Public investors can lower commissions through investment autonomy, that is, implementing the investment decision process without outside input. Details some techniques for fine-tuning the investment process. (MLF)

Use of a bank rating service can help school financial officers make sure that school assets are protected and available at all times. Explains how a bank rating system works. (MLF)

School districts can effect considerable savings by obtaining maximum banking services. A procedure is offered for choosing a bank depository based on services to be rendered. (Author/MLF)

Basic components of a New Jersey district's profitable cash management program include consolidating funds using a negotiated bank agreement, a short term investment policy, accurate flowcharts for precise planning, and revenue and expenditure analysis. Data collection and analysis and the alternative of using a bank service agreement are…

The Automatic Payroll Deposit System in Yakima, Washington's Public School District No. 7, directly transmits each employee's salary amount for each pay period to a bank or other financial institution. (Author/MLF)

Provides guidelines for overseeing a school district's cash-flow management program: (1) receipts into cash; (2) types of float; (3) concentration account or controlled-disbursement account; (4) bank-account analysis; and (5) safety. One figure is included. (LMI)

At certain times of the year, school districts have a significant amount of money available. That money, properly invested, can represent a valuable source of additional funds. Describes bank options and factors to be considered in an investment policy. (MLF)

Encourages educational institutions to strengthen their financial positions by taking advantage of the current "marketing war" among United States banks. Suggests increasing the yield of available funds, reducing idle cash balances, and increasing available investment funds as three criteria for choosing the right bank or combination of…

Describes federal-funds activity in the United States and the Federal Reserve's role in controlling bank lending and money creation. Discusses the relationship between the money supply and the Federal Reserve, Federal Reserve interventions in the market, and how the Reserve sets the federal-funds rate. Also identifies players in the funds market.…