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Money is a topic that affects us all in one way or another. Whether we are saving for the future, managing our finances, or trying to make ends meet, money plays a crucial role in our lives. If you are looking for inspiration for your next essay on money, here are 114 money essay topic ideas and examples to help get you started.

• The importance of financial literacy in today's society
• The impact of inflation on consumer purchasing power
• The role of credit cards in modern society
• How to create a budget and stick to it
• The psychology of money and spending habits
• The effects of consumerism on society
• The benefits of saving money for the future
• The impact of student loan debt on young adults
• The relationship between money and happiness
• The rise of digital currencies like Bitcoin
• The ethics of wealth distribution in society
• The impact of social media influencers on consumer spending
• The role of advertising in shaping consumer behavior
• The pros and cons of investing in the stock market
• The effects of globalization on the economy
• The importance of financial planning for retirement
• The impact of income inequality on society
• The role of government in regulating the economy
• The benefits of investing in real estate
• The rise of the gig economy and its impact on workers' finances
• The impact of automation on job security and wages
• The benefits of diversifying your investment portfolio
• The impact of interest rates on borrowing and saving
• The role of insurance in protecting your finances
• The impact of taxes on personal finances
• The benefits of starting a side hustle to supplement your income
• The impact of technology on personal finance management
• The role of education in improving financial literacy
• The impact of economic recessions on personal finances
• The benefits of setting financial goals and milestones
• The impact of social class on access to financial resources
• The role of gender in shaping financial attitudes and behaviors
• The benefits of investing in education and skills development
• The impact of gambling and addiction on personal finances
• The role of philanthropy in giving back to society
• The benefits of creating a will and estate plan
• The impact of healthcare costs on personal finances
• The role of entrepreneurship in creating wealth
• The benefits of investing in your health and well-being
• The impact of consumer debt on financial stability
• The role of family and social support in managing finances
• The benefits of financial independence and autonomy
• The impact of cultural norms and values on money management
• The role of government assistance programs in alleviating poverty
• The benefits of investing in sustainable and ethical companies
• The impact of climate change on the economy and personal finances
• The role of corporate social responsibility in business practices
• The benefits of creating a financial plan for emergencies and unexpected expenses
• The impact of job loss and unemployment on personal finances
• The role of mental health in shaping financial attitudes and behaviors
• The benefits of investing in renewable energy and green technologies
• The impact of social media on consumer spending and peer pressure
• The role of peer-to-peer lending and crowdfunding in raising capital
• The benefits of investing in your personal and professional development
• The impact of economic sanctions and trade wars on global finances
• The role of data privacy and security in financial transactions
• The benefits of investing in your community and local economy
• The impact of political instability on financial markets and investments
• The role of financial advisors and planners in managing wealth
• The benefits of investing in your education and career advancement
• The impact of social welfare programs on poverty alleviation
• The role of charitable giving and philanthropy in society
• The benefits of investing in arts and culture for economic growth
• The impact of natural disasters and emergencies on personal finances
• The role of sustainable and ethical investing in creating a better world
• The benefits of investing in technology and innovation for economic progress
• The impact of healthcare reform on access to affordable medical care
• The role of trade unions and labor organizations in advocating for workers' rights
• The benefits of investing in infrastructure and public services for economic development
• The impact of corruption and fraud on financial stability and trust
• The role of entrepreneurship and small businesses in driving economic growth
• The benefits of investing in education and skills training for future generations
• The impact of globalization and free trade agreements on the economy
• The role of financial regulators and watchdogs in protecting consumers
• The benefits of investing in research and development for innovation
• The impact of income inequality on social mobility and opportunity
• The role of microfinance and small loans in empowering marginalized communities
• The benefits of investing in healthcare and wellness programs for employees
• The impact of climate change on food security and agricultural production
• The role of financial institutions and banks in promoting economic stability
• The benefits of investing in renewable energy and sustainable practices
• The impact of aging populations on social security and retirement funds
• The role of digital currencies and blockchain technology in financial transactions
• The benefits of investing in education and skills training for refugees and immigrants
• The impact of artificial intelligence and automation on job displacement
• The role of social entrepreneurship in addressing social and environmental challenges
• The benefits of investing in affordable housing and urban development
• The impact of income tax policies on wealth redistribution and social welfare
• The role of consumer advocacy groups in promoting fair and transparent practices
• The benefits of investing in clean water and sanitation for public health
• The impact of economic sanctions and embargoes on global trade and finance
• The role of financial education programs in empowering individuals and communities
• The benefits of investing in mental health and wellness services for employees
• The impact of political instability and conflict on economic development
• The role of corporate governance and ethics in business practices
• The benefits of investing in gender equality and women's empowerment
• The impact of natural disasters and emergencies on supply chains and production
• The role of community development and social enterprises in poverty alleviation
• The benefits of investing in arts and culture for community engagement and cohesion
• The impact of climate change on insurance premiums and risk management
• The role of financial technology and mobile banking in promoting financial inclusion
• The benefits of investing in vocational training and skills development for youth
• The impact of income inequality on social cohesion and trust
• The role of microfinance and small loans in promoting entrepreneurship and innovation
• The benefits of investing in healthcare and wellness programs for seniors
• The impact of automation and robotics on manufacturing and job displacement
• The role of social enterprises and impact investing in sustainable development
• The benefits of investing in affordable housing and urban renewal projects
• The impact of economic sanctions and trade wars on global supply chains
• The role of financial literacy programs in empowering marginalized communities
• The benefits of investing in renewable energy and sustainable practices for the environment
• The impact of aging populations on healthcare costs and social security systems
• The role of digital currencies and blockchain technology in promoting financial transparency
• The benefits of investing in education and skills training for underserved populations

In conclusion, money is a complex and multifaceted topic that touches on various aspects of our lives. Whether you are interested in personal finance, economic policy, or social justice, there is a wealth of essay topics to explore. By delving into these topics, you can gain a deeper understanding of the role of money in society and how it shapes our lives. So go ahead and choose a topic that resonates with you, and start writing your next money essay today.

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Demand for money

The demand for money refers to how much assets individuals wish to hold in the form of money (as opposed to illiquid physical assets.) It is sometimes referred to as liquidity preference. The demand for money is related to income, interest rates and whether people prefer to hold cash(money) or illiquid assets like money.

This shows that the demand for money is inversely related to the interest rate.

• At high-interest rates, people prefer to hold bonds (which give a high-interest payment).
• When interest rates fall, holding bonds gives a lower return so people prefer to hold cash.

Types of demand for money

• Transaction demand – money needed to buy goods – this is related to income.
• Precautionary demand – money needed for financial emergencies.
• Asset motive/speculative demand – when people wish to hold money rather than buy assets/bonds/risky investment.

Transaction demand for money

Transaction demand for money – the money we need to purchase goods and services in day to day life.

In the classical quantity theory of money . The demand for money is a function of prices and income (assuming the velocity of circulation is stable.) If income rises, demand for money will rise.

In an inventory model, the demand for holding money depends on the frequency of getting paid, and the cost of depositing money in a bank. When employees are paid, they will hold some money to buy goods. If they are paid once a month, they may deposit half to benefit from interest payments, and then withdraw after two months. However, electronic transfers and debit cards have made this less relevant.

Precautionary demand for money

• Precautionary demand for money – the money we may need for unexpected purchases or emergencies.

Asset motive

• The asset motive states that people demand money as a way to hold wealth. This may occur during periods of deflation or periods where investors expect bonds to fall in value.

Speculative demand

Keynes explained the asset motive through what he termed ‘speculative demand’. In this theory, he argued that demand for money is a choice between holding cash and buying bonds.

If interest rates are low, then people will tend to expect rising interest rates, and therefore a fall in the price of bonds. In this case, demand for holding wealth in the form of money will be higher.

If interest rates are high, and people expect interest rates to fall, then there is likely to be greater demand for buying bonds and less demand for holding money. If interest rates fall, then the price of bonds will rise.

The inverse relationship between the price of bonds and bond yields .

Portfolio motive

The portfolio motive is another way of considering the asset motive. This theory was developed by James Tobin. He placed emphasis on the trade off between asset growth and risk aversion. For example, if an individual is nervous about future economic trends, he will hold money rather than purchase more risky bonds and shares. If the individual is optimistic, he will take risks and purchase fewer bonds and shares.

Evaluation how stable is demand for money?

The demand for money can vary due to many factors other than income and interest rates. These include

• Technological changes – e.g. debit cards, make holding cash less important. Easy access to current accounts can enable people to hold less cash.
• Availability of credit. If credit is more available, precautionary demand for money will fall as individuals feel they can borrow – if they meet short-term difficulties.
• Irrational behaviour of asset prices. Markets can enter boom and busts driven by psychological factors such as over-exuberance. In these bubble periods, demand for assets will rise and demand for holding money will fall.
• Empirical evidence in A Monetary History of the United States (1963) Friedman and Schwartz suggested a relationship between demand for money and income and interest rates. However, this relationship seems to break-down post-1975
• It depends on how you define money. Narrow definitions such as M0 and M1 are quite different from broader definitions. Also, there is near-money which includes short-term gilts with the maturity of fewer than six months.
• The demand for money can refer to narrow definitions of the money supply (M0, M1) or broad measures of the money supply like M3 or M4.

Money demand in a liquidity trap

In a liquidity trap, the demand for money is perfectly elastic. Increasing the money supply doesn’t reduce interest rates and the impact of increasing the money supply is ineffective in boosting demand.

• Money supply

Module: Monetary Policy

Reading: the demand for money, motives for holding money.

In deciding how much money to hold, people make a choice about how to hold their wealth. How much wealth shall be held as money and how much as other assets? For a given amount of wealth, the answer to this question will depend on the relative costs and benefits of holding money versus other assets. The demand for money  is the relationship between the quantity of money people want to hold and the factors that determine that quantity.

To simplify our analysis, we will assume there are only two ways to hold wealth: as money in a checking account, or as funds in a bond market mutual fund that purchases long-term bonds on behalf of its subscribers. A bond fund is not money. Some money deposits earn interest, but the return on these accounts is generally lower than what could be obtained in a bond fund. The advantage of checking accounts is that they are highly liquid and can thus be spent easily. We will think of the demand for money as a curve that represents the outcomes of choices between the greater liquidity of money deposits and the higher interest rates that can be earned by holding a bond fund. The difference between the interest rates paid on money deposits and the interest return available from bonds is the cost of holding money.

One reason people hold their assets as money is so that they can purchase goods and services. The money held for the purchase of goods and services may be for everyday transactions such as buying groceries or paying the rent, or it may be kept on hand for contingencies such as having the funds available to pay to have the car fixed or to pay for a trip to the doctor.

The transactions demand for money  is money people hold to pay for goods and services they anticipate buying. When you carry money in your purse or wallet to buy a movie ticket or maintain a checking account balance so you can purchase groceries later in the month, you are holding the money as part of your transactions demand for money.

The money people hold for contingencies represents their precautionary demand for money . Money held for precautionary purposes may include checking account balances kept for possible home repairs or health-care needs. People do not know precisely when the need for such expenditures will occur, but they can prepare for them by holding money so that they’ll have it available when the need arises.

People also hold money for speculative purposes. Bond prices fluctuate constantly. As a result, holders of bonds not only earn interest but experience gains or losses in the value of their assets. Bondholders enjoy gains when bond prices rise and suffer losses when bond prices fall. Because of this, expectations play an important role as a determinant of the demand for bonds. Holding bonds is one alternative to holding money, so these same expectations can affect the demand for money.

John Maynard Keynes, who was an enormously successful speculator in bond markets himself, suggested that bondholders who anticipate a drop in bond prices will try to sell their bonds ahead of the price drop in order to avoid this loss in asset value. Selling a bond means converting it to money. Keynes referred to the speculative demand for money  as the money held in response to concern that bond prices and the prices of other financial assets might change.

Of course, money is money. One cannot sort through someone’s checking account and locate which funds are held for transactions and which funds are there because the owner of the account is worried about a drop in bond prices or is taking a precaution. We distinguish money held for different motives in order to understand how the quantity of money demanded will be affected by a key determinant of the demand for money: the interest rate.

Interest Rates and the Demand for Money

The quantity of money people hold to pay for transactions and to satisfy precautionary and speculative demand is likely to vary with the interest rates they can earn from alternative assets such as bonds. When interest rates rise relative to the rates that can be earned on money deposits, people hold less money. When interest rates fall, people hold more money. The logic of these conclusions about the money people hold and interest rates depends on the people’s motives for holding money.

The quantity of money households want to hold varies according to their income and the interest rate; different average quantities of money held can satisfy their transactions and precautionary demands for money. To see why, suppose a household earns and spends $3,000 per month. It spends an equal amount of money each day. For a month with 30 days, that is $100 per day. One way the household could manage this spending would be to leave the money in a checking account, which we will assume pays zero interest. The household would thus have $3,000 in the checking account when the month begins, $2,900 at the end of the first day, $1,500 halfway through the month, and zero at the end of the last day of the month. Averaging the daily balances, we find that the quantity of money the household demands equals $1,500. This approach to money management, which we will call the “cash approach,” has the virtue of simplicity, but the household will earn no interest on its funds.

Consider an alternative money management approach that permits the same pattern of spending. At the beginning of the month, the household deposits $1,000 in its checking account and the other $2,000 in a bond fund. Assume the bond fund pays 1% interest per month, or an annual interest rate of 12.7%. After 10 days, the money in the checking account is exhausted, and the household withdraws another $1,000 from the bond fund for the next 10 days. On the 20th day, the final $1,000 from the bond fund goes into the checking account. With this strategy, the household has an average daily balance of $500, which is the quantity of money it demands. Let us call this money management strategy the “bond fund approach.”

Remember that both approaches allow the household to spend $3,000 per month, $100 per day. The cash approach requires a quantity of money demanded of $1,500, while the bond fund approach lowers this quantity to $500.

The bond fund approach generates some interest income. The household has $1,000 in the fund for 10 days (1/3 of a month) and $1,000 for 20 days (2/3 of a month). With an interest rate of 1% per month, the household earns $10 in interest each month ([$1,000 × 0.01 × 1/3] + [$1,000 × 0.01 × 2/3]). The disadvantage of the bond fund, of course, is that it requires more attention—$1,000 must be transferred from the fund twice each month. There may also be fees associated with the transfers.

Of course, the bond fund strategy we have examined here is just one of many. The household could begin each month with $1,500 in the checking account and $1,500 in the bond fund, transferring $1,500 to the checking account midway through the month. This strategy requires one less transfer, but it also generates less interest—$7.50 (= $1,500 × 0.01 × 1/2). With this strategy, the household demands a quantity of money of $750. The household could also maintain a much smaller average quantity of money in its checking account and keep more in its bond fund. For simplicity, we can think of any strategy that involves transferring money in and out of a bond fund or another interest-earning asset as a bond fund strategy.

Which approach should the household use? That is a choice each household must make—it is a question of weighing the interest a bond fund strategy creates against the hassle and possible fees associated with the transfers it requires. Our example does not yield a clear-cut choice for any one household, but we can make some generalizations about its implications.

First, a household is more likely to adopt a bond fund strategy when the interest rate is higher. At low interest rates, a household does not sacrifice much income by pursuing the simpler cash strategy. As the interest rate rises, a bond fund strategy becomes more attractive. That means that the higher the interest rate, the lower the quantity of money demanded.

Second, people are more likely to use a bond fund strategy when the cost of transferring funds is lower. The creation of savings plans, which began in the 1970s and 1980s, that allowed easy transfer of funds between interest-earning assets and checkable deposits tended to reduce the demand for money.

Some money deposits, such as savings accounts and money market deposit accounts, pay interest. In evaluating the choice between holding assets as some form of money or in other forms such as bonds, households will look at the differential between what those funds pay and what they could earn in the bond market. A higher interest rate in the bond market is likely to increase this differential; a lower interest rate will reduce it. An increase in the spread between rates on money deposits and the interest rate in the bond market reduces the quantity of money demanded; a reduction in the spread increases the quantity of money demanded.

Firms, too, must determine how to manage their earnings and expenditures. However, instead of worrying about $3,000 per month, even a relatively small firm may be concerned about $3,000,000 per month. Rather than facing the difference of $10 versus $7.50 in interest earnings used in our household example, this small firm would face a difference of $2,500 per month ($10,000 versus $7,500). For very large firms such as Toyota or AT&T, interest rate differentials among various forms of holding their financial assets translate into millions of dollars per day.

How is the speculative demand for money related to interest rates? When financial investors believe that the prices of bonds and other assets will fall, their speculative demand for money goes up. The speculative demand for money thus depends on expectations about future changes in asset prices. Will this demand also be affected by present interest rates?

If interest rates are low, bond prices are high. It seems likely that if bond prices are high, financial investors will become concerned that bond prices might fall. That suggests that high bond prices—low interest rates—would increase the quantity of money held for speculative purposes. Conversely, if bond prices are already relatively low, it is likely that fewer financial investors will expect them to fall still further. They will hold smaller speculative balances. Economists thus expect that the quantity of money demanded for speculative reasons will vary negatively with the interest rate.

The Demand Curve for Money

We have seen that the transactions, precautionary, and speculative demands for money vary negatively with the interest rate. Putting those three sources of demand together, we can draw a demand curve for money to show how the interest rate affects the total quantity of money people hold. The demand curve for money shows the quantity of money demanded at each interest rate, all other things unchanged. Such a curve is shown in Figure 10.7 “The Demand Curve for Money.” An increase in the interest rate reduces the quantity of money demanded. A reduction in the interest rate increases the quantity of money demanded.

Figure 10.7. The Demand Curve for Money. The demand curve for money shows the quantity of money demanded at each interest rate. Its downward slope expresses the negative relationship between the quantity of money demanded and the interest rate.

The relationship between interest rates and the quantity of money demanded is an application of the law of demand. If we think of the alternative to holding money as holding bonds, then the interest rate—or the differential between the interest rate in the bond market and the interest paid on money deposits—represents the price of holding money. As is the case with all goods and services, an increase in price reduces the quantity demanded.

Other Determinants of the Demand for Money

We draw the demand curve for money to show the quantity of money people will hold at each interest rate, all other determinants of money demand unchanged. A change in those “other determinants” will shift the demand for money. Among the most important variables that can shift the demand for money are the level of income and real GDP, the price level, expectations, transfer costs, and preferences.

A household with an income of $10,000 per month is likely to demand a larger quantity of money than a household with an income of $1,000 per month. That relationship suggests that money is a normal good: as income increases, people demand more money at each interest rate, and as income falls, they demand less.

An increase in real GDP increases incomes throughout the economy. The demand for money in the economy is therefore likely to be greater when real GDP is greater.

The Price Level

The higher the price level, the more money is required to purchase a given quantity of goods and services. All other things unchanged, the higher the price level, the greater the demand for money.

Expectations

The speculative demand for money is based on expectations about bond prices. All other things unchanged, if people expect bond prices to fall, they will increase their demand for money. If they expect bond prices to rise, they will reduce their demand for money.

The expectation that bond prices are about to change actually causes bond prices to change. If people expect bond prices to fall, for example, they will sell their bonds, exchanging them for money. That will shift the supply curve for bonds to the right, thus lowering their price. The importance of expectations in moving markets can lead to a self-fulfilling prophecy.

Expectations about future price levels also affect the demand for money. The expectation of a higher price level means that people expect the money they are holding to fall in value. Given that expectation, they are likely to hold less of it in anticipation of a jump in prices.

Expectations about future price levels play a particularly important role during periods of hyperinflation. If prices rise very rapidly and people expect them to continue rising, people are likely to try to reduce the amount of money they hold, knowing that it will fall in value as it sits in their wallets or their bank accounts. Toward the end of the great German hyperinflation of the early 1920s, prices were doubling as often as three times a day. Under those circumstances, people tried not to hold money even for a few minutes—within the space of eight hours money would lose half its value!

Transfer Costs

For a given level of expenditures, reducing the quantity of money demanded requires more frequent transfers between nonmoney and money deposits. As the cost of such transfers rises, some consumers will choose to make fewer of them. They will therefore increase the quantity of money they demand. In general, the demand for money will increase as it becomes more expensive to transfer between money and nonmoney accounts. The demand for money will fall if transfer costs decline. In recent years, transfer costs have fallen, leading to a decrease in money demand.

Preferences

Preferences also play a role in determining the demand for money. Some people place a high value on having a considerable amount of money on hand. For others, this may not be important.

Household attitudes toward risk are another aspect of preferences that affect money demand. As we have seen, bonds pay higher interest rates than money deposits, but holding bonds entails a risk that bond prices might fall. There is also a chance that the issuer of a bond will default, that is, will not pay the amount specified on the bond to bondholders; indeed, bond issuers may end up paying nothing at all. A money deposit, such as a savings deposit, might earn a lower yield, but it is a safe yield. People’s attitudes about the trade-off between risk and yields affect the degree to which they hold their wealth as money. Heightened concerns about risk in the last half of 2008 led many households to increase their demand for money.

Figure 10.8 “An Increase in Money Demand” shows an increase in the demand for money. Such an increase could result from a higher real GDP, a higher price level, a change in expectations, an increase in transfer costs, or a change in preferences.

Figure 10.8 . An Increase in Money Demand. An increase in real GDP, the price level, or transfer costs, for example, will increase the quantity of money demanded at any interest rate r, increasing the demand for money from D1 to D2. The quantity of money demanded at interest rate r rises from M to M′. The reverse of any such events would reduce the quantity of money demanded at every interest rate, shifting the demand curve to the left.

Self Check: Demand for Money

Answer the question(s) below to see how well you understand the topics covered in the previous section. This short quiz does not count toward your grade in the class, and you can retake it an unlimited number of times.

You’ll have more success on the Self Check if you’ve completed the Reading in this section.

Use this quiz to check your understanding and decide whether to (1) study the previous section further or (2) move on to the next section.

• Principles of Macroeconomics Chapter 10.2. Authored by : Anonymous. Located at : http://2012books.lardbucket.org/books/macroeconomics-principles-v1.0/s13-02-demand-supply-and-equilibrium-.html . License : CC BY-NC-SA: Attribution-NonCommercial-ShareAlike

260 Money Topics to Write About & Essay Examples

Looking for a topic about money? Money won’t leave anyone indifferent! There are lots of money essay topics for students to explore.

🏆 Best Money Essay Examples & Ideas

👍 good money essay topics, 💡 easy money topics to write about, 📃 interesting topics about money, 📑 good research topics about money, 📌 most interesting money topics to write about, ❓ research questions about money.

You might want to focus on the issue of money management or elaborate on why money is so important nowadays. Other exciting topics for a money essay are the relation between money and love, the role of money in education, etc. Below you’ll find a list of money topics to write about! These ideas can also be used for discussions and presentations. Money essay examples are a nice bonus to inspire you even more!

• Can Money Buy You Happiness? First of all, given that happiness is related to the satisfaction of personal needs, there is also a need to consider the essential need of human life such as housing, medicine, and food.
• Connection Between Money and Happiness Critical analysis of money-happiness relationship shows that socioeconomic factors determine the happiness of an individual; therefore, it is quite unsatisfactory to attribute money as the only factor and determinant of happiness.
• I Don’t Believe Money Can Buy Happiness This shows that as much as money is essential in acquisition and satisfaction of our needs, it does not guarantee our happiness by its own and other aspects of life have to be incorporated to […]
• Money, Happiness and Relationship Between Them The research conducted in the different countries during which people were asked how satisfied they were with their lives clearly indicated the existence of a non-linear relationship between the amount of money and the size […]
• Money as a Form of Motivation in the Work Place This then shows that money can and is used as a motivational factor in the work place so that employees can strive to give their best and their all at the end of the day.
• Money: Good or Evil? Comparing & Contrasting While there are those amongst us who subscribe to the school of though that “money is the source of all evil”, others are of the opinion that money can buy you anything, literary.
• Strategies to Save and Protect Money Thus, the main points of expenditure will be clearly marked, which will help to exclude the purchase of unnecessary goods and services.
• Does Money Buy Happiness? Billions of people in all parts of the world sacrifice their ambitions and subconscious tensions on the altar of profitability and higher incomes. Yet, the opportunity costs of pursuing more money can be extremely high.
• Should America Keep Paper Money It is possible to begin the discussion of the need for keeping paper currency from referring to the rights of any people.
• The Global Media Is All About Money and Profit Making It is noteworthy that the advertisement are presented through the media, which confirms the assertion that global media is all about money and profit making. The media firms control the information passed to the public […]
• Money and Modern Life The rich and the powerful are at the top while the poor and helpless are at the bottom, the rest lie in-between.
• Discussion: Can Money Buy Happiness? Reason Two: Second, people are psychologically predisposed to wanting more than they have, so the richer people are, the less feasible it is to satisfy their demands.
• Time Value of Money: Importance of Calculating Due to fluctuations in economies, all organizations need to take into consideration concepts of the time value of money in any investment venture.
• Relation Between Money and Football In the English league, clubs have been spending millions to sign up a player in the hope that the player will turn the fortunes of the company for the good.
• Opinion on the Importance of Money In the absence of money, individuals and organizations would be forced to conduct transactions through barter trade which is a relatively challenging system due to existence of double coincidence of wants.
• Why People Should Donate Time, Money, Energy to a Particular Organization, Charity, or Cause Its vision is to have a world that is free from Alzheimer’s disease.”The Alzheimer’s Association is the leading, global voluntary health organization in Alzheimer’s care and support, and the largest private, nonprofit funder of Alzheimer’s […]
• Anti-Money Laundering and Hawala System in Dubai To prevent money launders and agents, most countries enacted the anti-money laundering acts with the goal of tracking and prosecuting offenders.
• Money or Family Values First? Which Way to Go As such, family values becomes the epicenter of shaping individual behavior and actions towards the attainment of a certain good, while money assumes the position of facilitating the attainment of a certain good such as […]
• Anti Money Laundering and Financial Crime There are a number of requirements by the government on the AML procedures to be developed and adopted by the firms in the financial service in industry in an attempt to fight the illegal practice.
• Money Laundering: Most Effective Combat Strategies The practice of money laundering affects the economy and security of a country. Countries have directed their efforts to curb money laundering to control the downwards projections of their countries’ economies.
• Why Money Is Important: Benefits & Downsides The notion originated from the Bible because the person who made Jesus suffer on the cross was enticed by the love of money to forsake Jesus.
• Money, Happiness and Satisfaction With Life Nonetheless, the previously mentioned examples should be used to remind us that money alone is not a guarantee of happiness, satisfaction with life, and good health.
• Money and Its Value Throughout the World History What is important is the value that people place on whatever unit they refer to as amoney.’ Money acts as a medium of exchange and an element of measurement of the value of goods and […]
• Electronic Money: Challenges and Solutions First of all, it should be pointed out that money is any type of phenomenon which is conventionally accepted as a universal carrier of value, or “any generally accepted means of payment which is allowed […]
• Drugs: The Love of Money Is the Root of All Evils The political issues concerning the use of drugs consist of, but not limited to, the substances that are defined as drugs, the means of supplying and controlling their use, and how the society relates with […]
• Efforts to Raise Money for Charity However, the point is that charity is supposed to be for a simple act of giving and not expecting any returns from it.
• Money and Happiness in Poor and Wealthy Societies Comprehending the motivations for pursuing money and happiness is the key to understanding this correlation. The Easterlin paradox summed this view by showing that income had a direct correlation with happiness.
• Success and Money Correlation The development of the information technologies and the ongoing progress led to the reconsideration of the values and beliefs. It is significant to understand that there is no right or wrong answer for the question […]
• Dreams of Avarice in Ferguson’s “The Ascent of Money” The chapter “Dreams of Avarice” of the book “The Ascent of Money” explores different stages of development of money functioning in the world by relating them to corresponding historical events.
• Park Avenue: Money, Power and the American Dream – Movie Analysis It can be taken as the national ethos of the citizens of the USA. The basis of the American society is broken and it is not united anymore.
• Money Saving Methods for College Students A budget is one of the methods that a college student can use to save money. In the budget, one should indicate how much to save and the means of saving the money.
• Edwin Arlington Robinson: Money and Happiness in “Richard Cory” It is evident that money cannot guarantee happiness in one’s life due to the uncertainties that surround each one of us.
• Change in the Value of Money According to Keynes To explain the effect of inflation on investors, Keynes delves into the history of inflation through the nineteenth century and tries to explain the complacency of investors at the beginning of the First World War […]
• Money Laundering Through Cryptocurrencies This study will try to critique the approaches used by countries to address the aspect of money laundering activities and the risks posed by digital currencies.
• Money and Banking: General Information The essay gives the definition of money and gives a brief description of the functions of money. As a store of value, money can be saved reliably and then retrieved in the future.
• Two Attitudes Towards Money The over-dependence on money to satisfy one’s emotional needs is a negative perspective of money. The positive attitude of money is rarely practiced by people.
• The Lebanese-Canadian Bank’s Money Laundering The bank was later banned from using the dollar by the American treasury; this resulted in the collapse and eventual sale of the bank.L.C.B.had to pay a settlement fine of one hundred and two million […]
• Giving Money to the Homeless: Is It Important? The question of whether a person should give money to a homeless person or not is a complicated one and cannot have the right answer.
• Where Does the Money Go? by Bittle & Johnson Therefore, the authors explain key issues of the national debt in a relatively simple language and provide their opinion on how the country got into that situation and what could be done about it. In […]
• Anti-Money Laundering in Al Ansari Exchange Case Study Details Company name: Al Ansari Exchange Headquarters: Dubai, United Arab Emirates Sector: Financial Services Number of employees: 2500 Annual gross revenue: UAED 440.
• “From Empire to Chimerica” in “The Ascent of Money” In the chapter “From Empire to Chimerica,” Niall Ferguson traces back the history of the Western financial rise and suggests that nowadays it is being challenged by the developing Eastern world. The hegemonic position of […]
• Paper Money and Its Role Throughout History The adoption of the paper money was considered to be beneficial for both the wealth of the country and the individual businessmen.
• Artworks Comparison: Les Demoiselles d’Avignon and Tribute Money Though the Les Demoiselles d’Avignon, a fresco created by Picasso, was created in an entirely different epoch than Masaccio’s Tribute Money was, the two artworks still share a range of stylistic, compositional and conceptual similarities, […]
• Money, Success, and Relation Between Them In particular, the modern generation attaches so much importance to money in the sense that success and money are presumed to be one and the same thing.
• The Relationship Between Money Supply and Inflation It is evidenced that changing the money supply through the central banks leads to a control of the inflationary situations in the same economy.
• Prices Rise When the Government Prints too Much Money Makinen notes that an increase in the supply of money in an economy relative to the output in the economy could lead to inflationary pressure on prices of goods and services in the economy.
• Money: Evolution, Functions, and Characteristics It acts as medium of exchange where it is accepted by both buyers and sellers; the buyer gives money to the seller in exchange of commodities.
• Money Laundering Scene in Police Drama “Ozark” In one of the first season’s episodes, Marty, the main character, illustrates the process of money laundering crime. In the scene, one can see that Marty is fully sane and is committing a crime voluntarily.
• Money From the Christian Perspective Work in Christian missions is a business and since it affects the relationship between the missionary and the people he is trying to reach, missionary funding is essential.
• Business Case Scenario: Missing Money in a Company A possible scenario explaining how money is missing is through the payroll department my first argument seeks to prove the payroll department as the loophole of the company’s misfortunes.
• Sports Stadiums’ Funding by Public Money The issue is controversial from an ethical point of view since not all citizens whose taxes can be spent on the construction of the stadium are interested in or fond of sports.
• Money Laundering: The Kazakhgate Case He was accused of breaking the Foreign Corrupt Practices Act of 1974 and money laundering by the U.S.attorney’s office for the Southern District of New York.
• The Ways Terrorists Raise and Move Money Moreover, the government has put into action the freezing orders and blocking of united states individuals who are presumed to have a hand in terrorist activities.
• “Money as a Weapon” System and Fiscal Triad Furthermore, the fiscal triad encompasses the procurement of products and services and the disbursement and accounting of public funding. Fiscal legislation and contracts are two key components of the “money as a weapon” system.
• The Fiscal Triad and Money as a Weapon System The reliance on the unit commanders sparked the development of the complementary strategy, “Money as a Weapon System,” which became a focal point of the Iraq and Afghanistan campaigns.
• Saving Money Using Electric or Gas Vehicles The central hypothesis of the study is that the electric car will save more money than gas ones. The main expected outcome that the study is counting on is a confirmation of the presented hypothesis […]
• Traditional vs. Modern Forms of Money The most significant argument for the continuing existence of traditional forms of money is the impossibility of converting all financial resources into a digital form.
• Time Value of Money: What You Should Know The time value of money is a paramount financial concept, according to which a certain amount is now worth more than the same amount in the future.
• The Concept of the Time Value of Money The concept of the time value of money refers to the financial principle noting that a fixed amount of money currently is worth more than the same amount of money in the future.
• Play Money Paper: A Report Betas of the Companies in the Portfolio It is noteworthy that in the given portfolio, the beta indices of the companies involved vary considerably.
• Integration of Business Ethics in Preventing Money Laundering Schemes The shipping information within the document seems inaccurate with the intention to launder money from the buyer. The contribution of ocean carrier in the transaction process is doubtful to a given extent.
• Trade-Based Money Laundering The purpose of this paper is to research the subject of trade-based money laundering, its impact on global scene and export controls, identify types of trade finance techniques used to launder illegal money, and provide […]
• Impact of Natural Disasters on Money Markets and Investment Infusion of funds from the central bank during natural disasters results in higher process of exports as a direct result of an increase in the value of the local currency.
• The Perception of Money, Wealth, and Power: Early Renaissance vs. Nowadays In the Renaissance period, power was a questionable pursuit and could be viewed as less stable due to more frequent upheavals.
• Financial Institutions and Money Money is a store of value because it can be saved now and used to purchase se goods and services in the future.
• Researching of the Time Value of Money After receiving the loan, one of the monetary policies that would help PIIGS to stabilize is the deflation of their currency, in this case, the Euro.
• Anti-Money Laundering: Financial Action Task Force Meanwhile, given the limited access for physical assessment of state jurisdictions, it is likely that current provisions of FATF are yet to be revised in spite of pandemic travel and assessment restrictions.
• Anti-Money Laundering in the UK Jurisdiction The regime adopted in the UK is based on the provisions of “the Terrorism Act of 2000, the Proceeds of Crime Act of 2002, as well as the Money Laundering, Terrorist Financing, and Transfer of […]
• Trade-Based Money Laundering and Its Attractiveness The proliferation of the trade-based money laundering is directly related to the growing complexity of international trade systems, where new risks and vulnerabilities emerge and are seen as favorable among terrorist organizations seeking for the […]
• Money Laundering and Sanctions Regulatory Frameworks Under the provisions of OFAC, the company has violated the cybersecurity rules that might indirectly bring a significant threat to the national security or the stability of the United States economy by engaging in online […]
• Type Borrowing Money: Margin Lending In the defense of the storm financial planning firm, BOQ submitted to the authorities that in view of banking regulatory policies, storm had not contravened any of the policies and this is the reason why […]
• Lessons on Financial Planning Using Money Tree Software Financial planning remains a fundamental function among the investors in coming up with a method of using the finances presently and in the future.
• The Supply of Money in the Capitalist Economy In the capitalist economy that the world is currently based on, the supply of money plays a significant role in not only affecting salaries and prices but also the growth of the economy.
• Time Value of Money Defined and Calculations Simply put, the same value of money today is worth the same value in future. The time value of money can therefore be defined as the calculated value of the money taking into consideration various […]
• Money Tree Software: Financial Planning This return is important because: It represents the reward the business stakeholders and owner of the business get in staking their money on the business currently and in the future It rewards the business creditors […]
• Money Management: Investment on Exchange-Traded Funds The essay will discuss the possibility of investing in a number of selected ETFs in connection to an investment objective of an individual.
• What Is Money Laundering and Is It Possible to Fight It Certainly and more often money involved in laundering is obtained from illegal activities and the main objective of laundering is to ‘clean’ the dirty money and give it a legitimate appearance in terms of source.
• Time Value of Money: Choosing Bank for Deposit The value of the money is determined by the rate of return that the bank will offer. The future value of the two banks is $20,000 and $22,000 for bank A and bank B respectively.
• How Money Market Mutual Funds Contributed to the 2008 Financial Crisis While how the prices of shares fell below the set $1 per share was a complex process, it became one of the greatest systemic risks posed by the MMMF to the investors and the economy […]
• Time Value of Money From an Islamic Perspective Islamic scholars say that the time value of money and the interest rates imposed on money lent are the reasons why the poor keep on getting poor and the rich richer.
• Rational Decision Making: Money on Your Mind The mind is responsible for making financial decision and it is triggered by the messages we receive on the day to day activities. Lennick and Jordan explain that, we have two systems in the brain; […]
• A Usability Test Conducted on GE Money.com.au It is common knowledge that the easier it is to access services and products on a given website the more likely users will be encouraged to come back.
• “Most Important Thing Is Money Ltd”: Vaccination Development Thus, necessary powers have been vested with the Secretary of State for Health in England, through the recommendations of the Joint Committee on Vaccinations and Immunisation to enforce such preventive steps, through necessary programs that […]
• Money Investments in the Companies and Bonds The stock volume is on the low level now, about 30, but it is connected with the crisis in the world and the additional investment may support the company and increase it. In general the […]
• Money Management in the Organization There is a much debate on the issue and several people an financial experts do analyze the historical perspectives of the Active vs Passive money management.
• How the Virus Transformed Money Spending in the US In the article featured in the New York Times, Leatherby and Geller state that the rate at which people spend their money has rapidly decreased due to the emergence of the virus in the United […]
• The Role of Money and Class Division in Society The image of modern American society tries in vain to convey the prevalence of personality over social division. Americans’ perception of financial status has been shaped for years by creating the notion of the “American […]
• Money and American Classes in 1870-1920 Wherein, the time of the stock market emergence was the time of the ongoing “carnival,” where the mystical power of money transferred to miraculous products and medicines and compelling advertisements.
• The Ascent of Money – Safe as Houses Looking from a broad historical perspective, Niall Ferguson devotes the chapter “Save as Houses” to the observation of the real estate concept transformation, describes the place of the real estate market in the economic systems […]
• The Ascent of Money – Blowing Bubbles The price for a share tells how much people rely on the cost of the company in the future. The life of a stock market represents the reflection of human moods on the price of […]
• Canada’s Role in the History of Money: The Relationship Between Ownership and Control Individuals with the predominant shares gain the directorship of the wealth production channels and as such gain control of the diversified owners.
• Why Non-Monetary Incentives Are More Significant Than Money It is important to recognize that both monetary and non-monetary incentives, otherwise known as total rewards, are offered to employees in diverse ways for purposes of attracting and motivating them to the ideals of the […]
• To Make Money or Serve the Society? However, when the issue of the corporation to serve the society arises, then it kind of compromises the main focus of the corporation, which is to make money. These have been the major causes of […]
• Money Role in Macro Economy The dollar is till now the most accepted currency in the world and this dollar fluctuation that has been caused by the worst recession in American history since the time of the Great Depression is […]
• Two Attitudes Toward Money Two attitudes toward money involve negative perception of money as universal evil and positive perception of money as source of good life and prosperity.
• Organizational Communication & the “Money” Aspect While the use of this information is critical for both ensuring survival of the organization and being a frontrunner in its strategies for the future, there are large boulders in use of this information effectively, […]
• Tax Money Usage on Military Spending Issue The fact that America won the Cold War and defeated the Soviets is taken as a vindication by the American leaders of the need to continue military spending.
• Money Makes You Happy: Philosophical Reasoning It is possible to give the right to the ones who think that money can buy happiness. This conclusion is not accepted by psychologists who think that wealth brings the happiness only in the moment […]
• “Who Says Money Cannot Buy Happiness” by Lee Investment is a production process for will it bring about goods and services that can be sold to the market and in the process, the owner of the business makes some profit.
• Technical Analysis as Active Money Management Method Technical analysis is the financial markets methodology that asserts the capability to foretell the probable course of security charges by the means of past market data study, principally price and volume.
• Spare Change: Giving Money to the “Undeserving Poor” To address the central theme of the article, one need to delve deeper into the psyche of giving alms and money to the poor people we meet on the street.
• The Use of Money in Business Practices Money is seen as the cause of problems and especially in the minds of emerging market respondents. Through this they can pick up groceries for the old in their neighborhood and make money from this.
• Money Laundering and Terrorist Finance However, the balance money after the sham gambling is transferred to another ordinary bank account, thereby creating a legal status for the laundered money as if it has come from gambling and will be employed […]
• City Planning. Too Much Money: Why Savings Are Bad The scenario is that the expected growth in economies where the rate of savings is high has not shown a corresponding increase in growth rate also.
• Debates in Endogenous Money: Basil Moore The value of the currency was determined by the value of the precious metal used to mint the currency. From the time Federal Reserve took control of money and credit, economic consistency is attained by […]
• Money and Banking. Financial Markets The essay will examine the essence and the importance of the above-mentioned financial phenomena and see how their interrelation, especially in the negative context, can influence the state of things in society.
• Money and Justice: High-Profile Cases It is estimated that thousands of persons bracketed in the ‘poor’ sector of society go to jail annually in the United States without having spoken to a lawyer.
• Accounting for Public Money After Railway Privatization There were very many problems prior to the railway privatization in 1990.one of the problems that led to the privatization of the railway line in the UK was the misappropriation of taxpayers’ money.
• Time Value of Money and Its Financial Applications The time value of money refers to the idea that money available at the present time is worth more than the same amount in the future, due to its potential earning capacity.
• Time Value of Money in Examples Therefore, re-purchase of the shares appeals to the managers of the company because it will allow the company uses the money to regenerate more money for the purpose of repurchase the shares in the future.
• Wall Street Managers: The Art of Making Money In the end, the goal of Wall Street managers is to ensure optimal returns in all of their investments. The evolution of Wall Street managers is etched in the history of financial markets.
• Money Laundering in the USA and Australia The International Money Fund has established that the aggregate size of money laundering in the World is approximately four percent of the world’s gross domestic product.
• Locke’s Second Treatise of Government and Voltaire’s Candide’s Value on Money Both written at a time when philosophers had started questioning the relevance of capitalism and the concept of wealth creation, it is evident that the two authors were keen on explaining the power of money […]
• The Concept of Money Laundering The first issue I have learned is that the main problem lies in the presence of Big Data that includes trillions of transactions of various financial organizations and systems.
• Fraud, Money Laundering, and Terrorism Financing After the audacious attack by Al-Qaeda and the destruction of the Twin Towers on 11th of September 2001, terrorism was declared the number one enemy to the peace and stability of the modern world.
• Time Value of Money – Preparing for Home Ownership The purchase price of the house is determined by using the following formula in Excel. 66 The down payment is 20% of the future value of the house, i.e, $40,278.13.
• Martin Van Buren: Money and Indian Relocation One of the reasons for such collaboration and understanding is the focus on the values we have. I believe this path will bring us to the land we all would like to live in.
• The General Theory of Employment, Interest and Money Money is a determinant of the propensity to consume; hence, the more money one makes, the more that he or she consumes and the converse is the case.
• The Practice of Saving Money Knowledge of the language is also a very crucial component of EAP as it aids the learner in understanding questions and responding to them in their examinations.another differentiating factor between the two varieties of English […]
• Money Market and Value-Based Pricing Consequently, the GDP can be defined by the equation: Y=C+I+G+NX where: Y= Total GDP, C=Consumption by household, I=Investment, G=Government expenditure, NX=Net Exports Net Domestic product entails the reduction of the GDP by the depreciation of […]
• How Money Markets Operate? Furthermore, only free markets have shown the resilience that is necessary to accompany the fluctuations in demand and supply of the money markets.
• Access Right to Money: Sculpture Theft Among the suspects, there are those in dire need of the money due to financial problems, while others need the values worth of the item and not the actual monetary price attached to the item.
• History of Money in Spain The production of coins melted from gold also ceased in the year 1904, with the production of that melted from silver ceasing in the year 1910.
• Money Flows and Financial Repression in the US and China From the article, the authors depict how the interest rates in developed countries like the United States compare with those of the emerging markets such as China, India, and Brazil.
• Management: “Marketplace Money” and “Undercover Boss” In this case, the accents are made on the support of the healthy workforce in order to guarantee the better employees’ performance and on the idea of rewards as the important aspects to stimulate the […]
• Money Compensation for Student-Athletes Besides, sports are highly lucrative for colleges, and students whose labor brings the revenues should share the part of them not to lose the interest in such activities.
• Chapters 1-3 of “Money Mechanics” by David Ashby The retained amount of money in the commercial bank is the primary reserve. The banks can decide to reduce their working reserve, and the money obtained is transferred to the excess reserve fund in accounts […]
• Banking in David Ashby’s “Money Mechanics” Changes in prices may not have a direct effect on the gross domestic product and the planned expenditures because this is determined by the money that is in supply. This causes the GDP and prices […]
• Karl Marx on Commodities, Labor, and Money Division of labour is very important in the production of commodities. The use-value of each commodity contains useful labour.
• The UAE Against Money Laundering and Terrorism Financing This valuation of the anti-money laundering and combating the financing of terrorism government of the United Arab Emirates is founded on the forty endorsements and the nine special commendations on extremist supporting of the monetary […]
• UAE Anti-Money Laundering Laws and Their Benefits The legal maintenance of counteraction to the legalization of criminal incomes is carried out by means of a system of laws and regulations, controlling financial, bank, and customs relations and establishing the order of licensing […]
• Money, Their Features, Functions and Importance The first hindrance is the inability of the household to monitor the activities of firms. In this case, it is used to state the value of debt.
• Happiness Without Money in Sociology and Psychology The tendency’s mechanics are simple – being in the possession of any substantial sum of money increases a person’s chance to secure a dominant status within the society, which in turn will result in strengthening […]
• Money Market Development Factors The money market is one of the fundamental elements in the functioning of any state. Under these conditions, the gradual rise of technologies and their implementation in the sphere of financial operations alter the money […]
• “God’ Money is Now My Money” by Stanley Seat It could be said that different priorities and the lack of time for supervision of the employees are the critical reasons for the violation of rules and high frequency of fraud in the religious institutions […]
• International Money Laundering Thus, money laundering has a profound impact on the state of the global economy, as well as on the economy of the U.S.
• Cybercrime and Digital Money Laundering The result of the investigation was the indictment of Western Express and a number of the company’s clients for several charges including stolen credit card data trafficking and money laundering.
• Hawala Remittance System: Anti-Money Laundering Compliance The existence and operation of money remittance systems is one of the primary features of developing economic relation at all scales from local to the global ones.
• Time Value of Money in Economies of Scale Also, the investigation of the VoF becomes easier by means of scrutinizing the tradeoff between the TVM and the EoS. The TVM is also employed to reach the integration of infrastructure investment valuation and risk […]
• Time Value of Money in Investment Planning The author of the post makes a good point that an amount of money is worth more the sooner it is received.
• David Leonhardt: May Be Money Does Buy Happiness After All The case study of Japanese citizens that support Easterlin paradox do not factor in the confounding psychological effects of the Second World War on the entire population and the country.
• Illegal Drug Use, Prostitution and Money Laundering Upon discussing the impact of money laundering, illegal drugs, and prostitution, the paper proposes the issuing of a court order restraining the use of wealth acquired from victimless crimes as one of the approaches to […]
• Getting Beyond: Show Me the Money Nevertheless, underpayment and overpayment are common, leading to dissatisfaction. Notably, compensation is part culture, but analytics will gain traction in the big data era, as start-ups leverage such advantages from experts to manage a sales […]
• Space Programs: Progress or Waste of Money? According to Ehrenfreund, the ingenuity to develop technologies and work in space is part of the progress that comes from space programs. Space programs have led to the development of technologies that improve air transport.
• “The Money Machine: How the City Works” by Coggan The media plays a chief role in educating the public concerning the various financial matters that affect the undertakings of the City.
• Money Evolution in Ancient Times and Nowadays In the means to defining what money is, most of the scholars from the psychological and physiological field have come up with the theoretical aspects of money and the ways it influences the economic growth […]
• Fraud and Crime Theory in the “Black Money” Movie The movie shows the irregularities involved in the acquisition of arms for the Saudi government. The movie is a perfect display of the international crimes and financial fraud that has been on the rise in […]
• Mercantilism, Stamped Money, and Under-Consumption It is paramount to note that he criticizes ideas of Ricardo quite frequently, and he believed that he did not consider the ideas that were suggested by other prominent economists.
• Money Evolution in the 21st Century and Before The history of the world cannot be described effectively without identifying the function of money. Money has been used to measure the value of resources and financial markets.
• Financial Crisis in Ferguson’s “The Ascent of Money” By Ferguson, the main purpose of the historian is to relieve humanity from the financial illusions on the examples of the past.
• Monetary Policy in “The Ascent of Money” by Ferguson The rise of Babylon is closely linked to the evolution of the concept of debt and credit; without bond markets and banks, the brilliance of the Italians would not have materialized; the foundation of the […]
• The Airtel Money Service: Indian and African Paths When comparing the Indian and African paths in introducing the service, the first difference that arises is the main user of the service as in the case of India, it was the lower middle class.
• Money History, Ethical and Social Standarts
• World Money History in the 20th Century and New Objects of Value
• Locke’s Work on Interest and Value of Money
• Money in the “Sheriff of Cape Breton” Case Study
• Medieval England in “Treatise on the New Money”
• Blowing Bubbles in Ferguson’s “The Ascent of Money”
• Treatise on the New Money: Document Analysis
• Human Bondage in Ferguson’s “The Ascent of Money”
• Money History, Bonds, Market Bubbles, and Risks
• Park Avenue: Money, Power and the American Dream
• Deflation in the Quantity Theory of Money
• Money, Its Purpose and Significance in History
• “Who Stole the Money, and When?” by Greenberg
• Money History From the Middle Ages to Mercantilism
• Money Development From 600 BC to Nowadays
• Money Development and Its Stages in World History
• Market Society in “What Money Can’t Buy” by Sandels
• Employee Theft in “Who Stole the Money, and When?”
• European Union Anti-Money Laundering Directive
• T-Shirts “SENIOR 2016” and Time Value of Money
• Time and Money in “Neptune’s Brood” by Charles Stross
• “College Is a Waste of Time and Money” by Bird
• Virgin Money Company’s Business Model in Canada
• Money in History and World Cultures
• Is College Education Worth the Money
• Weddings, Marriage, and Money in the UAE
• Money and Happiness Connection – Philosophy
• The Ascent of Money: A Financial History of the World
• “Art for Money’s Sake” by William Alden
• Money’s and Banking’ Concepts
• Central Bank of Bahrain and Money Supply Regulation
• Psychological Research: Money Can Buy Happiness
• Finance: The History of Money
• Finance in the Book “The Ascent of Money” by Niall Ferguson
• Criminal Law: Blood Money From the Human Organs Sale
• Money as an Emerging Market Phenomenon
• Cyber-Crime – New Ways to Steal Identity and Money
• The Case of Stolen Donation Money
• Time Value of Money
• Money and Banking: The Economic Recession of 2007
• Money and Banking: David S. Ashby’s Perspective
• Christian Moral Teaching and Money
• Money and Capital Markets: Turkey, India and China
• Money and Capital Markets: Central Banks
• Exploring the Relationship Between Education and Money
• Anti Money Laundering and Combating the Financing of Terrorism
• Mobile Money Transfer as an Alternative Product for Vodafone Group Plc
• UK and USA During the Period 2000-2010: Consumer Price Index, Unemployment Rate, Money Supply and Interest Rate
• Are Workers Motivated Mainly by Money?
• Money Mechanics in the U.S.
• Money and Markets vs. Social Morals
• Money Laundering In Saudi Arabia
• Inflation Tax – Printing More Money to Cover the War Expenses
• Banks and the Money Supply
• Money Mechanics in Banks System
• Money Laundering In Russia
• Money and Work Performance
• Sports and Money in Australia
• Money Supply and Exchange Rates
• Mobile Money Transfer Service
• Central Banking and the Money Supply
• The Different Roles Played By the Central Bank, Depository Institutions, and Depositors in the Determination of Money Supply
• Jean-Jacques Rousseau and Karl Marx: The Role of Money in Human Life
• How Saudi Banks Deal With Money Laundery
• The Ascent of Money
• Niall Ferguson’s ‘The Ascent of Money’
• Role of Money in the American Dream’s Concept
• Money, Motivation and Employee Performance
• Money and Commodity Circulatory Processes
• Motivate Your Employees produced by BNet Video for CBS Money Watch
• We Should Use Tax Money to Enforce Mandatory Drug Treatments on Drug
• The World Surrounded by Money
• The World of Money
• Federal Reserve; Money and Banking
• Ways to Spend Money in Saudi Arabia
• Sports Industry: Morality vs. Money
• Making Money on Music: The Company That Has to Stay Afloat
• Federal Reserve and the Role of Money in It
• What Do Money and Credit Tell Us About Actual Activity in the United States?
• What Influence Does Money Have on Us Politics?
• Can Money Change Who We Are?
• Does Government Spending Crowd Out Donations of Time and Money?
• Does More Money Mean More Bank Loans?
• Are Corporate Ceos Earning Too Much Money?
• Did the Turmoil Affect Money-Market Segmentation in the Euro Area?
• How Appealing Are Monetary Rewards in the Workplace?
• How Does Inflation Affect the Function of Money?
• Can Banks Individually Create Money Out of Nothing?
• Are Credit Cards Going to Be the Money of the Future?
• Does Money Protect Health Status?
• Can Cryptocurrencies Fulfill the Functions of Money?
• What Tools Used by the Federal Reserve to Control Money Supply?
• Are Athletes Overpaid Money Professional Sports?
• Does Electronic Money Mean the Death of Cash?
• What Does Motivate Employees and Whether Money a Key?
• What Are the Three Functions of Money?
• Are Gym Memberships Worth the Money?
• Does Broad Money Matter for Interest Rate Policy?
• Does Money Help Predict Inflation?
• Does One’s Success Depend on the Amount of Money a Person Earns?
• How Does Federal Reserve Control the Money Supply?
• Does Interest Rate Influence Demand for Money?
• Does Commodity Money Eliminate the Indeterminacy of Equilibria?
• Are College Degrees Worth the Money?
• Can Money Matter for Interest Rate Policy?
• How Banks Create Money and Impact of Credit Booms?
• How Can Virtualization Save Organization Money?
• Can Money Diminish Student Performance Disparities Across Regions?
• Chicago (A-D)
• Chicago (N-B)

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138 Research Topics on Money - Essay Topics, & More

Welcome to our list of money essay topics! Here, we’ve collected the most interesting research topics about money, titles for essays, presentation ideas, and even samples. Use them to get inspired!

🏆 Best Essay Topics on Money

✍️ money essay topics for college, 👍 good money research topics & essay examples, 🎓 most interesting research topics about money.

• 💡 Simple Money Topics to Write About

❓ Research Questions About Money

• Can Money Always Buy Everything You Want?
• The Philosophy of Money by Georg Simmel
• Comparison Between Love and Money in Life
• Why Men Spend More Money Than Women?
• Money and Expenditures: Personal Opinion
• Money Issues in Romantic and Marital Relationships
• How to Teach Children to Value Money
• Aspects of Money Management The paper states that money management is a critical skill, which will help improve the financial well-being and reduce the stress associated with money.
• Stealing Money From Corporations Stealing money from corporations affects the financial sector of the business and economy and reflects the ethical issues of the act.
• Money to Charity: Moral Differences Many families across the globe continue living below the poverty line and cannot meet their basic needs like food, health, or even sleep.
• Financial Planning. Money Management Skill Financial literacy can be defined as knowledge about financial planning and management that allows making reasonable choices about money spending and saving.
• Bitcoin: The Use of the Digital Money The paper has elaborated Bitcoin is used, its features, and its impacts on society. The digital currency has features similar to other currencies, such as durability.
• Metaphysical Secrets of Manifesting Money Abundance Money is one of the most important influencing factors in modern life. Some scholars single it out as one of the three most distorting forces of human existence.
• History and Role of the Money Money is any commodity or token that serves as a medium of exchange that is legally and socially acknowledged in payment for services and goods and in the disbursement of debts.
• Time Value of Money in a Medical Organization A medical organization may use the concepts of the “time value of money” and “useful life” to organize the purchase of new equipment and to calculate the depreciation expenses.
• Art’ and Money Relations While the cultural value of many artworks exceeds material dimensions, it is hard to imagine how the masterpieces would be preserved without being involved in commodity-money relations.
• Monetary Theory and Policy. Money in the Utility Function Money is an asset, making positive or negative or some other functional effect. Goods, demands, propositions are constantly dependent on the money supply.
• Money Issues in a Relationship In the contemporary world, both men and women contribute equally to the economy of the household. This has changed the household role of men from being the sole breadwinners.
• Tradesmart Inc.: The Money-Back Guarantee Tradesmart Inc. is a fairly broad marketplace, which, in addition to low prices, also provides customers with a unique policy of returning money for the goods.
• “Where Does the Money Go?” by Scott Bittle and Jean Johnson In their book Where Does the Money Go?, Scott Bittle and Jean Johnson focus on the growing national debt of the United States and examine inefficiencies that led to the crisis.
• Money and Relationship in King Lear by Shakespeare King Lear, one of Shakespeare’s most well-known tragedies, is a nihilistic story of destruction, money, and power conflicts that was originally performed in 1606.
• Foundations and Applications of the Time Value of Money This paper intends to discuss the concept of time value of money. The goal is to show that current cash flow is valued highly compared with future cash flows.
• Lloyd’s Tsb Bank Is Under Fire for Money Laundering Offense This research article discusses the role of the bank, either knowingly or unknowingly, in laundering the money obtained by cheating.
• “Money, Greed, and God: Why Capitalism Is the Solution and Not a Problem” by Jay Richards In his book “Money, Greed, and God,” Jay Richards, an American analytical philosopher, seeks to address the most common myths about capitalism.
• Aspects of Functions of Money Money is one of the vital tools in society. The paper looks at the feasibility of money-stably completing these functions in the near future.
• Money as a Means Rather Than a Result of Achieving Happiness The paper states that one can note that money is a tool that allows buying things that make a person happy, but money itself does not bring happiness.
• Is Money a Virtue or Evil: Discussion The study will have to document how money has been used in good ways through spreading the gospel and how it has been used in evil ways for personal or selfish purposes.
• Personal Finance: Turning Money Into Wealth There are many different bond kinds, and each has benefits and drawbacks for the parties involved. Municipal and corporate bonds will be reviewed in this session.
• Governmental Organizations: Value for Money Audits and Performance Audits Value for Money audit and performance audit have different objectives and complement each other, but neither is sufficient on its own to audit an organization’s performance.
• Divine Currency: The Theological Power of Money in the West Money in Christianity is a dangerous matter, which requires careful and proper management to stay on the path of Christ.
• Politics, Money, and Free Expression In 2011, the Supreme Court “decided that corporations and unions could contribute an unlimited amount of money to political campaigns.”
• Inflation and Increase in Money Supply Even though the increase in the money supply might stimulate the economy, it is a dangerous strategy, and the Federal Reserve has to act with caution.
• The Federal Reserve System and the Money Supply The Federal Reserve (FR) has three main tools to control the money supply in the economy: the discount rate, open market operations, and reserve requirements.
• Social Work Assignment: Gender, Money, and the Charity Organization Society Throughout the history of its development, the sphere of social work has witnessed the work of various contributors dedicated to achieving social equality.
• Money, Happiness, and Materialism Correlation The paper concludes that happiness doesn’t depend on material goods, and it should be understood that respect and empathy are superior to any material wealth.
• Daily Budget Cutting: Methods of Saving Money Nowadays, there are many more possibilities to spend additional money than in the past. Consequently, people should be more attentive to their budget and spending structure.
• Financial Management: Where Does the Money Go It is increasingly possible to hear about the importance of financial literacy in the modern world, which largely boils down to thoughtful money management.
• How Money Laundering Practices Violate Financial Ethics Corruption is one of the biggest problems a government can face, and in this blog, the author aims to explain how money laundering practices violate financial ethics.
• Forecasting and Time Value of Money Time value of money is a valuable instrument that helps comprehend the value of a currency in relation to a given period and significantly impact investing decision.
• Analysis of Anti-Money Laundering Strategies Money-laundering has been a significant problem for Canada because such a practice enables and facilitates many criminal activities such as drug trade, fraud or even global terrorism.
• Money Laundering, Corruption and Terrorism Issues Money laundering, corruption and terrorism are rife in East and Southern Africa is largely attributed to the abject poverty that at times seems to be endemic.
• Firms Raising Money Through Debt vs. Equity Debts as a source of operating funds can be from within or outside the company specifically individual borrowings or banks.
• Eastern and Southern Africa Anti-Money Laundering Group Money laundering, corruption and terrorism are rife in East and Southern Africa. This phenomenon is attributed to the abject poverty that seems to be endemic in this region.
• This American Life: Toxie Asset by Planet Money When recounting the story of Toxie, the reporters explain how “she” came to be, and how her life began at the peak of the housing market, progressed through the years.
• Montley Fool Money Guide: A Book’s Review It is an educative book that gives an insight into saving, spending, and investing. The author tries to bring out the foolish things people do with their money.
• Money Supply in the United States This essay discusses the money supply, what constitutes it, and the current supply in the US. It will also examine how the COVID-19 pandemic affected the M2 supply in the country.
• Finance, Currency Alternatives, and Money in the Bible The currency used in all countries nowadays is an example of fiat money, meaning that it lacks intrinsic value.
• ”Money Supply” Article by Enam Ahmed Analysis In this article, Enam Ahmed explains why central banks should use the Divisia approach to measure the effectiveness of monetary policies.
• York College Medical Center Managing Grant Money Despite numerous positive effects that financial recognition of the employees could bring to the general state of the center, free healthcare services are of higher priority.
• Men, Women & Money – How the Sexes Differ with Their Finances’ Article Review? Amy Livingston’s article Men, Women & Money – How the Sexes Differ with Their Finances provides comparative gender-related research.
• Can Money Buy Happiness? This article analyzes Sandy LaMotto’s research that money brings happiness and that selfish spending is associated with a good mood.
• What Does Money Have to Do With It? The policy-oriented toward providing judges with the information on the costs of sentencing types can be discussed as rather controversial.
• The Money Factor in Drug and Alcohol Treatment A vast number of individuals fail to take up drug treatment because they are unable to raise the money that is required to enroll in such a program.
• Exchange Rate and Price: U.S. and Chinese Money The exchange rate quotation is derived by stating the number of units of term currency that can be bought in terms of the unit currency, which is also known as the base currency.
• Entrepreneurship. Money in the Resource Equation Money is the least important part of the resource equation because starting a new business requires an entrepreneur’s ability to take risks.
• Macroeconomics: Monetary Policy in the United States There are various monetary policy tools which can be used by the fed in order to achieve its desired policy objectives.
• “Illegal Immigrants: They’re Money” by Rodrigez The focal point of the paper is to present a critical evaluation of Gregory Rodrigez’s article Illegal Immigrants: They’re Money.
• Illegal Immigrants – They Are Money The paper looks at the issue of “illegal immigrants” to the US from the perspective of their value to businesses as cheap labor and as a market for their goods like credit cards.
• “Rivers of Blood and Money” Article by Burden The article “Rivers of Blood and Money” by Burden takes a different approach when analyzing the issue of anti-Semitism and events before and during the Holocaust.
• Money and Happiness in Economic Theories The pursuit of additional wealth and income usually becomes addictive thereby reducing an individual’s time with their family members and friends and limiting their social life.
• Money and Politics in Healthcare Reform Having initiated the healthcare reform, President Obama met stiff opposition to the insurance and pharmaceutics lobby. It would be disadvantageous and made them lose revenue.
• Time Value of Money and Interest Rate Risk Time value of money (TVM) is a financial concept, which implies that money available to an individual or a company at the present time is much more valuable.
• How Can American Cities Raise More Money? One of the main ways through which urban governments in the United States can avert revenue problems is through prudent reduction of services that they currently offer.
• World Money: From the Eurodollar to the Sinodollar
• Treasury Operations, Bank Credit, and the Money Market
• Working From Home Can Earn You Money
• The Money Demand Function for the Euro Area: Some Empirical Evidence
• Trade Credit and the Money Market
• U.S. Domestic Money, Inflation and Output
• The U.S. Money Market and the Term Auction Facility in the Financial Crisis of 2007–2009
• Varying the Money Supply of Commercial Banks
• The Uses of the Money in the Six Century B.C
• Tight Money Policies and Inflation Revisited
• Working Through the Distribution: Money in the Short and Long Run
• Utilizing the Time Value of Money
• Women Are Working and Spending Money Same as Men
• Wall Street: Money Never Sleeps
• Velocity and Money Growth Variability: Evidence From Japan
• The Swiss Sovereign Money Initiative
• Velocity and the Variability of Anticipated and Unanticipated Money Growth in Malaysia
• The Translog Utility Function and the Demand for Money in the United States
• Why Money Talks and Wealth Whispers: Monetary Uncertainty and Mystique?
• Triodos Bank: Conscious Money in Action
• Transactions Costs, the Wage Rate, and the Demand for Money
• The Obsession With Money and the New Consumer Culture of the 1920s
• U.S. Banking and Money
• The Relationship Between Government Deficits, Money Growth and Inflation
• Understanding How Money Works

Simple Money Topics to Write About

• The Rules for Saving Money by Consolidating Debt
• Thinking About Monetary Policy Without Money
• The Relationship Between Economic Growth and Money Laundering
• Work Can Provide More Than Money
• Velocity and the Growth of Money in the United States, 1970-1985
• Trade, Money, and Employment in Intertemporal Optimizing Models of Growth
• Unemployment, Real Wages and the Money Supply in Australia
• The Money Demand and the Loss of Interest for the Euro in Romania
• Wealth, Financial Liberalization, and the Demand for Money in Japan
• The Relationship Between Mobile Money Technology and Financial Development
• U.S. Narrow Money for the Twenty-First Century
• Working for Little Money: Does Germany Need a Minimum Wage?
• Where Has the Money Gone? The Case of Value Added Tax Revenue Performance in Indonesia
• The Trouble With Money: A Prescription for America’s Financial Fever
• Why Most PPC Advertisers Lose Money?
• Unconventional Monetary Policy and Money Demand
• Winning Money Online With Web Analytics
• Utility Function Transformations and Money Illusion: Reply and Further Results
• The Relation Between Money, Income and Prices in South Africa
• York Times Victims Money Fund
• Why Isn’t Money Considered Capital in Economics?
• Tight Money and the Sustainability of Public Debt
• Wealth and How Money Influences People’s Lives
• Tight Money-Tight Credit: Coordination Failure in the Conduct of Monetary and Financial Policies
• Can Money Buy Happiness and Freedom?
• Does Money Equal Power in American Politics?
• Does Money Improve Academic Achievement?
• Does Ones Success Depend on the Amount of Money a Person Earns?
• What Are Some Fundamental Strategies for Saving Money?
• How Does Federal Reserve Control the Money Supply?
• How Does Inflation Affect the Function of Money?
• How Does Shakespeare Present the Issues of Love and Money in His Plays?
• How Does the RSPCA Persuade Us to Part With Our Money?
• How Money and Appearance Control the World?
• How Money Changes the Way We Think and Behave?
• How Money Has Become the Enemy of Our Society?
• How Money Was Created and the Basic Political Ideology of Money?
• How Much Money Does California Get From the Federal Government?
• What Are the Anticipations and the Nonneutrality of Money?
• What Is the Role of the State and the Hierarchy of Money?
• What Alternative Approaches to Money and Growth Are There?
• What Are the Statistical Mechanics of Money?
• What Is the Influence of Money on Medical Science?
• What Is the Development of a Money Attitude Scale?
• Will Money Increase Subjective Well-being?
• What Is the Structure and Performance of the Money Management Industry?
• Why Is There a Difficulty With the Optimum Quantity of Money?
• What Are the Distributions of Money in Model Markets of Economy?
• What Are the Monetary Policy Implications of Digital Money?

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StudyCorgi. (2022, February 11). 138 Research Topics on Money - Essay Topics, & More. https://studycorgi.com/ideas/money-essay-topics/

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StudyCorgi . "138 Research Topics on Money - Essay Topics, & More." February 11, 2022. https://studycorgi.com/ideas/money-essay-topics/.

StudyCorgi . 2022. "138 Research Topics on Money - Essay Topics, & More." February 11, 2022. https://studycorgi.com/ideas/money-essay-topics/.

These essay examples and topics on Money were carefully selected by the StudyCorgi editorial team. They meet our highest standards in terms of grammar, punctuation, style, and fact accuracy. Please ensure you properly reference the materials if you’re using them to write your assignment.

This essay topic collection was updated on January 8, 2024 .

Supply & Demand

• Economics /
• Supply & Demand /
• Discussion & Essay Questions

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Available to teachers only as part of the teaching supply & demandteacher pass, teaching supply & demand teacher pass includes:.

• Assignments & Activities
• Reading Quizzes
• Current Events & Pop Culture articles
• Challenges & Opportunities
• Related Readings in Literature & History

Sample of Discussion & Essay Questions

• What product or service could you never live without? 
• What product or service would you give up if its price went up 10%?
• What is the most compelling product introduced in the last five years?
• If Facebook started charging for usage, would you pay? How much?
• If Twitter started charging for usage, would you pay? How much?
• Do you think creating an appearance of scarcity, like Apple did during its iPhone launches, increases demand or makes the seller look like it doesn’t know how to supply a product?
• What product does not exist today for which you believe there is a market need?
• How has technology changed purchasing behavior?
• What was the most important technology innovation in the last twenty years?
• What products have inelastic demands? What products have completely elastic demands?
• Do you believe Ivy League colleges could charge any amount of money without affecting the number of people who apply?
• Should overweight people be required to pay more for health insurance than those who are not overweight? Should smokers be required to pay more than non-smokers?
• Which is better, the iPad or the Kindle?
• Google started as the sixth best search engine. Facebook started at a time when MySpace and Friendster were strong. What did Facebook and Google do right?
• What does rent control do to the pricing and supply of apartment units?
• According to the Wall Street Journal, "Rent control disproportionately subsidizes the affluent. A Harvard University study in the late 1980s found that rent-controlled apartments were in some of the city's best neighborhoods, that 94% of their tenants were white, and roughly three-quarters of their occupants were families without children." Do you think NYC should maintain rent control?
• Microsoft has been accused of being a monopoly, as has Google. In what ways might they act like a monopoly? Do you believe they face competition?

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AP®︎/College Macroeconomics

Course: ap®︎/college macroeconomics   >   unit 1.

• Law of demand
• Price of related products and demand
• Change in expected future prices and demand
• Changes in income, population, or preferences
• Normal and inferior goods
• Change in demand versus change in quantity demanded

Lesson summary: Demand and the determinants of demand

The law of demand, the determinants of demand, key graphical model, common misperceptions, change in demand vs. change in quantity demanded.

• A change in demand and a change in quantity demanded are not the same thing. Demand changes only when one of the determinants of demand change (recall the elements of the mnemonic TONIE). For instance, rising consumer incomes (one of the determinants) will increase demand for new cars, a normal good, which would shift the entire demand curve to the right. More cars will be demanded at every price when demand increases.
• Price is not a determinant of demand, thus a change in price does not cause demand to increase or decrease. If the price of new cars changes, ceteris paribus, there will be a change in the quantity demanded and a movement along the demand curve.

How a price change affects quantity demanded for a good and demand for related goods

• A change in the price of a good will cause the quantity demanded for that good to change, but a change in the demand for related goods (complements and substitutes) causes the demand curve to shift.
• For example, when the price of hot dogs falls three things happen: Quantity demanded for hot dogs increases, demand for hot dog buns (a complement) increases, and demand for hamburgers (a substitute) decreases

Discussion Questions

• How would you describe to a friend the difference between an increase in demand versus an increase in quantity demanded?
• What are the five determinants of demand?
• How would you show a decrease in the demand for Concert Tickets using a graph? Show me how my graph should look Concert Tickets

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Essay: Demand for Money and Its Factors | Economics

The demand for money comes from the desire to hold liquid assets of which money is the only perfect example. It may be noted that money is not demanded for its own sake but because it can be used to purchase economic goods and services.

Keynes argued that there are three motives for holding money. First, individuals will demand money to finance their daily purchases of goods and services. This is known as the transactions motive. Secondly, people will demand money as a contingency against unforeseen expenditures. This is known as the precautionary motive. Thirdly, people will hold money as a store of wealth.

This is known as the speculative motive. In particular, people hold money for speculative purposes because they are unsure about the returns from the alternative financial assets in which they could hold their wealth, i.e., bonds. The returns from holding bonds has two compo­nents, viz., the interest payments and the possibility of a capital gain or loss.

If the expected loss is greater than the interest payments the net return is negative and the individual concerned will hold no bonds, only money. Bond prices are inversely related to the interest rate and, therefore, if an individual expects a sharp rise in the interest rate, this is the same as expecting a corresponding sharp fall in bond prices and again he will hold only money.

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Keynes supposed at the aggregate level that individuals hold a wide variety of different views about expected rates of interest in future and therefore as the current rate of interest fell more and more people would expect that eventually it would rise again — the price of bonds would fall — and therefore more people would hold only money.

In this manner, Keynes argued that in aggregate the demand for money for speculative purposes, L(r), would be inversely related to the interest rate, r In contrast, the amount of money demanded for transactions and precau­tionary purposes, kPY, was determined by the individuals’ level of income Y and the general price level (P).

Thus, in Keynes’ theory the demand for money is expressed as:

Md = kPY + L (r)

where Md is the total demand for money, kPY is transactions and precau­tionary demand and L(r) is speculative demand. Here Y is national income, P is the price level and k is the fraction or proportion of income held in the form of liquid balance (0<k<1).

If V increases, k remaining the same, people will require more money to spend. Likewise, if P increases people will require more money to buy the same amount of goods and services. Here, L is liquidity preference (or speculative demand) which is a function of the rate of interest (r) L varies inversely with r. vanes inversely with r.

An individual’s preference for liquidity, money, therefore arises because of his uncertainty about the exact point in time when he will need money – the precautionary motive -and his uncertainty about future interest rates – the speculative motive. Liquidity preference in the Keynesian analysis is therefore largely a function of uncertainty.

The demand for money refers to the desire to hold money in liquid form as an alternative to purchasing income-earning assets like bonds. Money can be used for any purpose immediately and therefore people desire to hold money either as cash in hand or in the form of readily withdrawable demand deposits in banks. J.M. Keynes calls this desire as “liquidity preference”.

According to Keynes, people hold money for three purposes, viz., transactions, precautionary and speculative.

The motives lying behind li­quidity preference (or why people desire to hold money) can be analysed as follows:

(1) The transactions motive:

Liquid balances are necessary to bridge the interval between receipt of income and outlay. Income is received peri­odically. A man who gets his wages once a month must keep enough cash in his hands or in his current account to carry on his day-to-day purchases between one pay day and another.

The same considerations apply to businesspeople and industrialists. They also must keep some money in hand for their day-to-day transactions. The amount of money, required for this purpose, depends upon the general level of business activity.

(2) The precautionary motive:

Liquid balances are required to be kept in hand to provide for emergencies like sickness or accident. Everyone likes to keep some money in hand by way of precaution against such contingent liabilities and unforeseen expenses.

(3) The speculative motive:

Liquid balances are held with the expectation of finding better uses for them in the future. Opportunities for the purchase of goods or of bonds, on favourable terms, may come any time and everyone likes to keep some money at hand to avail himself of such opportunities. Money kept as a store of wealth comes within this category. (Keynes)

Balances held from the transactions or the precautionary motives are little affected by the rate of interest. But those held for the speculative purposes are particularly sensitive to it.

The demand for money depends on three main factors: national income, the price level and the rate of interest. Transactions demand and precaution­ary demand vary directly with the first two factors but speculative demand for money vary inversely with the market rate of interest.

Monetary Equilibrium:

Monetary equilibrium occurs when the demand for money equals the supply of money. In fact, the rate of interest does the job of equating the quantity of money demanded to the available supply, i.e., it does the job of producing monetary equilibrium. In Fig. 3 we see how the rate of interest ensures monetary equilibrium.

The money supply is fixed by the central bank at Mo. Since (by as­sumption) the money sup­ply does not change with the rate of interest the sup­ply curve of money Mo is completely inelastic — a vertical straight line. The curve LP is the demand curve for money or the li­quidity preference curve. It slopes downward from left to right because of the speculative component. Speculative demand for money varies inversely with the market rate of in­terest.

So, the LP curve shows how the total demand for money varies with the rate of interest and it is drawn for a specific level of national income. Constancy of national income implies fixed demand for money for transac­tions and precautionary purposes. The money market reaches equilibrium at the interest rate r 0 , where the LP and the M 0 curves intersect. At this rate of interest, households and business firms are just willing to hold all of the money that is available to be held.

If, however, the actual rate of interest deviates from its equilibrium level (r 0 ) there will be disequilibrium in the money market. If it falls below the equilibrium level (r 1 ) there will be excess demand for money. People will satisfy this demand by selling bonds. This excess demand for money implies excess supply of bonds. This, in its turn, will depress the price of bonds.

And, a fall in the price of bonds implies a rise in the rate of interest. The converse is also true. If the rate of interest goes up (to r 2 ) there will be excess supply of money. This implies excess demand for bonds. The price of bonds will rise as a consequence.

So, this is equivalent to a fall in the market rate of interest. Thus, we see that the rate of interest rises when there is excess demand for money and falls when there is an excess supply of money. So the condition for monetary equilibrium is that the rate of interest will be such that the community, as a whole, is just willing to hold the existing stock of money.

Related Articles:

• Total Demand and Supply for Money (With Diagram)
• Demand for Money (With Diagram)
• Speculative Demand for Money and its Relation with Rate of Interest
• Money Market Equilibrium: Derivation of LM Curve

Essays About Money: Top 5 Examples and 6 Prompts

With money comes great power; however, power must always come with responsibility. Discover thought-provoking essays about money in our guide.

Money is everywhere. We use it to eat, drink, clothe ourselves, and get shelter, among many other uses. Nowadays, it is an undisputed fact that “money makes the world go round.” The earliest known form of money dates back to around 5,000 years ago ; trade was previously carried out using a barter system. However, over the centuries, more and more nations began implementing a currency system, and money has become more critical. 

In the contemporary world, it seems to be “all about money.” However, it is important not to lose sight of what is important; we must maintain good physical and mental health and healthy relationships with the people around us. Money is necessary; it is just not the only thing necessary. To start your essay, read these examples to write insightful essays about money. 

5 Top Examples On Essay About Money

1. essay on money by prasanna, 2. how money changed human history by jacob wilkins, 3. capitalism: money that make money by ernestine montgomery, 4.  is money the most important thing by seth higgins.

• 5. ​​An Introduction to Saving Money by Jeremy Vohwinkle

Writing Prompts For Essays About Money

1. good uses for money, 2. the “dark side” of money, 3. money’s role in history, 4. morality vs. money, 5. can money buy happiness, 6. how to save money.

“Imagine the world without money. We will eventually come to a point where we will be asking questions like “what’s the point of life”. Hope and goals are some of the important things that will keep a man going in life. Without any sense of achievement or motivation, there wouldn’t be any inventions or progress in the world. People work to get money and then people work harder to get more money. This cycle of life that keeps a man motivated and hopeful is one of the biggest advantages of the system of money”

This essay gives readers a general outlook on money and its advantages and disadvantages. It gives people equal opportunity to work for their dreams and motivates them to be productive members of society, while it also raises the question of greed. Money, without a doubt, has its positive and negative aspects, but it exists and is only becoming more critical.

“But the barter economy was flawed. There was no universal measure for determining the value of an item. It was all based on the subjective opinion of the individuals involved. And to make matters worse, the barter economy relied on both sides wanting something the other had to offer. Trade, therefore, could be sluggish and frustrating. Human beings needed something different, and money was the answer.”

Wilkins writes about how money revolutionized the way trade was conducted. The barter system involved trading any objects if both parties agreed to a deal, such as trading animal skins for fish or medicine for timber. However, the only measure of an item’s value was how much one party wanted it- both sides needed to have something the other wanted. The introduction of money allowed people to put a solid value on commodities, making trade easier.  

“So, if you were to closely observe the dirty, disordered canvas of economic progress during the 20th and 21 st century, you should conclude that, for all its warts, capitalism has been the winner. It has sometimes caused pain; suffered from serious cycles; and often needed the clout of the state- such as we have seen from September 2008. It has also been quite resistant to sensible regulation. Even so, the basic institutions of capitalism have worked, not just in the US and the OECD (Organization for Economic Co-operation and development) nations, but also many developing countries, of which India is one.”

Albeit lengthy, Montgomery’s essay discusses the debate between socialism and capitalism, a topic of which money is at the core. Montgomery describes Karl Marx’s criticism of capitalism: all the money goes to a few people, not the workers. She believes these are valid to an extent and criticizes certain forms of capitalism and socialism. Neither capitalism nor socialism is perfect, but according to Montgomery, capitalism creates a better economy. 

“Being the richest man in the world does not mean you are the happiest man in the world, although money can buy you happiness sometimes, but not always. If we could all appreciate the way life is, the fun, and the beauty I think the world would be better. If people weren’t power hungry maybe we’d have a lesser demand for money. Those people who is money hungry and power hungry need to relax. Money can’t buy you happiness. These individuals need to understand that.”

Higgins implores readers to remember that money is not the only thing people need in the world. He stresses the necessity of money, as it is used to pay for various necessary goods and services; however, he believes it is not a prerequisite for happiness. Material things are temporary, and there are other things we should focus on, like family and friends. 

5. ​​ An Introduction to Saving Money by Jeremy Vohwinkle

“A financial emergency may take the form of a job loss, significant medical or dental expense, unexpected home or auto repairs, a hurricane or major storm, or something unthinkable, such as a global pandemic. The last thing you want to do is to rely on credit cards with their hefty interest fees or to be forced to take out a loan. That’s where your emergency fund can come in handy. Historically, the formula for an emergency account is to have enough readily available cash to cover three to six months of living expenses.“

Vohwinkle’s essay gives readers some suggestions on how to save more money. Most importantly, he suggests setting up an emergency fund, as all other saving techniques stem from there. He also suggests creating an automatic savings plan and cutting down on “spending leaks,” like buying coffee. You might also be interested in these essays about celebration .

In this essay, write about why money is necessary and the ways to use it for the greater good, and include ways in which it can be used (investing, donating, etc.). For each point, you make, be sure to explain why. Of course, this is entirely subjective; feel free to write about what you consider “good uses” for money. 

On the other hand, money also has a negative side —research on money-related issues, such as taxpayer-funded corruption and trading of illegal goods. In your essay, explore this side of money and perhaps give solutions on how to stop these problems. 

Money has played a progressively more important role throughout human history. Discuss the development of currency and the economy, from the barter system to the digital world we live in today. You need not go too in-depth, as there is a lot of ground to cover and many eras to research. Be sure to cite reputable sources when discussing history. 

Many people warn of “selling your soul” for financial gain. In your essay, you can write about the importance of having solid values in this day and age, where money reigns supreme. What principles do you need to keep in mind? Explain how you can still value money while staying grounded; mention the balance between material needs and others. 

As stated in Higgins’ essay, more people have begun to prioritize money over all else. Do you believe that money is truly the most important thing? Can it alone make you happy? Discuss both sides of this question and choose your position accordingly. Be sure to provide precise supporting details for a stronger argument. 

Enumerate tips on how you can save money. Anything works, from saving certain things for special occasions to buying more food in the grocery rather than eating out. This is your opinion; however, feel free to consult online sources and the people around you for extra advice. 

For help with your essays, check out our round-up of the best essay checkers .If you’re still stuck, check out our general resource of essay writing topics .

Martin is an avid writer specializing in editing and proofreading. He also enjoys literary analysis and writing about food and travel.

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Nvidia is seeing 'insatiable' demand, but these are the key questions

By Emily Bary

Ahead of earnings, investors are focused on the Blackwell ramp, prospect of an 'air pocket' and margin trends

Once again, investors will look long-term when Nvidia Corp. reports results next week.

It's pretty well-established that the company is seeing "insatiable" demand for artificial-intelligence accelerators, Oppenheimer Rick Schafer noted, adding that he and most others expect to see another beat-and-raise quarter from Nvidia (NVDA) when it reports quarterly earnings on Wednesday afternoon.

But Wall Street seems less concerned with the present as Nvidia prepares to start shipping its new Blackwell chip lineup later this year.

"The bar is quite high for NVDA, but the level of the beat-and-raise likely takes a backseat to the ramp of the GB200 NVL and next year," Jefferies analyst Blayne Curtis wrote, referring to the company's Grace Blackwell exascale computer.

Read: Nvidia CEO Jensen Huang saw his pay jump 60% last year, topping what rivals made

Plus, one term that gets thrown around in discussing Nvidia lately is "air pocket." In other words, investors want to know whether there will be a demand speed bump of sorts as customers prepare for the Blackwell launch.

"Concerns of an air pocket ahead of Blackwell was a frequent concern we heard post our launch, but we don't see any signs of that with [cloud service providers] still catching up on supply and a long tail of customers behind them who could not get product last year," Curtis wrote. "We believe the ramp of the GB200 NVL products is a large driver for the story as NVDA will once again extend their control to a greater portion of the AI system design."

But BofA Securities' Vivek Arya wrote of the potential for Nvidia shares to be "volatile" in the short term, owing in part to "quarterly deceleration ahead of Blackwell."

Arya added that, even though some investors anticipate nearly $28 billion in sales guidance for the ongoing quarter - above the consensus view of $26.5 billion - "the stock could still react unfavorably" to an outlook that meets those bullish expectations.

See also: Here's what Nvidia earnings need to show to be 'good enough' for Wall Street

That's because sequential sales growth could decelerate to somewhere in the 7% to 8% range for the July quarter, "well below the mid-teens or better [rate] the last few quarters," he wrote.

Further, investors will be monitoring gross margins to see if they peaked. Arya flagged that a "decline is a sign of pricing pressure, unfavorable mix (more China H20 shipments and/or more inference units) and slowing demand/easing supply."

Don't miss: AMD supplants Nvidia as this analyst's top chip stock - but he still likes both

-Emily Bary

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Budgeting for the Haters

How to think about budgeting — without all the shame and blame.

By Ron Lieber

Financial Boot Camp for 20-Somethings: Day 3 of 5

It’s time to get your money in order.

Here are all of the things we are not going to do today:

1) Tell you exactly what you shouldn’t spend money on.

2) Spend any time adding up how much a latte a day or a weekly avocado toast might cost.

3) Shame you for not working a side hustle.

Here’s what we will do: Try to persuade you to think just as hard about what a budget represents as you do about any numbers that are on it.

The first principle of budgeting remains the same. Spend less than you make if you possibly can. If it’s an emergency that requires spending more, no shame, no blame — but ask for advice from your most money-wise friend or family member if you get deep into debt.

The second principle, however, is … well, we’re just declaring it the second principle here: A budget is a statement of values. Think about the annual federal budget exercise. The President makes a proposal , and most of the things in it often stand little chance of actually happening.

Federal budgets are a political exercise. But they are also a positioning one: “These are my priorities. Here’s how I want things to be different next year. Here’s what I hope to do more and less of.”

Your budget is positioned the same way, and one exercise can help you see how. If you spend most of your money through a debit or credit card, log into your accounts and seek out all your purchases from the last 12 months or from 2023. Most major financial institutions can categorize the purchases for you with the touch of a button. Some of these tools are not great, but they are good enough for this purpose. (Or, you can pretty quickly manually add up what you spent in 10 categories where you laid out the most money.)

Now, take a look at those 10 figures and rank them by the total dollars you spent. Then, subtract the spending that was mandatory, for basic food and shelter and other things that were necessary.

Look at what’s left. (I get that it may not be a lot if you’re just starting out, but the sooner this practice becomes a habit, the better.) How does it make you feel? Is your spending a reflection of the things you care about the most? How much pleasure did you get out of your spending? If the ranking and the numbers feel good, then your budget reflects your values.

And if not? You aren’t a sinner in need of financial repentance. You just need to spend less on the things that don’t matter and more on the things that bring you the most joy.

When I was in my 20s, I had no choice but to make sense of this quickly. Right away, I realized that drinking in bars and more expensive clothes were not adding much to my life.

I also made a game of seeing how many meals I could get someone else to pay for through work, even as I counted pennies to afford expensive restaurants every so often. Back in 1994, I spent my own money (when I had it) at the late, great East Coast Grill in Cambridge, Mass., where its big flavors of the hot sun changed the way I ate and cooked.

In my 50s, my analysis changed. During the pandemic, I realized that I didn’t miss pricier restaurants all that much. Once they came back online, I found that I was competing with robots for reservations. Who needs the hassle?

What I did miss, however, was live music. With my older daughter, I made a list of the best concert venues in the United States that I hadn’t been to yet, and we resolved to get to them all. So far, we’ve conquered Red Rocks in Colorado . Still to come: the Hollywood Bowl, First Avenue in Minneapolis and the Greek Theatres in both Los Angeles and Berkeley, Calif. As I was writing this, the algorithmic gods delivered Neal Francis unto one of my feeds. I’m not sure I’ve ever gone so fast from “ Let’s check this out ” to “ I’m buying tickets for a show right now .”

Your thing may be fashion, or hiking, or home décor or music gear. I don’t care, and you shouldn’t judge me, either. Your values are not mine, and as long as yours are not doing direct damage to me or others, I don’t get to criticize the things that you value most as evidenced by your spending.

So once you know what’s important to you, how do you keep track of the money that you do have to work with?

You may not need an app for this. The old-school approach — a forcing mechanism, really — is to pay cash for everything. You begin each pay period or month with a set of envelopes for each category and the right amount of money in each one. When it’s gone, it’s gone.

If you do want a digital assist, start with some questions about what is most important to you in a tool. Some apps are better at things like debt management or tracking your net worth than they are at keeping an eye on your spending.

Some readers may remember Mint, a budgeting tool that took the world by storm about 15 years ago. It’s gone now — Intuit acquired it and eventually killed it off — but I recently did a guide to some of the alternatives.

Most good apps cost at least some money. If you don’t want to pay for budgeting help, you could try out any apps that offer a free trial; see what features and categories appeal to you; and then attempt to recreate them in your own spreadsheet or some of the free spreadsheet-based budget templates that are floating around online.

And if this all seems like too much? Maybe pick the three categories where you spend the most and track only those figures every couple of days against whatever goal you have set. Or pick just one, since you have to start somewhere.

As you can tell, we’re aggressively neutral on form, forms, format, formatting, all of it. But we’re pretty fierce about the necessity of some kind of practice.

Do something and see if it’s habit forming. There’s a pretty good chance that paying more attention than you were a month or a year ago will leave you feeling better than you did then.

Action items

Ask your friends how they track their spending. And if they don’t, ask them why, while emphasizing that you’re coming from a place of genuine curiosity and not judgment.

Think hard — without looking at any of your own spending — about the three things that brought you the most joy in the last year that cost at least some money.

Then think about the things that felt wasteful or didn’t deliver the hit of happiness you expected. Is it easy enough to avoid those products or services in the future, or spend less on them?

Have a question about money?

Ask us here .

Did you miss Day 1? Catch up here. You can find Day 2 here .

Ron Lieber has been the Your Money columnist since 2008 and has written five books, most recently “The Price You Pay for College.” More about Ron Lieber

A Guide to Making Better Financial Moves

Making sense of your finances can be complicated. the tips below can help..

Can your investment portfolio reflect your values? If you want it to, it is becoming easier with each passing year .

The way advisers handle your retirement money is about to change: More investment professionals will be required to act in their customers’ best interest  when providing advice about their retirement money.

The I.R.S. estimates that 940,000 people who didn’t file their tax returns  in 2020 are due back money. The deadline for filing to get it is May 17.

Credit card debt is rising, and shopping for a card with a lower interest rate can help you save money. Here are some things to know .

Whether you’re looking to make your home more energy-efficient, install solar panels or buy an electric car, this guide can help you save money and fight climate change .

Starting this year, some of the money in 529 college savings accounts can be used for retirement if it’s not needed for education. Here is how it works .

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