Introduction In contemporary society, the choice between cash and credit cards represents a pivotal decision in personal finance management. The advent of digital technology has transformed the landscape of consumer transactions, presenting both opportunities and challenges. Cash, with its tangible presence and historical roots, offers simplicity and immediacy. In contrast, credit cards provide convenience, security, and the potential for financial...
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Introduction The ubiquitous presence of credit cards in modern financial systems underscores their pivotal role in personal and global economies. Originating as simple tools for consumer convenience, credit cards have evolved into complex financial instruments with both beneficial and detrimental implications. On one hand, credit cards offer unparalleled convenience, security, and opportunities for financial growth. On the other hand, they...
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Introduction The debate surrounding low minimum wage is a perennial issue in socio-economic discourse, characterized by its complexity and multifaceted implications. Proponents of higher minimum wages argue that it ensures a living wage for all, combating poverty and reducing inequality. Conversely, opponents assert that artificially increasing wages could lead to unemployment and inflation, potentially harming the very individuals it aims...
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Introduction The question of when human life begins has been a matter of intense debate, traversing the realms of science, philosophy, religion, and ethics. This debate is not merely academic; it has profound implications for policies on reproductive rights, stem cell research, and medical ethics. Scientific perspectives often focus on biological milestones such as fertilization, implantation, and viability. Philosophical and...
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Introduction In recent years, the cost of higher education has escalated dramatically, creating a significant barrier for many students aspiring to further their academic pursuits. This financial burden is compounded by the rising costs of living, textbooks, and other essential resources, which collectively contribute to a precarious financial landscape for students. Financial aid becomes not merely a beneficial option but...
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Introduction Credit cards have become an integral part of modern financial systems, offering a convenient means of transaction that transcends geographical boundaries. Their widespread adoption has been fueled by the advantages they offer, such as ease of payment, the ability to build credit history, and rewards on spending. However, the use of credit cards is not without its drawbacks, which...
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Introduction The phrase "There's still gold in those hills" evokes images of the California Gold Rush and the adventurous spirit of the 19th century. While the fevered rush for gold may seem like a relic of the past, the reality is that gold mining remains a significant and relevant industry in the 21st century. This essay explores the ongoing importance...
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Investment is a term that encompasses a wide array of financial activities, all aimed at generating future income or appreciation. At its core, investment involves the allocation of resources, typically money, in various financial instruments, assets, or ventures with the expectation of achieving a return over a period of time. This return may come in the form of income, such...
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Inflation is when the cost of goods and services goes up. Inflation is normally measured by using “The Consumer Price Index—most frequently referred to as the CPI, based on the retail diaries of 24,000 individuals.” (Kasperkevic,2018). People write down what they need to get to how much it costs, then the information is used to determine how the costs of...
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Business is an ever-evolving process; from the general store to the department store, to the mall, to the website. As culture and technology change, so must businesses adapt to the changing market. As the department store died and malls rose to prominence, so did the “Information Revolution” started the death of classical, brick-and-mortar retail. Change is not always good, and...
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According to Ventura R. (2018), the workforce is an individuals group, working in an industry or company. Several workers and the level of education are believed to enhance economic growth by increasing labor productivity. In terms of the workers’ quantity, there are several ways in which it can influence economic growth. First of all, it may amend potential output and...
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The National Living Wage (NLW) was introduced in 2015 and to be eligible to earn it you must be 25 years or over. Several people are not allowed to gain the NLW. A few of them are those who are self-employed, volunteers, and those who are a part of the armed forces.1 “It ensures that work pays, and reduces reliance...
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Real estate is in everything we do. It affects our lives in various ways. Ultimately we live in real estate, we farm on it, we work on it and build on it, fly away from and return to it. It is an integral part of our lives. The physical importance is complemented by the impact it has on the economy...
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I hadn’t eaten McDonald’s in well over a year but a couple of days ago I was limited on time and options and I didn’t have much of an alternative. I proceeded to go through the drive-through and without really looking at the prices ordered the only thing I would ever eat from McDonald’s, a #10 – 10pc Chicken McNuggets...
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Intro This paper looks at the prospects of the US economy and will explore whether the phrase; “the prospects of the US economy are good” is in any way true. This paper will use data collected and published by this report will use data collected and published by global institutions to look into key aspects of the US economy. “An...
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We all have been on edge in wondering whether the US economy is on the right track. I am arguing that in fact, the economy is doing great. Total unemployment is reaching record lows at an impressive 3.6% under the Trump administration. The economy has added more than 304,000 jobs for American workers. Average hourly rates have gone up a...
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A college education is valuable, as a college education can help people apply for jobs that involve higher wages for their workers not only does having a college education help with better wages but also helps people get access to better benefits than someone who does not have a college education. College is a very important type of education especially...
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Nelson Siegel and Nelson Siegel Svensson Model Yield Curve denotes the relationship between the yields of a zero coupon bonds and their respective time to maturity. Different estimation methods and mathematical models are used to formulate a yield curve. Parametric models such as Nelson-Siegel model and Nelson-Siegel-Svensson model are used widely to estimate a yield curve. Nelson Siegel Model Nelson...
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The bond data used in this study were obtained from Bloomberg. They consist of weekly closing bid yields calculated from the bid prices of the last transaction quotes on each Friday between January 1986 and December 1990 for a sample of corporate bonds quoted in Bloomberg. They consist of weekly closing yield calculated from bid and ask prices of the...
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Another group of people who are affected by America’s housing crisis and are possibly the most defenseless are illegal immigrants. Immigrants are the easiest targets when it comes to occupying a property. In many situations, undocumented immigrants are intimidated by landlords and flounder about complaining or even asking questions. They fear that complaining or asserting their legal rights will only...
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Introduction Inflation targeting may be a financial policy strategy utilized by central banks for maintaining inflation at a precise level or inside a selected vary. In general, central banks commonly follow a policy of keeping inflation sufficiently low. However, in inflation targeting, there's a predetermined, publically declared target. exploitation strategies like rate changes, financial institutions, and different financial authorities are...
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“Taxes are involuntary fees levied on individuals or corporations and enforced by a government entity whether local, regional or national to finance government activities.” (Kagan 2019). To fund government expenditures, for example, infrastructure upkeep, health care, and imports or exports, taxes are imposed upon working individuals and corporations. Two examples of taxes are sales tax and estate taxes. Sales taxes...
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Employee turnover is challenging to organizations in the face of hyper-completion, corporate failures, absenteeism, retaining employees, and workplace discrimination. Turnover is the process in which an employee leaves an organization and has to be replaced. Employees are instrumental to an organization's success, and a determining factor in an organization's sustaining, and competitive advantage to innovation, consistencies in providing quality service...
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The minimum wage debate is the argument over the lowest liveable wage nationally. A national minimum wage provides an income base rate for all workers in Australia within each industry. The two main stakeholders impacted by the minimum wage debate include employees and trade unions and employers. Minimum wage affects various stakeholders such as employees and trade unions. Employees work...
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The global economy has always been volatile and fiercely competitive! Sustaining growth and profitability in such an environment is akin to “Mission Impossible”. The modern-day technologies and scientific advances have shortened the life cycles of various products and services, disrupting the traditional business model, and giving rise to more competition. In this scenario of constant competition and instability, it becomes...
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In the United States, the Civil War ended, leading to massive sectional disputes throughout the Reconstruction era, before the golden age took over in the form of rapid industrialization. This included the expansion of industry, such as the construction of railways, and the enactment of Jim Crow legislation, such as poll taxes, grandfather clauses, and literacy tests, during Reconstruction. Following...
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South Africa is the second largest economy in Africa. Its people have a higher living standard and its economy is relatively stable compared with other African countries. South Africa has a vast territory and a developed transportation industry, which means that the demand for vehicles is large. However, South Africa has almost no auto brand of its own, which gives...
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The late 1800s was the beginning of the Industrial Revolution, the most momentous and dynamic time in American history. Industrial cities and towns grew significantly because of the migration of farmers and families who were searching for work in factories and mines. The resettlement of the people would help start a new development and retransformation of the country for generations...
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The candidate with the most votes wins a riding, and a coalition will be formed by the party to win most ridings. The prime minister is not directly elected; rather, the leader of the winning party will take the top position (Kestler 1). Six rival Parties are all trying to achieve the same common goal, which is to become the...
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From the 1870s to the 1890s, the United States entered a period of rapid industrialization. There was a shift from an agrarian economy to an industrial economy and many Americans began to move to urban areas. Mark Twain called this period the Gilded Age and criticized the era as a time of greed and political corruption. While there were millions...
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