Debt Reduction- Advice On Credit Card Debt Reduction, Debt Reduction Services, And Debt Reduction Plans

xtremegms360 asked:


hows my thesis sentence? Is it strong, clear, and concise.
Thesis-
The negative effects of sleep deprivation impede students’ ability to succeed in academics to full potentiality.

Intro paragraph-
All-nighters, staying up all night, is an unhealthy activity college students tend to do in order to keep up with their academic studies. These all-nighters may allow students to study more, but every hour taken away from someone’s sleep is added to their sleep debt. A sleep debt is similar to a student loan. No matter how many hours of sleep the body is deprived of, the body will need those hours of sleep to be paid back. There is no escape from the body’s recollection of sleep except death. As sleep hours are deprived of, negative effects may occur to the health of the individual. These negative effects may include performance and alertness reduction, memory and cognitive problems, hallucinations, and abnormal sleeping patterns. The negative effects of sleep deprivation impede students’ ability to succeed in academics to full potentiality.

Augustus Updegraff

Eddie asked:


What Are the Causes and Effects of the Great Depression?
The Great Depression has affected the United Sates in many ways and has caused a loss that we can never fully recover from. It was gap in U.S. history that had cost us many lives and jobs. The depression began in late 1929 and lasted for about a decade. The 1920’s or “The Roaring Twenties” played a big role in causes of the great depression. The 1920’s were a time of peace and great prosperity. After World War I, the “Roaring Twenties” was fueled by increased industrialization and new technologies, such as the radio and the automobile. Air flight was also becoming widespread, as well. The economy benefited greatly from the new life changing technologies. As the stock market soared, many investors quickly snapped up shares. Stocks were seen as extremely safe by most economists, due to the powerful 1920s boom. Investors soon purchased stock on margin. Margin is the borrowing of stock for the purpose of getting profit. If a stock drops too much, a margin holder could lose all of their money and owe their broker money as well. From 1921 to 1929, the stocks rocketed. Millionaires were created instantly. Soon stock market trading became America’s favorite pastime as investors bought stocks to make a quick profit. Investors mortgaged their homes, and foolishly invested their life savings in hot stocks, such as Ford and RCA. To the average investor, stocks were a sure thing. Few people actually studied the fundamentals of the companies they invested in. Thousands of fraud companies were formed to trick uneducated investors. Most investors never even thought a crash was possible. To them, the stock market “always went up”. By 1929 the stock market reached its all time high and investors were buying stocks by the dozen. Then all of a sudden prices started lowering. All investors sold their stock buy no one wanted to buy. This one day had caused a decade of Depression.

The causes of the Great Depression
In 1929 a panic on the New York stock Exchange introduced a mouth dropping effect. The stock market that had been giving everyone the profit they wanted collapsed. Several events that occurred before 1929 caused this to happen on a long term basis.
During the roaring twenties everyone was prospering and making profit. The manufacturers were trying to sell there products to as much financial groups as possible, but they were unable to lower there prices so the poor can buy there products. (Lamb, Annette 2008).
The government came out with the process of credit. It worked by a person buying a product over time paying a monthly bill. For example, if someone wanted to buy a washing machine that cost $500 but they only had $100. They would pay there $100 and then pay a certain amount every month till the washing machine was paid off. The government also charged the buyers more than the product actually cost in stores, so in the end they wound up paying more than the original price. This process put many Americans in debt. In record almost every American spent 75% of there yearly income on consumer goods. (Lamb, Annette 2008).
When Americans put more on credit than they could afford they went into debt. This happened to many Americans making the nations total go down and causing a worldwide problem.
The short term reason for the stock market crash of 1929 was the middleclass people getting into the stock market. Middle income people started buying stocks on margin in order to get themselves in on the economic boom the U.S. was having during the roaring twenties. At that time there were soaring prices for stocks. People paid a small percentage of a stock’s price as down payment and borrowed the rest from a stockbroker. (Lamb, Annette 2008)
The system worked well as long as stock prices were rising. If they fell, however, investors would have no money to pay off the loan. In September 1929, some investors began to think that stock prices became too high. They started selling their stocks, believing prices would soon go down. By Tuesday October 24, the gradual lowering of stock prices had become an all out slide downward. A panic resulted. Everyone wanted to sell stocks, and no one wanted to buy. Prices plunged to a new low on Tuesday October 29. A record 16 million stocks were sold. Then what Americans thought could never happen, the stock market collapsed.

The effects of the Great Depression
The Great Depression affected not only the people but the country as well. International trade and industrial production dropped sharply right after the stock market crash of 1929. Wages shrank, unemployment rose, and widespread misery proved that something was wrong with the economic system. The whole world felt the impact of this tragedy but Americans suffered it the worst. (Slee, Tom 2008)
What people in America noticed almost instantly about the Depression was the reduction of their incomes. In addition to millions of wage earners who were thrown out of work entirely, millions more became part-time laborers. Even those who kept full-time jobs often had to accept a reduction in wages. (Slee, Tom 2008)
In addition to the cut wages the Depression also affected international trade and manufacturing which shrank rapidly and filled many people with apprehension. In 1929 the estimated value of United States imports and exports had reached almost ten billion dollars. (Mandel, William 2008). By 1933 the value had dropped to three billion. Furthermore, American industrial output was cut in half. This had a big affect on the United States because most of there exports were used by the government to pay bills.
With all the people taking there money out the bank to try and recover their savings, the banks went bankrupt. Thousands of banks were forced to close as a result of this. Business owners also suffered from the Depression. With there bills and debt rising they were no longer able to pay there workers or buy their products, and were forced to fire many workers. (Mandel, William 2008). It was hard to find affordable materials and eventually many businesses had no choice but to close.
The dislocation of trade and industry, the falling prices, and the rising unemployment that came with the Depression forced statesmen and economists to seek remedies. But the experts could not agree in what was wrong or what measures would prove most effective in restoring the U.S economy. The solution to this problem would soon come. (Mandel, William 2008). During the 1930s the government was providing weapons, tanks and other much needed necessities to Great Britain under the lend-lease act. This was a pre-start to the coming war effort. In 1939 when America was hit at Pearl Harbor, World War Two struck out. Many Americans enlisted to go to war in order to get money and start a new life for there families. (Mandel, William 2008). With all the needed supplies for the war, the government hired people in factories to make weapons, munitions, tanks, airplanes and any other supplies needed for war. This was a big opportunity for unemployed people and many took the job as factory workers. As the unemployment rate was lowering so was American debt. (Mandel, William 2008). With people getting money and paying off there bills, they were able to buy everyday items to keep them going. This cycle opened many more businesses and eventually pulled the United States economy out of the Great Depression.
ok well this is my social studies report on the causes and effects of the great depression. it is split into three parts. the first is the introduction and explains what led up to the great depression. the second is the causes and the third is the effects. i just need you just to edit my grammar and punctuation and im good. also i still need a conclusion if you can help me with that.
ohh yea and the names with parenthesis and years are just giving credit to the sources i used. don’t ask my teachers made me do it….
i did this all in like a night and i think i deserve to get it edited for all the work i went though. and i **** at grammar so i cant edit it myself.

Alona Bonker

Joanne Hsu asked:


Under the amended Reit Act, debt financing and bond issues will be allowed up to twice the amount of the net equity of the company.
Right of first refusal to sell shares
In CR-Reits, shareholders who oppose the extension of the holding period under the articles of incorporation are granted the right of first refusal to sell shares. Under the amended Reit Act, that right of first refusal will be granted for all types of Reits, if there is an issuance of new shares following an in-kind contribution, or if the Reit is subject to a merger or acquisition.
Shareholding limits
To give increased flexibility to shareholders, the holding limit of 10% of outstanding shares per person for K-Reits will be increased to 30%. There will be no change for CR-Reits as shareholders in CR-Reits have not been subjected to any restrictions with respect to the number of shares.
Asset portfolio requirements
Under the Reit Act, a Reit has to meet certain requirements regarding asset composition at the close of each quarter: (i) at least 70% of the total assets must be invested in real estate; and (ii) at least 90% of the total assets must consist of real estate, real estate related securities and cash.
Under the amended Reit Act, this will be relaxed so that: (i) at least 70% of the total assets must be invested in real estate; and (ii) at least 80% of the total assets must consist of real estate, real estate related securities and cash. However, for CR-Reits, only the first requirement applies.
Income deduction for dividends
According to the amended CTL, Paper Company Reits will receive the same tax benefits as CR-Reits with respect to the deduction on distributed dividends for corporate income tax purpose, given that they distribute 90% or more of their distributable income.
Registration and acquisition taxes
Before 2003, under the TILL, there was a 100% exemption on registration and acquisition taxes for CR-Reits regarding the real property acquired by CR-Reits, while other types of Reits received only a 50% reduction. However, towards the end of 2003 and in accordance with the amendment to the TILL, the 100% exemption enjoyed by CR-Reits was also reduced to 50%, which is equal to the rate applied to other types of Reits.

Rivka Schunemann

900dps in heroics asked:


These are definition for Crowding out effect.
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Crowding out effect- the tendency for increase in goverment spending to cause reductions in private investment spending.

Crowding out refers to the tendency for increases in the government budget deficit to reduce private investment.
-or- in simple terms, when the government borrows money (the “bailouts”) it leaves a shortage in the amount of money that can be used for private investment and creating new business.

What Does Crowding Out Effect Mean?
An economic theory explaining an increase in interest rates due to rising government borrowing in the money market.
Investopedia explains Crowding Out Effect
Governments often borrow money (by issuing bonds) to fund additional spending. The problem occurs when government debt ‘crowds out’ private companies and individuals from the lending market.

Increased government borrowing tends to increase market interest rates. The problem is that the government can always pay the market interest rate, but there comes a point when corporations and individuals can no longer afford to borrow.
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I still dont understand,so it means When the goverment loans money, there can be cause problem like corporations dont have enough money to loan them?

Leeanne Cajucom