The Federal Reserve uses three tools to set monetary policy through the banks. Identify these three tools and provide an example of how each tool affects individual consumers.

The Federal Reserve three tools to set monetary policy through the banks are:

Discount Rate which is the interest rate that the Federal Reserve charges the banks in order to borrow the currency. The Discount rate is what the bank and many other institutions accept the monetary deposits to pay the borrowed amount of money from the Federal Reserve. If the Discount rate is decreased member banks borrow more money, and the banks will loan more money to the people. But if the discount rate is Increased, then member banks will get less money and the banks loan will be less for the people.

Reserve Requirement which is the percent of the banks deposits which must be kept as currency and coin on the bank. Banks and others of the financial entities will be required to keep an amount of the money on deposits to the Federal Reserve in order to cover the liabilities that can be against the deposits their customers make. If the Reserve Requirement is decreased, banks keep less money in the vault, but will loan more for the people. If they are increased, the banks will get more vault money and fewer loans available to people.

Open Market Operations are the Federal Reserve are the buying and selling of government securities bonds, which is considered to be the most significant of the three tools. If the Federal Reserve gives the bank the money for the bounds, more money will be made for the loans in the banks and there will be more money for the people. But if the Federal Reserve gets money from the banks then there will be fewer loans available to people by bank.

1. read the following excerpt from franklin d. roosevelt's "fireside chat 19":

on the other side of the picture, we must learn also to know that guerilla warfare against the germans in, let us say serbia or norway, us; that a successful russian offensive against the germans us; and that british successes on land or sea in any part of the world strengthen our hands.

remember always that germany and italy, regardless of any formal declaration of war, consider themselves at war with the united states at this moment just as much as they consider themselves at war with britain or russia. and germany puts all the other republics of the americas into the same category of enemies. the people of our sister republics of this hemisphere can be honored by that fact.  

the true goal we seek is far above and beyond the ugly field of battle. when we resort to force, as now we must, we are determined that this force shall be directed toward ultimate good as well as against immediate evil. we americans are not destroyers — we are builders.

analyze the effectiveness of this excerpt. how does it function within the speech as a whole? how does the structure of the excerpt to convey the speech's purpose and key points? support your argument with evidence from the speech. (10 points)

its duck

me jerry

explanation: