Bond Fundamentals – Monetary Policy and Fiscal Policy

It’s the Federal Reserve Bank that influences the money supply. Three tools are used to implement monetary policy:

  1. Open Market Operations
  2. Discount Rates
  3. Reserve Requirements

Since open market operations is the tool used most, we will cover it. Here’s how it works: When the economy is growing too fast and the Fed is worried about the inflation rate, it will sell government securities from its portfolio to the open market. This decreases bank reserves, which means the money supply decreases. When there are less bank and businesses have to pay the bank more in order to borrow. This discourages consumers and businesses from borrowing. Less borrowing means less spending, which slows the economy and eventually can reduce price pressures.

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Education – University Degree

With the escalating cost of higher education, many people have begun to question the value of pursuing a college degree. The struggle to earn a living and attain valuable knowledge to increase future earning potential is a dilemma for many folks. However, research has revealed that the rate of return on the investment to earn a university degree for both the individual and society over the long run is over 118% on average.

According to the U.S. Census Bureau, the holder of a university degree can earn over one million dollars in extra income over the course of their lifetime. One million dollars is a significant sum of money considering the cost involved in investing in a university degree ( On average US $35,196). Knowing that a person who holds a university degree may earn one million dollars more in their lifetime supports the concept that higher education is a worthwhile investment. There are many other verifiable reasons to support going to college to earn a university degree, such as:

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Computer Education Schools Teach Essential Knowledge

Just imagine what our world would be like without computers! It’s a fact that a solid Computer Education is essential in today’s modern world. A Computer Education helps to prepare business professionals to perform at their peak, as nearly every aspect of commerce and business now rely heavily computers. Computer Education Schools can provide knowledge that is vital to conducting business, or just functioning day-to-day in our modern society.

Computer Education means gaining a thorough education in the use of computer technologies that affect us in all aspects of our daily life. Students are given the hands-on computer experience, knowledge, and skills that can qualify graduates for careers in business, education, commerce, mechanics, technology, healthcare, and nearly every other field. As well as being an important tool of business, computers have become an important part of the home office, making Computer Education essential for managing personal finance, paying bills, and other household chores.

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