money nowadays essay

Essays About Money: Top 5 Examples and 6 Prompts

With money comes great power; however, power must always come with responsibility. Discover thought-provoking essays about money in our guide.

Money is everywhere. We use it to eat, drink, clothe ourselves, and get shelter, among many other uses. Nowadays, it is an undisputed fact that “money makes the world go round.” The earliest known form of money dates back to around 5,000 years ago ; trade was previously carried out using a barter system. However, over the centuries, more and more nations began implementing a currency system, and money has become more critical.

In the contemporary world, it seems to be “all about money.” However, it is important not to lose sight of what is important; we must maintain good physical and mental health and healthy relationships with the people around us. Money is necessary; it is just not the only thing necessary. To start your essay, read these examples to write insightful essays about money.

5 Top Examples On Essay About Money

1. essay on money by prasanna, 2. how money changed human history by jacob wilkins, 3. capitalism: money that make money by ernestine montgomery, 4. is money the most important thing by seth higgins.

5. An Introduction to Saving Money by Jeremy Vohwinkle

Writing Prompts For Essays About Money

1. good uses for money, 2. the “dark side” of money, 3. money’s role in history, 4. morality vs. money, 5. can money buy happiness, 6. how to save money.

“Imagine the world without money. We will eventually come to a point where we will be asking questions like “what’s the point of life”. Hope and goals are some of the important things that will keep a man going in life. Without any sense of achievement or motivation, there wouldn’t be any inventions or progress in the world. People work to get money and then people work harder to get more money. This cycle of life that keeps a man motivated and hopeful is one of the biggest advantages of the system of money”

This essay gives readers a general outlook on money and its advantages and disadvantages. It gives people equal opportunity to work for their dreams and motivates them to be productive members of society, while it also raises the question of greed. Money, without a doubt, has its positive and negative aspects, but it exists and is only becoming more critical.

“But the barter economy was flawed. There was no universal measure for determining the value of an item. It was all based on the subjective opinion of the individuals involved. And to make matters worse, the barter economy relied on both sides wanting something the other had to offer. Trade, therefore, could be sluggish and frustrating. Human beings needed something different, and money was the answer.”

Wilkins writes about how money revolutionized the way trade was conducted. The barter system involved trading any objects if both parties agreed to a deal, such as trading animal skins for fish or medicine for timber. However, the only measure of an item’s value was how much one party wanted it- both sides needed to have something the other wanted. The introduction of money allowed people to put a solid value on commodities, making trade easier.

“So, if you were to closely observe the dirty, disordered canvas of economic progress during the 20th and 21 st century, you should conclude that, for all its warts, capitalism has been the winner. It has sometimes caused pain; suffered from serious cycles; and often needed the clout of the state- such as we have seen from September 2008. It has also been quite resistant to sensible regulation. Even so, the basic institutions of capitalism have worked, not just in the US and the OECD (Organization for Economic Co-operation and development) nations, but also many developing countries, of which India is one.”

Albeit lengthy, Montgomery’s essay discusses the debate between socialism and capitalism, a topic of which money is at the core. Montgomery describes Karl Marx’s criticism of capitalism: all the money goes to a few people, not the workers. She believes these are valid to an extent and criticizes certain forms of capitalism and socialism. Neither capitalism nor socialism is perfect, but according to Montgomery, capitalism creates a better economy.

“Being the richest man in the world does not mean you are the happiest man in the world, although money can buy you happiness sometimes, but not always. If we could all appreciate the way life is, the fun, and the beauty I think the world would be better. If people weren’t power hungry maybe we’d have a lesser demand for money. Those people who is money hungry and power hungry need to relax. Money can’t buy you happiness. These individuals need to understand that.”

Higgins implores readers to remember that money is not the only thing people need in the world. He stresses the necessity of money, as it is used to pay for various necessary goods and services; however, he believes it is not a prerequisite for happiness. Material things are temporary, and there are other things we should focus on, like family and friends.

5. An Introduction to Saving Money by Jeremy Vohwinkle

“A financial emergency may take the form of a job loss, significant medical or dental expense, unexpected home or auto repairs, a hurricane or major storm, or something unthinkable, such as a global pandemic. The last thing you want to do is to rely on credit cards with their hefty interest fees or to be forced to take out a loan. That’s where your emergency fund can come in handy. Historically, the formula for an emergency account is to have enough readily available cash to cover three to six months of living expenses.“

Vohwinkle’s essay gives readers some suggestions on how to save more money. Most importantly, he suggests setting up an emergency fund, as all other saving techniques stem from there. He also suggests creating an automatic savings plan and cutting down on “spending leaks,” like buying coffee. You might also be interested in these essays about celebration .

In this essay, write about why money is necessary and the ways to use it for the greater good, and include ways in which it can be used (investing, donating, etc.). For each point, you make, be sure to explain why. Of course, this is entirely subjective; feel free to write about what you consider “good uses” for money.

On the other hand, money also has a negative side —research on money-related issues, such as taxpayer-funded corruption and trading of illegal goods. In your essay, explore this side of money and perhaps give solutions on how to stop these problems.

Money has played a progressively more important role throughout human history. Discuss the development of currency and the economy, from the barter system to the digital world we live in today. You need not go too in-depth, as there is a lot of ground to cover and many eras to research. Be sure to cite reputable sources when discussing history.

Many people warn of “selling your soul” for financial gain. In your essay, you can write about the importance of having solid values in this day and age, where money reigns supreme. What principles do you need to keep in mind? Explain how you can still value money while staying grounded; mention the balance between material needs and others.

As stated in Higgins’ essay, more people have begun to prioritize money over all else. Do you believe that money is truly the most important thing? Can it alone make you happy? Discuss both sides of this question and choose your position accordingly. Be sure to provide precise supporting details for a stronger argument.

Enumerate tips on how you can save money. Anything works, from saving certain things for special occasions to buying more food in the grocery rather than eating out. This is your opinion; however, feel free to consult online sources and the people around you for extra advice.

For help with your essays, check out our round-up of the best essay checkers .If you’re still stuck, check out our general resource of essay writing topics .

Martin is an avid writer specializing in editing and proofreading. He also enjoys literary analysis and writing about food and travel.

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What is the future of money?

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Everything has its own time. Everything sprouts, grows, withers, and disappears. This is the cycle of life – and the same process also applies to money and the way you obtain it.

Our perception of money – how it is earned and its value – is undergoing a major change.

You open your wallet and see a dime. The coin is physical, you can pick it up and hold it in your hand, and you are confident that it actually has a value of 10 cents. In a few years, you will most likely be holding a small plastic item shaped as a heart or a star, or you might not even have a wallet and only have access to a virtual currency, which you do not know what looks like. You have to be prepared for a financial revolution in the next 10 to 15 years.

Money as we know it has only existed for a relatively few years – the first banknote was printed in France in the 17th Century. More, recently, however, currencies have started to disappear; more than 600 in the last 30 years, and the trend continues.

What has replaced them?

Several leading experts point out that the current monetary system is bound to undergo significant changes in the years to come because it is compromised by issues such as inflation, the illicit economy and counterfeiting, to name a few. At the Shambala Festival , held in England in August, Jem Bendell offered courses on how to create your own currency.

This situation offers up innovative ways to structure an economic system. The current monetary system might actually be a hindrance to people, countries, and governments to work together more optimally than they do today. The monetary system of the future does not depend upon politicians or bankers but will be managed by communities and lending platforms, such as capitalaid.com and lendingclub.com .

Money changes societies, and societies change money. This is how it has always been and will continue to be. When money was “born,” the population of our planet was around 2 million. Today, there are over seven billion of us. The system is under pressure because of an increased demand for money. A massive demand for financing is created because of the current growth, and this growth has created a historical level of economic debt in the world, which in turn causes the increase of inequality.

Money is printed by banks, and “economy” is created when the banks lend money, including loans to governments and countries. However, the “system” simply does not contain enough money to pay off all the debts in the world today.

The monetary system is at the core of the economic system that we know today. Almost all transactions are based on an exchange of money. It is actually in many cases illegal for two parties to trade services (for example, moonlighting). Money is only valuable as long as the value is guaranteed, and as long as we believe that it is valuable and accept it as a payment method and a reward for goods and services. However, nowadays, the trust in money and its value is under pressure. Trust in this system is being eroded. At the forefront of this movement is the world’s young people and the many small entrepreneurs who cannot obtain access to financing.

In the last 10 years, we have seen how relatively easy it is to defraud, cheat, and lose money in the current financial system. The banks print money out of thin air and profit from doing so. Today, we are closer than ever to a financial revolution in which money will disappear and be replaced by something else. Physical banknotes will be substituted by local social currencies, points that you earn by doing social work, services, or companies’ own currencies based on customer loyalty, among others.

Money goes mobile

The use of credit cards has dramatically increased in recent years. VISA and MasterCard have a share of more than 80% of the global credit card market, and this situation can be viewed as a regular oligopoly (feel free to disagree). However, a new and more comprehensive system is rapidly developing: mobile payment solutions. New technologies are providing new ways to make payments and transfer money via mobile phones, apps, Bluetooth solutions, and so on.

We do not yet fully understand the consequences of a society without money. Even today security is merely a footnote in the recommendations of the European Central Bank. Payment networks, such as SWIFT, PayPal, and Western Union, among others, can close people’s accounts in no time if there is a political disagreement with a Russian, Iranian, or just a politically active account holder. You may call it national security; however, you may also call it financial terror.

What will happen when we will experience massive IT breakdowns that are expected to occur in the future? Future wars will not be fought by troops on land but rather by people sitting behind computer screens. Earlier, banks have not shown the capability of taking timely precautions, and IT companies still lack the evidence to prove that they respect privacy and are capable of protecting sensitive data. Thus, we are facing a completely new and challenging ethical and security-related problem with e-money and virtual payment methods.

The young generations have quickly adopted to the new payment methods, and many of them do not know the feeling of holding a real banknote in their hands. In a way, money is becoming “imaginary,” forming a basis for disloyalty, in particular, among Generation Z (15 to 25 years). Based on estimations, the global “mobile pay” market will surpass $500 billion in 2016. In other words, it is a huge market. This market is still based on money, but money spent by using mobile phones. Because people are not holding the money in their hands, loyalty is likely to decline.

Israel and their many currencies

Israel is known for being a trend-setting nation as far as innovation and IT is concerned. There, entrepreneurs are working on the development of the currency of the future because Israel is a good place to test such new initiatives. The American company Robocoin has set up their Bitcoin ATM, which makes it possible for people to exchange their virtual currency to cash. Israel is currently the world’s most active Bitcoin market and the home to hundreds of new start-up companies that focus on the development of technologies related to virtual money.

One of Israel’s leading economists, Galia Benartzi, who is famous for her “heart money,” believes that the global economic system is deeply unfair and unsustainable. She states that believing that money has a value is an illusion. Therefore, she, together with millions of others, is trying to do something about this. In Israel, there are now no less than 87 passable alternative “currencies” that you can use to buy real estate, books, clothes, food, and so on. These currencies are in direct competition with the country’s official currency, the Israeli shekel.

You encounter names such as Isracoin, Heart Money, and Ripplepay, which do not just boast ethical leadership but also regulations, making them passable as global currencies, credit and lending systems, as well as savings methods. O-share is a good example of a social network where money is created and used in a completely new way. This development stems from lack of trust in banks, because the young people feel that they pay too-high interest rates and because the real-estate market and start-up companies, particularly in Tel Aviv, are under pressure because of lack of financing options for the young people.

The young people simply want more fairness in the financial world. We might think that this ideal is a bit naïve, but many thinkers and researchers argue that this trend will lead to the disintegration of our traditional perception of money. The accrual of social capital is based on services (for example, you take the neighbor’s dog for a walk), and if you need money, you are allowed to print them. However, inflation is avoided because the “ownership” of the money is transparent, and the amount of money people have printed is also transparent.

Young people demand transparency

In Denmark, money is handled by the National Bank and the central banking system. The central banks decide who can borrow money and how much interest they have to pay, and through speculation and manipulation of money quantities and interest rates, they control economic upturns (and downturns). This system does not offer sufficient transparency to satisfy what the young people are looking for.

The system in these new social monetary societies works as follows: participants will be contacted by the society if they save too much and thereby block the flow of the currency. The participants then agree to keep the money flowing so that they can work for the society instead of the money ending up passively in their pocket.

These types of currencies exist all over the world. In Kenya, for instance, microentrepreneurs created a new currency called Banglapesa. These new currencies start out as a kind of money used by people in a group who share commonalities and mutual trust and are not limited by their country’s economic politics and mismanagement. These types of currencies have a significant positive influence in developing countries in particular.

The indication is that traditional banknotes, currencies and transactions will one day disappear. It is merely a matter of time, because it is not supported by the younger generations. Currencies and physical money will die out together with their current fan base.

Author: Soulaima Gourani, Public Speaker, Author, Board Member and Adviser, Tradeconductor.com, Denmark, Young Global Leader

Image: Some of Bitcoin enthusiast Mike Caldwell’s coins and paper vouchers, often called “paper wallets”, are pictured at his office in this photo illustration in Sandy, Utah, January 31, 2014. REUTERS/Jim Urquhart

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Essay on Money for Students and Children

500+ words essay on money.

Money is an essential need to survive in the world. In today’s world, almost everything is possible with money. Moreover, you can fulfill any of your dreams by spending money. As a result, people work hard to earn it. Our parents work hard to fulfill our dreams .

Furthermore various businessmen , entrepreneurs have startup businesses to earn profits. They have made use of their skills and intelligence in getting an upper hand in earning. Also, the employee sector works day and night to complete their tasks given to them. But still, there are many people who take shortcuts to success and get involved in corruption.

Black Money

Black money is the money that people earn with corruption . For your information corruption involves the misuse of the power of high posts. For instance, it involves taking bribes, extra money for free services, etc. Corruption is the main cause of the lack of proper growth of the country .

Moreover, money that people having authority earns misusing their powers is black money. Furthermore, these earnings do not have proper documentation. As a result, the people who earn this do not pay income tax . Which is a great offense and the person who does this can be behind bars.

Money Laundering

In simple terms, money laundering is converting black money into white money. Also, this is another illegal offense. Furthermore, money laundering also encourages various crimes. Because it is the only way criminal can use their money from illegal sources. Money laundering is a crime, and the people who practice it are liable to go to jail.

Therefore the Government is taking various preventive measures to abolish money laundering. The government is linking bank accounts to AADHAR Card. To get all the transaction detail of each bank account. As a result, the government comes to know if any transaction is from an illegal source .

Also, every bank account has its own KYC (Know your Customer) this separates different categories of income of people. Businessmen are in the high-risk category. Then comes the people who are on a high post they are in the medium-risk category. Further, the last category is of the Employee sector they are at the lowest risk.

Get the huge list of more than 500 Essay Topics and Ideas

White Money

White money is the money that people earn through legal sources. Moreover, it is the money on which the people have already paid the tax. The employee sector of any company always has white money income.

Because the tax is already levied on their income. Therefore the safest way to earn money is in the employment sector. But your income will be limited here. As a result, many people take a different path and choose entrepreneurship. This helps them in starting their own company and make profitable incomes .

Every person in this world works hard to earn money. People try different methods and set of skills to increase their incomes. But it is always not about earning money, it’s about saving and spending it. People should spend money wisely. Moreover, things should always be bought by judging their worth. Because money is not precious but the efforts you make for it are.

Q1. What is Black Money?

A1. Black money is the money that people earn through illegal ways. It is strictly prohibited in our country. And the people who have it can go to jail.

Q2. What is the difference between Black money and White money?

A2. The difference between black money and white money is, Black money comes from illegal earnings. But white money comes from legal sources with taxation levied on it.

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138 Research Topics on Money - Essay Topics, & More

Welcome to our list of money essay topics! Here, we’ve collected the most interesting research topics about money, titles for essays, presentation ideas, and even samples. Use them to get inspired!

🏆 Best Essay Topics on Money

✍️ money essay topics for college, 👍 good money research topics & essay examples, 🎓 most interesting research topics about money.

💡 Simple Money Topics to Write About

❓ Research Questions About Money

Can Money Always Buy Everything You Want?
The Philosophy of Money by Georg Simmel
Comparison Between Love and Money in Life
Why Men Spend More Money Than Women?
How to Teach Children to Value Money
Time Value of Money in a Medical Organization
History and Role of the Money
Aspects of Money Management The paper states that money management is a critical skill, which will help improve the financial well-being and reduce the stress associated with money.
Metaphysical Secrets of Manifesting Money Abundance Money is one of the most important influencing factors in modern life. Some scholars single it out as one of the three most distorting forces of human existence.
Financial Planning. Money Management Skill Financial literacy can be defined as knowledge about financial planning and management that allows making reasonable choices about money spending and saving.
Tradesmart Inc.: The Money-Back Guarantee Tradesmart Inc. is a fairly broad marketplace, which, in addition to low prices, also provides customers with a unique policy of returning money for the goods.
Money Issues in Romantic and Marital Relationships Money often causes issues in relationships because of changing roles in the household, increasing expenses, financial infidelity, and lack of financial goals.
Stealing Money From Corporations Stealing money from corporations affects the financial sector of the business and economy and reflects the ethical issues of the act.
Money Issues in a Relationship In the contemporary world, both men and women contribute equally to the economy of the household. This has changed the household role of men from being the sole breadwinners.
Bitcoin: The Use of the Digital Money The paper has elaborated Bitcoin is used, its features, and its impacts on society. The digital currency has features similar to other currencies, such as durability.
Monetary Theory and Policy. Money in the Utility Function Money is an asset, making positive or negative or some other functional effect. Goods, demands, propositions are constantly dependent on the money supply.
Art’ and Money Relations While the cultural value of many artworks exceeds material dimensions, it is hard to imagine how the masterpieces would be preserved without being involved in commodity-money relations.
Money: History, Functions and Types Money is any commodity or token that serves as a medium of exchange that is legally and socially acknowledged in payment for services and goods and in the disbursement of debts.
Lloyd’s Tsb Bank Is Under Fire for Money Laundering Offense This research article discusses the role of the bank, either knowingly or unknowingly, in laundering the money obtained by cheating.
Money to Charity: Moral Differences Many families across the globe continue living below the poverty line and cannot meet their basic needs like food, health, or even sleep.
Is Money a Virtue or Evil: Discussion The study will have to document how money has been used in good ways through spreading the gospel and how it has been used in evil ways for personal or selfish purposes.
Governmental Organizations: Value for Money Audits and Performance Audits Value for Money audit and performance audit have different objectives and complement each other, but neither is sufficient on its own to audit an organization’s performance.
Analysis of Anti-Money Laundering Strategies Money-laundering has been a significant problem for Canada because such a practice enables and facilitates many criminal activities such as drug trade, fraud or even global terrorism.
Foundations and Applications of the Time Value of Money This paper intends to discuss the concept of time value of money. The goal is to show that current cash flow is valued highly compared with future cash flows.
Money and Expenditures: Personal Opinion This article is the author’s account of her relationship with money, financial commitment, and spending planning.
Illegal Immigrants – They Are Money The paper looks at the issue of “illegal immigrants” to the US from the perspective of their value to businesses as cheap labor and as a market for their goods like credit cards.
Time Value of Money and Interest Rate Risk Time value of money (TVM) is a financial concept, which implies that money available to an individual or a company at the present time is much more valuable.
Forecasting and Time Value of Money Time value of money is a valuable instrument that helps comprehend the value of a currency in relation to a given period and significantly impact investing decision.
Money and Relationship in King Lear by Shakespeare King Lear, one of Shakespeare’s most well-known tragedies, is a nihilistic story of destruction, money, and power conflicts that was originally performed in 1606.
Personal Finance: Turning Money Into Wealth There are many different bond kinds, and each has benefits and drawbacks for the parties involved. Municipal and corporate bonds will be reviewed in this session.
Divine Currency: The Theological Power of Money in the West Money in Christianity is a dangerous matter, which requires careful and proper management to stay on the path of Christ.
Politics, Money, and Free Expression In 2011, the Supreme Court “decided that corporations and unions could contribute an unlimited amount of money to political campaigns.”
Aspects of Functions of Money Money is one of the vital tools in society. The paper looks at the feasibility of money-stably completing these functions in the near future.
Inflation and Increase in Money Supply Even though the increase in the money supply might stimulate the economy, it is a dangerous strategy, and the Federal Reserve has to act with caution.
The Federal Reserve System and the Money Supply The Federal Reserve (FR) has three main tools to control the money supply in the economy: the discount rate, open market operations, and reserve requirements.
Social Work Assignment: Gender, Money, and the Charity Organization Society Throughout the history of its development, the sphere of social work has witnessed the work of various contributors dedicated to achieving social equality.
Money, Happiness, and Materialism Correlation The paper concludes that happiness doesn’t depend on material goods, and it should be understood that respect and empathy are superior to any material wealth.
Daily Budget Cutting: Methods of Saving Money Nowadays, there are many more possibilities to spend additional money than in the past. Consequently, people should be more attentive to their budget and spending structure.
Financial Management: Where Does the Money Go It is increasingly possible to hear about the importance of financial literacy in the modern world, which largely boils down to thoughtful money management.
How Money Laundering Practices Violate Financial Ethics Corruption is one of the biggest problems a government can face, and in this blog, the author aims to explain how money laundering practices violate financial ethics.
Money as a Means Rather Than a Result of Achieving Happiness The paper states that one can note that money is a tool that allows buying things that make a person happy, but money itself does not bring happiness.
Money Laundering, Corruption and Terrorism Issues Money laundering, corruption and terrorism are rife in East and Southern Africa is largely attributed to the abject poverty that at times seems to be endemic.
Firms Raising Money Through Debt vs. Equity Debts as a source of operating funds can be from within or outside the company specifically individual borrowings or banks.
Eastern and Southern Africa Anti-Money Laundering Group Money laundering, corruption and terrorism are rife in East and Southern Africa. This phenomenon is attributed to the abject poverty that seems to be endemic in this region.
This American Life: Toxie Asset by Planet Money When recounting the story of Toxie, the reporters explain how “she” came to be, and how her life began at the peak of the housing market, progressed through the years.
Montley Fool Money Guide: A Book’s Review It is an educative book that gives an insight into saving, spending, and investing. The author tries to bring out the foolish things people do with their money.
Money Supply in the United States This essay discusses the money supply, what constitutes it, and the current supply in the US. It will also examine how the COVID-19 pandemic affected the M2 supply in the country.
Finance, Currency Alternatives, and Money in the Bible The currency used in all countries nowadays is an example of fiat money, meaning that it lacks intrinsic value.
”Money Supply” Article by Enam Ahmed Analysis In this article, Enam Ahmed explains why central banks should use the Divisia approach to measure the effectiveness of monetary policies.
York College Medical Center Managing Grant Money Despite numerous positive effects that financial recognition of the employees could bring to the general state of the center, free healthcare services are of higher priority.
Men, Women & Money – How the Sexes Differ with Their Finances’ Article Review? Amy Livingston’s article Men, Women & Money – How the Sexes Differ with Their Finances provides comparative gender-related research.
Can Money Buy Happiness? This article analyzes Sandy LaMotto’s research that money brings happiness and that selfish spending is associated with a good mood.
What Does Money Have to Do With It? The policy-oriented toward providing judges with the information on the costs of sentencing types can be discussed as rather controversial.
The Money Factor in Drug and Alcohol Treatment A vast number of individuals fail to take up drug treatment because they are unable to raise the money that is required to enroll in such a program.
Exchange Rate and Price: U.S. and Chinese Money The exchange rate quotation is derived by stating the number of units of term currency that can be bought in terms of the unit currency, which is also known as the base currency.
Entrepreneurship. Money in the Resource Equation Money is the least important part of the resource equation because starting a new business requires an entrepreneur’s ability to take risks.
Macroeconomics: Monetary Policy in the United States There are various monetary policy tools which can be used by the fed in order to achieve its desired policy objectives.
“Illegal Immigrants: They’re Money” by Rodrigez The focal point of the paper is to present a critical evaluation of Gregory Rodrigez’s article Illegal Immigrants: They’re Money.
“Money, Greed, and God: Why Capitalism Is the Solution and Not a Problem” by Jay Richards In his book “Money, Greed, and God,” Jay Richards, an American analytical philosopher, seeks to address the most common myths about capitalism.
“Rivers of Blood and Money” Article by Burden The article “Rivers of Blood and Money” by Burden takes a different approach when analyzing the issue of anti-Semitism and events before and during the Holocaust.
Money and Happiness in Economic Theories The pursuit of additional wealth and income usually becomes addictive thereby reducing an individual’s time with their family members and friends and limiting their social life.
Money and Politics in Healthcare Reform Having initiated the healthcare reform, President Obama met stiff opposition to the insurance and pharmaceutics lobby. It would be disadvantageous and made them lose revenue.
How Can American Cities Raise More Money? One of the main ways through which urban governments in the United States can avert revenue problems is through prudent reduction of services that they currently offer.
“Where Does the Money Go?” by Scott Bittle and Jean Johnson In their book Where Does the Money Go?, Scott Bittle and Jean Johnson focus on the growing national debt of the United States and examine inefficiencies that led to the crisis.
World Money: From the Eurodollar to the Sinodollar
Treasury Operations, Bank Credit, and the Money Market
Working From Home Can Earn You Money
The Money Demand Function for the Euro Area: Some Empirical Evidence
Trade Credit and the Money Market
U.S. Domestic Money, Inflation and Output
The U.S. Money Market and the Term Auction Facility in the Financial Crisis of 2007–2009
Varying the Money Supply of Commercial Banks
The Uses of the Money in the Six Century B.C
Tight Money Policies and Inflation Revisited
Working Through the Distribution: Money in the Short and Long Run
Utilizing the Time Value of Money
Women Are Working and Spending Money Same as Men
Wall Street: Money Never Sleeps
Velocity and Money Growth Variability: Evidence From Japan
The Swiss Sovereign Money Initiative
Velocity and the Variability of Anticipated and Unanticipated Money Growth in Malaysia
The Translog Utility Function and the Demand for Money in the United States
Why Money Talks and Wealth Whispers: Monetary Uncertainty and Mystique?
Triodos Bank: Conscious Money in Action
Transactions Costs, the Wage Rate, and the Demand for Money
The Obsession With Money and the New Consumer Culture of the 1920s
U.S. Banking and Money
The Relationship Between Government Deficits, Money Growth and Inflation
Understanding How Money Works

Simple Money Topics to Write About

The Rules for Saving Money by Consolidating Debt
Thinking About Monetary Policy Without Money
The Relationship Between Economic Growth and Money Laundering
Work Can Provide More Than Money
Velocity and the Growth of Money in the United States, 1970-1985
Trade, Money, and Employment in Intertemporal Optimizing Models of Growth
Unemployment, Real Wages and the Money Supply in Australia
The Money Demand and the Loss of Interest for the Euro in Romania
Wealth, Financial Liberalization, and the Demand for Money in Japan
The Relationship Between Mobile Money Technology and Financial Development
U.S. Narrow Money for the Twenty-First Century
Working for Little Money: Does Germany Need a Minimum Wage?
Where Has the Money Gone? The Case of Value Added Tax Revenue Performance in Indonesia
The Trouble With Money: A Prescription for America’s Financial Fever
Why Most PPC Advertisers Lose Money?
Unconventional Monetary Policy and Money Demand
Winning Money Online With Web Analytics
Utility Function Transformations and Money Illusion: Reply and Further Results
The Relation Between Money, Income and Prices in South Africa
York Times Victims Money Fund
Why Isn’t Money Considered Capital in Economics?
Tight Money and the Sustainability of Public Debt
Wealth and How Money Influences People’s Lives
Tight Money-Tight Credit: Coordination Failure in the Conduct of Monetary and Financial Policies
Can Money Buy Happiness and Freedom?
Does Money Equal Power in American Politics?
Does Money Improve Academic Achievement?
Does Ones Success Depend on the Amount of Money a Person Earns?
What Are Some Fundamental Strategies for Saving Money?
How Does Federal Reserve Control the Money Supply?
How Does Inflation Affect the Function of Money?
How Does Shakespeare Present the Issues of Love and Money in His Plays?
How Does the RSPCA Persuade Us to Part With Our Money?
How Money and Appearance Control the World?
How Money Changes the Way We Think and Behave?
How Money Has Become the Enemy of Our Society?
How Money Was Created and the Basic Political Ideology of Money?
How Much Money Does California Get From the Federal Government?
What Are the Anticipations and the Nonneutrality of Money?
What Is the Role of the State and the Hierarchy of Money?
What Alternative Approaches to Money and Growth Are There?
What Are the Statistical Mechanics of Money?
What Is the Influence of Money on Medical Science?
What Is the Development of a Money Attitude Scale?
Will Money Increase Subjective Well-being?
What Is the Structure and Performance of the Money Management Industry?
Why Is There a Difficulty With the Optimum Quantity of Money?
What Are the Distributions of Money in Model Markets of Economy?
What Are the Monetary Policy Implications of Digital Money?

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StudyCorgi. (2022, February 11). 138 Research Topics on Money - Essay Topics, & More. https://studycorgi.com/ideas/money-essay-topics/

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StudyCorgi . 2022. "138 Research Topics on Money - Essay Topics, & More." February 11, 2022. https://studycorgi.com/ideas/money-essay-topics/.

These essay examples and topics on Money were carefully selected by the StudyCorgi editorial team. They meet our highest standards in terms of grammar, punctuation, style, and fact accuracy. Please ensure you properly reference the materials if you’re using them to write your assignment.

This essay topic collection was updated on January 8, 2024 .

Essay on Money

Money is a significant part of human civilisation. It is difficult to think about the world without money. Everybody needs money for various purposes, starting from day-to-day transactions to savings for the future. But if we go back to history, we will find that before money came into existence, there was a barter system to facilitate transactions among individuals in society. With the development of civilisation over time, the barter system lost its ground and was replaced by money. This essay on money will provide ideas to students so they can effectively write essays on this topic. They can also check out the list of CBSE Essays to practise more essays on different topics and boost their writing skills.

500+ Words Essay on Money

Money is any object or record that is generally accepted as payment for goods and services and repayment of debts which also acts as a standard of deferred payments. The main functions of money are distinguished as: a medium of exchange, a unit of account and a store of value. The money supply of a country consists of currency (banknotes and coins) and bank money. Bank money usually forms the largest part of the money supply.

With the help of money, we can fulfil our dream. We can go on trips to various places, eat tasty food, buy a beautiful house and can buy any luxury items. Many businessmen earn a lot of money by making profits from their businesses. They provide services or make products that people need and make money from them. Now, there are many industries and startups which have set up their business and gained success. But still, there are many people who use illegal modes to earn money and become a part of corruption.

Significance of Money in Economy

Money plays an important role in shaping the economy of any country. Money can stimulate or even hamper economic progress. Money affects the income, output, employment, consumption and economic welfare of the community at large. Money through its purchasing power increases consumption and, as a store of value, increases investment, and employment and leads to economic development.

Demonetisation in India

The Prime Minister of India, Narendra Modi, announced demonetisation on 8th November 2016, where Rs 500 and Rs 1000 notes were withdrawn from circulation. It was a major event of the year 2016. The demonetisation decision was taken by the Government in consultation with the RBI. The action was taken to tackle Black Money which is available in various forms like cash, investment in property and real estate, luxury goods like jewellery or with foreign currency dealers and private financiers. The target was to curb the use of black money.

The other motto of demonetisation was to reduce corruption. With demonetisation, the cash in the hands of corrupt people becomes useless, and if the same is deposited in the banks, it loses anonymity, and the person has to pay taxes on the said amount.

The demonetisation also helped in promoting digitalisation through online transactions. A large section of the Indian economy was being run on the cash system, which does not get captured by the tax department as it does not leave any trail. So, the Government thought about promoting digitisation and formalisation of the economy through online transactions, e-wallets, and various payment instruments like Paytm, Rupay cards, the BHIM app etc. The beauty of these instruments is that the entire economic activity gets captured. It reduces tax evasion and improves tax collection.

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Home — Essay Samples — Literature — Money and Class in America — The Importance of Saving Money

The Importance of Saving Money

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Essay on Value of Money

Students are often asked to write an essay on Value of Money in their schools and colleges. And if you’re also looking for the same, we have created 100-word, 250-word, and 500-word essays on the topic.

Let’s take a look…

100 Words Essay on Value of Money

Understanding money.

Money is a medium of exchange for goods and services. It is a tool that allows us to buy what we need and want.

The Importance of Money

Money is important as it enables us to live comfortably. It provides us with food, shelter, and education.

Managing Money

Learning to manage money is crucial. It involves budgeting, saving, and investing wisely.

In conclusion, money has immense value. It’s not just about buying things, but also about securing our future.

Also check:

10 Lines on Value of Money

250 Words Essay on Value of Money

The concept of value.

Money, a medium of exchange, has transformed from barter to digital currencies. It holds a value that is universally acknowledged, enabling people to acquire goods and services. However, the value of money isn’t merely its purchasing power. It also represents opportunity, security, and freedom.

Money as a Measure of Worth

Money is often perceived as a measure of worth. The more money one has, the more value they are perceived to hold. This perspective, however, is flawed. Ascribing worth to individuals based on their wealth can lead to a distorted understanding of value, neglecting qualities like kindness, creativity, and resilience.

The Temporal Value of Money

The temporal value of money is a crucial economic concept. It suggests that money available now is worth more than the same amount in the future due to its potential earning capacity. This principle underlies the concepts of interest, investment, and risk.

Money and Freedom

Money can grant freedom, allowing individuals to make choices and decisions without constraints. However, this freedom can also lead to a paradox where the pursuit of money becomes a trap, limiting personal growth and happiness.

In sum, the value of money is a complex concept, extending beyond simple purchasing power. It’s a measure of worth, a temporal asset, and a tool for freedom. As we navigate our financial journeys, understanding these various dimensions can help us use money as a tool for fulfillment, rather than viewing it as the ultimate goal.

500 Words Essay on Value of Money

Introduction: the concept of money.

Money, a medium of exchange, is a fundamental concept in our society. It is a tool that allows us to acquire goods and services, and it is a measure of value that facilitates trade and commerce. However, the value of money is not just limited to its purchasing power. It has a broader, more profound significance that extends to individual lives, society, and the global economy.

The Personal Value of Money

On a personal level, the value of money is often equated with freedom and security. It provides the means to fulfill basic needs and pursue personal aspirations. It also offers a safety net against unforeseen circumstances. However, it’s important to understand that money is a tool, not an end in itself. The value of money lies in its use and the quality of life it can provide, rather than the accumulation of wealth for its own sake.

The Social and Economic Value of Money

Societally and economically, money serves as a common measure of value, facilitating trade and economic interactions. It is the lifeblood of the economy, enabling the flow of goods and services. Money also confers social status and power, often serving as a yardstick for success. However, this can lead to societal disparities and economic inequality, highlighting the importance of fair wealth distribution.

The Psychological Value of Money

Psychologically, money can impact our behaviors, decisions, and emotions. Studies have shown that our relationship with money can affect our mental health, stress levels, and overall happiness. The psychological value of money is subjective and varies from person to person. Some may find value in the security money provides, while others may value the opportunities it affords for experiences and personal growth.

The time value of money (TVM) is a fundamental concept in finance. It holds that a dollar today is worth more than a dollar tomorrow due to its potential earning capacity. This principle underlies many financial decisions and strategies, emphasizing the importance of prudent management and investment of money.

Conclusion: The Multifaceted Value of Money

In conclusion, the value of money is multifaceted and extends beyond its purchasing power. It holds personal, societal, economic, psychological, and temporal value. Understanding these aspects can help us navigate our financial decisions and foster a healthier relationship with money. However, it’s crucial to remember that while money is a powerful tool, it is not the sole determinant of success or happiness. It is the means to an end, not the end itself.

That’s it! I hope the essay helped you.

If you’re looking for more, here are essays on other interesting topics:

Essay on Saving Money
Essay on Pocket Money
Essay on Money Is the Root of All Evil

Apart from these, you can look at all the essays by clicking here .

Happy studying!

12 Powerful Essays on Money [ Importance, Value, Power ]-2024

Money is really an important role player in our lives. But, we need to accept, money is not everything. Though money has the power, you can enjoy and afford every material luxury of life. But that is short lived. Money can’t bring real happiness, peace, certainty, power and freedom.

List of Topics

We have written the following short and long essays on topic Money. These essays cover all related topics including; importance and power of money, is money everything, role of money in life etc.

Essay on Money | Value, Role & Importance of Money in Life

It cannot be denied that money is essential for our healthy living. In order to remain in good standings in society, we will need money to live a life and maintain our good standings.

The money is essential for providing necessary comforts and amenities of the life. When you have money, you have everything you could ever want.

In order for us to get a good personality we need money, which will also improve our self-confidence. We will become more credible, improve our capabilities, increase our confidence level, and enhance our courage to a greater extent.

With no money, no one will help us. In a world where nobody is willing to help, we feel helpless. A person cannot live and survive in today’s materialistic world without money.

Today, in order to earn more money through unfair means, bad people take assistance from corruption, bribes, smuggling, etc. People who are lazy may follow the wrong ways to earn money, assuming that these methods are easy and simple.

It is true that one can earn more money through less effort, but not for long; surely he will lose his money by following a wrong and weak path in the near future.

A person who earns money by following the rules of humanity earns less money but for a long period of time and then becomes a well known personality in the society.

People who commit corruption hide their money as black money in other countries to hide it from the general public. Their money is used for doing bad things or living in luxury.

It is generally observed that those who have more money by either means, are respected by ordinary people. As money is the factor of power in society. Those powerful people then wield social and political power in our society.

It is however an established fact that money is not the entire thing in our life. You can’t buy time with money . Neither you earn the real respect, love or affection when you have illegal money. The real joy of peace, happiness or satisfaction come through hard work, dedication, sincerity and peacefulness

Essay on Power of Money in Life

One cannot imagine a healthy and peaceful life without money. We need money even to buy a single needle. Nowadays, when everything is becoming more expensive and civilization is becoming increasingly advanced and following western culture, we need more money.

In the past, people relied on the barter system in which they would be able to exchange things for goods, but in the modern world, money is all that is necessary to purchase everything. Money is becoming more and more important as the cost of living increases.

A great deal of importance has been attached to money in the production, consumption, exchange, distribution, public finance, etc. As a result, it plays an important role in determining raw material input, income, employment, output, and general price levels of anything, etc.

Essay on Money is Everything

In a highly competitive and expensive society, no one can live without money. Food, clothing, and many other necessities of life are nearly impossible to buy without money.

A poor person in a society is viewed as an enemy due to their poverty. However, rich and powerful people are perceived as decent and honest people.

Money can increase a person’s status in the society and make him look good. To fulfill the ever-increasing demands of the modern age, we all strive to be wealthy through a good job or business. The reality is that very few people get this chance of becoming millionaires.

As a result, everything is dependent upon money, be it rich or poor, urban or rural. Money is essential to everyone, whether he or she is living in the city or in the country. In cities, people are earning a higher salary than those in rural or backward areas. This is because the people of urban areas have more access to the technologies and get more opportunities because they have access to the easy resources

Essay on Money is the Root of all Evils:

Money has been a part of human society since its inception. It has evolved from being used as a medium of exchange to becoming a symbol of power and success. People have always desired to accumulate wealth, and in today’s materialistic world, money has become the ultimate goal for many.

However, with this desire for wealth, comes numerous negative consequences that are often overlooked. In this essay, we will discuss how money can be considered as the root of all evils.

The Obsession with Money

In the pursuit of materialistic possessions, people often become obsessed with money. Money becomes their sole purpose in life, and they are willing to do whatever it takes to acquire it. This obsession can lead individuals down a path of greed, where they only care about their own financial gain without considering the consequences of their actions. As a result, many unethical and immoral activities such as fraud, theft, and corruption occur due to this unhealthy obsession with money.

Creates Disparity and Inequality

Another major issue caused by the love for money is the creation of disparity and inequality within society. People with more wealth tend to have better access to education, healthcare, and opportunities that can lead to a better quality of life. This creates an uneven playing field where those who are already financially stable have an advantage over others.

As a result, poverty rates increase, leading to social unrest and crime in society. Moreover, the gap between the rich and poor continues to widen as the wealthy become wealthier while the poor struggle to make ends meet.

Causes Conflict and Strife

Money can also be considered as the root of many conflicts and strife within society. As people become more obsessed with money, they are willing to go to extreme lengths to protect their wealth. This can lead to disputes and disagreements among individuals, communities, and even nations. Wars have been fought over resources and power, which ultimately stems from the desire for money.

On a smaller scale, family relationships can also be affected when one member becomes financially successful while others struggle. This creates tension and resentment within the family unit, leading to conflict and strain in relationships.

It Leads to Materialism and Consumerism

The pursuit of money also leads to a culture of materialism and consumerism. People often equate their self-worth and happiness with the possessions they own. This constant need for more, bigger, and better things can lead to excessive spending, debt, and financial strain.

Furthermore, the never-ending cycle of consumption has negative consequences on the environment as resources are depleted at an alarming rate. This consumeristic mindset also perpetuates a throwaway culture where items are discarded instead of being repaired or reused, leading to environmental pollution and waste.

In conclusion, while money may be necessary for survival and provides a sense of security, it can also be considered as the root of all evils in society. The unhealthy obsession with money leads to numerous negative consequences such as greed, inequality, conflict, and environmental degradation. It is essential to recognize the dangers of this love for wealth and strive towards a more balanced and equitable distribution of resources in society.

As the saying goes, “money cannot buy happiness,” and it is crucial to prioritize values such as compassion, empathy, and kindness over material possessions. So let us not forget that money is just a means to an end and not an end in itself. The true wealth lies in human relationships and making a positive impact on society, not in the accumulation of material possessions.

Essay on Money Management:

In today’s fast-paced world, money management is an essential skill that everyone should possess. It is the process of managing one’s finances wisely to achieve financial stability and security. Proper money management involves budgeting, saving, investing and controlling spending habits. In this essay, we will discuss the importance of money management and some tips for effective management.

One of the main reasons why money management is crucial is because it helps individuals to reach their financial goals. Whether it is buying a new house, funding education or planning for retirement, good money management can help achieve these goals. Proper budgeting allows individuals to allocate their income towards different expenses wisely. It also helps in identifying areas where one can cut down on unnecessary spending and save more money. By saving money, individuals can have a financial safety net for any unexpected expenses or emergencies.

In addition to achieving financial goals, effective money management also leads to a stress-free life. People who manage their money well are less likely to face financial difficulties and are better equipped to handle financial crises. They also have a sense of control over their finances and do not live paycheck-to-paycheck. This can reduce the stress and anxiety associated with money matters. Moreover, good money management can also improve relationships as financial problems are one of the leading causes of stress and conflicts in marriages and families.

Now let us discuss some tips for effective money management:

Creating a budget is the first step towards managing money properly. It helps in tracking expenses and controlling spending.
Setting financial goals is crucial as it gives direction to one’s financial decisions and motivates towards saving and investing.
Saving a portion of income regularly should be a priority. Experts recommend saving at least 10% to 15% of one’s income for future needs.
Controlling spending habits is essential to avoid unnecessary expenses and impulse purchases.
Investing money wisely can help in growing wealth and achieving long-term financial goals.
Regularly reviewing and adjusting the budget and financial plan is important to adapt to changing circumstances.

In conclusion, managing money well is crucial for achieving financial stability, reducing stress and improving relationships. By following some simple tips and being disciplined with finances, individuals can achieve their financial goals and lead a comfortable life.

Remember, it is never too late to start practicing good money management habits! So start today and secure your financial future. That’s all! Happy saving 🙂

Essay on Money Laundering:

Money laundering is a term used to describe the illegal process of concealing the true origins of money obtained through criminal activities. It involves disguising illegally obtained funds as legitimate income in order to avoid detection by law enforcement and financial institutions.

Money laundering has become a global problem, with an estimated $800 billion to $2 trillion laundered annually. In this essay, we will discuss the concept of money laundering, its impact on society, and some measures to combat it.

Origin of Money Laundering

The term money laundering originated from the Italian word “lavare,” which means to wash. It was first used in the 1920s by American gangsters who were involved in bootlegging liquor during Prohibition. These criminals created elaborate schemes to disguise their illegal profits as legitimate businesses or investments.

This facilitated the integration of illicit funds into the legal economy and made it difficult for law enforcement officials to trace the source of these funds. Since then, money laundering has evolved into a sophisticated global crime that involves the movement of huge sums of money across borders and through multiple financial institutions.

Impact on Society

Money laundering has far-reaching consequences for society. It undermines the integrity and stability of financial systems, distorts competition, and facilitates corruption. By allowing criminals to profit from their illegal activities, it perpetuates criminal behavior and poses a threat to national security.

It also has negative impacts on legitimate businesses as they may face unfair competition from those using laundered funds.

Furthermore, money laundering enables criminal organizations to sustain their operations by providing them with access to clean funds for financing terrorism, drug trafficking, human trafficking, and other illicit activities. Ultimately, this has a detrimental effect on the overall economy and society.

Measures to Combat Money Laundering

To combat money laundering, countries have implemented various laws and regulations. The Financial Action Task Force (FATF) is an intergovernmental organization that sets international standards for combating money laundering and terrorist financing.

It conducts regular evaluations of member countries’ efforts in implementing these standards and provides recommendations for improvement. Financial institutions are also required to implement strict know-your-customer (KYC) procedures to identify their customers and verify the source of funds.

Additionally, governments should increase collaboration with law enforcement agencies, financial intelligence units, and other regulatory bodies to share information and intelligence on suspicious activities. This will help in detecting and preventing money laundering activities more effectively.

In conclusion, money laundering is a serious global issue that has significant impacts on society. It is not only a financial crime but also a threat to national security and the integrity of our financial systems. To combat it successfully, there needs to be cooperation between governments, law enforcement agencies, and financial institutions.

Strict laws and regulations must be implemented and enforced, along with proper monitoring mechanisms. Only by working together can we effectively tackle this complex and ever-evolving problem of money laundering. So let us all do our part in preventing this illegal activity and contribute towards building a safer and more transparent world economy for everyone

Essay on Money Plant:

The Money Plant, also known as Devil’s Ivy or Golden Pothos, is a popular houseplant that is loved for its beautiful foliage and easy maintenance. It belongs to the family of Araceae and is native to the Solomon Islands in the South Pacific. This plant has been used in traditional medicine for centuries and is believed to bring good luck and prosperity.

The Money Plant is an evergreen vine with heart-shaped leaves that can grow up to 40 feet in length. Its leaves are glossy and have a marbled pattern in shades of green and yellow. The plant also produces small, white flowers, but they are insignificant compared to its lush foliage. It is often grown as a hanging plant or trained on a trellis for support.

One of the reasons why the Money Plant is so popular is because it can easily adapt to different environments and grow in low light conditions. It also has air-purifying properties, making it a great choice for indoor spaces. The plant is known to remove toxins such as formaldehyde, benzene, and xylene from the air, improving the overall air quality in your home or office.

Taking care of a Money Plant is relatively easy. It requires well-draining soil and moderate watering, making it suitable for people who don’t have a green thumb. The plant can also be propagated easily by stem cuttings, making it an ideal choice for beginner gardeners.

Apart from its aesthetic and health benefits, the Money Plant is also believed to bring financial prosperity. According to Feng Shui, placing a Money Plant in the southeast or east direction of your home can attract wealth and abundance. However, it is essential not to rely solely on the plant for good luck and instead work hard towards your goals.

In conclusion, the Money Plant is not only a beautiful and low-maintenance houseplant but also has cultural and metaphysical significance. Whether you believe in its luck-bringing properties or not, this plant is undoubtedly a great addition to any home or office space.

Essay on Money is not Everything:

Money is a powerful tool that can provide us with comfort, security and luxury. It is often seen as the ultimate goal in life, and people spend most of their time chasing it. However, money is not everything in life. It cannot buy happiness, love or good health. In fact, it can sometimes lead to more problems and conflicts in relationships.

Money can surely buy materialistic things that give us temporary pleasure, but true happiness comes from within. It is not something that can be bought with money. Many people have all the luxuries in the world but are still unhappy and unfulfilled.

This is because they lack strong relationships, a sense of purpose and inner peace. It is important to understand that money can only provide temporary satisfaction, but true happiness lies in the simple things in life like spending time with loved ones, helping others and pursuing our passions.

Moreover, love and relationships cannot be bought with money. True love and genuine relationships are built on trust, respect and mutual understanding.

These cannot be bought with money; they must be earned through sincere efforts. In fact, having too much money can sometimes create power imbalances in relationships, leading to conflicts and even breakups. Therefore, it is important not to let money become the priority in a relationship. Instead, we should focus on building strong and meaningful connections with our loved ones.

Additionally, money cannot buy good health. It may be able to provide access to healthcare facilities and treatments, but it cannot guarantee a healthy mind and body. In fact, people who prioritize money over their health often neglect self-care and face various health issues in the long run. Therefore, it is important to maintain a balance between work and personal life and prioritize self-care. After all, without good health, money becomes meaningless.

In conclusion, money is certainly important in life, but it should not be the sole focus. True happiness and fulfillment come from within and cannot be bought with money. We should prioritize building meaningful relationships, pursuing our passions and taking care of our health over constantly chasing after more wealth. As the saying goes, “money can’t buy everything,” and we must remember that in order to live a truly fulfilling life.

Argumentative Essay on Money:

The topic of money and its role in our lives is a highly debated one. Some argue that money is the root of all evil, while others view it as a means to achieve success and happiness. The truth lies somewhere in between. Money is a necessary aspect of our lives, but it should not be the sole focus or measure of our success.

On one hand, money can provide us with material comforts and opportunities. It allows us to have a decent standard of living, access to education and healthcare, and the ability to pursue our passions. Without money, we would struggle to meet our basic needs and live a fulfilling life. In this sense, money can bring us happiness and satisfaction.

However, the pursuit of money can also have negative consequences. It can consume our lives and lead to greed, materialism, and a constant desire for more. Many people become trapped in a cycle of work and earning just to keep up with societal expectations or to maintain their status.

This relentless pursuit of wealth can lead to neglecting other important aspects of life such as relationships, personal growth, and mental well-being. In this sense, money can become a source of stress and unhappiness.

Moreover, the unequal distribution of wealth in society adds to the complexity of the issue. While some individuals have an abundance of money and resources, others struggle to make ends meet.

This creates a divide between the haves and have-nots, leading to feelings of resentment and inequality. Money can also be used as a tool for power and control, further fueling societal issues such as corruption and exploitation.

In conclusion, money is an important aspect of our lives, but it should not be the sole determinant of our success or happiness. We must strike a balance and prioritize what truly matters to us beyond material possessions. It is crucial to find a healthy relationship with money and use it wisely for our well-being and that of others. Ultimately, true success lies in achieving a fulfilling life rather than accumulating wealth.

Write a high school Essay on Money:

Money is a crucial topic for high school students, especially as they approach adulthood. It plays a significant role in shaping their future and achieving their goals. Money management skills are essential for students to learn at an early age. It helps them understand the value of money, how to earn it, save it and spend it wisely. In this essay, we will discuss the importance of money for high school students and how they can learn to manage it effectively.

Firstly, understanding the value of money is crucial for high school students. Most teenagers have a limited understanding of where money comes from and how hard their parents work to earn it. It’s essential to teach them about earning an income, whether through part-time jobs or chores at home.

This not only helps them appreciate the value of money but also instills a strong work ethic in them. It also teaches them to be responsible for their own finances and not rely solely on their parents.

Secondly, high school students need to learn how to save money. Many teenagers have the tendency to spend impulsively, especially with peer pressure and societal influences. It’s important to teach them the concept of budgeting and saving for future goals such as college or a car.

This will help them develop financial discipline and avoid getting into debt later in life. They can also start small by setting aside a portion of their allowance or earnings each month. This will teach them the value of delayed gratification and long-term planning.

Lastly, high school students should learn how to spend money wisely. With access to credit cards and online shopping, it’s easy for teenagers to overspend and fall into debt. Educating them on the importance of budgeting and differentiating between needs and wants is crucial in making informed financial decisions.

They can also be taught about investment options such as mutual funds or stocks, which can help their money grow over time. This will give them a head start in building their financial future.

In conclusion, money is an important aspect of a high school student’s life and learning how to manage it effectively is crucial for their future success. By teaching them the value of money, saving skills, and wise spending habits at an early age, we can help them become financially responsible adults. It’s never too early to start teaching teenagers about money management as it sets them up for a stable and secure financial future.

Advantages of Money Essay:

Money is something that has been a part of human society for centuries, and it plays a crucial role in our daily lives. In simple terms, money is any object or record that is generally accepted as payment for goods and services and repayment of debts. It can come in various forms such as paper notes, coins, or even digital transactions. In this short essay, we will discuss the advantages of money and why it is such an essential aspect of our society.

First and foremost, money provides a means for people to exchange goods and services. In earlier times, barter system was used for trade where people exchanged goods or services directly with one another.

However, this system had its limitations as it required a double coincidence of wants. With the introduction of money, individuals could now sell their products or services for money and then use that money to purchase other goods or services they needed.

This made trading much more efficient and convenient. Moreover, money also serves as a unit of account, making it easier for people to compare the value of different goods or services.

Money also allows individuals to save and accumulate wealth. With the use of money, people can store their excess income and use it later for future needs such as emergencies or retirement. This provides a sense of security and stability in one’s life.

Additionally, with the help of financial institutions like banks, individuals can invest their money in various sources to earn interest over time and increase their wealth. This creates opportunities for people to improve their financial status and achieve their goals.

Furthermore, money also enables governments to operate and provide essential services to its citizens. Taxes collected from individuals and businesses make up a significant portion of a government’s revenue, which is used for various purposes such as building infrastructure, providing education and healthcare facilities, and maintaining law and order. Without money, it would be challenging for governments to function effectively, leading to a breakdown of society.

In conclusion, money has numerous benefits in our society. It facilitates trade and exchange, allows people to save and invest, and enables governments to operate efficiently for the betterment of its citizens. However, it is crucial to use money responsibly and ensure that it does not become the sole focus of our lives

Essay on Save Money is a Good Habit:

Saving money is an important habit that everyone should develop. It refers to the process of setting aside a portion of your income for future use, rather than spending it all at once. This practice not only helps in meeting unforeseen expenses but also ensures financial stability and security. In this essay, we will discuss why saving money is a good habit and how it can benefit individuals in the long run.

One of the primary reasons for saving money is to prepare for unexpected events. Emergencies such as medical emergencies, job loss, or natural disasters can occur at any time, and having saved money can help in dealing with them without causing financial strain.

Additionally, saving money also helps in achieving financial goals and fulfilling dreams such as buying a house or going on a dream vacation. It provides a sense of security and peace of mind, knowing that there is a safety net in times of need.

Moreover, saving money can also lead to financial stability. By building a habit of saving regularly, individuals can create a cushion for themselves during tough economic times. This habit can help in avoiding debts and living within one’s means. Furthermore, it can also provide the freedom to take career risks or pursue new opportunities without worrying about financial consequences.

In the long run, saving money can also bring financial freedom and independence. By consistently saving a portion of their income, individuals can build a nest egg that can generate passive income in the future. This provides stability during retirement or even allows for early retirement. Additionally, it can also help in achieving long-term financial goals such as starting a business or investing in assets.

In conclusion, saving money is a good habit that can bring numerous benefits to individuals. It not only helps in preparing for unexpected events but also leads to financial stability and independence. Therefore, it is essential to develop this habit from an early age and make it a part of our daily lives.

As the saying goes, “a penny saved is a penny earned,” and by following this principle, we can secure a better future for ourselves and our loved ones. So let us all start saving today! # Keep Saving! Start Saving now!

Essay on Money and Credit:

Money and credit are two fundamental concepts that play a crucial role in our daily lives. Money is a medium of exchange that enables us to buy goods and services, while credit allows us to access funds without having to pay the full amount upfront. In this essay, we will discuss the relationship between money and credit and their importance in our economy.

Money is a universal currency that facilitates trade and commerce. It comes in various forms such as coins, paper notes, and digital currency. Without money, the barter system would still be prevalent where goods were exchanged directly for other goods.

However, this system was inefficient as it required a coincidence of wants between two parties. Money eliminates this problem by providing a common medium of exchange accepted by everyone.

On the other hand, credit is an essential aspect of modern economies as it allows individuals and businesses to access funds for various purposes. It can be in the form of loans, mortgages, or credit cards. Credit enables people to invest in their future by purchasing a house or starting a business without having to save up all the money beforehand. It also provides short-term financing options for emergency situations or unexpected expenses.

Money and credit are closely intertwined as the availability of credit depends on the amount of money in circulation. When there is more money available, interest rates tend to be lower, making it easier for individuals and businesses to access credit. Similarly, a lack of confidence in the economy or a shortage of money can lead to higher interest rates, making it more challenging to get credit.

In conclusion, money and credit are crucial components of our economy. They enable transactions to take place smoothly and provide opportunities for individuals and businesses to invest in their future. It is essential to understand the relationship between money and credit to make informed financial decisions that can benefit us in the long run.

Money is undoubtedly an important part of life. But it is not the only thing. As these essays explain with clear facts and examples, meaning, importance or power of money in life. These essays are written in simple English for high school and college level students to assist them in their exams.

Reader Interactions

May 14, 2022 at 12:41 am

Without money and without happiness u can’t live both are very important for a healthy life❤👑

May 21, 2022 at 5:25 pm

catamaran tours near me

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A tour boat glides along the water in Naples.

14 Best Boat Tours In Naples Florida (Sunset, Catamaran, Dolphin, and more!)

March 18, 2021 // by Florida Trippers

The best Naples boat tours are waiting for you! If you’re looking for a new way to take to the water, you’ve come to the right place.

Florida’s West Coast beaches are undoubtedly beautiful, but swimming off the shoreline and sunbathing can get boring. If you’ve ever wondered what’s beyond the shoreline, then these Naples boat tours are for you. This is truly one of the best things to do in Naples!

It doesn’t matter your disposition, there’s a boat tour from Naples for everyone! If you want to relax and take in the scenery, no problem. Or if you want a workout and want to kayak through the Ten Thousand Islands or the Everglades, there’s a tour for you!

There are even options for Spring Breakers too! Say goodbye to getting stuck on sandbars or worrying about DUIs. Naples boat tours have an option for you that takes away all the worry and hassle so you can be safe!

So no matter if you’re a tourist, a local, a vacationer, a fisherman, or somebody who just wants more of the great out doors? There’s a boat tour from Naples just for you. We even have a list of the best Everglades tours from Naples if you want an airboat ride. Discover what Southwest Florida has to offer you!

A tour boat glides along the water at sunset in Naples.

14 Best Boat Tours In Naples Florida (Sunset, Airboat, Dolphin, and more!)

Ten thousand islands boat tour.

For half a day, board a boat and explore one of Florida’s top natural attractions. This tour is one of the most fun Naples boat tours, exploring the Ten Thousand Island!

You’ll depart from Marco Island , about fifteen minutes south of Naples, with 12 other people to ensure an intimate experience. Then you’ll head to a small barrier island only accessible by boat on tour lasting about 3 hours.

The captain will point out sea life, highlight interesting sites, and discuss local history and ecology. While on the island, you’ll be able to swim, go snorkeling , and look for rare seashells!

Book Now : Ten Thousand Islands Boat Tour

The beautiful sandbars and islands of the Ten Thousand Islands as seen from above.

Western Everglades Adventure Tour

One of the best Naples boat trips is to explore the ecosystem that is the Everglades . This tour will take you from Naples into the marshes and swamps of this natural wonder.

While you ride, you’ll be looking for native Florida wildlife like birds and turtles. You’ll even see alligators , of which there are more here than anywhere else in the world!

There’s even an interactive reptile show at the end of the day! You’ll spend a half-day on the water with your naturalist guide who will teach you about the ecosystem while you spot herons, egrets, and snakes!

Book Now : Western Everglades Adventure Tour

Lilypads and reeds stick up from the water as seen from one of the best Naples boat trips.

Cape Romano Boat Tour

For a quaint morning and afternoon on the water, enjoy one of the best Naples boat tours of Cape Romano! With a guide, you’ll explore one of the prettiest areas of the Ten Thousand Islands.

You’ll depart at 9 AM from Caxambas Park Marina at the south end of Marco Island, only 15 minutes away from Naples. The tour only hosts 10 people, so you’re in for an intimate experience.

You’ll learn about the region’s marine life and see the ecosystem of mangroves of the Ten Thousand Islands. Afterward, you’ll stop on one of the islands to go shelling ! Make sure to look out for the Florida Domes !

Book Now : Cape Romano Boat Tour

The Florida Domes stand in front of a beautiful pink sunset.

Ten Thousand Islands Catamaran Tour

On this Naples boat tour hosted by Backwater Adventure , you’ll be in the captain’s seat! As you go through the Ten Thousand Islands, you’ll be operating your own catamaran!

On the morning of your tour, you’ll meet at the Little Bar Restaurant. You’ll be provided with all the required US Coast Guard equipment and bottled water. Complimentary pictures will even be shared with you via Dropbox!

Choose from a 2.5-hour or 5-hour tour, and you will operate your own 2 person catamaran through the waterways of the Ten Thousand Islands. Led by a guide on a separate catamaran, you’ll be able to see the marine life at a closeness not available on other boat tours from Naples!

Book Now : Backwater Adventure

Two small islands house trees in the Ten Thousand Islands, as seen from one of the best Naples boat tours.

Naples Bay and the Gulf Eco-Boat Tour

Of all the Naples boat tours, this may be the most luxurious. You’ll privately be led on a 3-hour sightseeing/eco-tour to discover Naples’s vibrant ecosystem.

Either departing at 9 PM or 1 PM, you’ll spend 3 hours on a 22-inch motorboat with comfortable seating for all guests! Shade will be provided by a T-Top plus an additional bimini on very hot days.

As you head head north through Naples Bay, you’ll see dolphins, manatees, and a variety of birds including blue herons, roseate spoonbills, ospreys, and egrets!

You’ll be provided with complimentary bottled waters and sodas as well as a cooler with ice for your personal snacks and drinks. You can bring your own alcohol onboard and be provided with cups and a corkscrew! Don’t forget a Bluetooth radio to stream music of your choice!

Book Now : Naples Bay and the Gulf Eco-Boat Tour

A boat leaves the Naples Bay marina to guide people on a tour.

Naples Sightseeing Boat Tour

Take a break from the hustle and bustle of life on one of the best Naples boat tours. This cruise will help you discover the top sights that Naples has to offer!

You’ll board a small motorboat where you’ll be able to purchase alcoholic beverages and small snacks. Make sure to bring your camera to take unobstructed pictures of the city.

After stopping at Tin City, a shopping and dining destination, you’ll cruise to the Gordon River Greenway. Along this stretch of water, you’ll see historic buildings and the homes of millionaires in Port Royal, some even owned by celebrity snowbirds!

Book Now : Naples Sightseeing Boat Tour

The Naples bay marina shimmers with its colorful buildings in the background.

Dolphin, Birding and Shelling Tour

On one of the best Naples boat tours, you’ll be introduced to birding! You’ll also have the opportunity to see dolphins and then go shelling for rare shells on the Ten Thousand Islands.

These tours are never “canned,” meaning the course changes daily to find the most beautiful Florida wildlife as it migrates. You’ll learn about these species in detail and their ecosystems from an experienced naturalist guide!

You’ll be able to see many different species depending on the season. Expect to encounter manatees, dolphins, sea turtles, bald eagles, ospreys, herons, egrets, pelicans, and roseate spoonbills. You’ll also see many species of fish and shore birds.

Make sure to bring your own water and snacks to last 2 hours. Wear a sunhat, sunglasses, sunscreen, and shoes you don’t mind getting wet. You also won’t regret bringing a camera and a pair of binoculars!

Book Now: Dolphin, Birding, and Shelling Tour

A dolphin breaches the water as a boat tour from Naples passes by.

Sunset Catamaran Sailing Excursion

How many Naples boat tours allow you to sail on a catamaran named “Cool Beans?” Cool Beans Cruises will be the perfect way to see Southwest, Florida to make lasting memories.

Choose between a 2.45-hour day-sail or a 2.5-hour champagne sunset cruise! With up to 20 passengers, you’ll depart from Naples and pass by the Rookery Bay National Estuarine Wildlife Reserve.

During the day-sail, you’ll stop by Keywaydin Island for shelling and swimming. Keep your eyes peeled for dolphins, birds, and manatees ! Bring a camera to capture a photo!

On the sunset sail, you’ll have a complimentary champagne toast right as the sun sets on the water. On both cruises, you’ll be able to drink complimentary soda, water, beer, and white wine.

Book Now : Cool Beans Cruises

A catamaran sails on the bay at sunset during one of the best Naples boat trips.

Mangrove Tunnel Kayak Eco Tour

Kayaking in Florida is always beautiful, but you can experience the best of one of the most fun Naples boat tours! Here , you’ll paddle a kayak through the mangroves of the Everglades.

You’ll discover the exotic beauty of the Everglades’ mangroves forest with the expertise of an experienced guide and naturalist. You’ll spend three hours winding through sleepy creeks and mangrove canopies.

Don’t worry if you’re not an experienced paddler, you’ll learn kayaking techniques from your guide. You’ll also get a larger-than-life view of alligators, herons, ducks, and loads of fish species! Don’t forget the bug spray!

Book Now : Mangrove Tunnel Kayak Eco Tour

Kayaks are lined up on the edge of the water on the Ten Thousand Islands.

Marco Island Dolphin-Watching Tour

Hosted by Florida Adventures and Rentals, this is one of the most relaxing of the Naples boat tours. Traveling through the Ten Thousand Islands, you’ll be looking for dolphins.

With your captain-guide, Captain Steve , you’ll explore the Ten Thousand Islands after departing from Marco Island at 11:30 AM. You’ll only be with 10 other travelers, so it’s an intimate experience.

You’ll be able to see dolphins right up close to the boat! Captain Steve will educate you about the natural environment and the area’s ecosystem. Also be on the lookout for native birds as well as fish in the maze of mangroves.

Book Now : Marco Island Dolphin-Watching Tour

A dolphin jumps out of the water on one of the best Naples boat trips.

Ten Thousand Island Jet Ski Eco-Tour

When you need to beat the heat, one of the regular Naples boat tours just won’t cut it. To get the best views on the water and from the water, consider the Ten Thousand Island Jet Ski tour !

Take a break from the beach and fly through the waters of the Ten Thousand Islands on a jet ski. From the Naples marina, your guide will point out dolphins and sea creatures often missed by untrained eyes.

Because you’re on a jet ski, you’ll be able to travel to secluded locations on the 30+ mile route that are inaccessible to boats and kayaks. With a small group size, you’ll be able to travel to the Florida Domes as well!

Keep in mind to drive a jet ski, you will have to obtain a Boaters Safety Certificate. You also must be 16 years old to operate the machine. If you were born before January 1, 1988, you do not need any certificate at all!

Book Now : Ten Thousand Island Jet Ski Eco-Tour

A tour guide shows around guest on jet skis on one of the best Naples boat tours.

Naples Deep Sea Fishing Tour

Anglers, rejoice! Sometimes the pier just doesn’t cut it. Instead of chartering your own boat and going it alone, take one of the best Naples boat tours to go deep-sea fishing !

Departing from the Cocohatchee River Park Marina, you won’t even need your own fishing license on this chartered boat. You’ll drop anchor about 10 miles or 16 kilometers offshore before you cast your lines.

Choose between a 4-, 6-, or 8-hour tour. After you depart at 7 AM, your captain will offer instruction and casting lessons to those who need it. Equipment will be provided. Depending on the season, you might find cobia, mackerel, snapper, and grouper!

Book Now : Naples Deep Sea Fishing Tour

A deep sea fishing vessel ventures out onto the Naples Bay.

Captain Party Hard Boat Tour

If you’re looking for a fun and different Spring Break destination , consider taking the most fun of the Naples boat tours out there: The Captain Party Hard Boat Tour !

Captain Party Hard will provide you a safe and worry-free boat tour. Departing from Marco Island, you’ll sail around Keywaydin Island and the Ten Thousand Island with multiple opportunities to spy on dolphins.

You’ll be surrounded by great music and a party atmosphere on a 27′ Hurricane Deck Boat. For four hours, you won’t have to worry about DUIs or getting stuck on sandbars.

You’ll be provided with beach chairs, games, beverages, and snacks. Dance with locals on the beaches, too! All you need is a bathing suit and a towel! Captain Brent Wilson provides the rest.

Book Now : Captain Party Hard Boat Tour

At Captain Party Hard, one of the best Naples boat trips, spring breakers jump off the side of the boat!

Guided Kayak Tour

If sitting on a boat sounds unappealing, then enjoy the water on one of the most adventurous Naples boat tours! With small groups of 6 maximum guests, you’ll be on an intimate kayaking adventure !

Small groups create the best opportunity to quietly kayak so everyone can see as much wildlife as possible. Your naturalist guide will provide information about the incredible flora and fauna of Southwest Florida.

Departing from the Cocohatchee River Park Marina in Naples, your guide will provide you with your equipment: kayak, paddle, life vest, and even a dry bag for your electronics. Bring your own water, sunblock, and bug spray.

After departure, you’ll head to Barefoot Beach Preserve. Through the mangroves, you’ll have the opportunity to see dolphins, manatees, birds, and more! Then you’ll stop by Barefoot Beach to stretch your legs and go shelling and swim!

Book Now : Guided Kayak Tour

Kayakers wind through the mangrove forests on one of the best Naples boat trips.

Did You Find This Post Helpful?

If so, we would love to keep in touch! We enjoy seeing photos and comments about your experiences in Florida! You can follow us on Instagram and we will repost your photos on our feed and comment too! Just tag us at @floridatrippers and hashtag #floridatrippers. We can’t wait to see your travels!

Use promo code: 5Paddle to save $5 on Peanut Island Kayak Snorkel Adventrue

Most Popular!

Sunset Catamaran Cruise

2 hours | $45 per person

Quick Details

Duration: 2 hours
Refreshments: available for purchase on board or for pre-order
Departing location : 138 S Flagler Dr. West Palm Beach, FL 33401

Come Enjoy a Sunset Cruise on the Hakuna Matata

Departing from the Downtown West Palm Beach docks at Clematis Street & Flagler Drive, guests are in for a wonderful, picturesque experience as they cruise along the Downtown skyline enjoying the mixture of 125 years of historic and modern architecture from the water. Relax comfortably on padded seats or with feet dangling in the catamaran’s bow nets while the Atlantic’s water flows underneath.

The friendly crew accommodates the guests with a variety of tropical beverages, beer, wine and snacks while cruising past the Mega yachts at Rybovich and enjoying a variety of music from tropical to reggae, pop and classics. The cruise will head toward Peanut Island where the Historic Coast Guard station still stands next to John F. Kennedy’s famous bunker built in 1960. The return trip includes up close views of the palatial mansions of Palm Beach, the Historic Biltmore hotel and a view of the iconic Breakers Hotel. As we approach the dock upon return, catch a photo of the Flagler Museum or the spectacularly plush gardens of Society of the Four Arts. This is not a Narrated cruise (check out our Sightseeing cruises for Narration ) but be sure to ask your crew if you would like them to point out a few of the “highlights” along the way!

A portion of the boat is covered for those that prefer to sit out of the sun and plenty of seating and deck space throughout the boat to move around, take photos, socialize or dance. A restroom is available onboard along with all safety equipment, life vests and coast guard certified specs.

(Also, be sure to check out the public Sunset Sails also available on “ Hakuna Matata ‘s” sister catamaran vessel, the NEW “Motunui” )

After your cruise, check out the dozens of restaurants, shopping and art Galleries throughout Clematis Street, The Square or Northwood Village. All walkable or use the FREE trolley, Circuit or rent an electric scooter from the Waterfront or our Adventure Center 7 days per week.

Chevron down Food And Drink Onboard Items
Domestic Beer (Corona Light, Coors Light, Yuengling) – $7.00
Import Beer/IPA (Jai Alai IPA & Modelo) – $8.00
Hard Seltzer – $7.00
Wine by the Glass (Pinot Grigio, Chardonnay and Red Blend) – $7.00
Rum Punch, Margaritas, Mojitos & Mixed Drinks- $10.00 in commemorative cup ($8 refills)
Variety of Chips & Cookies – $2.00
Soda (Coke, Diet Coke, Sprite) – $2.00
Bottled Water – $1.00

(Happy Hour Cruises $1.00 off mixed drinks, beer & wine)

Chevron down Catamaran Cruise Winter Menu

*No outside beverages or food onboard the Hakuna Matata catamaran .

$3 water conservation fee applied at checkout.

Related Activities

Partially Narrated Cruise
Hour Glass 2 hours
Anchor Cruise

Sightseeing Cruise

Delight in a 120 minute partially-narrated and entertaining Intracoastal Waterway Sightseeing cruise of the beautiful Palm Beaches aboard Visit Palm Beach’s 50′ Catamaran ‘Hakuna Matata’!

Happy Hr. Time & Price!
Hour Glass 1.5 Hours , 90 Minutes

Flamingle Happy Hour Cruise

Looking for a perfectly relaxing and fun way to end your day or begin your evening? Enjoy a happy hour cruise for all ages!

AFTERNOON SUN SAIL

Life is better on the water... Come sail with us!

Adults - $60 / Children under 12 - $30

A 2 hour Sailing excursion lay back, relax, sip a delicious cold drink from our service bar and listen to a variety of music. Custom built 50 foot Catamaran. Spacious sundeck. loads of space to view. Abundant seating area. Convenient service bar Two restrooms Beer and Wine Licence Stereo Sound System Capacity 41 guests

There is no better way to sail the Gulf of Mexico waters than aboard the Kai Lani Catamaran!

View Booking Info and Availability

Arrive early for check in

DAILY SUNSET CRUISES

The perfect way to end your day or kickoff your night!

Relaxing Sunset Sail Monday & Friday $60 for adults $30 for children (under 12)
Sunset Sail with Live Music Tuesday, Thursday & Saturday $75 Adults and $30 for children (under 12)
Sangria Sunday Sunset Cruise Sunday Evening $80 Adults and includes bottomless Sangria $30 Children (under 12)

Enjoy a 2 hour Sunset Sail in the Gulf of Mexico or Clearwater Bay. Whether you choose to have a few drinks and make new friends dancing to live music or enjoy a wonderful romantic cruise with that special someone, we know you'll make a memory to last a lifetime.

SPECIAL EVENT CRUISES

Join us for one of our monthly special event cruises

Our monthly event cruises feature an open bar, food and may also have live music. Many of these cruises are also partnered with non-profit organizations to increase awareness or funds. So raise a glass with your friends while helping the community!

Just some of our special events include our Valentine's day Sunset Cruise, Easter Brunch Cruise and July 4th Celebration Sail

We also have all inclusive packages available at discounted rates. These packages include other goodies like party favors for your bachelor or bachelorette party or decorations and special touches for your birthday or reunion celebration.

Please include in your email a phone number in the contact form below so one of our representatives can be in touch with you.

Where are you located?

Where do i park, what about bad weather, can we bring our own alcohol, are guests required to wear life jackets, is there a restroom on the boat, what is the unlimited drink wristband, how do i pay for drinks on board if i don't have a wristband, can i host a private party on the boat.

It is best to reserve as early as possible, as last minute bookings are hard to get. We suggest a few days ahead of time. Walk-ups are welcome if you want to leave your adventure to chance of available space on one of our day trips.

Contact Info

Address 25 Causeway Blvd, Slip #49 Clearwater Beach, FL 33767

Phone (727) 446-6778

@kailanicat1 on Facebook

@kailanicatamaran on Instagram

Reservation and Charter Policies

The Original CraigCat Tour

Availabilities are filling fast and may be limited!

To be placed on a waiting list for possible cancellations if the date(s)/time(s) are not available please email us: [email protected]

All tours are PER PERSON, not per boat! Please select the amount of people in your group when booking!

Backwater Adventure's CraigCat Tours of the Ten Thousand Island

A guided tour through the 10,000 Islands, like no other! Drive your own two-person catamaran while following one of our knowledgeable and experienced guides. We offer 2 tours, a 1.5 hour cruise as well as our most popular and original 2.5 hour tour with a stop at White Horse Key!

Hour Glass 1.5 or 2.5 hour
User 8+ (18+ to Drive)

IMPORTANT AGE REQUIREMENT INFORMATION!

Florida State Law requires anyone born after January 1, 1988 to have a valid boaters safety course certificate (lifetime or 90-day) prior to operating a motor vessel of 10HP or greater. Please choose a course below, complete, and save or print your certificate prior to arriving for your tour!

RECOMMENDED ! 90-Day Temporary is $9.99. Takes 1-2 hours or you may take quiz without reviewing the course: https://www.boat-ed.com/floridarental/

Lifetime course is FREE. Takes 6-8 hours to complete: https://www.boatus.org/florida/

Both will allow you to participate in all activities in Florida that require a Boaters Education Certificate.

*Must be 18+ to operate a CraigCat, regardless of completing certificate

Have Your Own Backwater Adventure!

Join on us on one of the BEST adventures in Southwest Florida! Operate your own two-person catamaran through the winding waterways of the 10,000 Islands, one of the largest mangrove forests in the world! Excitement, tranquility, thrill and intimacy bundled in to one great adventure. Although it is never guaranteed, it is likely that you will see an abundance and a variety of the wildlife and marine life that inhabit the area, at a closeness you can only experience on one of our tours! As the pioneers of the CraigCat tours, the very first to do it, we do promise to give you an adventure you’ll never forget!

a person riding on the back of a boat in a body of water

What is a CraigCat?

The CraigCat is an exceptionally unique watercraft that has been giving people nothing but smiles for over 30 years! This two-seat catamaran with 30 Horsepower outboard engine driven speed boat allows our guests to go up to speeds nearing 30 mph! The boat allows for a much more intimate ride than similar small watercraft such as wave runners or jet skis. This allows our guests to sit in a relaxed, comfortable position and stretch out during their CraigCat ride around Marco Island. Conversation is much easier between driver and rider on the CraigCat thanks to the design of the seats being side by side rather than forward and behind.

The CraigCat is also known for being very stable and very safe as well as easy to operate. After a short 15 minute instructional and safety speech, you will have all the know how needed to operate the vessel and enjoy the adventure.

The CraigCat offers a space for a complimentary cooler provided by us filled with bottled water and ice already. The CraigCat also has a small dry box built on the boat to place your belongings safe from any splashes. We’ll make sure you have the best Backwater Adventure around Marco Island!

To learn more about CraigCat and their awesome boats, visit www.craigcat.com

Reviews of Our Tours in The 10,000 Islands!

We saw several dolphins, some of which came right up to our boat! Our tour guide was the owner and was very knowledgeable. I would recommend this to any of my family or friends who visit Florida!

This is the best tour I've ever been on and I live right on the water. The guide really knows how to make these trips awesome not to mention the quality of the water crafts your driving and in complete control of make it a smooth ride. If your into pictures of national geographic scenery of the 10,000 islands then this is the trip for you. Highly recommended. I go at least once a month!!!!! It never gets old.

We were able to see 2 dolphin pods: 1 was leery of humans since it had a baby dolphin, the other pod was quite playful and hung around our boats for a great experience. It was also fun to cruise around the small islands in our 2-person CAT boats. This was the best part of our Marco Island vacation!

Tyler, our guide is a super cool dude and it was fun to follow his lead. We got to see dolphins up close and personal. These little 30hp Craig-Cats move pretty fast and are very fun to drive. Would totally go again and again, Tyler made our experience that much better. Good times!

We had a great time, Conner was a great tour guide had fun along the way and I would highly recommend this adventure.

The owner and our tour guide was great. We saw dolphins up close on our trip. He let us know a lot of info of the area and surrounding. The craigcats are so easy to operate that anyone can operate them. The boats were awesome, so awesome that when I got got back home I called craigcat and bought one. would recommend this company to anyone. Its definitely a great time

We had a great time! It’s not only fun, the owner to our guide, Jason were so professional and thoughtful of our needs. All of us loved it and cannot wait to return!

We Are The ORIGINAL CraigCat Tour in Florida!

And as the “pioneers” of the CraigCat tours, we are honored to be one of the top water sports and tour attractions in Southwest Florida since 2010! We offer interactive adventures which help you connect with wildlife, sea life, adventure and beauty. It’s not your everyday guided tour when you get to DRIVE YOUR OWN BOAT! With your guide driving his boat at the front of the tour, they will lead you safely through the shallow, winding waterways of one of the largest mangrove forests in the world. Join us for one of the most beautiful CraigCat tours in Florida!

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Moscow Tours

Our 20 Best Moscow Tours of 2022

Join us on an unforgettable tour to Moscow, the capital of Russia. Imagine visiting Red Square, St. Basil’s the Kremlin and more. Moscow is one of Europe’s most vibrant cities and one of Russia’s most historical. All of our tours to Moscow are fully customizable and can be adjusted to fit any budget. Our most popular tours are listed below. Please click on the tour details to learn more or contact us for more information about our Moscow tours using the form at the side of the page. You can also schedule a call with one of our Russian travel specialists to learn more.

Moscow Kremlin, photo by Walkerssk on Pixabay

Classic Moscow

This is our most popular Moscow tour that includes all the most prominent sights. You will become acquainted with ancient Russia in the Kremlin, admire Russian art in the Tretyakov Gallery, listen to street musicians as you stroll along the Old Arbat street, and learn about Soviet times on the Moscow Metro tour.

Accommodation

PRIVATE TOUR

St. Basiils Cathedral, Moscow, Photo by vierro from Pexels

A Week in Moscow

This tour is a perfect choice for those who wish to get to know Moscow in depth. One of the highlights of this package is the KGB history tour which gives an interesting perspective on the Cold War. You will also have time for exploring the city on your own or doing extra sightseeing.

Weekend in Moscow

This tour is a great way to get acquainted with the capital of Russia if you are short of time. You will see all the main attractions of the city, the most important of which is the Kremlin - the heart of Russia. The tour starts on Friday and can be combined with a business trip.

Group Tour Moscow Break by Intourist

Russia's capital has so much to offer, from the Kremlin and the Metro to the Old Arbat street and the Tretyakov Gallery. Besides these sites, you will also visit a fascinating country estate which today is quite off the beaten path, Gorky Estate, where the Soviet leader Lenin spent the last months of his life.

Kolomenskoye Tour with transport

The history of Kolomenskoye stretches back for centuries. In 1380, Dmitri Donskoi’s army passed through Kolomenskoye on their way to the Kulikovo battlefield, and it was...

Tours by car

Kremlin, Red Sq., Cathedrals & Armory Tour

The Kremlin is truly a fascinating structure, at the same time it is an ancient tower, the city’s former military fortification, a palace, an armory, the sovereign treasury...

Walking tours

Kremlin, Red Sq., Cathedrals, Armory, Diamond Fund Tour

Old Arbat walking tour

You will be told of the street’s interesting history and view the street’s artisan culture. You will also have the opportunity to view and purchase souvenirs from the...

Tour to Sergiev Posad with transport

Considered by some to be the Russian Vatican, Sergiev Posad is the temporary residence of the Patriarch of the Russian Orthodox Church. The Trinity St. Sergius Monastery (Lavra)...

Tour to Kuskovo with transport

The Kuskovo Estate often called the Moscow Versailles due to its perfectly preserved French park, is an example of an 18th century, luxurious Moscow summer residence. Its history...

Tour to Tsaritsyno with transport

The Tsaritsyno Estate is located in the southern part of Moscow. The estate was constructed for Catherine the Great by the Russian architects Bazhenov and Kazakov in a romantic...

Moscow Metro and Old Arbat Tour

The Moscow Metro is one of the largest and most grandly built metro systems in the world. It was meant to be a showcase of the Soviet Union’s achievements for both the Russians...

Vodka Museum Tour with transport (excursion and vodka tasting)

Vodka is an important component of Russian life, an element of national identity and everyday culture. We invite you to visit the Vodka Museum and feel the atmosphere of long-gone...

Mikhail Bulgakov Apartment Museum

This apartment museum located close to Patriarch Ponds became the prototype of the "bad apartment" described in the novel "The Master and Margarita." Currently the museum's...

Spasskaya Tower,Moscow Kremlin, Russia, image from Shutterstock

Kremlin, Red Sq., Cathedrals & Diamond Fund Tour

Portrait of Leo Tolstoy by Ilya Repin (1887)

The State Museum of Lev Tolstoy Tour

Take this opportunity to learn more about the Russian writer Lev Tolstoy. During the visit to the museum you will see part of a vast collection of exhibits connected to Tolstoy...

Novodevichy convent, Moscow, Russia, image from Shutterstock

Novodevichy Convent Tour with transport

Tour of the Novodevichy Monastery. Founded in 1524 by Grand Prince VasiliIoanovich, the original convent was enclosed by fortified walls and contained 12 towers. The structure...

St. Basil's Cathedral, Moscow, Russia, image from Shutterstock

City Tour with Visit to St. Basils & Red Sq. with transport

Panoramic City Tour. This Moscow tour is a great start to your trip and the best way to get acquainted with many of the city’s major highlights. Our professional guide will...

City Tour of Moscow

Head to the heart of Moscow with a professional guide on a 4-hour private walk through the city center. See Tverskaya and Old Arbat streets, Theatre Square with the world-famous...

Moscow Metro walking tour

The Kremlin, Moscow, Russia, image from Shutterstock

Kremlin, Red Square and Cathedrals Tour

KGB Tour with transport

This is a very interesting and insightful tour. You will visit places connected with Stalin’s terror - a time of great repression and fear. You will be shown monuments to...

Soviet and Post-Soviet Moscow Tour

The tour begins with a drive or walk down Tverskaya Street – a Soviet masterpiece. In the years of Soviet power, Tverskaya began to undergo a transformation: it was widened...

Tretyakov State Gallery Tour

This world-famous gallery contains masterpieces of Russian art beginning in the 10th century up until today. You will view exquisite Russian icons and paintings from the 18th and...

Jewish Heritage of Moscow Tour

This tour offers a detailed look into the history and present-day life of the Jewish community of Moscow. On the tour, you will visit sites connected with the cultural and religious...

Vodka Museum Tour with transport (excursion only)

Lena, our guide in Moscow was excellent. She was very knowledgable and could answer any question we had for her. We liked that she could pick up on our interests and take us places we might not have thought of to go. When we realized that one of the places we had chosen to see would probably not be that interesting to us, she was able to arrange entry to the Diamond Fund and the Armoury for us. Riding the Metro with Lena was a real adventure and a lot of fun. In Saint Petersburg we found Anna well versed in the history of the Tsars and in the Hermitage collection. Arkady in Veliky Novgorod was a very good guide and answered all of our questions with ease. Novgorod was perhaps a long way to go for a day trip, but we did enjoy it. Vasily was a great driver to have and kept us safe with good humour and skill. We enjoyed ourselves so much, my daughter says she is already planning to return. We would both have no hesistation to recommend ExpresstoRussia to anyone we know.

Just wanted to let you know that My grandson Bruno and I couldn´t have been more pleased with our week in Moscow (6/15 - 6/21). We were absolutely enchanted with the whole experience, including getting lost a couple of times in the Metro during our free time. Although both our guides (both Eleanas) were excellent, I would particularly commend the first one (she took us to the Tatiakov, the KGB tour, and to that beautiful cemetery where so many great Russian artists, authors, composers, musicians, militarists, and politicians are buried). Her knowledge is encyclopedic; and her understanding of today´s Russia as a product of its past was, for us, truly enlightening. I will be taking another tour in Russia, with my wife, within the next two or three years. I will be in touch with you when the time comes. Meanwhile, I will refer you to other potential visitors to Russia as I meet them.

Tours to Moscow

Our Moscow tours are land only meaning that you arrange your own air travel to Russia and our expert staff meets you at the airport and handles everything else from there. Our online Airline Ticket booking system offers some of the most competitive rates to Russia available on the web so if you need tickets, please visit our Russian air ticket center . Rest assured that you will be taken great care of on one of our Moscow tours. Express to Russia has a fully staffed office in Moscow that will help to make your visit fun, informative and unforgettable. Please remember that of all these tours are private and can be adjusted to your taste. You can add, replace or skip some sights; you can add more days to the package or cut the tour short. Our specialists will be glad to help you create the tour of your dreams!

Moscow, a City Like No Other

Moscow is Russia’s largest city with a population of between 12 and 13 million. It is also Europe’s largest city and when you visit Moscow, you can feel it. The layout and architecture of the city is eclectic, ranging from crooked, ancient streets and alleyways to wide, bustling boulevards, from medieval churches to Stalin skyscrapers and to modern, glass buildings towering over everything and of course in the center of it all is the Kremlin and the magnificent Red Square. Moscow is also home to a fantastic, efficient and very beautiful metro system – each station having its own special design. In fact, Express to Russia’s Moscow metro tours and excursions are some of our most popular attractions that we offer. On our Moscow tours, you will see this and more.

Moscow Tours centering on Russian History

Moscow has a long and interesting history and has been the capital of Russia in many of its different iterations – capital of the Grand Duchy of Moscow , the Russian Empire and of course the Soviet Union (who could ever forget the Soviet Union?). Moscow, was founded in the 12th century by Prince Yuri Dolgaruki (Yuri of the long arms – he really did have long arms!). From that time on, it was home to the Russian Tsars until Peter the Great moved the capital to St. Petersburg in 1703. The city has survived invasions and sieges from the Mongols, the Tartars, the Poles, Lithuanians and Napoleon but has always persevered. Our Moscow tours will enlighten you on this great history and give you insights into Muscovites and their unique culture. Our Moscow tours show you what the city is like today but also brings to life the past. Moscow never seems to sleep and is bursting with energy. A Moscow tour with Express to Russia is truly the best way of getting to know Russia’s largest and most vibrant city.

Frequently Asked Questions From Our Travelers

What is the best time to visit moscow.

Any time of year is fine depending on what you plan to do. Summertime is pleasantly warm, ideal for exploring the city and its vibrant atmosphere, but Moscow will be much busier and accommodation is more expensive. Winter can be quite cold but beautiful nonetheless, and this is unproblematic if you intend to spend most of your trip in museums and galleries. There are also various festivals and events organised throughout the year. For more information about the best time to visit, read our guide

How many days are enough in Moscow?

If you plan your itinerary strategically and aren’t averse to a packed schedule, you can cover Moscow’s main sights over a long weekend. Most popular attractions are in the city centre, and the Moscow Metro allows you to cover much ground in a small amount of time. Ensure that your accommodation is fairly central and book tickets in advance, so that you can make the most of your days. For an informative and well-organised day out, check out our Moscow day tours with options to suit all interests.

Do they speak English in Moscow?

As Russia’s capital city, tourists are well accommodated in Moscow. There should be English-speaking staff in restaurants, bars, hotels, shops and attractions in tourist hotspots, and there are also English-speaking tourist police. Transport services have English translations on their maps and English announcements via intercom; alternatively, order taxis from the Yandex Taxi app (Russian Uber), though it’s unlikely that your taxi driver will speak English. If you get stuck and cannot communicate, it’s fine to use Google Translate.

Is it safe to travel to Moscow?

It is no less safe to travel to Moscow than to any European city if you exercise common sense and look after your belongings. As with every city some regions can be more unsavoury than others, but no tourist attractions are located there. The traffic in Moscow is notorious, so exercise caution when crossing roads. Do not take unlicensed taxis; book in advance or take public transport, which is widespread and perfectly safe. If you encounter any problems, look for the special tourist police who can help you. For more information, read our guide about staying safe in Russia .

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AUDIO TOUR AVAILABLE

SAN FRANCISCO'S BEST WAY TO EXPERIENCE THE BAY

Risk free booking with our free 24 hr cancellation policy.

Sail with us and experience the beauty of San Francisco right from the water (bring your camera, these views are too good to miss!). Our spacious catamarans take guests on a stable, safe ride combining the exhilaration of fresh air and waves on our deck with the protection and outstanding views from our covered cabin.

Whether you’re looking for something the whole family can enjoy or a romantic evening out for two, your sail on Adventure Cat is sure to be a memorable highlight. See some of the Bay’s most popular attractions up close and personal as we sail around Alcatraz Island, directly underneath the Golden Gate Bridge and head back admiring the city’s famed skyline – it’s quite a sight! Catch a glimpse of marine wildlife including pelicans, sea lions, dolphins, and even the occasional whale. Our sailing excursions are consistently rated among the top five things to do in San Francisco, and our thousands of happy guests can testify.

Rated 4.8 out of 5 stars

Wind - the original "zero-emission" transportation

# of other similar capacity sailing catamaran tours on SF Bay

DAILY SAILS

Adventure Cat Nov 2022 (peterlyonsphoto) 24 (1)

Experience the Bay from the best viewpoint! For an hour and a half, you'll be treated to fantastic views of Alcatraz Island, the city skyline and the Golden Gate Bridge.

Adventure Cat Nov 2022 (peterlyonsphoto) 48 (2)

SUNSET SAIL

Want to see the San Francisco Bay as the sun sets over the Pacific Ocean? Our 1.5-hour Sunset Sail is for those who want a serene, romantic experience.

group of professionals standing on the netting of the Adventure Cat catamaran, smiling. Beautiful sunny day with blue skies.

Private Charters - Work Team Events

Private charters allow you to enjoy a longer sail on the Bay, plenty of space all to yourselves, and a departure time that suits you! It’s the perfect way to celebrate your day, on the Bay!

4th of July

See San Francisco’s spectacular annual display of fireworks from the best place to watch—on the water, right below the action.

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The Cat Chronicles: Tales and Tips from the San Francisco Bay

Privacy Overview

CraigCat Catamaran Tours

Be the Captain of your own adventure on a backwater tour of Amelia Island and it’s surrounding areas. Experienced guides will lead you on an adventure through the waterways of Amelia Island as you travel on your own CraigCat Tour boat. There are various places to explore by water such as Downtown Fernandina Beach, Fort Clinch, Tiger Island, Cumberland Island , Fort George, and many more! These tour locations are treasured for their rich history and natural charm.

Fast Fun & Adventure

Our CraigCat catamarans are quick, roomy and exceptionally well-built water vehicles. They deliver a unique experience with the performance of a sports boat and the ability to drift across the water ( speeds up to 25 mph! ) and the genuine comfort of a runabout. These mini boats offer high-speed stability and comfort with unmatched horsepower and high-tech handling. CraigCat sets the standard in aquatic excitement and you will not be disappointed in the fun!

Dolphins, Manatee, Horses, Oh my!

On this journey, you also have the opportunity to see various wildlife unique to this area. Will you see a dolphin playing in the water? A manatee passing by your boat? Or maybe some majestic wild horses running free on the shores of Cumberland Island. Our guides are local naturalists with plenty of interesting facts about the area that will keep you entertained for hours.

Family Fun for Everyone

Each CraigCat can carry 2 people, one driver and one passenger. Drivers must be over 18, but the passenger can be 5 or above, so this is a great family water tour . We can also accommodate one passenger in the tour guide’s CraigCat, so a family of 5 can enjoy this amazing tour, too. Larger family? No problem, you could also book our pleasure boat “Ms. Elvira” so you can sit back and let our Captain do all the work while you watch the CraigCats glide across the water.

Questions? Call: 904-891-5687

Minimum Age: Drivers - 18, Passenger - 5 Equipment: Supplied by Riptide. Experience Needed: Beginners welcome.

Captain your own CraigCat with top speeds of 25 mph.

Note: If born after January 1, 1988 you must complete a online temporary boaters' safety course prior to driving/operating the Craigcats. Visit https://www.boat-ed.com/floridarental for your quick Online Florida State–Approved Boat Rental Course .

24 hours notice for cancellations required.

Private Boat Tours

Kayak Tours

Stand Up Paddle Board Tours

City Sightseeing Moscow Hop-On Hop-Off Bus Tour with Optional Cruise

Hop-on or hop-off at any of Moscow’s main highlights
Views of Moscow from an open-top, double-decker bus
Learn about the city with recorded commentary
Visit Red Square, Alexander Gardens, and more
Bus pass inclusions: 48 or 72 hour bus pass + walking tour
Boat pass inclusions: 60 minute boat trip + walking tour
Bus & Boat pass inclusions: 48 hour bus pass + 60 minute boat trip + walking tour
Vouchers valid for 12 months
Hotel pickup and drop-off
Food and drinks, unless specified
Location Name: The route begins at Red Square but you can board at any stop
Wheelchair accessible
Stroller accessible
Near public transportation
Confirmation will be received at time of booking
Red Route runs from 10:00am - 6:00pm, every 25 minutes. Duration - 60 minutes. First stop - Bolotnaya Square.
Most travelers can participate
Green Route runs from 10:00am - 6:00pm, every 60 minutes. Duration - 120 minutes. First stop - Bolotnaya Square.
Orange Route (currently suspended) runs from 10:30am - 6:30pm, every 30 minutes. Duration - 140 minutes. First stop - Museum of Cosmonautics
Walking tour runs daily at 10:45am. Duration - 2 hours 30 minutes. Meeting point - Next to monument of Saints Cyril and Methodius.
Boat tour operates 5th May - 20th October, from 11:30am - 6:30pm. Duration - 60 minutes. Meeting point - Zaryadye Park Pier.
Mobile and paper vouchers are accepted for this tour.
Vouchers can be redeemed at any of the stops along the routes.
Vouchers are valid for 12 months
For a full refund, cancel at least 24 hours in advance of the start date of the experience.

DebbJ 0 contributions 4.0 of 5 bubbles Great way to get oriented to Moscow We started our Moscow experience with the hop on hop off. It was a great way to get orientated to the city. The additional optional tours were also good, we did the Metro tour which I highly recommend, we also paid for the Kremlin tour. The hop on hop off has three different lines all included. Only fault was the bus was sometimes full and you had to wait for the next one which was about 15 minutes (in the cold). Read more Written January 6, 2020
UmaDelhi 0 contributions 5.0 of 5 bubbles 2 days are required Very very good audio guides- the voice quality was also good and also the anecdotes of history were brilliant. Russia is truly beautiful Read more Written September 1, 2019
BeverleyT 0 contributions 1.0 of 5 bubbles Boat trip - TERRIBLE We got on the bus, but couldn’t buy a 1 day ticket. They suggested we do the 1 hour boat trip and said they would drop us to the dock. 1) they dropped us in the wrong place 2) they were lost because of the marathon Then the boat, after we finally found it: 1) stinking fumes, actually gagging 2) no commentary, in fact, no interaction unless you begged 3) offered us 2 for 1 icecreams as they had melted and refrozen as the fridge gets turned off at night Honestly, we enjoyed the afternoon in the boat but spent all of it laughing at just how awful it was!!! The worst thing in Moscow! Read more Written August 18, 2019
niruDurbs 0 contributions 3.0 of 5 bubbles Not the best value for the price The ticket is quite expensive and covers three different routes in a 24 hour period. The red route is quite exciting and takes about an hour. The bus comes every 10 to 15 minutes. However the other two routes take about two hours each and buses come every 30 to 40 minute period. If the bus is full then you have to wait at the stop for the next bus. So personally I feel that not much can be seen this way. I definitely was not impressed. However it must be noted that one can learn a lot about the history of Moscow Read more Written July 3, 2019
IrishCueTravel 0 contributions 1.0 of 5 bubbles SLO Motion Not all their fault , but if you plan on trying this Attraction be patient! Traffic is a big problem first and foremost. But to add additional unnecessary delays; the bus stops at each site for 15 minutes at a time or More ! I gave up half way through ( 45 minutes) ; and walked back to the starting point in 10 minutes! Read more Written June 4, 2019
michael g 0 contributions 1.0 of 5 bubbles Worst hop on/hop off EVER Waited for 40 minutes in the cold rain for a bus that never came... unacceptable. Traffic is so bad that when on a bus the previos day it was barely moving. My advice-get a subway pass and a good travel guide book and do sightseeing on your own! Read more Written October 24, 2018
Rebecca J 0 contributions 3.0 of 5 bubbles Boat element was excellent We purchased a ticket online for the boat and bus for 2 days. The boat element was wonderful, we saw some amazing parts of Moscow along the river side. The bus element was very disappointing as it only started at 10am and was finished by 6:30pm. It was extremely warm when we were there and it would have been great to do the tour in the cool of the day. There was also no air conditioning in the down stairs part of the bus. They also turned away passengers at one of the stops as the bus was full and there was not another bus for 40 minutes. Read more Written September 26, 2018
Monismith2014 0 contributions 4.0 of 5 bubbles it was very enjoyable it was very interesting seeing things we saw walking around from the bus. so much more to see. we had a lot better view of the attractions from the height of the bus.also the bus was reasonable slow which gave us time enough for photos. it stopped at sparrow hill for 10 minutes for picture taking Read more Written September 20, 2018
fati666222 0 contributions 4.0 of 5 bubbles The best way to see Moscow We did both routes but if you have little time then only do the red route.Its very informative and it takes you to the important sights.The staff on the bus are very friendly and helpful. Read more Written August 20, 2018
adolfo17 0 contributions 3.0 of 5 bubbles The worst hope-on hope-off service I've ever seen Diffiult to understand the route maps and stops. Staff wouldn't help either. Lengthy stops. No air conditioning. Read more Written August 4, 2018
Peter F 0 contributions 3.0 of 5 bubbles Two Routes There is a short red route which depending on the traffic takes about an hour. The route is generally around the Red Square area. The ear phones were small and sometimes the commentary did not link up with the sites you were seeing. The green bus takes you on a longer route and ours took two and a half hours due to the heavy traffic. I would not recommend this trip unless it is raining or you want to fill in time. The sights we saw were nothing outstanding with plenty of time at certain stops for photos. Also the driver stop for a bite to eat at one stop. Read more Written July 30, 2018
Bernardo P 0 contributions 1.0 of 5 bubbles Boat Trips Moscow, Russia Yesterday, I booked a boat trip with the GetYourGuide.com web page and was totally horrible, didn’t have audio guide as it shows on the picture-Nobody Talk-. The girl on the picture-light blue bag-ask for 100 Rubles for show her the QR Code while I had the Booking and PIN number cause she must see the vessel name-Didn’t say nothing and after she said board any vessel. I suggest take the trip and pay on site, avoid fake internet pages, there are many other services with a lot of entertainment, don’t take this ones. Read more Written July 14, 2018
Kathrynowl91 0 contributions 3.0 of 5 bubbles Good way to see some sites We usually do these tours when we travel. They get you round and you see the sight . The traffic is quite heavy so it is a bit slow but there is not a lot they can do about it. We only did the red route. Just a note people don’t queue here when the bus comes it’s a bit of a free for all. Read more Written July 13, 2018
Daniyal91 0 contributions 3.0 of 5 bubbles Was Ok.! Started our tour of moscow from here, We had got the 2 Day Pass with the boat ride. The route and the map was good but not well managed. The bus didn't stop at many points. Were were unaware a couple of times at what point we were and missed them. Headphones and maps were provided. Would recommend one should check out the route map before going and decide which places to stop in advance, this way one can manage and enjoy the tour more and us it more effectively.! The boat ride was Ok, a little crowded. No guide provided, just a boat ride with restaurant service Read more Written July 12, 2018
WilliamDyer 0 contributions 1.0 of 5 bubbles Poor service on boat and too many waiting times on buses For the price, you should expect at minimum English speaking tour guides with decent experience, but at least in my case that did not happen both in buses and boats. And in the boat even tough we were 90% English speaking tourist at least, the tour guide spoke 95% of the time in Russia, and only 3 sentences in English, I really counted how many times she spoke in English. And at the end she asks us if we have any questions? Of course I told her I couldn’t ask her anything since I didn’t understand 95% of what she was saying. The boat tour is not worth it, just take the bus that would be my advice. Second minus is the waiting times, in the boat they made us wait an hour before it departed, and in many stops with the buses waiting times of 20-30 minutes. I actually think I lost that day around 2 hours doing nothing. Be careful. Read more Written July 10, 2018

Most Recent: Reviews ordered by most recent publish date in descending order.

Detailed Reviews: Reviews ordered by recency and descriptiveness of user-identified themes such as wait time, length of visit, general tips, and location information.

City Sightseeing Moscow Hop-On Hop-Off Bus Tour with Optional Cruise provided by City Sightseeing Moscow

Moscow Tours & Travel Packages 2024/2025

63 moscow trips. compare tour itineraries from 45 tour companies. 308 reviews. 4.7/5 avg rating., popular moscow tours.

St Petersburg & Moscow in Style - Winter

Explore the majestic St Petersburg & Moscow on private city tours
Admire the rich Russian history, art and architecture
Travel to Moscow on a highspeed train
Enjoy the local cuisine in stylish restaurants

Lower Volga Voyage

Visit magnificent Red Square and Kremlin and examine the collection at theKremlin’s State Armory.
Experience Russia’s diverse musical traditions at lively folk music performances
Explore Volgograd, the site of the decisive battle of World War II’s eastern front

Volga Dream Russian River Cruise

St Petersburg & Moscow in Style - Summer

Golden Ring of Russia

Best of Russia

Highlights of Russia

White Russian - 7 days

Discover Moscow's UNESCO-listed Red Square, home to spectacular St Basil’s Cathedral, Lenin's Mausoleum and the historic GUM Department store
Explore the grounds of Moscow's mighty Kremlin, with its numerous governmentbuildings, gold-domed cathedrals and the giant tsar bell
Celebrate New Year's Eve in Moscow!
Take in the highlights of St Petersburg including a guided tour of the exquisite Church on Spilled Blood, Peter & Paul Fortress and Cathedral
Take a guided tour of the remarkable Hermitage Museum at the Winter Palace

All Moscow , expedition cruises, self guided adventures and vacation packages. Find the best guided and expert planned vacation and holiday packages. Read more about Moscow

Small Group Moscow Tours

Vodka Shot - 6 days

Explore the beautiful city of St Petersburg, including the exquisite Church on Spilled Blood, Peter & Paul Fortress and Nevsky Prospekt
Marvel at the dazzling array of art and exhibits in the world-famous Hermitage Museum, at the Winter Palace in St Petersburg
Discover a lavish residence of the tsars on a day trip to Catherine Palace at Tsarkoe Selo (winter: mid-October to April) or Peterhof Palace and gardens (summer: May to mid-October)
Take in the highlights of the capital on a walking tour, visiting Moscow's famous Red Square, home to the historic GUM Department Store, Lenin’s Mausoleum and spectacular St Basil’s Cathedral
Take a guided tour of the Moscow Kremlin, Russia’s political power house. Stroll around the grounds of this fortified complex, visit the Kremlin's cathedrals and see the mighty Tsar Bell

Route of the Romanovs - 10 days

Learn about the last days of the Romanovs in Yekaterinburg, visiting the sites where Tsar Nicolas II and his family were assassinated and buried
Straddle two continents at the famous obelisk Europe/Asia border marker in Yekaterinburg
Experience the Trans-Siberian railway on an overnight train journey from Moscow to Yekaterinburg

New Year's in Moscow - 9 days

Visit Catherine Palace at Tsarkoe Selo on Christmas Day and marvel at the incredible Amber Room
Spend a night in Novgorod, an ancient city by the Volkhov River - explore the kremlin, cathedral and other sights and enjoy a traditional Russian banya (sauna)

Back in the USSR - 7 days

Russian Revolution - 9 days

Visit historic Novgorod, an ancient city which straddles the Volkhov River. Explore the attractive riverside kremlin and experience a traditional Russian banya (sauna)

The Snowball - 6 days

Visit Catherine Palace at Tsarkoe Selo and marvel at the incredible Amber Room

Mood for Moscow - 4 days

Head underground to visit a Stalinist-era Soviet Bunker on an optional excursion
Stroll to the vibrant Izmailovo Market, which lies behind the walls of an ancient Kremlin, and shop for an array of souvenirs

Best Moscow Tours by Duration

Tours, Cruises & Private Trips

Best Moscow Tours by Price

Top Moscow Attractions & Experiences

Moscow Tours & Travel Guide

Moscow Attractions & Landmarks Guide

Moscow reviews & ratings, capitals of the north.

some hotels could have been better

It was jam packed with every place I wanted to go and see. I especially love my photo of us setting out on the night time river cruise in St Petersburg and the Peter...

I really did not buy much and what I did buy was small gifts for others .

Johanna-Marie

Good hotels, some better than others. Interesting itinerary

Too rushed. Optional tour rather too short

See all Moscow reviews

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17 Best Moscow Tours

Are you planning a visit to the capital of Russia and looking for the best Moscow tours? From Red Square to the Kremlin and from world-class art to fairytale buildings, Moscow is an enchanting city that offers plenty of excitement and elegance. Its history dates back more than 800 years, and there is culture in abundance for visitors to immerse themselves in.

Make the most of your visit with 17 of the best Moscow tours that let you see everything the city and its surroundings have to offer.

1 – Guided Tour of the Moscow Metro

Moscow’s metro is world-famous, thanks to the architectural delights on offer underground stations around the capital. This guided tour of the Moscow stations, otherwise known as “the palace of the people” lasts for 1.5 hours and includes an English-speaking guide who will tell you how the Russian metro became one of the most beautiful in the world. Highlights include Mayakovskaya station with its aviation-themed mosaics.

Moscow metro tours

2 – Cosmonautics Museum Space Tour

Discover Cosmonautics Museum with this space tour. Dive into one of the greatest battles between the Soviet Union and the United States – the space race. Hear about the space programs of the USSR and learn about how the USSR shaped space travel and technology.

Cosmonautics Museum tours

3 – Guided Tour of the Kremlin

A Kremlin is actually a citadel in Russian towns, and Moscow’s version is, without doubt, the most famous. The Kremlin is the heartbeat of the city, and this guided tour takes you to the most important points of interest. See Cathedral Square with its orthodox temples; Tzar Cannon with its 890mm calibre, which is the largest in the world; and the exterior of the all-important government buildings that are located within the Kremlin’s walls.

Click here to learn how to book Kremlin tickets .

Kremlin tours

4 – Moscow City Walking Tour

One of the best Moscow tours for seeing everything the city has to offer, this small-group walking tour lasts for 2 hours and includes an expert guide. Make the most of the capital and see the cobbled spaces of Red Square, take pictures of St Basil’s Cathedral, visit the elegant Bolshoi Theatre, and enjoy the ornamental Alexandrovsky Garden.

Moscow walking tours

5 – Night Tour of Moscow

When the sun sets, the fun begins – and it all starts with a night tour of Russia’s most famous city. The beauty of Moscow comes into full effect after hours, as iconic buildings like St Basil’s Cathedral illuminate against the night sky. Other locations on this tour include the Moscow River and the Ukraine Hotel, which is a landmark skyscraper that was constructed during the era of Stalin.

6 – Sergiev Posad Day Trip

One of the best Moscow tours that take you outside of the city, the Sergiev Posad day trip provides the opportunity to see The Trinity Lavra of St. Sergius, a UNESCO World Heritage Site that is the spiritual centre of the Russian Orthodox Church. It’s made up of a number of different buildings that include the blue domes of the Cathedral of the Assumption, Church of St. Sergius and the Bell Tower.

Sergiev Posad day trips from Moscow

7 – City Sightseeing Moscow Hop-On Hop-Off Bus Tour with Optional Cruise

If your time in Moscow is limited, this hop-on, hop-off bus tour is ideal – and it even features an optional cruise on the river. Choose between a 2 and 3-day ticket and see famous landmarks like Red Square, the Kremlin and the Bolshoi Theatre from an open-top panoramic bus with informative audio commentary. Take your experience to the next level by upgrading to a boat tour.

Moscow hop on hop off bus tours

8 – Guided Tour of the Tretyakov Gallery

As one of the world’s most important galleries, the Tretyakov Gallery is a must-see for any art lovers and is one of the best Moscow tours for culture vultures. Learn about the masterworks of Pablo Tretyakov with a guided tour and discover the secrets behind the paintings. Other noticeable artists on view include Fedotov, Vasnetsov, Rokotov and Kiprenski, who is the author of the famous “Portrait of Alexander Pushkin”.

Tretyakov Gallery tours

9 – Alternative Moscow: 2-Hour Walking Tour

See a different side of Moscow with this 2-hour alternative tour. An expert guide will take you around quirky streets, suburbs and squares while as your veer away from the traditional tourist hotspots. Highlights include a ride on the famous “Annushka” tram and a visit to the neighbourhood of Khitrovka, which was once known as the criminal district of the city.

10 – St.Basil’s Cathedral and Red Square: Private Tour and Ticket

Combine two of Moscow’s biggest attractions with a visit to Red Square and St.Basil’s Cathedral. Admire the beautiful architecture of St.Basil’s Cathedral from inside and out, before wandering Red Square and learn about the soldiers, farmers and revolutionaries that all called this famous square their home. Round things off with the changing of the guard at Alexander Garden.

Red Square tours

11 – Bunker-42 Cold War Museum Guided Tour

Moscow is notorious for the Cold War, which lasted for about 45 years between 1945 and 1990. Head to the world-famous Bunker-42, located 65 meters below ground level, and learn about the storied past. Visit rooms and passages that were set up to shelter 3,000 people in case of nuclear attack and discover other sections, such as the equipment room and the war-proof telecommunications system.

Bunker-42 Cold War Museum tours

12 – Architecture Tour of Moscow’s Metro and Kolomenskoye Estate

Combine the beauty of the metro stations with the Kolomenskoye Estate and see some of Moscow’s grandest sights. After visiting the elegant metro stations, it’s time to go to the Kolomenskoye Estate, which is filled with UNESCO-listed sites that are dedicated to Tsar Peter the Great.

Kolomenskoye tours

13 – Tour of Soviet Moscow

Unpick the history of the USSR with one of the best Moscow tours for discovering Soviet Moscow. Starting at Monument to the Conquerors of Space, a tribute to the success of the Soviet space programme, the tour includes historical landmarks and interesting tidbits about Soviet Russia. There is also a visit to the All-Russia Exhibition Centre (VDNKh), a site that was constructed under the aegis of the USSR in tribute to state achievements.

14 – Moscow: 2.5-Hour Luxury River Cruise with Dining Option

Sail down the Moscow River on this 2.5 hour tour that provides a different perspective of the city and includes landmark sights. The boat features two decks and has panoramic views as well as free Wi-Fi access. Attractions along the route include Ukraine hotel, Sparrow Hills, Christ the Saviour Cathedral, Crimean Bridge, St. Basil’s Cathedral, Zaryadye Park and more.

Moscow boat tours

15 – Izmailovo Market and Vodka Museum Tour

Visit the museum of Vodka and gain insight into one of Russia’s most famous exports and head to the Izmailovo antique and handicraft market to find a gem or two. The tour starts with Izmailovo market, which features the iconic matryoshka dolls, fur hats and amber jewellery. Next up is a trip to the Museum of Vodka, where you will discover a distillery that dates back to the 15th century.

Izmailovo market tours

16 – Súzdal and Vladímir Day Tour

Discover Russia’s famous “Golden Ring” on this tour of two medieval cities outside of Moscow. The historic city of Vladimir is first up with its Golden Gate, which is an ancient city-fortress that dates back to the 13th century. Next up is the neighbouring town of Suzdal, which features historic architecture and the Kremlin, where you can see its striking white walls topped with blue domes.

Suzdal & Vladimir tours from Moscow

17- Moscow Food Tasting & Walking Tour

Sample the unique flavours of Moscow with this food tour that lasts for 3 hours and features more than 15 different food and drink tastings. Weave in and out of small alleys in the city centre while enjoying the best food spots in town. See Moscow like a local while trying classic dishes from local breakfast haunts, bustling markets, the oldest monastery in Moscow, and dumpling cafes where you can taste authentic dumplings and enjoy local coffee.

Moscow food tours

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From $110.00 per person. A guided tour through the 10,000 Islands, like no other! Drive your own two-person catamaran while following one of our knowledgeable and experienced guides. We offer 2 tours, a 1.5 hour cruise as well as our most popular and original 2.5 hour tour with a stop at White Horse Key! Book now. Learn More.

Explore the scenic and historic attractions of Moscow from the water with the best boat tours and cruises. Enjoy the views of the Kremlin, the Cathedral of Christ the Savior, and the Sparrow Hills on a relaxing or informative boat ride. Or, spice up your trip with some water sports and activities in Moscow. Find out more on Tripadvisor.

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Travel around Moscow at your own pace and enjoy a leisurely journey with our 48-hour ticket. After all, you'll have more time to hop off at each bus stop and visit all of the 26 attractions on the Green Line! With the 48-hour ticket you're guaranteed to have enough time to hop off and complete the walking tour included in the price of the Hop ...

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About. It can be hard to see the highlights of Moscow in a day or two, but this hop-on hop-off City Sightseeing open-top bus tour makes it easy and convenient. Take in views of the city while listening to recorded commentary on the bus. Hop off at any of the stops, including Red Square, the Big Stone Bridge, and Pushkin Fine Arts Museum.

🎧 Wear headphones for the best experience.In this video, we will walk along the famous tourist routes of Moscow, take a walk along the renovated embankments...

60 Moscow trips. Compare tour itineraries from 45 tour companies. 308 reviews. 4.7/5 avg rating. Choose your trip style: Design custom trip. Group Tour. Private Guided. Small Group. River Cruise.

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8 - Guided Tour of the Tretyakov Gallery. As one of the world's most important galleries, the Tretyakov Gallery is a must-see for any art lovers and is one of the best Moscow tours for culture vultures. Learn about the masterworks of Pablo Tretyakov with a guided tour and discover the secrets behind the paintings.

PANORAMA360 is. Panoramic view of Moscow from a height of 327 meters. Polar bear Panoramych. The world's highest ice cream factory. The world's highest chocolate factory. Group tours for all ages. Locations for amazing photos. Kids animation program. 360, the panoramic restaurant of author's and European cuisine on the 89th floor.

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3 smart money moves to make in your 20s to be more successful

Your 20s can be a strange decade, encompassing everything from college graduation and moving out of your parents' house to your entry into the workforce and bringing in what's likely the most money you've made in your life so far.

But figuring out exactly what to do with your paychecks can be stressful for Gen Z and young millennials.

While it's great to live in the moment — and soak up your newfound of independence — your 20s are also a great time to put into place long-term financial habits.

If you're questioning how to put your money to use in your 20s, here are three smart money moves to set yourself up for success later in life, according to two certified financial planners.

1. Start planning for retirement now

With the average American retiring in their early 60s , it can seem odd to begin stashing away cash for a phase of your life that's almost four decades away.

But time is on your side, and your 20s are "the most important age" to start saving for retirement, says Andrew Fincher, a financial advisor at VLP Financial Advisors and certified financial planner.

"It's less about the amount you're putting in [retirement savings] and more about how much time you're invested," he says. "The compounding interest over a 40- or 50-year period is huge. If you do a smaller amount over 50 years, you'll end up with a larger balance than if you didn't start until you're 35 and you max out."

You can begin by seeing if your company sponsors a tax-advantaged retirement savings account, such as a 401(k) . If it does, see if it also offers a company match, which is when an employer matches some or all of the contributions you make.

"There's no other investment that I know of where you immediately get 100% on your money day one, or whatever the match is," says Joe Conroy, certified financial planner and author of "Decades & Decisions: Financial Planning At Any Age."

2. Focus on debt elimination

While it can be tempting to spend your money on travel or dinners with friends, be mindful of tackling debt now to prevent it from compounding later.

The most common forms of debt for twentysomethings include credit cards, auto loans, student loans and personal loans. High interest rates have made paying off debt even harder, and in 2023 people under 29 carried an average of nearly $3,000 in credit card debt.

"More people are carrying more debt, and those balances cost more than ever," Ted Rossman, senior industry analyst at Bankrate.com, told CNBC Make It in 2023 .

To tackle credit card debt, Rossman recommends either signing up for a 0% balance transfer card or consolidating your credit card debt if you have several balances on different cards.

Student loans are another common burden for many young people, with nearly 35% of adults ages 18 to 29 carrying student loan debt, according to the Education Data Initiative .

While it can be burdensome for twentysomethings to make anything more than the minimum payment on their student loans given that many are living off an entry-level salary, Fincher encourages people in their 20s to focus as much as possible on eliminating this debt.

"The problem is to look out further, when the interest on [student loans] has just accrued like crazy when you hit your 30s and really puts you in a more difficult position to be in," he says. "To the extent that you have the ability to pay down a little bit more, focusing on that is a huge thing as well."

3. Incorporate weddings into your budget

As you enter your mid- to late-20s, it's likely that more and more wedding invitations will crowd your mailbox.

Attending the wedding of a friend creates lifelong memories, but can also set you back several hundred dollars if you need a new dress or suit or have to pay for travel expenses. That number often multiplies if you're in the wedding party.

Preparing in advance for wedding attendance expenses can be helpful to avoid going into debt over pricey events, says Conroy. He recommends creating a wedding budget that you deposit a certain amount into each month, depending on how many events you have coming up.

"That way, you're not just living off credit cards, you've actually set the money aside," he says.

The same strategy could be applied to a vacation you've always wanted to take or a big birthday dinner. Creating a "me fund" can allow you to fit fun expenses into your lifestyle without stressing over the consequences.

Want to make extra money outside of your day job? Sign up for CNBC's new online course How to Earn Passive Income Online to learn about common passive income streams, tips to get started and real-life success stories. Register today and save 50% with discount code EARLYBIRD.

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Youth nowadays spend a lot of money. what are the causes for this? Is it a positive or a negative development?

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Include an introduction and conclusion

A conclusion is essential for IELTS writing task 2. It is more important than most people realise. You will be penalised for missing a conclusion in your IELTS essay.

The easiest paragraph to write in an essay is the conclusion paragraph. This is because the paragraph mostly contains information that has already been presented in the essay – it is just the repetition of some information written in the introduction paragraph and supporting paragraphs.

The conclusion paragraph only has 3 sentences:

Restatement of thesis
Prediction or recommendation

To summarize, a robotic teacher does not have the necessary disciple to properly give instructions to students and actually works to retard the ability of a student to comprehend new lessons. Therefore, it is clear that the idea of running a classroom completely by a machine cannot be supported. After thorough analysis on this subject, it is predicted that the adverse effects of the debate over technology-driven teaching will always be greater than the positive effects, and because of this, classroom teachers will never be substituted for technology.

Start your conclusion with a linking phrase. Here are some examples:

In conclusion
To conclude
To summarize
In a nutshell

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Some people say history is one of the most important school subjects. Other people think that in today's world, subjects like science and technology are more important than history. Disscuss both these views and give your own opinion.

With a growing population, many people believe that we should focus on producing more gm food. what are the advantages and disadvantages of doing this, some people believe that the earth is being harmed (damaged) by human activity. others feel that human activity makes the earth a better place to live. discuss both views and give your opinion., some people argue that it is best to accept a bad situation, such as an unsatisfactory job or shortage of money. others believe that it is better to try and improve such situations. discuss both views and give your own opinion., some people believe that teaching children at home is the best for child development while others think it is important to go to school discuss both advantageous and giving your own opinion.

Today’s best savings rates
What interest rate policy means for savings rates

Benefits of opening a high-yield savings account now

What to consider before choosing a high-yield savings account

Methodology

Best savings rates today -- save more with a 5.35% apy. why these top savings accounts make sense right now, march 28, 2024.

High-yield savings accounts can boost your earning potential.

Liliana Hall

Associate Writer

Liliana Hall is a writer for CNET Money covering banking, credit cards and mortgages. Previously, she wrote about personal credit for Bankrate and CreditCards.com. She is passionate about providing accessible content to enhance financial literacy. She graduated from the University of Texas at Austin with a bachelor's degree in journalism, and has worked in the newsrooms of KUT and the Austin Chronicle. When not working, she is probably paddle boarding, hopping on a flight or reading for her book club.

Laura Michelle Davis

Laura is a professional nitpicker and good-humored troubleshooter with over 10 years of experience in print and digital publishing. Before becoming an editor with CNET, she worked as an English teacher, Spanish medical interpreter, copy editor and proofreader. She is a fearless but flexible defender of both grammar and weightlifting, and firmly believes that technology should serve the people. Her first computer was a Macintosh Plus.

CNET staff -- not advertisers, partners or business interests -- determine how we review the products and services we cover. If you buy through our links, we may get paid.

Savings accounts are a solid place to stash your cash for an emergency fund or other short-term savings goals. If you’re letting your money sit in a traditional savings or checking account that earns less than 1% annual percentage yield (APY), you’re missing out on interest.

Right now, the best high-yield savings accounts earn up to 5.35% APY, more than 10 times the national savings account average of 0.47%. For interest-bearing checking accounts, that average is even lower, at 0.07%.

Over the last two years, we’ve been able to maximize our interest earnings with savings accounts that earn high APYs. But the clock is ticking. The Fed forecasts three interest rate cuts in 2024, which could bring variable savings rates down.

Read on to learn more about today’s top savings rates.

Key takeaways

Today’s top high-yield savings accounts earn up to 5.35% APY.
The Federal Reserve held rates steady at its latest policy meeting, so savings rates should remain high for the time being.
Opening a high-yield savings account now allows you to get greater returns than you would with a traditional account.

Experts recommend comparing rates before opening a savings account to get the best APY possible. You can enter your information below to see CNET’s partners’ rates in your area.

Today’s best savings rates

Here are some of the top savings account APYs available right now:

What interest rate policy means for savings rates

High interest rates have caught everyone’s attention over the last couple of years. As the Fed steadily raised the federal funds rate 11 times to fight record inflation, borrowing money with a credit card or loan became more expensive. But banks also raised interest rates on consumer products like savings accounts and certificates of deposits.

The Fed opted to leave the federal funds rate unchanged at its last several meetings, maintaining its target range of 5.25% to 5.5%. That means savings rates are likely at their peak.

Here’s where rates stand compared to last week:

Experts expect rate cuts to begin later this year. But after the most recent Consumer Price Index report revealed an uptick in inflation, the timeline for future rate cuts is less clear.

Since savings rates are variable, your APY is likely to go down once the Fed drops rates. Yet even after rates fall later this year, high-yield savings accounts will continue to offer significantly better APYs than traditional ones.

Savings rates have been high for the last few years. And even though the rate environment may shift in the next several months, a high-yield savings account can always be a smart and low-risk savings strategy.

Here’s what makes HYSAs stand out:

High rates: HYSAs often have APYs 10 times higher (or more) than the national FDIC average.
Low or no fees: Monthly maintenance fees can eat into your savings. Many online banks can charge low or no fees thanks to their lower operating costs.
Liquidity: You can access money in your HYSA anytime without penalty (as long as you mind any withdrawal limits). CDs, another popular savings product, charge a penalty if you take out funds before the term is up.
Accessibility: If you open an HYSA at an online bank, you’ll enjoy 24/7 account access through its mobile app. You may also have lots of customer service options, including by phone, online chat and secure messaging.
Low risk: HYSAs are protected by federal deposit insurance if they’re held at an FDIC-insured bank or NCUA-insured credit union. That means your money is safe up to $250,000 per account holder, per account type.

If you’re earning less than 1% with your current savings account -- some big banks offer as little as 0.01% APY -- you don’t have to close your existing account to enjoy higher rates. You can open a new account from an online bank in minutes and set up recurring transfers or direct deposits to start funding it.

What to consider before choosing a high-yield savings account

High-yield savings accounts usually have higher APYs than traditional savings accounts, which help you yield a bigger return. But there are other factors you should consider when choosing the right account for your financial goals.

“Some accounts have mandatory minimums, transaction fees or other charges you might not expect,” said Ben McLaughlin , chief marketing officer and president of digital savings marketplace Raisin. “These hidden fees can chip away at your savings, so be sure you are satisfied with the terms and conditions before opening an account.”

In addition to APY, you should weigh the following when comparing savings accounts:

Minimum deposit requirements: Some HYSAs require a minimum amount to open an account -- typically, from $25 to $100. Others don’t require anything. How much you have to deposit initially can help you narrow down your options.
Fees: Monthly maintenance and other fees can eat into your balance. Avoid unnecessary charges by looking for a bank with low or no fees.
Accessibility: If in-person banking is important to you, look for a bank with physical branches. If you’re comfortable managing your money digitally, look for an online bank with a user-friendly app with all the features you need.
Withdrawal limits: Some banks charge an excess withdrawal fee if you make more than six monthly withdrawals. If you think you may need to make more, consider a bank without this limit.
Federal deposit insurance: Look for a bank that belongs to the Federal Deposit Insurance Corporation or a credit union that belongs to the National Credit Union Administration. Accounts at these institutions are protected up to $250,000 per account holder, per category in the event of bank failure
Customer service: You want a bank that’s responsive and offers convenient support options if you ever need assistance with your account. Read online customer reviews to see what current customers say about their experiences. You can also contact customer service to get a feel for what it would be like to work with the bank.

CNET reviewed savings accounts at more than 50 traditional and online banks, credit unions and financial institutions with nationwide services. Each account received a score between one (lowest) and five (highest). The savings accounts listed here are all insured up to $250,000 per person, per account category, per institution, by the Federal Deposit Insurance Corporation or National Credit Union Administration.

CNET evaluates the best savings accounts with a set of established criteria that compares annual percentage yields, monthly fees, minimum deposits or balances and access to physical branches. None of the banks on our list charge monthly maintenance fees. An account will rank higher for offering any of the following perks:

Account bonuses
Automated savings features
Wealth management consulting/coaching services
Cash deposits
Extensive ATM networks and/or ATM rebates for out-of-network ATM use

An account will rank lower if it doesn’t have a professional-looking website or doesn’t provide an ATM card, or if it imposes restrictive residency requirements or fees for exceeding monthly transaction limits.

A Finance Reporter Who Invests in Readers’ Well-Being

Taxes. Tuition. Cryptocurrency trading. Since 2008, Ron Lieber has answered hard-hitting questions about personal finance as the Your Money columnist.

A man with glasses and a long-sleeve shirt types on a laptop placed on a table. He is seated next to a woman in an orange dress whose face is not visible.

By Sarah Bahr

Times Insider explains who we are and what we do and delivers behind-the-scenes insights into how our journalism comes together.

When Ron Lieber arrived at The Wall Street Journal’s office in 2002 for a job interview, a couple of editors immediately sized him up.

“They said, ‘We know what your beat is: beating the system,’” said Mr. Lieber, who had last worked as a senior writer for Fast Company covering management, design and careers. “And now you’re going to come here and do that for us.”

After helping found the Personal Journal section of The Wall Street Journal and writing a separate money management column, he was hired by The New York Times in 2008 to take over Your Money , a personal finance column. Sixteen years later, he has gained a reputation for offering readers advice — often tinged with his own experience — on headache-inducing issues, like how to navigate the maze of paying for college or prepare for life after a layoff .

“I love introducing readers to characters who they might not think would be the subject of money columns, but who are actually perfectly suited to teach us a thing or three about how the world works,” said Mr. Lieber, whose column appears online and most Saturdays in the Business section.

As a columnist for The Times, he has witnessed two recessions and a pandemic. (In 2009, he even wrote about how his own financial planner had been charged with fraud.) In a recent conversation, he shared the unexpected lessons he had learned in writing the column and the topics he thought might soon dominate the world of personal finance. These are edited excerpts from the conversation.

How did you first become interested in finance?

When I was a high school senior in Chicago applying for financial aid for college, I found my way to Roger Koester , who was an associate director of financial aid at Northwestern University. He had an after-hours side gig in his office; in exchange for $45, he’d explain the whole financial aid system to local families who were trying to understand it. He knew exactly what he was talking about and gave me terrific advice.

It was a reminder that there’s always a grown-up somewhere who knows how to beat the system, and if you can just find that grown-up and ask questions, you can help other people beat it, too. I don’t think of myself as the grown-up, but every week, I still feel like I’m searching for the grown-ups who know the answer to whatever thorny consumer question is bedeviling our readers.

What makes for a good column?

When I think about personal finance, there’s a kind of a Venn diagram of possible topics: things that are really expensive; processes that are really complicated; and decisions where emotions can lead us astray if we aren’t careful. I like to think that when I’m at the center of that diagram, I’ve found the right topic.

And then there’s the matter of voice. The best compliment anyone can pay me is to say that my column sounded like I was there in the room with them, explaining the topic at hand. I want it to feel conversational, and not lecture-y, preachy or didactic. That doesn’t mean it’s always friendly — I try my best to punch up at institutions or entities that can take it and deserve it.

If I can find the right topic, and do it in the right voice, I’ve won the week.

Last month, an article by New York magazine’s financial advice columnist on how she was scammed out of $50,000 went viral. Do you think you would’ve fallen for that scam?

Never say never. I’m constantly telling myself that there’s never a reason to rush to do something right now. There’s pretty much always time to call one or three or five people smarter than you or just calmer than you who will ask you levelheaded questions and try to pull you back from the edge of making a big mistake.

What writers and publications do you read to stay on top of your beat?

I read The Wall Street Journal religiously. I’m a big fan of Ramit Sethi, who’s the author of the book “ I Will Teach You to Be Rich ” and a newsletter writer. I love reading Michelle Singletary , who writes the personal finance column for The Washington Post. And I also really like the attitude and the message of Tori Dunlap , who most people know from Instagram and TikTok.

What trends are you watching?

All of the people who’ve been in the work force for their entire career without a traditional pension are starting to retire, and a lot of them are going to run out of money. The question of what’s going to happen when that happens is deeply concerning.

I’m also interested in all of the work that Conor Dougherty and other Times colleagues have been doing around our inability to build more housing in a reasonable fashion. It’s not clear where and how people in their 20s and even 30s are going to buy homes.

Anything else you want to add?

If people are seeing things in the world that don’t make sense — whether they think corruption needs to be exposed, or if they just want to say, “I can’t be the only one who doesn’t understand this thing, could you explain it?” — it’s so helpful for me to know . Some of the work I’m most proud of started with a reader comment on one of my columns. We’re all in this together, and none of us are as smart as all of us.

Sarah Bahr is a senior staff editor at The Times. She has reported on a range of topics, most often theater, film and television, while writing for the Culture, Styles and National desks. More about Sarah Bahr

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The Perception of Money, Wealth, and Power: Early Renaissance vs. Nowadays Presentation

The presented project is devoted to comparing the perceptions that can be viewed as dominant for Early Renaissance and modern people. In particular, the perceptions related to the topics of money, wealth, and power are of interest. This project can provide insights into the evolution of mindsets and improve our understanding of modern views.

Topic Review and Bibliography

Brucker (2015): Renaissance money and power (Florence).
Burke, Clossey, and Fernández-Armesto (2017): European Renaissance: cultural impact on values.
Cohn (2012): Renaissance possessions.
Huber (2016): Renaissance money and art.
Petrocchi (2017): Renaissance business.
Huey-ling (2015): money in Renaissance literature; contemporary perspective.
Salvatore (2013): Medici: wealth and power.
Strathern (2016): Medici: money and art.

This slide describes some of the modern literature that will be employed in the project. For example, Brucker (2015) discusses the Renaissance notions of money and power in Florence. Similarly, Burke, Clossey, and Fernández-Armesto (2017) focus on the European Renaissance values in general. Also, the authors demonstrate the fact that Renaissance values may have been influenced by culture. Cohn (2012), Huber (2016), and Petrocchi (2017) discuss money and wealth to some extent: in the form of possessions or business in general and in relation to art.

Strathern (2016) also considers the relationship between money and art, using the House of Medici as an example. Salvatore (2013) also considers the House of Medici and related values of wealth and power. Finally, Huey-ling’s (2015) work introduces the modern perspective on the topic of money in Renaissance literature.

Conclusions

Renaissance is better-researched.
Power: not a worthy pursuit; humility and power; more upheavals.
Money: can be used for evil or good (art).
Wealth: attachment to possessions; Black Death-related interest in balancing secular and spiritual.
Led to consumerism?

In sum, it seems that the topic of Renaissance values is well-researched, but they are rarely compared to the modern-day perspective. Still, some conclusions can be drawn from the information provided. For example, in the Renaissance period, power was a questionable pursuit and could be viewed as less stable due to more frequent upheavals (Salvatore, 2013). Also, Salvatore (2013) reports that the period’s population saw a connection between humility and power, suggesting that the former can be the basis of the latter. This view appears to be rather foreign to the modern world.

According to Huber (2016), the concept of money in the Renaissance era included the perception that it could be used for good or evil, and the good usage of money could be related to artist encouragement. As for wealth, Cohn (2012) highlights the importance of the aftermaths of the Black Death for the people of Renaissance: the tragedy taught them to be attached to their possessions and seek a balance between secular and spiritual life. In general, the above-mentioned perceptions on money and wealth are rather familiar to the modern people and might have been connected to the more modern mindset of consumerism. The search for such similarities and differences is the aim of the project.

Methodology

Qualitative design.
Data collection: literature review and analysis (Renaissance); interviews (modern).

The project is going to work with qualitative data, which is why its design is qualitative. The data collection tools will be defined by the specifics of the data: the Renaissance information is likely to be gleaned from literature reviews and analysis, but modern information can be gathered from interviews with modern people.

Renaissance data collection → Modern data collection → Analysis.

The plan of the work involves two stages of data collection (one for each period) and their analysis. Before the process, the project plan will be finalized and approved; after it, the final report will be prepared.

Results and Implications

Focus on similarities and differences.
Outcome: improved understanding of concept evolution and their effects on human lives.

The results of the project will focus on the similarities and differences that can be spotted between the periods and their values. These results will be employed to enhance our understanding of the evolution of the mentioned concepts and the effects of the Renaissance period on modern perceptions.

Brucker, G. A. (2015) The civic world of Early Renaissance Florence . Princeton, NJ: Princeton University Press.

Burke, P., Clossey, L., & Fernández-Armesto, F. (2017). The global Renaissance. Journal of World History , 28 (1), 1-30.

Cohn, J. S. (2012). Renaissance attachment to things: Material culture in last wills and testaments. Economic History Review , 65 (3), 984-1004.

Huber, R. (2016). Oh death: Death, dying, and the culture of the macabre in the late Middle Ages . Web.

Huey-ling, L. (2015). The social meaning of money in Dekker’s The Shoemaker’s Holiday and Shakespeare’s The Merchant of Venice. Comparative Drama , 49 (3), 335-366.

Petrocchi, A. (2017). Mercantile arithmetic in Renaissance Italy: A translation and study of a vernacular abbaco work. Ceræ : An Australasian Journal of Medieval and Early Modern Studies , 3 , 1-30.

Salvatore, C. (2013). “God, power and money:” Did Cosimo de’Medici deceive Renaissance Florence? Intersedes , 14 (29), 180.

Strathern, P. (2016). The Medici: Power, money, and ambition in the Italian Renaissance . New York, NY: Pegasus Books.

Chicago (A-D)
Chicago (N-B)

IvyPanda. (2022, June 18). The Perception of Money, Wealth, and Power: Early Renaissance vs. Nowadays. https://ivypanda.com/essays/the-perception-of-money-wealth-and-power-early-renaissance-vs-nowadays/

"The Perception of Money, Wealth, and Power: Early Renaissance vs. Nowadays." IvyPanda , 18 June 2022, ivypanda.com/essays/the-perception-of-money-wealth-and-power-early-renaissance-vs-nowadays/.

IvyPanda . (2022) 'The Perception of Money, Wealth, and Power: Early Renaissance vs. Nowadays'. 18 June.

IvyPanda . 2022. "The Perception of Money, Wealth, and Power: Early Renaissance vs. Nowadays." June 18, 2022. https://ivypanda.com/essays/the-perception-of-money-wealth-and-power-early-renaissance-vs-nowadays/.

1. IvyPanda . "The Perception of Money, Wealth, and Power: Early Renaissance vs. Nowadays." June 18, 2022. https://ivypanda.com/essays/the-perception-of-money-wealth-and-power-early-renaissance-vs-nowadays/.

Bibliography

IvyPanda . "The Perception of Money, Wealth, and Power: Early Renaissance vs. Nowadays." June 18, 2022. https://ivypanda.com/essays/the-perception-of-money-wealth-and-power-early-renaissance-vs-nowadays/.

Huey Long Biography: Main Issues
Political and Social Conflicts and Ling-Ling’s Perception of Life in Shanghai
Postcolonial Translation: Robinson, Cohn and Raj' Views
Cox Broadcasting Corporation vs. Cohn's Case
Lorenzo de Medici's Life and Influence on High Renaissance Art
Laura Cohn: The Hidden Cost of Stock Options
Revolutionary Upheavals of the 1770-80s in America and France
Analysis of the three Documents
Ronald Cohn’s Lab
The Political Landscape of America
Witch-Hunt in Europe During the Middle Ages
History. Romantic Love from the Medieval Period
Medieval and Renaissance Art Religious Style and Propaganda
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The 'bizarrely' overvalued stock market is poised for a big correction and the smart money is moving into cash, chief strategist says

Indicators are pointing to a major correction coming for stocks, market strategist Paul Dietrich says.
The B. Riley Wealth chief investment strategist says the market is "bizarrely overvalued."
The "smart money," according to Dietrich is moving money into cash.

The stock market looks "bizarrely" overvalued and indicators are pointing to a big correction on the way, according to Paul Dietrich, chief investment strategist of B. Riley Wealth.

Speaking to Yahoo Finance , Dietrich pointed to a handful of indicators in the market, which are all flashing a collective warning sign for stocks.

Red flags are arising in the price-to-earnings ratio of the S&P 500, and multiples mirror levels seen prior to the dot-com bubble crash.

"Every single indicator seems to tell us we're in a historic, historic bubble," Dietrich said. "It's hard to look at that and say that we're not going to see a major, major correction coming. Now is not the time to be putting new money in the market," he warned.

The biggest indicator of a coming correction is "smart money" investors, who are moving out of the stock market and into safer cash equivalents, Dietrich said. He pointed to recent stock sales from billionaires like Jeff Bezos , Warren Buffett , and the Walton family , the heirs to the Walmart empire, as a sign big investors sense the market is poised to correct.

While sales by insiders or big shareholders are often scheduled in advance , they can also be a sign that investors are concerned the market is approaching a peak, Dietrich suggested.

"There's just no ambiguity here. It is bizarrely overvalued," Dietrich said of the stock market. "You're seeing the smart money right now moving massive amounts into cash … It's not that they don't believe in their companies. They do. They know it's just completely overvalued and if they sell it now, they can buy it back cheaper later."

It's unclear what could trigger a coming stock correction, Dietrich said, noting that prior crashes, like the one that preceded the 2008 crisis, were sparked by unpredictable, Black Swan events . A spike in oil prices as a result of geopolitical conflict , or more regional banking troubles stemming from the commercial real estate sector, could set the downfall for stocks in motion, he speculated.

Dietrich has cast himself among the most bearish of Wall Street forecasters at a time when most investors are still feeling bullish about stocks and the economy. Previously, he predicted that the stock market could crash as much as 40% if the US encounters a mild recession.

Main content

Watch CBS News

Trump's bond is now $175 million in fraud case. Here's what the New York attorney general could do if he doesn't pay.

By Katrina Kaufman , Graham Kates

Updated on: March 25, 2024 / 7:46 PM EDT / CBS News

Former President Donald Trump and other defendants in his fraud case won an appeal Monday to have their bond reduced , requiring them now to put up $175 million within 10 days to pause enforcement of a $464 million judgment against them . If Trump fails to post bond, it could leave some of his prized real estate and other assets vulnerable to seizure by the state.

The bond was lowered from $464 million on the day that a 30-day grace period for payment expired. New York Attorney General Letitia James had indicated her office would pursue Trump's assets if he failed to post bond.

"If he does not have funds to pay off the judgment, then we will seek judgment enforcement mechanisms in court, and we will ask the judge to seize his assets," she said during a February interview with ABC News.

Attorneys for Trump wrote in a March 18 filing in the case that it was a "practical impossibility" for the defendants to secure such a large bond.

"Very few bonding companies will consider a bond of anything approaching that magnitude," wrote the lawyers, Alina Habba, Clifford Robert, Christopher Kise and John Sauer. They noted that surety providers often require collateral up to 120% to guarantee the bond, driving the amount Trump might need over $500 million.

Trump claimed to have nearly $500 million in cash in a Truth Social post on March 22. In depositions and testimony in 2023, he claimed to have between $300 and $400 million.

JD Weisbrot, managing director of the surety operation at Risk Strategies, said Trump's options for amassing the full $464 million were "frankly very limited."

"The issue is that this type of bond is very hazardous in nature to a surety company. And why is that? It's a demand instrument, the bond guarantees that in the event that the defendant loses the appeal, that the sum be immediately made available to the plaintiff," Weisbrot said.

As a result, Weisbrot said surety companies want liquid assets as collateral, specifically cash or a letter of credit, and not hard assets like real estate.

The judgment stems from a civil case in which a judge found Trump and others connected to his company liable for a decade-long scheme to use falsified real estate and net worth valuations to obtain favorable loan and insurance rates. The judge concluded Trump and others gained more than $364 million through the scheme.

Bruce Lederman, an attorney who specializes in real estate law for the New York firm DL Partners, said James' office has a range of options to choose from in its effort to enforce the judgment if Trump fails to post bond.

Once the deadline passes, "the attorney general can start enforcement proceedings, which could include sending restraining notices, could include sending executions to the sheriff for real property, could include tying up security accounts, could include sending notices to companies that they can't make any payments to Donald Trump personally, or any of the children, the boys, against whom judgments are entered," said Lederman, referring to Trump's adult sons Eric and Donald Trump Jr.

To execute on Trump's real property, James could get judicial liens against the properties. In New York, the process to sell a property takes 63 days. The sheriff's office must publicly post notice of sale in three places in the town or city where the property is located, and the notice must be published four times throughout that period. After 63 days, there is a sheriff's sale, typically on the courthouse steps.

However, untangling the web of ownership of some of Trump's properties may be challenging. In the event of sale, there are also loans and mortgages that could impact how much the state can even collect - not to mention the disputed valuation of Trump's properties, an issue that was at the heart of the civil fraud trial.

For properties located outside of Manhattan, James has to enter the judgment with local jurisdictions — even those as near as suburban Westchester County, New York, where her office registered the judgment on March 6.

"The New York judgment can be filed in any state and is then entitled to full faith and credit under the Constitution," said Lederman, who noted that Trump's Mar-a-Lago club might be more complicated to seize than other properties. "Enforcement rights in other states would be based upon the law of the state where property is located. For example, Florida does not allow a sale of a primary residence."

Adam Pollock, a former New York assistant attorney general, said a restraining notice would limit Trump's ability to spend freely.

"A restraining notice … says, 'Don't spend money, don't transfer any property, until you pay us.' And for good reason. You shouldn't be out, you know, fueling up your jets with $20,000 of gas, when you owe the people in the state of New York nearly $500 million," said Pollock.

Pollock said James' office could get a bank execution and give it to a New York sheriff or marshal, who can then walk into a bank branch and drain Trump's account. A bank normally has to wait at least 27 days to turn over the money in an account — unless the plaintiff is the state of New York, in which case, the bank is supposed to transfer the funds immediately.

James can also sign an execution forcing Trump to turn over his personal property.

"If I have a judgment against you, I get to take any property I can find of yours. Whether it's your Rembrandt, your Rolls Royce, or your iPad, or like your 500 LLCs that you happen to own," said Pollock.

Trump, the presumptive Republican nominee for president, could ultimately end up among the one in 100 Americans whose pay is withheld so creditors can collect.

Adam Kaufmann, an attorney at Lewis Baach Kaufmann Middlemiss, said the state could garnish Trump's income and revenues from the Mar-a-Lago Club, for example.

"You could have a president of the United States having his wages garnished by a creditor," Kaufmann said.

Donald Trump

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‘Old-fashioned embezzlement’: where did all of FTX’s money go?

Sam Bankman-Fried oversaw its collapse – now the crypto firm is in bankruptcy proceedings as contentious as his fraud trial

S am Bankman-Fried, former CEO of the bankrupt cryptocurrency exchange FTX , presided over a spectacular collapse that cost his customers billions of dollars. He argues in court filings that anyone owed money by FTX “will eventually be paid in full”. The US government says he’s living in a fantasy land. He was sentenced to 25 years in prison on Thursday.

Last week, FTX’s caretaker, John Ray III, appointed to oversee the company’s bankruptcy proceedings, reminded the court that Bankman-Fried had masterminded a “colossal fraud”, lived a “life of delusion”, and called Bankman-Fried’s lawyers’ claim that no one had been harmed as “categorically, callously, and demonstrably false”.

Bankman-Fried was sentenced after being convicted of fraud and conspiracy to launder money in the multibillion-dollar collapse of his cryptocurrency exchange. If given the maximum penalty, he would have faced 100 years in prison. His lawyers asked for a six-year sentence. The US government wanted to see the 32-year-old ex-CEO, who defrauded his own customers out of $8bn, sentenced to 40 to 50 years.

Attorneys for the Department of Justice argued that Bankman-Fried’s sentencing submission shows attempts “to reframe his crimes as mere mistakes or misunderstandings” – and if released at a young age there is “significant likelihood” he would commit another fraud.

Judge Lewis Kaplan doled out two and a half decades to Bankman-Fried. But even as the hubbub over the founder of FTX crests and then subsides, the bankruptcy proceedings of the cryptocurrency exchange are heating up, becoming as contentious as Bankman-Fried’s blockbuster trial. They are likely to continue long after he reports to prison.

FTX: new technology, old-fashioned embezzlement

The crypto entrepreneur laid a smokescreen, spending millions of customer funds on his lifestyle, drawing in politicians and celebrities with donations and endorsement deals, and fronting a pseudo-philosophy of effective altruism that boiled down to the greater the profits, the greater the good.

Last year, Ray testified to Congress that FTX’s collapse was “really old-fashioned embezzlement. This is just taking money from customers and using it for your own purposes.” Justice department prosecutors echoed his statements in the immediate aftermath of Bankman-Fried’s conviction.

At trial, the court heard from an accounting expert who said that $11.3bn in customer funds were supposed to be held at Alameda Research, FTX’s hedge fund arm. But only $2.3bn could be located. The rest had gone toward investments, political contributions, charity foundations and real estate purchases. FTX, remarkably, had left almost no records of transactions.

“The harm was vast. The remorse is non-existent. Effective altruism, at least as lived by Samuel Bankman-Fried, was a lie,” Ray said in a recent court submission, adding that he and his team had spent “over a year stewarding the estate from a metaphorical dumpster fire”.

At Bankman-Fried’s sentencing hearing, Kaplan agreed. He said FTX’s customers had lost some $8bn and that its investors had lost $1.7bn.

Who gets paid in FTX’s bankruptcy, and how?

FTX collapsed over 10 days in November 2022 and soon after filed for Chapter 11 bankruptcy – a statute used to reorganize a failing company “in the public interest”. FTX’s exchange, its main product, was not so much reorganized as shut down.

On 31 January, FTX announced it would not reopen its exchange and would instead liquidate all its assets. It has promised to pay its account holders the value of the deposited crypto in dollars.

A series of civil lawsuits have challenged decisions made in the handling of FTX after Bankman-Fried’s departure, however. The company says it will pay creditors based on the value of their cryptocurrency at the time of FTX’s bankruptcy, when bitcoin was trading at just over $17,000. Bitcoin is currently four times more valuable, trading at over $67,000 – one of the main reasons FTX’s representatives say they can pay customers back. Plaintiffs in the suits argue FTX owes them the higher value, though.

Bankman-Fried invested $500m in the AI startup Anthropic when it was valued at $3.4bn. It’s now valued at about $15bn, and FTX plans to sell the stake for some $884m .

In a lawsuit filed in January, four FTX creditors said the plan to return customer funds did not reflect the company’s obligations under Chapter 11 bankruptcy law. Some have objected to their crypto holdings being converted to dollars – “dollarization” – and the transparency that would come with it.

Last week, Ray pushed contentions about visibility aside. The CEO said he could not return the crypto assets because they don’t exist. “A jury has concluded beyond a reasonable doubt that Mr Bankman-Fried stole them and converted them into other things,” he wrote in a court filing.

Kaplan also rejected Bankman-Fried’s argument that customers could be paid back, and compared the former billionaire to “a thief who takes his loot to Las Vegas”, saying that Bankman-Fried was not entitled to leniency by trying to use his winnings to pay back what he stole.

Moreover, FTX bankruptcy claims have become a hot commodity, with the London-based distressed asset investor Attestor buying up the company’s assets at rock bottom prices. Attestor is now in a New York court defending itself from a Panamanian holder of an FTX account who wants the bankruptcy claim – now worth more than double – back.

FTX shareholders get zilch

One class of creditor is unlikely to see any of their money returned: FTX shareholders. Millions of shares were held by Tiger Global management, the Ontario teachers’ pension plan, Sequoia Capital, New England Patriots owner Robert Kraft, NFL quarterback legend Tom Brady and his ex-wife Gisele Bündchen, who both advertised for the company. Their stakes , once valued at tens of millions, are assumed to be worthless.

The bankrupt FTX has likewise had little success clawing back the charitable and political donations Bankman-Fried made, including $44.6m to Democratic candidates and causes, and at least $23.9m to Republicans in the last election cycle. In total, FTX dished out of $93m in political donations between March 2020 and November 2022. In February 2023, the exchange asked for its donations to be returned, claiming it would sue, but has not followed through with the threat.

But some of the beneficiaries of FTX’s PR largesse, designed some claim to influence regulations around crypto, have returned their donations: New York’s Metropolitan Museum of Art returned $550,000 it received from FTX in 2022. Stanford, where Bankman-Fried’s parents work as law professors, pledged to return a $5.5m donation.

Academics raise questions about FTX’s bankruptcy

A recently published academic paper claims that FTX was placed in the hands of legal counsel, Sullivan & Cromwell, which had “undisclosed potential conflicts of interest” in its dealings with the company and Bankman-Fried “due to apparent errors, omissions and deceptions”.

Law professors Jonathan Lipson at Temple University and David Skeel at the University of Pennsylvania contend that “FTX is a cautionary tale about the power that lawyers have to frame, control, and profit from” claims about the public interest and that the bankruptcy included “bargain-basement asset-sales to favored insiders”.

In their paper, the academics called for an independent examiner to look at how the precipitous bankruptcy was handled.

“It doesn’t appear from the public record that they made any serious effort to restart the exchanges,” Lipson told the Guardian. “Sullivan & Cromwell had an unusually long and important relationship with FTX and with Bankman-Fried before bankruptcy, so our concern is that the appearance of a conflict of interest caused them to panic and mislead Bankman-Fried into giving up control of the company, which then may have distorted the criminal case and hurt depositors and creditors.”

‘His redemption narrative’

In a text exchange with the Vox reporter Kelsey Piper , Bankman-Fried appeared to diminish the underpinnings of the effective altruism ideology he once championed.

“I feel bad for those who get fucked by it, by this dumb woke game westerners play where we say all the right shibboleths and so everyone likes us.”

Last month, Bankman-Fried replaced his trial lawyer with Marc Mukasey, who has represented Donald Trump, and Alex Mashinsky, the former CEO of the bankrupt cryptocurrency exchange Celsius, another mogul accused of fraud. Mukasey has described Bankman-Fried as a hard-working billionaire who avoided the trappings of great wealth and fame, and whose brusque social manner could be ascribed to “neurodiversity”.

In January, the Yale Law professor Ian Ayres and the Stanford Law professor John Donohue, two friends of the Bankman-Fried family, published an essay in Project Syndicate making the argument that FTX had sufficient assets to make its customers whole.

And Daniel Chapsky, the former head of data science at FTX, wrote that Bankman-Fried was only interested in helping bankruptcy lawyers and had “worked almost around the clock, to the point of exhaustion”.

But the government has pushed back on those efforts. “The point is that the defendant is motivated to launch his redemption narrative and has already been thinking about how to spin it. It is realistic that he will settle on a narrative, lean into it, and convince other people to part with their money based on lies and the promise of false hope,” prosecutors said in a filing.

At his sentencing, Bankman-Fried’s redemption narrative was unsuccessful. He said he was “sorry about what happened” and that he had made “a series of bad decisions”, but Judge Kaplan still called him remorseless, castigating him for “never a word of remorse for the commission of terrible crimes”.

Sam Bankman-Fried
Cryptocurrencies
Chapter 11 - corporate bankruptcies

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There are lots of money essay topics for students to explore. You might want to focus on the issue of money management or elaborate on why money is so important nowadays. Other exciting topics for a money essay are the relation between money and love, the role of money in education, etc. Below you'll find a list of money topics to write about!
'Miles Walked, Miles Driven': This Year's College Essays About Money
A typical Tuesday bleeds into a typical week, adding up to a total of over 600 miles. Nearly three hours each day before I add in school, work, swimming and commitments as a brother, as a son ...
What is the future of money?
Money changes societies, and societies change money. This is how it has always been and will continue to be. When money was "born," the population of our planet was around 2 million. Today, there are over seven billion of us. The system is under pressure because of an increased demand for money. A massive demand for financing is created ...
Chaos, Injustice and Joy: This Year's College Essays About Money
In The New York Times's 10th year of publishing teenagers' college application essays about money, work, social class and other related topics, all four writers grappled with these questions ...
Essay on Money for Students and Children
500+ Words Essay on Money. Money is an essential need to survive in the world. In today's world, almost everything is possible with money. Moreover, you can fulfill any of your dreams by spending money. As a result, people work hard to earn it.
From the Heart to Higher Education: The 2021 College Essays on Money
Each year, we ask high school seniors to send us college application essays that touch on money, work or social class. Here are five from this year's incoming college freshmen. Robert Neubecker ...
138 Money Essay Topics to Write about & Money Research Topics
The author tries to bring out the foolish things people do with their money. Money Supply in the United States. This essay discusses the money supply, what constitutes it, and the current supply in the US. It will also examine how the COVID-19 pandemic affected the M2 supply in the country.
≡Essays on Money. Free Examples of Research Paper Topics, Titles
Why Money Rules The World. 1 page / 521 words. Money makes the world go round. Throughout history, money has been the driving force behind human progress and development, shaping economies, societies, and political landscapes. This essay aims to explore the reasons why money rules the world and its implications.
Essay on Money
500+ Words Essay on Money. Money is any object or record that is generally accepted as payment for goods and services and repayment of debts which also acts as a standard of deferred payments. The main functions of money are distinguished as: a medium of exchange, a unit of account and a store of value. The money supply of a country consists of ...
Essay on Money
10 Lines on Money Essay. Money is the only trustworthy and convenient way of trade. The money we use is guaranteed and backed by our government. Money, collected in the form of tax, helps us create a better environment for us. Earning money will give people hope and direction to lead a happy life.
Money Evolution in Ancient Times and Nowadays
Weber, M. (2012). The Protestant Sects and the Spirit of Capitalism. New York, NY: New York University Press. This assessment, "Money Evolution in Ancient Times and Nowadays" is published exclusively on IvyPanda's free essay examples database. You can use it for research and reference purposes to write your own paper.
Saving Money: Approaches and Importance
Approaches to Saving Money. Saving money involves a combination of disciplined strategies and prudent decision-making. Several approaches can help individuals build a solid financial foundation: Budgeting: Creating a budget is a fundamental step in effective money management. It allows individuals to track their income and expenses, identify ...
The Importance of Saving Money: [Essay Example], 893 words
Saving money is a crucial practice that can lead to financial stability, debt reduction, and opportunities for investment. It is essential for individuals to prioritize saving money as part of their financial strategy. By building an emergency fund, avoiding debt, and pursuing investment opportunities, individuals can secure their financial ...
Essay on Value of Money
Students are often asked to write an essay on Value of Money in their schools and colleges. And if you're also looking for the same, we have created 100-word, 250-word, and 500-word essays on the topic. ... It suggests that money available now is worth more than the same amount in the future due to its potential earning capacity. This ...
Essay on Money
2. This essay sample was donated by a student to help the academic community. Papers provided by EduBirdie writers usually outdo students' samples. Cite This Essay. Download. Money has a major role in the Development of society often times, people say that they can live without money. They define money as just one of the tools that enhance ...
Money Development From 600 BC to Nowadays Essay
Money Development From 600 BC to Nowadays Essay. It is arguably true money has an insatiable desire. Marx and Engels condemn money as a means of capitalist exploitation, Lenin wished for a moneyless world. The Nukka Makku people of Amazon forest recently lived as hunter-gatherers did not use money. The ancient Inca Empire plenty of gold and ...
12 Powerful Essays on Money [ Importance, Value, Power ]-2024
Essay on Money, value, role & power of money, short & long essays with outline, quotes, images, for high school & college level students. ... With the introduction of money, individuals could now sell their products or services for money and then use that money to purchase other goods or services they needed. This made trading much more ...
The Value Of Money English Literature Essay
The Value Of Money English Literature Essay. Probably, most people have lived situations which money played a fundamental role. Maybe an illness like cancer is an evident reason to need money. Also, there are basic needs of daily life, such as food, house, studies, locomotion, clothes, etc. Those needs require spending money to cover them to ...
money nowadays essay
Essay on Power of Money in Life. One cannot imagine a healthy and peaceful life without money. We need money even to buy a single needle. Nowadays, when... Money is clothing. Money is life. Most people think that you can get by in life without money, but in fact you need money for all things to survive comfortably....
IELTS Essay # 1205
Essay topic: Nowadays plastic money replacements such as credit and debit cards are extremely popular, even more than banknotes and coins. Discuss the advantages and disadvantages of this. Using plastic money, including debit and credit cards instead of cash, offers significant benefits to us such as convenience and safety. However, their ...
Money moves to make in your 20s to be more successful
With the average American retiring in their early 60s, it can seem odd to begin stashing away cash for a phase of your life that's almost four decades away.. But time is on your side, and your 20s ...
Youth nowadays spend a lot of money
Nowadays, with an increase in an overall income for most of the individuals especially youth, most of people prefer to spend money extravagantly rather than saving it. This essay addresses the possible causes for the problem also suggests whether it is a positive or negative development | Band: 4.5
Today's best savings rates
Right now, the best high-yield savings accounts earn up to 5.35% APY, more than 10 times the national savings account average of 0.47%. For interest-bearing checking accounts, that average is even ...
The Your Money Columnist Answers Questions About Finance and His Job
Taxes. Tuition. Cryptocurrency trading. Since 2008, Ron Lieber has answered hard-hitting questions about personal finance as the Your Money columnist.
Pulling together: how Cambridge came to dominate the Boat Race
The race along the River Thames between England's two greatest universities spans 195 years of rivalry and is now one of the world's oldest and most famous amateur sporting events. Our ...
The Perception of Money, Wealth, and Power: Early ...
This presentation, "The Perception of Money, Wealth, and Power: Early Renaissance vs. Nowadays" is published exclusively on IvyPanda's free essay examples database. You can use it for research and reference purposes to write your own paper.
Stock Market Outlook: Correction Looms As Stocks Are 'Bizarrely' Overvalued
Now is not the time to be putting new money in the market," he warned. Advertisement. The biggest indicator of a coming correction is "smart money" investors, who are moving out of the stock ...
Trump's bond is now $175 million in fraud case. Here's what the New
Trump fraud trial bond reduced to $175 million 02:43. Former President Donald Trump and other defendants in his fraud case won an appeal Monday to have their bond reduced, requiring them now to ...
'Old-fashioned embezzlement': where did all of FTX's money go?
It's now valued at about $15bn, and FTX plans to sell the stake for some $884m. FTX scraps plan to revive exchange and will repay billions to customers Read more

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5. An Introduction to Saving Money by Jeremy Vohwinkle