Essays and Research Papers on Personal Finance

A 5 page paper discussing the effect of the law of supply and demand on gas prices, as well as price elasticities. Gas is a rather inelastic product in that it is seen as a necessity and to date there are no ready substitutes for it, so it is not as directly affected by ...

A 7 page paper discussing the effects of the Taxpayer Relief Act of 1997 on auditing activities. Following congressional hearings on the abuses of the Internal Revenue Service directed toward taxpayers over the past recent years and under the influence of the lowest federal budget deficit in thirty years, a measure of tax reform was ...

This 27 page paper considers the concept of Islamic microfinance and whether or not it would be suitable for use in Egypt. The paper starts by defining micro-finance, looking at what it is and how it is used, and the requirements for any type of financing or loans to be compliant with Islamic law. ...

9 pages. This paper delves into the history and current use for the little-known personal holding company tax, as well as touching on the legislation initiated to abolish it. The personal holding company tax is one that is rarely invoked. It was a provision that was passed in the 1930's in order to ...

This 14 page paper examines the way in which prices of branded drugs, and the related profit they create for the pharmaceutical companies, is impacted when patents expire and the branded drugs have to compete with generic products. The paper considers how the law of supply and demand manifests in this market where an increase ...

This 6 page paper considers the future of these three currencies and the way in which they may move in the future. The paper looks at futures prices and events or influence that may effect the prices of these currencies. The bibliography cites 5 sources.

This 8 page paper answers question set by the student. The first looks at the value of diversification in an investment portfolio and explains this with a mathematical table. The second part of the paper explains the he Markowitz efficient frontier and how this fits in with the theories of diversity. The last two parts ...

This comprehensive 6 page paper considers the development as economics as a science which encompasses many issues other than simply the mathematical, these include philosophical and social considerations. This paper traces the development of economics from the early economists such as Locke through to Keynes, Friedman and beyond. The bibliography cites 10 sources.

This 10 page paper explores the subject of investment trading. Several aspects are discussed including mathematical models and the Efficient Market Hypothesis. The difference between long term market investing and trading is explained in detail. Bibliography lists 8 sources.

A 30 page paper discussing influence of alpha and beta relative to mutual funds. The approach of this paper is conceptual rather than practical or mathematical. It reviews current and historic literature and components necessary to producing alpha. Among these are the efficient markets hypothesis, alpha, beta and the capital asset pricing ...

A 13 page paper assessing governance at 2 private and 2 state-owned banks in India. Businesses within the same industry operate by standard means in many respects, but each is different in its management, goals for the future and perspective on the value of customers. The process of assessing governance at four Indian ...

This 16 page paper examines the development and progress of the Indian economy between 200 and 2011, with specific attention paid to the economic strategies, international market views, multinational corporations and social impact of the developments. The bibliography cites 13 sources.

This 6 page paper answers a set of questions regarding international currency exchange rate issues. The first question looks at whether or not it is likely for the Chinese renminbi to become an important reserve currency in the international markets. The exchange-rate mechanism used for the Mexican peso and Indian rupee are identified and discussed. ...

A 6 page essay that explores several aspects of accounting and auditing as careers. Included is information pertaining to: education and training needed; types of accounting fields; job responsibilities; job outlook; and average salaries. Bibliography lists 4 source.

A 5 page paper that discusses the topic of Hunt's book. This paper provides an overview of basic cost accounting structures and considers the importance of cost accounting as it relates to corporate decision-making processes.

A 10 page paper that gives a systematic approach to preparing an individual income tax return. This paper divides the task into 4 specific and necessary areas: 1. preparing for the task, 2. the organization of information 3. studying the tax booklets 4. the actual task. The paper presents ...

A 7 page paper discussing ethical issues surrounding the operation of auditors when they are truly independent of their clients and some of the problems that can arise when they are not. Every organization wants to present the most advantageous picture of itself possible, and there are legitimate ways to accomplish that. The outside auditor ...

A 5 page paper arguing against the premises presented in a paper decrying what the author sees as "social ambivalence" in auditing firm billing practices connected with auditing activities. The author charges that respected accounting firms uses their audit function to operate as a "loss leader" to attract clients, with the intention of later raising ...

This 5 page paper addresses the issues of fraud and independence in the auditing realm. New standards for fraud are included and solutions fro the dilemma of independence are provided. Bibliography lists 5 sources.

A 9 page paper discussing the degree to which auditors can maintain the independence necessary to ensure the integrity of audited financials. Though most auditors will argue that they are truly independent of their clients, practice indicates that they are only as independent as they determine to be and still retain their clients. As integration ...

This 13 page paper discusses the practice of internal auditing and the ability of such a program to detect fraud within an organization. The writer discusses how the internal auditor should participate in the deterrence, detection, investigation and reporting of fraud. Bibliography lists 11 sources.

The AICPA provides standards for independence and fraud for public auditors (CPAs). This 5 page paper evaluates the current standards as they relate to public auditing and defines the changes that have occurred in the last two years. Bibliography lists 5 sources.

The issue is discussed in a 9 page paper that includes two charts. Three particular sub-issues highlighted include : IAS rules as theu concerns retirement benefits, cash flow reporting and investments. The role of the International Accounting Standards Committee in deriving standards is discussed as well as implications for businesses. Some reasons as to why ...

This 2 page paper recommends that one not invest in IBM due to industry changes. The company is discussed and the market assessed. Bibliography lists 4 sources.

A 12 page paper in which the writer examines the increasingly necessity for effective environmental accounting in light of changing policies in support of environmental accountability. As the national trend moves towards "green accounting," many companies, especially high impact firms in the oil industry, have had to concentrate greater efforts towards their processes of envirnomental ...