Personal Money Management

Personal Money Management
RESEARCH PAPER
PRINCIPLE OF ECONOMICS, LAND REFORM
ECON103 (TIME: 10:00 – 11:00 A.M.)
PERSONAL MONEY MANAGEMENT
Submitted by:
Daryl Roa
Submitted to:
Mr. Nico Del Valle
I. Introduction: The idea of management implies that you have a goal or a set of goals in mind.
Therefore, the first and most important part of money management is to clarify your own goals,
commit to them and write them down. Why do you need money? What will you use your money
for? How much do you need? For what? For When? Be specific and realistic. Different people have
different needs and different wants. Prioritize your needs. Some wants and needs will have a higher
priority than others. Make your priorities clear and allocate sufficient funds ... Show more content
on Helpwriting.net ...
This can be a significant boost to your total savings.
Finally, and most importantly, the numbers here are AVERAGES over the entire career of the
subject. That's why the numbers look so daunting. Most people get raises over time, which, in
theory, increase the amount they can save. Therefore, the more distant goals can be safely under
funded for longer periods of time than the more immediate goals. If you have a 30,000 php/year job
and get 3% raises every year for 20 years, you would finish with 54,183 php/year. Then, assuming
you hit a plateau for the next 9 years, you would average 44,931 php/year over the span of your
career.
So, if you can't imagine ever saving 2,800 php per month, don't worry too much. The other factors
mentioned above should lend a helping hand. However, those figures can be used as inspiration to
let you achieve your goals faster.
We rarely hear of people who complain because they became rich too early in life and found they
could safely retire much earlier than they had first planned.

Dealing with debt
OK, so now you are living cheaper and as a result have some extra money left–over from your
immediate survival–based monthly expenses. Time to slay the Debt Monster... or is it? One
important decision to make is where to allocate the extra 50 you made. Will it go to pay down debt
or will it go to savings? Money has momentum. This is why the rich get richer and the poor get
poorer. Money's momentum is exponential as a result of
... Get more on HelpWriting.net ...

Make Money from Home
Make Money from Home
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The Value Of The Fiat Money
1) People can lose faith in money because if the value becomes questionable, so will the acceptance
of it. Economists believe that the better the fiat money serves as a store of value, the more
acceptable it is. This statement basically means that since fiat money is not backed by anything of
value, its not as easily accepted. Over time, people gradually come to accept the fiat money because
they believe others will accept it also.
2) When the value of money was based on its gold content, new discoveries of gold were followed
by periods of inflation because as the surplus of gold went up, so did the supply of money. When the
supply of money surpasses its equilibrium, we get inflation.
3) A depository institution is a financial institutions such as a savings or commercial bank or credit
union that allows customers to deposit monies. They act as intermediates between borrowers and
savers by bringing together both sides of the money market. They gather amounts from savers and
repackage the funds in to amounts desired by the borrowers. They assume the liability and basically
reduce the transaction costs of channeling savings to creditworthy borrowers.
4) The main powers and responsibilities of the Federal Reserve System are providing financial
services to depository institutions, the U.S. government, and foreign central banks, including
playing a major role in clearing checks, processing electronic payments, and distributing coin and
paper money to the nation 's banks,

Time Value Of Money
Time Value of Money The time value of money indicates the relationship between time and money
because of the opportunity to invest today's dollar and receive interest on the investment in the
future. A dollar received today is worth more than a dollar promised sometime in the future. Interest
is the payment for the use of the money lent or borrowed (principal). Interest is figured on a rate
basis. Any amount of money invested is worth more the sooner it is received (Time Value of Money
– TVM, 2013). Savings accounts draw interest on the balance of the account, usually for a year's
time. Suppose $100 is invested today at a 5% interest rate. After one year, it will draw interest of $5,
bringing the balance to a worth of $105 (100 x 1.05). Savings accounts also operate on compounded
interest if the principal and interest are left in the account over the long term. The second year would
be worth $110.25 (105 x 1.05). IRAs work on the same concept of compounded interest, but are
usually made up of various investments of stock and bonds that carry and overall higher interest rate
over the long run. The IRAs worth will depend more on the timing of the investments because the
earlier money is invested, the higher the worth is later (For IRAs, Time is Money, 2012). For
example, IRA1 invests $5000 on January 1 of the year and IRA2 invests $5000 on April 15, tax
season, of the same year. IRA1 will have more months of compounded interest than IRA2 and yield
a higher worth after

Essay On How To Make Money Without Money
Thirteen Ways to Make Money Online without Spending a Penny
Money is that vice which is also a boon. Nothing goes around without money, yet earning money is
not an easy job. Or is it? The world is digital today, and there are so many ways to earn money
without any investment on your side except hard work and patience.
Let's take a look at some of the most reliable ways to make money online without spending a penny:
1) SwagBucks
Perhaps the simplest way to earn easy money online is by doing online searches and watching
sponsored videos. SwagBucks rewards you for this with their virtual currency that could either be
converted into e–gift cards of famous merchant websites or transferred to a PayPal account.
2) GiftHulk
This is another website ... Show more content on Helpwriting.net ...
These tasks could be completing surveys, viewing websites or completing some other cash offers.
The rewards are low, but they are also easy to do.
7) Treasure Trooper
What makes Treasure Trooper different from other GPT sites is that it is terribly easy to sign up and
use. The frequency of tasks is also higher here, which means you have plenty of opportunities to
make more money.
8) Amazon.com
Amazon is perhaps the biggest merchant website in the world, which makes it as genuine as it gets.
All you have to do is become a seller as start selling your stuff. This could be old stuff like furniture,
mobile phones or appliances that you no longer need, or some other things created by you. The only
trouble is that it is a bit difficult to become an authorized seller on Amazon since they are quite strict
about the process.
9) eBay eBay is synonymous to "buy and sell". What makes eBay better than Amazon is that it is
very easy to become a seller here. You can post any items you want to sell, and never have to pay
any brokerage to the website.
10) M–Turk
Amazon's M–Turk is a huge name today and has been providing people with good money since a
long time. The objective of M–Turk is to allow people to do tasks that could not be done via
computers. The payment per task varies, but it is pretty decent. Amazon's reputation makes it a safe
place to work, though. The rewards could either be used as Amazon credits or transferred to your
bank accounts. The only glitch: it is very

Money Essay : The Power Of Money In Everyday Life
Money is a precious thing and it can become challenging to not spend it immediately after getting it.
It is crucial that this does not happen. There is no denying that money is an important part of society.
The world revolves around money and without it, one? would not be able to function. In everyday
life the average household will spend one hundred and sixty dollars daily. It is safe to say that
money is an resource used daily. It is a tool that can be used to connect with other people or buy
anything a person could want or need. Yet it is easy to spend money without realizing how much is
really being spent. With only a few simple tips it will become much easier to save money instead of
spending it on frivolous things. One's hard–earned dollar should be saved, and simple tips such as
using cash instead of cards, saving small change and only purchasing what one really needs are a
few of many ways of doing this. The power of money can easily be abused and it is very important
to make sure that a person is well informed on ways to save and spend money wisely.
Having an electronic banking card is great, if one is ever in a difficult situation it is easily accessible
and a reliable ally. However, this tool should not be used every day. Simply by carrying around cash
it will be much easier to monitor the amount of money that is being spent on a daily basis. This
leads to less money being spent over longer periods of time. Carrying around a twenty dollar bill
forces a person

Advantages And Disadvantages Of My Money
My Money
Someone once said, "The real measurement of your wealth is how much you'd be worth if you lost
all your money." This is saying that if you have money would you be the same or would completely
change. There are people who have to have money to live whereas, there are other people who don't
have to have money they just have to have love and compassion. Now, I am someone who doesn't
have to have money, but not everyone is like that. I see the advantages and the disadvantages of your
own money. Some advantages of earning my own money are buying what I want, helping people,
and buying necessities. One advantage of earning my own money is buying what I want. For
example, I can buy my own clothes. I don't have to go with all my family members just to get a pair
of jeans or I don't have to go to places that I don't like and I can also buy the clothes that I really
need and don't have to wait for someone to get the money. Usually when I don't have money I will
ask my grandma if she will take me shopping and she will tell me to get ready if I'm at her house
and if I'm not we plan a day to go out. She will usually take me to Goodwill and I don't have a
problem with that, but I can't get the clothes I want I have to the clothes she approves of and not the
clothes I want. Another thing I have always wanted to buy is a car. I would have to save some

Analysis Of The Man In The Money Suit
The image being examined, "The Man in the Money Suit," is a hand drawn sketch by R.H Burnside
for a costume design idea, which was put into play at the Billy Rose Theatre in New York. The
theatrical production for which this costume design concept originated, transpired in 1939; however,
the image itself was drawn in 1923. The drawing portrays a man, positioned front facing, wearing a
matching tuxedo and hat holding his arms out wide with white gloves on. The design of the suit
coat, pants, and hat are all a simple checkerboard pattern with alternating white and black squares
with each white space having a dollar sign inside of it. The man seems to be of a fairly white
complexion suggesting that the man to play this role in the play was white. In itself, the image, is
simple with minimal shading, a small shadow of the man and a blank background.
The production for which this costume design was made was titled "Better Times" and told the story
of a small town facing economically adversity as a result of the introduction of a charging tax hike.
Ultimately, the citizens of the suburban area united as a community to help each other repay debts,
fines and taxes to finally negotiate with the man in the money suit. The man in the money suit was a
government agent in charge of collecting debts. His role was to remind struggling locals that they
had outstanding debts and make threats of the consequences they would face if they did not make
timely payments. The man in the money suit

Borrow Money
A Few Options to Borrow the Money You Need
If you need to borrow money, you may be wondering what options are available to you. Of course, it
will depend upon what you need the money for, and how much money you need. Other factors,
depending upon the type of loan and lender, include such things as your credit report, and the type
of security you are offering the lender for the loan. The following are a few reasons you may need
money, and the type of loan that may be best for you.
You're short of cash until payday
This happens to everybody. An unexpected expense occurs, and you don't know where you will get
the money. All you need is a quick loan, and you will be able to pay it back when you get paid. You
could try and get a loan from a ... Show more content on Helpwriting.net ...
For example, they may lend you 85 percent of the car's value, so you will be responsible for the
remaining 15 percent. This is to protect the lender in case you default on the loan. The car can be
repossessed and sold to recover the some or all of the outstanding balance of the loan.
The best time to shop for a car loan
Most people shop for a car first, and then look for financing. Often they find out that they are not
qualified for a loan for the car they want. It is for this reason that it is best to reverse the process.
You should find out exactly how much money you qualify for, and then go shopping for a car that
you can get a loan for. Of course, you can always buy something less than the maximum amount of
the car loan you qualify for, but at least you will know which cars to pass on consideration. Pre–
qualifying for a car loan is a big time saver.
You want to take a vacation, bur are short of cash
There is no reason to put off taking the vacation you want just because you are short of cash. You
can get a personal loan, and then go have fun and relax on a much need vacation. A personal loan is
an installment loan, so when you get back from your vacation, you will be making your first
payment. These type of loans can often be financed for a few months, so you will have plenty of
time to pay back the money.
Canada Loans can be compared online. There are several sites where you can fill out your request
for a quote, and

Death Of Money By James Rickard
James Rickard is one of the several analysts who firmly believe that dollars will crash and will lead
to several issues in the monetary world. Rickard wrote a book titled "The Death of Money: The
Coming Collapse of the International Monetary System" in which he explains in detail how the
collapse of dollars will take place and what are the causes and reasons that will lead to it.
Discussion
The book by James Rickard – "The Death of Money: The Coming Collapse of the International
Monetary System"
To begin with, Rickard talks about the nuanced and astute comprehension of the tug–of–war in the
middle of expansion and flattening which has overwhelmed the economy and fiscal strategy since
the money related emergency of 2008. Generally, the writer ... Show more content on
Helpwriting.net ...
At the point when connected to paper cash, fiat money alludes to the startling thought that our dollar
has esteem simply because the administration says it does. Preceding the coming of national banks
and fiat monetary standards, which exist in each nation around the globe today, governments would
make cash by setting their official stamp on little pieces of valuable metal, generally gold and silver,
which came to be called coinage (McCauley, McGuire, & Sushko, 2015). Since gold and silver
could simply be liquefied down to its centre metal substance, individuals didn't stress that their cash
would turn out to be in a split second futile if the legislature collapsed. The monetary force wielded
by a country was measured by the amount of gold and silver it had socked away in the national
treasury. As overall stupidity beat the hundreds of years, political pioneers started to wander far
abroad from this fiscal framework, aggregately alluded to as the "highest quality level," as paper
cash started to show itself. Before long, somebody thought of the splendid thought of expanding the
paper cash supply without putting any more gold or silver in the national treasury and inflation was

Borrow Money Essay
Need to Borrow Money Just to Keep Up? Here's Your Financial Escape Plan Need to Borrow
Money Just to Keep Up? Here's Your Financial Escape Plan
When you need to borrow money––unless it's an emergency situation––it probably indicates that
you suffer from financial problems that go beyond the immediate situation. According to
Pewtrusts.orgHow to Pay Off Debt and Strengthen Your Finances so that You Don't Need to Borrow
Money
Most people who need to borrow money do so for two reasons––either they've taken on more debt
than they can afford or they're spending too much money. Plenty of people borrow money
responsibly when an unexpected emergency happens. However, it's never wise to borrow so that you
can buy impulse or luxury items. An ... Show more content on Helpwriting.net ...
Alternating these methods lets you reduce your overall debt faster while rewarding you by
eliminating debts a little faster.
Regardless of the methods you choose, you should apply any large amounts of cash toward paying
down your debt. Using your tax refund to reduce debt provides more financial equity because you're
eliminating interest charges in the future. Why It's Risky to Borrow Money Online
It's easier to borrow money online than it is to borrow from a bank. According to Slate.com, online
lenders are willing to lend money to people with bad credit, and easier approvals can tempt
borrowers to spend beyond their means. That's why it's easy to get in debt; many people are forced
to borrow money to pay ordinary living expenses. Person–to–person lending sites, short–term
lenders, Native American casino lending and other alternative loan products provide enormous
temptations. That doesn't mean that all online borrowing is bad. If you need emergency funds to
avoid penalties, late charges, increased interest rates and other expenses, short–term loans can prove
beneficial. The trick is to know when it's cost–effective to borrow money online. If you can't repay
the debt comfortably, borrowing isn't the answer. Developing a Plan to Strengthen Your Financial
Profile
Getting out of debt isn't the ultimate goal––you could easily get in trouble again unless you learn
how to handle

The Advantages Of Money And Credit Cards
Money remains to be one of the most important needs in life. It helps society survive by buying
things that are needed to meet the basic human needs such as: food, clothes, etc. Sometimes, people
earn a lot of money and learn to save it and others waste money they do not have, making poor
financial decisions. What is the best way out? The best way out is having cash. Cash has a lot of
advantages over credit cards. Choosing a payment method is sometimes difficult particularly for
buyers who cannot control their spending. What is the best way out? paying and obtaining cash has
more advantages over holding a handful of credit cards.
To begin with, cash is generally accepted at any business, so you'll rarely run into the problems of
being forced to use a credit card. Unlike credit cards that are more unreliable unless you're shopping
in a online store. Nonetheless one of the utmost issues of using a credit card is that many stores do
not provide the technology to pay a transaction with a card. In the event that this occurs one will
have to obtain an ATM machine in order to take out cash. Not only is this time consuming but it can
also result in the machine being broken which is a huge inconvenience. For example, a card can end
up being declined in a case of an emergency where money is needed or all of your money and
personal information can also be hacked and stolen in seconds. Now you will need to go through the
vigorous process of reporting your card being stolen to the

Advantages Of Money And E Wallet
Executive summary
This project analysis the Money and E–Wallet current situation and gives a brief of Money and E–
wallet, and also studies the present Advantages of Money and E–wallet and their uses.
Cash/Money/Currency
Anything is Money, which is for the most part adequate as a medium of trade, and in the meantime
it must go about as a measure and a store of significant worth. Anything suggests a thing to be
utilized as cash require not be essentially made out of any valuable metal. The main fundamental
condition is that, it should to be generally acknowledged by individuals as a medium of trade.
Cash is a medium of trade for products or administrations, service inside an economy.
Philosophically, anything can be cash, yet coins and paper ... Show more content on Helpwriting.net
...
The obligation regarding keeping up a sufficient cash supply falls on the RBI Reserve System.
Worthiness
Acceptability implies that everybody must have the capacity to utilize the cash for exchanges.
In INDIA this is demonstrated on our paper charges by the documentation: "This note is legitimate
delicate for all obligations, open and private". E–Wallet
E–wallet is an online prepaid mode of Account where one can stock money, to be utilized when
required.
As it is a pre–stacked office, purchasers can purchase a scope of items from aircraft tickets to basic
need without swiping a charge or Visa.
"How to use E–Wallet" A digital wallet refers to an electronic device that allows an individual to
make electronic transactions.
E–Wallet or Digital Wallet can incorporate buying things on–line with a PC or utilizing a cell phone
to buy something at a store. A person's financial balance can likewise be connected to the advanced
wallet. They may likewise have their driver's permit, wellbeing card, reliability card(s) and other ID
records put away on the telephone. The certifications can be passed to a dealer's terminal remotely
by means of close field correspondence

The Function of Money
The function of money
The main functions of money are distinguished among the terms of: a medium of exchange, a unit of
store value and standard of deferred payments.
Money as a Measure of value
In money, economy values of all commodities are expressed in the terms of money. Money is the
means by which we a measure the disparate things which make up the economy. This functions of
money makes transactions.
Money as a store of value
In order to be a medium of exchange, money must hold its value over time; that is, it must be a store
of value. If money could not be stored for some period of time and still remain valuable in
exchange, it would not solve the double coincidence of wants problem and therefore would not be
adopted as a ... Show more content on Helpwriting.net ...
The rationale for this is that emphasis is laid on their direct link to the prevailing value of their fine
gold content. American Eagles are imprinted with their gold content and legal tender face value. *
Representative Money
In 1875 economist William Stanley Jevons described what he called "representative money," that is,
money that consists of token coins, or other physical tokens such as certificates, that can be reliably
exchanged for a fixed quantity of a commodity such as gold or silver. The value of representative
money stands in direct and fixed relation to the commodity that backs it, while not itself being
composed of that commodity. * Fiat Money
Fiat money or fiat currency is money whose value is not derived from any intrinsic value or
guarantee that it can be converted into a valuable commodity. Instead, it has value only by
government order (fiat). Usually, the government declares the fiat currency to be legal tender,
making it unlawful to not accept the fiat currency as a means of repayment for all debts, public and
private. Fiat money, if physically represented in the form of currency (paper or coins) can be
accidentally damaged or destroyed. However, fiat money has an advantage over representative or
commodity money, in that the same laws that created the money can also define rules for its
replacement in case of damage or destruction. * Commercial Bank

Tvm of Money
Time Value of Money Extra Problem Set 1 1. You are planning to retire in twenty years. You 'll live
ten years after retirement. You want to be able to draw out of your savings at the rate of $10,000 per
year. How much would you have to pay in equal annual deposits until retirement to meet your
objectives? Assume interest remains at 9%. [$1254] 2. You can deposit $4000 per year into an
account that pays 12% interest. If you deposit such amounts for 15 years and start drawing money
out of the account in equal annual installments, how much could you draw out each year for 20
years? [$19964.12] 3. What is the value of a $100 perpetuity if interest is 7%? [$1428.57] 4. You
deposit $13,000 at the ... Show more content on Helpwriting.net ...
13. If you want a $1,000,000 for retirement in 30 years, how much would you have to save by the
end of each year if you could make 12% per year? How much would you have to set aside each year
if you could put money away starting now?
14. If you put $5000 in the stock market, how many years would it take you to triple your money if
the market is making 12% a year?
15. If the effective annual interest rate is 8.5% per year, what is the nominal annual interest rate
under monthly compounding?
16. If you put $10 away at the end of each month for the next 40 years at a 12% simple annual
interest rate, how much money would you end up with? What if you started at the beginning of each
month?
17. If you borrow $150,000 for a house at 8% simple annual interest rate for 15 years, what is your
monthly payment?
18. Referring to question 17, how much interest did you pay over the 15 years?
19. What is the value of a $10,000,000 lottery ticket paid out over 20 years if interest rates are at
6%, the average tax rate is 35%, and the odds of winning are 1/7,000,000?
20. How long would it take to accumulate $50,000 if you started putting $5 in the bank every day
starting at the end of today at simple annual interest rate of 7.3%?
21. How long would it take to accumulate $50,000 if you started putting $5 in the bank every month
starting now at a simple annual interest rate of 7.3%? What if you started at the end of each month?

Paper Money In The United States
The history of paper money in the United States is a fascinating topic. For much of history, money
itself was valuable, because it was made of gold or silver or another precious resource. In order to
use paper money, a government must have a way of backing it, or giving it a perceived value that
people can trust. One particular thing to consider in this broad topic is how this system affected
national debt. The government started this system to pay off debt, but in reality it only caused more
debt.
Before the Federal Reserve, banks operated much differently and private banks were allowed to
print money. Private bank notes were okay, but they were easy to counterfeit, did not have equal
values, and were not required to be taken as payment ("Abraham ... Show more content on
Helpwriting.net ...
To solve these problems the government took control of the economy and began issuing its own
money, and then, to give this money actual value, they made it legal tender ("Abraham Lincoln and
Civil War Finance."). Lincoln thought that although this change may have been unconstitutional, the
secession of the south was more unconstitutional and the money system was needed to restore unity.
Because the south had seceded, the southern representatives, who had been the main opposition to
governmental money, were gone and they could now pass legislation that allowed for this new
currency system ("Abraham Lincoln and Civil War Finance."). This new system allowed the
government to pay off $500 million in debt ("Abraham Lincoln and Civil War Finance."). The
bankers at the time resisted the change at first, but later accepted it as a good system ("Abraham
Lincoln and Civil War Finance."). However, after this original payoff of debt the debt went up
enormously "The History of U.S. Public Debt – The Civil War (1861–1865)."). This change was
from $65 million in 1860 to $1.1 billion in 1863, then $2.6 billion in 1865 ("The History of U.S.
Public Debt – The Civil War

The Money Of Money
Mark counted how much money he had to spend after paying for the renovations. $306.46 dollars
were left to spend on his magnificent wife. The trouble was though, he hadn't paid everyone off. He
was big into gambling on pretty much anything, poker, sports, even how far one could spit. He never
could fully pay off the multiple debts he had to people all across town. Nevertheless, he paid off
little by little the debt he owed, but always racked up more debt afterward. Margie wanted him to
give up gambling, or at least not lose so much money on it, but every week he'd lose some money to
his weekly poker game. After figuring out how much it would cost him to pay off some debts, he
figured he had about $50 dollars left. "That's not at all enough ... Show more content on
Helpwriting.net ...
As he started to leave, he put the watch on his arm as if the watch was begging to be put there. After
walking around town for a bit, he found the perfect pawn shop to sell his watch to. Johnny's Pawn
Shop was the name of the place, and although he owed money to some of the people that lingered
around here, he thought he might be able to get in and out quick enough without anyone seeing him.
He walked and looked around, seeing an impressive amount of signed guitars from famous
guitarists, Super Bowl rings, and signed baseball cards.
He walked up to the cashier, "Hey, welcome to Johnny's Pawn Shop. How may I help you?" Said the
cashier whose name tag had Bill written on it.
"I'm looking to sell this gold watch." Said Mark as he pulled out the watch from his pocket.
"Very impressive watch. Do you care if I see it?" Bill asked.
"Not at all, take a look." Said Mark as he handed Bill the watch.
"It seems a bit rusted, but can be fixed up quickly. Older parts, nice watch though. The strap seems a
bit torn up. So, I'll give you $300 dollars for it."
"I was looking more around $900 for it."
"I got to be honest with you, this watch is going to be difficult to sell, but I'll tell you what, You sell
it to me for $700 dollars, and I'll keep it for myself. How's that?"
"It sounds like you got yourself a deal." Mark replied as he shook Bill's hand.
"Pleasure doing business with you." Said Bill as he handed Mark the money.
Mark was pretty happy about that deal, especially now that

What Is Money? How Is It Created?
WHAT IS MONEY? HOW IS IT CREATED?
Orthodox and Heterodox economics both examine what money is. However, their views are
different and, historically, many controversies have existed around money; especially after the
global financial crisis. Orthodox economists view money as a medium of exchange that replaced
barter. They also view money as a store value; a derivative from the medium of exchange.
Heterodox economics support that money is a social unit of account, where credits and debts are
measured. They agree that money is a store of value, but because one's wealth is another one's debt.
With these views in mind their "origin" stories are told to help understand the function of money
from these two different perspectives.
In most Orthodox theory, money is not important by itself. Money is important as it is linked to
other variables that are of concern such as unemployment, economic growth or maybe inflation. We
cannot define money as the thing used because it changes over time. It used to be rocks, wives, gold
and now it is notes. Thus, we define money by its use. Money in the modern economy is a medium
of exchange that replaced barter; it is spendable at face value almost immediately and is what
lubricates the market mechanism. Money can also be a store value. This is a derivative of the money
as a medium of exchange. People hold money to purchase something later.
The orthodox view was, firstly, developed in the 1870s when economists were trying to identify the

Money In The Movie Fallujah
Money– money is currency used to purchase goods and services, in the movie the main characters
goal was the make as much money as they can from arms dealing.
Fiat money– Fait money is a form of currency that is not accepted because it can not be exchanged
for gold, in the movie the main character buys his friend a small gold–plated grenade to seal their
friendship. In the begging of the money the main character was selling out blankets.
Money supply– money supply is circulation of money outside the bank. In this money they create
money supply by selling weapons to over sea countries and fulfilling their needs.
Bank Notes– Bank notes simply refer to paper money, in the money the characters traveled through
the triangle of death also known as Fallujah. Fallujah is a city in Iraq known for having many
jihadists it was famous because of how the people fought against the Americans in Iraq war which is
now controlled by ISIS. The characters travel through to get the guns to the army general so they
can receive their payment in hard cash. ... Show more content on Helpwriting.net ...
Including currency in circulation outside the banks. Towards the end of the movie the main
characters get caught and forced to give up all their money, but an old friend of theirs comes along
and gives one of they black money, (can't be sent easily) to apologize for what he did.
M2– large measure of money supply takes place in this movie when the war dogs the heroes of the
movie decide to sell to Afghanistan one million rounds of AK–47 ammo to fight against the

Two Forms of Demand for Money
NOTES
Put simply the demand for money depends on how much money individuals are going to want to
hold. To determine how much money individuals are going to want to hold there are a plethora of
determinants that must be analyzed. Demand for money is broken down into two forms of demand,
transaction demand for money and portfolio demand for money (Cecchetti). These two forms of
demand are based on money as it is used to pay for goods and money as it is used as a store of value.
The econmony and the demand for money are always changing. In today's society more changes are
approaching now that Janet Yellen has become Chair of the Federal Reserve.
Transaction demand for money is the first form of demand. Transcation demand for money is
defined as demand for money realted to how much money a person needs in order to buy goods or
services (Harvey). The determinants of transaction demand for money are nominal income, the cost
of holding money, and the availability of other substitues. Nominal income is directly related to
consumer spending. The higher nominal income is the higher consumer spending will be. Demand
for money increases with consumer spending (Moffatt). The cost of holding money also affects the
demand for money. The cost of holding money is the interest a person does not earn because they
did not use their money to buy interest bearing bonds. Therefore, interest plays a huge part in the
demand for money. An expected rise in interest rates will cause the demand for

Currency Money For Digital Currency And Advantages Of...
From commodity money to digital currency & advantages and disadvantages of different forms of
money
1. Introduction
Throughout the history we can see different standards of values and structures of using money, for
example commodities (gold, silver, cooper, salt), paper money, credit card, mobile phone banking
services via SMS, Euro currency in 23 countries, Bitcoin or most latest Facebook Credits.
There was an interesting and very accurate assumption made by J. Surowiecki (2012), he wrote that
"Over the ages, money has become more abstract, virtual and digital". As we could see above, the
money developed from gold, paper money, credit card to virtual Bitcoin or Facebook Credits.
The first part of the essay will be focused on the ... Show more content on Helpwriting.net ...
There were some attempts to address the meaning of money, most of the definition include that
money is the medium of exchange, as it is the most important purpose of money. However, as
described by F. A Bradford (1932), because of using money as a medium of exchange it
consequently performs additional functions as it will be discussed later. Moreover, W. E. Mason
(1976) demonstrated in his work that the empirical definition of money has several flaws. For
example it is the confusion of concept and quantity of money, confusion of supply and demand, lack
of empirical evidence for empirical definition or the confusion of empirical verification with
hypothesization.
Definition of money according to F. A. Bradford (1932): "Money is anything which is devoted to
use primarily as a medium of exchange and which, because of this use, performs certain other useful
functions".
Definition of money by Professor Taylor (Cited in Money, 1932, p.3): "Money is something which
is especially designed for, and devoted to, serving as a medium of exchange or because of its being a
recognized medium of exchange or because of the nature of the substance from which it is made.
"Money is, in other words, a complete abstraction–one that we are all intimately familiar with but
whose growing complexity defies our comprehension."(J. Surowiecki, 2012)
The last definition of money was based on the Kublai Khan's believe, that money can have any kind
of form or can be

The Contribution Of The Creation Of Money Essay
The creation of money is possibly one of the greatest accomplishments of human civilization. Since
the beginning of humanity, individuals have used money as a way to pay for goods and services.
Over the years, money has been used in various forms and continuously changes to best fit modern
society. Our society no longer has to depend on gold coins, cocoa beans, or anything else of intrinsic
value that has been used in the past. In today's society, we use paper currency, which is fairly
convenient and easy to carry around with us. Over the past decade, our economy has experienced
tremendous changes due to the introduction of new cutting edge technologies. Millennials are
accustomed to a digital world and most likely will experience the transition from paper money to
digital money. The advancements in technology over the past several years has allowed consumers
the opportunity to buy and sell goods over a computer network known as the Internet. The internet is
a much more convenient way of shopping compared to fighting crowds of people at your local mall
during the holidays. We must start to prepare ourselves for the digital age of currency, an age in
which a small amount of our money will actually be tangible. Many individuals are concerned about
the privacy and security issues that may arise from the transition to digital currency. However, the
more research you do on digital payments, the more you will realize that it is very safe and efficient
when compared to paper money.

Money And Inequality In Society
Using examples from Block 1 describe what studying money can tell us about inequality.
This essay is going to address what money means and its relation to inequality in society.
Money has different meaning for different level of people. Some see money as food, shelter or a
roof on their top, however it means pleasure and enjoyment for wealthy group of society. Money has
an essential role in shaping societies, it enables the economy to grow and helps people to have better
health and education. Furthermore, money has direct relation to inequality. Inequality acers when
the wealth is unevenly distributed within the society, in other words the unequal distribution of
resources among the people, such as money, education, time and so on. The relationship between
money and inequality could be further explained from the findings of Michael Sandel's argument,
money in the form of debt in china, distribution, exchange and consumption of coffee.
According to Michael Sandel there are only a few things that money cannot buy. He claims that in
the past three decades it has been a quite transition, from a market economy to a market society.
Market economy leads the society towards an organized path whereas, the market society puts
everything up for sale, such as luxury prison cell where you can pay for a better, quitter and
equipped place to pass your sentenced period, education cash incentive for getting good grades or
reading books, private military which can be contracted by governments and sent to war, wealthy
people can hire top ranking solicitors to decrease their sentenced time or to get away from charge
whereas a poor man has to rely on government paid advocates and so on. this can be worrying for
the society as it teaches the wrong lesson, putting price on everything brings a huge gap between the
people, while everybody lives, shop, study and play in different places. Money shapes inequality all
over the world i,e debt in china. (The Open University, 2017)
Almost every country in the world have national debt, the national debt is barrowed by the
government from its own citizen, this money is used for development of the country. According to a
city developer in online module strands debt in china can be seen

Econ 370: Concept Of Money
Zachary Hansen
951412072
4/23/17
Econ 370 Midterm Essay 1 There is nothing as influential and powerful as the concept of money. As
a medium for exchange, money is value given or received in exchange for anything of value.
Because money stands in place for value, why is it that gold has been the scale for evaluating money
throughout history? Ted Cruz, in a Republican Presidential Debate, answered a question regarding
monetary policy. He thinks "the Fed should get out of the business of trying to juice our economy
and simply be focused on sound money and monetary stability, ideally tied to gold" (Cruz 2015).
Cruz aligns "sound money" to gold because gold stabilizes pricing and reduces inflation percentages
over the long run. The problem with ... Show more content on Helpwriting.net ...
A gold standard, when monitored conservatively, is beneficial to society when there are regulations
regarding the amount of metal in circulation. A government cannot print more money than its value
in gold. Thebalance.com claims that a gold standard "Provides a self–regulating and stabilizing
effect on the economy... that discourages inflation" (Amadeo, 2017). A government that limits the
amount of gold in its inventory will continue to maintain consistent prices and limit inflation. That is
important because if prices rise from the influx of gold, the value of money will drop and people
will not be able to afford the new prices. A gold standard does provide consistent prices if the
government monitors the supply of

Persuasive Essay On Saving Money
Saving money is an important part of your financial health. The more you save, the more you can
feel at ease whenever a rainy day might hit. You cannot predict the future but you can prepare for it.
If you prepare now, your future self will thank you. But how can you save if you have so many bills
and only one stream of income? Here are some tips you can use to rack up that account with a single
income.
Try to make a budget, it will be your blueprint for your finances. The first step for anyone wanting
to take control of their finances is to make a budget. A budget will allow you to understand where
your money is going and enable you to adjust your spending by designating how much you can
afford. Creating a budget is a good idea for everyone, but especially for individuals with limited
income. Write down your budget, with specific categories of spending, and stick to it. Start slowly
by using a percentage on how much you will save versus spend. A plan doesn't work unless you
work the plan.
Do not live a life that you cannot handle, spend within your means. Be honest with yourself, if you
can't afford something, don't buy it! Affordability is much more than the amount of money in your
bank account, it also is how long it will take for the money you spent to be back in your account.
Think of your finances as a long term process, not a short term fix. This is also why you should limit
your credit card usage. If you rack up your credit card and lose your sole source of income,

Money In The Great Gatsby
Money is an important factor for the majority of people on this earth, but why? People believe that
money can give a person power, authority, and anything that they want or need. Money can purchase
numerous things in the world but there is a limit to what it can buy. Sometimes people think that
money can buy success, friends, family, and even love. In upcoming generations, most people are
taught that they should always strive to get as much money as they can receive. Is that the only
importance in people's lives lately? What about the concept of having true happiness or having real
love with others? Unfortunately, money can't buy the true meanings of life. The Great Gatsby allows
readers to visualize how far money can make a person successful. ... Show more content on
Helpwriting.net ...
She was married to Mr. Tom and they both lived wealthy, lavish lives. People looked at their
relationship like they were perfect and happy, but were they truly happy? When Mr. Gatsby arrived
back in town, numerous things started to change. Many people didn't know that Daisy and Gatsby
had an old romance that was soon coming back to flames. Mr. Gatsby still loved Daisy for all the
right reasons, while on the other Daisy was looking for something else. She began to love Gatsby
for the things he can offer her, and that was the only way he knew how to show his feelings by
giving away his money. Daisy began to have an affair with her husband with Mr. Gatsby and didn't
have any remorse. As time went by, Daisy was becoming more and more intrigued by the wealth
that was given to her rather than the true love being offered. "She's got an indiscreet voice," I
remarked. "It's full of––" I hesitated. "Her voice is full of money," he said suddenly." (The Great
Gatsby, Chapter 7 103–106) Daisy gave most of her love towards money rather than to her husband
or Gatsby. Money didn't let her become successful because she lost the true meaning of love in her
marriage and she never could rekindle the true love between her and

Money Matters Syllabus
The person I chose to write a profile on is my Money Matters course teacher, Brian Bean. The thing
is he is not just a phenomenal teacher, but I trust he has invented one of the best math courses an
educator could teach before students enter the real world. The course he created and designed was
meant to prepare high school students to juggle the practical aspects of the real world in their daily
after they graduate. Brian created a unique problem–solving model that trained students on how to
breakdown a decision, identify the resources at their disposal, generate appropriate solutions, and
when necessary communicate effectively their conclusions and understandings. Ultimately, this
course is about finding out who you are, what your challenges will be, and what your path to success
will look like.
The motivation for this course he created was an actual a real life experience he ran into; he was a
victim of one of the worst things that could happen to just about anyone. Brian came upon a
company that advertised it would double his money if he invested money into their company. At the
time this company seemed very legitimate to ... Show more content on Helpwriting.net ...
His earnings were not a true profit. Brian was making way over six figures so he started purchasing
expensive material objects. He didn't think too much of it, well when the company quit answering
his calls things started getting weird. Brian started getting calls and mail from banks stating he owed
this much for these things, but Brian didn't have that kind of money so he started to panic and things
started to unravel. As he started to figure what this company really was he concluded that it was a
Ponzi scheme, once Brian gathered all of the information the guy that ran it was already down in
South America, living life with all the money he gained from the Ponzi scheme. By definition, a
Ponzi scheme is intended to persuade the public to place their money into a falsified stock or

Money and Banking
MONEY AND BANKING
CONTENTS
What is MONEY? 3
Characteristics of money 3
Measurements of money 4
Money and the economy 6
Relationship between Prices and Inflation 6
Why Money Supply Matters 7
Banking 8
General History 8
History in United States 8
Banking basics 9
Other Financial Institutions 9
International Banks 10
Structure of banking industry in U.S. 10
Interest Rates 11
Banking Business 11
Liquidity management by banks 11
Multiple Deposit Creation 14
Banking services 16
Summary 18
References 19
Banking Quiz 20
Learning Objectives
On successful completion of this lesson you will be able to:
Understand the role of money and its impact on the economy and measurement of money in an
economy. History of ... Show more content on Helpwriting.net ...
In addition, digital cash is much easier to transport than paper money because it is transferred
digitally. This makes transferring money across border a lot easier, which means money from illegal
sources (such as drug money) can be easily "transmitted" out of the country.
Measurements of money

Money is considered an important determinant of the condition of the economy of a country. In the
eye of the federal government, there is a broader measure of what money is in the U.S and in other
parts of the world imply.
There are 3 general measures of money used by the U.S. government (or more specifically the
Federal Reserve System): M1, M2 and M3. These are often referred to in the context of inflation,
recession and interest rate changes.
I'm sure it sounds familiar. Allan Greenspan's, the US Treasury Secretary's, announcements on
changes in the Fed interest rate during the last two years is now well known felt even in India.
(i) M1
M1 is the narrowest measure of money. It includes the following items:
Note: 1. Traveler's checks issued by banks are grouped under demand deposits. 2. Some examples of
interest bearing checking accounts are NOW (negotiable order of withdrawal), ATS (automatic
transfer from savings), and credit union share drafts.
M1 is considered by the Federal Reserve as transaction balances. In other words, they are perfectly

Fiat Money Explained
Fiat Money Explained
Fiat money is money that a government declares is legal tender. Fiat refers to the government order.
It's from the Latin, like so many of our legal words, and it means "let it be done."
The government looks at the notion that paper bills can be legal tender, and says, "let it be done."
Gold–backed money, also known as hard currency, is money that can be converted to actual gold. It
used to be this way. Your dollar was as good as gold. On August 15, 1971, the United States decreed
that the US dollar would not be gold backed. President Richard Nixon said, "let it be done" and
American dollars became a fiat currency.
Most, if not all countries, now use fiat currency. Money is not backed by any commodity. When a
monetary system is based on commodity money, the money in circulation can be backed up by the
commodity. ... Show more content on Helpwriting.net ...
It was based on the shekel. The shekel weight measurement was the equivalent of 0.497 ounces or
14.1 grams.
The way it worked was 0.497 ounces of barley wheat was a shekel of wheat so a coin would be
minted of the equivalent amount of silver, gold, lead, copper, tin, or bronze or some other precious
metal. That coin was called a shekel. It's a lot easier to carry around a few coins rather a hundred
pounds of wheat.
That was then. Now we use fiat money or non–commodity money which is just another way of
saying, money not backed by gold or any other commodity. So the big question is, how is our
money valued?
It's based on supply and demand. Because of this, there is the chance of hyperinflation making fiat
money worthless. There is a story about the little boy who came home with a puppy and told his
mother that it cost him $40,000. It was a very valuable puppy.
"Where did you get that kind of money?" his mother

Definition of Money and Its Uses
An Analysis of Money and How it Works
For a definition of money and where it comes from, one could turn to the United States Constitution,
Article 1, Section 8, which states that "the Congress shall have the Power to coin Money, regulate
the Value thereof, and fix the standards of weights and measures." But if such a definition fails to get
to the heart of what money is, one could turn to Adam Smith, author of Wealth of Nations, who
wrote that "money has become in all civilized nations the universal instrument of commerce, by the
intervention of which goods of all kinds are bought and sold, or exchanged for one another" (44). In
other words, in Adam Smith's time, money represented the value of labor or commodity. Today, a
definition of money is not so simple. The creation of money "out of thin air" (Paul End the Fed 150),
or fiat currency, and the monetization of debt, have all changed the way we think of money. Today,
paper money is no longer tied to the precious metals it once represented. Inflationary practices have
resulted in a steady decline in the value of paper money around the world. This essay will analyze
the nature of money and how it works.
In a large market economy where the division of labor has been established, men must live by
exchanging produce. To illustrate how money works, Adam Smith gives the example of two
barterers, one of whom has something the other would like, but the other of whom has nothing of
value to give in exchange. Money becomes the

Bank : Kiting And Money Laundering
Bank: Kiting & Money laundering Banks could become victim to kiting. Kiting can occur within a
bank because criminals will open multiple accounts within multiple organizations in order to
commit kiting, and bank employees are not aware the criminal has already opened multiple
accounts. Banks also fall victim, as they do not detect kiting taking place until it is too late and the
high dollar checks come back as insufficient funds. Banks are able to prevent kiting from occurring
by placing a hold on checks over a certain dollar amount. This will ensure the funds are legit and
valid. Banks are also able to watch for multiple check deposits and checks written with the same
dollar amount. In addition, banks can require a bank officer's approval on any drawings against
uncollected funds, overdrafts, or wire transfers, they also should perform daily reporting of all drafts
against uncollected funds. Kiting can be deterred, however banks must ensure they have the proper
internal controls in place to ensure they do not fall victim to kiting.
Banks are susceptible to money laundering within the organization. Banks are an easy target for
money laundering because criminals or drug cartel can pay off bank employees or personnel in order
to run their money through the bank. Criminals also have the ability to purchase a controlling
interest in a bank, especially those banks with weak controls. This allows the criminals to move
money through the bank without being questioned.

Speech On Save Money
Introduction
I. I would like to start my speech by telling all of you a story that I read from Forbes website, about
a woman named Poppy Wyatt.
A. She works as a bank clerk for years until one day, she lost her job. Her income become unstable
for the first time in her life and Poppy needs to cut back her spending because there is no saving in
her bank account. Poppy also do not have any family members or friends to borrow any money. She
starved herself because she didn't even have a single cent to buy food and has to walk from one
place to another searching for a job. Imagine if you are in Poppy's place, what would you do?
II. I never believed that saving money is crucial until I came across this story.
III. After doing extensive reading ... Show more content on Helpwriting.net ...
They are several of ways to save money in a smart way.
A. Make a saving account.
1. The bank pays interest to you when you keep your money with them.
a. Therefore, you must choose the bank wisely when you want to open a saving account.
i. Make a comparison which bank offers the highest interest when you deposit and keep your money
into the saving account.
b. Saving money in bank will not only keep it safe but it will also prevent you from spending all of
your money because some of your money will transferred automatically into your saving account
when you got your pay check every month.
i. But, you must remember to give instruction to the bankers to deduct a specific amount of your
salary into your saving account.
c. Teachers Insurance and Annuity Association of America says that, at least 20% of your income
should goes to the saving.
B. Don't own any credit card once you have started working.
1. Based on a study conducted by Dunn & Bradstreet, people who use credit cards pay 15% more
than those who pay with cash when spending.
a. In average, customers of McDonald's spend 56% more on food when they pay with a credit card
instead of paying with

Money Demand
CHAPTER 16
THE DEMAND FOR MONEY
Chapter Outline
The Components of the Money Stock Financial Innovation The Functions of Money The Demand
for Money: Theory Transactions Demand The Precautionary Motive The Speculative Demand for
Money Empirical Results for M2 Demand The Income Velocity of Money Working With Data
Changes from the Previous Edition
The material in this chapter has been updated, but the basic organization has not changed.
Learning Objectives
Students should be able to identify the different functions of money. Students should be familiar
with the concept of money illusion. Students should be able to identify the different monetary ...
Show more content on Helpwriting.net ...
But the question of how stable money demand actually is provides a crucial element in the
discussion of how monetary stabilization policy should be employed. A stable money demand
function would provide the Bank of Canada with a good guide for making decisions on how fast to
expand money supply in order to hit its inflation targets while supporting a desired growth path of
GDP. A stable demand function also provides the opportunity for management of the money supply
through short–run interest rate control policy. The theory of money demand generally is built around
the tradeoff between the benefits and costs of holding money. Keynes originally proposed three
basic motives underlying the demand for money:
transaction demand, which is the demand for money to make regular payments, precautionary
demand, which is the demand for money to meet unforeseen payments, and speculative demand,
which is the demand for money to avoid capital losses from holding less liquid assets as interest
rates rise.
In deciding how much money to hold for transactions, people are primarily concerned with

weighing the inconvenience that results from holding too little money for making regular payments
against the interest loss that results from holding too much. This dilemma is addressed by the

Tension in Witch's Money Essay
Tension in Witch's Money
In John Collier's "Witch's Money," the stranger who suddenly appears in a remote mountain village
in Spain is initially seen by Foiral as an unwelcome madman. Certainly his surrealist description of
the landscape must seem a symptom of insanity to one unfamiliar with the trends of modern art.
Once he offers a nice sum of money to buy Foiral's house, however, the stranger is treated with a
new attitude. He is still not completely accepted by the community that he has moved into, but he
does wield a new type of power simply because only he can produce cash from paper billets. With
his magic cheques, though, the stranger creates a tension that grows into an economic struggle
between himself and his community. ... Show more content on Helpwriting.net ...
This knowledge of cheques that the stranger has over Foiral and the community increases the
tension between them. When Foiral finally receives his money from the cheque, he is under the
impression that all cheques give thirty thousand francs. Knowing that the stranger has a whole book
of cheques, Foiral and his friends immediately feel jealous of the outsider: he has something that
they want. A stranger –– a madman –– who has more than any member of the community, has
invaded their town. Because he has so much and they so little, the villagers feel that it is their right
to take the stranger's magic cheques . . . even if, in the process, they must take his life as well.
Ironically, tragically, their righteous ambition leads to their own destruction.
With the stranger dead, the people of the community help themselves to his cheques. Money begins
to exchange hands as goods are bought and deals are made. The progress of economic development
comes to the village. No one is afraid to dig up the money that they have saved because as soon as
the cheques are cashed there will be no worries, and the town can continue to "prosper." But as
every man meditates on their "two of these excellent billets," they begin to feel that "they were too
rich to speak to each other" (71, 72). Conflict grows between one–time friends as they argue over
what is to be bought and sold. Greed has come to town with the artist and his witch's money.
Only one

Definition Essay About Money
Money. A word used worldwide,yet if you asked people from around the world they might have
different thought on the effects of money and the feelings they have about it. Even if you take a
single family from one place the chances are they all think differently about money. Some crave it
just to have it, some want and need it to survive, and most want to make it to keep their family safe
and happy. When someone mentions the words poor, middle class, or wealthy people think about
money and they would be right that money is a big part of the people who's these terms are
associated with,but as they say money isn't everything... well at least to most people.
Most people can't "properly" define the words poor, middle class, or wealthy; as I find

Bitcoin : Is Bitcoin Money?
Is Bitcoin Money?
Cryptocurrencies, are digital assets that are secured by means of cryptography. These forms of
virtual currencies have been around since the late eighties (Grigg, n.d., par. 2) with more than 600
traded cryptocurrencies on the market today (Coinmarketcap.com, n.d.). Of these, Bitcoin in the
largest (White, 2015) and most widely traded. Unlike traditional money that is controlled by a
central bank and backed by a government, Bitcoin is transferred from person to person through
peer–to–peer interface. There is no intermediary required such as with Visa; rather Bitcoin can be
transferred from person to person.
Unlike fiat money, it cannot be artificially inflated because the Bitcoin code is written in such a way
that it halves every four years on a set schedule until 2140, guaranteeing that a set amount of
Bitcoins, 21 million, will ever be harvested. The genius of Bitcoin lies in its programming with open
source code on a public ledger where every transaction is simultaneously anonymous and public.
This anonymity creates an untraceable transaction while at the same time allowing users to vet the
system and verify transactions. By doing this it avoids the problem of "double spending" and
counterfeiting which has inspired trust in its users.
Despite these advantages, in order for a currency to be viable, and be considered "money" it must
satisfy several functions: "It must be a medium of exchange; it must serve as a store of value; it must
serve as a

Should America Spend Money?
The United States loves to spend money. America spend so much money that it has collected into a
major debt. Is there a way to start off saving money? Can American really hit a turn and start to
recognize that printing money will not solve any of the health care problems? If only health care
found a way to save money.
There are many ideas to save money however, one must start small. America may never be able to
get out of the 16 trillion–dollar debt, but we can always try. In America there are 5,627 registered
hospitals (American Hospital Association). America should have a set limit into how many clinics
there should be in certain parts regions. For example, there should not be five pediatrician clinics on
the same road. There are many babies and children in America, but spacing the pediatrician clinics
into specific areas will allow the people to have a clinic close to where they live. This will result to
less money on constructing new clinics and save the money towards the debt.
Another way hospitals and clinics save money is to turn green. Hospitals uses thousands of papers.
In the Lakeland Regional Medical Center prints off papers that say what they found and what to do
at home. They also print off prescription if the patient desire so. By using recycled paper, the
hospital will not cause harm to the little trees we have in America. Americans need clean air,
because once the trees are gone, so will the clean air. The hospitals and clinics can use less
electricity by

Money In The Great Gatsby
Has money always been the easy way out? Money has been used to get out of a lout of troubles and
worries. There was a time in the world where money was expressed as the greatest pleasure. The
only way you was recognized was if you had money. The form of money that could buy a variety of
objects. Money can only mean certain things to certain people.
Money has always been "special" to certain people. Whether it was money to buy food, or money to
buy a brand new mansion. In the Great Gatsby, F. Scott Fitzgerald is trying to say that James Gatz
was using his "money" to impress Daisy. James Gatz tried showing off his money by showing Daisy
what he purchased over the years to impress her. Money can only have meanings for those who
make more dispute

Persuasive Essay On Spending Money
According to GoBankingRates.com, almost 57% of Americans say they have less than $1,000 in
their savings account, while 39% say they have no money into a savings account. Also, a survey by
BankRate relieved that almost 60% of Americans wouldn't be able to pay for a $500 expense
because they don't have enough saves. I will ensure that I will have more than $1,000 in my savings
account when I get older by understanding that decisions I make now will impact my lifestyle
drastically and that it is smarter to save and then spend when needed instead of being in growing
debt. When I'm older I will have a structured savings plan, so I can ensure that I will have enough
wealth to live off of and enough money to cover any unexpected expenses or debts that I may have.
As a teenager, I can invest my money, and save as much money as I can before I'm older. I can do
this by not spending money on things that I know will not benefit me long–term, and by trying to
earn money from various sources such as my parent or family and different jobs.
A study by COUNTRY Financial shows that 36% of Americans would rather be concerned with
paying for their next vacation then have good retirement savings. Americans are more concerned
with paying for their vacations than saving enough for retirement because we would rather spend
and live a lavish life now than being smart with our money and saving it for retirement or when we
might need it. When I retire I want to have enough money to be able to travel

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