Case Study: Borrow And Lend

Decent Essays
Borrow and Lend
The role of interest rate is the cost of borrowing money is the compensation or the service and risk of lending money (Heakal, 2016). Lenders take a risk when offering a loan to the borrower, which the risk is the borrower, may not pay the loan back to the lender (Heakal, 2016). When the lender lends money now, the prices of goods and services might go up by the time the borrower finishes paying back the loan (Heakal, 2016). When borrowing for loan the interest rates levels are determine by the supply and demand of credit (Heakal, 2016). If the demand for credit will raise the interest rates while if decrease in the demand for credit will decrease the interest rate (Heakal, 2016).
Influence on Gasoline
The major cost of crude
…show more content…
A good idea is to purchase a vehicle, which the car dealership has, vehicles with alternative fuel. The regulations to convert a vehicle to alternative fuel have many strict regulations which vehicle companies have to hire qualified technician has the certifications (Vehicle Conversion Basics, 2015). The technicians have the permissions from federal, state, and local government code requirements, policies (Vehicle Conversion Basics, 2015). The vehicle, which Francisco purchase in 2005, is older now and every two years I have to take the vehicle to be check by certificate person to conduct a smog check. If the vehicles do not pass, the owner has to fix the issue. The main issue of the air quality is of heavy-duty trucks and passenger vehicles (Vehicles, Air Pollution, and Human Health, 2016). Vehicles are a major pollution factor, which pollute the air with nitrogen oxides and carbon monoxide (Vehicles, Air Pollution, and Human Health, 2016). The government is working on providing the people with clean vehicles that are affordable by providing tax credit (Vehicles, Air Pollution, and Human Health, 2016). The government is pressuring vehicle manufactures to develop more fuel-efficient vehicles (Vehicles, Air Pollution, and Human Health, 2016).
Influence on Environmental
When purchasing the vehicle the influence of environmental factors were not considered. The decision was made by the style of truck, color, and price. The factors of health also environment were not a factor because that decision never was consider for instance how was this vehicle going to affect the environment or follow man health.
Circular Flow

Related Documents

  • Superior Essays

    As the global concern for the environment increases with time, the desire to use cars decreases. People are aware that cars release fumes which, when combined, can be detrimental for the environment, and they want to do something about it. Elisabeth Rosenthal writes in her New York Times article, “In German Suburb, Life Goes on Without Cars”, that up to fifty percent of environmental greenhouse gas pollution comes from the cars driven in American suburbs. In her article, she quotes David Goldberg, an official of Transportation for America, that “All of our [the U.S.A.’s] development since World War II has been centered on the car, and that will have to change”. It seems like America, and the rest of the world, is becoming more aware about what…

    • 1312 Words
    • 6 Pages
    Superior Essays
  • Great Essays

    Major Life Decisions Student loan debt, like all forms of debt, can influence various decisions such as starting a family, buying a house, and retiring. Since children are one of the largest expenses one can have, many people wait to start a family until they are financially stable. This is one of the reasons why the average age of first time mothers has increased from 21.4 years in 1970 to 25.6 years in 2011, according to the National Vital Statistics Report released by the Centers for Disease Control and Prevention (CDC) (Martin, Hamilton, Ventura, Osterman, & Matthews). In addition to couples having children at older ages, smaller families are becoming more common. American women are producing a historically low rate of 1.9 children during…

    • 1086 Words
    • 5 Pages
    Great Essays
  • Improved Essays

    Imagine the following disasters: Drought causing water shortages; Flood engulfing a whole city; Destruction left after a hurricane’s wake; Climate change due to carbon emissions; land restructuring due to rising sea level - hence, Hawaii. In a time of environmental crisis, how do we live right now? I do not have a concrete plan on how I will live within the time of environmental crisis, but I will explore my options and opinions on the matter. From acquired information, through media, articles, discussions, we are at a point in time where a crisis may happen more often than before, based on recordings of past disasters.…

    • 967 Words
    • 4 Pages
    Improved Essays
  • Improved Essays

    • SunE Sky 13th Sideroad, LP (“SunE Sky” or the “Borrower”), a bankruptcy-remote limited partnership between SunEdison, LLC (“SunEdison”) (NR) and SkyPower Limited (“SkyPower”) (NR) (the “Sponsors”), owns and operates the 13th Side Road Solar Energy Project (the “Project”) - an 8.0 MWac PV solar project that was constructed pursuant to Ontario’s Renewable Energy Standard Offer Program (“RESOP”) and sells the energy output to the Independent Electricity System Operator (the “IESO”) (Aa2; SFS 2) pursuant to a 20-year Power Purchase Agreement (the “PPA”). • In 2010, SFS EF AM committed CA$8.25 million (US$ 6.35 million (1 CAD=0.77 USD)) to the Borrower’s CA$ 32.0 million Senior Secured Term Loan (the “Term Loan”). The Term Loan has a 15-year…

    • 796 Words
    • 4 Pages
    Improved Essays
  • Improved Essays

    Finance Case Study

    • 870 Words
    • 4 Pages

    (TCO F) Answer completely all of the following questions: Why do state and local governments go into debt? What is a municipal bond? How does a municipal bond differ from a corporate bond? What is Net Interest Cost (NIC) and how does it differ from True Interest Cost (TIC)?…

    • 870 Words
    • 4 Pages
    Improved Essays
  • Improved Essays

    “Such is the nature of evil. Out there in the vast ignorance of the world, it festers and spreads. A shadow that grows in the dark. A sleepless malice as black as the oncoming wall of night. So it ever was, so will it always be.…

    • 795 Words
    • 4 Pages
    Improved Essays
  • Improved Essays

    Fannie Mae Case

    • 659 Words
    • 3 Pages

    When the borrower gets his mortgage from a bank or other lending institution in order to finance his or her house purchase, this transaction is considered to belong to the Primary Market. At this point, the lender has a choice of either servicing the loan for the time equivalent to that loan duration (5, 10, 15, 20, 30 years or any other such term) or sell it to someone else. Some lenders decide that they want a steady and secured income coming from systematic, monthly payments from the borrower. They collect their income in the form of interest earned on the loan. The higher the loan and the longer the term of the loan, the higher the interest going to the lenders' pockets is.…

    • 659 Words
    • 3 Pages
    Improved Essays
  • Decent Essays

    Hello Dan, The Departments stance is if the lender is conducting residential lending, and complying with the all Federal loan fee mortgage disclosure requirements. The Lender is in compliance with North Dakota Code 13-05-01-02 Contracts to be in Writing. In such cases the mortgage broker fee disclosure is not required, because the federal disclosures take it’s place.…

    • 57 Words
    • 1 Pages
    Decent Essays
  • Improved Essays

    “But because diesel engines can operate for 30 years or more, millions of older, dirtier engines are still in use,” (Epa.Gov). Reducing exposure to diesel exhaust from these engines is especially important for the preservation of human health and the environment. According to the EPA, the United States Environmental Protection Agency,…

    • 1982 Words
    • 8 Pages
    Improved Essays
  • Improved Essays

    California Air Quality

    • 499 Words
    • 2 Pages

    California Leading Its Way To Improved Air Quality The Smog Check Program California has set a brilliant example to other states of USA. It has recognised the worsening quality of its air and has implemented strict measures to control the damage. Among its initiatives to reduce pollution, it has made it mandatory for cars manufactured after 1976 to participate in a biennial smog check program. It is done on gas powered vehicles older than six years to ensure that they follow the state required norms regarding smog emission.…

    • 499 Words
    • 2 Pages
    Improved Essays
  • Superior Essays

    1. In the above case, Mary Smith is suing Lending Store, Inc. for being fired without any form of explanation. Mary Smith can argue that she has been decimated and the company has violated the Equal Employment Opportunity Act of 1972. Under the Equal Employment Opportunity Act of 1972, “the right of all employees and job applicants (1) to be treated without discrimination and (2) to be able to sue employees if they are discriminated against” Cheeseman, 2007, p. 428).…

    • 1219 Words
    • 5 Pages
    Superior Essays
  • Improved Essays

    1970 Case Study

    • 493 Words
    • 2 Pages

    Federal standards dictate how much pollution autos may emit, and automakers decide how to achieve the pollution limits. The emission reductions of the 1970's came about because of fundamental improvements in engine design, plus the addition of charcoal canisters to collect hydrocarbon vapors and exhaust gas recirculation valves to reduce nitrogen oxides. The advent of "first generation" catalytic converters in 1975 significantly reduced hydrocarbon and carbon monoxide emissions. The use of catalytic converters provided a huge indirect benefit as well.…

    • 493 Words
    • 2 Pages
    Improved Essays
  • Superior Essays

    The simplest way to do this is to stop using cars that emit toxins. Secondly, electric cars do not react the same way that gas consuming cars react with the different elements in nature. Dealing with natural elements is hard to do because there is no predictability that all of the conditions will be the same every time that you try to recreate a specific scenario with very specific and detailed instructions. Gas pollutes and hurts these natural elements when electric cars cannot because it is not remotely possible for them to emit anything. (There are different types of electric cars that do have a very small engine and do emit gases, but I am only focusing on the purely electric cars that do not need any help from gas).…

    • 1356 Words
    • 5 Pages
    Superior Essays
  • Decent Essays

    1. Objective This report summarizes an Internal and External environmental audit of automobile industry in UK using PESTEL, SWOT and Porter’s Five Forces Analysis. 2. Brief Introduction of Automobile Industry in UK…

    • 1097 Words
    • 5 Pages
    Decent Essays
  • Great Essays

    Ian Slater ; NATS 1840 Helpful Ways of Electric Vehicles around our Atmosphere Rabisa Sukummar ; 213035191 Helpful Ways of Electric Vehicles around our Atmosphere Vehicles have become extremely significant to today’s community. It is essential to own a car that can compete amongst a world that is currently developing towards an individual satisfactory. Most individuals are usually gifted to wander around the world without this piece of equipment, because it gives self-government and suppleness, for those individuals who do not own a vehicle. I believe that the importance of cars that are electrical will reduce pollution because they do not make the same quantity of carbon in their cycle as internal-combustion engine; the must to change the batteries make them a lesser amount of green than the current technological industry.…

    • 2572 Words
    • 11 Pages
    Great Essays