Easy ways to save money
This is a "choose your own adventure" story. There are many paths to take as you follow this story. Some paths lead to riches, others to destruction. Your choices determine the outcome of your adventure. When you reach the end of the story, go back to the beginning and start over with different choices for a new and different adventure. You begin this adventure by answering a call that went out from the king of the land. His beautiful daughter has been kidnapped from inside the castle and the king is offering a reward for her safe return. All of the "would be adventurers" are gathering outside the castle for the king's blessing. Do you have what it takes to "Save the Fair Maiden?"
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.
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Easy ways to save money