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The document discusses different types of banks like savings banks and credit unions. It also covers various banking services such as deposits, checking accounts, loans, interest, and collateral. The document also discusses why people should save, investing in stocks, mutual funds, bonds, CDs, and the importance of credit ratings, loans, interest rates, collateral, principle, and credit cards. It also briefly mentions the Federal Reserve, FDIC, and bankruptcy.
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The document describes a global banking initiative called "Be the Bank" that allows individuals to become banks by opening accounts called Repository Trust Domains. Members can deposit cash or credit and get a debit/credit card from the banking cooperative to access lines of credit. Trustees use these lines of credit to make loans to projects and grow their capital reserves by buying and selling debt instruments called Medium Term Notes. The goal is for members to build credit reserves that can be used to buy equities for profit or goods and services for personal use.
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Savings accounts allow customers to set aside money and earn interest while maintaining liquidity. Money in savings accounts may not require reserves from banks and can be lent out. Withdrawals sometimes incur fees, though most savings accounts do not limit withdrawals like certificates of deposit. Checking accounts are transactional accounts that allow liquid withdrawals and deposits through various methods, but do not earn high interest rates. Mortgages are loans secured by real estate that must be paid back with interest over time through scheduled payments. Certificates of deposit are interest-bearing savings certificates with fixed maturity dates and interest rates.
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Banks are for-profit institutions that earn money through services like savings accounts and loans, while credit unions are non-profit cooperatives owned by members. Savings accounts provide interest income and have an annual percentage rate typically around 1-2%. Compound interest is better than simple interest since it earns interest on both the principal and accumulated interest over time. Certificates of deposit offer higher interest rates than savings accounts but may charge penalties for early withdrawals. Checking accounts allow purchases, payments and cash withdrawals, while overdraft protection can cover purchases made with insufficient funds for a fee. Proper check writing and endorsement procedures help prevent fraud. Maintaining an accurate check register is important for tracking account balances and transactions.
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Consumer confidence is stabilizing but most consumers are budgeting and prioritizing lower prices over quality. Higher income consumers have maintained spending levels. The number of people owing money on credit cards has increased 20%. Passengers at airports with JCDecaux displays tend to be higher income, financially savvy, hold multiple credit cards, and are often key decision makers or business travelers.
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Functions of commercial banks
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Meaning in Amharic: - (ቀና)፡-ወጣት ስራ ፈጣሪዎችን ቀና እንዲሉ የሚያግዝ ማለትም ካሉበት ነባራዊ ሁኔታ ቀና በማለት ወደ ተሻለ ተስፋ የሚያመሩበትን እድል ያመቻቻል፣ ቀና እድል (መልካም እድል) ለወጣት ስራ ፈጣሪዎች፡፡
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2. Capacitate Selected Young Entrepreneurs through Training, Coaching and Mentoring Program and business information.
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- EYEA has designed a program called Kena aims to build trust between entrepreneurs and financial institutions through IDEs Incubation & Acceleration.
EYEA's Kena program provides training, coaching and mentoring to empower young entrepreneurs to access finance.
Target of Kena
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Banks provide essential services like storing money, paying interest, and lending money to businesses and individuals. They make money through interest on loans and fees. Customers can choose from savings accounts, checking accounts, money market accounts, or certificates of deposit (CDs) to save their money. CDs and money markets generally pay higher interest rates than savings or checking but have restrictions on withdrawals. Using compound interest over time and higher interest rates can significantly increase savings returns. Banks practice fractional reserve banking by keeping a portion of deposits and lending out the rest to earn more interest.
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This document outlines various banking allied services. It discusses personal banking services like forex, demat, cards, insurance, and gold banking. Corporate banking services mentioned include project finance and merchant banking. Business banking services covered are cash management, trade services, transaction banking, investment banking, custodial services, and online services. SME banking services and mutual fund services are also summarized. Other miscellaneous services provided by banks are also listed.
(1) Banking on Ourselves -Flight to Simplicity
This document discusses the current banking system and proposes alternative models. It notes that the banking system led to oversized credit pyramids and opaque risk, fueling a housing bubble. As loans could not be repaid, the system faced solvency issues. The document proposes moving to a decentralized "Market 3.0" model of community partnerships and nondominium frameworks. This would involve stakeholders like custodians, users, managers, and investors collaborating through collective and associative agreements to govern productive assets using a stock model rather than interest-bearing loans. This aims to create a more sustainable and secure system for funding and financing.
Assets
This document discusses various aspects of deployment of funds by banks including mandated reserves like Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR), lending to different segments like retail and wholesale, products offered, and security mechanisms. It provides details on CRR and SLR requirements, segments banks lend to, retail lending characteristics and success factors, wholesale banking products including various working capital facilities, and security options for loans.
Banking Overview
The document provides an overview of various topics in banking including:
1. It introduces retail banking, corporate banking, investment banking and private banking and the various services offered under each.
2. It discusses key banking terminology like CASA (current and savings accounts), time deposits, loans, remittances and non-branch delivery channels.
3. It covers banking principles, regulations, accounting practices, lending, types of accounts, and legal and regulatory aspects of banking.
Ecuadorian financial system
The document provides an overview of the Ecuadorian financial system. It describes that the financial system is composed of private and public financial institutions, including banks, finance companies, cooperatives, mutual funds, and insurance companies. It notes that the financial system enables management of individual savings and development of economic activity through financial intermediaries. The document also outlines some key products and services of the Ecuadorian financial system, such as credit options, checking and savings accounts, and electronic banking services. It concludes by defining risk ratings scales that are used to assess the capacity of financial institutions to meet obligations.
Commercial Banks-B.V.Raghunandan
Commercial banks have three primary functions: receiving deposits from customers in various account types, lending funds to the public through various loan products, and investing deposits in government securities, bonds, and other financial instruments. They create credit by granting loans which allows recipients to access and spend the funds through check deposits and withdrawals. Secondary functions include providing agency services, general utility services, and more recently engaging in activities like housing finance, credit/debit cards, and various electronic banking services due to changes in their role.
Chapter 4
This document discusses various savings and payment services. It provides information on:
1. Common savings plans like savings accounts, CDs, money market accounts, and U.S. savings bonds. It emphasizes the importance of comparing rates of return and terms.
2. Different types of financial institutions like commercial banks, credit unions, and investment companies. It notes factors to consider when choosing an institution.
3. Various payment methods including debit cards, online payments, stored-value cards, and checking accounts. Managing a checking account through writing checks and bank reconciliation is also covered.
4. The importance of being aware of interest rate trends and choosing financial services and institutions to best meet daily money needs and minimize
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Mass media
This document discusses the role of mass media in politics. It describes how media events are often staged for media coverage. It outlines the development of different media like print, broadcast television and radio, and how they have shaped politics. Reporters rely on sources for stories and trial balloons to gauge reactions. News coverage favors soundbites and tends to be superficial. The media influence public opinion on what issues are important and how leaders are evaluated. The media can also restrict what policies government pursues through criticism and by pressuring officials to address problems.
Ushistoryreview
The document provides an overview of key events and developments in U.S. history from 1800 to 1877, including the Louisiana Purchase, the War of 1812, westward expansion and Manifest Destiny, the Mexican-American War, slavery debates and compromises, the Civil War, and Reconstruction. Key figures discussed include Thomas Jefferson, Andrew Jackson, Frederick Douglass, Harriet Tubman, and events like the Emancipation Proclamation.
Comparing social movments
The Tea Party movement arose in response to growing dissatisfaction with the federal government, large deficits, and the Obama administration. It is a loosely organized conservative movement that is populist in nature and against big government. While currently popular, especially among independents, analysts disagree on whether it represents the beginning of a new conservative era or is a reactionary movement defined by fear and anger that may not endure. The movement could potentially reshape American politics in the coming decade if it develops strong leadership and a clear vision and agenda.
Gilded age politics
The Gilded Age saw the rise of political machines that controlled major cities. Machines offered services to voters in exchange for support and used graft and sometimes election fraud to maintain power. A political boss would oversee ward and precinct captains who worked to deliver votes, while the boss controlled government jobs, licenses, courts and funneled contracts to supporters. Reforms eventually aimed to reduce patronage and base civil service on merit rather than political loyalty.
Immigration
Large numbers of immigrants entered the United States in the 1850s due to civil unrest, massive unemployment, and famine and disease in Europe. Germans and Irish immigrants came to America to escape these conditions, while later immigrants from Southern and Eastern Europe were fleeing religious and ethnic persecution as well as unemployment, famine, and disease.
Whyhistory
The document outlines different methods of historical inquiry including recall, interpretation, application, analysis, synthesis, and evaluation. It explains that historians recall facts, interpret events, apply lessons from the past to understand the present, analyze situations by breaking them into parts, synthesize information to find patterns and make generalizations, and evaluate people and events by making judgments. The study of history is important because it allows us to understand our shared experiences and apply lessons from the past to address current issues.
Class intro (uncoverage)
This presentation discusses how to study history through the eyes of those who lived in the past. The class grading policy focuses on summative and formative assessments, scholarly skills, and practice assignments. The schedule includes background readings followed by workshops examining primary and secondary sources to develop historical context. Students will use technology like Evernote, Mixed Ink and Wikispaces to store research, collaborate on projects, and display final works.
Unit 8 cold war and civil unrest 1945 to 1980
This document provides an overview of American history from 1945-1980, covering the Cold War era and civil unrest. It discusses the social anxieties of the 1950s, the civil rights movement and key events like Brown v. Board of Education, the Vietnam War and anti-war protests, the Watergate scandal, and Jimmy Carter's presidency. The document uses essential questions to frame different sections and provide context on major political and social issues during this time period.
Unit 7 pleasure and pain 1920 to 1945
This document discusses four sections on pleasure and pain between 1920-1945: 1) the Roaring 20s and unequal benefits of economic boom, 2) the Great Depression and its causes/impacts, 3) the New Deal reforms to address the Depression through relief, recovery and reform programs, and 4) the US joining WWII and becoming a superpower after the war. It also analyzes tensions emerging between the US and USSR as allies with differing political systems.
Unit 5 rebirth of a nation part one 1877 to 1900
The document summarizes Unit 5 of a course on the rebirth of the nation from 1877 to 1900. Section 1 discusses the growth of big business in America led by industrialists like Andrew Carnegie and John D. Rockefeller. Section 2 covers the conflict between labor and capital, influenced by the ideas of Karl Marx. Section 3 examines the origins of American empire, including the Spanish-American War and the nation's expansion into places like Hawaii, Cuba, and the Philippines through military action and diplomacy. Key foreign policies that supported imperialism included Roosevelt's Big Stick policy and Taft's Dollar Diplomacy.
Unit 4 separation and reconstruction
The document compares statistics between the Union and Confederate States during the American Civil War. It shows that the Union had a significantly larger total and free population, more soldiers, more railroad miles, dominated manufactured goods and firearm production, and exported more cotton before the war. However, by 1864, cotton exports from the Confederacy plummeted as the Union blockade took effect. The document also summarizes Lincoln and Johnson's Reconstruction plans, and opposition from Radical Republicans to Johnson's more lenient approach.
Unit 3 transformation and expansion
This document covers key events and developments during the period of 1800-1848 in the United States, including advances in transportation and communication that enabled westward expansion. It discusses the development of racial ideologies surrounding slavery in the South. The document also examines the reasons and impacts of westward expansion under the ideology of Manifest Destiny, as well as the struggles faced by Native Americans to maintain their lands and cultures in the face of white settlement and government policies.
Unit 1 the encounter
The Americas before Columbus had complex cultures and civilizations with no metal technology or large domesticated animals, though they had complex trade networks. The Aztec Empire conquered surrounding peoples and captured warriors to sacrifice. In 1519, the Spanish conquistador Hernan Cortes landed in Mexico with a small force but allied with native groups like the Nahuas, conquering the Aztec capital of Tenochtitlan by 1521, aided by smallpox epidemics. This period saw the Columbian Exchange where crops, animals and diseases were transferred between the Old and New Worlds, changing societies on both sides.
Unit 9 a nation among nations 1980 to today
Ronald Reagan was elected president in 1980 on a platform of smaller government, lower taxes, and stronger national defense. His policies realigned the Republican party and American politics, emphasizing supply-side economics and social conservatism. The collapse of the Soviet Union in 1991 left the United States as the world's sole superpower. However, the 9/11 terrorist attacks in 2001 led to prolonged wars in Afghanistan and Iraq. Technological innovations and financial deregulation fueled economic growth in the 1990s-2000s, but risky lending practices contributed to the global financial crisis of 2008.
Unit 2 forming a nation
This document provides an overview of the key events and factors that led to the formation of America as an independent nation. It discusses the religious Great Awakening movement in the colonies and how it helped stir independence among colonists. It also examines the economic and social conflicts between Britain and the colonies that moved the colonies toward revolution. Finally, it discusses the establishment of the American republic after independence and early challenges like Shays' Rebellion that highlighted the fragility of the new nation.
Doing history
This document introduces the historical discipline by outlining the types of questions historians ask, the primary and secondary sources they use, and how to analyze sources. It discusses that historians want to understand what happened, why, how, when, and who was involved. Primary sources include written documents, visual artifacts, and oral histories created during the time under study, while secondary sources are later analyses and interpretations of primary sources. When evaluating sources, historians consider the creator's identity and biases, as well as how close they were to the event. This helps provide context to better understand what a source means and its quality as a source of information about the past.
The transatlantic slave trade
The document discusses the history of slavery and the slave trade in the Americas. It begins by describing the harsh conditions slaves faced aboard crowded slave ships during the Middle Passage, with little food or water. It then addresses how slavery developed as an economic system, with plantations in the Caribbean and Americas relying on African slave labor to address a shortage of workers for the sugar industry. Racism towards those of African descent emerged during this period. European powers established companies to regulate trade and the slave trade grew into a large business, with slaves often obtained through warfare or kidnapping in Western Africa and exchanged for European guns and goods.
What is-history-ppt2347
This document outlines key concepts for understanding history, including who makes history, what is included or excluded, when and where it takes place, and why we study it. It also discusses major themes in U.S. history like immigration, liberty, federalism vs anti-federalism, religion, economics, imperialism, civil rights, and poses important questions about nation-building, violence, interpreting the constitution, and the role of government. The purpose is to provide an overview of essential elements and debates within the study of history.
The encounter
The document discusses the Americas before Columbus, including that there were over 50 million indigenous people with complex cultures and trade networks but no metal technology or large domesticated animals. It then focuses on the Aztec Empire, describing them as skilled warriors who conquered surrounding peoples and captured enemies for sacrifice. It notes that Hernan Cortes conquered the Aztecs by 1521 with the help of native allies and the smallpox epidemic. The document also briefly discusses Moctezuma II, the Aztec ruler held prisoner by the conquistadores, and the Columbian Exchange that resulted from contact between the Old and New Worlds.
52 flow of economic activity
The document discusses why individuals participate in the economic system. It explains that the economic system is circular, with individuals providing labor to businesses and government in exchange for wages, and then using those wages to purchase goods and services from businesses. This continuous cycle of exchanging labor for wages to buy goods repeats throughout one's lifetime as participation in the economic system is what enables individuals to meet their basic needs to live.
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Does teamwork really matter? Looking beyond the job posting to understand lab...Labour Market Information Council | Conseil de l’information sur le marché du travail
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.What's a worker’s market? Job quality and labour market tightness
What's a worker’s market? Job quality and labour market tightnessLabour Market Information Council | Conseil de l’information sur le marché du travail
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.WhatsPump Thriving in the Whirlwind of Biden’s Crypto Roller Coaster
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64 personal finance
- 1. Banking -Types of Banks -Banks -Savings Banks -Credit Unions
- 2. Banking -Banking Services -Deposits -Checking Accounts -Loans -Interest -Collateral
- 3. Banking -Government and Banking -Federal Reserve -FDIC
- 4. Savings -Why should people save??? -Banks -Investing -CD’s—Certificates of Deposit -deposits made in regular banks with a promise not to withdraw the money in return for a higher rate of interest.
- 5. Investing -Stocks -Wall Street -Bear Market -Bull Market -Mutual Funds Economic fund that combines the money of many investors and is operated by a professional fund manager who makes the investment decisions -Bonds -These are certificates issued to investors who loan their money to businesses or governments and are repaid with interest
- 7. Credit -Collateral– the item or property of value that is held as a promise to repay a loan -Principle– the principle is the remaining balance on any outstanding loan -Credit Cards -Bankruptcy—legal term for a court process whereby a person states their inability to repay their debts