Discussion question and peer reviews | Homework Writings Help

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DISCUSSION POST MUST BE 10+ SENTENCES AND THE PEER REVIEWS MUST BE 7+ SENTENCES PLEASE USE YOUR OWN WORDS AND DO NOT COPY FROM OTHER SITES STAY ON TOPIC ,BE POSITIVE , AND DO NOT COMMENT ON GRAMMAR ERRORS. TALK DIRECTLY TO CLASSMATES IN PEER REVIEWS!!! YOU MUST COMPLETE BOTH PEER REVIEWS AND DISCUSSION QUESTION!! THANK YOU

1) DISCUSSION QUESTION

“Considering Tradeoffs You Make Every Day”

Let’s talk about two tradeoffs we face every day: how we spend our time and money.

We can only do two things with income: spend it or save it. Time is the ultimate resource. We can choose to spend time working to earn an income or we can do other things, broadly classified as leisure. Reply to these prompts to start your discussion:

  • How does a change in interest rate affect your decision to spend or save? How would a change in the interest rate affect a firm’s decision to invest or save?
  • How might an increase in the wage rate affect what you do with your time?
  • Now describe a tradeoff you’ve made in terms of time or income.

Talk about tradeoffs with your peers:

  • Reply to one peer who made a tradeoff to which you can relate. Discuss and compare your decisions.






2) PEER REVIEW #1 (JAMES)

Hello Professor and class. A change in the interest rate can affect my personal decisions in a couple of different ways, although not necessarily on a daily basis. It would definitely come into play if i were in the market for a home or vehicle, or some other large ticket item where financing were going to be involved. It could also have an affect in the amount of my retirement savings, as changes in the rate will influence stocks which thereby affect my 401k. For large corporations, it would also apply when they start to look at making large investments on things such as land, large equipment etc.

For an increase in the wage rate affecting time, it could allow me to work less hours without sacrificing the amount of money brought home during a pay period. As far as a trade-off I’ve made, the largest would have to be when I decided to leave the police department for the civilian sector. While my police salary was not as high as many in the civilian sector, as is usually the case, I more than made up for that in the amount of overtime and part-time jobs I worked. The problem was, I was never at home with my family. That was the main consideration when I decided to move to the civilian side. I would lose the overtime ability; however, my family and home life would greatly improve as my time at home increased as well.

3)PEER REVIEW #2 (ALLISON)

  • How does a change in interest rate affect your decision to spend or save? How would a change in the interest rate affect afirm’s decision to invest or save?

The interest change in today’s market was change my decision on what I would be doing with my money. This depends on the interest rate, and what the interest rate was attached to. If an interest rate is high on a savings account (including but not limited to a certificate of deposit and money market account) I would be more inclined to save my money. To me, this is essentially making money on my money. However, if the market was low in other areas, such as mortgages, I would most likely be purchasing a second home somewhere warm. Or possibly buying a home that is bigger than my current home and rent out this one.

  • How might an increase in the wage rate affect what you do with your time?

Increase in wage would allow me to do more social activities. I would take more vacations with my husband and daughter. I would also save more money towards my daughter’s education.

  • Now describe a tradeoff you’ve made in terms of time or income.

I have made a trade off with time and income currently. Several years ago, I was laid off from work. It was nice at the time because I was able to spend more time with my newborn. However, the time came where my husbands and I savings took a decrease and I needed to go back to work. I took the first job that was offered to me because it was incredible difficult to find a reputable company. The trade off is being away from my daughter, but still need to make money to provide for my daughter.

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