Essays and Research Papers on Personal Finance

A 3 page paper discussing the audit approach for a case in which a company seeks to overstate assets and disguise a loss on discontinued operations. The paper uses FASB Statements No. 141 and 142 to conclude that details need to be disclosed and that the auditor must issue a qualified or adverse opinion ...

This 3-page paper discusses Carl Menger's economic theories, including the theory of partial equilibrium. Bibliography lists 1 source.

The ability to be able to assess the cost of capital for any organization is important, however for banks there are some particular issues concerning the cost of capital, and particularly the cost of equity. This 16 page paper looks at the issues and considers the way that the cost of capital, made up of ...

A 3 page reaction paper on the Sarbanes-Oxley Act of 2002. Bibliography lists 1 source.

A 5 page paper discussing general economic conditions and recommending that the Federal Reserve retain current federal funds rate of 1.81 at least through the end of the month in which the Wall Street bailout was approved. Bibliography lists 8 sources.

This 3 page paper examines Adam Smith's concepts and also evaluates an article on the bailout in the United States. Bibliography lists 3 sources.

This 6-page paper addresses the connection between oil, international economics and trade. A discussion about OPEC's influence on oil pricing is also included. Bibliography lists 5 sources.

This 3 page paper looks at three decisions where the use of personal financial statements would be of benefit. The three decisions are which jobs to apply for, whether or not to buy a car and how long to go on holiday. Each is discussed showing how personal financial statements would be useful. The bibliography ...

This 5 page paper looks at the adoption of the International Financial Reporting Standards in Australia, known as the A-IFRS. Adopted in 2005 the move was controversial, this paper looks at the historical move towards their adoption as well as the challenges, advantages and disadvantages seen in their adoption. The bibliography cites 4 sources.

This 4 page paper asks: will liberalizing the rules, while relying on a conceptual framework, result in an improved situation? Both sides of the issue are considered. Bibliography lists 3 sources.

A 5 page paper assessing current (12/08) economic conditions and making forecasts for 2009. The paper addresses inflation, GDP growth, unemployment, prime rate, housing starts, existing home sales, trade balance and producer price index. Bibliography lists 10 sources.

This 12 page paper looks at the economy of the UK between 2004 and 2009 and compares Scotland to the UK as a whole. The real estate market for commercial property in Scotland is then considered, looking at industry in Aberdeen, Offices in Edinburgh and offices and retail space in Glasgow. Predictions are then made ...

This 3 page paper looks at the pollution haven hypothesis which argues that international trade agreements such as NAFTA are directly increasing the level of pollution and environmental damage. The writer outlines the arguments before deciding which side might be right. The bibliography cites 1 source.

A 4 page paper discussing banks' contributions to the fallout of the subprime mortgage market that by late 2007 also has affected banks outside of the US. Most banks cannot directly participate in the subprime market, but they indirectly take part in it through their trading in and holding of the Collateralized Debt Obligation ...

This 3 page paper presents an example of break even analysis using an example of a produce from Autozone. All calculations are shown. The bibliography cites 3 sources.

This 3 page paper looks at the role and purposes of financial statement and management account statements or reports, considering who they are designed for and the way that they are used. The paper then considers how financial statements may help with the making of informed decision regarding the firm and how they may reflect ...

This 3 page paper explains the commitment problem faced by the monopolist of a durable good and looks at how renting or leasing the product be a solution to the problem. The bibliography cites 3 sources.

This 5 page paper evaluates the sub-prime mortgage mess. The primary part of this paper consists of a literature review. Bibliography lists 7 sources.

This 3-page paper is a sample memo dealing with income recognition for a fictitious company called Caltron. Bibliography lists 2 sources.

This 5 page paper discusses some of the factors that drove the economic expansion of the 1990s, and the recession and recovery that followed. Bibliography lists 4 sources.

This 5 page paper looks at the concept of contingency theory, assesses the way in which it is being presented and utilized in the past and looks at the way in which it is viewed today in order to assess whether or not this is a valid and useful theory, or is a failed project. ...

This 3 page paper answers three questions concerning national financial systems, the first part considers what elements are required for an effective financial system to be in place. The second part defines contractual savings, looks at what they are and sources of funding for contract savings organizations, the last part of the paper defines M1, ...

A 3 page paper discussing transfer pricing, segment margins and goal congruence in internal pricing. A common feature of decentralized organizations is the need to account for costs of internal segments doing business with each other or accounting for the portion of segment costs that can be considered to be organizational costs. All ...

This 3 page paper examines the 2009 economy and where it is going. Which indicators to watch is at the crux of this paper. No bibliography.

An 11 page paper discussing economics concepts as they apply to the US housing market 2004 – 2009. Topics addressed are price elasticity of supply and demand, positive and negative externalities, wage inequality, monetary and fiscal policies. Bibliography lists 13 sources.