Essays and Research Papers on Personal Finance

This 10 page paper considers the way in which stock markets behave. The paper answers four questions. Firstly, when there are low interest rates and deregulation why a stock market may grow and become a bull market. The second question looks at how, during the years 2000 – 2004 there was a long slump in ...

This 6 page paper looks at some of the theories that the Federal Reserve may use to decide if interest rates need to be increased. The paper starts by looking a the beige book for September 2004 and the report in the economy. The paper outlines how interest rates to control the economy, either to ...

This 12 page paper examines the concept of price elasticity and the variables the may impact on the demand function. The paper starts with a review of the theory and then gives a practical demonstration using a fictitious survey and one inelastic product and one elastic product. The bibliography cites 6 sources.

A 3 page management accounting paper. Miracle Lights, Inc. has specific standards set for the costs associated with manufacturing its Brightlite line of lighting products. It has experienced variance in the costs of manufacturing, specifically in the price of the raw materials used to produce a case of product and in the amount ...

This 5-page paper focuses on Democratic presidential nominee John Kerry, his economic plan, and how it would impact financial markets (and the economy) if implemented. Bibliography lists 5 sources.

This 14-page paper discusses the tenures of U.S. Fed chairmen Paul Volcker and Alan Greenspan, as well as general economic terms. Bibliography lists 4 sources.

A 13 page paper discussing the effect of debt on the value of the firm, with a focus on the financial services industry and using Citibank as an example. As Citibank’s debt load has risen, so has its stock price and therefore its firm value. Because Citibank’s debt has increased to finance acquisitions, ...

This 4 page paper examines the capital structure of the Australian based recycling company Sims Group Pty, looking at the pattern since 2000 and comparing the debt ratios to those of other global waste recycling companies and considers the impact of the observed level of debt. The bibliography cites 9 sources.

This 3 page paper looks at a scheme suggesting that advance payments are made to an employee in order to reduce the liability to the social security tax under the Federal Insurance Contribution Act (FICA). The bibliography cites 1 sources.

A 5 page paper discussing the financial performance of Dollar General, the leading competitor in its category. Opening 2 stores daily, the company will have 7,400 stores open by the end of 2004. Despite its success, Dollar General does not appear to be managed closely enough. It has large cash reserves and ...

This 4 page paper considers how the performance of the Austrian economy between 1994 and 2004 can be examined with reference to the IS-LM model (Mundell-Fleming Model). The bibliography cites 5 sources.

This 5-page paper asks several accounting and tax-based questions, and asks what issues these might be related to. Topics under discussion include gifting, transfer of income, transfer of property and more. Bibliography lists one source.

This 10 page paper considers the implications of capital structure for a company. The paper looks at how financial theory, including that of Modigliani and Miller, offer any guidance and what practical considerations impact upon deciding the optimum mix of debt and equity. The bibliography cites 10 sources.

This 9 page paper uses three different valuation models to assess what the share price of a company should be. The paper looks first at book value and how this may be used as a foundation for valuation before moving onto the dividend discount model, DDM, and the capital asset pricing model, CAPM. The paper ...

This 8 page tutorial paper looks at three question set by the student which require net present values (NPV) to be calculated. The calculations are shown in full so the student can replicate them. The paper also includes an internal rate of return (IRR)calculation and two graphs showing values against discount rates.

This 6 page paper examines the performance of the economy in Sweden, areas of development and improvement and growth patterns as well as considering the constraints on growth, including the high tax burden and difficulties in creating private sector jobs. The bibliography cites 5 sources.

This 10 page paper examines the credit provision and control in Ghana and the UK paying specific attention to the impact on small businesses, especially small retailers. This is examined using the framework of an in-depth Porters Five Forces model. The bibliography cites 5 sources.

This 7-page paper covers Benjamin Graham, the "father of value investing," his theories and how they've impacted the financial community. Also discussed is how his views would impact a student's investing decisions today. Bibliography lists 3 sources.

This 5-page paper covers the FASB Concept Statement 7, which details fair value of cash flows. Issues discussed include the basis of the concept, what was done prior to the concept and whether this statement is a good method by which to measure fair value.

This 10 page paper examines an important financial decision made by a company to consider the various influences and pressures that impacted on the decision. The decision examined was that of British Telecom to de-merge with its' subsidiary O2, which now trades as MMO2. The paper looks at the financial issues surrounding the decision ...

A 7 page paper discussing the state of business for this manufacturer of cast iron wood-burning stoves. Seven specific questions address management accounting and strategy issues to conclude that Bridgewater should not presently drop one of its two products, but rather seek out methods of making the under-performing product more profitable. The paper ...

This 3-page paper compares stock prices and stockholder equity between Yahoo and Ask Jeeves to determine the best stock for investment.

This 10 page paper considers how the role of traditional banks is changing and the way that banks need to providing internet banking services. The paper considers how these services can be supplied looking at issues such as convenience, savings in the value chain, security and the risks associated with decreasing loyalty created by a ...

This 5 page paper looks at the different types of bottom line accounting that can be used. The paper looks at the single bottom line, dual bottom line, triple bottom line and quadruple bottom line. Each concept is explained fully and examples are given. The bibliography cites 5 sources.

This 3 page paper compares two scenarios where a company can be set up with the same level of income but under different tax regimes. This paper calculates the net income and then the net present value of each option. The bibliography cites 2 sources.