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Ally Bank Savings Rate History: A Comprehensive Analysis
Author: Dr. Evelyn Reed, PhD in Financial Economics, 15+ years of experience analyzing banking trends and interest rate dynamics. Dr. Reed is a contributing author to several leading financial publications and has presented her research at numerous academic conferences.
Publisher: Financial Insights Publishing, a leading publisher of financial analysis and investment guides. They specialize in providing in-depth, data-driven reports for both individual investors and financial professionals.
Editor: Mr. David Chen, CFA, a Chartered Financial Analyst with over 20 years of experience in the financial industry, specializing in investment strategies and banking regulations.
Keywords: Ally Bank savings rate history, Ally Bank interest rates, savings account rates, high-yield savings account history, online banking rates, Ally Bank historical data, interest rate trends, Ally Bank savings account review, banking rate analysis, financial analysis, interest rate fluctuations.
Summary: This article provides a thorough examination of Ally Bank's savings rate history, employing various methodologies to analyze the data and understand the factors influencing rate changes. We will explore historical trends, compare Ally's rates to competitors, discuss the methodologies used to track and interpret rate changes, and offer insights into forecasting future rate movements. This analysis will benefit both current Ally customers and potential customers seeking to understand the bank's historical performance and make informed decisions about their savings strategies.
1. Understanding the Ally Bank Savings Rate History: A Timeline
Ally Bank, formerly known as GMAC Bank, has a history rooted in the automotive finance industry. Its transition to a full-fledged online bank has significantly impacted its savings account offerings and interest rate policies. Tracking the Ally bank savings rate history requires a multi-faceted approach, considering the following:
Early Years (Pre-2009): As GMAC Bank, the focus was primarily on auto loans. Savings products were less prominent, and rate data is harder to comprehensively gather for this period. Accessing historical data from this era requires archival research and may be incomplete.
Post-2009 (Ally Bank): Following the rebranding as Ally Bank, the focus shifted to offering a broader range of online banking products, including competitive high-yield savings accounts. This period provides more readily accessible data for analyzing Ally bank savings rate history. Online resources, bank statements, and financial news archives can be utilized.
Rate Changes and Frequency: Analyzing the frequency and magnitude of rate changes is crucial. Did Ally Bank adjust rates frequently in response to Federal Reserve decisions, or was the approach more conservative? Understanding this pattern is key to understanding the bank's rate-setting strategy.
External Factors: It's essential to account for macroeconomic factors influencing Ally bank savings rate history. These include Federal Reserve interest rate targets, inflation rates, economic growth, and overall market conditions. These external forces significantly influence the bank's ability and willingness to offer competitive interest rates.
2. Methodologies for Analyzing Ally Bank Savings Rate History
Several methodologies can be employed to analyze the Ally bank savings rate history effectively:
Data Collection: The first step involves systematically collecting historical rate data. This may involve examining historical bank statements, scouring online banking archives, using third-party financial data providers (such as those found in Bloomberg or Refinitiv terminals), and consulting reputable financial news websites for press releases announcing rate changes.
Time Series Analysis: Once collected, the data can be analyzed using time series techniques. This involves plotting the rate data against time to identify trends, seasonality, and cyclical patterns. Statistical methods like moving averages can smooth out short-term fluctuations and reveal long-term trends in Ally bank savings rate history.
Regression Analysis: To further understand the factors influencing Ally bank savings rate history, regression analysis can be applied. This involves building a statistical model that relates the savings rate to various independent variables, such as the Federal Funds Rate, inflation, and competitor rates. This helps quantify the impact of each variable on Ally's rate-setting decisions.
Comparative Analysis: Comparing Ally Bank's rates to those of its competitors is crucial. This helps assess its competitiveness within the high-yield savings account market. By comparing rate changes over time, one can determine whether Ally Bank was a leader, follower, or laggard in terms of adjusting its rates in response to market conditions.
3. Factors Influencing Ally Bank Savings Rate History
Several factors influence the fluctuations observed in Ally bank savings rate history:
Federal Reserve Policy: The Federal Reserve's target federal funds rate significantly impacts interest rates across the banking industry, including Ally Bank. Increases in the federal funds rate generally lead to higher savings rates, while decreases result in lower rates.
Competition: Ally Bank's rate decisions are influenced by its competitors' offerings. If competitors offer higher rates, Ally Bank may need to adjust its rates to remain competitive and attract new customers.
Economic Conditions: Overall economic growth and inflation affect Ally Bank's ability and willingness to offer higher savings rates. During periods of strong economic growth and low inflation, Ally might be more inclined to offer higher rates to attract deposits.
Operational Costs: Ally Bank's operational costs (including technology, staffing, and regulatory compliance) influence its profitability and ability to offer competitive interest rates on savings accounts.
4. Forecasting Future Ally Bank Savings Rates
While predicting future interest rates is inherently uncertain, understanding Ally bank savings rate history and the factors influencing it provides a basis for informed speculation. Analyzing past trends and employing forecasting techniques, such as ARIMA models or econometric models, can offer potential scenarios for future rate movements. However, it's crucial to acknowledge the limitations of any forecast and the significant role of unforeseen events.
Conclusion
Analyzing the Ally bank savings rate history provides valuable insights into the bank's rate-setting strategies and the factors that influence its decisions. By employing various methodologies and considering relevant macroeconomic factors, we can better understand past trends and potentially gain insights into future rate movements. While forecasting remains inherently challenging, this analysis empowers customers to make more informed decisions about their savings strategies.
FAQs:
1. How often does Ally Bank change its savings rates? Ally Bank adjusts its savings rates periodically, typically in response to changes in the Federal Funds Rate and competitive market conditions. The frequency varies but isn't strictly scheduled.
2. Where can I find historical Ally Bank savings rate data? Historical data can be partially found on Ally Bank's website, but complete historical data may require additional research using financial news archives and potentially third-party data providers.
3. How does Ally Bank's savings rate compare to its competitors? Ally Bank typically aims for competitive rates within the high-yield savings account market. A direct comparison to specific competitors requires checking current rates and historical data from multiple sources.
4. Does Ally Bank offer promotional periods with higher savings rates? Ally Bank has occasionally offered promotional periods with temporarily higher rates, usually for new customers or those meeting specific criteria. Check their website for current promotions.
5. Are there any fees associated with Ally Bank's savings accounts? Generally, Ally Bank's savings accounts are free from monthly maintenance fees or other hidden charges. However, always review the terms and conditions.
6. How is the interest on my Ally Bank savings account calculated? Interest is generally calculated daily on the average daily balance and credited monthly. The specific calculation method can be found in the account agreement.
7. Is my money safe in an Ally Bank savings account? Ally Bank is a member of the FDIC, insuring deposits up to $250,000 per depositor, per insured bank, for each account ownership category.
8. How can I access my Ally Bank savings account history? You can access your account history online through Ally Bank's website or mobile app.
9. Can I easily transfer money in and out of my Ally Bank savings account? Yes, Ally Bank offers various convenient options for transferring money, including online transfers, mobile transfers, and wire transfers.
Related Articles:
1. Ally Bank Savings Rate Comparison to Top Competitors: A detailed comparison of Ally Bank's savings rates to other major online banks and traditional institutions.
2. The Impact of the Federal Reserve on Ally Bank Savings Rates: An analysis of how Federal Reserve policies directly influence Ally's rate-setting decisions.
3. Ally Bank Savings Rate Trends Over the Past Decade: A graphical representation and analysis of the long-term trends in Ally Bank's savings rates.
4. Forecasting Ally Bank Savings Rates Using Time Series Analysis: A technical analysis applying time-series models to predict future rate movements.
5. The Role of Competition in Shaping Ally Bank's Savings Rate Strategy: An examination of the competitive dynamics that influence Ally Bank's rate offerings.
6. A Comprehensive Review of Ally Bank's High-Yield Savings Account: A detailed review of Ally Bank's savings account features, benefits, and drawbacks.
7. Ally Bank vs. Other Online Banks: A Savings Rate Comparison: A comparison of Ally Bank's savings account offerings with those of its main online competitors.
8. Understanding the Factors Affecting High-Yield Savings Account Rates: A broader look at the economic and regulatory factors that affect all high-yield savings account rates.
9. How to Choose the Best High-Yield Savings Account for Your Needs: A guide to selecting a high-yield savings account that best meets individual financial goals.
| ally bank savings rate history: Model Rules of Professional Conduct American Bar Association. House of Delegates, Center for Professional Responsibility (American Bar Association), 2007 The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts. |
| ally bank savings rate history: FDIC Quarterly , 2009 |
| ally bank savings rate history: The Barefoot Investor Scott Pape, 2019-06-12 ** Reviewed and updated for the 2020-2021 financial year** This is the only money guide you'll ever need That's a bold claim, given there are already thousands of finance books on the shelves. So what makes this one different? Well, you won't be overwhelmed with a bunch of 'tips' ... or a strict budget (that you won't follow). You'll get a step-by-step formula: open this account, then do this; call this person, and say this; invest money here, and not there. All with a glass of wine in your hand. This book will show you how to create an entire financial plan that is so simple you can sketch it on the back of a serviette ... and you'll be able to manage your money in 10 minutes a week. You'll also get the skinny on: Saving up a six-figure house deposit in 20 months Doubling your income using the 'Trapeze Strategy' Saving $78,173 on your mortgage and wiping out 7 years of payments Finding a financial advisor who won't rip you off Handing your kids (or grandkids) a $140,000 cheque on their 21st birthday Why you don't need $1 million to retire ... with the 'Donald Bradman Retirement Strategy' Sound too good to be true? It's not. This book is full of stories from everyday Aussies — single people, young families, empty nesters, retirees — who have applied the simple steps in this book and achieved amazing, life-changing results. And you're next. |
| ally bank savings rate history: The Inter-ally Debts Harvey Edward Fisk, Bankers Trust Company (New York, N.Y.), 1924 |
| ally bank savings rate history: A History of Interest Rates Sidney Homer, 1977 A History of Interest Rates, Fourth Edition presents a readable account of interest rate trends and lending practices spanning over four millennia of economic history. Filled with in-depth insights and illustrative charts and tables, this unique resource provides a broad perspective on interest rate movements - from which financial professionals can evaluate contemporary interest rate and monetary developments - and applies analytical tools, such as yield-curve averaging and decennial averaging, to the data available. A History of Interest Rates, Fourth Edition offers a highly detailed analysis of money markets and borrowing practices in major economies. It places the rates and corresponding credit forms in context by summarizing the political and economic events and financial customs of particular times and places. To help you stay as current as possible, this revised and updated Fourth Edition contains a new chapter of contemporary material as well as added discussions of interest rate developments over the past ten years.--BOOK JACKET. |
| ally bank savings rate history: The Financial Crisis Inquiry Report Financial Crisis Inquiry Commission, 2011-05-01 The Financial Crisis Inquiry Report, published by the U.S. Government and the Financial Crisis Inquiry Commission in early 2011, is the official government report on the United States financial collapse and the review of major financial institutions that bankrupted and failed, or would have without help from the government. The commission and the report were implemented after Congress passed an act in 2009 to review and prevent fraudulent activity. The report details, among other things, the periods before, during, and after the crisis, what led up to it, and analyses of subprime mortgage lending, credit expansion and banking policies, the collapse of companies like Fannie Mae and Freddie Mac, and the federal bailouts of Lehman and AIG. It also discusses the aftermath of the fallout and our current state. This report should be of interest to anyone concerned about the financial situation in the U.S. and around the world.THE FINANCIAL CRISIS INQUIRY COMMISSION is an independent, bi-partisan, government-appointed panel of 10 people that was created to examine the causes, domestic and global, of the current financial and economic crisis in the United States. It was established as part of the Fraud Enforcement and Recovery Act of 2009. The commission consisted of private citizens with expertise in economics and finance, banking, housing, market regulation, and consumer protection. They examined and reported on the collapse of major financial institutions that failed or would have failed if not for exceptional assistance from the government.News Dissector DANNY SCHECHTER is a journalist, blogger and filmmaker. He has been reporting on economic crises since the 1980's when he was with ABC News. His film In Debt We Trust warned of the economic meltdown in 2006. He has since written three books on the subject including Plunder: Investigating Our Economic Calamity (Cosimo Books, 2008), and The Crime Of Our Time: Why Wall Street Is Not Too Big to Jail (Disinfo Books, 2011), a companion to his latest film Plunder The Crime Of Our Time. He can be reached online at www.newsdissector.com. |
| ally bank savings rate history: Savings Fitness Barry Leonard, 2007-12 Many people mistakenly believe that Social Security (SS) will pay for all or most of their retire. needs, but the fact is, since its inception, SS has provided little protection. A comfortable retire. usually requires SS, pensions, personal savings & invest. The key tool for making a secure retire. a reality is financial planning. It will help clarify your retire. goals as well as other financial goals you want to ¿buy¿ along the way. It will show you how to manage your money so you can afford today¿s needs yet still fund tomorrow¿s. You¿ll learn how to save your money to make it work for you & how to protect it so it will be there when you need it. Explains how you can take the best advantage of retire. plans at work, & what to do if you¿re on your own. Illustrations. |
| ally bank savings rate history: Uninvested Bobby Monks, 2015-08-04 Bobby Monks is blowing the whistle on Wall Street, giving middle class Americans the low down on how they’re being fleeced of their retirement money—and what they can do about it Every month our financial statements arrive, and every month we glance at them, trying to understand, hoping that we’ll come out ahead. But most of us have no idea what’s really going on or the costs involved. According to Bobby Monks—who has been a banker and borrower, investor and entrepreneur—financial firms and money managers have complicated the investing process to keep us in the dark, profiting from our ignorance. Having dealt with the financial sector throughout his career, Monks has seen it all. In Uninvested, he reveals how, when, and why the relationship between us and our money managers became corrupted—and what we can do to fix it. Monks shows how the system works not only against us as individuals but also against society at large. Without our knowledge or approval, our money is diverted into the pockets of CEOs and misappropriated, promoting business practices that contribute to economic inequality, political dysfunction, and environmental woe. Monks’ experiences give him a unique perspective on how we got to this point. Drawing on original research and interviews with key figures such as Vanguard founder Jack Bogle, legendary investor Carl Icahn, and former congressman Barney Frank of the Dodd-Frank Act, Monks teaches us how to take back ownership and control of our money. As he writes: Even in the decades preceding the most recent downturn, very few investors enjoyed financial success equal to that of their money managers. Given this, I have long wondered why investors don’t pull their money out of the system en masse. I suspect that it is because most feel powerless. Unaware of the implications of their investments and unable to penetrate the excruciating complexity of the system that facilitates them, many seem to seek refuge in their money managers’ aura of sophistication, pretense of competence, and projection of certainty. It seems to me that most investors are simply sleepwalking through the investing process. They have become uninvested. When we outsource our investing, we sacrifice control—but not responsibility. My goal in writing this book is to convince you that the best (and only) way to fix this broken system is to awaken a critical mass of engaged investors and recruit them to participate more fully in the investing process. |
| ally bank savings rate history: A Brief History of Panics and Their Periodical Occurrence in the United States Clément Juglar, 1893 |
| ally bank savings rate history: The Federal Reserve System Purposes and Functions Board of Governors of the Federal Reserve System, 2002 Provides an in-depth overview of the Federal Reserve System, including information about monetary policy and the economy, the Federal Reserve in the international sphere, supervision and regulation, consumer and community affairs and services offered by Reserve Banks. Contains several appendixes, including a brief explanation of Federal Reserve regulations, a glossary of terms, and a list of additional publications. |
| ally bank savings rate history: Form 10-K. United States. Securities and Exchange Commission, 1949 |
| ally bank savings rate history: The Consumer Financial Protection Bureau's Semiannual Report to Congress United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs, 2015 |
| ally bank savings rate history: Microfinance Handbook Joanna Ledgerwood, 1998-12-01 The purpose of the 'Microfinance Handbook' is to bring together in a single source guiding principles and tools that will promote sustainable microfinance and create viable institutions. |
| ally bank savings rate history: Estate Planning 101 Vicki Cook, Amy Blacklock, 2021-08-03 Discover the ins and outs of planning your own or your loved one’s last wishes with this easy-to-understand guide to estate planning. No one likes to talk about death, but being prepared for any unexpected tragedy can help your loved ones navigate your loss more easily in the long run. From creating your advanced medical directives to designating your beneficiaries, estate planning can ensure that your wishes are carried out when you are no longer around. With Estate Planning 101, you can get your affairs in order before any unfortunate incident occurs. This easy-to-understand guide comes with detailed information on what needs to be done to protect your estate. With information on creating a living will, minimizing estate taxes, choosing an executor, and more, you will be prepared for the future, no matter what it brings. Estate Planning 101 offers you step-by-step instructions and checklists to keep you organized for whatever life throws your way. |
| ally bank savings rate history: History of the Eighties , 1997 |
| ally bank savings rate history: Managing the Crisis , 1998 Deals with the result of a study conducted by the FDIC on banking crisis of the 1980s and early 1990s. Examines the evolution of the processes used by FDIC and RTC to resolve banking problems, protect depositors and dispose of the assets of the failed institutions. |
| ally bank savings rate history: FDIC Statistics on Banking , 1993 A statistical profile of the United States banking industry. |
| ally bank savings rate history: Principles Ray Dalio, 2018-08-07 #1 New York Times Bestseller “Significant...The book is both instructive and surprisingly moving.” —The New York Times Ray Dalio, one of the world’s most successful investors and entrepreneurs, shares the unconventional principles that he’s developed, refined, and used over the past forty years to create unique results in both life and business—and which any person or organization can adopt to help achieve their goals. In 1975, Ray Dalio founded an investment firm, Bridgewater Associates, out of his two-bedroom apartment in New York City. Forty years later, Bridgewater has made more money for its clients than any other hedge fund in history and grown into the fifth most important private company in the United States, according to Fortune magazine. Dalio himself has been named to Time magazine’s list of the 100 most influential people in the world. Along the way, Dalio discovered a set of unique principles that have led to Bridgewater’s exceptionally effective culture, which he describes as “an idea meritocracy that strives to achieve meaningful work and meaningful relationships through radical transparency.” It is these principles, and not anything special about Dalio—who grew up an ordinary kid in a middle-class Long Island neighborhood—that he believes are the reason behind his success. In Principles, Dalio shares what he’s learned over the course of his remarkable career. He argues that life, management, economics, and investing can all be systemized into rules and understood like machines. The book’s hundreds of practical lessons, which are built around his cornerstones of “radical truth” and “radical transparency,” include Dalio laying out the most effective ways for individuals and organizations to make decisions, approach challenges, and build strong teams. He also describes the innovative tools the firm uses to bring an idea meritocracy to life, such as creating “baseball cards” for all employees that distill their strengths and weaknesses, and employing computerized decision-making systems to make believability-weighted decisions. While the book brims with novel ideas for organizations and institutions, Principles also offers a clear, straightforward approach to decision-making that Dalio believes anyone can apply, no matter what they’re seeking to achieve. Here, from a man who has been called both “the Steve Jobs of investing” and “the philosopher king of the financial universe” (CIO magazine), is a rare opportunity to gain proven advice unlike anything you’ll find in the conventional business press. |
| ally bank savings rate history: Open Secret Erin Arvedlund, 2014-09-25 “Gaming the LIBOR—that is, fixing the price of money—had become just that: a game. Playing it was the price of admission to a club of men who socialized together, skied in Europe courtesy of brokers and expense accounts, and reaped million-dollar bonuses.” In the midst of the financial crisis of 2008, rumors swirled that a sinister scandal was brewing deep in the heart of London. Some suspected that behind closed doors, a group of chummy young bankers had been cheating the system through interest rate machinations. But with most eyes focused on the crisis rippling through Wall Street and the rest of the world, the story remained an “open secret” among competitors. Soon enough, the scandal became public and dozens of bankers and their bosses were caught red-handed. Several major banks and hedge funds were manipulating and misreporting their daily submission of the London Interbank Offered Rate, better known as the LIBOR. As the main interest rate that pulses through the banking community, the LIBOR was supposed to represent the average rate banks charge each other for loans, effectively setting short-term interest rates around the world for trillions of dollars in financial contracts. But the LIBOR wasn’t an average; it was a combination of guesswork and outright lies told by scheming bankers who didn’t want to signal to the rest of the market that they were in trouble. The manipulation of the “world’s most important number” was even greater than many realized. The bankers kept things looking good for themselves and their pals while the financial crisis raged on. Now Erin Arvedlund, the bestselling author of Too Good to Be True, reveals how this global network created and perpetuated a multiyear scam against the financial system. She uncovers how the corrupt practice of altering the key interest rate occurred through an unregulated and informal honor system, in which young masters of the universe played fast and loose, while their more seasoned bosses looked the other way (and would later escape much of the blame). It was a classic private understanding among a small group of competitors—you scratch my back today, I’ll scratch yours tomorrow. Arvedlund takes us behind the scenes of elite firms like Barclays Capital, UBS, Rabobank, and Citigroup, and shows how they hurt ordinary investors—from students taking out loans to homeowners paying mortgages to cities like Philadelphia and Oakland. The cost to the victims: as much as $1 trillion. She also examines the laxity of prominent regulators and central bankers, and exposes the role of key figures such as: Tom Hayes: A senior trader for the Swiss financial giant UBS who worked with traders across eight other banks to influence the yen LIBOR. Bob Diamond: The shrewd multimillionaire American CEO of Barclays Capital, the British bank whose traders have been implicated in the manipulation of the LIBOR. Mervyn King: The governor of the Bank of England, who ignored U.S. Treasury secretary Tim Geithner’s repeated recommendations to establish stricter regulations over the interest rate. Arvedlund pulls back the curtain on one of the great financial scandals of our time, uncovering how millions of ordinary investors around the globe were swindled by the corruption and greed of a few men. |
| ally bank savings rate history: Handbook on the History of European Banks Manfred Pohl, 1994-01-01 Analyse: Banque cantonale vaudoise: p. 1072-1078. |
| ally bank savings rate history: Safe Money Beatriz Marulanda, Jacques Trigo Loubière, Síncrito Cifuentes, Robert Peck Christen, Glenn D. Westley, Jeffrey Poyo, Lee Arbuckle, Carlos Heller, Christopher Baker, Alejandro Vargas Durán, Dale W. Adams, Brian Branch, Helmut Pabst, Sherrill Shaffer, Michael O'Donnell, David C. Richardson, Carlos E. Cuevas, 2000-01-01 Policymakers in Latin America increasingly are turning to policies that have high economic rates of return and a favorable impact on income distribution. By providing financial services to small businesses and poor households -which normally lack such services- credit unions help secure growth with equity. The challenges faced by Latin America's credit unions today are likely to force them to further modernize and consolidate, fine tune their inherent advantages, improve mechanisms for prudential regulation, and find ways to increase their share of low and middle-income markets. Safe Money presents the new thinking on how credit unions can compete effectively in modern financial markets while still retaining their social mission. |
| ally bank savings rate history: Kiplinger's Personal Finance , 2009-08 The most trustworthy source of information available today on savings and investments, taxes, money management, home ownership and many other personal finance topics. |
| ally bank savings rate history: The English Banking System Hartley Withers, Robert Harry Inglis Palgrave, United States. National Monetary Commission, 1910 |
| ally bank savings rate history: Shock Waves Stephane Hallegatte, Mook Bangalore, Laura Bonzanigo, Marianne Fay, Tamaro Kane, Ulf Narloch, Julie Rozenberg, David Treguer, Adrien Vogt-Schilb, 2015-11-23 Ending poverty and stabilizing climate change will be two unprecedented global achievements and two major steps toward sustainable development. But the two objectives cannot be considered in isolation: they need to be jointly tackled through an integrated strategy. This report brings together those two objectives and explores how they can more easily be achieved if considered together. It examines the potential impact of climate change and climate policies on poverty reduction. It also provides guidance on how to create a “win-win†? situation so that climate change policies contribute to poverty reduction and poverty-reduction policies contribute to climate change mitigation and resilience building. The key finding of the report is that climate change represents a significant obstacle to the sustained eradication of poverty, but future impacts on poverty are determined by policy choices: rapid, inclusive, and climate-informed development can prevent most short-term impacts whereas immediate pro-poor, emissions-reduction policies can drastically limit long-term ones. |
| ally bank savings rate history: The Growth Report Commission on Growth and Development, 2008-07-23 The result of two years work by 19 experienced policymakers and two Nobel prize-winning economists, 'The Growth Report' is the most complete analysis to date of the ingredients which, if used in the right country-specific recipe, can deliver growth and help lift populations out of poverty. |
| ally bank savings rate history: Glosario Del Banco Mundial World Bank, 1996 This edition of the World Bank has been revised and expanded by the Terminology Unit in the Languages Services Division of the World Bank in collaboration with the English, Spanish, and French Translation Sections. The Glossary is intended to assist the Bank's translators and interpreters, other Bank staff using French and Spanish in their work, and free-lance translator's and interpreters employed by the Bank. For this reason, the Glossary contains not only financial and economic terminology and terms relating to the Bank's procedures and practices, but also terms that frequently occur in Bank documents, and others for which the Bank has a preferred equivalent. Although many of these terms, relating to such fields as agriculture, education, energy, housing, law, technology, and transportation, could be found in other sources, they have been assembled here for ease of reference. A list of acronyms occurring frequently in Bank texts (the terms to which they refer being found in the Glossary) and a list of international, regional, and national organizations will be found at the end of the Glossary. |
| ally bank savings rate history: History of Windham County, Connecticut: 1600-1760 Ellen Douglas Larned, 1874 |
| ally bank savings rate history: Global Trends 2040 National Intelligence Council, 2021-03 The ongoing COVID-19 pandemic marks the most significant, singular global disruption since World War II, with health, economic, political, and security implications that will ripple for years to come. -Global Trends 2040 (2021) Global Trends 2040-A More Contested World (2021), released by the US National Intelligence Council, is the latest report in its series of reports starting in 1997 about megatrends and the world's future. This report, strongly influenced by the COVID-19 pandemic, paints a bleak picture of the future and describes a contested, fragmented and turbulent world. It specifically discusses the four main trends that will shape tomorrow's world: - Demographics-by 2040, 1.4 billion people will be added mostly in Africa and South Asia. - Economics-increased government debt and concentrated economic power will escalate problems for the poor and middleclass. - Climate-a hotter world will increase water, food, and health insecurity. - Technology-the emergence of new technologies could both solve and cause problems for human life. Students of trends, policymakers, entrepreneurs, academics, journalists and anyone eager for a glimpse into the next decades, will find this report, with colored graphs, essential reading. |
| ally bank savings rate history: World Development Report 2019 World Bank, 2018-10-31 Work is constantly reshaped by technological progress. New ways of production are adopted, markets expand, and societies evolve. But some changes provoke more attention than others, in part due to the vast uncertainty involved in making predictions about the future. The 2019 World Development Report will study how the nature of work is changing as a result of advances in technology today. Technological progress disrupts existing systems. A new social contract is needed to smooth the transition and guard against rising inequality. Significant investments in human capital throughout a person’s lifecycle are vital to this effort. If workers are to stay competitive against machines they need to train or retool existing skills. A social protection system that includes a minimum basic level of protection for workers and citizens can complement new forms of employment. Improved private sector policies to encourage startup activity and competition can help countries compete in the digital age. Governments also need to ensure that firms pay their fair share of taxes, in part to fund this new social contract. The 2019 World Development Report presents an analysis of these issues based upon the available evidence. |
| ally bank savings rate history: A Patriot's History of the United States Larry Schweikart, Michael Patrick Allen, 2004-12-29 For the past three decades, many history professors have allowed their biases to distort the way America’s past is taught. These intellectuals have searched for instances of racism, sexism, and bigotry in our history while downplaying the greatness of America’s patriots and the achievements of “dead white men.” As a result, more emphasis is placed on Harriet Tubman than on George Washington; more about the internment of Japanese Americans during World War II than about D-Day or Iwo Jima; more on the dangers we faced from Joseph McCarthy than those we faced from Josef Stalin. A Patriot’s History of the United States corrects those doctrinaire biases. In this groundbreaking book, America’s discovery, founding, and development are reexamined with an appreciation for the elements of public virtue, personal liberty, and private property that make this nation uniquely successful. This book offers a long-overdue acknowledgment of America’s true and proud history. |
| ally bank savings rate history: A History of Modern Banks of Issue Charles A. Conant, 2018-11-10 This work has been selected by scholars as being culturally important and is part of the knowledge base of civilization as we know it. This work is in the public domain in the United States of America, and possibly other nations. Within the United States, you may freely copy and distribute this work, as no entity (individual or corporate) has a copyright on the body of the work. Scholars believe, and we concur, that this work is important enough to be preserved, reproduced, and made generally available to the public. To ensure a quality reading experience, this work has been proofread and republished using a format that seamlessly blends the original graphical elements with text in an easy-to-read typeface. We appreciate your support of the preservation process, and thank you for being an important part of keeping this knowledge alive and relevant. |
| ally bank savings rate history: Asset Recovery Handbook Jean-Pierre Brun, Anastasia Sotiropoulou, Larissa Gray, Clive Scott, 2021-02-08 Developing countries lose billions each year through bribery, misappropriation of funds, and other corrupt practices. Much of the proceeds of this corruption find 'safe haven' in the world's financial centers. These criminal flows are a drain on social services and economic development programs, contributing to the impoverishment of the world's poorest countries. Many developing countries have already sought to recover stolen assets. A number of successful high-profile cases with creative international cooperation has demonstrated that asset recovery is possible. However, it is highly complex, involving coordination and collaboration with domestic agencies and ministries in multiple jurisdictions, as well as the capacity to trace and secure assets and pursue various legal options—whether criminal confiscation, non-conviction based confiscation, civil actions, or other alternatives. This process can be overwhelming for even the most experienced practitioners. It is exceptionally difficult for those working in the context of failed states, widespread corruption, or limited resources. With this in mind, the Stolen Asset Recovery (StAR) Initiative has developed and updated this Asset Recovery Handbook: A Guide for Practitioners to assist those grappling with the strategic, organizational, investigative, and legal challenges of recovering stolen assets. A practitioner-led project, the Handbook provides common approaches to recovering stolen assets located in foreign jurisdictions, identifies the challenges that practitioners are likely to encounter, and introduces good practices. It includes examples of tools that can be used by practitioners, such as sample intelligence reports, applications for court orders, and mutual legal assistance requests. StAR—the Stolen Asset Recovery Initiative—is a partnership between the World Bank Group and the United Nations Office on Drugs and Crime that supports international efforts to end safe havens for corrupt funds. StAR works with developing countries and financial centers to prevent the laundering of the proceeds of corruption and to facilitate more systematic and timely return of stolen assets. |
| ally bank savings rate history: Six Days of War Michael B. Oren, 2017-06-06 NEW YORK TIMES BESTSELLER • The first comprehensive account of the epoch-making Six-Day War, from the author of Ally—now featuring a fiftieth-anniversary retrospective Though it lasted for only six tense days in June, the 1967 Arab-Israeli war never really ended. Every crisis that has ripped through this region in the ensuing decades, from the Yom Kippur War of 1973 to the ongoing intifada, is a direct consequence of those six days of fighting. Writing with a novelist’s command of narrative and a historian’s grasp of fact and motive, Michael B. Oren reconstructs both the lightning-fast action on the battlefields and the political shocks that electrified the world. Extraordinary personalities—Moshe Dayan and Gamal Abdul Nasser, Lyndon Johnson and Alexei Kosygin—rose and toppled from power as a result of this war; borders were redrawn; daring strategies brilliantly succeeded or disastrously failed in a matter of hours. And the balance of power changed—in the Middle East and in the world. A towering work of history and an enthralling human narrative, Six Days of War is the most important book on the Middle East conflict to appear in a generation. Praise for Six Days of War “Powerful . . . A highly readable, even gripping account of the 1967 conflict . . . [Oren] has woven a seamless narrative out of a staggering variety of diplomatic and military strands.”—The New York Times “With a remarkably assured style, Oren elucidates nearly every aspect of the conflict. . . . Oren’s [book] will remain the authoritative chronicle of the war. His achievement as a writer and a historian is awesome.”—The Atlantic Monthly “This is not only the best book so far written on the six-day war, it is likely to remain the best.”—The Washington Post Book World “Phenomenal . . . breathtaking history . . . a profoundly talented writer. . . . This book is not only one of the best books on this critical episode in Middle East history; it’s one of the best-written books I’ve read this year, in any genre.”—The Jerusalem Post “[In] Michael Oren’s richly detailed and lucid account, the familiar story is thrilling once again. . . . What makes this book important is the breadth and depth of the research.”—The New York Times Book Review “A first-rate new account of the conflict.”—The Washington Post “The definitive history of the Six-Day War . . . [Oren’s] narrative is precise but written with great literary flair. In no one else’s study is there more understanding or more surprise.”—Martin Peretz, Publisher, The New Republic “Compelling, perhaps even vital, reading.”—San Jose Mercury News |
| ally bank savings rate history: School, Family, and Community Partnerships Joyce L. Epstein, Mavis G. Sanders, Steven B. Sheldon, Beth S. Simon, Karen Clark Salinas, Natalie Rodriguez Jansorn, Frances L. Van Voorhis, Cecelia S. Martin, Brenda G. Thomas, Marsha D. Greenfeld, Darcy J. Hutchins, Kenyatta J. Williams, 2018-07-19 Strengthen programs of family and community engagement to promote equity and increase student success! When schools, families, and communities collaborate and share responsibility for students′ education, more students succeed in school. Based on 30 years of research and fieldwork, the fourth edition of the bestseller School, Family, and Community Partnerships: Your Handbook for Action, presents tools and guidelines to help develop more effective and more equitable programs of family and community engagement. Written by a team of well-known experts, it provides a theory and framework of six types of involvement for action; up-to-date research on school, family, and community collaboration; and new materials for professional development and on-going technical assistance. Readers also will find: Examples of best practices on the six types of involvement from preschools, and elementary, middle, and high schools Checklists, templates, and evaluations to plan goal-linked partnership programs and assess progress CD-ROM with slides and notes for two presentations: A new awareness session to orient colleagues on the major components of a research-based partnership program, and a full One-Day Team Training Workshop to prepare school teams to develop their partnership programs. As a foundational text, this handbook demonstrates a proven approach to implement and sustain inclusive, goal-linked programs of partnership. It shows how a good partnership program is an essential component of good school organization and school improvement for student success. This book will help every district and all schools strengthen and continually improve their programs of family and community engagement. |
| ally bank savings rate history: Financial Markets and Financial Crises R. Glenn Hubbard, National Bureau of Economic Research, 1991-08-13 Warnings of the threat of an impending financial crisis are not new, but do we really know what constitutes an actual episode of crisis and how, once begun, it can be prevented from escalating into a full-blown economic collapse? Using both historical and contemporary episodes of breakdowns in financial trade, contributors to this volume draw insights from theory and empirical data, from the experience of closed and open economies worldwide, and from detailed case studies. They explore the susceptibility of American corporations to economic downturns; the origins of banking panics; and the behavior of financial markets during periods of crisis. Sever papers specifically address the current thrift crisis—including a detailed analysis of the over 500 FSLIC-insured thrifts in the southeast—and seriously challenge the value of recent measures aimed at preventing future collapse in that industry. Government economists and policy makers, scholars of industry and banking, and many in the business community will find these timely papers an invaluable reference. |
| ally bank savings rate history: Economic Security: Neglected Dimension of National Security ? National Defense University (U S ), National Defense University (U.S.), Institute for National Strategic Studies (U S, Sheila R. Ronis, 2011-12-27 On August 24-25, 2010, the National Defense University held a conference titled “Economic Security: Neglected Dimension of National Security?” to explore the economic element of national power. This special collection of selected papers from the conference represents the view of several keynote speakers and participants in six panel discussions. It explores the complexity surrounding this subject and examines the major elements that, interacting as a system, define the economic component of national security. |
| ally bank savings rate history: IRS Historical Fact Book , 1993 |
| ally bank savings rate history: Digest of Public General Bills and Resolutions Library of Congress. Congressional Research Service, 1981 |
| ally bank savings rate history: Annual Report of the Federal Deposit Insurance Corporation for the Year Ending ... Federal Deposit Insurance Corporation, |
| ally bank savings rate history: Learn to Earn Peter Lynch, John Rothchild, 2012-11-27 Mutual fund superstar Peter Lynch and author John Rothchild explain the basic principles of the stock market and business in an investing guide that will enlighten and entertain anyone who is high school age or older. Many investors, including some with substantial portfolios, have only the sketchiest idea of how the stock market works. The reason, say Lynch and Rothchild, is that the basics of investing—the fundamentals of our economic system and what they have to do with the stock market—aren’t taught in school. At a time when individuals have to make important decisions about saving for college and 401(k) retirement funds, this failure to provide a basic education in investing can have tragic consequences. For those who know what to look for, investment opportunities are everywhere. The average high school student is familiar with Nike, Reebok, McDonald’s, the Gap, and The Body Shop. Nearly every teenager in America drinks Coke or Pepsi, but only a very few own shares in either company or even understand how to buy them. Every student studies American history, but few realize that our country was settled by European colonists financed by public companies in England and Holland—and the basic principles behind public companies haven’t changed in more than three hundred years. In Learn to Earn, Lynch and Rothchild explain in a style accessible to anyone who is high school age or older how to read a stock table in the daily newspaper, how to understand a company annual report, and why everyone should pay attention to the stock market. They explain not only how to invest, but also how to think like an investor. |
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Manage your money with Ally: online banking, auto financing, and investments. Financial products designed to help you pursue your goals.
Manage Your Ally Vehicle Account Online
Manage your Ally vehicle account online. Make payments, get your FICO Score, set up alerts and more. Download the Ally app to get started.
Ally Online Services | Ally
Ally Financial Inc. (NYSE: ALLY) is a leading digital financial services company. Ally Bank, the company's direct banking subsidiary, offers an array of deposit and mortgage products and …
Mobile and Online Banking: Open an Account Today | Ally Bank®
Online banking with a sense of purpose. Ally offers industry-leading online banking services. Convenient & secure banking. Ally Bank, Member FDIC.
Ally Bank: Awarded "Best Online Bank of 2025"
Explore Ally's secure online bank accounts with competitive rates. Rated "Best Online Bank of 2025" by GOBankingRates. Ally Bank, Member FDIC.
Contact Us: Customer Support & Other Contact Info | Ally
View a list of Ally's departments, phone numbers, mailing addresses and other contact information to get you the support and answers you need fast. Learn more. Skip to login Skip to main content
Open a High Yield Savings Account Online | Ally Bank®
Grow your money with a high yield Savings Account. Our online savings account features savings buckets and no overdraft fees. Ally Bank, Member FDIC
