Essays and Research Papers on Personal Finance

A 5 page paper discussing changes in the financial services industry. The purpose here is to identify five major trends and developments in the financial services industry, particularly those in banking as those trends affect other segments of the larger financial services industry. The trends identified here are consolidation within the industry; the ...

An 18 page paper discussing determination of exchange rate and purchasing parity in Argentina, followed by a discussion of particular economic issues facing developing countries. The paper distinguishes between developing and mature economies according to the OECD definition of mature, and discusses developing nations’ need for capital and development of capital markets. The ...

A 5 page paper discussing Argentina’s economic difficulties in 2002. The Import Substitution Industrialization (ISI) method can be blamed in part for retarding economic growth. Once Argentina weathers the current economic recession, it will once again be poised to overcome the economic problems of the past. ISI likely will not be a ...

A 14 page paper discussing the economy of Argentina for the purpose of assessing the value of foreign direct investment in the country and the advisability of fixing exchange rates for the Argentine peso. Using others’ capital is always attractive as long as Argentines retain control over how that capital is used. Reverting ...

A 5 page paper discussing cattle price in response to economic conditions. Cattle production is no more certain than any other branch of agriculture. Though the animals are more self sufficient than immobile plants, they still are subject to the vagaries of the weather. The market is subject to the whims of ...

A 6 page paper discussing the need for economic stimulus following the terrorist attacks of September 11, 2001. On September 10, 2001, the stock market was uncertain but holding its own, and many of the nation's largest companies were announcing disappointing second quarter business results. After the longest period of economic expansion known ...

An 8 page paper discussing considerations that must be made in arriving at economic forecasts. Some of these items are overall macroeconomic conditions; trends in movement of business; political climate; consumer attitude and other factors. Bibliography lists 6 sources.

This 8 page paper examines the Warren Buffett method of investing, with its’ common sense approach to holding shares for the long term and investing in businesses rather than only looking at the stocks. This investment method is then applied to the Singapore stock market and assessed for its accuracy. Two example investments are examined. ...

A 5 page paper discussing whether MERCOSUR can be held responsible in any way for Argentina’s economic collapse in 2001-2002. MERCOSUR brought promise of increased trade with South American neighbors until the Argentine economy could improve to the point that it could attain membership in NAFTA. There were other factors at work, however, ...

This 10 page paper considers how globalization is able to lower costs. The paper looks at issues such as how production or supply may be maximised making use of the theory of diminishing returns, the impact of elasticity and the way that input and outputs can all be managed to decrease costs. The bibliography cites ...

This 5 page paper uses the 14th January 2004 Beige Book Report, made by the Federal Reserve, and examines the results to assess the likelihood of an change in interest rates. The analysis looks at the results in different sectors and then considers how and why economists may come to different conclusions over the need ...

This 6 page paper is written in two parts. The first three pages examine efficient market hypothesis (EMH), outlines the three forms. Weak, semi strong and strong and assesses their accuracy. The second three pages of the paper look at the difference between net asset values and capitalization in a well known company; Wal-Mart, and ...

This 10 page paper considers the factors that create and maintain incentive structures for firms to indulge creative accounting along with the incentive structures for key users to ignore the creativity. The writer identifies the opaqueness and weak governance combination that lead to these problems. Italian company Parmalat is used as an example, references are ...

A 14 page paper which examines entrepreneurship in terms of different countries and globalization. Bibliography lists 10 sources.

This 6-page paper focuses on the pros and cons of the FASB's controversial Accounting for Stock-Based Compensation, which would require that corporations report their stock options as expenses, rather than in footnotes of financial statements. Bibliography lists 6 sources.

This 7 page paper argues that the stock market has been inadequately regulated which accounts for the present problems and scandals. The paper further asserts that regulation may not be necessary anyway as it is only for the protection of the masses. Should the market be something for the less than savvy gambler? ...

A 12 page paper discussing all general aspects of adjusting to retirement. Citizens of most developed nations are not saving enough of their incomes to provide them with the retirement years enjoyed by those who retired in the 1980s and 1990s, and the economic conditions that existed then likely will not return. Those ...

This 16 page paper considers these two well known and comparable apparel companies. After looking at their background both companies accounts for the years 2001 and 2002 are analyzed using horizontal and vertical analysis and the use of ratios. The bibliography cites 6 sources.

This 5 page paper explains what is meant by credit creation, how it operates, why it is important and how the impact on the money supply can be calculated as well as how it interacts with wider policies such as supply and demand and monetary policy. The bibliography cites 8 sources.

An 11 page paper presenting a proposed costing system for a fast food restaurant. The paper is a management accounting exercise determining the profitability of a single menu choice. Includes 7 tables. Bibliography lists 1 source.

This 12 page paper considers what strategies and tools can be used to manage capital risks in international businesses. The paper looks at effective use of short and long hedging as well as the potential use of Eurocurrencies. The bibliography cites 6 sources.

Since the 1950’s there has been a continual increase in the level of leasing in the United States. Leases have many advantages when compared to loans and purchases, this 6 page paper consider these advantages which could explain the increased use of leases. The bibliography cites 6 sources.

This 5-page paper discusses Argentina as an emerging market on the global scene. The main thrust of this is that Argentina's economic health, though improving, is still not enough for this country to be a global player. Bibliography lists 2 sources.

This 7-page paper discusses measurements of national income (such as Ireland), circular income flow, and fallacies of both. Some economic figures about Ireland are also included with this paper.

A 3 page paper summarizing a 1992 article, “Rewarding failure and effort,” an article exhorting management accounting instructors not to discourage students who make real effort yet fail to arrive at prescribed conclusions. The paper discusses the article in terms of a management text, as well as examples from Mary Kay Ash, who the ...