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Personal Finacials

In: Other Topics

Submitted By keke2
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Current Economic State Essentials of Personal Finance Keyshunda Howard
University of Phoenix November 18, 2012

Abstract

As I began my research I found chief economist Jan Hatzius of the Global Investment Research talk about how the economy is expanding but at a slow rate. The current prime rate for the Wall Street Journal was reported to be 3.25% as of November 14, 2012. The Federal Discount Rate was 0.75,% and the 11th District Cost of Funds was at 1.038 and all of these were updated on the 14th of November. The current interest rates on a fixed credit card stand at 14.0%2 and variable credit cards interest rates are reported to be 14.59%. The United States unemployment rate has increased to 7.9% percent as of October of 2012. As for the state of Alabama the unemployment rate has dropped to 8.1%. The inflation rate had dropped down to 2.16% compared to what it was a year ago. The Gross Domestic Product was at 15775.7% as of November 14, 2012. Based on my study the different rates of the economy can influence a personal financial choice because it can help a person with their planning when it comes to buying a home, a car, or even starting a family. It is good to have credit cards but it is very important to know what the different rates are. When knowing what the rates are can help a person when it comes to buying thing and the way that you purchase the item or items. It also helps a person when it come to the way they choose to spend their money and it helps with the way the save money as well.

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