Need an argumentative essay on Cause and Effect Paper. Needs to be 3 pages. Please no plagiarism.

As the demand increased across the spectrum, housing demand was also rising. This led to an inflation of house prices which in turn attracted more and more people to buy houses as investment in property began to be considered as an investment that was bound to yield a good return. Due to the increasing demand in the economy, the US government maintained a low rate of interest so that banks could lend more – and the banks were more than willing to lend to finance this consumer demand as it meant greater profits for them. Statistics suggest that the total loans outstanding for banks increased from 99% of GDP in 2000 to 132% of GDP in 2007. Mortgage loans also saw a similar increase in lending – from 48% of GDP in 2000 to 73% of GDP in 2007 (McKinsey, 2010). During this period, as bank lending increased, the focus of banks began to shift from looking at the fundamentals of lending to looking at volumes and profitability of loans. Therefore, they started lending heavily to subprime borrowers – borrowers with a poor credit rating – and these borrowers were attractive for banks as they could charge a higher rate of interest to these customers. In order to hedge against these risky loans, the banks also started selling Mortgage Backed Securities (MBS) which were bonds payable against receipt of housing loan installments. The increasing demand of loans led to an increase in interest rates for lending. As a consequence, financing and refinancing became costlier and loans were no longer easily available to pay installments or to fund further demand. This caused a reduction in demand in the housing sector as well. With a reduced demand, the prices of houses stopped increasing – in fact, they began to fall. Now, subprime borrowers found it increasingly difficult to sustain their installment payments as the value of their assets (house prices) began to run below their liabilities (loans outstanding). This further caused them to default on their payments. This defaulting of payments had two important effects – banks lost the money they had lent and had to write off the loans, and MBS were no longer paying the return they promised to pay. As a result, insurers and investment banks who had promised payments in case of failure of these MBS incurred huge losses. All financial institutions had to suffer these losses and the worst hit were banks like Citibank, insurers like AIG, and investment banks like Lehman Brothers. Due to these losses, consumers lost confidence in several of these financial institution and most banks saw a bank-run – when depositors line up outside banks to demand their deposits. In the end, some of these companies had to shut down, and many other financial institutions had to be bailed out by the US government to keep them running. All of this, led to a severe downturn in the US economy. Another important implication of this downturn was that the credit rating agencies were blamed for not being proactive and reviewing properly their ratings for the financial companies. This downturn led to companies reducing their costs to stay profitable. They did so by firing their staff and by stopping their recruitment. Consequently, unemployment started to increase in the US economy reaching 9% which led to further lowering of consumer confidence and demand. In order to prevent the situation from getting worse, the central bank reduced its interest rate to near zero level and increased the money supply heavily.

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Need an argumentative essay on Chapter discussions. Needs to be 1 pages. Please no plagiarism.

The individuals with lower levels of education earn much less as compared to the learned individuals with at least one degree. The other factor is ones racial background that has led to minority races in the US to earn much less despite having the same qualifications as those of the majority White race. The government can use public policy to promote equality of all races in employment and lower the costs of education for everybody.

Discrimination at work is unethical because it denies qualified individuals an opportunity to work effectively thereby contributing to the economic problem of poverty. Discrimination is an illegal act in the US and those practicing it risk facing legal sanctions.

Discrimination in the workplace can be reduced through management diversity in the organization and incorporating policies that seek to employ people of all ages, disabilities and races based on their

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Need an argumentative essay on Chapter 25 and 26. Needs to be 1 pages. Please no plagiarism.

e most interesting information I gained regarding assurance services through this chapter was that assurance services help managers in making decisions which can help the organization in obtaining its aims and objectives. Using the services of assurance services the organization can obtain information that is valid and credible and this helps managers in making correct information based on rational decision making. Managers may not be able to gather information that is accurate without the help of assurance services and therefore managers should seek assistance from such services.

I agree with you that external auditors can help in increasing the effectiveness and efficiency of the company. But I even believe that external auditors help a company in operating in a highly ethical manner. The companies may be afraid that the external auditors may report the company’s wrong doings and this may ruin the company’s public image and this threat may force a company to avoid any unethical

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Need an argumentative essay on Changes that have occurred in the last generation with regard to personal and family finances. Needs to be 5 pages. Please no plagiarism.

When the man of the house lost his job, the wife would join the workforce, providing the needed income until the man found another job. In instances of divorce the woman, who previously wasn’t working, would get a job to support her kids. A stay at home parent provided the necessary safety net during times of economic distress.Poor saving habit is another danger to the financial stabilities of today’s families. If parents with two paychecks saved the second one then this would act as a safety net. With the change in generation, there has also been a significant decline in savings amongst families. Parents are using the additional incomes on extravagant items for their children and themselves. An increased push for housing in decent school districts is responsible for the financial crisis faced by many families at present. This situation is as a result of a loss of confidence of the education system. The government should increase investment in the schools that the middle income took their children to. The increased demand for these so-called decent preschools and good colleges lead a rise in their cost. The extra income earned by the woman pays for this. It is a fact that two-income families earn more today than what a family with individual breadwinners used to earn a generation ago. The cost of mortgage, taxes, health insurance and daycare are higher than before. The net effect is that the discretionary income of today’s dual-income families is lower than before.

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Need an argumentative essay on Change Management and Management Styles. Needs to be 4 pages. Please no plagiarism.

In terms of ethics in research and ensuring that information is accurately conveyed within the publication process, this is an essential aspect of ensuring that all individuals involved feel as if the process has spoken directly to the needs of each and every stakeholder. not necessarily a given group to any larger extent as compared to another. Researchers, scholars, and authors have long understood that the guidelines and procedures with respect to the way in which information is represented allow stakeholders to approach such information from a variety of different standpoints. In such a way, the mechanisms through which understanding can be provided are multiplied. allowing a situation in which an approach to the research or an understanding of available information can be determined from an alternative point of view – perhaps even one that the authors or researcher did not initially intent. Not only does this help with the creation of further bodies of knowledge, it also ensures that ethical standards are met and that stakeholders from varying positions are able to utilize the available information and draw inference upon it.

Likewise, in terms of assisting overall credibility, it is without question that the process of ethical consideration and the impact of the way in which information is viewed, and by whom, greatly maximizes the overall level of credibility that any particular publication or scholarship might otherwise achieved. For instance, with respect to the process of writing a university paper, something that is nothing more than practice for the way in which information is revealed and produced in the professional world, the student must be continually aware of the way in which information is represented and the potential for discriminatory bias or other harmful miscomprehensions being present within the publication. Just as college professors are

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