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Post by teancum79 on Nov 18, 2007 18:06:59 GMT -5
Investments 101.
People pay money to use other peoples money. People will also pay you money to use yours.
Good investments grow faster than inflation.
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Post by dianaholberg on Nov 19, 2007 7:56:00 GMT -5
Right. Banks and financial groups pay interest to their investors out of the profits they are making on larger investments -- ironically, investments often relating to government activities (because they are most stable and long-term).
It's a big loop-de-loop of dollars flowing across the U.S.A. and into other countries...
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Post by Amalcas on Nov 23, 2007 21:07:57 GMT -5
Yes, but here's my point: there's only a finite amount of capital out there (though the exact amount fluctuates constantly). When someone makes a profit, someone else suffers a loss. When you accumulate interest, someone else accumulates debt. Now, money flow is generally dynamic, so this isn't really a worry most of the time; next time he'll be making profit off of your loss. However, if the accumulated capital becomes static (say, in a long term investment plan), this process is interrupted. On a "small" scale, this is fine; there is an enormous amount of capital out there compared to the average personal investment. However, on a large scale (say, if everyone kept a large (accumulating to million dollar) long term investment), this could prove problematic; a million million dollars in arrested capital is a good bit, and it would quite possibly amount to more than that. Of course, I'm far from sure of this, and, beyond ignorance of the workings of the economy, if investing took too much capital out of the system, people would probably be forced to pull out of their investments, anyway. Still, that would make the economy more unstable than it would need to be.
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Post by teancum79 on Nov 24, 2007 15:09:04 GMT -5
Wealth/ money is generated by work. Sometimes by making a resource (corn or movies) or extracting one (oil). Thus there is not a set limit to the amount of wealth a society can have. The money that is being taken out of circulation by the government would be more in circulation if people could invest in private funds. For example a sate bond measure to build a new highway or stadium. A CD or savings account at the bank provides more capital for home and car loans. Even if I can't access my money for a long time would not mean that it was not doing things for the economy. In order to build a large car factory a lot of money is needed. Over time that factory will produce a lot of cars. Over several years the money spent on building the factory and the interest will be made back with extra (assuming the economy does not tank). Thus one persons gain is not another's loss. I'm paying interest on my school loans. someone is making a prophet off of loaning me money for school. However that education will enable me to make more money and both the investor and the borrower will benefit.
There is always a risk of the economy tanking. Thats why we have economy experts Federal reserves etc.
It may not be the best system in the world, but it does work fairly well most of the time.
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Post by teancum79 on Jan 16, 2008 14:39:07 GMT -5
Yet another interesting event at school. I'm taking a cultural competence class. In class we had talked about how each culture needs to be respected. Why its okay for black people to use the "N" word, but no one else can etc. This goes on for awhile and than my teacher starts slandering my religious background.
So I'm wondering how this person has a job teaching a subject when she herself can't seem to follow the basic rules in class?
I emailed her asking her to either keep her ethnocentrism in check or to have me transfered to another class.
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Post by Mestemia on Jan 17, 2008 7:50:30 GMT -5
The really sad thing about this is that your teacher may well in all honesty be aware that she is doing that.
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Post by teancum79 on Jan 17, 2008 13:41:35 GMT -5
I've considered that, but that would mean that she is putting her petty bigotry above her profession. I' know that some people are like that, but its still odd behavior. and also for the school having her teach that class.
Regardless of what positive contributions a Neo-Nazi can make to a society they have no place teaching African-American studies of Jewish history.
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Post by Mestemia on Jan 17, 2008 14:10:33 GMT -5
Do not get me wrong, I am not in any way excusing the behavior.
However, I would keep it in mind when corresponding with her about it.
If she is completely unaware that she is doing it, you may well send her into defensive mode and get nothing positive accomplished.
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Post by teancum79 on Jan 17, 2008 16:23:01 GMT -5
She lives in defensive mode. Any time in class a student does not agree with her she jumps to shut them down. I'm starting to wonder if she will respond to me email as it would create a record of our exchange which she very well may not want.
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Post by Mestemia on Jan 17, 2008 20:35:43 GMT -5
I had a classmate like that.
Till I asked him, in front of the whole class, "Is your argument so weak you cannot allow me to present mine?"
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Post by teancum79 on Jan 17, 2008 20:47:57 GMT -5
LOL nice. I would almost pay to see that.
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Post by Mestemia on Jan 18, 2008 1:08:29 GMT -5
Well he made me mad.
Every time I tried to say something, he would start talking again.
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Post by teancum79 on Jan 18, 2008 20:32:18 GMT -5
Yea as I'm sure most who know me would agree I speak my mind, but I'm almost always willing to let others have their say as well. It is kind of hard, but I'm getting a lot better at respecting peoples rights to say things that I think are wholly wrong. I find myself bitting my tongue a bit, but I'm no longer telling people to shut up.
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