Essays and Research Papers on Personal Finance

A 6 page paper providing pro forma statements and a marketing focus for a company offering generic robotic applications to the auto maker industry in the US. When a single unskilled worker costs upwards of $100,000 annually, the cost of robotic applications is not so daunting. Generic applications that can be customized to ...

This 4 page paper takes a newspaper article about increasing gasoline process in Michigan and examines this from the perspective of supply and demand. The underlying economic concepts are explained and applied to the price movement in the gas prices, the movements are illustrated with the use of 2 supply and demand graphs. The bibliography ...

This 8 page paper looks at the use of Net Present Value and Internal Rate of return calculations for use in capital budgeting. The first part of the paper looks at different potential investments and shows the student examples of NPV and IRR calculations. The second part of the paper looks at both IRR and ...

This 7 page paper looks at four economic models that are useful in terms of managerial decision making. The paper gives an outline and explains the use of each model. Includes are game theory, breakeven analysis, elasticity of demand and profit maximization. The bibliography cites 2 sources.

A 5 page paper discussing the microeconomic concepts that apply to both the producing companies providing new cars and the market segment that purchases the products. Macroeconomic conditions affect producers' choices in terms of input, and they affect the choices of potential buyers at the household level. Substitution is difficult in the auto ...

A 4 page paper that discusses the downfall of Arthur Andersen LLP. The paper begins with comments about the original climate in the company - integrity and honesty set it apart, and how that changed. The writer discusses Steve Samek's 2x strategy as one of the factors that led to the company's problems. Bibliography lists ...

A 7 page paper discussing budgeting processes at River Beverages and at Atlantico. River Beverages strives to gain a high degree of accuracy, incorporating many unnecessary steps in the process and holding production managers accountable for the performance of non-production departments (i.e., sales). Atlantico's approach is only to "do even better next year," ...

This 9 page paper is based on a scenario tool supplied by the student. Mikes Bikes want to expand and compete. The first part of the paper considers how they may compete according to Porters generic strategies and adjusts a draft strategy plan. The second part of the paper examines a four year scenario planning ...

This 8 page paper looks at how managerial economics is used and the advantages and disadvantages associated with its use. Concepts discussed include supply and demand, pricing, elasticity, forecasting and the use of least squares regression and capital budgeting tools. The bibliography cites 10 sources.

This 3 page paper looks at the internet bank ING Direct and considers how they protect confidentiality and security. The paper looks at the internal measures such as encryption and other security measures as well as the advice given to bank customers to protect themselves. The bibliography cites 1 source.

This 4 page paper assesses two projects showing NPV calculations. The paper presents the net present values, looks at which of the projects could be accepted and then considers how NPV can be used and other issues that should be taken into account before a decision is made. The bibliography cites 5 sources.

This 4 page paper compares the financial performance of Costco and Best Buy, between 2004 and 2006. The paper looks at operating performance and profitability using gross, operating and net profit as well as return or assets and return on equity. Activity ratios are presented in the form of accounts receivable and payable turnover, inventory ...

This 10 page paper considers the way in which inventory levels and inventory costs may be cut. The paper looks at tools such as just in time inventory management, forecasting, pull systems and the use of consignment stock. The bibliography cites 8 sources.

A 3 page paper discussing beta and investment. Beta is a term found on all web pages providing quotes of individual stocks. Often thought of as a measure of risk of the stock, it does not directly reflect risk at all. It is an integral component of the capital asset pricing model ...

This 5 page paper provides an overview of these two statements. Pensions and other benefits after retirement are discussed. Bibliography lists 3 sources.

A 3 page paper discussing the operation and ethics of payday loan companies. The need for the existence of payday loan companies is regrettable, but the business can be expected to grow as the economy continues to favor greater numbers of low-paying service jobs. They are not legal loan sharks, but their success ...

This 5 page paper examines some aspects of the economy of Macau, which is not a special administrative region of The Peoples Republic of China. The first part of the paper compares the monetary policies and approach of Macau with that of the US. The second part of the paper considers if the ‘invisible hand’ ...

The decision to buy or lease is faced by many businesses. This 4 page paper considers the purchase or lease of a large piece of equipment and considers the advantages and disadvantages of each option. The bibliography cites 3 sources.

This 5 page paper looks at different pricing scenarios for books, where the fixed costs, marginal costs and market up are given, The paper considers scenarios where there are additional large orders placed and the way discounts may be applied to wither the large order only or across the full publication run. The bibliography cites ...

A 6 page paper answering 5 questions about strategic planning, economic forecasting and creating a master budget using the fictional Riordan Manufacturing as the subject. No forecast can be expected to be absolutely accurate simply because all of the events and expectations are set in the future that no one can foretell. An ...

This 6 page paper is written in two parts. The first part looks at an existing system to pay expenses that needs to be changed assessing the advantages and disadvantages. The second part of the paper suggests a new system along with the required checks. The bibliography cites 3 sources.

This 3 page paper considers how an investor can determine at what price they will be prepared to buy an equity futures contract. The paper uses the company McDonalds in 2006 as an example to show the different considerations. The bibliography cites 4 sources.

This 8 page paper undertakes a ratio analysis of Sainsbury and compares it to Tesco, and the parent company of Asda; Wal-Mart. The paper shows the calculations for the gross and net profit, the return on capital employed, the current and quick ratio as well as stock turnover, debtor and creditor periods and the gearing ...

This 4 page paper looks at different aspects concerning the time vlaue of money. The paper explains interest rates and compounding, present value and future value of investments, opportunities costs, annuities and the rule of ’72. The bibliography cites 3 sources.

This 3 page paper is basic research about mutual funds. Bibliography lists 7 sources.