Matching Items (20)

132492-Thumbnail Image.png

Uncertainty of the Stock Market and its Effect on the U.S. Economy

Description

The purpose of this thesis is to educate the reader and share the relevant areas of the United States and its ever-so unpredictable stock and real estate market. It will

The purpose of this thesis is to educate the reader and share the relevant areas of the United States and its ever-so unpredictable stock and real estate market. It will further detail, how investing in stocks can be beneficial or negative to one’s financial portfolio. This article explains and dissects the areas of the U.S. market and possibly dependent economy. The foundational definition and the basics of buying, selling and trading in the stock market is a very intricate process. There are various causes and concerns about how the stock market affects the economy and vice versa, how the economy affects the financial markets. As a theoretical framework, this topic will take a deep dive into the 2008 recession and the devastating effects it had on the global economy and financial markets. Furthermore, I will explain what steps the government took, the key decisions and incentives placed to pull itself out and what strategies and laws were passed to ensure that such a drastic crash would not repeat.
The goal of this thesis is to further educate the reader about the realities of the U.S stock market. Whether that be the risks or the benefits, it is important for every young adult and those that have invested in the past, to have extensive knowledge about how our stock market. It is true that the stock market affects the overall economy, however, it can be said that the economy has a significant effect on the stock market as well. Investing in the stock market is not something that Americans are forced to learn about, and many millennials have the, “Why should I care about that?” mindset when it comes to learning about the pros and cons of the Financial markets. This trend is very alarming because when done right, investing in the stock market can truly pay dividends. A cultural shift towards learning financial nuances should be incorporated in all education and more of the next generation should be educated and given this awareness. This article will not address the newer entrants such as crypto-currency, because that is more of a fad rather than a largescale market that would affect the overall economy.
The second goal with this thesis is to explain how the stock market affects the overall economy, as it is one of many significant factors. This goal may be slightly more difficult as there are so many variables in the US economy, such as changes in the global economy. One can also argue that the stock market is a supplement of the current economy. Addressing the financial markets and behavior, this conclusion will eventually address different variables and focus on the markets and how they affect the United States economy.

Contributors

Agent

Created

Date Created
  • 2019-05

131125-Thumbnail Image.png

What is a “Good Economy”? Analysis of Economic Metrics & Their Political Impact on the United States

Description

The goal of this research paper is to analyze how we define economic success and how that affects large corporations and consumers. This paper asks the questions: What do we

The goal of this research paper is to analyze how we define economic success and how that affects large corporations and consumers. This paper asks the questions: What do we define as a good economy? What metrics are currently utilized? And how do perceptions of a good economy influence politics? Overall, the research seeks to identify common economic and financial fallacies held by the average citizen and offer alternative methods of how socio-economic information is presented to the consumers. Consumers play a major role in the market, and the information they receive has a considerable impact on their behaviors. Determining why the present economic analysis is used is the first step in finding ways to improve the system. Observing past political and economic trends and relating them to current issues is necessary for finding future solutions.

Contributors

Agent

Created

Date Created
  • 2020-05

135933-Thumbnail Image.png

Throttling into Darkness - Financial Inequality in America

Description

The current state of financial inequality in America is showing multiple economic and social problems that harm the American dream and legacy. It is found that increasing inequality causes slower

The current state of financial inequality in America is showing multiple economic and social problems that harm the American dream and legacy. It is found that increasing inequality causes slower GDP growth, underinvestment in human capital, and disproportionate shifting of political power to the rich. Researches show that Average Americans do not realize how severe inequality has gotten over the past few decades, but one thing is clear: What they thought as ideal distribution of wealth is nowhere close to the reality. In this thesis, I examine the current state of inequality and how it has changed since the 1980s. Then, I present reasons why inequality has been on an increasing trend and identify what economic policies lead to rising inequality. With analysis of Reaganomics (trickle-down economics), I make an argument that reducing taxes on the rich might provide a short-term boost in the national economy, but such policy soon encounters side effects and is unsustainable. Fighting inequality is an imperative step to boost the American middle class and maintain sustainable and stable economic growth. In order to relieve inequality down closer to what Americans picked as the appropriate level, I present two recommendations that can be effective in fighting inequality. One is to reform the tax policies to make it more progressive especially towards the top 5% and shift the tax burden from the bottom to the top, while implementing stricter regulations regarding tax evasion. Next is to provide disadvantaged students with better access to higher education by subsidizing public universities more and lowering FAFSA rate. Realizing one's earning potential starts with education, and higher education today is more important than any other time in the past. Once these solutions prove effective and inequality is relieved, America will be able to regain her reputation as land of opportunity and enjoy faster economic growth.

Contributors

Agent

Created

Date Created
  • 2015-12

131722-Thumbnail Image.png

A Discussion and Analysis of the Impact of Financial Regulations Before and After the 2008 Great Recession

Description

Regulations in the financial sector of the United States have had the same purpose of protecting the economy and consumers since their modern establishment. Deregulation in the 1980’s led to

Regulations in the financial sector of the United States have had the same purpose of protecting the economy and consumers since their modern establishment. Deregulation in the 1980’s led to an environment that allowed banks to take on high risk choices. This, among other economic circumstances, lead to the 2008 Great Recession that brought down the United States and global economies. The government was forced to act with bailouts to keep many big banks from shutting down. Some were bailed out and others failed to keep the economy stable. In June 2009, the recession was over, but the recovery process was not. To help prevent another crash, the Dodd Frank Act was passed in July 2010. The act is a long and complex legislation with the main purpose of enforcing regulations to keep banks in check to prevent another recession. The Act’s enforcement was felt immediately, forcing businesses to adapt to its regulation standards. Opinions on Dodd-Frank are mixed. Some see it serving its purpose with regulating the financial sector and others see it being a costly burden that has slowed the progress of the economy. As the economy continues to evolve, we can expect changes to the regulations on the financial sector which will continue to cause businesses to adapt, change, and modify their operations.

Contributors

Agent

Created

Date Created
  • 2020-05

Timmy and The Magic Box: Practice and Process in Writing for Children

Description

RIIIIING. The class bells ring to signal the end of the school day for Timmy and his classmates. Mrs. Clark, the boys’ sixth grade teacher, is in the

RIIIIING. The class bells ring to signal the end of the school day for Timmy and his classmates. Mrs. Clark, the boys’ sixth grade teacher, is in the middle of a vocabulary lesson, but as soon as the bell rings everyone rushes out the door. She sets her chalk down on the desk and waves goodbye to everyone as they head home. Timmy and his best friend, Ben, hop on their bikes and start their ride home.
Every day, the boys drive past Merlin’s Magic Shop on the way back from school. Today when Timmy and Ben ride past the store, Timmy sees something new in the window. It appears to be an old box. Wooden, a little worn in, but it still looks like something special.
The boys go inside to ask someone about the box. Towards the back of the store there is an older gentleman stocking the shelves. The gentleman sees the boys looking his way and he begins to head towards Timmy and Ben.
“How do you do?” the man asks. He can tell they are stealing glances at the box, too nervous to ask about it. He points towards the object in the window and says, “You know, that was my old magic box when I was a boy. I thought it looked like it might need a new home.”

Timmy thinks for a moment. The man seems a bit odd—could this really be magic or is he tricking us? By the way he talks, it’s as if he already knows what people are thinking. He knew right away that we wanted that box. He can be standing in the middle of an aisle and in the blink of an eye, he’s gone! Is he magic himself? The store is odd too. You won’t find more than two of an item in there. The store is full of wands and hats and capes, but none of them look the same. Nothing comes in packages or pretty boxes—everything comes as it is, as if it has been used before.

Contributors

Agent

Created

Date Created
  • 2020-05

133707-Thumbnail Image.png

Banking Regulation: An Analysis of Dodd-Frank

Description

Dodd-Frank should be celebrated for its success in stabilizing the financial sector following the last financial crisis. Some of its measures have not only contained financial disaster but contributed to

Dodd-Frank should be celebrated for its success in stabilizing the financial sector following the last financial crisis. Some of its measures have not only contained financial disaster but contributed to economic growth. These elements of Dodd-Frank have been identified as "clear wins" and include the increase of financial institutions' capital requirements, the single-point-of-entry approach to regulating financial firms, and the creation of the Consumer Financial Protection Bureau (CFPB). The single-point-of-entry strategy (SPOE), specifically, has done much to bring an end to the age of "too big to fail" institutions. By identifying firms that could expect to be aided in case of financial crisis, the SPOE approach reduces uncertainty among financial institutions. Moreover, SPOE eliminates the significant source of risk by establishing clear protocols for resolving failed financial firms. Dodd-Frank has also taken measures to better protect consumers with the creation of the CFPB. Some of the CFPB's stabilizing actions have included the removal of deceptive financial products, setting guidelines for qualified mortgages, and other regulatory safeguards on money transfers. Despite the CFPB's many triumphs, however, there is room for improvement, especially in the agency's ability to reduce regulatory redundancies in supervision and collaboration with other financial sector controllers. The significant strengths of Dodd-Frank are evident in its elements that have secured financial stability. However, it is important to also consider any potential to stifle healthy economic growth. There are several areas for legislative amendments and reforms in order to improve the performance of Dodd-Frank given its sweeping regulatory impact. Several governing redundancies now exist with the creation of new regulatory authorities. Special efforts to increase the authority of the Financial Sector Oversight Council (FSOC) and preserving the impartiality of the Office of Financial Research (OFR) are specific examples of reforms still needed to elevate the effectiveness of Dodd-Frank. In addition, Dodd-Frank could do more to clarify the Volcker Rule in order to ease banks' burden to comply with excessive oversight. Going forward, policymakers must be willing to adjust parts of Dodd-Frank that encroach too far on the private sector's ability to foster efficiency or development. In addition, identifying and monitoring areas of the legislation deemed "too soon to tell" will provide insight on the accuracy and benefit of some Dodd-Frank measures.

Contributors

Created

Date Created
  • 2018-05

133198-Thumbnail Image.png

Financial Intelligence Pays Off: A Personal Guide to Finance for Students

Description

Financial Intelligence Pays Off blog is an easy to use blog for high school juniors and seniors and college students to access in order to receive a quick overview of

Financial Intelligence Pays Off blog is an easy to use blog for high school juniors and seniors and college students to access in order to receive a quick overview of essential financial topics. There are many sources and college courses for students to take to get a more in-depth understanding of topics such as saving, filing taxes, learning about credit but many times students do not know about these courses. However, it is often that courses are restricted to students who are business majors and online sources sometimes use to technical of terminology for young adults to follow along. The goal of this blog is for it to give students just a quick overview of what taxes are, how to manage and have a good credit score, how to keep a budget and other essential financial tasks. There are five topics covered in the blog as well as resources for students to access if they would like more information on a topic.

Contributors

Agent

Created

Date Created
  • 2018-12

148076-Thumbnail Image.png

Mirabella at ASU: Insight, Integration, and Impact of University Based Retirement Communities

Description

Through research, interviews, and analysis, our paper provides the local community with a resource that offers a comprehensive collection of insight into the Mirabella at ASU Life Plan Community and

Through research, interviews, and analysis, our paper provides the local community with a resource that offers a comprehensive collection of insight into the Mirabella at ASU Life Plan Community and the projected impact it will have on the City of Tempe and Arizona State University.

Contributors

Agent

Created

Date Created
  • 2021-05

148008-Thumbnail Image.png

Mirabella at ASU: Insight, Integration, and Impact of University Based Retirement Communities

Description

Through research, interviews, and analysis, our paper provides the local community with a resource that offers a comprehensive collection of insight into the Mirabella at ASU Life Plan Community and

Through research, interviews, and analysis, our paper provides the local community with a resource that offers a comprehensive collection of insight into the Mirabella at ASU Life Plan Community and the projected impact it will have on the City of Tempe and Arizona State University.

Contributors

Agent

Created

Date Created
  • 2021-05

148020-Thumbnail Image.png

Mirabella at ASU: Insight, Integration and Impact of University Based Retirement Communities

Description

Through research, interviews, and analysis, our paper provides the local community with a resource that offers a comprehensive collection of insight into the Mirabella at ASU Life Plan Community and

Through research, interviews, and analysis, our paper provides the local community with a resource that offers a comprehensive collection of insight into the Mirabella at ASU Life Plan Community and the projected impact it will have on the City of Tempe and Arizona State University.

Contributors

Agent

Created

Date Created
  • 2021-05