This document defines inflation as an increase in the average price level of all products in an economy. It discusses how economists measure inflation using tools like the Consumer Price Index (CPI) and Producer Price Index (PPI). The CPI specifically tracks the prices of goods in a market basket and is used to calculate inflation rates. Causes of inflation include increases in aggregate demand and costs, as well as growth in the money supply. Effects of inflation are a decrease in purchasing power, the value of real wages, and savings.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
1. Inflation
Inflation—An increase in the average
price level of all products in an
economy.
– Ex. 2018 2019
Bread = $3.00 $3.05
Automobiles= $20,000 $21,000
Wages = $16.00/Hour $ 16.31/Hour
2% is considered normal
2. Measuring Inflation
Measuring Inflation—when
economists measure the changes in
the average price level of
goods/services in nation.
The two measuring tools that
economists use are
1) CPI (Consumer Price Index)
2) PPI (Producer Price Index)
3. Measuring Inflation
Consumer Price Index (CPI)—is a
measure of the average change over time in
the price of a fixed group of products.
– Reported monthly
– Reported against a fixed period (or base) time
period—currently 1982-1984.
– Market basket—representative sample of
consumer goods. Food, clothing, housing,
utilities, entertainment, transportation, health
care. Measured each month in $.
– How much did it change? = CPI
4. Measuring Inflation
Calculating CPI
CPI = weighted current price x 100
weighted base period price
Example = $3.00 (loaf of bread in 2017) X 100
$1.32 (loaf of bread in 1983)
CPI 2017 = 227.3
Or
Access this link from the BLS (U.S. Bureau of
Labor Statistics
CPI Inflation Calculator
5. Inflation Rate
Inflation Rate—the monthly or yearly
% change in prices.
– The CPI is a tool that is used to calculate
Ex.Inflation rate= (CPI year A – CPI year B) x 100
CPI year B
Ex.Inflation Rate 145 – 140 x 100 = 3.57
140
Inflation Rate 3.57%
6. Inflation Rate
Core Inflation Rate – The inflation rate
excluding effects of food and energy prices.
Question: Why take it out?
Answer: Is a better indicator of long term
inflation because it takes out products that
frequently experience volatile price changes
due to foreign government and business
decisions as well as unexpected short term
crisises (i.e. drought, hurricane).
7. Measuring Inflation
Hyperinflation—is the worst kind of
inflation; it is a situation where inflation is
increasing at a rate of several hundred %
per year.
– Germany after WW 1; Germany printed more
money and by 1923, it took 4.2 trillion marks to
equal $1!!!! Check out this link for more
information on this history making event!
Hyperinflation in Germany 1923
8. Measuring Inflation
Producer Price Index (PPI)—is a
measure of the average change over
time in the prices of goods and
services bought by producers.
– Prices are based on some 3,200 different
products.
– The current base year is 1982.
9. Causes of Inflation
1. Changes in Aggregate Demand—
changes in the total amount of
spending by individuals and businesses
throughout the economy.
– Demand Pull Inflation—When aggregate
demand increases faster than the
economy can produce the goods.
The demand increases and “pulls” along
higher prices because demand is increasing
faster than supply! (More people are chasing
the same amount of goods; therefore people
can charge more for their goods).
10. Causes of Inflation
2. Changes in Aggregate Supply— changes
in the total amount of goods and services
produced throughout the economy.
Cost Push Inflation—When producers
raise prices to cover higher resources costs.
– Producers must raise prices in order to cover
their higher costs.
– If they do not do this, then their profits are
reduced or even eliminated!
– Must be careful not to raise prices too high.
11. Causes of Inflation
Example-
1)If there is low unemployment (such as in expansion or
peak), companies must offer higher wages to attract
workers to their open positions and to keep their own
workers from looking elsewhere.
2)However, this increases companies’ costs. Therefore
the must raise the price of their products to keep there
profits up.
3) If prices are higher across most products (inflation),
then employers must raise wages again so that their
employees’ wages buy as much as it did the year
before.
4) But wait…the companies’ costs went up again so they
raise the price of their products again.
5) And this continues on and on in an effect known as
The Wage-Price Spiral
12. Causes of Inflation
3. Growth of the Money Supply
As more dollars enter the money supply
in the U.S., the value of that dollar or it’s
purchasing power (the amount it can buy)
is less. So to keep prices “stable”, the
money supply should increase at the
same rate as the economy is growing.
- Note - There are more ways to increase the
money supply than just printing new
money.
13. Effects of Inflation
Inflation causes changes in:
– The purchasing power of the $
– The value of real wages
– Interest rates
– Saving and investing
– Production costs
14. Effects on Purchasing
Power
Decreased Purchasing Power—
– The decreasing value of the dollar falls
and it buys less “stuff”.
– It hurts people on fixed incomes
(retirees).
– Many labor contracts have built in (COLA)
15. Effects on Income
Decreased Value of Real Wages—
when the value of workers wages fail
to keep pace with rising prices.
– $20,000 per year in 1979
– $40,000 per year today
– Adjusted for inflation = the same $ today.
16. Effects on Interest
Rates
Increased Interest Rates— High unexpected rates
of inflation cause banks to raise interest rates. High
interest rates can decrease consumer and business
spending. Ex. Cars, houses etc.
Decreased Saving and Investing—Ex. Bank yield
on savings 5% and inflation rate of 7%. Net loss of
2% per year! Inflation hurts savers, lenders.
(however, it helps borrowers and debtors
occassionally)
Increased Production Costs—Inflation increases
businesses costs of production.
17. Inflation
Deflation—A decrease in the average
price level of all goods and services in
an economy.
– Note: Aggregate demand decreases
more rapidly than aggregate supply.(Less
people are chasing the same amount of
goods and services).
Ex. The Great Depression