Sumit Agarwal – författare

Have you ever fallen victim to the system? Felt humiliated and helpless? Have you fought back?Meet four such patriots: Varun, an NRI software engineer; Salman, CEO of Coffee Moments; Raghav, a virtuous politician; and Aditya, an altruistic businessman.Fate brings these four lives together at a crossroads, pushing these unlikely heroes out of their comfort zones to fight a seemingly unstoppable evil force which wants to hold our country captive. The four companions, who have always had each other's back, will now come face-to-face with the biggest challenge of their lives-a labyrinthine plot rife with perilous twists and wicked turns. With the nation's future at stake, will they be able to destroy the Chakravyuh intricately laid down by the enemies of India? Will they come out of it alive?A story about friendship, faith and courage, replete with romance and patriotism, The Four Patriots is a racy, contemporary thriller sure to give you goosebumps.Pick this book if you do not believe 'is desh ka kuch nahin ho sakta'; and if you think all is not lost, this is a must-read!

The disappearance of the Malaysian aircraft MH470 has remained a mystery, until now! Kabir, a top-ranking Indian military intelligence officer, has been on a personal mission for nearly a decade to unravel the truth behind a suspected plane crash. During hisatest submarine expedition aimed at finding the plane's debris, he contracts a severe infection and is admitted to a hospital in Kualaumpur. But Kabir is now getting too close to the truth and someone wants to end his pursuit. When a hired assassin and his men chase Kabir on the streets of Kualaumpur, a beautiful US secret service agent, Keira, comes to his rescue. Before Kabir can figure out who wants him dead and whether Keira is really who she claims to be, he gets a call from a secret society, imploring him to join a mission to save mankind”and himself”from destruction. The impending disaster is actually the climax of a century-long conspiracy. Kabir is caught in the middle of a war between two secret societies. It is a war that threatens to change the world's destiny, as well as Kabir's, in the next 72 hours. Set in two converging timelines, this must-read thriller is also a probe whether religion is the real reason behind terrorism, war and suffering in the world.

Have you ever wondered how one can save from taxi rides during surge pricing? Why you would shop more under sunny weather? What effects does a bankrupt neighbour have on residents living in the estate? How do people perceive risks during the coronavirus pandemic? Kiasunomics©2 explores these issues and more in a light-hearted and easy-to-understand manner, by showing the economic ramifications of individual choices through the lens of Teng, the protagonist of this book, and his family and friends. Based on research from the National University of Singapore, the book explains the influences and consequences of the decisions made by all of us, using simple economic logic.This sequel to Kiasunomics©, a finalist at the Singapore Book Awards 2018, fast forwards a couple of years and follows Teng in his mid-career as a taxi driver. Ferrying passengers for a living, Teng has to grapple with challenges arising from ride hailing services. As one of the breadwinners in a three-generation household, Teng's ability to make wise financial decisions in a fast-changing world becomes increasingly important in attaining his dream of moving his family up the socio-economic ladder.This book covers hot and timely topics, which include: falling prices of old Housing and Development Board flats, rising land prices, wealth disparity among households, the Central Provident Fund retirement policy, regulation of car population, ride hailing services, mobile payments, and the coronavirus pandemic. These are unravelled through the authors' application of research findings.The book brings to light the relevance of research, often seen as esoteric, on our daily life and decision making. It also bears on policy implications, particularly issues on transportation, health, housing, and retirement.

Have you ever wondered how one can save from taxi rides during surge pricing? Why you would shop more under sunny weather? What effects does a bankrupt neighbour have on residents living in the estate? How do people perceive risks during the coronavirus pandemic? Kiasunomics©2 explores these issues and more in a light-hearted and easy-to-understand manner, by showing the economic ramifications of individual choices through the lens of Teng, the protagonist of this book, and his family and friends. Based on research from the National University of Singapore, the book explains the influences and consequences of the decisions made by all of us, using simple economic logic.This sequel to Kiasunomics©, a finalist at the Singapore Book Awards 2018, fast forwards a couple of years and follows Teng in his mid-career as a taxi driver. Ferrying passengers for a living, Teng has to grapple with challenges arising from ride hailing services. As one of the breadwinners in a three-generation household, Teng's ability to make wise financial decisions in a fast-changing world becomes increasingly important in attaining his dream of moving his family up the socio-economic ladder.This book covers hot and timely topics, which include: falling prices of old Housing and Development Board flats, rising land prices, wealth disparity among households, the Central Provident Fund retirement policy, regulation of car population, ride hailing services, mobile payments, and the coronavirus pandemic. These are unravelled through the authors' application of research findings.The book brings to light the relevance of research, often seen as esoteric, on our daily life and decision making. It also bears on policy implications, particularly issues on transportation, health, housing, and retirement.

On March 12th 2020, World Health Organization (WHO) declared the spreading of the new virus, 2019-nCoV, a pandemic. In Asia, the virus, more commonly referred to as COVID-19, has been spreading since the end of December. To contain the public health threat, almost all countries enforced a variety of measures, including lockdowns, to minimize face-to-face human interactions between the infected and the susceptible.While these vigilant measures save lives, they also generate a substantial negative economic shock that immediately halts demand and significantly disrupts supply, global production value chain and trade. The consequences are dire — considerable decline in output, massive surge in unemployment, countless bankruptcy cases, and unrelentless worries over financial stability. The result, a worldwide economic setback, is more severe than that experienced during the Great Financial Crisis of 2008–2009.Asia's experiences with COVID-19 precede that in the West. This fortuitous timing allows Asia to share its learnings drawn from experiences to benefit the world.The Asian Bureau of Finance and Economic Research's (ABFER) community has gathered a collection of insights to inform the public. Besides providing access to research on the pandemic conducted in Asia, these commentaries offer comprehensive information on the effects of the pandemic, the effectiveness of measures employed to contain it and the subsequent economic impacts from such implementation. With granular analyses of government policies and their associated economic rescue packages, these commentaries elucidate the hard trade-offs between public health protection and economic security. Finally, the commentaries address the broader impact of the pandemic on international trade, global value chains and society.

This book is dedicated to showcasing the importance of household financial management through the lens of academic research, with the goal of enhancing the financial well-being of individuals.Through an exploration of households' financial choices over their lifecycle, the book aims to provide a comprehensive understanding of households' financial decision-making processes, grounded in economic models, policies, and data.This holistic perspective encompasses an awareness of the functioning of different market types and an appreciation of various cognitive and behavioral biases. As a result, readers would be better positioned to make informed financial choices.By further integrating theories and empirical evidence from economics and finance, the book provides readers with insights into actions they can take to circumvent common financial pitfalls and offers solutions for effectively addressing them.Supplementary Material Resources:Resources are available to students who adopt this textbook for their courses. These include: (1) PowerPoint deck. Please contact .

This book is dedicated to showcasing the importance of household financial management through the lens of academic research, with the goal of enhancing the financial well-being of individuals.Through an exploration of households' financial choices over their lifecycle, the book aims to provide a comprehensive understanding of households' financial decision-making processes, grounded in economic models, policies, and data.This holistic perspective encompasses an awareness of the functioning of different market types and an appreciation of various cognitive and behavioral biases. As a result, readers would be better positioned to make informed financial choices.By further integrating theories and empirical evidence from economics and finance, the book provides readers with insights into actions they can take to circumvent common financial pitfalls and offers solutions for effectively addressing them.Supplementary Material Resources:Resources are available to students who adopt this textbook for their courses. These include: (1) PowerPoint deck. Please contact .

"Tien Foo, Sumit and Swee Hoon's latest instalment in the Kiasunomics series presents day-to-day issues in interesting ways, drawing on deep research to offer interdisciplinary insights such as the correlation between rising sea levels and fluctuating property prices, and the impact of mobile payments on business creation. The Kiasunomics series makes economics fun and accessible, and I hope it inspires readers to contemplate why economics matters in today's world and how it influences the Singaporean way of life."Extracted from the Foreword by Chan Chun SingMinister for Education, SingaporeHave you ever wondered whether the Build-To-Order scheme affects marriage and divorce? Do you think haze affects physical and intellectual characteristics of babies? Is there a relationship between foreign buyers and property transactions? Are women more strategic taxi drivers? These and more are discussed in Kiasunomics©3 in an easy-to-understand manner.Each chapter, written simply and light-heartedly, is self-contained and covers a different research topic conducted at the National University of Singapore. The research findings are discussed in conversational terms to help readers understand the influences and consequences of the decisions made by all of us, using simple economic logic.This edition covers topics including the effects of climate change on property prices, purchase behavior when there is an online security breach, effects of parental bankruptcy on children, food orders during COVID lockdown, and many more.The book brings to light the relevance of research, often seen as esoteric, on our daily life and decision-making. It also bears on policy implications, particularly issues on housing, retirement, and financing.

"Tien Foo, Sumit and Swee Hoon's latest instalment in the Kiasunomics series presents day-to-day issues in interesting ways, drawing on deep research to offer interdisciplinary insights such as the correlation between rising sea levels and fluctuating property prices, and the impact of mobile payments on business creation. The Kiasunomics series makes economics fun and accessible, and I hope it inspires readers to contemplate why economics matters in today's world and how it influences the Singaporean way of life."Extracted from the Foreword by Chan Chun SingMinister for Education, SingaporeHave you ever wondered whether the Build-To-Order scheme affects marriage and divorce? Do you think haze affects physical and intellectual characteristics of babies? Is there a relationship between foreign buyers and property transactions? Are women more strategic taxi drivers? These and more are discussed in Kiasunomics©3 in an easy-to-understand manner.Each chapter, written simply and light-heartedly, is self-contained and covers a different research topic conducted at the National University of Singapore. The research findings are discussed in conversational terms to help readers understand the influences and consequences of the decisions made by all of us, using simple economic logic.This edition covers topics including the effects of climate change on property prices, purchase behavior when there is an online security breach, effects of parental bankruptcy on children, food orders during COVID lockdown, and many more.The book brings to light the relevance of research, often seen as esoteric, on our daily life and decision-making. It also bears on policy implications, particularly issues on housing, retirement, and financing.

This handbook is designed for researchers, practitioners, and anyone interested in the academic study of household sustainability. It offers a comprehensive overview of cutting-edge research across three major domains: household environmental sustainability, social sustainability, and financial sustainability. Through concise summaries of influential studies and key empirical findings, the book highlights how households adapt, make decisions, and contribute to broader sustainability goals. Whether you are exploring this field for the first time or seeking an up-to-date reference, this handbook provides valuable insights into the evolving landscape of household sustainability research.Households play a pivotal role in shaping the sustainability of our planet. The choices individuals and families make in their daily lives ripple outward, influencing environmental conditions, social well-being, and economic stability. Yet traditional economic models often emphasize maximizing benefits within a single unit and a single lifecycle, overlooking the needs of other households and future generations. The emerging field of household sustainability addresses this gap by examining how households make decisions that affect environmental quality, social outcomes, and financial resilience — and how they respond to interventions aimed at improving these dimensions. By recognizing the complex interactions among these three pillars, the field seeks to understand how households can enhance their current well-being without compromising the welfare of future generations. Within existing economic frameworks, household sustainability introduces two additional foundational considerations: the importance of long-term growth for descendants and the broader constraints facing human societies.

Household finance studies is a relatively recent field, exploring a growing understanding of how households make financial decisions relating to the functions of consumption, payment, risk management, borrowing and investing; how institutions provide goods and services to satisfy these financial functions of households; and how interventions by firms, governments and other parties affect the provision of financial services. This timely book analyses existing findings about household behavior as well as findings related to policy interventions.With international case studies, this book reviews a topic of global importance and brings a crucial up-to-date survey of the field for researchers and postgraduate students.

Household finance studies is a relatively recent field, exploring a growing understanding of how households make financial decisions relating to the functions of consumption, payment, risk management, borrowing and investing; how institutions provide goods and services to satisfy these financial functions of households; and how interventions by firms, governments and other parties affect the provision of financial services. This timely book analyses existing findings about household behavior as well as findings related to policy interventions.

With international case studies, this book reviews a topic of global importance and brings a crucial up-to-date survey of the field for researchers and postgraduate students.

Household finance studies is a relatively recent field, exploring a growing understanding of how households make financial decisions relating to the functions of consumption, payment, risk management, borrowing and investing; how institutions provide goods and services to satisfy these financial functions of households; and how interventions by firms, governments and other parties affect the provision of financial services. This timely book analyses existing findings about household behavior as well as findings related to policy interventions.With international case studies, this book reviews a topic of global importance and brings a crucial up-to-date survey of the field for researchers and postgraduate students.

Have you ever wondered whether individuals born in the year of the Dragon are truly blessed? Or why you can't find a taxi when you need one? What about the effects of superstitious beliefs on housing prices? Kiasunomics© explores these issues and more in a series of stories through the lens of Teng, the protagonist of this book. Told in a conversational story-telling style yet grounded on rigorous research, the book explains the influences and outcomes of the decisions we make, using simple economic logic.The book follows the life journey of Teng — from birth to adulthood — and examines how seemingly innocuous decisions bear economic consequences on his life. It starts with the decision by Teng's parents to have him as a Dragon baby and shows how this decision affects not only his education but also his career and spending in the long term. The grown-up Teng in later chapters, is a taxi driver who learns that the daily budgeting of finances from many of his taxi-driving friends has proven to be poor financial planning. The story also shows how his purchase of a flat based on superstitious beliefs, and its location near a primary school and a Mass Rapid Transit station influences prices, and with some surprising results.This book touches the man on the street with issues that many Singaporeans can identify with. These include how Singaporeans' shopping in Johor affects their spending and savings; how different shoppers respond variedly to predictable promotions such as the Great Singapore Sale; how the haze or a mere nearby construction site affects water and electricity consumption; how playing golf elevates women's opportunities to sit on corporate boards; how Singaporeans' travel patterns are affected by their opinion towards public transportation; and how retirement poses financial challenges in silver years. These and many more are unravelled in the 20 stand-alone chapters through the authors' application of their research findings to day-to-day issues.Kiasunomics© brings to light that research can be made relevant to our daily living. Research helps us make sense of what we do and with that, we can learn to make better decisions for a smarter thinking nation.

Have you ever wondered whether individuals born in the year of the Dragon are truly blessed? Or why you can't find a taxi when you need one? What about the effects of superstitious beliefs on housing prices? Kiasunomics© explores these issues and more in a series of stories through the lens of Teng, the protagonist of this book. Told in a conversational story-telling style yet grounded on rigorous research, the book explains the influences and outcomes of the decisions we make, using simple economic logic.The book follows the life journey of Teng — from birth to adulthood — and examines how seemingly innocuous decisions bear economic consequences on his life. It starts with the decision by Teng's parents to have him as a Dragon baby and shows how this decision affects not only his education but also his career and spending in the long term. The grown-up Teng in later chapters, is a taxi driver who learns that the daily budgeting of finances from many of his taxi-driving friends has proven to be poor financial planning. The story also shows how his purchase of a flat based on superstitious beliefs, and its location near a primary school and a Mass Rapid Transit station influences prices, and with some surprising results.This book touches the man on the street with issues that many Singaporeans can identify with. These include how Singaporeans' shopping in Johor affects their spending and savings; how different shoppers respond variedly to predictable promotions such as the Great Singapore Sale; how the haze or a mere nearby construction site affects water and electricity consumption; how playing golf elevates women's opportunities to sit on corporate boards; how Singaporeans' travel patterns are affected by their opinion towards public transportation; and how retirement poses financial challenges in silver years. These and many more are unravelled in the 20 stand-alone chapters through the authors' application of their research findings to day-to-day issues.Kiasunomics© brings to light that research can be made relevant to our daily living. Research helps us make sense of what we do and with that, we can learn to make better decisions for a smarter thinking nation.

Modinomics: From Reforms to Transformation brings this evolution to life. The book charts the transition in governance, highlighting new policies introduced, existing ones strengthened, and outdated practices phased out.Structured in three key parts, the book first explores the monetary policies initiated under the Modi government. The second focuses on fiscal measures, while the third examines social programmes implemented during his tenure. The concluding sections delve into education, healthcare, digital and physical infrastructure, and the Make in India initiative.Narendra Modi, the longest-serving non-Congress Prime Minister in India's history, ushered in a distinctly new vision for the nation. The rise of the Bharatiya Janata Party signalled a transformation in India's monetary, fiscal, and social frameworks, marking a departure from long-standing traditions.This volume offers a comprehensive overview of the Modi administration, its wide-ranging initiatives, and their trajectory. With relevant global comparisons and well-crafted academic insights, the authors present clear conclusions, emerging possibilities, and a forward-looking perspective.A must-read for anyone seeking to understand India's economic landscape—and to critically compare the pre- and post-Modi eras.