A Quote by Chuka Umunna
Banks provide payment systems, core deposit and lending facilities that enable us to manage our day to day affairs.
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Payment systems are critically important for overall market stability. On a typical business day, U.S. payment and settlement systems settle transactions valued at over $13 trillion.
I fear that many of us rush about from day to day taking for granted the Holy Scriptures. We scramble to honor appointments with physicians, lawyers, and businessmen. Yet we think nothing of postponing interviews with Deity postponing scripture study. Little wonder we develop anemic souls and lose our direction in living. How much better it would be if we planned and held sacred fifteen or twenty minutes a day for reading the scriptures. Such interviews with Deity would help us recognize his voice and enable us to receive guidance in all of our affairs.
Capital market liberalization includes freeing up deposit and lending rates, opening up the market to foreign banks, and removing restrictions on capital account transactions and bank lending. The focus is on deregulation, not on finding the right regulatory structure.
As you know, in the latter part of 2008 and early 2009, the Federal Reserve took extraordinary steps to provide liquidity and support credit market functioning, including the establishment of a number of emergency lending facilities and the creation or extension of currency swap agreements with 14 central banks around the world.
Our servicemembers are focused every day on serving our country. It's our job to ensure that they have everything they need to do their jobs to the best of their ability. That must include effective consumer protections against predatory lending, already afforded under the Military Lending Act, for our men and women in uniform and their families.
When the United States cannibalize dollars from the defensive business of the NSA, securing our communications, protecting our systems, patching zero-day vulnerabilities, and instead we're giving those dollars to be used for creating new vulnerabilities in our systems so that they can surveil us and other people abroad who use the same systems.
Separating out banks and investment banks right now under Glass-Steagall would have very big implications to the liquidity and the capital markets and banks being able to perform necessary lending.
Unlike Bitcoin or email, our financial institutions and payment systems today are proprietary. This limits the ability for consumers to easily switch between payment providers and creates less competition for services.
To be able to achieve the laudable goals (of preventing and treating HIV/AIDS), especially for us in sub-Saharan Africa, there is the need for us to invest in improving our weak health systems. The inadequate number of healthcare facilities in many of our countries are major issues of concern.
Knowing more about numbers and being acquainted with them will not only enrich our lives but also contribute towards managing our day to day affairs much better.
Our little systems have their day; They have their day and cease to be… And thou, O Lord, art more than they.
I believe Indian banks have a strong funding profile with largely deposit-funded balance sheets, a large physical presence to cater to the needs of customers, and ability to provide comprehensive solutions to customers.
When God tells us to give extravagantly, we can trust Him to do the same in our lives. And this is really the core issue of it all. Do we trust Him? Do we trust Jesus when He tells us to give radically for the sake of the poor? Do we trust Him to provide for us when we begin using the resources He has given us to provide for others? Do we trust Him to know what is best for our lives, our families, and our financial futures?
If anything, the bailouts actually hindered lending, as banks became more like house pets that grow fat and lazy on two guaranteed meals a day than wild animals that have to go out into the jungle and hunt for opportunities in order to eat.
All of us are responsible to provide for ourselves and our families in both temporal and spiritual ways. To provide providently, we must practice the principles of provident living: joyfully living within our means, being content with what we have, avoiding excessive debt, and diligently saving and preparing for rainy-day emergencies. When we live providently, we can provide for ourselves and our families and also follow the Savior's example to serve and bless others.
You and I must work together to develop our country, to get education for our children, to have doctors, to build roads, to improve or provide all day-to-day essentials.
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