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? My English writing experience English is global essay opening not my native language, but it was always . my dream to be fluent in it. Essay On The Stamp Act Congress! I first started to learn it when I was in elementary school in Russia. Warming Essay Opening! At that time we never had to write essays, we only studied the letters, numbers and small vocabulary. Later in the high school I learned descriptive topics and was able to tell and write in English about myself, my family, my country and my hobby. The most of my knowledge came from Negotiation, my college, where English was my second. Better , Communication , Creative writing 696 Words | 3 Pages. Outline I. Global Opening! My family life a. Growing up as a child b. Single life c. Married life II. Types of introduction essay should include jobs a. Global Warming! U.S. Navy . b. AutoCAD designer c. Thematic Us History 2013! Management d. Customer Service e. Dispatcher III. Educational background a. Southwestern High School b. Warming! ITT Technical Institute c. Wayne State University d. Schoolcraft e. Ap World History Dbq Essay Requirements! Park University f. Ashford University IV. What are my personal, professional, amp; academic goals? a. Set.

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The credit crunch of Negotiation analysis, 2008 hit the UK economy hard because it was more reliant on the financial sector than most other economies. Other potential causes of a run on the Pound. High inflation - high inflation reduces the value of Pound Sterling. Foreign investors will be nervous of holding UK assets if the UK has high inflation. Threat of sovereign debt default . If markets feel government borrowing is global warming essay opening, too high and introduction essay should include unsustainable then there is a risk of foreigners losing their government bonds. Warming! Therefore, the market will sell bonds causing an outflow of thesis sections, foreign currency and fall in value of sterling. This can build up a momentum effect. As the fall in the currency can alarm other investors.

Large current account deficit. A large current account deficit implies we rely on capital flows to finance the current account deficit. Therefore, the UK would be more vulnerable to capital flight. In this circumstance a run on the Pound would be stronger. However, the global essay opening, UK has run a persistent current account deficit since the 1980s. (See: Current account deficit)

Is the analysis, UK at risk from warming essay a Run on the Pound? Would membership of Euro protect against a run on the Pound? Link between inflation and interest rates. Interest rates can influence the ap world requirements, rate of inflation and the rate of economic growth. The Bank of global, England change the 'base' interest rate to try and target the government's inflation rate of 2% +/-1 Generally, an analysis, increase in inflation leads to higher interest rates.

A fall in the inflation rate and lower growth leads to essay opening lower interest rates. Graph Showing Inflation and Interest Rates in the UK. Real Interest Rates. Typically, nominal interest rates are 1 - 2 % higher than inflation. When interest rates are higher than inflation, it means savers are protected against a classification the effects of inflation.

However, in warming opening 2008 and 2011, we had a period of negative real interest rates. This meant the inflation rate was higher than the base rate. A negative real interest rate is bad news for savers, but good news for borrowers. Response to Rising Inflation. If inflation rises, generally, the Bank of England increases interest rates to reduce inflationary pressure.

Higher interest rates tend to reduce consumer spending. This is because homeowners see an the refrigerator, increase in global essay opening the cost of their mortgage payments and have less disposable income. Therefore, they spend less. Us History June 2013! Also, higher interest rates increase the incentive to save and reduce the incentive to borrow. Therefore, an increase in interest rates tends to reduce the rate of economic growth and opening prevent inflationary pressures. See more on: Effects of Higher interest rates on economy Response to Fall in Inflation Rate. Lower interest rates increase motivation to borrow Lower interest rates mean cheaper mortgage payments and increase disposable income. Why A Cut in Interest Rates May Not Work.

The recession was so sharp that investment and consumption have fallen dramatically and so the cuts in interest rates have only the refrigerator a classification essay mitigated the extent of the downturn House Price falls provide a powerful negative impact on spending. Lower interest rates should boost spending. But, with house prices falling 20% since the peak, this has reduced consumer wealth and therefore reduced spending. Global downturn. Even sharp depreciation has been unable to boost export growth because of the extent of the economic downturn. Time Lags. A cut in interest rates can take a long time to have an global warming essay opening, effect. For example, people with a two-year fixed rate mortgage won't notice for quite a long time. (until they re-mortgage.

Also, commercial banks may be reluctant to pass the interest rate cut onto consumers. In some circumstances, the Central Bank may not increase interest rates, despite an increase in inflation. For example, in 2008 and 2011, we had a rise in inflation to 5%, but, the june, Central Bank kept interest rates low. Why? They kept interest rates low because: They felt inflation was just due to global opening temporary cost-push factors like higher taxes and volatile food prices increasing They felt economy was at risk of inflation. Therefore, it was more important to tolerate a temporarily higher inflation rate, than increase interest rates and push the economy back into recession. Related. UK Exchange Rate Mechanism Crisis 1992. In October 1990, the UK made the decision to join the Exchange Rate Mechanism (ERM)

The ERM was a semi-fixed exchange rate mechanism. The value of the Pound was supposed to be kept at a certain level against the DM. Keep inflation low Provide stability for exporters encouraging trade Enable countries to join the single currency - the essay, Euro. In the global, late 1980s, the introduction, chancellor, Nigel Lawson was keen to warming essay opening join the ERM. But, Mrs Thatcher with her euro-sceptic views wanted to stay out. The late 1980s saw an extraordinary economic boom - boosted by booming house prices, tax cuts and low interest rates.

Growth reached record levels of 5-6% a year. Enthusiastic government ministers talked of an economic miracle - hoping Government policies had enabled, at long last, to catch up with other countries like Germany. However, this miracle was an the refrigerator a classification, illusion. High growth was unsustainable and led to warming inflation.(see: Lawson Boom) With inflation of 10%, Nigel Lawson was able to history dbq essay convince Mrs Thatcher that the UK would benefit from joining the ERM to help reduce inflation. Therefore, the UK joined in October 1990. at a rate of DM 2.95 to the Pound. Increasing interest rates - this attracts hot money flows - it is more attractive to save in UK with high interest rates. Global Warming Essay! Buying pounds with foreign exchange reserves. However, these policies of protecting the value of the Pound was causing a serious economic downturn. High interest rates particularly hit the housing market.

With rising house prices, many had taken out large mortgages to get on the property ladder. But, now interest rates were increasing, mortgage repayments became unaffordable and default rates increased. Combined with rising unemployment from the recession, the housing market saw a dramatic fall in prices that was to last 4 years. It was increasingly clear to the financial markets that the Pound was overvalued. The government was exhausting its foreign currency reserves in buying pounds. But, more problematically, the high interest rates was causing a serious recession and misery for homeowners. For a long time, the British government fought a losing battle. But, the foreign currency reserves of the British government were no match for the trillions of Pound Sterling traded on the foreign currency and the pound kept sliding. It is estimated that the Treasury used ?27 billion of foreign currency reserves trying to thematic essay us history june 2013 prop up the Pound. The Treasury estimated the final cost to the taxpayer was estimated at essay opening, ?3.4 billion.

An overvalued currency can lead to essay should lower economic growth, due to uncompetitive exports. Trying to keep currency at a level which is global warming essay, too high, may require high real interest rates - which can cause economic downturn. It is the refrigerator, hard to buck the market. Even government intervention on foreign currency markets is not sufficient to prevent depreciation if this is what reflects market fundamentals. A devaluation of the currency can be beneficial for the economy - under certain circumstances. This devaluation did not cause significant inflation, because the economy was depressed. UK Recession of global warming essay, 1991-92 UK devaluation of 1967 - many similarities UK Economic history Factors influencing exchange rate UK Crashes out of ERM in 1992 at BBC Unemployment is thematic us history 2013, A Price well Worth Paying for lower inflation - Norman Lamont commenting on his own policies. European harmony - European Union countries are no longer at loggerheads like they were in warming opening the past.

With the exception of civil war in Yugoslavia (which wasn't in the EU at the time), Europe has managed to heal the divisions which were so painfully exposed in the two World Wars in the refrigerator a classification the Twentieth Century. The EU was awarded the Nobel Peace Prize in 2012 for helping to global opening promote peace and international co-operation. Many Eastern European countries are keen to join the EU because they feel it will help promote economic and introduction include political stability. Warming Opening! Legal and human rights. The EU has a strong commitment to human rights, preventing discrimination and the due process of law. This makes the us history 2013, EU attractive to countries, such as the Ukraine who wish to share in similar legal and human rights. Prospect of membership has helped modernise countries, such as Turkey. The Copenhagen Criteria for EU membership enshrine a commitment to human rights, the rule of law and a market economy.

The prospect of gaining membership of the EU, encourage countries to implement human rights legislation. Economic benefits. EU is one of strongest economic areas in the world. With 500 million people, it has 7.3% of the world's population but accounts for 23% of opening, nominal global GDP. Free trade and removal of non-tariff barriers have helped reduce costs and analysis prices for consumers. Increased trade with the EU creates jobs and higher income. Essay! Over 52% of UK exports are to the EU.

Trade within the ap world requirements, EU has increased 30% since 1992. According to one study - over ten years (1993-2003), the Single Market has boosted the EUs GDP by 877 billion [?588 billion]. This represents 5,700 [?3,819] of extra income per household. A paper, Campos, Coricelli, and Moretti (2014) used the synthetic counterfactuals method (SCM) pioneered by Abadie and Gardeazabal (2003). The red dotted line shows estimated GDP if the country had not been a member of the EU. This shows that even more prosperous EU countries, such as the UK have benefited from higher GDP as a result of being in the EU. Free movement of labour and warming opening capital have helped create a more flexible economy. Ap World History Dbq Essay! For example, UK and Ireland have benefited from the warming, immigration of Eastern European workers to fill labour market shortages in certain areas, such as plumbing, nursing and cleaning. Far from numbering 'taking jobs', migration has helped increase productive capacity and makes a net contribution to global warming opening tax revenues. (see impact of net migration) Free movement of labour also enables British people to live and work in Europe.

Roughly 1.6 million British citizens live in the EU outside the UK ( UNCTAD World Investment Report 2010 ) EU migrants are net contributors to UK Treasury. EU migrants tend to be young. Therefore they pay taxes, but use a relatively small share of the NHS and pensions. See: Fiscal effects of immigration. Net migration has helped deal with the UK's demographic timebomb. EU has enabled people to travel freely across national boundaries making trade and tourism easier and cheaper. According to the European Commission, more than 15 million EU citizens have moved to other EU countries to work or to enjoy their retirement. 1.5 million young people have completed part of essay on the act congress, their studies in another member state with the help of the Erasmus programme. The possibility to study abroad is considered positive by 84% of global warming opening, EU citizens. Negotiation! (benefits of EU) Easier to use qualifications in different member countries. This makes it easier to work abroad without having to retrain in different national qualifications.

Mutual recognition of safety standards and rules have helped reduce costs for firms. This has encouraged the development of small and medium business who rely on the low cost of exports. Social charter enshrines protection for workers such as a maximum working week, right to collective bargaining and essay fair pay for us history june, employment. European Arrest Warrant (EAW) scheme has made it easier to track criminals across the European continent. Environmental benefits of the EU. The EU has raised the quality of sea water and beeches, by implementing regulations on water standards 'Bathing Water Directive'. 92% of tourist locations now meet minimum water quality standards. (Clean water at Tackling global warming. In 2006, the (EU) committed to reducing its global warming emissions by at least 20 percent of 1990 levels by 2020.

The EU has also committed to spending $375 billion a year to global essay opening cut greenhouse gas emissions by at least 80 percent by 2050 compared to 1990 levels. (global warmingpdf) Tackling acid rain. Environmental treaties which have sought to deal with European wide environmental problems such as acid rain. The EU has set strict restrictions on emissions of pollutants, such as sulphur , and other causes of the refrigerator a classification essay, acid rain. (BBC Link) Consumer benefits of the EU. EU competition policy has harmonised regulation of monopoly and cartel power within Europe. The EU competition policy seeks to avoid abuses of cartels / monopoly / dominant market power and protect the interest of the consumer. Warming! There has been successful deregulation of airlines, electricity and gas markets.

The EU has reduced the price of making mobile phone calls abroad. In 2007 EU legislation set maximum charges for making and receiving calls. The EU also agreed with 14 mobile phone manufacturers to create a standard design for thematic 2013, chargers from 2011 in global warming opening order to make life easier for consumers and reduce wastage. In 2014, it is has voted to scrap roaming charges which will drastically reduce the cost of using a mobile phone abroad. (BBC link) Consumers are free to shop in any EU countries without paying any tariffs or excise duties when they return home. So what have the EU ever done for us, apart from straightening all those pesky bananas?

Recent posts on Brexit and Europe. Unemployment - A price worth paying for lower inflation? To some extent N.Lamont will claim to thesis sections be vindicated by global warming essay opening, events. Although unemployment rose to 3 million in the early 1990s, inflation was reduced and since then the economy has experienced a long period of a classification essay, uninterrupted growth without inflation and unemployment has fallen. 2. Costs of inflation. 1. Unemployment can last for a long time. Yet, this period of undoubted prosperity and rising living standards helped to mask a decline in warming essay opening the relative competitiveness of the UK economy. UK economic growth in the 1960s. There were brief dips in Negotiation output, but these were not sustained. Lack of willingness / ability to innovate Poor industrial relations with a growing number of days lost to warming strike action. There was often a break down between owners and managers and on the increasingly militant trade unions.

Some argue this was exacerbated by Britain's class system. Whilst Japanese workers sang company songs with zest and loyalty, British workers were more likely to be working to rule or considering strike action. Barbara Castle as Labour minister tried a moderate reforms of trades unions, through her white paper 'In Place of Strife '. However, the unions effectively lobbied Labour ministers and the reform bill was blocked. Complacency. Some argue that in the post-war period, the UK was affected by global essay opening, complacency of being a global power. This complacency was in stark contrast to the defeated countries of numbering thesis, Germany and essay opening Japan, who put greater energy into business. The UK was also hampered by coming to terms with letting go its Empire and trying to join Europe. In the 1960s, two applications to sections join the global warming, EEC were vetoed by the French. Lack of public sector infrastructure.

Burdened by high post-war debt, the UK struggled to invest in new transport and technologies. For example, the UK was still relying on steam trains until the mid 1960s - later than many other countries who made switch to cheaper and more efficient electricity and diesel. Numbering Sections! Balance of Payments. In the 1960s, the trade deficit was seen as a vitally important economic statistic, with important politically considerations. Unfortunately, for the Harold Wilson government of the 1960s, the UK trade deficit was embarrassingly large - a result of the decline in competitiveness and a wish to retain a strong pound. Campaigns like 'Buy British' were surprisingly prominent, but, ultimately failed to make any real dent in global warming essay the trade deficit. The problem was that if you wanted a car or electrical good that worked - you were much better off buying from overseas. If we made jokes about Skodas and Ladas in the 1980s, British Leyland was the butt of many jokes during 60s and 70s. Despite the economic weaknesses of the 1960s, it was still an sections, era of full employment and global opening rising real wages. Compared to the rest of the Twentieth Century, the 1950s and 60s were a rare period of full employment.

In fact, there were serious labour shortages in a classification essay industries, such as manufacturing and transport, leading to the mass immigration from Commonwealth countries. Devaluation of 1967. It does not mean that the pound here in Britain, in your pocket or purse or in your bank, has been devalued. (BBC) But, it did cause the price of warming essay, imports to essay rise and contribute to global warming rising inflation. It was also hoped the devaluation would tackle. Our decision to devalue attacks our problem at the root and that is why the international monetary community have rallied round. However, although it proved a temporary boost in competitiveness. It could not tackle the fundamental issues, such as productivity and labour relations. After the Second World War, the UK was left with huge debts. National debt as a % of GDP exceeded 200% of GDP in essay on the stamp the early 1950s.

Britain was reliant on loans from the global essay, United States. Essay! Despite growth and global warming essay a steady reduction in essay on the debt to GDP during the 1960s, the warming, UK still required US help. The Lawson Boom of the analysis, late 1980s. The Lawson boom of the global essay opening, late 1980s was a classic example of a 'boom and bust' economic cycle. The late 1980s were a period of rapid economic expansion.

This was caused by rising house prices, tax cuts, lower interest rates and high confidence. Should! However, the boom caused a rise in inflation and a larger current account deficit. Policies to tackle this inflation caused the recession of 1991-92. The Lawson boom followed from the recession of 1981. This recession particularly affected the manufacturing sector and caused unemployment to rise to global warming opening 3 million. By 1985, unemployment was still over 2.5 million people. However, from 1986 the government made various decisions which helped to inflate the a classification essay, economy causing an inflationary boom. Economic growth in warming the 1980s. In 1987 as a whole, output grew by getting on for 4? per cent., rather more than the rate of inflation which averaged 4.2 per cent.

At the same time, unemployment fell faster than in any other year since the war, in essay june 2013 every region of the country, and more than in any other major nation. The plain fact is that the British economy has been transformed. Prudent financial policies have given business and industry the confidence to opening expand, while supply side reforms have progressively removed the barriers to enterprise. A Classification! (source) However, this was not the case and warming essay opening economic growth of 4%, led to a growing current account deficit and analysis rising inflation rate. 4. The housing boom. The low-interest rates and the high consumer confidence sparked a housing boom. Global Warming Essay! During the boom years, house prices rose by 300% (and more in places like London). Q4 1988 was the peak of the a classification essay, boom period with house prices rising over 30% at an annual rate. This boom in house prices caused a rise in household wealth and increased confidence. Equity withdrawal rose to record levels, which helped increase consumer spending.

By 1988 and 1989, the economy was growing at 5% a year (almost double the long run trend rate) Despite signs of overheating, the government were reluctant to react. Interest rates were increased, but not as quickly as they could have. Partly they believed there had been an economic miracle - enabling a higher long run trend rate of economic growth. But, also Nigel Lawson, didn't want higher interest rates to essay boost the value of the Pound above the 'unofficial exchange rate' he was following. This was a policy known as shadowing the D-Mark.

However, the fast growth meant that inflation started to creep up, eventually reaching over 8% in 1990. A widening current account deficit in the late 1980s was evidence of the thematic essay us history june, economic boom. Global Opening! High consumer spending led to a rise in import spending causing a deterioration in the current account. It was also in the 1980s, that we saw rapid financial deregulation, which at the time was considered beneficial. However, the financial deregulation of building societies was a factor behind the UK credit crunch of 2008. The Lawson Boom also saw a period of widening inequality - helped by cuts to essay act congress tax rates for high earners. One interesting outcome of the Lawson Boom was that it encouraged later governments to give responsibility of Monetary Policy to the Bank of essay, England. The argument was that an independent Bank of England would avoid the political pressure to thesis keep interest rates too low to achieve high growth. Global Essay Opening! Related. How does austerity affect the economy? However, austerity, during a time of economic weakness often leads to further falls in aggregate demand, higher unemployment and lower economic growth.

In some cases, austerity to reduce a budget deficit can be self-defeating, with sharp falls in real GDP, causing debt to GDP ratios to continue to rise. However, in the refrigerator certain cases, 'fiscal austerity' can reduce budget deficits without causing negative economic growth. Lower inflation . Opening! Spending cuts will tend to lead to lower inflation. Firstly, the fall in aggregate demand (AD) will lead to stamp lower inflationary pressures in warming the economy. Also, if the government limits public sector wages, this will put downward pressure on wages. Lower wage growth plays a key role in reducing underlying inflationary pressure.

Ireland has been one of more 'successful' countries which has embarked on austerity, but this shows GNP is still significantly below pre -crisis levels (when real GNP was growing at an average rate of close to 5% a year) The UK's budget deficit fell slower than expected. This was partly because growth forecasts proved overly-optimistic. The Refrigerator A Classification Essay! The austerity measures led to a slowdown in growth. What determines the impact of austerity? Exchange rate . Austerity is global warming, not as damaging if a country can devalue the exchange rate. Numbering Thesis! This devaluation helps to warming restore competitiveness much quicker than relying on internal devaluation. Introduction Essay Include! The depreciation helps boost export demand.

Countries in the Euro, can't devalue and so have to rely solely on internal devaluation to restore competitiveness. Should we worry about national debt? It is global warming opening, worth bearing in the refrigerator a classification essay mind that in the 1940s, as well as paying for post war reconstruction, the UK set up the warming essay opening, NHS and welfare state. There was no austerity panic in the 1940s! The high government debt levels of the 1940s and the refrigerator 1950s were not a barrier to the post war boom years of the 1950s and 1960s which saw record levels of economic growth. An analogy. When I took out a mortgage loan of ?140,000, I was left with mortgage payments of ?800 a month.

In 2004, this was nearly 40% of my income. However, if my income increases by 3% a year. Global Warming! In 20 years time, it will be much easier to pay that mortgage payment of ?800, it will hopefully be 15% of my income. To buy a house, it makes sense to borrow a mortgage and pay back over 30-40 years. However, although national debt can be effectively managed, there are concerns when debt grows faster than National Income.

For example, in Greece debt to GDP has risen so quickly that it has proved very difficult to stop the ratio of debt to GDP rising. (partly because spending cuts to reduce the deficit, caused lower GDP) As UK debt rose from 35% of the refrigerator a classification essay, GDP to 80% of GDP. Bond yields fell from global essay 5% to 2% In other-words as debt rose, borrowing costs fell. This is because in economic downturn, there is greater demand for government bonds. In some cases (such as Eurozone economies) higher levels of public debt pushed up bond yields. Introduction Essay Include! Higher bond yields are damaging to the economy. It increases the cost of debt interest payments and global warming essay is a reflection investors are nervous about the liquidity of a classification essay, government debt. Essay Opening! It forced the economies into austerity which caused a prolonged recession. The UK has seen a fall in bond yields during the recession of 2008-12. This is because, in a recession, private sector saving rises.

Therefore, there is demand for safe investments, such as government bonds. In a recession, people don't want to take risks, therefore demand for shares and private investment tends to essay fall. Global Warming Opening! In a recession, government borrowing doesn't tend to requirements cause crowding out. Government borrowing is merely mopping up private sector saving. Possible reasons to be concerned about warming, government borrowing. However, an ageing population can be resolved without just increasing tax on young workers. The retirement age can be increase to Negotiation keep the same% of population in workforce. 3. Inflationary Pressure. There is a concern that higher levels of global essay, national debt can cause inflation.

If debt becomes too high, there may be insufficient investors to buy the dbq essay requirements, government securities (the usual way of financing the debt). Therefore, the government may be tempted (or forced) to warming essay fill the shortfall in revenue by essay on the stamp, printing money. Printing money and increasing the money supply, will lead to inflation. Opening! The problem with inflation, is essay, that it devalues the value of bonds, people will sell bonds, leading to higher interest rates on bonds and higher debt interest payments. If investors see inflation is getting out of control, people will not want to hold bonds. Foreign investors will sell their securities and this will cause a devaluation in the currency. Global Essay Opening! This is particularly a problem for the US, where foreign countries hold a high % of the national debt.The hyperinflation of Germany in 1922-23 was caused by introduction include, the government printing money to finance reparation payments to the allies. However, it should be pointed out, this hyperinflation is quite rare and only occurs if the global warming, government prints money recklessly without regard to requirements the fundamental economic situation. Quantitative easing in 2009-12 didn't cause inflation in the UK and global essay US. The increase in the monetary base was very large, but the inflationary impact minimal. - Inflation and quantitative easing.

4. Crowding Out . It is Negotiation, argued that if government borrowing increases, it will cause crowding out of the private sector. If the private sector buy bonds it means the private sector has less funds for private sector investment. Also, if borrowing increases, interest rates may rise. Higher interest rates also reduce private sector spending and investment. However, in a recession, crowding out doesn't occur because the private sector want to buy government bonds 5. As National Debt increases as a % of warming opening, GDP, it means that the interest payments as a % of GDP may increase.

Therefore, higher levels of taxes have to be spent on just financing the national debt. If the ap world history dbq essay requirements, government increases debt during a period of economic growth - the higher borrowing is likely to global warming crowd out the private sector and lead to a decline in private sector investment. If there is thematic us history june 2013, a structural deficit caused by spending commitments which can't be met by global warming essay, tax revenues. If the government responds to introduction essay should include higher debt by printing money; this can cause inflation. e.g. case of warming opening, Zimbabwe, Germany 1920s. But, note QE of 2008-12, didn't cause inflation in UK and US because of liquidity trap. How to deal with an ageing population.

How UK Pension spending as a % of GDP has increased in recent decades.