Essays and Research Papers on Personal Finance

This 11 page paper examines the regulatory environment which exists within the United States for online banking. The general approach to online banking and the way that the seen with general banking regulations, and the way in which it is evolving is examined, along with the specific challenges, such as security and the way ...

This 4-page paper discusses the four principles of decision-making and how it relates to economics. Bibliography lists 2 sources.

This 3-page paper discusses basic macroeconomics. Bibliography lists 2 sources.

This 10 page is an in-depth assessment of five different mutual funds run by Fidelity between 2000 and 2010. The growth of the different funds over the period examined is assessed, the arithmetic and geometric means are calculated, major holdings of each fund identified and the correlation covariance matrices are presented. The paper goes on ...

This 13 page paper looks at the performance of Royal Dutch Shell between 2006 and 2010. The performance of the firm is examined to assess the way that the recession, oil prices and industry events have impacted in that performance. The focus is on the revenue and profit and the share price movements. The bibliography ...

This 4 page paper considers the potential investment of a new software system to manage patient records. The investment is considered from the perspective of a hospital, looking at how the investment will help meet management goals and benefit the hospital financially. The paper is a general justification of the investment. The bibliography cites 3 ...

This 12-page paper outlines justification and budgeting for implementation of an electronic health records system. Bibliography lists 7 sources.

This 13 page paper provides answers a set of five questions asked by the student, requiring calculations concerning the time value of money. These include calculating future values of existing funds compounding interest, as well as present value calculations, and calculations to assess investment in investment amounts needed, as either a lump sum or an ...

This 3 page paper is based on a case study supplied by the student, assessing the inventory control at a firm over two years. Using figures supplied the student the paper demonstrates the way in which inventory turnover and the ‘days inventory’ can be calculated, interprets the results and identifies used in the accounts ...

This 19 page paper looks at the concept and practice of analyzing financial statements. The paper is written ion four sections, the first considers the analysis financial activities, the second section looks at the way financial reports may be analyzed, including a detailed breakdown of ratios which may be used. The third section of ...

The 'professionalization' of financial analysis has increased the expectation that professional analysts will be able to produce consistently good returns. This 6 page paper looks at, including effcient market hypothesis, and assesses whether or not it is possible for investors and analysts to outperform the market. The bibliography cites 8 sources.

This is a 3 page paper that provides an overview of security exchanges. The NYSE-Euronext and NASDAQ exchanges are compared and contrasted. Bibliography lists 2 sources.

This is a 3 page paper that provides an overview of online banking. The link between online banking and customer satisfaction is explored in a literature review. Bibliography lists 20 sources.

This 7 page paper is a 6 slide presentation along with speaker notes. The presentation explains the preparation and use of a cash flow statement. The explanation includes an example of a cash flow statement. The bibliography cites 2 sources.

This 4 page paper looks at the way in which ratios relating to capital structure may be used by different stakeholders and why they are useful. The use of activity ratios is then discussed, with consideration given to circumstances where activity may increase but ratios decline. The bibliography cites 5 sources.

This 38 page paper looks at the potential of implementing an integrated financial management information system (IFMIS) for the government of a developing country such as Zambia. The paper is written as a report, looking at the benefits of implementation. A definition of the investigation, and assessment of IFMIS and the ways in which implementation ...

This 3-page paper discusses various methods of analyzing financial reports. Bibliography lists 1 source.

This 7 page paper answers a number of questions set by the student. The first set of questions look at the assessment of returns based on weighted probability of different outcomes. The second set of questions looks at the use of probability and calculates the probability of different investment outcomes. All calculations are explained. ...

This 3 page paper explains the purpose of an annual report and using Google’s 2010 report identifies the main section, looks at the assets and at the management attitude towards control. The bibliography cites 3 sources.

This 9 page paper examines WalMart, the world’s largest retailer, as a potential investment. The paper starts with an overview of the company and then undertakes a ratio analysis using the financial years 2007 – 2011, looking at profitability efficiency, liquidity and the capital structure. The last part of the paper looks at the share ...

This 6-page paper examines budgeting examples and benchmark strategies, using an ICU as an example. Bibliography lists 6 sources.

This 5 page paper looks at a potential acquisition, considering the purchase from a financial perspective. The acquisition is considered by looking at the present value of the investment using the next three years free cash flow and the terminal value, and then assessing the market premium attached to the shares. The bibliography cites 4 ...

This 6 page paper is written as a memo explaining five financial terms; economic value added, fixed assets turnover ratio, net profit margin, sales forecast and breakeven analysis. Each is term is defined and explained individually. The bibliography cites 5 sources.

This 8-page paper answers various questions about international accounting and new financial statement formats. Bibliography lists 7 sources.

This 4 page paper uses figures provided by the student to demonstrate the way that the contribution margin, break even point and the operating income pr profit for a set level of production. All calculations are shown. The bibliography cites 3 sources.