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rpi resume critique Critique of “ Dollarization in the Americas by Eric Schubert April 23, 2000 ” Case Discussion by Rajan Nischal. The author included a good definition of the concept of dollarization in the Introduction section. This included a summary and data on genetic engineering humans essay, how official dollarization would benefit both the for an, participating foreign country by lowering inflation and interest rates, and the United States by genetic engineering increasing demand for American goods. To arrive at this result, background information was provided on the three functions of money, vis--vis, as a unit of account, a store of value, and a means of exchange. A historical timeline was also provided on the various Latin American countries that have considered both official and unofficial dollarization and cpm homework, the resulting consequences they have had to bear politically domestically.

Data was provided on how the U.S. dollar circulates equally with the domestic currency in seven countries, accounts for 30-50 percent in twelve others, and accounts for between 15-20 percent in many more. Twelve economies that are already officially dollarized were discussed. Emphasis on writer, Panama as a model economy was provided and its historical experience was also discussed. Mexico , Argentina , Ecuador , El Salvador , Canada were also discussed as candidates for dollarization and a history of their domestic experiences was provided. The author stated that the purpose of the paper was to show that official dollarization with the U.S. dollar, particularly with countries in the Western Hemisphere , would be beneficial for both the United States and the Dollarizing Countries.

This purpose was supported by the Theory of Optimum Currency Areas, as introduced in 1961 by Robert Mundell , Professor of Economics at Columbia University and the 1999 winner of the Nobel Prize for Economics. The author discussed both benefits and peace essays | Neverland, criticism to genetic engineering humans dollarization for both the Dollarizing Countries and the United States of America . Included in the benefits for A seperate essays Dollarizing Countries were: Reduction in risk of currency devaluation, Improved domestic economic growth, Improved government finances, Lower transaction costs. While benefits for the United States of essay America included: Gaining more in new Seigniorage (I learned that Seigniorage is the profit a country earns from issuing its currency. It is the difference between the online cheap compare the ways larkin of death in their, cost of genetic printing a currency and the products the currency can buy. For example, it costs the U.S. about 3 cents to print a $1 bill, but the government can use it to buy $1 worth of goods. Thus the Seigniorage would then be 97 cents.

A $100 bill would therefore have a much higher Seigniorage value. The United States currently earns about $25 billion per year this way.), Increase in US exports, Eliminates currency conversion fees, Reduce American producer complaints and, Maintain premier currency status. Criticisms to Dollarization for Dollarizing Countries were discussed that included: Loss of Seigniorage , No lender of last resort due to the absence of a domestic central bank, Loss of monetary policy as the monetary policy of the United States of America would now also become the victorians in maine, policy for the country, Loss of essay writer national identity in some cases with the general public rejecting the idea of having pictures of A seperate peace | Neverland foreign presidents in their country, Miscellaneous one-time costs incurred when a country converts to the dollar. While criticism for the United States of America included: Monetary policy interference with the dollarized foreign country may try to engineering essay pressure the U.S. Peace Essays | Neverland? Federal Reserve into policies that favor their country, Possibility of returning to original currency by the dollarized country. The author concluded by stating that Dollarization isn’t a cure that will magically heal all of a country’s economic problems, but it can help put the country in genetic engineering writer a position for economic growth with low inflation and interest rates. The governments must also pair it with disciplined policies to | Neverland meet its full economic potential. The United States greatest benefit would be economic growth due to genetic engineering essay an increase in exports.

Until official dollarization does occur for these countries, the conclusion makershed james harden, United States is fortunate to be able to learn from any unforeseen problems the euro may encounter with multiple large economies sharing a common currency. Overall the paper was very informative, some appropriate data and references were provided to support the author’s discussion. Genetic Engineering Humans Writer? Following are comments that may be added to further solidify the original discussion. Further to the author’s discussion I found that varieties of dollarization include three main varieties: unofficial dollarization ; semiofficial dollarization ; and official dollarization . Particularly semiofficial dollarization did not seem to peace essays | Neverland be discussed, which may be discussed as, “More than a dozen countries have what might be called semiofficial dollarization or officially bimonetary systems. Under semiofficial dollarization , foreign currency is legal tender and may even dominate bank deposits, but plays a secondary role to domestic currency in paying wages, taxes, and everyday expenses such as grocery and electric bills.

Unlike officially dollarized countries, semiofficially dollarized ones retain a domestic central bank or other monetary authority and genetic engineering humans, have corresponding latitude to conduct their own monetary policy. Table 1 lists semiofficially dollarized countries.” Also, the issue of a Conclusion Essay Financial Integration to make dollarization work was not discussed in engineering writer detail. Financial integration may be discussed as follows: “If official dollarization goes no further than using a foreign currency, it does not achieve its full potential benefits. An officially dollarized country has a unified currency with the issuing country, but not necessarily an integrated financial system. To achieve financial integration, a country must allow foreign financial institutions to compete with domestic financial institutions.

Full financial integration occurs when the law allows financial institutions extensive freedom of peace essays | Neverland action to compete and does not discriminate against foreign institutions. In particular, it means that foreign financial institutions can establish branches, accept deposits and make loans, buy up to genetic engineering humans essay 100 percent of domestic institutions, and move funds freely into and out of the country.” Further, I found that the author could’ve have included “Issues in implementing official dollarization ”. From my readings on buy research online states constitution, the subject, it is clear that country considering official dollarization needs to genetic humans essay take a number of issues into account. These included: Which currency will be used? Dollarize unilaterally? Issue coins? Issues related to foreign reserves.

What constitutes reserves? What liabilities should be redeemed with reserves? Are existing reserves really usable? Prevailing exchange rates, Speed of dollarization ( Hausmann and Powell 1999), Attitude of the issuing country. Also, prior to adopting official dollarization , certain steps have to be taken. The author failed to discuss these in details to make a case on how countries should proceed with dollarization . In my reading I found these steps to include the cpm homework help, following: 1. Writer? Determine the portion of the central bank's liabilities that should be dollarized . 2. Assess the financial position of the central bank and the government. The amount of dollars necessary depends on the exchange rate, which will not be known with certainty until step 4 but can be calculated as a range of values.

If the central bank already has sufficient net foreign reserves, it can simply sell its foreign reserves for dollars and give people dollars at the fixed exchange rate for the portion of its liabilities that is to be dollarized . If the Writing a Conclusion for an, central bank needs more dollar reserves than it already has, it may still be possible to dollarize immediately by the government borrowing enough dollars to genetic essay writer cover the deficit of reserves. The central bank will then cease to exist in its current form and its assets and liabilities will become assets and for an, liabilities of the genetic engineering essay writer, government. 3. Essay? If there are doubts about the appropriate exchange rate for dollarization . There are three basic types of exchange rates: at engineering, one extreme, fixed rates; at the other extreme, floating rates; and in the middle, mixed arrangements that are neither fixed nor floating, including pegged rates, crawling bands, and target zones. A fixed rate is one in which the exchange rate in terms of online cheap in which larkin of death poems a foreign anchor currency remains constant because appropriate monetary institutions exist to make the genetic engineering essay writer, rate last. Officially dollarized systems and currency boards have fixed rates. A floating rate is one in paper online states constitution which the exchange rate is not maintained constant in terms of any foreign currency. The mixed types are those in which the genetic engineering humans essay, central bank limits the range of fluctuation in a more or less well defined way for the time being, but cannot guarantee that fluctuations will remain in No dissertation … that range.

Historical experience shows that central banks generally cannot maintain truly fixed exchange rates, and engineering, that those maintaining mixed types often allow the exchange rate to become overvalued, which creates the conditions for buy research paper constitution speculative currency attacks and devaluations. If the existing exchange rate is a mixed type that appears overvalued, it may be necessary to let the exchange rate float for a brief period so that it can find an appropriate, market-determined level. The government should not try to manipulate the exchange rate to achieve any particular level; it should let market participants determine the level. Manipulating the humans writer, exchange rate is costly. A highly overvalued exchange rate will price exports out of world markets and may create a recession, while a highly undervalued exchange rate will make imports expensive and No dissertation : College, prolong inflation. The exchange rate should float for a pre-established period not to exceed, say, 30 days. The float should be clean, that is, the central bank should not try to influence the exchange rate .( 8) During the float, the central bank should be forbidden to increase its liabilities unless it obtains foreign reserves equal to 100 percent of the engineering humans, increase. That will prevent the central bank from creating a final burst of inflation. The central bank should publish daily the key items of Writing a Conclusion its balance sheet of the previous business day, so that its actions are transparent and cause no destabilizing surprises.

If exchange controls exist, they should be abolished by the time step 3 begins. 4. At the end of the period of floating (if one is necessary), declare a fixed exchange rate with the U.S. dollar and announce that effective immediately, the dollar is legal tender. The fixed rate should be somewhere within the range of market rates during the period of floating, particularly toward the genetic, end of the year school essay conclusion makershed, period of floating. Setting exchange rates is an genetic engineering humans, art rather than a science, and there is no mechanical formula for making the transition from a floating rate to an appropriate fixed rate. School Rockets James Harden? If there is doubt about the appropriate rate, it is better to genetic humans essay err on the side of an apparent slight undervaluation rather than an overvaluation compared to recent market rates, so as not to online cheap compare the ways in which larkin the subject of death poems cause a slowdown in economic growth. Essay Writer? Experience indicates that an for an Essay, economy will quickly adjust to genetic engineering humans essay writer an exchange rate that is school harden approximately right.

Again, a large deliberate overvaluation or undervaluation is undesirable because it will require unnecessarily large economic adjustments. 5. Announce that effective immediately, all peso assets and liabilities (such as bank deposits and bank loans) are dollar assets and liabilities at the fixed exchange rate. Announce a transition period of no more than 90 days for replacing quotations of wages and prices in local currency with quotations in dollars. After the period of floating has ended and the exchange rate has been fixed, bank deposits in pesos will become deposits in dollars, while bank loans in pesos will become loans in dollars. Genetic Engineering Humans Essay Writer? Banks will charge no commission fees for buy essay compare the ways in which discuss in their the conversion. 6. Freeze the central bank's total liabilities and dollarize the humans writer, liabilities determined in step 1. Cpm Homework In Maine? Once the central bank starts redeeming the peso monetary base for dollars, commercial banks should not be allowed to charge commission fees for genetic engineering essay converting pesos into dollars. Commercial banks will probably want to convert their peso reserves into dollar assets immediately, and that can be done, but exchanging the peso notes and coins in circulation for dollars will be slower. The central bank or the government should continue to accept peso notes and masters : College …, coins for humans essay a set period, say one year, though the buy essay cheap in which larkin the subject of death in their, bulk of exchanges will be made in the first 30 days. After 30 to 90 days, peso notes should cease to genetic engineering be legal tender for hand-to-hand payments. 7. Decide what to do about coins. Given sufficient time, arrangements can be made to Writing for an have a supply of U.S. coins on hand to replace peso coins when dollarization occurs.

If dollarization is begun hastily, though, the supply of U.S. coins may be insufficient. Moreover, the fixed exchange rate may not be one for which coins have a convenient whole-number relationship to the dollar. If so, coins, and humans writer, only coins, can be devalued or revalued to a nearby whole-number equivalent that makes them decimal divisions of the for an, dollar. As in Panama , local coins can circulate alongside dollar notes. Because in most countries coins are only engineering a tiny portion of the monetary base, the overall effects will be small and the importance of this step will be correspondingly low. 8. No Dissertation : College …? Reorganize the engineering essay, components of the central bank as necessary. The central bank will cease to be an institution making monetary policy. A Seperate Essays? Its assets and liabilities can be transferred to the government or to a commercial bank operating as a trustee for genetic humans essay the government. Employees working on financial statistics, regulation of financial institutions, economic analysis, and A seperate peace essays | Neverland, accounting can be transferred to the ministry of finance or the bank supervisory agency. Alternatively, the central bank can be converted into engineering essay, a new independent authority in charge of financial statistics and financial regulation, with its organizational structure largely unchanged.

I also found in my readings that there are further Technical issues in official dollarization that the author did not discuss in details. These include: 1. Inflationary momentum? For example, The only difference between the last day of the peso and A seperate peace, the first day of official dollarization is that instead of being quoted in pesos, prices will be quoted in genetic engineering writer their equivalent values in dollars. If the constitution, dollarizing country was suffering high inflation under the genetic engineering writer, peso, inflationary momentum may persist for compare the ways in which larkin discuss the subject in their poems a short time after dollarization , but will be self-reversing since the genetic engineering essay, dollar monetary base is outside local control. In countries that are unofficially dollarized , people do not raise prices in dollars just because high inflation makes prices rise in the domestic currency; rather, prices in dollars are stable and prices in domestic currency fluctuate according to changes in the exchange rate. 2. Business cycles. Official dollarization will link the for an, local business cycle more closely to the business cycle in the United States more closely than a floating exchange rate would. Growth in domestic imports and exports will have some synchronization with growth of the humans writer, imports and exports of the issuing country because changes in the exchange rate of the dollar against, say, the Japanese yen will have similar effects in the United States and in the dollarized country.

However, the No dissertation : College, dollarized country can grow even when the United States is in humans essay recession, and may experience recession even when the United States grows. 3. Legal issues. Interest rates in dollars are lower and concentrated in No dissertation masters : College a narrower range than domestic-currency rates in most developing countries. If borrowers were paying 50 percent interest a year in high-inflation pesos but are now paying 50 percent a year in low-inflation dollars, that is a huge jump in genetic engineering essay the real (inflation-adjusted) rate of interest. Fortunately, under official dollarization lenders will be willing to Writing for an offer lower interest rates because their risk of losing money through inflation will be lower, so opportunities will exist to refinance loans. 4. Soundness of the banking system. Many developing countries banking systems that have remained troubled despite rescues by their central banks. When banks have bad loans, somebody has to humans essay writer bear the Writing for an Essay, cost, no matter what monetary system exists. Often people who hold domestic currency do most of the paying, through inflation that reduces the engineering essay, real value of victorians their assets.

Inflation in effect transfers wealth from the genetic essay writer, general public to essays bank stockholders and depositors. Official dollarization eliminates inflation as a way of genetic writer handling banking crises. Instead, some combination of bank stockholders, depositors, and the government (meaning ultimately the taxpaying public) must pay. Because central banking has no magical ability to make losses disappear, a troubled banking system is online cheap larkin and abse discuss of death in their no argument for delaying official dollarization . 5. Genetic Humans? Foreign debt. In extreme cases, official dollarization may occur where high inflation and other problems under central banking have led the government and A seperate | Neverland, corporations to default on their foreign-currency debt. Dollarization may improve their situation, because the domestic currency may appreciate before it is essay replaced by conclusion makershed the dollar, reducing the burden of foreign debt in engineering humans essay writer terms of domestic currency. However, even if the improvement is not enough to allow the government and corporations to resume payment of the debt, official dollarization can proceed. Officially dollarization prevents a government from printing domestic currency to obtain the resources for buy research paper states paying foreign-currency debt. Instead, the government must obtain resources in no inflationary ways or renegotiate the debt with the lenders. Unlike the typical case with central banking, with official dollarization , a country can have a good currency even without good government finances.”

I researched and used the following References/Sources as a basis for my arguments above:

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ancient athens essay This site was created for educational purposes by Kevin T. Glowacki. All content on this website (including text and photographs), unless otherwise noted, is licensed under a Creative Commons License. Literally, the humans essay, time before history, meaning before the written history of the Greek world. Our information comes to us by way of archaeology, and the mythology and traditions of later periods. The old, middle and new stone ages were a period of transition in the civilizations of the Aegean.

At the beginning of the Neolithic period there was a big change from a nomadic hunter-gatherer lifestyle to one of settled village life and agriculture. This term comes from the concept of the 'Ages of Mankind', originating with Stone, followed by Bronze, and Iron. (The words 'Industrial, Space, Nuclear' were not known at the time this system was created, but follow in the same spirit.) In archaeological terms the Bronze Age is divided into buy essay online the ways and abse the subject of death poems three periods, early, middle, and late. Essay Writer? On the island of Crete, the Writing a Conclusion for an, MINOAN civilization came to power during the early and middle phases, only to be eclipsed by the MYCENAEAN civilization on engineering humans writer the mainland of Greece in the Late Bronze Age. Paper United States Constitution? Following the collapse of the engineering writer, Mycenaean civilization at the end of the Bronze Age, most of the palatial centers disappear, accompanied by depopulation of surrounding areas. The apparently low level of culture (for example, the art of writing is Writing Essay lost) and genetic essay the general scarcity of information from this period makes it difficult to understand the changes occurring at this time. (This period is also sometimes called the Dark Ages.) Greek tradition states that the Dorians or Sons of Herakles invaded southern Greece, thereby driving out the last of the Mycenaeans (the Dorian Invasion). Sometime later, displaced Greek-speaking peoples moved into Asia Minor (supposedly led by the descendants of Ion of Athens) and settled along the coast (the Ionian Migration). ? The Historical Periods.

During this period the Greek polis (pl. = poleis ) or city-state develops, including Athens, Corinth, and Sparta. Archaeologically we see a greater, more developed, artistic output in the form of painted pottery and the rise of genetic humans writer, trade with other areas of the Mediterranean. Colonies are established in Italy and Sicily. The development of writing in the middle of the eighth century brings us out of the buy essay online cheap compare the ways larkin and abse discuss the subject poems, Dark Ages and into the historical period properly speaking. The epic poems of Homer, The Iliad and genetic humans essay The Odyssey , are widely circulated around the Greek world. Year Rockets James? The Archaic Period : 700-480 B.C. Genetic Essay? Individual city-states and their colonies prosper, giving rise to centers of essays | Neverland, political, religious, philosophic and artistic development. Many of the Greek cities in genetic, the mainland, Aegean islands, and buy research united the Ionian coast are ruled by tyrants, strong-willed men who rule, not by constitutional authority, but by popular support. Monumental sculpture, stone temple architecture, and civic building programs are among the achievements of this period. Greek cities in the eastern Aegean and humans essay writer Asia Minor come under the domination of the Persian Empire at buy essay online compare the ways in which larkin and abse discuss the subject of death in their the end of the sixth century.

An unsuccessful revolt by the Greeks living on the Ionian coast leads to the invasion of mainland Greece by the Persians in 490 B.C. and again in 480 B.C. The Archaic period officially comes to an end (at least for modern historians) with the engineering essay, defeat of the Persian forces at the Battles of Salamis and Plataia in 480/79 B.C. In the years after the Persian defeat, Athens takes the lead in a league of Greek states (the Delian League) sworn to pursue the war against the Persians. The Classical Period : 480-323 B.C. The acme of Greek civilization as viewed by many historians: literature, drama and the arts flourish throughout the Greek world. Athens enjoyed a period of wealth and power at the beginning of this period, successfully bringing the masters : College, democratic form of government to the fore. Athens grows rich off its silver mines and genetic engineering essay the tribute paid by the Delian League which becomes, virtually, the Athenian Empire. This is the time of the great #8220; Kimonian#8221; and #8220;Periklean#8221; building programs in Athens, which include the Parthenon and other famous temples on the Acropolis. Conflict with other Greek cities results in the Peloponnesian War (431-404 B.C.) and the defeat of Athens at the end of the fifth century. Buy Research Online States? Subsequent decades see the rise of Macedonian power, beginning with Philip II, and culminating with the conquests (and death in 323) of Alexander the Great.

The Hellenistic Period : 323- 31 B.C. Following the death of Alexander, his empire was divided into three parts: the Seleucids in Asia Minor; the Ptolemies in Egypt and the Macedonian (Antigonid) dynasty in Greece. The process of rule by kingship, common in the Near East, is genetic engineering humans established in round school essay conclusion makershed rockets james harden, the eastern area of the Greek world, including the Attalid dynasty in genetic engineering humans writer, Pergamon. These 'Hellenistic Kingdoms' were centers of learning and artistic patronage; institutions such as the Libraries at Alexandria and Pegamon were responsible for the preservation and transmission of much of earlier scholarship and literature. Athens ceased to be an important political center, but was home to important philosophical schools. The Roman Period in Greece: 31 B.C. - A.D. 323. The growing power of Rome eventually surpassed and engulfed the Hellenistic Kingdoms. With the defeat and subsequent deaths of Antony and Cleopatra, the last of the Ptolemaic rulers, in 31 B.C., Octavian (Augustus) incorporated much of what had been Greece into the Roman province of Achaia. Centers of learning and the arts such as Athens and Rhodes, as well as the sanctuaries of Delos and Delphi, continued to flourish in the Roman period, particularly under the patronage of such philhellenic emperors as Hadrian (A.D. 117-38).

Ephesos, Pergamon, and help victorians Aphrodisias were major Roman cities in Asia Minor. Genetic Humans Essay? The Byzantine Period in Greece : A.D. 323 - 1453. Constantine the Great created a new capital in the eastern half of the Roman empire, renaming the ancient Greek city of Byzantium Nova Roma, the New Rome, more commonly known as the city of Constantine, Constantinopolis (modern Istanbul). His religious conversion and political recognition of the Christian faith paved the way for the continuation, in Christian form, of the Roman Empire. Masters? Henceforth, the Eastern Roman Christian Empire known in modern times as the Byzantine Empire, carried on the traditions of Greek culture. Following the sack of Constantinople in 1204 at the hands of genetic essay writer, Latin Crusaders, much of Greece came under Frankish or Venetian ownership.

The Byzantine Empire finally came to an end with the capture of Constantinopolis by the Ottoman Turks in 1453.

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