Complexities of the US Financial System Assignment - 1

Essays on Complexities of the US Financial System Assignment The paper â€Å"Complexities of the US Financial System" is a  brilliant example of an assignment on finance accounting. Financial markets are markets where agents buy and sell bonds, stocks, commodities, derivatives and foreign exchange. In addition, they are markets where enterprises go to increase cash to grow, investors make money and companies minimize risks.Task 1Financial markets play a major role in the health of an economy. They contribute by efficiently directing the liquidity of investment and savings in the economy in ways that enable the accumulation of assets and the production of services and goods. The mixture of well-developed financial markets, as well as a varied range of financial instruments and products, meet the needs of lenders and borrowers, and hence the general good economy (Saunders, 2000).Financial markets can lead to a company’s collapse or development. Most companies invest in these markets with the aim of minimizing their risks as well as gr ow their money. However, if a financial market weakens, the effect is directly transferred to the business, which can lead to its collapse. However, if it grows stronger, the businesses gain more stability as the risks get reduced and at the same time their money increases (Saunders, 2000).Financial markets can affect an individual directly or indirectly. For instance, a failing market will directly affect the economy of a country, which in turn will transfer its effect on the consumers by increasing the prices of goods and services offered (Saunders, 2000).Task 2The Federal Reserve's primary role involves managing the United States monetary policy, monitoring the systemic risk and regulating the bank holding companies as well as other member banks (Rotemberg, 2013). The team is effective in that it has delivered the state from the 2007/2008 financial crisis.The Federal Reserve chairman acts as the face of the board, by testifying and elaborating to the Congress, twice every year, o f what the board thinks of the current economy and the reasons for its every ongoing activity. Also, he maintains in contact with the President’s Council of a financial adviser (Rotemberg, 2013). The regular updates and contact with the advisers help to allow the state to know its economic status and seek and employ effective solutions in case of issues.The Federal Reserve Board analyzes economic and financial growth, both internationally and domestically (Rotemberg, 2013). It is effective in that, its analysis help determines the next economic move by the state.Task 3Interest rates affect spending tendencies. Locally, if the interest rate is low, people prefer borrowing money to buy an expensive item than saving until the amount is reached. Consequently, it results in many people borrowing more money which increases the general spending in the overall economy. However, if the rate is high, they prefer saving for it, resulting in reduced spending within the economy. Internati onally, low interests, makes many states take up various loans to finance their ongoing projects, which results in increased country expenditure. However, increased rates cause fewer loans, hence the spending is reduced (Shaw, 2009).Increased rates influence inflation in that, increased interest rates translate to higher borrowing costs that make people start spending less. Consequently, the demand for services and goods will then reduce, which will make inflation fall. An example is during 1981-82 where inflation was at 14 percent pa. After the 20 percent interest rate raise, the country underwent a lethal recession. Globally, the reduced interest rates, especially on houses in the early 2000s, encouraged global trading and consequently resulted in the second-worst known global recession (Shaw, 2009).

Early Childhood Education Free Essays

Early Childhood Educators that are currently in the field include licensed daycares, before and after school programs, programs/clubs/services seeking ECE’s, and soon to be Kindergarten classes in the next 5 years. Funding for Early Childhood Educators is the issue that needs to be looked at and revised. OCBCC â€Å"Ontario Coalition for Better Child Care† held a press conference at Queen’s Park on October 27th, 2010 to address the issue of Ontario’s shortage of ECEs. We will write a custom essay sample on Early Childhood Education or any similar topic only for you Order Now Tracy Saarikoski, President of the Ontario Coalition for Better Child Care said â€Å"At my child care centre, we have lost qualified early childhood educators to jobs in the retail sector where the pay was higher. We need to make sure we can pay our qualified early childhood educators a decent wage so an early childhood educator can work in the job she was trained for and loves, and still be able to provide a decent income for her family. † This basically means that the time and effort put into the ECE program at colleges is a waste of time and money because the field is not offering fair wages to support it. If retail stores are offering higher wages that almost anyone can walk into, then what does this mean for the field? It could mean less ECE teachers will be in the field, which means staff ratio to children will be lower. In other words it will be very difficult to find child care for children because there are not enough ECE teachers committing to the field. Then, if it progresses this far, parents and caregivers will have no option but to find private, unlicensed care which may not be the safest solution for children. The â€Å"Occupational Standards for Early Childhood Educators† describe the knowledge, skills, and abilities early childhood educators (ECEs) need to do their job effectively. ECE teachers need to keep updating their specific qualifications in order to stay in the field of work. In order to achieve current and accurate knowledge and skills, it has its own cost. Some fees and classes are funded through a person’s workplace and/or the specific organization that could be offering funding. Other educators are not this fortunate and funding comes at their own cost. On a more positive note, the government is creating a new program; full-day early learning and care for ages four to five years, but they have not done enough to increase the amount of qualified ECE’s that are already in the field to transfer over into this new action plan. A solution to this would be higher wages, or the government’s future plan may fail. The government needs to act quickly in order to increase the college’s ECE programs and raise wages or the new action plan for full-day early learning and care program will not work and community-based child care programs will not succeed. How to cite Early Childhood Education, Essay examples Early Childhood Education Free Essays Select one of the following and write a response to the question you select. (150 words) (Please note these essays are a sample of your own opinion, there is no right or wrong answer) a) Do you agree or disagree with the following sentence? The first five years of a person’s life are the most important. Give reasons and examples to support your answer. We will write a custom essay sample on Early Childhood Education or any similar topic only for you Order Now Yes, I agree that the first five years of a person’s life are the most important. The first five years of a person is the â€Å"foundation years† as fundamental attitudes are formed and the pattern for future growth and development is determined. The period between the birth and the age of five has a crucial influence on the future development of the child. Every human being is born in a society. A child’s first society is its mother. A family is its first social experience. The child learns its attitude towards life from its first environment that is its family. Hence the family has to provide a perfect environment for the child. Like my maid whose husband is a drunkard and has four kids and has no basic education tough she wants to send her kids to school, she can’t send them because of her socio economic conditions. A balanced diet during this period lays the foundation for sound health. How to cite Early Childhood Education, Papers

Antigone Essay On Gender Roles Example For Students

Antigone Essay On Gender Roles A monologue from the play by Sophocles NOTE: This monologue is reprinted from Greek Dramas. Ed. Bernadotte Perrin. New York: D. Appleton and Company, 1904. HAEMON: Father, the gods implant reason in men, the highest of all things that we call our own. Not mine the skillfar from me be the quest!to say wherein thou speakest not aright; and yet another man, too, might have some useful thought. At least, it is my natural office to watch, on thy behalf, all that men say, or do, or find to blame. For the dread of thy frown forbids the citizen to speak such words as would offend thine ear; but I can hear these murmurs in the dark, these moanings of the city for this maiden; No woman, they say, ever merited her doom lessnone ever was to die so shamefully for deeds so glorious as hers; who, when her own brother had fallen in bloody strife, would not leave him unburied, to be devoured by carrion dogs, or by any bird:deserves not she the meed of golden honour? Such is the darkling rumour that spreads in secret. For me, my father, no treasure is so precious as thy welfare. What, indeed, is a nobler ornament for children than a prospering sires fair fame, or for sire than sons? Wear not, then, one mood only in thyself; think not that thy word, and thine alone, must be right. For if any man thinks that he alone is wisethat in speech, or in mind, he hath no peersuch a soul, when laid open, is ever found empty. No, though a man be wise, tis no shame for him to learn many things, and to bend in season. Seest thou, beside the wintry torrents course, how the trees that yield to it save every twig, while the stiff-necked perish root and branch? And even thus he who keeps the sheet of his sail taut, and never slackens it, upsets the boat, and finishes his voyage with keel uppermost. Nay, forego thy wrath; permit thyself to change. For if I, a younger man, may offer my thought, it were far best, I ween, that men should be all-wise by nature; but, otherwiseand oft the scale inclines not sotis good also to learn from those who speak aright.