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friday1econlive · 4 years

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19 Observations I made during Covid-19 - Bobby Xiao

1. I’ve been trying very hard to get vaccinated recently, however after contacting the health departments and local drug stores. I found out that the elderly and health workers have an advantage of getting the vaccine first. Me, a young student is ineligible to get vaccinated early and have to wait for more vaccines to arrive. This is a case of scarcity, since there are only limited amounts of vaccines available.

2. The supplies of covid-19 vaccines are limited and the demand for it is very high, almost everyone. In this case it leads to a shortage of vaccines and leads to an equilibrium that’s below ideal. I would be considered one of the people that demands for a vaccine but cannot be supplied.

3. When the pandemic had just begun, everyone was mandated to quarantine at their home. It led to a high demand for toilet paper. Every local marketplace ran out of supplies of toilet paper. This is an example of demand shock, during normal times toilet paper has sufficient supplies however because of a sudden change in demand, it led to a shortage.

4. Another example that I observed and similar to observation number three is in the case of oranges. The regular price of oranges before the pandemic was about 52 cents, however during the beginning of Covid-19 the price went up almost 130% to about 67 cents. This was caused by health organizations suggesting oranges have nutrients that empowers the immune system and protect ourselves from diseases. As people heard this, the demand for oranges became higher and there’s not enough supply for oranges. Which caused the drastic increase in price and this is also a case of demand shock.

5. When I go out of my home to a public place, I am required to wear a mask by law. Masks have been a necessity during the pandemic. Thus, the price of masks have gone up. This is a case of masks being inelastic, since the price of masks varies during normal times vs. pandemic times and despite the increase in price for masks, the demand is still high.

6. When masks are needed for anywhere that I go, it is something that cannot be replaced with during Covid-19, which makes it a case of necessity good, and it is considered a type of normal good.

7. Sellers for masks increased all prices for masks during the beginning of the pandemic when everyone started purchasing them. In this case, masks are scarce goods and sellers change the price of the goods because change in supply and demand causes the seller to adjust to the market. For example if the price of masks are $5 and everyone demands it, the seller would sell all of them. If the price were $20, since everyone is still demanding it, the seller would be able to make 4 times the profit by adjusting the price.

8. As I received my new masks I paid a high price for from Amazon, I can’t help but notice that they were made in China and Vietnam. Which made me wonder why an American website would sell products that were imported from another country and why China or Vietnam would export these products out to other countries such as the United States.

9. As I did further research on the topic of observation number 7, I realized that the average labor for China and Vietnam is a lot lower than the United States. Which gives countries such as China and Vietnam an absolute advantage when it comes to producing masks for the price of labor is much lower.

10. My friend Robby who lives in Mexico visited me during Covid-19, he told me that the price of the flight was three times cheaper than it used to be. This is because the demand for flights is low during the pandemic, which leads to a surplus and causes the price of flights to decrease.

11. When Robby was visiting me during the pandemic, we went out to a restaurant and Robby forgot to bring his mask. We had to wear masks to enter the restaurant: coincidentally I forgot my wallet, but I had an extra mask. So I gave him a mask and he paid for my meal, both of us benefited from this trade. I was able to dine for free and he was able to dine. This is a case of trades can make everyone better off.

12. During Covid-19, the United States government started an emergency unemployment program that gave people who lost their jobs caused by the pandemic a temporary fund. The government was able to give out a large amount of funds through its tax revenue and money printing.

13. When the new president Joe Biden and Kamala Harris ran for office, he planned a lot of new policies to make for helping the people struggling because of the pandemic. One of their policies was to raise the minimum wage to $15 an hour. After learning in Economics, I realized that this policy could potentially cause inflation, especially in states that have much lower minimum wage at the moment. For example, in Texas, the current minimum wage is $7.25, this new policy would more than double Texas’ minimum wage which could cause more unemployment and rise in prices.

14. As a college student, a policy that affects me by far the most is the pause in student loan payments. This was a policy made during Covid-19 to help students relieve their finances. In this case, the loans are delayed and the interest rate would be different because of the delay.

15. Not only were people able to get unemployment benefits and funds, some small businesses were able to get benefits from the government as well. Since small businesses such as restaurants were forced to close, and many businesses failed during the pandemic. This is a case of market failure, and the government intervenes by supporting them with funds.

16. I moved in as a first year student to University of California Irvine, and after receiving my first bill from the financial aid office. I realized that the price for college didn’t change because of the pandemic, although everything is online instead of in person. Supposedly the price should decrease, however the price remained the same because college tuition is inelastic: people go to college to get the degree and education, so however the price - the demand remains the same.

17. At the moment, I thought the prices were unreasonable for online classes. So I was thinking about taking a gap year for my first year of college and return when there’s in person classes. However after further thinking, I evaluated my opportunity cost for taking a gap year wouldn’t be worth it, since I will be graduating one year late and it would cause me to have a beginning level job at a later age.

18. The concept of opportunity cost has been in my head many times during the pandemic. Another case that involves this concept is the school’s weekly mandatory covid test: if I were not to take it, I get to have one more hour every week, and I will have extra time to work on my homework. However if I don’t take the covid test, I’ll not be able to eat at the dining hall since it requires me to show proof of my covid test. The price of food is expensive at University of California Irvine, so I would be losing a lot if I were to choose not to take the covid test.

19. As I researched the amount of students enrolled in University of California Irvine, I realized that not only the school didn’t decrease in the amount of new students enrolled, it increased. This was highly surprising to me since I thought a lot of students would choose not to enroll in the school because nothing is in person. This is because colleges are in a monopolistically competitive industry, all of them provide a product of education but none of them are identical. Which explains why it is highly inelastic.

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cyberdelusionphilosopher-blog · 6 years

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I just bought Home owners insurance through a company that shall not be named. While going over my coverage I asked should I photograph all my things and she said no. I said what if I don't have my receipt because I got it on trade or something, don't have a bill of sale or something and she directly told me: don't worry, you don't need an inventory of your property. A friend of mine at work said he had a gun stolen from his truck recently and they denied his claim because he didn't register the gun/have a receipt. We like to trade guns and keep our business our own, so an inventory seems logical.... I think if something gets stolen from me their going to not cough up any money on grounds that I don't have proof I had it. They allowed to do this? Tell me don't inventory my crap and then not pay me because I didn't?""

Minor car accident (not at fault) - should I go to my insurance or small claims court?

I was wondering if anyone could give me some advice. Last week I was involved in a minor car accident. I was at a stop light and the car behind me decided they could not wait and they tried to get by my car to make a left turn. They did not have enough room and scraped against my car with theirs. No one was hurt and no police were called. We pulled over and I got their name, phone number and address. They did not give me their insurance information and said they'd like to settle outside insurance because there are only scratches. I know it was stupid but I said okay. Also I do not have the license plate number of the car. I thought I wrote it down but I did not (I understand this is a big mistake on my behalf). We made contact over phone throughout the week and discussed repairs but suddenly they stopped answering my calls. I believe they are avoiding me. Now I am at a loss of what to do. Should I take this issue up with my insurance (at the risk of raising my premiums) or should I take this to small claims court? In either case I do not have the car's license plate so if it isn't their car will that be insufficient evidence to prove they are at fault (my word against theirs)? Thank you in advance for all your answers.""

How to lower my auto insurance?

Ok so I bought my 2004 volvo S60 2.5T AWD on 05/11/2011 and the insurance is killing me. I'm 20 years old and had my license for 2 years. I know it goes down when you've had your license for 3 years but that won't help right now. I'm with GEICO right now paying 371.00 a month! I know and this is actually the cheapest insurance company I was able to get!! My last payment will be on 10/11/2011 and then I will have to start a new policy. However I called them and asked them if my rate will go down once I renew with them, and they said no...... Well I did a new quote online and my rate would be $318 a month so I don't know why they keep telling me it won't change!!!!! So my question is can my mom get the insurance even though it's my car?""

I got a court date for not having a car insurance and I was cought in a parking lot?

Hi guys well I was cought by a cop cause my temp pleate was expired and did not have an insurance and I got these two ticket in a mall parking lot here is how the police saw me ( my car was parked in a parking near the minestry office from the past 2 weeks and I just went to start the car so the battery don't run out of charge, and just on the other side of this parking lot there was a coffe shop on the other side of the road which is a mall aria but to get there I had to cross a main road which Im guessing is a 50 meters crossing, so ofcorse the officer saw me on the main road and I turned in the parking lot and he stoped me there) so any one there can help me out how to get out of this mess I have asked some lawers they told me they can help me out but the fees they are charging is realy big please help""

My insurance company will not change car details?

I have been thinking of purchasing a brand new car this year and today went ahead with the purchase, well at least put a deposit down with a 12 week wait. I have been driving now for a year and a half. and at aged 28 thought I would be out of the range of a silly driver by now. However, after phoning my insurance company to ask for a new/updated quote for the insurance they are telling me that they will not insure me on a new car due to my lack of experience. I am of course going to still have the new car as most other insurance companies will insure me on the new car at a fairly reasonable rate. infact only 100 pounds a year more than my current car. They are still howver going to charge me a 30 cancellation fee and will obviously lose my no-claims for the six months. Does anybody have any idea as to a way to approach the company or make a complaint or should I just forget about it and move on?""

Can I be under my uncle's car insurance?

My uncle just bought a car for me as a gift, however it is under his name. Is it possible for me to be added as a driver under his insurance, even though I am under my parent's insurance? or would I have to add that car under my parent's insurance? This is all so confusing.""

What company will insure my toyota supra twin turbo?

In perth, wa. Youngest driver 19 years old""

Do insurance rates go up if you put a turbo kit on a car?

does the insurance company need to know

How much is car insurance in NY state if your 17?

Ive been looking for how much car insurance is in ny if your 17 but i cant find it. My mom doesnt want to pay for it so i have to pay for it myself. Can someone tell me how much it costs?

What's a good job with good health insurance not needing a degree or experience?

I'm a college student looking to find a good job that has affordable health insurance all on which i can find an affordable place to live. Most factory's that have these benefits start with a low pay rate that doesn't seem worth it (after gas is taken out). Any ideas?

Would you get heath insurance and if so who through?

Me and my husband married young, when we married I had insurance through my job which was great but now, since I went back to school we are without insurance. I am in school ft and he also works but is two hours under what he has to be working to get insurance a week. We are 21 now and are wondering if you view health insurance as something someone our age needs and if so how to shop for it, what type to get and where to get a quote. We are both EMTS and have ran rescue before and we have seen lots of people without insurance but we want to make a well informed decision regarding this health insurance. Might I add that we are generally healthy, have a general practitioner at the moment that we rarely use, and during our marriage of two years have never been to an ER for any reason... Any insite that you have into this situation would be great! Thanks and God Bless""

Lowering insurance premiums in BC?

In BC after I get my class 5 drivers license(no longer an N) Is it likely my monthly insurance cost will go down?

How much does insurance cost for a chimney sweep business?

I am starting a chimney sweep company and I was wondering what is an average cost to have insurance for the business (bonus points if you can say all of the types of insurance I might need) I know the standard answer is to say there is no way of knowing since this all depends on a number of factors but I literally have no clue what it would cost so ANY estimate or guess is appreciated. The business will be in Maryland and have just 1 employee with revenue I am guessing would be about 100,000 a year if that helps.""

How much will the insurance be on a 2007 Vauxhall corsa 1.2 sxi?

im 16 but driving soon. i might be getting a black corsa sxi for my first car on fiance. How much will the insurance be? its only insurance group 3

Can I insure a car that is already insured?

I am a new driver and want to insure a car, the problem is that car is already insured by my mom with AAA. I currently don't have the money to use AAA as insurance so I was planning to get some cheap insurance right now. Is that possible? Or what would you recommend?""

A few questions about insurance and motorcycles in general.?

-A friend has an old 600cc Harley in his garage from 1980's I believe. He says that it could be repaired with a little TLC. How much would it cost to insure it for an 18 year old with a clean driving record and a fresh motorcycle liscense? -How much

Car Insurance Question?

First, I recently passed my road test and I am allowed to drive by myself. The problem is that the pink card (car insurance) has my parent's names on it and not mine. But, my parents recall putting me in a car insurance plan with them. So technically without my name on the card, I would be driving without insurance? And that's illegal right? (At least in Canada, Alberta) Would I be able to drive or no?""

Questions about car insurance?

Is it illegal for someone to drive someone else's car if they do not have car insurance, but their friend (who owns the car) does? What would happen if they got pulled over for a ticket . . . would there end up being a big problem? What about if they had an accident . . . would they be covered under their friend's insurance? And are there are some types of insurance that would cover an accident if it was caused by the uninsured friend of the insured car owner? Thanks so much :)!""

If you didn;t need to buy car insurance till you get into an accident?

Would you buy insurance till you needed it. Same with Health insurance, why buy it till I need it. Obama Care says you can not be denied health care for pre existing.""

Car insurance costs help?

I'm getting a car. Is there some website that will tell me or help me figure out how much my car insurance will be every month?

Average Car insurance cost?

Im an 18yr old female living in Wyoming. I have a clean driving record and drive a 1990 honda accord. Does anybody have an idea on how much car insurance would cost me

Geico Car Insurance Refund.?

My uncle purchase a car insurance on April 13th, 2010. Now he does not want to keep his car or his insurance anymore, can we get a full refund for two payments of Geico?""

Car Insurance Question?

Hi, im 16 and 17 in August living in Ireland, and i'm thinking of buying either a Honda Civic 1999-2001 or a Honda integra 1998-2001 aswell, i'm a guy and i'm wondering how much it'll cost to insure either one of them, and also what car is better""

Will my premiums go up on car insurance if I'm not At Fault?

I live in the state of Michigan. Someone rear ended me at a stoplight. My tail light is broken and my bumper is sagging along with other minor scratches etc. I have 2 main questions ...show more

Policy for 17 year old driving on traders insurance!?

Can a 17 year old drive an Audi a1 1.4 sport on traders insurance?

get cheap car insurance

https://www.linkedin.com/pulse/we-covered-liability-insurance-logan-peters/"

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