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Smart financial planning - such as budgeting, saving for emergencies, and preparing for retirement - can help households enjoy better lives while weathering financial shocks. Financial education can play a key role in getting to these outcomes.
Ben Bernanke -
In a slow-growing world that is short on aggregate demand, Germany's trade surplus is a problem.
Ben Bernanke
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Evolutionary psychologists suggest that humans experienced evolutionary benefits from brain developments that included aversion to loss and risk and from instincts for cooperation that helped strengthen communities.
Ben Bernanke -
Identity theft is a serious crime that affects millions of Americans each year.
Ben Bernanke -
As we try to make the financial system safer, we must inevitably confront the problem of moral hazard.
Ben Bernanke -
The Federal Reserve Act requires the Federal Reserve to report annually on its operations and to publish its balance sheet weekly.
Ben Bernanke -
The Depression was an incredibly dramatic episode - an era of stock-market crashes, breadlines, bank runs and wild currency speculation, with the storm clouds of war gathering ominously in the background... For my money, few periods are so replete with human interest.
Ben Bernanke -
Community banks are generally doing quite well, and I expect that good performance to continue. Neither bankers nor their supervisors should become complacent.
Ben Bernanke
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Under constrained discretion, the central bank is free to do its best to stabilize output and employment in the face of short-run disturbances, with the appropriate caution born of our imperfect knowledge of the economy and of the effects of policy (this is the 'discretion' part of constrained discretion).
Ben Bernanke -
Banks will have to win the confidence of their customers through fair dealing, making good loans, and remaining financially healthy.
Ben Bernanke -
If you want to understand geology, study earthquakes. If you want to understand the economy, study the Depression.
Ben Bernanke -
Some influential voices of the time argued that by accepting higher inflation, policy-makers could bring about a permanently lower rate of unemployment.
Ben Bernanke -
The children of the unemployed achieve less in school and appear to have reduced long-term earnings prospects.
Ben Bernanke -
The people who best use their advantages, or overcome adversity, and work honestly are those most worthy of admiration.
Ben Bernanke
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I personally would have preferred if the Fed had been a little less aggressive.
Ben Bernanke -
Evolving technologies that allow economists to gather new types of data and to manipulate millions of data points are just one factor among several that are likely to transform the field in coming years.
Ben Bernanke -
Developments in financial markets can have broad economic effects felt by many outside the markets.
Ben Bernanke -
At the most basic level, a central bank must be clear and open about its actions and operations, particularly when they involve the deployment of public funds.
Ben Bernanke -
To avoid large and unsustainable budget deficits, the nation will ultimately have to choose among higher taxes, modifications to entitlement programs such as Social Security and Medicare, less spending on everything else from education to defense, or some combination of the above.
Ben Bernanke -
I don't see much evidence of an equity bubble.
Ben Bernanke
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If you are asking me if I would advocate that the Chinese go to greater flexibility in their exchange rate, I certainly would.
Ben Bernanke -
While rising delinquencies and foreclosures will continue to weigh heavily on the housing market this year, it will not cripple the U.S.
Ben Bernanke -
Investment banks manage to go bankrupt through their investment-banking activities, commercial banks manage to go bankrupt through their commercial-banking activities.
Ben Bernanke -
If Wall Street crashes, does Main Street follow? Not necessarily.
Ben Bernanke