Skip to main content

Home/ Diigo In Education/ Group items tagged banking

Rss Feed Group items tagged

Jac Londe

Fractional-reserve banking - Wikipedia, the free encyclopedia - 1 views

  • Fractional-reserve banking
  • Fractional-reserve banking is a type of banking whereby the bank does not retain all of a customer’s deposits within the bank. Funds received by the bank are generally lent to other customers. This means that available funds (called bank reserves) are only a fraction (called the reserve ratio) of the quantity of deposits at the bank. As most bank deposits are treated as money in their own right, fractional reserve banking increases the money supply, and banks are said to create money.
Jac Londe

Bank of Canada - Wikipedia, the free encyclopedia - 0 views

  • Bank of Canada
  • The bank began operations on March 11, 1935, after the passage of the Bank of Canada Act. Initially the bank was founded as a privately owned corporation in order to ensure it was free from political influence. In 1938, under Prime Minister William Lyon Mackenzie King, it became " a special type of " Crown corporation, fully owned by the government; thus, in effect, by the Canadian taxpayers; with the governor appointed by Cabinet. The responsibility for creating small bills was transferred from the finance department and the private banks were ordered to remove their currency from circulation by 1949.[
Dave Fones

Japanese Real Estate Bubble Recoverry? - 0 views

  • look at economic trends
  • it is becoming more apparent that we may be entering a time when low wage jobs dominate and home prices remain sluggish for a decade moving forward.
  • looking at the Federal Reserve’s quantitative easing program, growth of lower paying jobs, baby boomers retiring, and the massive amount of excess housing inventory we start to see why Japan’s post-bubble real estate market is very likely to occur in the United States.
  • ...9 more annotations...
  • both economies had extraordinarily large real estate bubbles.
  • Massive real estate bubble (check) -Central bank bailing out banks (check) -Bailed out banks keep bad real estate loans on their books at inflated values (check) -Government taking on higher and higher levels of debt relative to GDP (check) -Employment situation stabilizes with less secure labor force (check) -Home prices remain stagnant (check)
  • the United States had never witnessed a year over year drop in nationwide home prices since the Great Depression.
  • home prices are now back to levels last seen 8 years ago.  The lost decade is now nipping at our heels but what about two lost decades like Japan?
  • the U.S. has such a large number of part-time workers and many of the new jobs being added are coming in lower paying sectors signifies that our economy is not supportive of the reasons that gave us solid home prices for many decades. 
  • young Japanese workers, some in their late 20s or early 30s, already resigned that they would never buy a home.
  • The notion that housing is always a great investment runs counter to what they saw in their lives.  Will they even want to buy as many baby boomers put their larger homes on the market
  • many of our young households here are now coming out with massive amounts of student loan debt.
  • Lower incomes, more debt, and less job security.  What this translated to in Japan was stagnant home prices for 20 full years.  We are nearing our 10 year bear market anniversary in real estate so another 10 is not impossible.  What can change this?  Higher median household incomes across the nation but at a time when gas costs $4 a gallon, grocery prices are increasing, college tuition is in a bubble, and the financial system operates with no reform and exploits the bubble of the day, it is hard to see why Americans would be pushing home prices higher.
  •  
    Explains how Japan has responded to the breaking of their real estate market bubble and the effect it has had on Japan's economy
Jim Aird

US Department of Education Endorses "Pay for Success" Bonds for Pre-K Special Education... - 25 views

  •  
    Paying banks to lower SPED costs?  Sure, I can see how that makes sense.  Paying the schools to serve the students sure has been a silly solution for all these years, and so simple Thank goodness that the DOE and the banks have made this clearer.
Kate Pok

OWS's Beef: Wall Street Isn't Winning It's Cheating | Matt Taibbi | Rolling Stone - 0 views

  • Just recently, the French and Belgian authorities cooked up a massive bailout of the French bank Dexia, whose biggest trading partners included, surprise, surprise, Goldman, Sachs and Morgan Stanley. Here's how the New York Times explained the bailout: To limit damage from Dexia’s collapse, the bailout fashioned by the French and Belgian governments may make these banks and other creditors whole — that is, paid in full for potentially tens of billions of euros they are owed. This would enable Dexia’s creditors and trading partners to avoid losses they might otherwise suffer... When was the last time the government stepped into help you "avoid losses you might otherwise suffer?" But that's the reality we live in. When Joe Homeowner bought too much house, essentially betting that home prices would go up, and losing his bet when they dropped, he was an irresponsible putz who shouldn’t whine about being put on the street. But when banks bet billions on a firm like AIG that was heavily invested in mortgages, they were making the same bet that Joe Homeowner made, leaving themselves hugely exposed to a sudden drop in home prices. But instead of being asked to "suck it in and cope" when that bet failed, the banks instead went straight to Washington for a bailout -- and got it.
April Grybosky

Water - Water Supply & Sanitation - 0 views

  •  
    Print World Bank "Key Publication" Now explain how the World Bank makes money.
Martin Burrett

MuseScore - 47 views

  •  
    Find and share music scores online. Search a huge bank of sheet music uploaded from the community. Found via https://twitter.com/eslweb http://ictmagic.wikispaces.com/Music%2C+Sound+%26+Podcasts
Thieme Hennis

About « OERRH - 19 views

  •  
    "The Open Educational Resources Research Hub (OER Research Hub) provides a focus for research, designed to give answers to the overall question 'What is the impact of OER on learning and teaching practices?' and identify the particular influence of openness. We do this by working in collaboration with projects across four education sectors (K12, college, higher education and informal) extending a network of research with shared methods and shared results. By the end of this research we will have evidence for what works and when, but also established methods and instruments for broader engagement in researching the impact of openness on learning. OER are not just another educational innovation. They influence policy and change practices. In previous research (OpenLearn, Bridge to Success and OLnet) we have seen changes in institutions, teacher practice and in the effectiveness of learning. We integrate research alongside action to discover and support changes in broader initiatives. Our framework provides the means to gather data and the tools to tackle barriers. The project combines: A targeted collaboration program with existing OER projects An internationalfellowship program Networking to make connections A hub for research data and OER excellence in practice The collaborations cover different sectors and issues, these include: the opening up of classroom based teaching to open content; the large-scale decision points implied by open textbooks for community colleges; the extension of technology beyond textbook through eBook and simulation; the challenge of teacher training in India; and the ways that OER can support less formal approaches to learning. By basing good practice on practical experience and research we can help tackle practical problems whilst building the evidence bank needed by all."
Martin Burrett

All the way to the bank - 71 views

  •  
    This is a virtual maths board game where you have to keep track on how much money you have to deposit at the end of the month. http://ictmagic.wikispaces.com/Maths
Martin Burrett

Batalugu - 101 views

  •  
    A fabulous site for creating and finding online children's books. Design your 'bestseller' by uploading images and using the bank of media to drag and drop your story to perfection. Then share with a link. http://ictmagic.wikispaces.com/English
Jeff Andersen

CBS head predicts TV, digital will battle for NFL rights | Marketing Dive - 5 views

  •  
    Les Moonves, chairman, president and CEO of CBS Corp., told an audience at the Deutsche Bank 2017 Media & Telecom Conference that TV networks will face off against digital properties like Facebook and Google in the next bidding battle for the rights to the NFL, according to Ad Age. The NFL's current deals are in place through 2022.
Martin Burrett

UJAM - 134 views

  •  
    This is an amazing site for creating your own music and vocal tracks. It has a huge, high quality bank of sounds and instruments. There are template compositions for beginners and everything is editable so advance users can be in control of their creativity. A free signup is required. http://ictmagic.wikispaces.com/Music%2C+Sound+%26+Podcasts
Martin Burrett

School Report Writing Software for Teachers - FREE & ONLINE - 77 views

  •  
    This site allows you to save sentences and lists of activities and projects to easily customise your school reports. Build your own comment back to avoid careless errors and save it until next year. Easily change between he/she him/her and more by using hashtags. It not a comment bank, it's just a smarter way to use your own words in an organised way. http://ictmagic.wikispaces.com/Planning+%26+Assessment
Martin Burrett

Pablo - 47 views

  •  
    A superb, quick tool to create visual tweets and Facebook posts. Just enter the text, then choose from the bank of images or upload your own.
Clint Hamada

Why are there so many poor evaluations of ICT use in education? | A World Bank Blog on ... - 1 views

  •  
    From 2009
Martin Burrett

Morphases - 1 views

  •  
    Make photo realistic faces with this fabulous online tool. Choose features from a large bank of faces and use you webcam for more fun. http://ictmagic.wikispaces.com/ICT+&+Web+Tools
Martin Burrett

DinoPass - Simple password generator for kids - 46 views

  •  
    A superb site which I have been using to generate child friendly passwords for children at my school. It uses a huge word bank and you can choose from two difficulty levels. http://ictmagic.wikispaces.com/ICT+%26+Web+Tools
1 - 20 of 73 Next › Last »
Showing 20 items per page