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each question half page with minimum two references
 substantive response to the question  
Q1
 I found something interesting in the article How To HIre The Right Person For The Job.  Look at this quote ” Many business owners have a limited understanding of their own strengths and/or the strengths of others within their organization, what those skills mean and how to embrace them. This is especially telling in the hiring process, when it’s crucial to identify candidates who have the necessary skill set and whose values align with the culture of your organization. ”  Discuss what you think this means and if you agree or disagree with the statement. 
Q2
 
First, according to Collins, managers need to figure out whether there is a suitable person in the car before they know where to drive. When considering important positions within the organization, leaders should consider the necessary roles in the organization and the responsibilities associated with them, and determine whether each key position has the right employees. Second, you need to post recruitment information for the positions you need. Some popular recruitment words in 2019 include recruitment marketing, employer branding, social recruitment and recruitment automation tools, etc. These methods are to increase the applicant’s sense of experience and expand The scope of information release (Top 10 Recruiting Trends for 2019, 2015). The third is to interview applicants and select applicants. Choose good candidates related to the position you need.
Attracting employees requires publishing their own recruitment information and maintaining a good corporate image. A company with a good brand will attract some people to apply. In addition, caring about existing employees, the good reputation and welfare of existing employees, is a good marketing to attract new employees. Providing good employee benefits to promising candidates during recruitment can make this person feel that the company attaches importance to him and choose this company.
Managers can judge whether the person is placed in a suitable position and his career goals through the evaluation of the employee and the resume provided when the employee applies for the job, and regularly evaluate the employee and observe his ability to handle things. Is he suitable for the current position? To achieve his career goals by appreciating employees and raising their salary and placing employees in positions that suit him, he also needs to listen to employee feedback.
The advantages of internal recruitment:
1. The recruitment efficiency is higher, because the manager is relatively familiar with his employees and can directly contact them.
2. Less cost, internal recruitment reduces the cost of publicity and intermediary.
3. Can improve employee loyalty. Employees can use this method to achieve their career goals, increase their sense of satisfaction, and at the same time become more loyal and dedicated.
Disadvantages: 1. May cause internal conflicts. When there is internal competition, conflict is indispensable. When employees feel unconvinced, they will think it is unfair and affect the morale of the team.
2. Difficult to obtain fresh blood. A new person may have different ideas and new opinions, which are beneficial to the development of the company (Hughes, 2016).
Diversity can lead to a stronger and more diverse workplace. Companies with a reputation for prioritizing diversified recruitment may attract more talented candidates. They may also enjoy higher customer loyalty among the target audience of business practices that value social responsibility. Similarly, companies that are known for hiring a variety of workers can gain a deeper understanding of the needs and challenges faced by their various customer groups (Diversity Recruiting Strategies that Strengthen Your Workforce 2020).
Q3
 
 First of all, the company should establish a clear and clear recruitment process, the content of which should include the recruitment link, method, content, and basic recruitment personnel number and other information. At the same time, the recruitment process should be set up in accordance with the degree of importance of the priority of the post. For larger organizations, recruiting processes can become more complex. When it comes to getting a large number of positions filled in a timely manner, it makes sense to have a concerted and centralized recruiting effort. (Colberg, 2020) Secondly, the interview methods and questions should be designed according to the recruiter’s skills and job content. When it comes to skilled positions, the emphasis is on selecting innovative, unique, and top talent from a pool of applicants. As far as possible in the hiring process to allow candidates to show their greatest strengths and weaknesses. Thirdly, Internal recruitment is a priority. It is the most convenient and economical way to start the recruitment process from within the company. This not only saves the onboarding process but also builds loyalty to the organization. (The checkster, 2020)
Positive, open, and respectful strategic development philosophy and corporate culture can attract and retain excellent employees. This is reflected not only in the company’s tolerance of employees’ individual cultural concepts but also in the flexibility of working style and time. In a recent Center for American Progress survey, 75 percent of adult respondents said they’d like their workplaces to offer more schedule flexibility, such as “flex time” contracts, which would allow employees to work from the comfort of their home for half the workweek. (Parker, 2019)
Before hiring, the company should make clear the skills, personality, and culture of the talents needed for the position. In the recruitment process, the data analysis techniques can be used to thoroughly analyze whether the applicant meets the needs of the company. Secondly, in the process of work, effective communication between the company and employees can understand the information of employees’ work goals and satisfaction, and help the company to train and adjust the career development direction of employees, so as to achieve the purpose of improving work efficiency. This interaction should include regular one-on-one meetings with team members so that you can align with their career aspirations and expectations. This kind of manager’s support can help your employees feel valued — and lead to greater productivity and loyalty. (Half, 2020)
The advantage of internal recruitment is that companies can recruit excellent talents more efficiently and with less risk. Internal recruitment gives employees more room for self-development, training, and promotion, which helps the company to build auxiliary brands and improve employee engagement. The disadvantage is that it is not good for the company to absorb new talents and ideas. Long-term development will lead to a lack of competitiveness and the company culture tends to stay the same.
Businesses have started to recognize diversity in the workplace as a business strategy that maximizes productivity, creativity and loyalty of employees while meeting the needs of their clients or customers. If a company is only as good as its employees, then it stands to reason that a great deal of energy should be devoted to hiring the most talented individuals. By branching out to a diverse workforce, employers have access to a greater pool of candidates thereby improving the odds of hiring the best person. Employees with different perspectives can help companies look at the market as a whole, identify unmet needs, and identify new opportunities. As the value of diversity continues to grow in business and elsewhere, recruiting and retaining a diverse workforce becomes even more important to the continued success of organizations. (Jensen, 2020)
Q4
 
The Financial System and Interest Time Value of Money
                              The financial system of an economy provides the way to collect money from the people. It’s could be a system that allows the exchange of funds between lenders, investors, and borrowers. Money system is operate at national and world levels. Includes banks,  financial Markets, Financial Instruments and financial services. Financial systems allow funds to be allotted, invested or moved between economic sectors.
                            Every men should hard work for an future purpose only. They plan to invest for shares or other financial instruments.  Reasons for  to some more earnings ,to invest the money and get an profit like interest from investment money. It’s also a profit of income. periodical investment should obtain get an more money like mortgage loan for an home buyer. Mortgage loan are usually entered into by Home buyers without enough cash on hand to purchase the home. They are also used to borrow cash from a bank for other projects using their house as collateral.
                    The mortgage loans are homebuyers should assess what is best for their own situation before entering into one. This loan characteristics by their term dates usually 5 to 30 years, Some institutions now offer loans up to 50 years terms, interest rates these may be fixed or variable and the amount of payments per period. If are ready to buy a home, use the mortgage calculator to see  What the amount of Monthly principle and interest payment will be. Mortgages are like any other financial product in that their supply and demand will dependent on the Market. For reason, sometimes banks can offer very low interest rates and sometimes they can only offer high rates
Q5
 
According to Lasher (2013), most houses are purchased with mortgage loans that are secured by the house themselves. In order to obtain a mortgage loan, a buyer has to have good credit, a good source of income, and sometimes a down payment is helpful as well. in addition, to obtaining a home mortgage there is also something called amortization that is extremely important to someone hoping to purchase a home. Amortization refers to how loan payments are applied to certain types of loans (Catalano, 2020). Similar to a car payment or even a credit card payment, amortization refers to a monthly payment that is made on the mortgage, along with the interest costs and other expenses. The amortization table lays out what your fix payment is per month while also showing what your paying in interest and principle. Although in total it will appear that a person who is paying their mortgage is making payments monthly to essentially pay it all, it is important to know what percentage is the mortgage, the principle, and the interest. Calculated in that amount could also be property taxes and an array of other taxes that you should be aware of.
Essentially amortization helps save the home buyer or owner more money over time by breaking down the interest payments into smaller amounts over the years. Therefore it makes more sense for a homeowner to take the time of having a 30-year mortgage than a shorter span because the bank or lender would make more money off the principle. This essentially reduces debt and helps to fix the payment of interest. Although, I have never purchased a home, I am a homeowner by default of inheritance and to be able to look through the past mortgage payments and now understand how property taxes are adjusted and what effects the amounts I feel like understanding amortization has helped tremendously. Any homeowner should understand what all their mortgage covers, as far as taxes, interest, whether their property taxes are included, and over how each component weights differently. You don’t want to rush into buying what you think is your dream home, and end up paying more for the home than you should have because you were worried about the burden of mortgage payments and the lengthiness of it all.  Proper education is key and understanding where all your money is going is even more important. What is important is to get your moneys worth!
Q6
 
A home mortgage is often the largest single financial transaction in an average person’s life (Lasher, 2017). These mortgage loans are typically categorized as an amortized loan, which is amused that the loan will be paid off gradually over it’s loan term. Then there are loan amortization schedules, this schedule lists out every payment and shows how much of it goes to pay interest and how much reduces principal (Lasher, 2017). All schedules are customized to each client, this will be dependent on the loan amount, the payments that will be set up and the interest rates. 
The time of value of money can be understood that money presented to you now deems more valuable than receiving it later. But in reality, money overtime is much more valuable than what it is in present time. For example, if someone was to offer you $50,000.00 to take home today, many people would take it with little to no hesitation, not thinking of it’s potential value in the future. Now, if one was to take that same $50,000.00 invest it and gain interest on it over time that $50,000.00 would gradually increase earning more money and being way more valuable (Heyford, 2020). 
In terms of mortgages, the time value of money is in present value. The loan taken out for the house that cost $250,000 is worth just that. Once you agree on payment terms, you begin to pay not only what you owe monthly but interest as well and over time you will be paying more than what the house was originally sold at. This is why it is important for potential homeowners to do their research intensively, understand the interest rates on mortgages and how that will be applied. Looking at where you plan on buying your home will determine how much your house will cost you and the loan amount needed. Lastly, budgeting is equally important because you need to know whether or not you can afford the house. What is your short-term and long-term plan to pay it off, are you going to put 20% down first? Do you understand how taxes work so that when you do buy your first home that there are not any surprises or hiccups that could prevent or delay anything in the process.
Q7
 
There are two different major types of taxes: progressive tax and regressive tax. Medicare and payrolls are under a regressive tax system whereby federal tax is the best example of a progressive tax. Moreover, the corporative tax is also under the progressive tax system. The individual and estate tax are all progressive as the tax calculations are similar to the corporation tax. In the regressive tax system, lower-income households pay a higher share of income compared to higher-income households. However, it is the opposite case in the progressive system. It implies that the tax rates solely depend on income.  Hence, the burden shifts to higher-income households, and it takes the more significant percentage of income from higher-income households. In cooperate tax, the total income is the revenue, which mainly consists of dividends’ income, capital gains, and other types of capital incomes (Lasher, 2013). 
“Is the corporate tax schedule progressive?” is an important and controversy question because progressivity is a reason for having a corporate tax in the first place. In my opinion, almost all basic taxes like individual taxes, real estate taxes, etc. are progressive, and corporate tax is not an exception. Overall, the federal tax system is usually progressive with a general rule that higher-income individuals / organizations will pay a larger tax than low-income individuals / organizations. However, the progressive does not apply equally between the various taxes in the federal system even though there are some federal taxes that are regressive such as the payroll taxes for Social Security and Medicare, which means that these taxes claim a smaller share of income from higher-income than from lower-income households.
The reason for the progressive of the corporate income tax is that its burden falls on income from capital gains, dividends, and also other forms of capital income that are disproportionately received by high-income households (Ahern, 2007). If the corporate income tax deregulation proceeds, there are three possible problems. Firstly, a business that has a structure like a corporation can postpone the profit-sharing by keeping the money in the business instead of paying shareholders for years. When the money came to the shareholders, they only had to pay the income tax on the whole. If people take advantage of this, owners or high-income shareholders will find ways to create virtual corporations to develop a cover for them to delay the fulfilment of tax obligations even though they still make a profit regularly. Second, by taking advantage of some individuals that are exempt from personal income tax, businesses can optionally choose to divide their profits in the form of stock dividends to pay for practicing tax fraud. Finally, corporate income tax is paid from the company’s shareholders, and any changes to its replacement may result in a less progressive tax system.
Q8
 There are two different kinds of taxes: progressive and regressive. Sales and payroll taxes fall under the regressive category, while income and estate taxes are progressive. Progressivity is the notion that “wealthy people pay proportionately higher share of tax” and is the reason why corporate tax exists. (Harris, 2010)  However, many economists have mixed views about who actually pays corporate taxes and who gets affected by it the most. This means it is important to know if the money comes from the workers or the capital owners. Economists believe that corporate tax is regressive if it lowers wages but progressive if it leads to lower returns to capital. (Harris, 2010) According to many other economists, when it comes about progressivity both these factors do not matter. This is because in their opinion, wealthy households often have both high wages and tend to own more capital, hence it affects the wealthy individuals more. To summarize, corporate tax in popular view is progressive and whether it falls on labor or capital, it affects wealthier households more (although the degree of progressivity may vary). However, major issues with corporate tax arise in terms of compliance and efficiency. This is because there is an inefficient mix of “high tax rate, diluted base and several tax provisions.” (Harris, 2010) Progressivity in personal income tax and progressivity in corporate taxes are extremely different. This is because for personal income tax all tax burden falls on the individual person. However, for corporate tax, the burden is seen to fall on three groups of people: customers, investors and employees. (Ahern, 2007)