Essays and Research Papers on Personal Finance

This 19 page paper is written in two parts. The first part looks at the various approaches to credit risk measurement in banking. This includes consideration of default-mode models (DM) and marked-to-market models (MTM) as well as reduced-form models and hybrids such as CreditMetrics. The case of BCCI is then considered with reference to the ...

This 13-page paper covers the topic of whether the UK, at this time, should join the euro-zone and adopt the euro as its main currency. The argument centers around a literature review that is pro/con. Bibliography lists 7 sources.

This 5-page paper focuses on the concept of consumerism, its positives and negatives. The paper argues that consumerism is not good for soceity. Bibliography lists 4 sources.

This 3 page paper outlines and explains the concepts in chapter two of Jacob De Rooy's book, What Everyone Needs to Know about Money. Bibliography lists 0 sources.

This 5 page paper examines a statistical report presented by the student, looks at how it can be used and the implications of using statistics. The paper provided indicates that a breast screening program is costly and that former research that indicated benefits may have been flawed.

A 9 page paper which examines the relationship between globalization and the loss of culture as depicted in these texts. No additional sources are used.

3 pages in length. Thomas Frank's scathing – albeit candid – assemblage of essays depicting the true outcome of a thirty-year culture war illustrates just how segmented society has become in its infinite quest for progress. The extent to which the author's collection epitomizes the ironic downfall of a people that has struggled ...

4 pages in length. The writer discusses the individual perspectives of these three prominent figures with regard to economic inequality and poverty. Bibliography lists 3 sources.

A 6 page paper examining financial records to assess the health of the company and to suggest methods of improving its cash position. Alliance Health has been growing in terms of all leading indicators of corporate health for three years (increased net income, decreased accounts receivable, decreased accounts payable, decreased debt and increased cash ...

This 4-page paper provides an overview of some mortgage software programs to help boost efficiency and elimiate some costs. Bibliography lists 4 sources.

This 10 page paper is written in two parts. The first part (2 pages) considers asset allocation, what it is and how it can be used. The second part of the paper looks at efficient market hypothesis and examines if brokers or investors use this theory to help with their investments. The bibliography cites 10 ...

A 4 page review of the economic insight provided by Joseph Pine and James Gilmore. This paper affirms these authors' argument that there has been a transition from a goods-based economy to more of an experience-based economy. Bibliography lists 2 sources.

This 16 page paper is written in four parts. The first part looks at the concept of silent and shadow accounts, what they how they can be used and the value they may provide for stakeholders of Tesco and other companies. The second part of the paper looks at different risk disclosure statements made Tesco ...

This 6-page paper covers Wachovia Corp. a U.S.-based financial institution, and its behavior on the stock market during September, October and November 2004. The paper examines external news that may have had an impact on the stock's behavior. Bibliography lists 4 sources.

A 3 page paper discussing the case of Colombo frozen yogurt and General Mills’ experience in dealing with the market shift from independent shops to impulse purchasing in a variety of locations. The paper provides a table more realistically assigning shipping and merchandising costs to each market type to reveal greater profitability than was ...

A 4 page paper which examines how a Howard University business student is able to add to the rich legacy established by this higher learning institution steeped in history and academic excellence. No sources are used.

This Bank of England has two core purposes; first main purpose is monetary policy, the second is financial stability. This 29 page paper examines how this central bank maintains financial stability. The paper looks at the historical view and how this was achieved in the past before the bank was responsible for monetary policy and ...

This 5 page paper discusses the theories in economic thought of Keynes and Friedman, compares and contrasts monetarism to Keynesian theories, and offers explanation of the differences between monetarism and Keynesian theories. Bibliography lists 4 sources.

This 9 page paper considers how testing propositions involving information asymmetries is inherently difficult and discusses this in the context of the available evidence for the existence of adverse selection in insurance markets. The bibliography cites 8 sources.

This 4-page paper discusses two economic imbalances, one involving widening wage gaps, the other dealing with the widening trade deficit. Bibliography lists 2 sources.

This 6-page paper focuses on ethics and accounting. Discussions include the various roles of organizations such as the SEC and FASB and a general discussion about financial reporting and ethics. Bibliography lists 5 sources.

This 16 page paper looks at how three potential courses of action may be assessed. These are whether to open or close an office, if a new product/service should be launched and if an investment should be made to expand a business. The paper performs a financial analysis of each situation, including potential profit ad ...

This 15-page paper attempts to answer two questions: the use of commodity chain analysis in terms of describing globalization and the role of the IMF in the East Asian and Russian currency crises. Bibliography lists 3 sources.

This 3 page paper examines the role of the IMF, the World Bank and others. The political significance of these organizations is evaluated. Risk management is discussed. Bibliography lists 3 sources.

An 11 page paper discussing Ivey Case 9B01N015, assessing how a Japanese bank in Hong Kong can justify offering a term loan to a private Chinese LPG gas company. The paper discusses net present value, the company’s prospects for the future and recommendation for how the bank can extend the loan while also protecting ...