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Banking and Financial Institutions

If only God would give me some clear sign! Like making a large deposit in my name at a Swiss bank. — Woody Allen
  • Money
  • Seigniorage - The Profit of Creating Money
  • Inflation and the Money Supply
  • Consumer Price Index (CPI)
  • Financial System
  • Financial Instruments
  • Financial Markets
  • Financial Institutions
  • Payment Systems
  • Information Asymmetry: Adverse Selection and Moral Hazard
  • Financial Intermediation
  • Depository Institutions (aka Banks)
  • Types of Depository Institutions: Savings Institutions, Commercial Banks, Bank and Financial Holding Companies
  • Nondepository Institutions: Insurance Companies, Pension Funds, Securities Firms, Government-Sponsored Enterprises, and Finance Companies
  • Bank Balance Sheet: Assets, Liabilities, and Bank Capital
  • Bank Profitability
  • Bank Risks
  • Government Deposit Insurance
  • Bank Regulations and Supervision
  • Bank Regulatory Capital

Central Banking

  • Central Banks
  • Central Bank Design
  • Central Bank Transactions
  • Money Supply and the Central Bank's Balance Sheet
  • Money Supply and the Money Multiplier
  • Monetary Policy
  • Federal Reserve Monetary Policy Tools: Open Market Operations and Discount Lending
  • European Central Bank Monetary Policy
  • Quantitative Easing
  • Monetary Policy Rules, Interest Rates, and Taylor's Rule
  • Money Growth, Money Velocity, and Inflation
  • Money Demand and Money Velocity
  • Inflation and Employment
  • Aggregate Expenditure, Economic Output, Inflation, and Monetary Policy Reactions

Foreign Exchange

  • Economics of Foreign Exchange Rates
  • Fixed Exchange Rates
  • Unsterilized and Sterilized Foreign Exchange Interventions
  • Hard Currency Pegs: Currency Boards and Dollarization
  • Speculative Currency Attacks

Banking History

A banker is a fellow who lends you his umbrella when the sun is shining, but wants it back the minute it begins to rain. — Mark Twain
  • Money in Colonial America
  • The First and Second Banks of the United States
  • Free Banking and the National Banking Act of 1863
  • Financial Panics and Bank Runs Before Deposit Insurance

Special Topics

  • London Interbank Offered Rate (LIBOR)
  • LIBOR-OIS Spread
  • TED Spread
  • Net Capital Requirement (aka Net Capital Rule, Net Capital Ratio)
  • Commercial Paper Funding Facility (CPFF)
  • Office of Thrift Supervision (OTS)
  • Securities Lending — Where Banks Win, But Can't Lose

Personal Finance

  • Bankruptcy
    • Chapter 7
    • Chapter 13
    • Chapter 11
  • Credit and Debt
    • Debt Collection
  • Insurance
    • Types of Insurance
      • Auto
      • Homeowner
      • Health
      • Life
  • Real Estate
  • Taxes
    • Income Taxes
    • Personal Deductions and Tax Credits
    • Retirement Plans
    • Gratuitous Transfer Taxes
    • Educational Tax Benefits
    • Taxation of Investments
    • Business Taxes
  • Wills, Estates, and Trusts
    • Wills and Estates
    • Trusts

Investments

  • Investment Fundamentals
  • Investment Funds
  • Banking
  • Bonds
    • Types Of Bonds
      • Government Securities
      • Money Market Instruments
      • Corporate Bonds
      • Asset Backed Securities
  • Forex
  • Futures
  • Options
  • Stocks
    • Stock Indexes
    • Stock Valuation and Financial Ratios
  • Technical Analysis
  • Economics

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Cover of How to Invest in Bonds for Maximum Profit

How to Invest in Bonds for Maximum Profit shows how you can invest in bonds to maximize your profits, especially when interest rates are high, as they are now.

Imagine if you could pick only stocks that would rise the most. Well, as far as I know, there is no sure way to do that with stocks, but there is a way to do that with bonds. This book will show you how, and it will show real examples of how this works and how much you can potentially profit, and how bonds, at times, can even be better than stocks. This book will also show the best way to combine investments in bonds with investments in stocks.

Cover of The Pauper's Money Book

The Pauper's Money Book shows how you can manage your money to greatly increase your standard of living.

  • Save, invest, and earn more money.
  • Get out of debt.
  • Increase your credit score.
  • Learn to negotiate successfully.
  • Manage time effectively.
  • Invest for maximum results with a minimum of risk.
  • Minimize taxes.
  • Earn tax-free income.
  • Earn more from a career or from running a business.
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  • All articles on this site were written by William C. Spaulding
  • Copyright © 1982 - 2025 by William C. Spaulding
  • Author Website: WilliamSpaulding.com
  • Books by William Spaulding:
    • How to Invest in Bonds for Maximum Profit
      • Imagine if you could pick only stocks that would rise the most. Well, as far as I know, there is no sure way to do that with stocks, but there is a way to do that with bonds. This book will show you how, and it will show real examples of how this works and how much you can potentially profit, and how bonds, at times, can even be better than stocks. This book will also show the best way to combine investments in bonds with investments in stocks.
    • The Pauper's Money Book
      • Manage money better to improve your life by saving more, investing more, and earning more.
    • Trickle-Up Economics
      • Describes the best tax policy for any country to maximize happiness and economic wealth, based on simple economic principles.
    • Economics: An Illustrated Introduction to Microeconomics, Macroeconomics, International Economics, and Behavioral Economics
      • An introductory textbook on Economics, lavishly illustrated with full-color illustrations and diagrams, and concisely written for fastest comprehension.