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The State of Financial Services Marketing:
The State of Financial Services Marketing:

... When it comes to the question of who is responsible for financial education at their institution, the majority of marketers -- 56% -- report that the Chief Marketing Officer or head of marketing “owns” financial education. This arrangement is most common in credit unions, where 70% of respondents in ...
NASUCA IFRS Comments
NASUCA IFRS Comments

... its actions, or inactions, can have a dramatic impact on the overarching economic wellbeing of the United States. When the country faces economic turmoil, it is difficult for markets to be fair or efficient. Furthermore, the Commission must consider the impact of its decision on both the large, inst ...
Document
Document

... The role of the state in the society and the economy is one of the key distinguishing factors in the main trends of the economic theory. The dispute concerns not only the character of the state activity in the economic system, but also touches upon the degree of participation of the market and the s ...
Emerging Derivative Markets
Emerging Derivative Markets

... D are financial weapons of mass destruction (Buffet) D increase financial stability ; the more the better (Greenspan) D offer high leverage and cheap transaction costs (Financial Policy Forum) Notional values are not meaningful measures (FED) D make full disclosure even more difficult (World Bank) O ...
Scenario Review - Mexico
Scenario Review - Mexico

... We expect activity to rebound in 2Q13. We view the weakness in growth in 1Q13 as transitory, and not only because of the calendar effects. The markets for labor and credit remain supportive enough to ensure stronger growth rates in consumption. Also, the public budget set for this year hints that pu ...
Managing and preventing fínancial crises
Managing and preventing fínancial crises

... markets took place. At the time it was undertaken, the Swedish economy was experiencing a protracted economic upswing. This led to high investment, especially in the real estate sector where prices skyrocketed. Due to the earlier restrictions on borrowing there was a strong pent-up demand for credit ...
Financial Crisis and the Serbian Economy
Financial Crisis and the Serbian Economy

... In the developed world, this is a solvency crisis that was first mistaken for liquidity crisis only In the emerging world, it was first a liquidity crisis (through contagion and drop of confidence) that threatens to turn into solvency crisis, as the receding economy compounds the financial turmoil ( ...
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PDF Download

Financial cycle
Financial cycle

... • In good times the financial institutions and their clients may fail to price correctly the risks associated with their decisions or may even be incentivized to increase the extent of risk taken. • In such periods, access to external sources of financing improves significantly - such access is more ...
Monitoring Financial System Stability
Monitoring Financial System Stability

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united states securities and exchange commission - corporate

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Exploring the statistical potential of micro-databases
Exploring the statistical potential of micro-databases

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Protecting assets from long-term care expenses
Protecting assets from long-term care expenses

... knew that years of long-term care costs could deplete their life savings of around $500,000 very quickly. Our goal was to create a strategy to protect their assets in case Catherine had to go to a nursing home. First, I introduced them to an elder law lawyer, Leigh Bennett, to update their wills, po ...
Download: Competition and Regulation: Micro-economic support for macro-economic recovery (pdf)
Download: Competition and Regulation: Micro-economic support for macro-economic recovery (pdf)

... If the telecoms operators had simply been privatised in the ‘80s and ‘90s, we would not have seen the tremendous changes in the sector from which we have all benefited. Privatisation was followed by regulatory measures designed to foster competition on the telecoms markets. It is because of regulati ...
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Reducing Systemic Risk: Canada`s New Central
Reducing Systemic Risk: Canada`s New Central

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Comments to NAIC on Securities Listed by the Securities Valuation
Comments to NAIC on Securities Listed by the Securities Valuation

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MTA – ELTE CRISES HISTORY RESEARCH GROUP

Direct Leverage - Treasury.gov.au
Direct Leverage - Treasury.gov.au

... The Final Report notes with the stability of Australia’s financial system was assisted by the largely unleveraged nature of Australia’s superannuation system (e.g. page 87). The Interim Report noted that “The catalyst for the crisis was the deterioration of the United States housing and mortgage mar ...
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5 Financial Mistakes Physicians Make

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Financial System Classification
Financial System Classification

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Financial Crisis Inquiry Commission

The Financial Crisis Inquiry Commission (FCIC) is a ten-member commission appointed by the United States government with the goal of investigating the causes of the financial crisis of 2007–2010. The Commission has been nicknamed the Angelides Commission after the chairman, Phil Angelides. The Commission has been compared to the Pecora Commission, which investigated the causes of the Great Depression in the 1930s, and has been nicknamed the New Pecora Commission. Analogies have also been made to the 9/11 Commission, which examined the September 11 terrorist attacks. The Commission does have the ability to subpoena documents and witnesses for testimony, a power that the Pecora Commission had but the 9/11 Commission did not. The first public hearing of the Commission was held on January 13, 2010, with the presentation of testimony from various banking officials. Hearings continued during 2010 with ""hundreds"" of other persons in business, academia, and government testifying.The Commission reported its findings in January 2011. In briefly summarizing its main conclusions the Commission stated:""While the vulnerabilities that created the potential for crisis were years in the making, it was the collapse of the housing bubble—fueled by low interest rates, easy and available credit, scant regulation, and toxic mortgages—that was the spark that ignited a string of events, which led to a full-blown crisis in the fall of 2008. Trillions of dollars in risky mortgages had become embedded throughout the financial system, as mortgage-related securities were packaged, repackaged, and sold to investors around the world. When the bubble burst, hundreds of billions of dollars in losses in mortgages and mortgage-related securities shook markets as well as financial institutions that had significant exposures to those mortgages and had borrowed heavily against them. This happened not just in the United States but around the world. The losses were magnified by derivatives such as synthetic securities.""In April 2011, the United States Senate Homeland Security Permanent Subcommittee on Investigations released the Wall Street and the Financial Crisis: Anatomy of a Financial Collapse report, sometimes known as the ""Levin-Coburn"" report.
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