Education

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Understanding the Difference Between Journalism and Propaganda

Education

Journalism and propaganda are two distinct forms of communication with different aims and methods. Journalism aims to provide objective and truthful information to the public, while propaganda aims to influence public opinion and promote a particular agenda. Journalism is based on the principles of accuracy, balance, fairness, and impartiality. Journalists gather information from multiple sources, …

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The Thinking Behind Developing a Saving Habit for Financial Independence

Education

Developing a saving habit is a crucial step towards achieving financial independence. It involves setting aside a portion of one’s income to achieve a financial goal, such as building an emergency fund, investing in stocks or real estate, or planning for retirement. However, the process of developing a saving habit begins with the way one …

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Two-Thirds of Global Population in Debt: Exploring the Impacts and Challenges

Education

Debt is a pervasive issue around the world, affecting individuals, businesses, and governments alike. According to a report by the International Labour Organization (ILO) in 2020, approximately two-thirds of the global population, or 68%, are estimated to be in some form of debt. This figure includes both consumer debt and other types of debt such …

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Living Paycheck to Paycheck: The Dangerous Financial Cycle Faced by Many Americans

Education

According to recent studies, a significant number of Americans are living paycheck to paycheck. This means that they rely on each paycheck to cover their immediate expenses and have little or no savings to fall back on in case of emergencies. While it may seem like a common financial situation for many people, living paycheck …

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Understanding Currency Swaps and Central Bank Swaps: Importance of US Dollar Swaps

Education

Currency swaps and central bank swaps are important financial tools that allow countries and businesses to manage currency risk and provide liquidity during times of financial stress. In the United States, the US dollar is the most widely traded currency in the world, and as such, currency swaps and central bank swaps involving US dollars …

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Too Big to Fail: Balancing Economic Stability and Moral Hazard

Education, Opinion

In recent years, the concept of “too big to fail” has become increasingly controversial. This term refers to companies or institutions that are so large and interconnected that their failure would have devastating consequences for the entire economy. While some argue that these companies are too important to be allowed to fail, others warn of …

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Who Pays for Bank Bailouts? The Costly Burden on Taxpayers Explained

Education, Opinion

In the aftermath of the 2008 financial crisis, many large banks were on the brink of collapse. In an effort to prevent a catastrophic financial meltdown, governments around the world initiated a series of bank bailouts, pumping billions of dollars into these institutions to keep them afloat. While these bailouts were seen as necessary to …

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Behind the Scenes of Overnight Repo: How Financial Institutions Manage Daily Liquidity Needs and the 2019 Cash Shortage Crisis

Education

An overnight repurchase agreement (repo) is a short-term financial transaction where one party sells securities to another party with an agreement to buy them back the following day at a slightly higher price. Essentially, it is a way for financial institutions to obtain cash quickly by temporarily exchanging securities with a counterparty, with the expectation …

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Understanding Fractional Reserve Banking: How Banks Lend Out More Than They Keep in Reserve

Education

Fractional reserve banking is a system in which commercial banks are required to keep only a fraction of the funds deposited by their customers as reserves, while the remainder can be used for lending and other investment activities. For example, if a bank has a reserve requirement of 10%, it can lend out 90% of …

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