Essays and Research Papers on Personal Finance

A 6 page paper discussing some the events and activities of Nick Leeson, which culminated in the collapse of a 232-year-old investment bank. Trading in financial markets is more common now as the global economy continues to expand, and derivatives trading can be an important component of any organization's international risk management. However, it is ...

A 10 page paper discussing Citicorp's future and profitability when compared to the state of the economy. The examination includes past stock performance, drawing analogy between that and the growth of GDP between 1994 and late 1997. Even with the phenomenal growth of the stock market in general and in Citicorp stock in particular, ...

A 5 page paper briefly discussing the Chrysler Corporation and the performance of its stock, long-term viability, and the current markets' valuation of the company. Bibliography lists 4 sources.

This 8 page paper looks at investing in the stock market using a variety of vehicles with a focus on stocks, bonds and options. General market trends are analyzed and specific stocks are noted. Technology stocks are discussed in depth with a focus on Apple Computer Inc. Two charts are included along with the paper. ...

12 pages in length. A good discussion of Life Insurance, particularly Whole Life Insurance,-- and some of the problems associated with its sale. The writer discusses how many Insurance Agents have been known to "con" or mislead their customers into buying Whole Life policies. An excellent presentation is made as to the problems of having ...

12 pages in length. As with any other business, the reinsurance industry must follow standard regulations that keep it within the boundaries of system rules. The writer discusses regulations within the reinsurance industry, as well as how the industry is being affected by Section 304 of the federal bankruptcy code. Bibliography lists 8 sources.

One of the realities that is emerging from today's business of insurance is that there are not many major insurance markets left where direct insurers are able to make a profit by underwriting, free of reinsurers. The general trend has been that most of the world's markets are showing losses for underwriting. In some ...

This 6 page paper explores the industry of commercial leasing inclusive of how companies make decisions on whether to lease or purchase. Bibliography lists 6 sources.

A 5 page paper applying the conclusions of Eli Goldratt, the father of the theory originally based in manufacturing systems. Eli Goldratt's work in scheduling systems for manufacturing operations brought him to a study of manufacturing bottlenecks, where an otherwise smoothly-flowing system can break down and destroy projected scheduling plans. To this idea he gave ...

A 10 page paper discussing considerations for choosing a mutual fund. By their very nature, most mutual funds supply a reliable method of market investment: the fund is comprised of several stocks of diverse economic sectors and therefore is not as sensitive to market and industry fluctuations as are individual stocks. Of mutual funds, ...

This 5 page paper discusses a variety of issues the investor needs to consider when selecting a mutual fund. Factors include the investor's goals, the fund's performance, what the company's beta means and knowing who is managing the fund. Bibliography lists 6 sources.

An 8 page search for an aggressive-growth mutual fund for the purpose of serving the long-term needs of a late-20's investor with a mid-30's salary. Funds heavily weighted along the lines of the leading economic indicators of the US, while beneficial for those investors seeking only income or limited growth and income, most likely will ...

A 6 page essay on the folly of attempts on the part of the small investor in trying to reinvent the wheel in investing in the stock market by trying to 'beat the odds' and ignore every sound investment practice. Though market investing is a proven method of building true wealth, it takes common sense ...

This 5 page paper reviews an article on this topic from The Wall Street Journal. The writer explains the possible reasons for why no-load funds are disappearing and the trends in the current investment market.

A 5 page essay on Adam Smith's "The Money Game"-- discussing the relevance of Smith's assertions to changes occurring in the former Soviet Union after its collapse. The writer examines in light of the book whether stock markets and capitalism can "exist and benefit all the people rather than exploit the many for the benefit ...

This 10 pages paper uses the "Father of Economics'" work, "The Money Game" as its reason, but speaks more to Adam Smith's basic theories and how they apply to today's economies, particularly those of America and the evolving Russian prefects since the dissolution of the Soviet Union. The discussion of ...

This 8 page paper provides an overview for ‘Adam Smith''s The Money Game. This 1968 book provides timeless advice on the stock market and good information in the area of macroeconomics as well. While the pseudonym used oddly happens to be the same as the eighteenth century philosopher's , the real name of the author ...

A 7 page paper that argues the comparison between the moral convictions related to social constructs presented by authors like Jane Austen with the sympathetic development of morality through emotion presented by Adam Smith. It is Smith's basic contention that man is inherently good, and that his moral development comes from his ability to perceive ...

A 5 page trends analysis on the U.S. and Foreign stock markets for 1998, including economic and political reasons. Bibliography lists 9 sources.

5 pages in length. Money controls the United States entire cultural existence. This may be a rather bold statement, to be sure, but one that is founded in fact and reality. When one considers the fact that money is attached to each and every aspect of one's life, from food and shelter to ...

A 5 page paper that discuses different aspects relative to bank performance and profitability. Both profitability and ROA have changed dramatically since 1980. These data are offered in three illustrations. Also, factors that have been shown to affect perfrmance are discussed. Bibliography lists 8 sources.

In 2 page the author discusses the relationship between official reserves and the money supply in an economy. Changes in official reserves and the money supply in an economy are in juxtaposition. When changes occur in the official reserve, there must be changes in a country's monetary supply. At some points the dollar is weak. ...

A 20 page paper discussing the effects of and the need for change initiatives within finance, primarily within the banking industry. Changes in business and within the financial services industry dictate that financial institutions also change in order to remain significant within the changing of dollars between entities, but that change must be systematic and ...

A 12 page examination of the role of Guatemala's banking system in the evolution of the country's economy. The civil war of 36 years' duration finally came to an end in 1996 and the government seems to have stabilized to the point of being able to accomplish some good for the country. There is still ...

In this 8 page paper the author shows how banking limitations have long restricted consumers from conducting business outside the home state where their account originated. Now, however, with the implementation of interstate banking, people can do the same activities at any out-of-state bank they choose as though they are in their own hometown branch. ...