Book Description
A colorful and insightful memoir on the creation and nurturing of the S& L debacle.
Customer Reviews:
If you don't have anything nice to say, come sit next to me.......2003-02-06
Seidman uses the above quote in the chapter where he apportions blame for the S&L fiasco. This book contains a lot of entertaining passages, and considering it is a book about finance written by an accountant, that in itself makes the book unusual.
I found the book to be well written, and very up-front about the authors biases. It was refreshing that the hidden agenda was right out in the open for everyone to inspect, just the way the author maintains that good government should operate. As Seidman states in his introduction:
"Why write about these experiences?" Of course, I share the goals of most memoirists: to immortalize my contribution to society; even scores with my enemies; provide financial security for my old age, confirm the taxpayers worst suspicions about their government; and generally leave a record of my adventures for the benefit of future historians".
Total garbage.......2002-06-08
Thinks he knows everything. Full of hot air.
Book Description
Everything you need to know about personal finance -- whether you're just starting out or starting over.
The hardest part of attaining personal financial freedom is getting started. Ilyce R. Glink makes it a snap. The smart, simple strategies presented in
50 Simple Things You Can Do to Improve Your Personal Finances let you take immediate control of your money. With her trademark wit, friendly style, and crystal-clear examples, Ilyce Glink helps you set financial goals and reach them. Topics include:
* Starting Out * Budgets and Savings * Credit, Credit Reports, and Debt * Investing Yourself in Investments * Big Purchases * The Ins and Outs of Insurance * Taxes * Marriage, Partnerships, Children * Planning for Your Retirement
Customer Reviews:
Common Sense but Not Simply Laid Out.......2006-12-24
With all the reports in the news about high rates of bankruptcy, high credit card debt, and lack of understanding in the general population about how to manage their finances, certainly everybody would love simple steps that help them make their finances better.
The first three steps all seem to involve *spending* money. She wants you to set up a home office area with office supplies and filing cabinets. She wants you to buy a computer, and Quicken. Next, you tally up your finances, calculate your net worth and plan out your goals. So far, none of these things seem to natively improve your financial situation. Yes, they're good planning steps.
OK we get on to #7 - a tip! "Spend less than you earn." Yes, that qualifies as a good tip. She actually provides 10 sub-tips here, things like "don't go out to movies" and "eat at home" (twice).
And on it goes. Don't smoke. Buy with cash, not credit. Use the web for directory assistance, not the phone company. Check your credit report. Consolidate your insurance bills.
The glossary in the back of the book is actually quite helpful, with a number of terms that come up in financial discussions. However, using her own tips, I could easily get that information from dictionary.com :)
Obviously this book *told* you they were "simple steps", not complicated ones. Still, I think that the book could have covered a wider range of information, and provided tips that were much more thorough. She could have created tip 1 as "set up a useful home office environment" that included the filing cabinets, computers, software, etc and warned you that it'd be over $500 to get this step done. There could be tip 2 about "get a handle on where you are now" and explaining in detail how to do that. Too many of the tips are redundant.
I also think, if this book is aimed at the very-beginning-market of people just out of college who are hoping to get their lives in order, that they could have done a better job of making this step by step. Provide checklists. Give simple examples. They do that in one or two places, but it could have been very helpful to do that with each tip.
There are many other books I'd recommend before this one, for people who are in this situation and need this kind of knowledge.
Sound Advice.......2006-07-29
This book presents good sound advice for people who want to manage and balance their finances properly.
The advice is not far fetched and outlandish..., like some other financial books.
Good for the common middle class person who wants to strive for better.
Personal Finance 101.......2005-08-19
This easy-to-read book gives very basic information on personal finance. It is a great start if you really don't know anything about managing your personal finances. If you have an average knowledge of the topic, you probably will not learn a lot. However, I did find it useful to reiterate things I already knew.
A very good book.......2005-04-03
I have read this book and feel it is a very good book to start building a solid financial foundation. This is not a book for the advanced, but for people like myself in their twenties (I'm 28) trying to figure out how they can be smarter with their finances. As I read through the book, I wrote down the "things" on a list and checked them off as I completed them. One of the interesting "things" was to check my property tax statement to ensure I wasn't be taxed for more property than I owned.
Again, this book isn't for the advanced financial planner; but I found it very helpful.
Good or lousy, depends on who you are..........2004-12-16
I have both purchased this book for someone and recommended some people to bypass it.
If you are just coming into the work force and aren't sure the right things to do to start you out on the right foot, I would recommend this book. I would also recommend this book if you are unsure of what good habits to get into, or are looking for a larger picture overview of personal finance.
If you are already down with the basics, or have a good idea of what you are doing and are looking for some more advanced help, skip this book and go to something more detailed.
I believe this book is meant to be an overview which cannot help but glance over some major points for the greater flow of the book. If you are looking for a cross-section of personal finance, you will never be satisfied with too many details and if you are looking for advanced help, you shouldn't purchase a high-level book. Do your research and know what you are looking for and this book can be exactly what you are looking for.
I particularly think this is a good gift for those just making their way on their own.
Book Description
A step-by-step, real-world guide to the use of Value at Risk (VaR) models, this text applies the VaR approach to the measurement of market risk, credit risk, and operational risk. The book describes and critiques proprietary models, illustrating them with practical examples drawn from actual case studies. Explaining the logic behind the economics and statistics, this technically sophisticated yet intuitive text should be an essential resource for all readers operating in a world of risk.The text uses VaR techniques to analyze loans, derivatives, equity prices, foreign currencies and other financial instruments. Featuring comprehensive coverage of the BIS bank capital requirements, and including the latest proposals for the New Capital Accord, the book also describes the newest application of VaR techniques to operational risk measurement. The text examines the promise and the pitfalls of these risk measurement models, and makes recommendations for future research into this important area.
Book Description
The individual risks faced by banks, insurers, and marketers are less well understood than aggregate risks such as market-price changes. But the risks incurred or carried by individual people, companies, insurance policies, or credit agreements can be just as devastating as macroevents such as share-price fluctuations. A comprehensive introduction, The Econometrics of Individual Risk is the first book to provide a complete econometric methodology for quantifying and managing this underappreciated but important variety of risk. The book presents a course in the econometric theory of individual risk illustrated by empirical examples. And, unlike other texts, it is focused entirely on solving the actual individual risk problems businesses confront today.
Christian Gourieroux and Joann Jasiak emphasize the microeconometric aspect of risk analysis by extensively discussing practical problems such as retail credit scoring, credit card transaction dynamics, and profit maximization in promotional mailing. They address regulatory issues in sections on computing the minimum capital reserve for coverage of potential losses, and on the credit-risk measure CreditVar.
The book will interest graduate students in economics, business, finance, and actuarial studies, as well as actuaries and financial analysts.
Book Description
Managing Reputational Risk shows how any organisation can apply simple risk management principles to build stakeholder confidence and safeguard and enhance reputation. It positions reputation and its associated threats and opportunities where they rightfully belong: in the domain of the board room, at the heart of good corporate governance, leading-edge strategy development, effective risk management, corporate responsibility, comprehensive assurance and transparent communications.
- Illustrates, through numerous examples of good - and not so good - business practice, the importance of respecting and nurturing reputation as a critical intangible asset.
- Demonstrates how mastery of reputation risks can enable an organisation to be seen as responsible and responsive, as well as equipping it to meet the challenges that lie ahead.
Download Description
Managing Reputational Risk shows how any organisation can apply simple risk management principles to build stakeholder confidence and safeguard and enhance reputation. It positions reputation and its associated threats and opportunities where they rightfully belong: in the domain of the board room, at the heart of good corporate governance, leading-edge strategy development, effective risk management, corporate responsibility, comprehensive assurance and transparent communications.
- Illustrates, through numerous examples of good - and not so good - business practice, the importance of respecting and nurturing reputation as a critical intangible asset.
- Demonstrates how mastery of reputation risks can enable an organisation to be seen as responsible and responsive, as well as equipping it to meet the challenges that lie ahead.
Customer Reviews:
An invaluable reference.......2005-02-23
This is both a very good overview of the principles and practice of risk management and an excellent application of the principles to managing risks to organisational reputation.
Reputation of an organisation is too often regarded simply as something for the public relations consultants. The author demonstrates the holistic nature of the influences on reputation and works through each of the aspects requiring management, and how they fit together.
The only disadvantage of the book is that, because it is so thorough, reading it in full requires a fair commitment of time and attention. To assist the reader, the chapter structure is logical and subsections clearly identified and the many tables and charts provide an effective summary of key points. For those with primary responsibility for an organisation's policies and practices relating to reputation, it is an invaluable reference.
Insightful!.......2004-04-22
The reputations of several major corporations (Enron, WorldCom, Parmalat and Tyco, to name a few) recently suffered from allegations of fraud, self-dealing, insider trading, accounting shenanigans and various other misdeeds. The sense of scandal became so pervasive that some businesspeople felt ashamed of their profession. Now, the mere rumor of misconduct is sufficient to send a company's stock price down. Ironically, in an era when the transnational corporations seem omnipotent in their globe-girdling might, many of them greatly resemble nubile maidens in an eighteenth century romance, their whole fate dependent on spotless and easily marred reputations. That being the case, every business and every business manager should prioritize the careful husbanding of reputation. We find that this book, which has been highly praised by some of the most estimable authorities on business ethics and management, offers a comprehensive, if sometimes pedantic, guide to every step of building, measuring, preserving and growing reputation capital.
Product Description
In the past ten years, the world of microfinance has changed dramatically. The field has moved rapidly from early innovations in providing loans to help poor entrepreneurs start businesses to a bold vision of creating entire financial systems that work for the poor. Microfinance has proven to be an effective tool for reducing poverty and helping poor people to improve their lives. And yet a diverse range of potential clients still lack access to an array of financial services not just credit for enterprise but also a safe place to save, the ability to transfer funds to family members, insurance against sickness or other household disasters, and other ways to mitigate risk in vulnerability. The challenge today is to engage more types of distribution systems, more technologies and more talent to create financial systems that work for the poor and boost their contribution to economic growth. This title explains what this new vision of microfinance means in practical, non-technical terms.
Download Description
In the past ten years, the world of microfinance has changed dramatically. The field has moved rapidly from early innovations in providing loans to help poor entrepreneurs start businesses to a bold vision of creating entire financial systems that work for the poor. Microfinance has proven to be an effective tool for reducing poverty and helping poor people to improve their lives. And yet a diverse range of potential clients still lack access to an array of financial services - not just credit for enterprise but also a safe place to save, the ability to transfer funds to family members, insurance against sickness or other household disasters, and other ways to mitigate risk in vulnerability. The challenge today is to engage more types of distribution systems, more technologies and more talent to create financial systems that work for the poor and boost their contribution to economic growth. This title explains what this new vision of microfinance means in practical, non-technical terms.
Amazon.com
People panicked during a credit crunch or economic downturn on London's Lombard Street of the 1800s just as they do on Wall Street today. That's only one reason this reprint of the classic book by famed 19th-century economist Walter Bagehot offers lessons even now. First published in 1873, the book is a compilation of 11 essays that Bagehot wrote as the editor of The Economist, and includes his advice to banks for dealing with financial crises: "We must keep a great store of ready money always available, and advance out of it very freely in periods of panic, and in times of incipient alarm. Any notion that money is not to be had, or that it may not be had at any price, only raises alarm to panic and enhances panic to madness."
In terms of the U.S. savings-and-loan crisis and the Asian economic meltdown of the 1990s, Bagehot's words still ring as timely, even with the dated references to British politics of the time. For example, he proposed allowing unstable banks to collapse and advocated creating an independent finance professional to run the nation's central bank. Lombard Street, named after London's financial district and the birthplace of the money market, will be an eye opener for students and others interested in the history and workings of financial systems. --Dan Ring
Book Description
This Elibron Classics book is a reprint of a 1920 edition by John Murray, London.
Download Description
With so many advantages over all competitors, it is quite natural that the Bank of England should have far outstripped them all. Inevitably it became the bank in London; all the other bankers grouped themselves round it, and lodged their reserve with it. Thus our one reserve system of banking was not deliberately founded upon definite reasons; it was the gradual consequence of many singular events, and of an accumulation of legal privileges on a single bank which has now been altered, and which no one would now defend.
Customer Reviews:
Note worthy.......2005-12-20
An engrossing read for anyone who has an interest in business and economic history as written by contemporaries of yesteryear. Enjoy!
The human face of finance.......2003-11-23
Can a book about finance written in 1873 be helpful in a world with complex financial markets and plenty of information about how they work? The answer is yes. It is not that "Lombard Street" is a classic that one finds quoted many a time; the reader's interest should transcend historical inquiry or curiosity; "Lombard Street" should be read and revered by anyone interested in the underlying, abiding features of financial markets.
But what are those characteristics? Bagehot, then editor of The Economist, writes that credit centers on trust: "Credit means that a certain confidence is given, a certain trust reposed." And, banks always have on-demand liabilities that far exceed their readily available assets. In short, credit works on trust, and the system, in the absence of trust, can fall apart rapidly.
What follows from these premises is a careful examination of how the money market came about, what its uses are, how its operations are connected to trade and country's overall welfare, and, most importantly, how central banks can deal with financial crises. Written elegantly, "Lombard Street" is, at the same time, an introductory overview of the market and a trenchant analysis of its most salient features.
But what makes "Lombard Street" timeless is that it deals with finance in its human form. Bagehot talks about power, prestige and perception as much as he does about interest, discount, and credit. Trust is based on institutions and people: the human features of finance-trust, anxiety, mania, optimism-are timeless and apply to the financial markets of the nineteenth, twentieth, or twenty-first century. That is why "Lombard Street" is an ever useful introduction and guide.
A classic must-read.......2001-08-01
Walter Bagehot was the first editor of the now world-famous Economist magazine, which has in many ways remained faithful to the liberal philosophy (in a European sense)of its founder. Lombard Street might be difficult to read at first, but as with Charles Dickens once you get used to the style the tale is riveting. And his advice on how a central bank, as the lender of last resort, should behave in the face of a banking crisis remains valid to this day.
Very Thorough, yet Tough to Read.......2001-02-01
Wiley Investment Classics generally fall into two categories, tough and dreary reads full of information, and lively entertaining accounts which also educate. Unfortunately, Mr. Bagehot and Mr. Bernstein's text is the former. The book does an outstanding job of promoting the importance of a strong central banking system and the importance of strict credit control when combating financial crises. However, it does so amidst extremely repetitive and somewhat painful language. The authors provide outstanding quantitative and anecdotal evidence supporting their case, but they do so in such a way that makes the book a true labor to read.
This book would be very beneficial to anyone doing research on, or working for some kind of central banking organization. Otherwise, I would suggest looking to any of the other Wiley Investment Classics for a more interesting and educational read about finance.
Average customer rating:
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Elsevier's Dictionary of Export Financing and Credit Insurance
P. Dorscheid
Manufacturer: Elsevier Science
ProductGroup: Book
Binding: Hardcover
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ASIN: 0444505334 |
Book Description
The world is changing and so are international trades in goods and services, their financing as well as their traditional forms of ensuring and guaranteeing. The second edition of this dictionary takes account of this ongoing development.
Twenty years ago, export credit insurance was, nearly exclusively, a matter of state support to the exporting industry: preferential financing facilities offered through state banks and public export credit insurance through governmental or state-near export credit agencies (ECAs). The terminology was dependent on the national legal and commercial systems of these institutions. Ten years ago, it became obvious that export credit insurance was no longer an exclusive matter of ECAs when all major private credit insurers began to offer cover for commercial risks. Today, we are at the edge of covering even political risks on the account of private credit insurance companies and their reinsurers.
These economic developments left their traces in the terminology of export financing and credit insurance and will continue to do so in the future. This dictionary may be useful to practitioners, exporters, bankers and credit insurance companies in particular, as well as to specialised translators, scholars and scientists.
Average customer rating:
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Managing Official Export Credits: The Quest for a Global Regime
John E. Ray
Manufacturer: Peterson Institute
ProductGroup: Book
Binding: Paperback
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ASIN: 0881322075 |
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