Why Canada Needs Postal Banking

Author : John Anderson
Publisher : FriesenPress
Page : 259 pages
File Size : 54,8 Mb
Release : 2024-06-03
Category : Business & Economics
ISBN : 9781039188433

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Why Canada Needs Postal Banking by John Anderson Pdf

In almost half the communities in small town and rural Canada that have a post office, there are no bank or credit union branches; Only about fifty-four bank and credit union branches exist in the over 615 First Nations communities in Canada; A growing number of urban areas in Canada have no accessible banks or credit unions Why Canada Needs Postal Banking offers a plethora of information about the banking industry that will shock ordinary Canadians. In explaining the banking system that many of us take for granted, the author reveals a deep, and largely unrecognized, gap between the services offered in densely populated, urban spaces and those available in small towns, rural and remote regions, and Indigenous communities. As a solution to this dearth in services, John Anderson proposes a logical alternative to big, private-sector banks: the post office. Basing his argument on historical fact, international experience, and the exorbitant cost of traditional banking services, the author builds a logical and compelling case for reestablishing banking services at Canada Post. Composed of a collection of research papers, interviews, and opinion pieces, Why Canada Needs Postal Banking provides convincing and well-organized data to support the reintroduction of postal service banking in Canada. Readers can absorb survey results that document citizen, municipality, and union support for this strategy. Tables and graphics provide easy access for those who want to assess the statistical facts and figures at a glance. Written in clear, succinct, and transparent language, Why Canada Needs Postal Banking engages the reader while delivering surprising information. In a landscape where challenges seem overwhelming much of the time, this book proposes a solution that, while not without its difficulties, is implementable. It delivers answers and alternatives that support business and individuals’ needs in different parts of the economy that have been, for too long and too often, overlooked.

Author : Chantal Amyot,John Willis,Canadian Museum of Civilization,Canadian Postal Museum
Publisher : Gatineau, Quebec : Canadian Postal Museum
Page : 216 pages
File Size : 51,9 Mb
Release : 2003
Category : History
ISBN : STANFORD:36105114376697

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Country Post by Chantal Amyot,John Willis,Canadian Museum of Civilization,Canadian Postal Museum Pdf

The rural post office in Canada was once a vibrant institution of sociability and communication. The mail brought books, magazines, newspapers, letters, sometimes money, and parcels. The small-town economy was aided by postal saving banks, the money order, and the mail-order catalog. Country Post recreates the postal world before the era of telephones and television through photographs and interviews with postmasters from all regions of Canada.

Author : Canada. Post Office Department
Publisher : Good Press
Page : 48 pages
File Size : 49,9 Mb
Release : 2019-12-19
Category : Fiction
ISBN : EAN:4064066161996

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Canadian Postal Guide by Canada. Post Office Department Pdf

Canadian Postal Guide by the Canada Post Office is a guidebook to provide the most useful shipping and mailing options for Canadians. Contents: " Page A Few Facts about the Post Office in Canada 9 Chief Officers of the Department at Quebec 15 Post Office Inspectors 15 Postal Divisions 16 RULES AND REGULATIONS: Officers 17 Post Office 17 Office Hours 18 Mails 18 Rates of Postage on Letters 19 Soldiers' and Seamen's Letters 20 Rates of Postage on Newspapers..."

Author : Mike Harris,Preston Manning
Publisher : The Fraser Institute
Page : 378 pages
File Size : 43,5 Mb
Release : 2007
Category : Canada
ISBN : 9780889752238

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Vision for a Canada Strong and Free by Mike Harris,Preston Manning Pdf

Author : Mehrsa Baradaran
Publisher : Harvard University Press
Page : 337 pages
File Size : 47,7 Mb
Release : 2015-10-06
Category : Business & Economics
ISBN : 9780674495449

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How the Other Half Banks by Mehrsa Baradaran Pdf

The United States has two separate banking systems today—one serving the well-to-do and another exploiting everyone else. How the Other Half Banks contributes to the growing conversation on American inequality by highlighting one of its prime causes: unequal credit. Mehrsa Baradaran examines how a significant portion of the population, deserted by banks, is forced to wander through a Wild West of payday lenders and check-cashing services to cover emergency expenses and pay for necessities—all thanks to deregulation that began in the 1970s and continues decades later. “Baradaran argues persuasively that the banking industry, fattened on public subsidies (including too-big-to-fail bailouts), owes low-income families a better deal...How the Other Half Banks is well researched and clearly written...The bankers who fully understand the system are heavily invested in it. Books like this are written for the rest of us.” —Nancy Folbre, New York Times Book Review “How the Other Half Banks tells an important story, one in which we have allowed the profit motives of banks to trump the public interest.” —Lisa J. Servon, American Prospect

Author : Edward Iacobucci
Publisher : Unknown
Page : 36 pages
File Size : 46,7 Mb
Release : 2007
Category : Electronic books
ISBN : IND:30000110370891

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Rerouting the Mail by Edward Iacobucci Pdf

For example, while the transmission and distribution systems of electricity and gas are true natural monopolies, competition is feasible in the generation of electricity and the production of gas and the retailing thereof. [...] The strategy is thus likely to enhance competition in hitherto protected and unprotected segments of the sector, to the benefit of users of mail services in both classes. [...] Failure to rethink the role and mandate of Canada Post, given the dramatic technological transformation that is occurring in the communications sector, would be - in the words of Geddes (2003) commenting on the US Postal Service - to acquiesce in "a slow-motion train wreck." Lessons From Other Countries We turn to postal reform in other countries, under the following themes: the ownership effect; [...] The Ownership Effect In the international arena, the approaches to ownership include: maintaining the status quo, where the post office is a government department or has no commercial objectives; corporatization, where the post office becomes a government-owned corporation with commercial objectives; and privatization, where the post office is sold and no longer controlled by government. [...] Further, it is designated a limited liability company, to ensure that government does not underwrite the Post's performance and that the board of directors places the interests of the business first, ahead of the government's interest.

Author : Ouarda Merrouche,Ms.Enrica Detragiache,Asli Demirgüç-Kunt
Publisher : International Monetary Fund
Page : 37 pages
File Size : 54,7 Mb
Release : 2010-12-01
Category : Business & Economics
ISBN : 9781455210930

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Bank Capital by Ouarda Merrouche,Ms.Enrica Detragiache,Asli Demirgüç-Kunt Pdf

Using a multi-country panel of banks, we study whether better capitalized banks experienced higher stock returns during the financial crisis. We differentiate among various types of capital ratios: the Basel risk-adjusted ratio; the leverage ratio; the Tier I and Tier II ratios; and the tangible equity ratio. We find several results: (i) before the crisis, differences in capital did not have much impact on stock returns; (ii) during the crisis, a stronger capital position was associated with better stock market performance, most markedly for larger banks; (iii) the relationship between stock returns and capital is stronger when capital is measured by the leverage ratio rather than the risk-adjusted capital ratio; (iv) higher quality forms of capital, such as Tier 1 capital and tangible common equity, were more relevant.

Author : Industry Canada,Competition Bureau Canada
Publisher : Competition Bureau Canada
Page : 44 pages
File Size : 45,6 Mb
Release : 2014-03-10
Category : Business & Economics
ISBN : 9781100232409

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The Little Black Book of Scams by Industry Canada,Competition Bureau Canada Pdf

The Canadian edition of The Little Black Book of Scams is a compact and easy to use reference guide filled with information Canadians can use to protect themselves against a variety of common scams. It debunks common myths about scams, provides contact information for reporting a scam to the correct authority, and offers a step-by-step guide for scam victims to reduce their losses and avoid becoming repeat victims. Consumers and businesses can consult The Little Black Book of Scams to avoid falling victim to social media and mobile phone scams, fake charities and lotteries, dating and romance scams, and many other schemes used to defraud Canadians of their money and personal information.

Author : International Monetary Fund. Monetary and Capital Markets Department
Publisher : International Monetary Fund
Page : 85 pages
File Size : 52,8 Mb
Release : 2019-06-24
Category : Business & Economics
ISBN : 9781498321112

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Canada by International Monetary Fund. Monetary and Capital Markets Department Pdf

This Financial System Stability Assessment paper discusses that Canada has enjoyed favorable macroeconomic outcomes over the past decades, and its vibrant financial system continues to grow robustly. However, macrofinancial vulnerabilities—notably, elevated household debt and housing market imbalances—remain substantial, posing financial stability concerns. Various parts of the financial system are directly exposed to the housing market and/or linked through housing finance. The financial system would be able to manage severe macrofinancial shocks. Major deposit-taking institutions would remain resilient, but mortgage insurers would need additional capital in a severe adverse scenario. Housing finance is broadly resilient, notwithstanding some weaknesses in the small non-prime mortgage lending segment. Although banks’ overall capital buffers are adequate, additional required capital for mortgage exposures, along with measures to increase risk-based differentiation in mortgage pricing, would be desirable. This would help ensure adequate through-the cycle buffers, improve mortgage risk-pricing, and limit procyclical effects induced by housing market corrections.

Author : Great Britain: H.M. Treasury
Publisher : The Stationery Office
Page : 66 pages
File Size : 52,6 Mb
Release : 2013-03-20
Category : Business & Economics
ISBN : 0101858825

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Review of the Monetary Policy Framework by Great Britain: H.M. Treasury Pdf

This paper reviews the performance of the UK's flexible inflation targeting framework against the internationally-accepted monetary policy objective of price stability, a pre-requisite to longer-term growth and macroeconomic stability. Chapters cover the historical and international context, monetary policy frameworks and monetary policy instruments. The paper gives the Monetary Policy Committee's revised remit at Budget 2013. The Government has retained a flexible inflation target framework. The inflation target of 2 per cent, as measured by the 12-month increase in the Consumer Prices Index, is re-affirmed. The remit has been updated to clarify the trade-offs that are involved in setting monetary policy to meet a forward-looking inflation target, and in forming and communicating its judgements the MPC should promote understanding of these trade-offs. The remit continues to require an exchange of open letters between the Governor of the Bank of England and the Chancellor of the Exchequer if inflation moves away from the target by more than 1 percentage point in either direction. The open letter from the Governor should now be sent alongside the minutes of the MPC meeting that followed the publication of the CPI data. The remit requests that the MPC provides in its August 2013 inflation report an assessment of the merits of using intermediate thresholds - policy commitments conditional on future economic developments. The remit also reflects the Government's intention that the frameworks for monetary policy and macro-prudential policy, operated by the MPC and FPC of the Bank of England respectively, should be coordinated.

Author : Richard Sidney Sayers
Publisher : CUP Archive
Page : 426 pages
File Size : 52,9 Mb
Release : 1976-09
Category : Business & Economics
ISBN : 0521210666

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The Bank of England 1891-1944: Appendixes by Richard Sidney Sayers Pdf

Author : Patrick Blagrave,Mr.Roberto Garcia-Saltos,Mr.Douglas Laxton,Fan Zhang
Publisher : International Monetary Fund
Page : 30 pages
File Size : 42,7 Mb
Release : 2015-04-07
Category : Business & Economics
ISBN : 9781475565133

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A Simple Multivariate Filter for Estimating Potential Output by Patrick Blagrave,Mr.Roberto Garcia-Saltos,Mr.Douglas Laxton,Fan Zhang Pdf

Estimates of potential output are an important ingredient of structured forecasting and policy analysis. Using information on consensus forecasts, this paper extends the multivariate filter developed by Benes and others (2010). Although the estimates in real time are more robust relative to those of naïve statistical filters, there is still significant uncertainty surrounding the estimates. The paper presents estimates for 16 countries and provides an example of how the filtered estimates at the end of the sample period can be improved with additional information.

Author : Lavan Mahadeva,Peter J N Sinclair
Publisher : Routledge
Page : 464 pages
File Size : 53,6 Mb
Release : 2004-08-02
Category : Business & Economics
ISBN : 9781134289844

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How Monetary Policy Works by Lavan Mahadeva,Peter J N Sinclair Pdf

For monetary policymakers worldwide, developing a practical understanding of how monetary policy transmits to the economy is a day-to-day challenge. The data such policymakers have is imperfect, the maps they use are continually redrawn. With such uncertainty, understanding this complicated issue is rarely straightforward. This book, a collaboration between some of the finest minds working on monetary theory in the world, helps to provide a foundation for understanding monetary policy in all its complex glory. Using models, case studies and new empirical evidence, the contributors to this book help readers on many levels develop their technical expertise. Students of macroeconomics, money and banking and international finance will find this to be a good addition to their reading lists. At the same time, policymakers and professionals within banking will learn valuable lessons from a thorough read of this book's pages.

Author : Marvin Warren
Publisher : Unknown
Page : 144 pages
File Size : 48,8 Mb
Release : 1896
Category : Bimetallism
ISBN : WISC:89097533053

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Money Chart by Marvin Warren Pdf

Author : Anonim
Publisher : Unknown
Page : 696 pages
File Size : 45,8 Mb
Release : 1989
Category : Working class
ISBN : CORNELL:31924062294859

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Labor Research Review by Anonim Pdf