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Thrift Savings Plan: A Practical Guide to the TSP, is a valuable information source for all federal employees. Regardless of what agency you may work for chances are you received little or no explanation of the in's and out's of the TSP when you first started working for Uncle SAM. This booklet covers many of the details that are relevant and important to all TSP participants. The booklet will take you from what happens when you sign up for the TSP through your retirement withdrawals. If you are like most federal employees you may be participating in the TSP but you may not be aware of how the TSP is set up or works. While this booklet does not go into how to invest in the TSP funds, it does provide an explanation of the funds available for plan participants in which funds can be invested. Along these lines, it also discusses a few ways to diversify your TSP holdings and maximize your potential returns at the same time with some real life examples. While the booklet does not get into investment tactics it, does provide an excellent overview and discussions of the way the TSP is set up and works in general. So if you are a federal employee what are you waiting for? Buy Thrift Savings Plan: A Practical Guide to the TSP now.
The key to understanding household saving is obtaining appropriate data. Dealing with differences between rich and poor households, for example, or the old and the young, require observation of a large number of households. The focus of this study is to obtain data on many households from a number of different countries and to examine them in a coherent fashion. The hope is that through these observations we can learn about the ways policies affect savings and that other differences among savers can be controlled for, instead of being blamed on "cultural differences
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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