Easy ways to save money
This book provides one hundred and twenty easy to understand, practical ideas that you can use to start cutting costs today without decreasing your standard of living. No matter who you are, I guarantee that there will be at least one idea here that will pay for this book the very same week you read this! If this isn't enough incentive, conserving food, water and energy is going green. In the bulk of this work, I will present you an example budget then walk through each bill and offer several ways to save money. Using multiple ideas, you will be able to significantly decrease your spending. In many cases I will tell you how to find resources on the web. All that is needed from you is the willingness to make minor changes in your habits.
The Savings and Loan Crisis: Lessons from a Regulatory Failure sets the record straight about what actually happened to our banking institutions in the 1980s. As is documented by the highly respected and diverse group of former regulators, scholars and practitioners contributing to this book, the collapse of this industry was caused by a confluence of adverse economic conditions and misguided regulatory decisions. Poorly designed deposit insurance, faulty supervision, and restrictions on investments prevented savings and loans from adapting to a changing financial marketplace. Unable to use financial innovations, savings and loans could not hedge interest rate and credit risks. These factors blocked portfolio diversification and lay at the root of the crisis. The savings and loan crisis was an accident, but it was an avoidable one. Most of the factors responsible for causing and exacerbating the industry's problems were preventable, as is made clear in this volume. This book also provides an insider's view of the transformation of the financial services industry in the United States since the 1980s: how the managers and owners make decisions about product offerings and investments; how the regulators monitor performance and enforce the rules; and how Congress and the Administration influence and are influenced by the financial services industry. Lastly, it focuses attention on the lessons that should have been learned from this difficult period in the history of U.S. banking, and that should help prevent future banking crises everywhere.
Easy ways to save money Articles
Easy ways to save money Books
Easy ways to save money