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Morgan Stanley: Becoming a "One-Firm Firm"
by Thomas J. Delong M. Diane Burton Katherine LawrenceJohn Mack, the newly appointed president of Morgan Stanley, feels strongly that the firm needs to change in order to compete in a changing investment banking environment. Mack and his senior team undertake initiatives in order to transform the culture and working style of the firm from individualistic to team-oriented. The case provides detailed information about Morgan Stanley's existing culture and systems as well as the kinds of changes that it hopes to make. Morgan Stanley views the human resource management systems as a tool for attaining strategic objectives.
Morgan Stanley: Building Long-Term Sustainability
by Vikram Gandhi Lynn SchenkAt the end of 2017, Morgan Stanley's firm performance - the strongest since the financial crisis - is linked to the overall success of its corporate strategy set out in 2015. Following several years of development and integration of a sustainability strategy in sync with overall firm strategy, the case asks the question of what "version 2.0" of a sustainability strategy should look like for the firm. The question is posed by Audrey Choi (HBS MBA 2004), Chief Marketing Officer, Chief Sustainability Officer, and CEO of the Morgan Stanley Institution for Sustainable Development. Since joining the firm in 2007, Choi worked with senior management and key individuals in each of the firm's business segments to transition sustainability from being a niche initiative to being part of the broad firm-wide strategy, embedded across Morgan Stanley's core businesses. The case recounts the process of integrating sustainability into each of the firm's three business units and examines the challenges, the product development, and the outcomes of the integration strategy in order to pose the question of what should Morgan Stanley do to further embed and grow its sustainability strategy.
Morning Musings: Weekly Encouragement for the Educator’s Soul
by Stacey ReedWith school violence, insufficient resources, overcrowded classrooms, and inadequate pay, educators encounter a variety of challenges that can potentially pollute their souls. If allowed, such pollution can interfere with their efforts to teach, lead, and serve their students.When faced with intense challenges, educators will need power to encourage themselves and continue in the charge set before them. A Christian educator and professor, Stacey offers educators weekly encouragement to maintain a cleansed soul and teach with the purest of heart, intention, and divine guidance.Morning Musings offers educators:36 weekly musings--one for each week in a semester--that includes a Scriptural Reading, Weekly Teaching, Weekly Application, and Reflection.Relevant biblical strategies to re-invigorate their soul by cultivating a relationship with Jesus Christ.Relevant biblical strategies to fulfill their duties of teaching, serving, and leading with divine guidance.Relevant biblical strategies to transform their lives, so they can transform the lives of their students.As you read and meditate, let each musing encourage, strengthen, and renew your soul as you prepare to teach, lead, and serve.
Morningstar Guide to Mutual Funds: 5-Star Strategies for Success
by Christine BenzGUIDE TO MUTUAL FUNDS SECOND EDITION "Picking actively managed mutual funds is no mean challenge. And as the recent era underscores, past performance is of little help. The Morningstar Guide to Mutual Funds helps cut through the fog with a solid volume of constructive information. The central message--'truly diversify, keep it simple, focus on costs, and stick with it'--is not only timeless, it is priceless." --John C. Bogle, founder and former CEO, The Vanguard Group "Successful investors know they must do their own due diligence. Morningstar has done much of that homework in this guide. Leave it to Morningstar to get it right, offering smart ways to pick, build and monitor a portfolio. It's a commonsense guide that should grace every investor's shelf." --Ted David, CNBC Anchor "There's nothing Morningstar doesn't know about mutual funds. And at last, for ready reference, there's a book. You'll find everything here you need to know about managing fund investments, inside or outside a 401(k)." --Jane Bryant Quinn, Newsweek columnist and author of Making the Most of Your Money
Morningstar's 10 Small Companies to Invest in Now
by Paul LarsonA downloadable guide to investing in some of today's most-promising smaller companiesInvestors are always on the look-out for new opportunities. This special digital report from Morningstar's Paul Larson, equities strategist and Morningstar StockInvestor editor, reveals 10 lesser-known companies worth investigating.Everyone knows about Coca-Cola. But how many investors know how to seek out the next Coca Cola? With this timely report, Morningstar's Larson shares some of his favorite investing gems, and introduces you to some great companies you've probably never heard of.Includes an introduction that discusses how Larson selected these companiesContains individual company analysis written by the Morningstar analyst that covers that respective companyProvides relevant statistics to the investment decision--fair value price, P/E, and much moreSmaller companies can hold great promise. And Morningstar's guide provides the insight and research you need to invest wisely.
Morningstar's 30-Minute Money Solutions: A Step-by-Step Guide to Managing Your Finances
by Christine BenzThe quick and easy way to manage money and achieve financial goals The recent economic meltdown has left people in terrible financial shape with little idea of how to turn things around. <P><P>Using Morningstar's time-tested strategies and sensible approach to money management, Morningstar's 30-Minute Money Solutions: A Step-by-Step Guide to Managing Your Finances breaks down important financial tasks into do-able chunks, each of which can be accomplished in 30 minutes or less. The practical, no-nonsense book Lays out the tools to get organized, including how to create a filing and bill paying system Details how to find the best uses for one's money, as well as how to properly invest for savings, college, and retirement Other titles by Benz: Morningstar® Guide to Mutual Funds: Five Star Strategies for Success These are uncertain times. Morningstar's 30-Minute Money Solutions provides expert guidance on all aspects of personal money management, and it does so in quick, easily digestible steps.
Morningstar, Inc.
by Andre F. Perold Markus F. MullarkeyMorningstar, Inc., a publisher of information for mutual fund investors, is considering alternative strategies for broadening its subscriber base and increasing its revenues. Potential strategies include tailoring information for the defined contribution pension fund marketplace, and licensing Morningstar's performance ratings to fund complexes. This case provides a setting in which to discuss the U.S. mutual fund industry, with particular focus on mutual fund performance measurement and the information needs of consumers of mutual funds.
Moroccan Mirages: Agrarian Dreams and Deceptions, 1912-1986
by Will D. SwearingenThis is an account of the economic policy in Morocco, a French Colony.
Morocco - Culture Smart!
by Jillian YorkAbout this Book...Culture Smart! provides essential information on attitudes, beliefs and behavior in different countries, ensuring that you arrive at your destination aware of basic manners, common courtesies, and sensitive issues. These concise guides tell you what to expect, how to behave, and how to establish a rapport with your hosts. This inside knowledge will enable you to steer clear of embarrassing gaffes and mistakes, feel confident in unfamiliar situations, and develop trust, friendships, and successful business relationships.Culture Smart! offers illuminating insights into the culture and society of a particular country. It will help you to turn your visit-whether on business or for pleasure-into a memorable and enriching experience. Contents include* customs, values, and traditions* historical, religious, and political background* life at home* leisure, social, and cultural life* eating and drinking* do's, don'ts, and taboos* business practices* communication, spoken and unspoken"Culture Smart has come to the rescue of hapless travellers." Sunday Times Travel"... the perfect introduction to the weird, wonderful and downright odd quirks and customs of various countries." Global Travel"...full of fascinating-as well as common-sense-tips to help you avoid embarrassing faux pas." Observer"...as useful as they are entertaining." Easyjet Magazine"...offer glimpses into the psyche of a faraway world." New York Times
Morocco: Statistical Appendix
by International Monetary FundA report from the International Monetary Fund.
Morphisms for Quantitative Spatial Analysis (Advanced Studies In Theoretical And Applied Econometrics Ser. #51)
by Daniel A. Griffith Jean H. PaelinckThis book treats the notion of morphisms in spatial analysis, paralleling these concepts in spatial statistics (Part I) and spatial econometrics (Part II). The principal concept is morphism (e.g., isomorphisms, homomorphisms, and allomorphisms), which is defined as a structure preserving the functional linkage between mathematical properties or operations in spatial statistics and spatial econometrics, among other disciplines. The purpose of this book is to present selected conceptions in both domains that are structurally the same, even though their labelling and the notation for their elements may differ. As the approaches presented here are applied to empirical materials in geography and economics, the book will also be of interest to scholars of regional science, quantitative geography and the geospatial sciences. It is a follow-up to the book “Non-standard Spatial Statistics and Spatial Econometrics” by the same authors, which was published by Springer in 2011.
Mortgage Backed Securities and the Covid-19 Pandemic
by Luis M. Viceira Emil Nuwan Siriwardane Dean XuIn April 2020, global financial markets were still reeling as the Covid-19 pandemic spread rapidly across the world. Global equity markets had initially fallen by 30% in response to the pandemic, and high-yield credit markets had dropped by nearly 20%. In contrast, U.S. Treasury markets were up 20% year-to-date (YTD). Interestingly, the U.S. Mortgage Backed Security (MBS) market had been much less responsive to the health crisis, exhibiting very low volatility throughout this period and returning about 2% YTD. Maya Russell, head of asset allocation research at a large global institutional investor, must make a recommendation on whether her fund's board should invest in MBS, and if so, whether this is a good time for the fund to implement the allocation and whether it should do so pursuing an active or a passive investment approach. This case covers a wide range of topics in fixed-income investing, including duration and interest rate risk, prepayment risk, mortgage securitization, and the design of mortgage-backed securities. These concepts are analyzed from the perspectives of both individual and professional investors in fixed-income and mortgage markets.
Mortgage Confidential: What You Need To Know That Your Lender Won't Tell You
by David ReedAnyone who wants to get the best deal when financing a home needs to be armed with a little insider advice. The second edition of Mortgage Confidential lets readers in on what lenders really look for before they approve a loan, options they won’t often divulge, which costs they have control over, and little-known sources of down payment money. Including up-to-the-minute information on new licensing and disclosure rules and the latest eligibility requirements, the book shows readers how to: Complete the loan application to maximize their chances of approval • Steer clear of credit repair scams • Pay zero closing costs • Qualify for the lowest rates • Avoid origination charges • Determine whether paying “points” can save them money • Identify a “rip-off” loan program • Refinance—even if their equity has dropped • And more! Whether looking into securing a mortgage for the first time or seeking to refinance, Mortgage Confidential gives readers the confidence and information necessary to get through this complicated process and find the ideal loan for their needs.
Mortgage Magic with Alvin Hall: From First-time Buyers to Becoming Mortgage-free
by Alvin HallThe most popular question Alvin Hall is asked is 'where does my money go?'. In this quick and straightforward mini-guide, Alvin helps everyone get their finances in order by exploring the fundamentals of buying and investing.Alvin offers a practical understanding of how to make the right decisions about your property. Whether you are a first time buyer or already own a home, this mini-edition will identify the key choices in the process and guide you through them step by step. This is an easy-to-follow advice for a brighter, sounder financial future.
Mortgage Magic with Alvin Hall: From First-time Buyers to Becoming Mortgage-free
by Alvin HallThe most popular question Alvin Hall is asked is 'where does my money go?'. In this quick and straightforward mini-guide, Alvin helps everyone get their finances in order by exploring the fundamentals of buying and investing.Alvin offers a practical understanding of how to make the right decisions about your property. Whether you are a first time buyer or already own a home, this mini-edition will identify the key choices in the process and guide you through them step by step. This is an easy-to-follow advice for a brighter, sounder financial future.
Mortgage Management For Dummies
by Eric Tyson Robert S. GriswoldBorrowing through a mortgage is a huge decision and being debt free is the ultimate gift you can give to yourself, and your family. Managing Your Mortgage For Dummies helps you understand your options and how to secure the best and lowest cost mortgage for your situation. The book helps you polish your credit report and score, and choose the right borrowing option for your home as well as other real estate you might own. And whether you select a 15 or 30 year mortgage, Managing Your Mortgage For Dummies will help you understand your options for paying it off much faster and potentially saving tremendously. This new title will provide tips and action steps to take to pay-off your mortgage sooner than you planned.
Mortgage Market: Theory and Practice of Housing Finance (Routledge Library Editions: Banking & Finance #Vol. 3)
by Mark J BoleatBeginning with a theoretical analysis of housing finance in the context of housing markets and financial intermediation generally, the authors then analyse, drawing on international experience, each of the main types of housing finance system: informal, deposit taking, contract and mortgage bank. Various aspects of the market are covered using examples drawn from the UK and elsewhere, including the regulatory framework, contemporary developments and securitization and secondary markets. Critical public policy issues, such as housing and the real economy, and housing subsidies, are analysed in detail. Finally the authors examine the future for housing and the housing finance market.
Mortgage Rip-offs and Money Savers: An Industry Insider Explains How to Save Thousands on Your Mortgage or Re-Finance
by Carolyn Warren&“Identifie[s] all the major dangers amateur real estate investors need to be aware of . . . many useful tips for getting the right price and the best financing.&” —Michael Masterson, New York Times–bestselling author of Automatic Wealth Mortgage Rip-offs and Money Savers reveals how the mortgage industry cheats borrowers out of billions in extra costs every year. Industry insider Carolyn Warren taps her decade of experience with lenders to expose the tricks, lies, and dirty little secrets they don&’t want you to know. With her expert guidance, borrowers will save tens of thousands when they avoid the traps so many consumers fall into. Having this inside information is the only way borrowers can truly get the best possible deal. This book presents that knowledge in an interesting and easy format that anyone can understand. Readers can void being victims of the mortgage industry with this invaluable resource. Instead, they&’ll get the best possible rates, avoid bogus fees, and get the great deal they deserve.
Mortgage Stressbusters (Stressbusters Ser.)
by Alex BrooksDreaming of being debt free? Wondering what a tumultuous property market will mean for your financial future? Wanting to buy, sell or invest in property without being ripped off or paying a mortgage for the term of your natural life? If you answered 'yes' to any of these questions, then Mortgage Stressbusters is a must-read. This plain-English, Q&A guide to mortgages and residential property will help you to end mortgage stress once and for all. Not only will you learn how to save money -- and time -- on your mortgage, but you'll also learn the tricks, tips and tactics that will get you ahead in the property game. Inside you'll discover: how to get the best mortgage deal how to buy property successfully, no matter what the market is doing how to pay off your mortgage -- fast what to do if you can't pay your mortgage. Whether you're stuck in the mortgage mire or just trying to stay ahead, Mortgage Stressbusters is the book for you!
Mortgage-Backed Securities
by Frank J. Fabozzi Bhattacharya Anand K. Berliner William S.An in-depth look at the latest innovations in mortgage-backed securities The largest sector of the fixed-income market is the mortgage market. Understanding this market is critical for portfolio managers, as well as issuers who must be familiar with how these securities are structured. Mortgage-Backed Securities is a timely guide to the investment characteristics, creation, and analysis of residential real estate-backed securities. Each chapter contains cutting-edge information for investors, traders, and other professionals involved in this market, including discussions of structuring mortgage products-such as agency CMOs and new types of mortgages-and an in-depth explanation of the concept of option-adjusted spreads and other analytical concepts used to assess relative value.
Mortgage-Backed Securities: Products, Structuring, and Analytical Techniques (Frank J. Fabozzi Series #200)
by Frank J. Fabozzi William S. Berliner Anand K. BhattacharyaAn up-to-date look at the latest innovations in mortgage-backed securities Since the last edition of Mortgage-Backed Securities was published over three years ago, much has changed in the structured credit market. Frank Fabozzi, Anand Bhattacharya, and William Berliner all have many years of experience working in the fixed-income securitization markets, and have witnessed many cycles of change in the mortgage and MBS sectors. And now, with the Second Edition of Mortgage-Backed Securities, they share their knowledge on many of the products and structuring innovations that have taken place since the financial crisis and fiscal reform. Written in a straightforward and accessible style, and containing numerous illustrations, this timely guide skillfully addresses the investment characteristics, creation, and analysis of mortgage-backed securities. Each chapter contains cutting-edge concepts that you'll need to understand in order to thrive within this arena. Discusses the dynamic interaction between the mortgage industry, home prices, and credit performance Addresses revised valuation techniques in which all non-agency MBS must be treated as credit pieces Examines the shift in this marketplace since the crisis and the impact on industry and investors Filled with in-depth insights and expert advice, Mortgage-Backed Securities, Second Edition offers you a realistic assessment of this field and outlines the products, structures, and analytical techniques you need to know about in this evolving arena.
Mortgage-Backs at Ticonderoga
by George Chacko Peter Hecht Vincent Dessain Anders SjomanTiconderoga is a small hedge fund that trades in mortgage-backed securities--securities created from pooled mortgage loans. They often appear as straightforward so-called "pass-throughs," but can also be pooled again to create collateral for a mortgage security known as a collateralized mortgage obligation (CMO). CMOs allow cash flows from the underlying pass-throughs to be directed, allowing the creation of different classes of securities--tranches--with different maturities, coupons, and risk profiles. In April 2005, the general managers of Ticonderoga are looking at the market data, trying to construct a trade given their view on the prepayment speed of mortgages vs. the implied prepayment speed they derive from CMOs in the market.
Mortgage-Free!: Radical Strategies for Home Ownership
by Rob RoyExplains clearly how if you have a mortgage already you can maximize your equity sooner and save tons of money.
Mortgages 101: Quick Answers to Over 250 Critical Questions About Your Home Loan
by David ReedQuestions about the mortgage process seem so complex and intimidating, yet they must be worked through achieve the American Dream of home ownership. Thankfully, this guide eliminates the confusion and stress with clear-cut answers to all your questions.How much house can you afford (or not afford)? Is every mortgage loan the same, or are there specifics to look for that meet your individual needs? How can you increase your chances of getting those almost unbelievable rates you see banks advertising? Is there any end to the paperwork? Because unless you're sitting on a pile of cash, chances are you'll need to take out a mortgage when you&’re ready to buy your next home.In Mortgages 101, you will find the latest information on:Application proceduresOnline lendersNew loan and government programsQualifying requirementsZero-down optionsGuidelines for self-employed borrowersIn this one-stop reference, find everything you need to know from a wide range of mortgage topics. From negotiating the best deal to saving on closing costs, Mortgages 101 supplies the answers and assistance for everything you need until the day you walk through your new front door!