatest commercial show on earth.With clear writing and lively case studies, a former trade negotiator takes readers on an often humorous tour of the shadowy workings of the agreements, tariffs, taxes and disputes that characterise this $32 trillion-a-year machine.Dmitry Grozoubinski reveals the underlying political and geographical forces that shape the impact of trade on topics as diverse and important as food, jobs, gender, conflict and climate change. And he reveals what politicians cover up about the system – and why it matters.Why Politicians Lie About Trade lights up a little-understood network that runs our world with brevity and humour.It contains everything you need to know about international trade and is an ideal companion to titles which explain commerce such as the Undercover Economist, Taxtopia and Freakonomics.This book has been enthusiastically recommended by serious publications such as the Financial Times and the World Trade Review and popular authors such as Ian Dunt and James O'Brien. Ian Dunt wrote: 'I laughed more than I do in most comedies. I learned more than I do from the news.'Reviews'For some time, there has been a clear gap in the market for a guide to trade policy to help those with an interest to gain a better understanding of this important field and enable them to engage more actively in trade policy debates. Dmitry Grozoubinski’s Why Politicians Lie About Trade fits the bill admirably.' Justin Brown, the Lowy Institute'Despite being an entertaining read, his book is no joke. Structured in two parts, it succeeds both in explaining how global trade works and in illustrating how the rather rarefied topic of international trade policy affects things many voters actually care about: jobs, national security, climate change, and so on. Given how protectionism is increasingly touted as a simple solution to complex social and economic strains, it is also excellently timed. Felix Martin, Financial Times'You will come out of it far more knowledgeable than you went in, and shielded from some of the more egregious deceit politicians want to inflict on you. You'll also laugh out loud.' Ian Dunt, author of How Westminster Works'Written by a former trade negotiator who has trained many British diplomats, this book is authoritative, yet – and here’s the strange part – actually fun to read. Dmitry Grozoubinski has a rare knack for explaining complex information in an accessible and light-hearted way.' Richard Baldwin, Professor of International Economics'Writing a 300-page book on international trade policy issues in a way that is not only accessible but also entertaining would be a serious challenge for most authors. Dmitry Grozoubinski’s new book rises to that challenge.' Chris Horseman, Bordelex'Much of the book’s strength lies in its language. It largely avoids technical and academic-style terminology, and the content is presented with a wry and sometimes mischievous sense of humour. This approach makes even the most arcane and obscure parts of the book engaging.' Justin Brown, the Lowy Institute'Enraging & enlightening in equal measure. And the measure is absolutely enormous.' James O'Brien, author of How They Broke BritainBuy the book and start reading Read more

PROTECT YOUR FAMILY. SECURE YOUR LEGACY. TAKE CONTROL.The Ultimate 2-in-1 Guide to Trusts, Asset Protection, and Estate Planning—With Proven Strategies, Essential Forms, and Expert Insights to Safeguard Your Future.If you’re serious about protecting your wealth, securing your family’s future, and ensuring your hard-earned assets aren’t lost to legal battles, excessive taxes, or poor planning, this all-in-one guide is exactly what you need.This 2-in-1 edition combines two of the most practical and comprehensive books on estate planning and asset protection—giving you the exact tools, strategies, and legal insights to safeguard your wealth without wasting time or money on confusing or outdated information.No fluff. No vague advice. Just a clear, step-by-step roadmap to ensure your estate plan is airtight, your assets are protected, and your legal documents are in order.What You’ll Learn:✅ The core documents you need: Wills, Living Trusts, Powers of Attorney, Healthcare Directives, and more—what they do, how they work, and how to use them correctly.✅ Asset Protection Strategies That Work—from trusts to LLCs, tax planning, and international tools for shielding your wealth from lawsuits, creditors, and excessive taxation.✅ How to avoid the biggest mistakes people make when planning their estate or setting up asset protection structures.✅ Real-life solutions, not just theory—based on practical cases and expert knowledge, so you can apply the strategies with confidence.✅ 24+ Downloadable Forms, Worksheets, and Resources to put everything into action—including will and trust templates, net worth worksheets, asset protection checklists, succession planning guides, and more.What Makes This Guide Different?🔹 Actionable and Straight to the Point – No filler, no fluff—just the essential steps to get things done right.🔹 Latest 2025 Legal Updates – So you can stay compliant with the most up-to-date estate and tax laws.🔹 Multilayered Strategies – Covering everything from basic estate planning to advanced asset protection techniques, ensuring a comprehensive and effective plan tailored to your needs.🔹 Designed for Real People – Whether you're a business owner, investor, or just someone who wants to ensure their family’s future is secure, this book provides clear, practical solutions that anyone can follow.Who Is This Book For?✅ Individuals who want to create an estate plan that ensures their family is taken care of.✅ Business owners and real estate investors who need strong asset protection strategies.✅ Anyone who wants to avoid probate, reduce taxes, and secure their legacy.✅ Those who are tired of vague, generic advice and are looking for real solutions that work.You won’t find another resource as comprehensive, practical, and results-driven as this one.Ready to protect your wealth and secure your family’s future? Click “Add to Cart” now and get started today! Read more

Mikkel Thorup draws on his 20+ years of overseas experience to bring you a complete guide to living overseas, saving money on taxes, obtaining a second passport and travelling the world as an Expat. This book will save you years of trial and error and will give you a comprehensive blueprint for planting flags around the globe. If Secret Vaults in Asia, Offshore Bank Accounts in Belize, Hardwood Plantations in Central America, Real Estate in China and Business Class Travel around the world excite you, then this is the book for you.Expat Secrets is filled with timeless knowledge stemming from his travels to more than 100 countries Mikkel brings you a No-BS approach to the offshore markets.See what others in the offshore markets are saying about Expat Secrets:"In 'Expat Secrets' Mikkel elegantly describes the many benefits that accrue to those that choose their country of residence and provides practical and timely tips and examples for doing so... this book is a game changer!" - Gregor Gregersen, Founder of Silver Bullion Pte ltd.“A huge thanks to Mikkel for a clearly written, concise description of the international experience as lived by a true global pioneer. Especially refreshing is the chapter on the benefits of raising children overseas. As the father of two 3rd culture kids, I can personally assure you that no education expands the mind more than growing up overseas.” - Michael K. Cobb - Chairman and CEO – ECI Development"Having incorporated hundreds of companies for clients over the last 7 years, this book is very helpful for those that are starting out" Edmund John Lowell - Founder, FlagTheory Website Read more

Inside the Tax Resolution Industry and inside the offer in compromise program. Read more

The British Tax System Read more

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The point of this audiobook is to empower you, as an international entrepreneur as you work with your advisors to create a plan that minimizes your tax burden and protect your wealth.Tax planning uses current laws to legally reduce taxes.Some international Entrepreneurs get nervous when they hear about offshore bank accounts, foreign companies and taking advantage of tax treaties.This audiobook equips you with the legal tools to improve your tax efficiency as an International entrepreneur. In a competitive landscape, it’s important to consider every possible edge. If you don't consider this source of competitive advantage, remember that your competitors will. Read more

Target Market: for principles of economics, surveys of economics, international economics, international trade, or managerial economics. No prior economics is assumed, but the material can be taught at all levels.Written as a novel, the book makes the complex concepts, issues and terminology of international trade understandable for students.Professors complain that their students cannot grasp the nature of how some economic tools are used or how they work in life. This novel bridges the gap of concepts with applications by use of a fictional story.David Ricardo comes to life to discuss international trade theory and policy with Ed Johnson, a fictional American television manufacturer seeking trade protection from television manufacturers. Their dialogue is a sophisticated, rigorous discussion of virtually every major issue in trade theory and policy. To illustrate the positive and normative effects of international trade and trade policy, Ricardo takes the reader and Ed Johnson into the future to see an America of free trade and an America of complete self-sufficiency. The fictional element brings these topics to life so that students gain the intuition and understanding of how trade changes the lives of people and the industries they work in. The fundamental intuition of how international markets function including general equilibrium effects and policy analysis is provided. Read more

For Use in Classification of Imported Merchandise for Rate of Duty and Statistical PurposesThe changes in this revision reflect the following instruments and actions taken since the 2025 Revision 6 was posted:Executive Order 14257 of April 2, 2025, “Regulating Imports with a Reciprocal Tariff to Rectify Trade Practices that Contribute to Large and Persistent Annual United States Goods Trade Deficits” (90 Fed. Reg. XXXXX of April XX, 2025), effective April 5 and April 9, 2025.Please consult the Change Record for a listing of individual changes in this revision. The Change Record files are NOT cumulative from one electronic revision to the next; it is advisable to retain all change records for the electronic revisions in this calendar year to ascertain the full extent of substantive changes to the HTS. Read more

Formulario 1040 para residentes bona fide de Puerto Rico es un manual práctico en dos tomos para residentes bona fide de Puerto Rico que tienen obligación de presentar una Declaración de Impuestos de los EE. UU. sobre los Ingresos Personales o una Declaración de Impuestos Federal sobre el Trabajo por Cuenta Propia. Esta nueva edición para las declaraciones del año 2024 está actualizada, incluyendo los ajustes por inflación y otros cambios, las nuevas leyes tributarias y los formularios del año 2024. Se han añadido nuevos temas, tales como información para miembros de las Fuerzas Armadas, el nuevo informe BOI y las entidades conducto de Puerto Rico con ingresos de fuentes de los Estados Unidos.El primer tomo consiste de cinco partes cubriendo temas como la sección 933 del IRS, ingresos, ajustes y deducciones, y créditos. El segundo tomo consiste de cinco partes cubriendo temas como otros impuestos, pagos, y el formulario 1040-SS, y dieciocho escenarios tributarios para residentes bona fide de Puerto Rico, con sus correspondientes declaraciones. Read more

Formulario 1040 para residentes bona fide de Puerto Rico es un manual práctico en dos tomos para residentes bona fide de Puerto Rico que tienen obligación de presentar una Declaración de Impuestos de los EE. UU. sobre los Ingresos Personales o una Declaración de Impuestos Federal sobre el Trabajo por Cuenta Propia. Esta nueva edición para las declaraciones del año 2024 está actualizada, incluyendo los ajustes por inflación y otros cambios, las nuevas leyes tributarias y los formularios del año 2024. Se han añadido nuevos temas, tales como información para miembros de las Fuerzas Armadas, el nuevo informe BOI y las entidades conducto de Puerto Rico con ingresos de fuentes de los Estados Unidos.El primer tomo consiste de cinco partes cubriendo temas como la sección 933 del IRS, ingresos, ajustes y deducciones, y créditos. El segundo tomo consiste de cinco partes cubriendo temas como otros impuestos, pagos, y el formulario 1040-SS, y dieciocho escenarios tributarios para residentes bona fide de Puerto Rico, con sus correspondientes declaraciones. Read more

Introducing the 2025 Edition of the Amazon Expat Tax BestsellerAre you a U.S. citizen residing abroad? Living beyond American borders doesn't exempt you from the long arm of the IRS. The United States taxes its citizens on worldwide income, no matter where they roam. But fear not! Navigating the complexities of expat taxation just got easier with this updated guide.In U.S. Taxes for Worldly Americans, Olivier Wagner, a seasoned Certified Public Accountant, expat, and global traveler, unveils a treasure trove of strategies to help you legally minimize your tax burden while embracing a global lifestyle. Whether you're considering the life of a digital nomad or contemplating expatriation, this book equips you with the knowledge to safeguard your income and assets from undue taxation and penalties.Discover:Proven tactics for leveraging citizenship, residency, banking, incorporation, and physical presence in foreign countries to slash your U.S. tax liability to zero.Expert insights into international tax laws and regulations, meticulously updated for the 2024 tax year.Step-by-step guidance on navigating the Forms and Schedules necessary for offshore tax filing.Special deductions, credits, and exemptions available to expats, demystified for your benefit.The tax implications of residency or citizenship in foreign jurisdictions, including how they can work to your advantage.Essential considerations for expat families, including spouses and children of varying nationalities.Practical advice for relocating, living, and working tax-efficiently across the globe.Definitive strategies for getting a second passport and renouncing U.S. citizenship and bidding farewell to IRS obligations forever.Don't let tax uncertainty dampen your global lifestyle. Arm yourself with the knowledge and confidence to navigate the intricacies of U.S. taxation for expats. Read more

6 Column Ledger Book: Six Column Book for Accounting, Bookkeeping, Small Business and Personal FinanceThis 6 Column Ledger Book is designed as an accounting tool to help track financial transactions for small businesses and personal finance management. It utilizes multiple columns to record income and expenses, offering a simple and efficient method for bookkeeping.Features:Size : 8.5" x 11"108 Pages6 Column31 RowsWhite paperMatte coverUsing a column ledger book is a straightforward process that involves recording each financial transaction in the designated columns. For instance, when making a purchase on a specific date, simply enter the date in the "date" column, the details of the purchase in the "description" column, and the amount in the "debit" column. Similarly, when receiving payment for rendered services on a given date, enter the date in the "date" column, the service description in the "description" column, and the amount in the "credit" column. This systematic approach streamlines the process of financial record keeping and helps with organizing your financial data.A column ledger book is a useful tool for small business owners and individuals managing their personal finances. It provides a well-structured and efficient system for recording financial transactions, ensuring accuracy and reliability. The use of columns allows for easy tracking of income and expenses, facilitating budgeting and financial planning.Moreover, a column ledger book helps to identify trends in financial transactions, pointing out areas for growth and improvement. It's also a valuable reference for tax purposes and financial reporting, streamlining the process of audits and tax filings.Apart from these benefits, a column ledger book is an excellent tool for improving financial literacy and understanding, allowing individuals to make better-informed decisions. It's a cost-effective solution for managing finances, particularly for those with limited resources.Overall, using a column ledger book provides numerous advantages, including well-organized financial data, improved financial planning, and better financial literacy and decision-making.Don't wait – take control of your finances today and start using a column ledger book.Your financial future will thank you! Read more

A thrilling ride inside the world of tax havens and corporate mastermindsWhile the United States experiences recession and economic stagnation and European countries face bankruptcy, experts struggle to make sense of the crisis. Nicholas Shaxson, a former correspondent for the Financial Times and The Economist, argues that tax havens are a central cause of all these disasters.In this hard hitting investigation he uncovers how offshore tax evasion, which has cost the U.S. 100 billion dollars in lost revenue each year, is just one item on a long rap sheet outlining the damage that offshoring wreaks on our societies. In a riveting journey from Moscow to London to Switzerland to Delaware, Shaxson dives deep into a vast and secret playground where bankers and multinational corporations operate side by side with nefarious tax evaders, organized criminals and the world's wealthiest citizens. Tax havens are where all these players get to maximize their own rewards and leave the middle class to pick up the bill.With eye opening revelations, Treasure Islands exposes the culprits and its victims, and shows how:*Over half of world trade is routed through tax havens*The rampant practices that precipitated the latest financial crisis can be traced back to Wall Street's offshoring practices*For every dollar of aid we send to developing countries, ten dollars leave again by the backdoorThe offshore system sits much closer to home than the pristine tropical islands of the popular imagination. In fact, it all starts on a tiny island called Manhattan. In this fast paced narrative, Treasure Islands at last explains how the system works and how it's contributing to our ever deepening economic divide. Read more

Unlock your potential and master the Enrolled Agent Examination with the "Enrolled Agent Study Guide 2025-2026"! This comprehensive guide is meticulously crafted to equip aspiring enrolled agents with everything they need to know to pass the exam with confidence.Inside this all-in-one resource, you will find:In-depth Study Materials: Covering all essential topics, this study guide provides clear explanations, real-world examples, and actionable insights into tax law, ethics, and representation. Each chapter is designed to build your knowledge progressively, ensuring a solid grasp of complex concepts.700 Practice Test Questions: With hundreds of rigorously vetted practice questions, you’ll get a chance to test your understanding and familiarize yourself with the exam format. Each question is accompanied by detailed answer explanations, helping you learn from your mistakes and reinforcing key concepts.Exam Strategies: Gain valuable tips and strategies for approaching the exam, managing your time effectively, and tackling even the trickiest questions with confidence.Review Material: Concise review sections at the end of each chapter serve as quick refreshers, ideal for last-minute revisions or ongoing reviews as you prepare for the exam.Whether you're a novice entering the world of tax preparation or a seasoned professional aiming to enhance your credentials, this study guide is your ultimate companion in navigating the complexities of the Enrolled Agent Examination. Get ready to take the next step in your career and join the ranks of successful enrolled agents!Prepare, practice, and pass—achieve your goals with the "Enrolled Agent Study Guide 2025-2026"! Read more

Elgar Advanced Introductions are stimulating and thoughtful introductions to major fields in the social sciences, business and law, expertly written by the world’s leading scholars. Designed to be accessible yet rigorous, they offer concise and lucid surveys of the substantive and policy issues associated with discrete subject areas.This thoroughly revised third edition of the Advanced Introduction to International Tax Law provides an incisive overview of the key issues surrounding taxation and international law. Reuven S. Avi-Yonah explores the nuances of varying taxation systems using relevant and current case studies.Highlighting forward-thinking insights and research, this book explains tax treaties, how taxation is applied to income flowing across national borders, and how the limits imposed on such taxes have evolved over time. Avi-Yonah outlines the international tax regime regarding the foreign income of residents as well as the domestic income of non-residents, and how it has been dramatically modified in the last decade to address base erosion and profit shifting. Newly added chapters investigate contemporary issues such as BEPS 2.0 and the recent adoption of the OECD Two-Pillar solution by over 140 countries.Key Features:Defines the main principles of jurisdiction and how they apply to taxCritically analyses both inbound and outbound taxation, on both passive and active incomeDiscusses transfer pricing, a variant of source-based taxation that lies at the heart of modern efforts to tax corporations at sourceConcise and insightful, this third edition continues to be a crucial resource for students and scholars of international tax law, international business law and international commercial law, as well as fiscal policy and finance. It is also of great benefit to practitioners and policy-makers. Read more