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1 Assuming a bank only keeps enough of its reserves to meet its reserve requirem

ID: 1199275 • Letter: 1

Question

1 Assuming a bank only keeps enough of its reserves to meet its reserve requirement, how much money is created when a bank receives a deposit from an individual of $100,000 and there is a 25% reserve requirement.

2 Assuming a bank only keeps enough of its reserves to meet its reserve requirement, how much money is created after the Federal Reserve purchases $40,000 worth of bonds from a bank (this means they deposit $40,000 in that bank's reserve account) and there is a 10% reserve requirement?

3 All of the following are true EXCEPT

4 I believe that the tax rate for Social Security is not high enough to pay me the benefits promised to me when I retire. At current tax levels, I believe that my benefit will be less than promised when I retire (this is the same as a higher implicit tax). As a result, I save money to make up for this shortfall in Social Security payments I believe will occur. This is an example of?

it will be politically easy to raise taxes on young workers

Explanation / Answer

Answer1: Credit creation capacity of a bank = Primary deposits multiplied by reverse of reserve requirements = 100000/25% = 400000

Answer2: Credit creation capacity of a bank = Primary deposits multiplied by reverse of reserve requirements = 40000/10% = 400000

Answer3: It will be politically easy to tax young workers because it will be very difficult and ret all statements are true.

Answer4: Making best choice given varied options.