Tom Spencer

NOVEMBER 17, 2018

Many an economics and finance course later, I see that the layers of complexities to the 2008 financial crisis are innumerable. Banks would rather store their money at the Fed than lend it to finance potentially risky projects. We were shocked, how could no one have seen the collapse coming? It all seemed so clear.

Financial 60

Financial Banking Balance Sheet Cash Flow 60

MishTalk

DECEMBER 26, 2013

Total credit in the economy (total social financing) showed a 40 per cent rise in November over the prior month and is on course for growth this year of almost 20 per cent. Of course this is possible, but it is highly improbable and, if it came to pass, would be truly unprecedented in modern economic history.

Balance Sheet 55

Balance Sheet Marketing Banking Financial 55

Harvard Business

JANUARY 16, 2017

To restore its balance sheet, it had to sell half the business. Of course, the CEO and the chair (or lead director) sit down amicably and select the items for each board meeting. Consequently, the finance group, the risk organization, and the nonexecutive directors do most of this work. Shortcomings in Self-Governance.

Company 70

Company Government Balance Sheet System 70

MishTalk

JULY 11, 2014

Historical evidence shows that this rarely happens following a balance sheet recession. They encapsulate the self-reinforcing interactions between perceptions of value and risk, risk-taking and financing constraints which translate into financial booms and busts. Financial cycles differ from business cycles.

Balance Sheet 68

Balance Sheet Financial Banking Policies 68

MishTalk

JANUARY 28, 2014

"Industrial and Commercial Bank of China, the world''s largest bank by assets, said on Thursday that it has no plans to use its own money to repay investors in a troubled off-balance-sheet investment product that it helped to market." Shen Jianguang seriously needs a Bubblicious Refresher Course : What Causes Economic Bubbles?

Banking 64

Banking Balance Sheet Productivity Financial 64

Tom Spencer

JULY 25, 2021

Corporate finance academics argue that firms should act to maximise shareholder value, since shareholders are the owners of the firm. Of course, it is possible that concentrations of wealth may lead to concentrations of power, which could be abused to the detriment of a nation and its citizens. Profit maximisation.

Productivity 97

Productivity Balance Sheet Marketing Government 97

LSA Global

MAY 9, 2019

It is not just the purview of finance to interpret the numbers that govern profit and loss; it behooves every employee to understand how and why the company makes money, spends money, and measures financial performance. Take a financial acumen course , do online research, or invest in a textbook on the subject. Study the Balance Sheet.

Balance Sheet 28

Balance Sheet Cash Flow Metrics Financial 28

Harvard Business

MARCH 30, 2017

Scholars from a number of fields have offered explanations for this transition, including globalization, technological change, declining unionization, heightened product market competition, and the rise of finance. What if we changed some of those incentives?

Marketing 70

Marketing Balance Sheet System Training 70

Harvard Business

JANUARY 24, 2017

Through a coordinated, systemic, prolonged intervention with dozens of institutions and thousands of individual participants, new growth of the local companies we trained has directly created over 1033 jobs, fueled by dozens of new private sector financings. The primary ingredient for sustaining growth is, of course, growth itself.

Training 70

Training Training Banking Balance Sheet 70

MishTalk

JUNE 28, 2013

Get Involved The State of the Unions Finances: A Citizens Guide. Balanced Budget Ammendment Sign the Balanced Budget Petition. Since these worst case scenarios are always famously optimistic, the best course of action would be to shut the agency down. Dollar Collapse News on the Dollar's Death Spiral.

Analysis 67

Analysis Trends Real Estate Case Interview 67

MishTalk

DECEMBER 26, 2014

They lower mortgage and consumer financing costs for households, who represent a substantial portion of total borrowing, allowing them greater spending power. This isn’t the first time, of course, that the balance-sheet dynamics during a growth miracle have created unrealistic evaluations about the quality of policymaking.

Banking 62

Banking System Benchmarking Finance 62

MishTalk

SEPTEMBER 26, 2013

We are often told that a fall in housing prices won’t affect the real economy in China much because, unlike in the US, the amount of real estate financed by mortgages is quite low. But of course they are not. This means that the foreign currency reserves are simply the asset side of a balance sheet against which there are liabilities.

Real Estate 52

Real Estate Banking Government Balance Sheet 52

MishTalk

JUNE 27, 2013

Get Involved The State of the Unions Finances: A Citizens Guide. Balanced Budget Ammendment Sign the Balanced Budget Petition. This is not only a China problem, of course. Of course no student of Hyman Minsky would be surprised by any of this. Dollar Collapse News on the Dollar's Death Spiral.

Analysis 60

Analysis Trends Real Estate Banking 60

MishTalk

JULY 2, 2013

Get Involved The State of the Unions Finances: A Citizens Guide. Balanced Budget Ammendment Sign the Balanced Budget Petition. Of course that assertion itself is another prediction. There exists no back-test for the current era of finance. Dollar Collapse News on the Dollar's Death Spiral.

Trends 53

Trends Analysis Real Estate Financial 53

MishTalk

NOVEMBER 20, 2015

Of course, there is also persistent overoptimism about earnings growth and stock market expectations. A possible explanation for the SEP’s prediction of a rapid catch-up to potential GDP after 2009 is that participants overestimated the efficacy of monetary policy in the aftermath of a so-called balance-sheet recession.

Balance Sheet 28

Balance Sheet Banking Study Policies 28

MishTalk

MARCH 17, 2014

This model rests on an understanding of how distortions in the savings rates of different countries have driven the great trade and balance-sheet distortions with which we are wrestling today, just as they have in most previous global crises, including those of the 1870s, the 1930s, and the 1970s. The process is quite easy to explain.

Banking 55

Banking Real Estate Productivity Policies 55

MishTalk

APRIL 1, 2015

Chicago finances are even worse than I thought which is saying quite a bit because I have written about the sorry state of Chicago finances on numerous occasion. Many of these uses of bond proceeds are not eligible for tax-exempt financing under the federal tax code." Not just financed, but financed with long-term debt.

Financial 28

Financial Engineering Finance Government 28

MishTalk

JULY 10, 2013

Get Involved The State of the Unions Finances: A Citizens Guide. Balanced Budget Ammendment Sign the Balanced Budget Petition. Participants also described their views regarding the appropriate path of the Federal Reserves balance sheet. Dollar Collapse News on the Dollar's Death Spiral.

Real Estate 48

Real Estate Financial Policies Case Interview 48

Harvard Business

SEPTEMBER 25, 2017

Of course, the retrenchment of global finance also reflects pressure on banks from regulators and shareholders to rebuild their capital and liquidity. As European banks retreat, China is leading something of a changing of the guard in global finance. And it is not alone.

Banking 71

Banking Balance Sheet McKinsey Finance 71

MishTalk

DECEMBER 17, 2013

The latest proposals could see up to 126 people being consulted on how to wind up a bank, even though agreement might need to be reached over the course of a weekend while financial markets are closed. At the heart of the disagreement is what to do when so-called bank resolution funds, financed by the banking sector, run out of money.

Banking 66

Banking Finance Balance Sheet Financial 66

Tom Spencer

MAY 9, 2020

For example, if the US government spends more than it collects in taxes, it can finance the budget deficit by selling bonds. Of course, some countries do have different monetary policies. The bonds are sold to primary dealers , who can then on sell the bonds to the Federal Reserve, who buys them with newly printed money.).

System 89

System Banking Government Insurance 89

Tom Spencer

AUGUST 12, 2020

The Cantillon Effect is not commonly taught in undergraduate economics courses. Of course, if an economy could grow faster than debt levels forever then the game could be prolonged indefinitely. In 2020, the Fed has galloped over the precipice, increasing its balance sheet by around $2.8 But this tends not to happen.

Banking 120

Banking Balance Sheet Financial Real Estate 120

MishTalk

JANUARY 3, 2014

Had I suggested in 2007 that the Fed balance sheet expansion of $75 billion a month would have been considered "tightening" people would have thought I was nuts. Total credit in the economy (total social financing) showed a 40 per cent rise in November over the prior month and is on course for growth this year of almost 20 per cent.

Conference 69

Conference Banking Government Balance Sheet 69

Harvard Business

MARCH 2, 2017

And, of course, as reflected in the names Dodd and Frank, it passed at a time when the Democratic Party had a majority in both the Senate and the House.” It’s also untrue because the requirement for more capital is about how banks fund their balance sheets, not the size of the balance sheet.

Banking 70

Banking Financial Balance Sheet System 70