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The Internal Assessment - Essay Example Service spending showed a modest rebound in the later parts of the year. The core inflation declined in the year 2013 to as low as almost full percentage point below the Board of Governors of Federal Reserve Systemâ€™s long term target. The Board of Governors of Federal Reserve Systemâ€™s long term target was at 2%. The bank also experienced an increase in US household net worth in the year 2013. There was an approximate growth of 12% in the home prices in the year 2013. However, signs of deceleration were seen in the final parts of the year. The treasury yield also experienced a rise over the course of the year despite the speculations that the Federal Reserve would adjust their pace of purchasing mortgage backed securities. Despite the fact that there was a federal government shutdown in the month of October, there was very minimal impact on the performance of the economy of the United States of America. the federal reserve made an announcement that it will reduce its security purchases in the year 2014. However, they had no intentions of raising the federal fund rates unless the employment rate had reaches the 6.5% threshold. Non-interest expense experienced a decrease from $2.9 billion to $69.2 billion. With relation to the project New BAC, which was first introduced during the third quarter of 2011, the bank continued to get cost saving in some noninterest expense categories (Adrien, Anderson, Garden, Lusthaus and MontalvaÌn 89). This helped them in the process of streamlining their workforce. The bank expects the total savings from this project to get to $12 billion by the year 2015. $1.5 billion per quarter of the same has already been realized by the year 2014. The bankâ€™s effective tax rate for 2013 was driven by their recurring tax preference items and by some tax benefits relating to non-U.S. operations, including additional tax benefits from the 2012 non- U.S. restructurings. These benefits were partially offset by the $1.1 billion
My senior year is very important and that is why I must use it efficiently. There are many things I hope to accomplish during my senior year. Graduation is my top priority because if I do not graduate my future will be in jeopardy. Clubs and extra activities are very important for college acceptance. I hope to get certified in the areas in which I have been training for. Getting into college so that I can be successful is the main goal in my life is. I hope to get accepted to a college or university by the end of my senior year. My schedule will be busy but I will hopefully have a future. Â Â Â Â Â Grades are one of the most important factors of my high school career. My grade point average and my SAT's determine what college I go to. They determine my effort at high school. I must do whatever possible to keep my grade point average above 3.0. My GPA currently is ok, but if I could increase it by just .2 I would be much better off. Grades are very crucial for getting acceptance to college. They are one of the major things that colleges look at to accept you (or so I have been told). So I will keep pushing myself so that my grades will increase this year, making it possible for me to hopefully enter a better school then I can right now. Â Â Â Â Â My extra activities are important so that I can get accepted in to colleges instead of other people. I have been training to get certified in computer repair; I hope to finally get certified this year. Work experience and the laptop club are activities that I joined in hope of filling up space on college applications, giving an extra edge (something to make me better then others). Any computer or business related extra activities would help me. Â Â Â Â Â College is the main goal of my life. It is a life dream to go to college to get a degree and get a successful job. Everything that I have done until this point is to get to college. During my senior year I plan to apply to many colleges and to take the SAT's to get into college. My GPA and SAT scores will be crucial for me to get into college. With college I will further my business career, making more successful in the field I enjoy doing.