Explain in detail how would each following events affect the u. s. money supply? a. banks decide to hold more excess reserves. b. people withdraw cash from their bank accounts for christmas shopping. c. the federal reserve sells gold to the public. d. the federal reserve reduces the interest rate it pays on deposits of depository institutions held at the fed. e. a financial crisis leads people to sell many of their stocks and deposit the proceeds in bank accounts, which are federally insured. f. the federal government sells $20 billion of new government bonds to the federal reserve. the proceeds of the sale are used to pay government employees. g. the federal reserve sells some of its government securities in tokyo for yen. h. the federal reserve increases reserve requirement. i. the federal reserve decreases the discount rate.

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answertrue;

of the three mortgage options that demarco and tanya have to choose from, the balloon payment mortgage would be their best option, over adjustable payment and fixed payment plans.ultimately, the balloon payment plan would save demarco and tanya overall, in interest, would cost less monthly, and they would only have to make these payments for 8 years, opposing to 30 years for adjustable or fixed payment plans. 

overall, demarco and tanya would save $80,811 if they chose balloon payments over fixed payments, and would save $116,711 if they choose balloon payments over adjustable payments. benefits with choosing fixed payments over adjustable payments is that, in the end, the payments will still be $836.30 a month, while with adjustable payments, the initial monthly payments will be $763.38 to $1082.70 a month, ultimately leading to a more costly purchase. benefits with choosing fixed payments over balloon payments are not present. benefits in choosing adjustable payments over is that it has a lower interest rate, and starts with lower monthly payments initially. benefits in choosing adjustable payments over balloon payments include a lower interest rate, and lower initial monthly payments. benefits in choosing balloon payments over fixed payments include lower interest rates, lower overall price, lower monthly payments, takes less time to pay off, and does not require a downpayment. benefits in choosing balloon payments over adjustable payments include, lower monthly payments (when averaged), takes less time to pay off, and lower overall price.

hence, option c, balloon payments, is the best option for demarco and tanya to make this purchase, for it will save them a minimum of $80811, and a maximum of $116,711.