Week 3 Discussion Questions Essay Example | Topics and Well Written Essays - 500 words - 3

Week 3 Discussion Questions - Essay Example For lenders, an adjustable rate mortgage is more beneficial if the current interest rates are high, because interest rates are likely to return to lower rates in the future. On the other hand, when interest rates are low, fixed mortgages are particularly advisable for home buyers as they have been in the past year. For example, the United States Federal Reserve in December 2008 slashed interest rates to their lowest level on record in an unprecedented attempt to combat a prolonged recession (Pykett, 2008). Hence, it is favourable for home buyers at this time to consider a fixed rate mortgage, as they are able to lock in to a favourable rate. I consider the Federal Reserve Bank an institution in a dilemma, because its goals frequently conflict. For example, should the monetary policy implemented by the Federal Reserve Bank give priority to price stability or to full employment? Although price stability can help achieve optimal sustainable output growth and employment over the longer term, a move to restrain inflation would further aggravate slowdown in the economy (Mankiw, 2003). On the other hand, a bid to combat unemployment would aggravate inflation. In such situations, the Federal Reserve Bank is in a dilemma and must determine whether to concentrate on battling increasing prices or on supporting the loss of employment and output. 3. Explain the impact current Federal Reserve Banks policy is having on your 1) personal decisions and 2) the decisions of your organization. Provide at least one example. (I work in the meat processing industry) The Federal Reserve Bank determines the federal funds rate at a level it believes will promote financial and monetary conditions consistent with attaining its monetary policy objectives, and it adjusts that goal in line with evolving economic conditions. An alteration in the

Population Changes and its Effect on Adult Education Research Paper

Population Changes and its Effect on Adult Education - Research Paper Example This specifically has become its advantage in the international trade considering that many multinational companies want to invest in China for profit maximization in particular. However, in some parts of the world, the increase of population has become a considerable problem of the government. In the case of developing countries, many people could not afford to go to school and get their degree due to the incapacity of the government to set enough budgets for free education for all. There are specifically many issues and these include socioeconomic factors that need to be faced. Maintaining a quality life in the case of highly populated nation has become a struggle especially in developing countries (Glewwe & Kremer, 2006). On the contrary, this may not be a great deal of problem in highly developed countries knowing that the government can afford to subsidize public education. However, in the case of highly populated countries, private institutions for education have become the sta ndard for quality education. Thus, these sectors are ensuring that their service is a cut above the other. This is their specific strategic move in order to entice students with their standard quality service in obtaining higher degree especially in adult education. The impact of population change on education Clearly, population change has become a considerable factor on how the system of education has been structured (Blanden & Machin, 2010; Climent, 2008). For instance, in Australia, there is a strong effort to promote standard and quality education amidst the rapidly increasing population. This has become its central focus considering that its economic standing in the world is so far one of the most great in contemporary time. The point of the country is to ensure that adult education has to be of high quality considering that the there is corresponding increase in population. However, in contrast, education in Africa for instance is remarkably poor knowing that there are other important issues that need to be addressed aside from it. There are other social issues that may be tied up to economic considerations. Food in Africa has become far more important than obtaining a degree. In line with this, it is clear enough that the country needs to focus on the problem from the basic point of view which particularly would involve population control. This example may be contrasting, but it is evident that the level of focus given on education can be influenced by population change. In the Philippines for instance, the country is currently debating on reproductive health bill. The current president of the country is very clear about its stand on the major impacts of population increase. This is the reason that he is strong in his stand for reproductive control issues. There is a need to certainly reduce the number of children that a family should have due to current status of the country. In fact, the current situation of the country is a concrete example how educ ation is compromised by high population. The government could not totally support the need of students for higher education due to high budget. The country has to allocate other budget. Thus, there are remarkable budgetary constraints. There are state universities in the country but there is always deficit on budget leading to poor educational