Category: Investment

Investment Policy of the Republic of Uzbekistan

Importance of the topic of the course work. Uzbekistan has carefully transitioned from a centrally planned to a market economy since gaining independence in 1991. Understanding that foreign direct investment can help Uzbekistan grow and evolve while also removing the country’s change to a market-based economy and integration into the global economy, the country has welcomed foreign investors. Foreign direct investment boosts fixed capital formation and has a positive impact on the balance of payments because it represents an inflow of foreign capital. Investors have shown a keen interest in Uzbekistan’s manufacturing sector, with the hope of increasing the quality of these facilities. Above all, an FDI kit brings together science, technological, and managerial skills. Quite significantly, an FDI brings science, technological, and organizational skills to Uzbekistan, which are crucial for the country’s industrial transformation.

Uzbekistan has demonstrated stable economic development in recent years, reporting 6.6% GDP growth in 2020. The government of the country is continuing to introduce large-scale economic reform policies aimed at boosting development by modernizing state-owned monopolies and establishing a favorable environment for private and foreign direct investment.

In November 2019, President Shavkat Mirziyoyev created the Council of Foreign Investors, a body where executives and representatives of foreign companies, banks, investment companies, international financial institutions and foreign government financial organizations will be given the opportunity to improve the investment climate. And in speech of president of the Republic of Uzbekistan which addressed to the Oliy Majlis Shavkat Mirziyoyev admit that “Investment inflow has considerably grown. Foreign direct investments amounted to 4.2 billion US dollars, which is $ 3.1 billion or 3.7 times as much as in 2018. The share of investments in gross domestic product reached 37 percent. For the first time, Uzbekistan received an international credit rating and successfully placed $ 1 billion worth of bonds on the global financial market. For the first time in 10 years, our country’s position in the credit risk rating of the Organization for Economic Cooperation and Development has improved”.

The purpose of the course work topic. Study the structure, goals and objectives of regional and international financial institutions, theoretical and practical analysis of some of their financial activities and make important proposals and conclusions to raise the investment climate in Uzbekistan to a new level.

Uzbekistan has the potential of becoming one of the strongest economies in the post-Soviet region, with a population of over 34 million people – the largest in Central Asia – rich natural resource reserves, and considerably well-developed infrastructure. During the reporting period, policy priorities centered on increasing Uzbekistan’s investment attractiveness, including the introduction of a new currency regulation law to ensure the freedom of existing cross-border and capital movement transactions; a new law on investment activities to protect foreign investors’ rights; and a new tax code with lower and more fair tax rates and reporting criteria have been improved.

Above we talk about investment policy but at first we should know what is it. Investment policy- it is an integral part of the financial policy of the state, which is a set of methods and measures to attract, distribution and effective use of domestic and foreign investment resources.

Investment policy — a set of interrelated measures to ensure the required level and structure of investments in the economy of the Republic of Uzbekistan and its individual sectors, increase investment activity of investment entities aimed at finding sources of investments and identifying priority sectors for their use.

The purpose of the state investment policy – the implementation of structural reforms in the economy, GDP growth, higher living standards and welfare of the population through the mobilization and effective use of investments.

The main areas of investment policy of the Republic of Uzbekistan are:

• Creating and improving the regulatory framework of investment activities in Uzbekistan;

• Implementation of centralized investment for structural reforms in the country and growth of industrial production;

• Creating a favorable investment climate to attract foreign investment;

• Promote the investment activity of local people and businesses;

• Monitoring the protection of investors’ rights and fulfill their obligations, the improvement of the public administration which carry out the functions of regulation and control.

In the legislative area Oliy Majlis (Parliament), the Senate, the Cabinet of Ministers, the President, the Ministry of Justice Investment climate and the relationship between the participants of the investment activities Laws and regulations

In the financial and economic sphere The Ministry of Finance, The Ministry of Economy, MFER, line ministries and agencies, judicial authorities Investment market, bond market Safety measures and penalties

In the field of functional Central Bank and commercial banks, STC, Uzstandard, Patent Office, the Ministry of Foreign Affairs, insurance companies Monetary market, execution of tax, customs, insurance law Requirements, norms, procedures, established by the legislation, standards, guidelines

As can be seen on Table 1, the main purpose of investment policy is to improve the investment climate in the country, the development of the investment market and other components of the overall financial sector – banking, insurance, foreign exchange and money market.

Reforms in Uzbekistan during the three last years, such as liberalising the foreign currency market and establishing seven special economic zones with tax breaks for investors, has made the country a more appealing destination for international . According to the UNCTAD’s 2020 World Investment Report, FDI inflows increased significantly in 2019 to USD 2,3 billion, compared to USD 625 million in 2018. Total FDI stock stood at USD 9.5 billion in 2019. FDI traditionally arrives from Russia, South Korea, China and Germany, but Canada recently increased its financial presence. Investments focus on the energy sector, including alternativerenewable energy in recent years.

Uzbekistan ranked 69th in the World Bank 2020 Doing Business, same as the previous year. The country is one of the best-performing economies in three or more Doing Business surveys. As part of the president’s large-scale privatisation programme, the government hopes to encourage FDI, especially in specific industries such as banking, electricity, oil and gas, manufacturing, telecommunications, transportation, and agriculture. Uzbekistan is a landlocked country with abundant natural resources and a strategic location between China and Europe. Attracting private investment and developing funding mechanisms are critical components of the structural transformation. The percentage of overall investments funded by bank loans and other lending increased from 3,1 percent in 2000 to 13,3 percent in 2017. However, a high degree of government presence in the economy, bureaucracy, problems in the tax and customs spheres, and the banking system stifle domestic investment growth and foreign capital attraction.

The policy of liberalization reforms, initiated by the government in 2016, is paying off: the total volume of foreign direct investment attracted to Uzbekistan has grown from about $1.6 billion in 2018 to $4.2 billion in 2019. Uzbekistan was named as one of the top 20 “global improvers” in the World Bank’s 2020 Doing Business report, and the 2019 Country of the Year award winner by The Economist magazine.

According to Uzbekistan’s official statistics, the total volume of capital investments exceeded $21.5 billion in 2019. Financing sources included $4.2 billion FDIs and $5.6 billion as foreign loans. Major industries include mining, oil, and gas extractives, electricity generation, construction, agriculture, textiles, transportation, metallurgy, non-metalnon-mineral production, and chemical production.

Moreover, private companies have raised concerns about local authority growth plans that do not comply with newly enacted regulations on private property rights. Expropriation of small businesses’ property in favor of well-connected corporations or construction projects backed by state or local governments has been confirmed. The implementation of laws securing intellectual property rights is also missing.

The Government of Uzbekistan (“the government” or “the GOU”) has declared attracting foreign direct investments to be one of its top policy priorities, recognizing that increased private sector participation is essential for economic growth and highlighting social challenges caused by significantly higher unemployment and poverty rates. To entice more foreign investors, the government simplified entry visa procedures and widened foreigners’ residence permits. The new Tax Code, which went into effect on January 1, 2020, reduced corporate and individual income taxes by nearly half and significantly simplified taxation procedures for private businesses. President Mirziyoyev challenged all regional governments to make their territories more appealing to foreign investors and to provide quarterly FDI progress reports. He also established the Supreme Economic Council, which he proposed as a device for further economic reforms to be coordinated with multinational companies, specialist communities, and development banks. The government has yet to resolve a range of fundamental issues that companies and investors face, including state-owned monopolies’ dominance in key sectors of the economy, a lack of accountability in public procurements, a weak track record implementing public-private contracts, an underdeveloped and overregulated banking sector, and insufficient protection of private property rights.

According to the World Bank, between 1991 and 2016, fixed capital investment accounted for 29.38% of GDP in middle-income countries, 41.44% in China, 32.31% in India, 33.14% in South Korea, and 29.28% in Singapore. Malaysia accounted for 28.25 percent, Turkey for 25.55 percent, and Kazakhstan for 25.40 percent2. Given that this figure is 23.89% in our country, it is necessary to radically improve the investment climate and attract more investment.

It is important to accelerate the investment process in the economy, modernize the leading sectors of the economy and enterprises, and expand the use of banking services to ensure innovative development and increase investment lending. First of all, it should be noted that the share of private sector funds in investment financing is growing rapidly, and it would be appropriate to further expand the use of banking and financial market opportunities. The share of bank loans and other borrowings in total investment financing increased from 2.1% in 2000 to 3.1% in 2005, and by the end of 2019 to 13.3%. This indicator is an important positive trend in the rapidly changing environment of international financial markets.

Investment financing is primarily related to the ability of enterprises to obtain loans. In particular, the volume of credit investments in the real sector of the economy increased by 25.1% in 2016 and amounted to 53.4 trillion soums at the beginning of 2017 soums. 80% of these loans were long-term loans for investment purposes. Investment in fixed capital was increased to 91.8% in 2020. This is also a good change which effect to the economy.

The Investment Analysis of India

This report provides information on the current economic climate of the Republic of India, including the analysis and evaluation of several internal factors with the intention to demonstrate the attractiveness of this country for future, possible foreign direct investment. In further detail, the historical, political, societal, and economic conditions, including the general background of India, the structure of the government, the liberalization policy towards FDI, the economic environment, investment opportunities, and lastly, appropriate recommendations in favor of future investments will be discussed.

India is located in South Asia, more commonly referred to as the Global South; an area of the world that hosts a multitude of nations, previously considered to be exclusively marked by crippling low income, internal developmental incapabilities, and a lack of economic growth. Today, however, the term “Global South” is no longer plagued primarily by negative connotations, but is rather recognized by the international community as a steadily developing region with a highly populous emerging market. Positive economic impact can be specifically attributed to a group of particular countries that are geographically located within this region, internationally referred to as BRIC (Brazil, Russia, India, and China). Excluding Russia in this case, Brazil, India, and China are significant leaders in the increased economic presence of the Global South and will continue to be a force of power within the international community in the coming years. As India is listed among this distinct list, it would be economically beneficial to consider a future interest, as it is prime for foreign investment.

India fell victim to British imperialism in the late 1700’s and remained under the control of the British empire until the granting of their independence in 1947. The first wave of imperialism created a strict rule over Indian goods, trade ability, and the basic rights of citizens. Because of India’s key location in Asia, the abundance of valuable resources, and the large population, Great Britain sought to take advantage of unrestricted goods, a highly profitable trading competency, and inexpensive labor force. Though subjected to a dominant nation, it is possible that India profited through economic development, infrastructure improvements, and the integration of a more stable system of common law (Living in the British Empire: India), however, it is also possible that colonization created a habitual dependency whereby India seemed incapable of self determination and future stability. “In 1947, Great Britain granted independence to India after which decolonization—the freeing of colonial peoples from their dependent status—gathered speed” (Kegley and Raymond 276). From 1947, India began the process of independent development, attempting to solidify their global economic presence within the international community. Though previous exploitation and control by dominant forces created a considerable disparity, India has since surpassed the expected rate of developmental growth and is projected to continue in surpassing future expectations.

India has since formed itself into a federal parliamentary republic, based on the common law system of the British Empire including an executive branch, legislative branch, and judicial branch, which oversees approximately 28 states and 9 union territories (The World Factbook: India). The Indian government has made strides towards liberalizing their policies towards foreign direct investments in order to attract firms capable of increasing the economic productivity of the country and advancing further international market entry and growth. Foreign direct investment, commonly known as FDI, is the investment in a particular country by an individual or company from another country. “By adopting a liberal, friendly, and flexible policy towards foreign direct investment during the 1990s and 2000s including incentives, exemptions, and business policy relaxations, the country became host to massive inflows of FDI in concert with her efforts to create more favorable settings through trade liberalization, market deregulation, privatization of national ownership and encouragement to regional integration” (Kumar and Dhingra 1). For market seeking firms with a need for political safety, India remains a relative to low risk country compared to others within the Global South. India also presents a multitude of attractive investment factors apart from the traditional seeking of political safety including an increase in market size, a steady incline in the growth of Gross Domestic Product, an escalating population with a higher purchasing power, and a large, capable pool of skills labor workers across numerous sectors.

“India represents one of the largest consumer market opportunities of the next two decades” (Beinhocker, Eric D, et al 61), and is “projected to be one of the most lucrative markets in the coming years, especially in regard to e-commerce, with a market value of $16 billion in 2016 that was expected to grow to $48 billion by 2021” (Dess, Gregory G., et al 227). The market will continue to increase as economic productivity is expanded and perfected at a faster rate. Increased productivity leads to an increase in economic ability, which in turn leads to higher household incomes and greater purchasing power, which eventually is put back into the Indian economy to be used for internal development and international participation, creating a more attractive investment perception to foreign interests. With a population size of approximately 1.3 billion people, India represents the second most populous country in the world, trailing only China, though India is expected to surpass China within the coming years. Of India’s population, the labor force, heavily made up of skilled youth workers educated in society’s most notable and sought after fields, remains as a valuable resource for firms attempting to enter specific sectors. Though India’s purchasing power and GDP continue to steadily rise, with “projections by many analysts suggesting that India’s percentage share of the world’s gross domestic product will rank third by mid-century, behind only the United States and China” (Kegley and Raymond 183), and consumers are transitioning from lower income status to the middle class, it still remains a moderate to extremely low wage workforce. In this case, labor and production efficiency seeking firms looking for foreign investments can still expect an inexpensive outlet while continuing to reap the benefits of a new market entry, higher consumer power, and cheaper labor costs.

As India continues to surpass expectations, foreign investments can be considered an economically viable and rewarding option for individuals and firms. Political safety seekers can find solace in the liberal attitude of the Indian government towards FDI and low risk “ease of doing business.” As the projected growth of India’s market size, GDP, and consumer capability, market seekers will not only experience an ease of entry but also a highly profitable opportunity. Labor and production efficiency seekers can expect to find a low wage, yet skilled labor force ready to contribute productively without causing financial hardship on the investor. In conclusion, India remains today as one of the most highly anticipated emerging markets, committed to internal development, participation in the international community, and is ripe for a future of profitable foreign investment.

Why South Africa May Struggle to Attract FDI: Analytical Essay

South Africa is a country with huge potential to grow economically and socially but it is hindered by many socio-economic factors such as poverty, poor standard of education, high crime rate and lack of investments. Foreign direct investment (FDI), generally refers to an investment by an individual or firm in a business in another country. FDI is crucial for economic growth it provides capital, entrance to foreign technology, knowledge and managerial skills and leads to other essential inputs. South Africa’s attractiveness to FDI is high compared to other African countries because of high returns on investments. Contradictory, though there had been small interest in South Africa. There are numerous reasons why south Africa is struggling to attract FDI even though it has high attractiveness on FDI. The biggest problem South Africa is facing are investment barriers such as crime rate, poor infrastructure, political instability and weak domestic conditions that can hamper the ability of a country to profit from ingoing FDI. Without the necessary preconditions, FDI can limit knowledge spillover, crowd out domestic investments and intensify market concentration. South Africa has been undoubtedly struggled to attract FDI. According to data from South African reserved bank, foreign direct investment decline significantly from a record of 8.3 billion dollars in 2013 to 2.3 billion dollars in 2016, a more than triple reduction over the past three years, notwithstanding high returns. A country’s attractiveness to FDI is related to macroeconomic factors such as exchange rate, inflation rates and political stability. When a country is associated with high corruption levels it becomes more difficult for the country to lure FDI.

The high levels of corruption in South Africa possess negative impact on attracting FDI. Investors want to invest in a country where corruption is low, transparency and reliable. The corruption that has been happening in South Africa over the past years and that is still happening is making harder for South Africa to attract foreign investments and because of poor leadership and the corruption that has been connected with people who are in high position in parliament. Countries, before they invest to other countries, look at the reputation and the status of that country and if it is associated with poor governance and corruption that decreases the chances of them investing in that country. The most important things they look at is economic risk which refers to a country’s ability to pay back its debt, a country with a stable finances and stronger economy is considered as more reliable investment than a country with weaker finances another is political risk which refers to the political decisions made within a country that might result in an unanticipated loss of investors and lastly they look at sovereign risk which refers to the risk that foreign central bank alter its foreign exchange regulations. South Africa has been linked with junk status. This signals the investors that there is a bigger chance that the government will not be able to pay back its debt and creates negative outlook to potential investors. The corruption that is happening in South Africa does not only have a negative effect in attracting FDI but on the country’s development too and is one of the reasons why South Africa is struggling to grow and fight poverty.

The impact of corruption goes beyond the corrupt individuals, it also affects the innocent who are implicated or the reputation of the organization they work for. Corruption erodes the trust we have in the public sector to act on our best interest it also wastes tax that are reserved for crucial community projects meaning people have to put with poor quality service, due to corruption we have financial loss, wasted taxpayers fund, poor infrastructure and lower community confidence in the public authorities. These are the reason that will make South Africa struggle to attract FDI even though it has high attractiveness to FDI.

To sum it all up based on the evidence provided it is clear that South Africa will continue to struggle on attracting FDI dispute having democratic economy and natural resources that are desired by foreign countries. This is because of investment barriers such as political instability, corruption and poor infrastructure.

References

1. Sabelo, M., 2018. Investment Barriers Are Number One Problem. Available: https://www.google.coo.za/amp/s/my.co.za/article/2018-09-07-00-investment-barries-are-no-1/%3famp [Accessed 12 May 2020].
2. Brian, P., 2018. Evaluating Country Risk for International Investment. Available: https://www.investopedia.com/articles/stocks/08/country-risk-for-international-investing.asp [Accessed on 23 May 2020].
3. Krista, T., 2011. The Role of Investment Climate and Tax Incentives in the Foreign Direct Investment Decision: Evidence from South Africa Journal of Business 12(1):133-147.
4. PricewaterhouseCoopers, 2010. What Foreign Investors Want: South African Insights from a Global Perspective on Factors Influencing FDI Inflows since 2010. Available: https://www.pwc.co.za/en/assets/pdf/strategy-and-what-foreign-investors-want.pdf [Accessed on 22 May 2020].
5. Hunter, R., & Army B., 2009. Foreign Direct Investment in South Africa Denver: Journal of International Law and policy, 27(3): 337-339.
6. Richard, W.R., 2016. Past Legal Development and Future Political Treads: Foreign Mining Investment Law. Switzerland: Springer International Publishing. 28-29.
7. Independent Broad Based Anti-Corruption Commission, 2020. Impact of Corruption. Available: https://www.ibac.vic.gov.au/preventing-corruption/corruption-hurts-everyone [Accessed on 25 May 2020].

Future of Venture Capital Essay

Introduction

Venture capital has long been a catalyst for innovation and economic growth, fueling the development of groundbreaking technologies and driving entrepreneurial ventures. As we stand on the cusp of a new era of disruption and transformation, the future of venture capital holds immense potential. In this opinion essay, I will share my personal perspective on the future of venture capital, exploring the evolving landscape, emerging trends, and the transformative impact it can have on shaping industries and addressing global challenges.

Embracing Technological Advancements

The future of venture capital lies at the intersection of technology and innovation. As breakthrough technologies such as artificial intelligence, blockchain, and biotechnology continue to reshape industries, venture capital will play a crucial role in nurturing and supporting startups at the forefront of these advancements. The ability to identify promising technologies, invest in visionary entrepreneurs, and provide strategic guidance will be essential in driving future growth and success.

Focus on Sustainable and Impactful Ventures

In an era marked by growing environmental concerns and social consciousness, the future of venture capital will witness a heightened emphasis on sustainable and impactful ventures. Investors will prioritize startups that demonstrate a commitment to sustainability, social responsibility, and ethical practices. Funding will be directed towards companies that offer innovative solutions to address global challenges, such as climate change, healthcare accessibility, and income inequality. Venture capital will serve as a catalyst for positive change, aligning profitability with purpose and driving societal and environmental impact.

Collaborative Ecosystems and Global Expansion

The future of venture capital will be characterized by interconnected ecosystems and global expansion. Investors will seek out opportunities beyond traditional hubs, embracing emerging markets and supporting startups with diverse perspectives and cultural backgrounds. Collaborative networks and partnerships between venture capitalists, entrepreneurs, corporates, and academic institutions will foster innovation and knowledge-sharing. This interconnectedness will transcend geographical boundaries, allowing startups to access capital, talent, and resources on a global scale, fueling cross-border collaborations and unlocking new growth opportunities.

Empowering Underrepresented Entrepreneurs

The future of venture capital must strive for greater inclusivity and diversity. It is imperative to break down barriers and create opportunities for underrepresented entrepreneurs, including women, people of color, and individuals from marginalized communities. Investing in diverse founders not only promotes fairness and equality but also unlocks untapped potential and fosters a more inclusive and innovative startup ecosystem. Venture capital firms should actively seek out and support diverse talent, providing mentorship, funding, and resources to empower underrepresented entrepreneurs and bridge the existing funding gap.

Conclusion

The future of venture capital is a landscape brimming with possibilities. As we navigate through technological advancements, tackle pressing global challenges, and prioritize sustainability and inclusivity, venture capital will continue to play a pivotal role in shaping our future. By embracing emerging trends, nurturing transformative ventures, and fostering collaborative ecosystems, venture capital has the potential to drive innovation, address societal needs, and create a more prosperous and equitable world. Let us seize this opportunity to reimagine the future of venture capital and unlock its full potential as a catalyst for positive change.

Essay on the Advantages of Investment in Real Estate

Investing in real estate is proving wise act. It is said that investing in real estate is getting popular and profitable with the potential for success. Investing in real estate offers many advantages, and about them, I want to discuss in my essay.

Firstly, investing in real estate will give ownership of a particular land. Now you are free to use it in anyways. Wherever you reside, mentally you are independent in that you own the land and can shift onto it any time you need to get rid of paying rent to another’s property.

Moreover, you can generate a regular income from that land in the form of rent. This will bring freedom to your spending. For example, a builder in Amravati builds new houses and commercial spaces not only for the customers but also to keep some property in his name.

Investing in real estate on time accumulates a huge income for you at retirement age. The cost of the properties keeps increasing with time.

Also, it gives you a boss feeling. Investing in real estate and owning a piece of land or a ready house or any commercial space gives you ownership of that investment made. You can hold the property for a short time and resell it to gain a profit. This added amount of profit can be reinvested in buying more properties. If your time favors you and your logic works out, you can become an entrepreneur.

Most of the people who plan to invest their complete savings in real estate fear inflation. Every business has a little risk that can’t be avoided. But, real estate can be hole back in times of inflation. As the prices rise, the rental income plus the base value of the property rise.

Investors in real estate get an opportunity to add more luxuries to their present life by earning rental value or saving the rent they paid for years. It is viewed by many builders and developers’ lifestyles which have altered with the passing of time. Once, the beginners in the real estate industry, they are now known as the top builders and developers.

Real estate investment proves ways to build wealth with the passing of time. It is proven to generate cash when leased. It provides tax benefits through depreciation.

In addition, the real estate property can be used for a mortgage. Any person holding real estate can get a loan or money from private organizations to end up with their present struggles in life. Later, when the mortgage amount is paid off, the property can be reused or sold at good prices.

Another overlooked benefit of investing in real estate is that you are providing homes to many. Every person on this land is unable to purchase a real estate property. But, when you buy additional properties and avail it for rent, it helps many people to find a shed to live in all seasons.

The people holding money in accounts and are planning and interested in real estate have many opportunities to fix their money in different forms in real estate. Like, they have the option to invest in one-bedroom, multi-family homes, bare land, commercial buildings, etc., it all depends on the amount in accounts. They can invest in more than one piece of real estate if they are interested.

The best thing about investing in real estate properties is that the value of it never goes to zero. Even in difficult times of natural disaster, the land holds its value.

Also, it is well known that the returns from real estate properties are high. But often, if the economy favors it, the owner gets more than double out of selling any real estate property.

And the last advantage is that due to the formation of nuclear families, more living spaces are required, therefore, investing in residential property is never a loss.

Summing up, it is obvious that investing in real estate is really profitable. As the above information shows, investors in real estate can enjoy the income flow that leads to a helping hand in financial freedom.

The Issue of School Finance: Persuasive Essay

“The last thing that should happen is funding cuts for education; it should be increased. We need to put more money towards education, and anything else is abusive” (Flea). This extract is one of the numerous heavily backed-up intellections about why financing schools needs to be a priority. The topic of school finance is a critical issue, the benefits of funneling greater capital from state governments to schools should be taken into serious consideration. With excess money transferred from state governments, it’s possible to have teachers paid more, fund a better learning environment, and even provide capital for low-income students. The main idea is that the outcome of the financial backing of schools will inevitably have tremendous positive impacts on how the education system is perceived.

The environment is a major factor in shaping a student as they evolve. Improving the environment students are around can yield great benefits. Financing can be used to hire more teachers leading to a lesser amount of students in a class. Class sizes should be reduced so teachers can focus their learning energy on a smaller target, benefits can include increased participation, individual attention, and increased communication between teachers and students. Funds can also go towards facilities that will ensure the solid health and safety of staff and students. The positive environment around students will create a prosperous impact. If students are around a school environment daily, it should be one that can have an impact on their learning experience in a great way, a great classroom can inspire a love for learning. One may argue that trying to manipulate students with a modified environment would be ineffective since kids may not care about their surroundings while learning, and it would be impractical to invest in such a huge factor in schools. While this may be a valid idea in an uneducated mind, studies prove that the environment people are in has a major impact on their well-being depending on various factors in their environment. Google implements an environment that motivates and empowers its workers. From spacious facilities to modern fun rooms, these types of qualities contribute to an efficacious classroom. Irrefutable evidence proves the environment people are in has massive impacts on energy that is given off in turn leading to more satisfactory surroundings.

Not only can funding environments positively influence students, but also affect teachers as well. The fact is that teachers are underpaid, the American education system simply undervalues their craft. There have been many times when teachers have gone on strike to protest these low unsatisfactory wages. It is obvious that teachers are unhappy with their pay. In the grand scheme of things, teachers play an immense role in a student’s life. An incredible amount of youth years are spent at schools where teachers help build students’ futures. Schools and students depend on teachers, they are the ones who will guide students to start their base for the future. With such an important role, one would expect that they would get paid greatly. Compared to other jobs like medical-related ones, you may assume that they are paid more since they have spent years studying to save lives, but teachers have long-term effects on lives. To put it into another perspective, both professions are being asked to take liability for the breakdown of society in several aspects. Teachers help students grow and thrive. Teachers put in so much effort for their students. They stay after school to help students, come to school early, and sacrifice so much just to make sure students have the best opportunities they can provide to students. Another opposing argument may be that anyone could be a teacher, but as school teachers have years of training, they will be more effective ones. Due to these extra hours and effort put in, they deserve to be paid more. Extra financing would satisfy teachers and even motivate them to always be at their best. These teachers hold the future of the nation in their hands. It would be wise to invest in people who will help these students grow.

It is possible to prepare students, but are all students given the same opportunity to learn as other students? Not all students have access to money for school-related items or activities. This limitation can constrain their capabilities in the learning environment. Money needs to be set aside for students from low-income families who are struggling. Helping students beat poverty will allow them to focus more of their energy on school. It also takes off some of the worries of financial anxiety. This money can help students who can not afford the school necessities. For example, cash can help with paying for tests, food, and even activities. This money will open up more opportunities for those in low-income families. Some may argue that schools should use this money on other aspects or even equal financial help to all students no matter their background. It should be noted that schools should be fair and not give one side an unfair advantage over another. No one should be discouraged because of their financial background. Instead, students should be motivated to excel in school no matter their background, but financial aid will take the stress out of financial struggles. Low-income students often suffer in school from their situation, sometimes it’s not even their fault, and they have no other choice but to suffer in silence. By financing these students, we can help close the success gap between students. Now that the economy is more stable than it used to be, it is time to get financing for the schooling of our country.

As some students barely get by, schools can also be in the same situation, financing schools would benefit the youth who need proper nourishment to mature into adults ready for the future. Backing schools can result in an inspirational environment for students to thrive in. It can result in teachers being satisfied and motivated to help students grow, the future of the country rests in teachers’ hands, and they should be valued for their dedication. Financing will also contribute to helping beat school poverty, which will provide the necessary resources for success. Federal money is the main way to help schools to gain capital. Gaining the attention of state governments which have the authority over financing of schools is crucial if change is going to occur. Campaigns will be made to call out our state governments to advocate for greater school funds. They will include how we will set aside this money and what benefits it would produce. School is a place to cultivate a base for the future. If so much effort and time are contributed to schools, it should be a priority that schools are highly regarded financially.

What Is Personal Investment: Narrative Essay

Introduction

In today’s fast-paced world, personal investment has become an essential aspect of individuals’ financial well-being and long-term stability. It is a journey that goes beyond simply saving money and delves into the realm of making informed financial decisions and taking calculated risks. Join me on a narrative exploration of personal investment as we navigate through the ups and downs, the triumphs and setbacks, and the ultimate empowerment that comes from taking control of our financial future.

The Seed of Curiosity

Every personal investment journey begins with a spark of curiosity—a desire to understand the intricacies of financial markets, wealth creation, and long-term financial planning. It was during my college years when this seed was planted. I devoured books, attended seminars, and engaged in conversations with financial experts to expand my knowledge and gain a deeper understanding of personal finance.

Setting Goals and Building Foundations

Armed with newfound knowledge, I embarked on the crucial step of setting clear financial goals. Whether it was saving for a dream home, funding my children’s education, or retiring comfortably, each goal represented a milestone in my personal investment journey. I also laid the foundation for financial success by creating a budget, managing debt, and establishing an emergency fund. These steps provided a solid framework upon which I could build my investment portfolio.

Diving into the Market

With goals in place and a solid foundation established, it was time to venture into the world of investments. This chapter was marked by a mixture of excitement and caution as I carefully researched different investment options. From stocks and bonds to mutual funds and real estate, I explored the various avenues available to grow my wealth. I learned the importance of diversification and the need to balance risk and reward.

The Lessons of Risk and Resilience

No personal investment journey is without its share of setbacks and challenges. This chapter was a period of learning through experience. I faced market fluctuations, unexpected economic downturns, and investment decisions that didn’t pan out as expected. However, these experiences taught me resilience and the importance of staying committed to my long-term goals. I learned to embrace setbacks as valuable lessons and to make adjustments along the way.

Seeking Guidance and Continuous Learning

Throughout my personal investment journey, I recognized the importance of seeking guidance from financial advisors and experts. Their insights and expertise helped me navigate complex investment strategies and make well-informed decisions. I also realized the significance of continuous learning in the ever-evolving world of finance. I stayed updated on market trends, read financial news, and attended seminars and workshops to sharpen my skills and stay ahead of the curve.

Empowerment and Financial Freedom

As the chapters of my personal investment journey unfolded, I witnessed the transformational power of taking control of my financial future. Through diligence, discipline, and calculated risks, I began to see my wealth grow. The achievement of my financial goals brought a sense of empowerment and freedom. I was able to make choices and pursue opportunities that aligned with my values and aspirations. Personal investment became a catalyst for shaping the life I desired.

Conclusion

The narrative of personal investment is not only about numbers and financial gains; it is a journey of self-discovery, resilience, and empowerment. It requires curiosity, goal-setting, risk-taking, continuous learning, and seeking guidance along the way. Through the trials and triumphs of my own personal investment journey, I have come to appreciate the transformative impact it can have on one’s life. It is a powerful tool that allows individuals to shape their financial destinies, embrace opportunities, and achieve a sense of security and freedom.

Investment Planning Is Complicated by Tax Concerns: Persuasive Essay

Introduction:

Investment planning is a crucial aspect of securing financial stability and achieving long-term goals. However, the complexity of tax concerns often adds layers of confusion and uncertainty, making investment decisions challenging for individuals. This persuasive essay aims to highlight the significance of simplifying investment planning by addressing tax concerns. By advocating for clearer tax regulations and promoting accessible resources, we can empower individuals to make informed investment decisions and maximize their financial outcomes.

Body:

Complexity Creates Barriers:

The intricate nature of tax regulations and their impact on investments creates barriers for individuals seeking to plan their finances effectively. The myriad of rules, deductions, exemptions, and rates can overwhelm even the most financially literate individuals. The complexity of tax concerns often deters people from engaging in investment planning, limiting their potential for financial growth.

Impact on Investment Performance:

Tax considerations significantly influence investment performance. The lack of clarity and complicated tax laws make it difficult for investors to assess the tax implications of their investment decisions accurately. This uncertainty can lead to suboptimal investment strategies, resulting in missed opportunities and potential losses. Simplifying tax concerns in investment planning will enhance transparency and enable investors to make informed decisions aligned with their financial goals.

Compliance Challenges for Individuals:

The burden of complying with intricate tax laws falls heavily on individuals. Navigating complex tax codes requires time, resources, and expertise, often necessitating the assistance of professionals. This creates an additional financial strain for individuals who may not have the means to seek professional advice. Simplifying tax concerns will reduce the compliance burden, enabling individuals to take control of their investment planning without excessive reliance on external assistance.

Encouraging Economic Growth and Participation:

Simplifying investment planning by addressing tax concerns has broader implications for the economy. When individuals feel empowered to make sound investment decisions, they are more likely to participate in financial markets. Increased participation not only stimulates economic growth but also fosters a culture of financial responsibility and independence. By removing barriers and simplifying tax concerns, we can promote broader participation and contribute to a more vibrant and inclusive economy.

Promoting Financial Literacy:

Simplifying tax concerns in investment planning is an opportunity to promote financial literacy. By providing clearer guidelines and educational resources, individuals can enhance their understanding of tax implications and make informed investment decisions. Accessible information and educational programs will empower individuals to navigate investment planning with confidence, ensuring better financial outcomes for themselves and their families.

Enhancing Investor Confidence:

Investor confidence is crucial for the stability and growth of financial markets. Complex tax concerns can undermine this confidence, leading to hesitation and skepticism among potential investors. Simplifying tax regulations and providing greater clarity will foster trust and confidence in the investment landscape. As individuals feel more comfortable navigating tax concerns, they will be more likely to engage in investment planning, contributing to a healthier and more robust economy.

Conclusion:

The complexity of tax concerns hampers investment planning and restricts individuals’ ability to achieve financial stability and growth. By simplifying tax regulations and providing accessible resources, we can empower individuals to make informed investment decisions. Clearer guidelines, educational programs, and reduced compliance burdens will not only simplify investment planning but also promote financial literacy and enhance investor confidence. Addressing tax concerns is a necessary step towards creating a more inclusive and accessible investment landscape, ensuring that individuals can maximize their financial potential and secure a prosperous future.

As advocates for simplifying investment planning, we must push for legislative reforms, promote financial education, and encourage transparent communication between tax authorities and individuals. By working together, we can remove the complexities surrounding tax concerns and enable individuals to navigate investment planning with confidence, leading to a stronger and more equitable financial future for all.