of the population, quality of life have not improved accordingly. In most countries, social security policies are under-budgeted which could be used help the lower-income, unemployed, elderly, or those stricken by natural disaster. As one of the most developed nation in the region, Singapore still fell behind on social protection spending. Combined with rapidly aging population, Singaporeans have the highest savings rate in the world. Fearing that the government will not be able to help them in the
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Student Loans, Debt, and Retirement Letter the Editor on Student loans, Debt, and Retirement I am writing in response to an article written by Mason Braswell’s “Generation W(on’t be Able to Retire” featured in On Wall Street. It is clear that generation “X” will face a new set of challenges with their future plans of retirement. The large amount of student debt they accumulate will have worse affect’s on their financial future’s than the baby boomers before them It is noted that students now
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INTEGRATED ANALYSIS HOW INVESTORS ARE ADDRESSING ENVIRONMENTAL, SOCIAL AND GOVERNANCE FACTORS IN FUNDAMENTAL EQUITY VALUATION FEBRUARY 2013 Co-funded by the PREPARATION OF THIS DOCUMENT In September 2011 the PRI Initiative convened a working group of signatories to investigate how equity investors and analysts are integrating environmental, social and governance (ESG) analysis into their fair value calculations. The members of the ESG Integration Working Group are: Neil Brown
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Fiscal Policy ECO372 August 14, 2012 Fiscal Policy Introduction Depending on whether a country is running a deficit, a surplus, or a debt, businesses and individuals are affected differently. “The most important budget in the world is that of the United States government. The U.S. budget impacts not only the United States of America but foreign investment, trade, and the economies of nations throughout the world.” (Boothe, 2003) The objective of this paper is to provide examples of how
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CONTENTS Page I. INTRODUCTION. ......................................................................................... 1 II. CONVERGENCE OF TELEPHONY NETWORKS WITH DATA 3 NETWORKS AND THE EMERGENCE OF VOICE OVER INTERNET 5 PROTOCOL TECHNOLOGIES....................................
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or remanufacturing of the product or the disassembled parts, and the extension of the life cycle of the product as much as possible. "Recycling" means the maximum conversion of waste into resources. Recycling economy can reflect both the resource-saving and environment-friendly. So the circular economy is the inevitable choice of sustainable
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Energy Saving Through Smart Home By M.VINOD KUMAR 09H71A0256 K.V.P.CHAND 10H75A0206 EEE, B-tech IV year MIC College of Technology Kanchikacherla 1 Abstract-Energy saving is considered as one of the most important issue affects the consumers, power system quality and the global environment. The high energy demanded by home appliances, air conditioning and lighting makes homes to be considered as one of the most critical area for the impact of energy consumption. Smart home technology is a good
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stabilize the economy on a business cycle fiscal can be used. Fiscal policy is made under the law of a legislature. Making any changes in the fiscal policy tools it effects the level of activity and aggregate demand in the country, it also effect the savings and investment in the economy, and distribution of income. * Expansionary fiscal policy In expansionary fiscal policy government increases spending and decrease taxes. To correct the problem in business cycle transfer payments are increased
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Monetary policy is the process by which the monetary authority government controls the downturn economy through supply of money, often targeting a rate of interest for the purpose of promoting economic growth and stability in the world down turn. The official goals usually include relatively stable prices and low unemployment. Formulating a country's monetary and fiscal policy is extremely important when it comes to promoting sustainable economic growth. More specifically, monetary
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increased government savings, paid off the balance owed to the IMF and managed to reduce interest rates steadily. In order to grow like China and India, Brazil would have to tackle “the Brazil cost”: * To reduce the size and importance of the informal sector * Correct some macroeconomics deficiencies (e.g the high real interest rate and a high government debt to GDP ratio) * Reduce red tape * Improve the quality of public services (e.g education, justice and security) * Develop new
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