Essays and Research Papers on Personal Finance

This 3 page paper examines an article that appeared in Money magazine and helps consumers learn how to improve their credit. The piece written by David Futrelle (2006) is entitled "How to Scrub Your Credit Score" and is aimed at the average consumer. The article is critiqued and the importance of personal credit is examined. ...

This 9 page paper is written in three parts. The first part of the paper defines what is meant by risk in the business environment, how it can emerge and then looks at different types of risk. The second part of the paper considers risk management in the private sector considering how investments are assessed ...

This 4 page paper is written in three parts. The first part considers what factors should be taken into account when determining the price to be paid for a bond which because of the value of $1000 in a years time. The second part looks at how a discount rate should be calculated and ...

This 7 page paper is written in two parts. The first part of the paper examines strategy of HSBC since the year 2000, focusing on a strategy of growth and the shift from growth acquisition to organic growth, as well as its successful IT strategy. The second, and smaller section of the paper, looks at ...

This 3-page paper is an analysis of "Slow Growth Seen for California Economy in 2003," which was written by Michael Kahn for Reuters. The paper examines why California's economy has been so slow to recover from the dot-com bust and how it has impacted the state's economy. Bibliography lists 1 source.

This 5 page paper considers the company Xerox, its' recent performance and is written with the aim of assessing a buy recommendation of the company's shares. The bibliography cites 4 sources.

There is a great deal of empirical evidence that shows initial public offerings (IPO’s), are usually under priced. This well written 8 page paper examines why this occurs with reference to numerous studies and theories. The bibliography cites 13 sources.

This 10 page paper is written in two parts. The first part looks at the Modigliani–Miller theorem and shows how it works with a mathematical example. The second part of the paper considers whether the model has been over theorised in its’ development and subsequent examinations. The bibliography cites 6 sources.

This 16 page paper is written in two parts. The first part considers why or how why a company’s capital structure may affect a firm's market value. The second part of the paper considers the why some companies may not be suited to international growth. The writer uses the example of Marks and Spencer ...

This 7 page paper is written in two parts. The first part looks at the concept of perfect competition, also referred to a pure competition, defines what it is and the market conditions needed for it to emerge, the way a firm will determine the quantity to supply and what is meant by the term ...

This 4 page paper is written in 2 parts. The first part looks at the risks of speculating and considers what a bank is doing and the risk it faces if it has a long position in one currency and short position in another. The second part of the paper examines how a weak ...

This 8 page paper is written in two parts. The first part discusses the general economic effects of the liberalisation of international trade. The second part considers which, in theory, is more important for economic growth; more capital and labour or greater efficiency in the use of productive inputs? The bibliography cites 6 sources.

PM This 8 page paper is written in 3 parts. The first part of the paper looks at risk defining, and then illustrating with examples what is meant by diversifiable risk and non diversifiable risk. The second part of the paper uses CAPM to calculate the expected return and the risk free rates in ...

This 4 page paper is written in 3 parts. The first part of the paper discusses the factors which may help to influence economic prosperity such as low interest rates economic stability and an educated workforce, the second part of the paper looks at the factors which may be associated with decline, such as ...

This paper examines the ties between corporate spying and the accounting profession. While literature hasn't been written specifically on this topic, the paper ties these two concepts together, and offer suggestions of how companies can protect themselves from loss of information. Bibliography lists 5 sources.

This 6 page paper is written in 3 parts. The first part examines the performance of the US economy between the years of 2000 and 2003, looking at annual figures for the GDP, real GDP growth, inflation, unemployment, interest rates and M1 growth. The second part of the paper discusses the patterns seen in the ...

This 5 page paper deals with the writings of Milton Friedman and John Kenneth Gilbraith, in regard to their view of a free market system. Their brief philosophies are presented, as well as those ideas in which they diverge from one another. Bibliography lists 2 sources.

This 5 page paper is written in 2 parts. The first part describes the main characteristics of management accounting. The second section is an assessment of costs comparing the cost of sourcing the parts from an external supplier and the cost of producing them internally, the example uses costs provided for bindings needed for skis. ...

Written in the style of an article this 10 page paper looks at the presence and growth of internet banking in the UK and how this benefits both the banks and the customers. It is argued that to maximize the returns and create competitive advantages the banks need to manage the supply chain and create ...

This 15 page paper examines Caterpillar. The paper is written in three parts. The first part examines the firms’ strategies, the second part looks at the firm within its competitive environment, and the last part is a financial analysis of the performance of the firm between 2006 – 2008. The bibliography cites 9 sources. ...

This 10 page paper has been written to design a marketing Champaign for a first line mortgage lender. The paper starts of by defining the marketplace available to be targeted and selecting a target segment of the market, then it goes on to outline an original marketing campaign based on the traditional values of value ...

This 5 page paper considers the economic conditions in the UK. This concisely written paper includes the strength of the pound, inflation, unemployment internal and internationalinvestment, and the FTSE 100 along with government policy and targets. The paper cites 7 sources.

This 12 page paper looks a the way financial crises, such as recessions, burst bubbles and the credit crunch and argues that financial crises are necessary to preserve balance in the global economy. The paper is written from a theoretical perceptive and includes approaches such as evolutionary economics and cycle theories. The bibliography cites 14 ...

This 7 page paper is written in two parts. The first part looks at the quantitative easing and monetary polices seen in the US, UK, EU and China in 2008/9, looking at the amount of money pumped into the relevant economies. The second part of the paper looks at Venezuela with the problem of ...

The premise that the writer is creating a report for a CEO of a rural bank is the perspective from which this 8 page paper is written. Issues discussed include the validity of the recent balanced budget amendment, economic projections for 1998 through 2002 and specific recommendations for the banking industry. Opposing views concerning the ...