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Gerber Life Insurance Company is a company which provides a great service to the society, by introducing a range of products, where a customer can select one as they wish. The goal of each and every product is to make sure the financial security of the client. Polices are available for all the age groups, from small baby to elders. The Grow-Up Plan is to plan the life of your baby from the beginning. It will strengthen the life of your baby from the beginning. Gerber Life College Plan is for col...
Vision Prepaid Visa is a company that offers prepaid Visa cards. These Prepaid Visa Cards come with free features such as 1% cash back on gas purchases, free roadside assistance, free savings account, free direct deposit, free bill pay, online shopping and no overdraft or interest charges. There is no credit check.
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MyPoints is your all inclusive shopping, survey, game, web search, and paid e-mail portal that earns you gift cards for shopping through their website. They pay you to sign up for gaming subscriptions, sites like Netflix, booking trips to your favorite vacation destinations, for printing and redeeming money saving grocery and drugstore coupons, and for reading e-mail they send daily to inform you of the deals they are offering. Simply shop, play games, subscribe to services you were ...
Cash Net USA is a company that offers Payday Loans, Installment Loans, CSO (Credit Service Organization) Loans, Installment Payday Loans, and lines of credit. You must be at least 18 years of age to apply for all loans or lines of credit. You must be a US Citizen. You must be employed for at least one month, and you must have an active checking account for all of the loan or line of credit services. All loans and lines of credit are applied for online, and all loans are approved instantly. Once ...
Most individuals and even businesses today are engaged in different financial firms and institutions which are managed separately such as bank accounts, credit cards, loans, and even brokerage and investment accounts. With Personal Capital, these financial accounts are gathered in a dashboard to let the clients see the whole financial picture at a glance.
Personal Capital is a financial advisor which creates personal snapshots of balances, charts, income, expenses, budget, savings, investments ...
State Farm isn't just a car insurance company. They offer many different types of insurance and services, including banking services. Other services include:
Medicare Supplement Insurance
Community involvement is important to State Farm. For example, State Farm has partnered with the National Youth Leadership Council to fund grants for the Project Ignition program. This program is designed to influence the behaviors o...
Managing your account and keeping track of your balance on a regular basis will keep you protected from over drawing your account and incurring costly fees. By taking a few extra precautionary measures, you can know what your account balance is at any given time and never have to worry about bouncing a check or over drawing your account again.
Switching your 401(k) into a rollover IRA is simple and easy. When you contact your HR department they will provide pertinent information as to where your 401(k) is and whom it is with. Switching your 401(k) to an IRA will give you more control over your investment and more transaction flexibility.
Rainy days come when you least expect them. When it is your turn, and an unexpected bill falls through your letterbox onto the mat, or you discover you need to pay for unforeseen healthcare costs you will be ready if you have been mindful about storing a nest egg for such an occasion. Doing so may take time, but it is possible to gradually save money.
Located 10 miles southwest of Salt Lake City, Utah is the deepest open-pit mine in the world called the Bingham Canyon Mine. The mine is also known as the Kennecott Copper Mine. The mine is primarily a copper mine, and they have been digging at the Bingham Canyon Mine since 1903. At present, the Bingham Canyon Mine is over three-quarters of a mile deep, which makes it the deepest open-pit mine in the world.
We have seen that the production possibility curve shows the various combinations of the two goods which can be produced with the given resources. The question remains as to which of these various combinations the firm will decide to produce. Which is considered the most desirable? Surely, the firm will have to decide which combination out of the so many available will be most profitable.
Armstrong's Marginal Preference Theory
W.E. Armstrong is essentially an orthodox cardinalist and stands in Marshall's tradition. He has forged his own tools to re-establish cardinalism theory is based on two inter-dependent concepts, viz., uncertainty and indifference.
We have seen above that the two assumptions on which Neumann Morgenstern's theory is based are: first, the consumer does not regard the object of his choice as 'sure prospects'. Though the nature of the end is certain, ...
Hicks' Revised Theory of Demand
Hicks's first theory of demand was presented in his book Value and Capital. He revised his theory and published his book. A Revision of Demand Theory in 1956. Samuelson's revealed preference (R.P.) theory, the growing importance of econometrics and other allied developments led to this revision. In his revision of the demand theory. Hicks emphasized the econometric approach to the theory of demand.
Demerits of the Revealed Preference Theory
Whereas the R.P. theory has several merits as compared with the earlier theories, it is not free from defects:
(1) It is based on strong ordering and as such does not admit of indifference. But since observed choice implies a number of possible alternatives, indifference cannot be ruled out altogether. The consumer is sometimes confronted with alternatives which are equally desirable and he is hesitant to choose between them.
The basic characterstic of a command economy is the ownership and control of the means of production and of the industry by the community as a whole through the Central Government. The Government owns the resources, allocates them according to the needs of the society, decides what is produced and determines the methods of production. Buyers and sellers exchange goods and services as determined by the Government in controlled markets.
Factors Influencing Capital Formation
Capital formation is not an automatic process. The rate of capital formation is different in different countries. This shows that capital formation is condiÂtioned by certain factors. The following are the chief factors that govern capital formation in a country: Â— Savings
Savings are done by individuals or households. They do saving by not spending all their incomes on consumer goods. When individuals or households save, they release resources ...
The root of the trouble of economic growth in a developing economy lies in a rapid growth of the speed of its capital investment so that it accomplishes a rate of development of production which goes beyonds the rate of population growth by a considerable margin. Simply with such a speed of capital investment will the standard of living start on to get better in an under-developed nation.
Who hasnÂ’t been hit by the bad economy? I think weÂ’ve pretty much all felt it in one way or another. People in general have had to learn how to save money in every way they can. Sometimes this means cutting out extras, eliminating bills, making lower monthly payments, and learning how to spend less on the things you need.
Meaning of under developed economy
This classification, although it spotlights consideration on an extremely significant feature of under-development, viz., deficiency, can by no means be measured sufficient. A nation may be poor and nevertheless not under-developed in relation to its reserves, if the assets turn out to be insufficient or insufficient; it might have fully urbanized its reserves and yet be amongst the poorest nations in the earth.
Physical planning vs. financial planning
Planning by Inducement
Planning by inducement implies planning by controlling the market system. It engages no force but merely influence. Planning by inducement in addition shuns inflated administration.
In planning by inducement, the schemer either sponsors manufacture or organizes price if it is planned to augment the use of a product. The first steps on the supply face and the chain on the demand region. Cheaper charge is an inducement for th...
Essentials of Economic Planning
Meaning of planning
There is a lack of harmony amongst economists and biased thinkers as to the meaning of planning. Planning, in brief, may well be describes as visualizing, commencing, standardizing and controlling monetary action by the State as per the set main concerns with a outlook to attaining well distinct aims within a set time
The rate of income tax varies in different countries depending on the income, country, economic policies etc. It is also differing in case of persons with businesses. Generally all countries are charging income tax. The tax collected is used for the welfare of the people. But certain countries are not imposing income tax on their people. The following is a list of countries that do not collect income tax:
Main Features of Mixed Economy
Having understood the meaning of mixed economy, we are now in a position to bring out the main features or characteristics of such an economy. It will also be clear from these characteristics how a mixed economy functions. The following are the main characteristics of a mixed economy:
(i) Co-existence of the Public and Private Sectors. The chief characteristic of a mixed economy is that in this economy both public as well as the private sector work mutually. ...
Salient Features of Socialism
While different forms of socialism may differ from each other in some details, there are certain essential features which are common to them all. These are discussed briefly below: Â—
1. Social Ownership of Means of Production. This is the most fundamental feature of socialism. Under socialism, farms, factories, mines, railways, banks, are owned by the society rather than by private individuals or companies. There is thus no private property in respect of t...
Key features of capitalism
A study of capitalism reveals the following outstanding features: Â—
1. Private Property and Inheritance. The most important feature of capitalism is the existence of private property and the system of inheritance.
2. Private Ownership and Management of Means of Production. Allied with this feature is another, viz., that instruments of production are owned by private individuals and they are managed by the owners exclusively for their own benefit....
Role of public debt in Economic development
A developing economy has to tap all possible sources to mobilize sufficient financial resources for the implementation of its economic development plans. It has to utilize revenue surplus for the purpose, seek external aid, and pitch up its level of taxation and resort to public borrowing in addition. But taxation and public borrowing are the two major instruments of resource mobilization.
Factors Governing Taxable Capacity
The fact is that the taxable capacity is not rigidly fixed. It is a moving point. It is relative to so many factors that any change in any of them is bound to change our estimate about the taxable capacity of a nation. Findlay Shirras gives the following factors which determine the taxable capacity of a nation.
What do you mean by taxable capacity?
The perception of taxable capacity has racked the brains of not a few economists and publicists. Dalton describes it "a dim and confused conception". Findlay Stirras, on the other hand, thinks that it is of great practical importance. "It is always wise and useful," he says, "for a government to know even roughly the limit that the country can contribute by way of taxation both in the ordinary and extra-ordinary circumstances."
Advantages and disadvantages of Indirect Taxes
Advantages of Indirect Taxes
Indirect taxes have advantages of their own. Briefly speaking they are as under:Â—
1. They are the only means of reaching the poor. It is a sound principle that every individual should pay something, however little, to the State. The poor are always exempted from paying direct taxes. They can be reached only through indirect taxation.
Advantages and disadvantages of Direct Taxes
Advantages of Direct Taxes
Direct and indirect taxes have advantages of their own. Direct taxes have some merits and so have the indirect taxes. Direct taxes have the following advantages in their favor: Â—
1. Equitable. The burden of direct taxes cannot be shifted. Hence, equality of sacrifice can be attained through progression. Of course, the very low incomes can be exempted.
Meaning of direct taxes and indirect taxes
Meaning of direct taxes
A tax is believed to be a direct tax when it is not anticipated to be transferred to any other individual. The individual who compensates it in the first case is also anticipated to bear it. Therefore, the effect and the prevalence are on the same individual. An instance of a direct tax is income-tax. The man who shells out income-tax has also to bear it.
(b) A turnover tax at each stage of production adds to the .price of the commodity at the final stage, and is, therefore, borne by the ultimate consumer. In the case of raw materials, it adds to the cost of production and raises the prices of manufactured goods. Such a tax is said to discourage trade and industry, and hence its incidence may be much widespread due to its adverse effects on trade and industry. It may create unemployment and thus make the workers suffer.
Importance of Incidence of taxation
The study of incidence is very important. The tax system is not merely aimed at raising a certain amount of revenue, butt the aim is to raise it from those sections of the people who can best bear the tax. The aim, in short, is to secure a just distribution of the tax burden. This obviously cannot be done unless an effort is made to trace the incidence of each tax levied by the State.
Essential of a good tax system
A good tax system should he composed of taxes which conform to the main canons of taxation. The system as a whole should be equitable. Its burden should fall on the- broadest shoulders. It should also be economical, so that the work of collection is done as cheaply as possible. It should not hamper the development of trade and Industry It should; on the other hand, assist the economic development of the country. The government should be certain of its reve...
Principle of ability to pay as a canon of taxation
The most important principle of taxation is the principle of equity or equality. Adam Smith has placed the canon of equality in the fore-front. The rest of the canons are merely of administrative nature. Therefore, this canon may be called the principle of taxation.
The proper distribution of the burden of taxation is one of the fundamental problems in the public finance of modern democratic Slates. The question of what ought to be done i...
Adam Smith's Canons of Taxation
Adam Smith's contribution to this part of economic theory is still regarded as classic. His enunciation of the canons of taxation has hardly been surpassed in clarity and simplicity. His four celebrated canons are as follows:Â—
1. Canon of Equality. Equality here does not mean that all tax-payers should pay an equal amount. Equality here means equality or justice. It means that the broadest shoulders must bear the heaviest burden.
The advantage of proportional taxation over progressive taxation is it is simple to compute and understand but simplicity is not necessarily a virtue in taxation. All over the world, governments now have switched over to the progressive form of taxation for direct taxation and proportional taxation is used only for taxing commodities.
While commercial banks deal more with individuals as customers, investment banks cater more for the needs of firms. There are various differences in the conducting of business by both types of banks. Commercial banks take deposits and issue loans, while investment banks help their clients get the required funds through the issue of securities.
Banks are special financial intermediaries which bridge the gap between deficit units (borrowers) and surplus units (lenders). They collect funds from lenders and perform size transformations, maturity transformation and risk transformation. Banks go in between the different requirements of deficit units and surplus units. They are special and very important in the channelling of funds.
Indemnity means that the insured must be placed in the same financial position as he was just before he suffered a loss. The principles of subrogation and contribution are ancillary to indemnity.
Proximate cause is the active and efficient train of events that brings about a loss for the insured.
Principles of Public Expenditure
Just as there are well-known canons of taxation, similarly it is possible to formulate some canons or principles to which prudent public expenditure should conform.
Objectives and method of credit control
The current financial system is a credit economy. Credit has assumed an increasingly wide significance in sustaining the base of the modern economic system. It is the blood line of current business. For that reason credit control is necessary for steadiness and methodical development of an economy.
Shareholders vs. Debentures holders
Meaning- The subscribed to the shares are shareholders. Shares are the parts of share capital. On the other hand, Debenture-holders are the subscribers to debentures. Debentures are part of loan.
Debenture Trust Deed
The document created by the company, whereby trustees are appointed to protect the interest of debenture-holders before they are offered for public subscription is known as Debenture Trust Deed
Meaning of Debentures
Definition of Debentures
The word Â‘debentureÂ’ has been derived from a Latin word Â‘debreÂ” which means to borrow.
Debenture is an instrument issued by the company acknowledging its debts to the holder under its seal. Debentures carry interest at certain per cent.
This article will help readers to determine which website is better to use for online budgeting: Mint.com or Mvelopes. It will compare the pros, cons and prices of both companies in order to help consumers decide which company they should use to help save them money and save for the future.
The more that a nation relies on financing, the more difficult it is to tell what the value of its money actually is.
Quantitative credit control and its limitations
The control of credit is widely recognized as the main function of a central bank. It is a function which embraces the most important questions of central banking policy. In fact, the heart of monetary policy lies in credit control, i.e., monetary management.
Limitations of Open Market Operations
It is obvious that the above theory will be valid only if certain conditions are satisfied. These conditions are: Â—
(i) The theory is that when the central bank purchases securities, the cash reserves of the member-banks will be actually increased, and conversely, the cash reserves will be decreased when the central bank sells securities.
Objectives and methods of Credit Control
The current market is a credit economy. Credit has assumed a more and more broad importance in supporting the bottom of the current economic structure. It is the life line of current trade and commerce.
Monetary measures to control inflation
The main methods of controlling the credit creating capacity of banks are as follows: Â—
(i) Manipulating the bank rate, i.e., the rate at which the central bank is willing to rediscount the eligible paper offered by the commercial banks. A rise in the bank rate will be followed by a rise in other money market rates of interest.
Uses and limitations of Index Numbers
Uses of Index numbers
Index numbers can be used for a number of purposes:
(i) Index numbers are used not merely to measure changes in the price level or changes in the value of money. They can be used to measure any quantitative change.
Student loans are a fact of life for nearly 70% of college graduates. Finding an easy way to consolidate multiple student loans is something many of these graduates are looking for. This article outlines an easy way to consolidate student loans.
Online Shopping Password (OSP) security feature for IDBI customers
You will henceforth be required to generate and input an additional Online Shopping Password (OSP) for all e-commerce payment transactions which are initiated from a third party (online merchant) websites like for e-shopping, ticket bookings, online trading etc.
The efficacy of Bank Rate as an instrument of credit control
The bank rate is the price at which the central bank of a country is willing to discount first class bills. It is, thus, the rate of discount of the central bank, while the market rate is discount rate existing in the money market amid other loan foundations.
Limitations of bank rate policy
For the successful working of this policy, a little reflection will show that a number of circumstances have to be satisfied:Â—
(i) Efficacy of bank rate in regulating credit needs a closer association among the bank rate and other rates of interest in the market. Changes in the bank rate must be followed by changes in the market rates.
Limitations of Credit Creation
Banks advance loans or buy securities without actually paying any cash. This is very tempting. They would, of course, like to make as much profit like this as they can.
Promissory Note definition
A promissory note is a negotiable instrument in writing including an unrestricted task, duly signed by the creator to reimburse a definite amount of money to the ordered individual or to a certain individual or to the carrier of the negotiable instrument.
Advantages and disadvantages of the Cambridge Equation
Advantages of the Cambridge Equation
The Cambridge equation, which in fact was a later form of the Quantity Theory, sought to remove some of the shortcomings of the latter and took several steps on the way to the modern theory of money and prices.
Cambridge Equation or cash balance approach
There are two main lines of approach to the problem of relationship between the quantity of money and its value (or the price-level). This has given rise to two types of quantity theories. One is the Quantity Theory of Money proper, called the transactions type theory and which is represented by Fisher's Equation.
Disadvantages of Paper Money
1. Paper money is of no importance outside the nation of issue. Silver as well as gold coins are acknowledged even by outsiders, as they have got some fundamental worth.
Advantages of paper money
Different types of paper money
By paper money is meant the paper currency notes as well as the cheques, where they are generally accepted. In our country, paper money consists of currency notes only. But in advanced countries like the U.K. and the U.S.A., where cheques freely circulate from hand to hand, cheques are also included in paper money.
Different methods of note issues
There was at one time a controversy whether notes should be issued on the currency principle (i.e., 100 per cent reserve) or banking principle, leaving the question of paper currency reserve entirely to the discretion of the banks of issue.
Primary Functions of money
The following are the primary functions of money which it has to perform: Â—
1. Medium of Exchange. Under the barter economy, people felt many difficulties and inconveniences. Money has solved all these difficulties. There is no necessity for a double coincidence of wants in a money economy. Money serves as a very convenient medium of exchange.
Limitations of the Acceleration Principle
The principle of acceleration has come in for a good deal of criticism in recent years. For example, it has been pointed out by Kaldor that we cannot assume a constant value of the accelerator throughout the trade cycle, that it is not true that an increase in demand of 100 rupees must always give rise to an increase in investment of 300 rupees (as in our example).
Even a year's worth of lost interest earned on savings money can ruin a good savings plan. Any American saver that might choose to spend their saved money instead of leave it in the account can first take a look ahead and calculate how much interest they will lose.
Americans that are both the business owner and the worker, the self-employed, can invest their earnings like any American that works a regular job. The added work on investments in an SEP, an IRA, or a SIMPLE IRA pays off in more earnings.
Over- investment Theory of trade cycle
Various theories have been put forward by various economists explaining trade cycle. One such theory propagated is the over-investment theory. The article is an effort to highlight the characteristics of the over-investment theory and explain it in simplified form.
Learn how to help your loved one, seniors and the elderly fight fraud from telemarketers. If seniors are aware of the types of telemarketing fraud they will learn not to make hasty decisions over the phone.
Limitations of the Multiplier Concept
The working of the multiplier, as demonstrated above, actually represents an ideal. It contains several qualifications, which may not be found in practice.
The factors which operate to reduce the multiplying effect are technically called "Leakages". The various limitations to the full working of the multiplier in this regard are as follows:
Importance of the Consumption function
Consumption function is not to be considered merely a subject of study and analysis. It has a great theoretical and practical importance. All countries want to remove unemployment from their midst, raise their national income and enjoy prosperity. For this purpose a policy of planned economic development is essential. In the formulation of this policy, consumption function plays a very useful role.
KeynesÂ’s Psychological Law of Consumption
Keynes promulgated a law standing on the study of consumption function. This law is called the Psychological Law of Consumption or the Fundamental Law of Consumption.
Importance of National Income Statistics
There are several important uses of national income statistics and, therefore, there is great need for their regular preparation. National income estimates provide not only a single figure showing the national income, but also supply the detailed figures in regard to the various components of the national income. It is both the figure of national income and the details regarding its various constituents that throw light on the functioning and performance...
The difference between market and non-market stakeholders.
Personal Income (P.I.) vs. Disposable Income (D.I.)
It is important to understand the concept of Personal Income (PI) and Disposable Income (DI) in order to understand the computation of National Income. Here is an simple effort to explain the difference between Personal Income and Disposable Income.
Is it legal for banks to charge a fee just for cashing a check drawn off them? Find out why some banks charge a check-cashing fee for non-customers.
Criticism of the classical Theory of Interest
Classical Theory of Interest came in for serious criticism, especially at the hands of Keynes. The main grounds on which it is criticized are given as under:Â—
(i) It is pointed out that classical theory of interest is based upon the assumption of full employment of resources. In other words, it assumes that an increase in the production of one thing must mean the withdrawal of some resources from the production of other things.
Meaning of Quasi-Rent
The concept of quasi-rent was first introduced by Marshall. Quasi-rent, according to him, is the surplus earned by instruments of production other than land. The term 'rent' is applied to income from land and other free gifts of nature but quasi-rent to the income derived from appliances and machines which are the product of human effort. Quasi-rent stands for whole of the income which some agents of production yield when demand for them has suddenly increased.
The term 'nominal wage', however, simply refers to the amount of money that a worker may be getting. In order to determine the "real wage" of a worker, we must make an allowance for the following factors determining real wages:
Perfect Competition vs. Pure Competition
Recently, economists have started distinguishing between perfect competition and pure competition. For pure competition all the above-mentioned conditions of perfect competition need not be satisfied; it is enough if the first two conditions are fulfilled, i.e., there is a large number of buyers and sellers in the market and all producers produce an identical or homogeneous product.
Joint-stock Company vs. Partnership
Joint-stock organization (also called the corporate form of business organization) is the most usual form of large-scale businesses, and partnerships are confined only to businesses run on a small scale, where quick decisions are necessary and where large capital is not required.
When you buy a leveraged ETF, you would expect to get that profit if the index moves the right direction. Because of the compounding error of ETFs, you might not get the return you expected.
Criticism of Malthusian Theory of population
The Malthusian theory of population has been the subject of a keen controversy. The following are some of the grounds on which it has been criticized: Â—
Four propositions of MalthusÂ’s theory of population.
The first proposition of MalthusÂ’s Theory of population is that the population of a country is restricted by the means of survival. The better the food production, the greater the number of population which can be sustained. The check of deaths caused by want of food, and poverty would limit the maximum possible population.
What are Iso-product curves or Equal product curves?
It is the business of a manufacturer to hit on the cheapest or the lowest cost method to produce a given output out of the several alternative methods open to him. There are a large number of combinations of inputs which can produce a given output and the producer has to select the most economical combination out of these. This will be an equilibrium position for him.
Are the name "dollar" used for other currencies than that in the USA? Currently there are 22 currencies using the name "dollar".
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Many experts are advocating returning the U.S. to a gold standard but the public is fast learning how to easily set up their own gold standard. It's simpler than one may think.
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Basic principles of insurance.
The top ten car insurance companies claiming the most customers are State Farm, Allstate, GEICO, Progressive, Farmers, Nationwide, Liberty Mutual, USAA, Travelers and American Family Mutual.
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What is difficult is the conservation of money earned and the ability to invest capital in such a way as to provide best for immediate and future financial needs.
FICA withholding can be a significant amount of your pay check. Learn more about the rules of Social Security Tax.
The USA has always stood as a symbol for freedom and equality of all human beings. The inclusion of health insurance of same-sex couples is a big step in the right direction. Such laws and legislations that extend benefits to same-sex couples on par with domestic partners and spouses prove once again that this land is the land where all men are considered equal.
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Allstate's other primary features and benefits are:
There is a big interest with investing in silver. Many feel that silver has much more to gain than gold does at this time.
Preparing your own taxes or professional tax preparation which is best?
Impulse spending often leads to debt and unhappiness. However, indulgent spending can be curbed if individuals are mindful about personal spending triggers which leave them delving into their purse unnecessarily.
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The Emerald Art Gallery employment scheme is a miserable fraud attempt.
"Maya Khalifa" is an internet thief part of a gang determined to steal good citizens' money. Don't fall for "her" games.
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Some debts are no longer collectible and the consumer shouldn't be forced to deal with scare tactics from debt collectors and collection agencies to pay these zombie debts.