Essays and Research Papers on Personal Finance

This 6 page paper discusses the changing face and personality of small, community banks. In the face of the many financial mergers of banks throughout the U.S., small communities are finding that their hometown bank may actually have a 'hometown' 2,000 miles away. Bibliography lists 9 sources.

An 8 page paper on the Dow Jones industrial average, who started it, how and when it was started, what it consists of, what companies are on it today/past, and its affects on our economy. The paper includes comparison charts to other indices and a discussion of how the Dow benefits our economy. Bibliography lists ...

A 5 page discussion of how, despite the atrophy experienced by the Dow Jones Industrial Average over 3 decades, that a monetarist-type demand created a zero price elasticity that spared the company from its conservative growth policy, which in turn extended to the functioning of the macroeconomic realm of the New York Stock Exchange. Bibliography ...

This 3 page essay discusses the past few months of the Dow Jones roller coaster ride and looks at it in terms of the demand for Toyota's luxury auto line, Lexus. Bibliography lists 3 sources.

A 5 page essay analyzing the effects of institutional ownership. The writer posits that institutional ownership has numerous down-sides including conflict of interest and lack of interest in the management of the company while the entrepreneur investor is interested in all aspects of the company. Bibliography lists 3 sources.

A 9 page paper discussing both pre and post merger health of these two banks that have combined to become the 7th largest in the country. Discussed in the paper are such items as capital adequacy, asset quality, liquidity and CAMELS, an internal-operation performed by bank examiners. Both were very well managed before their merger ...

A 5 page paper discussing the astounding rates of merger activity not only in the US, but all over the world. The writer focuses on the US and uses the financial services industry as its prime example since that industry is the most flamboyant in its merger activity. Banks show no hesitation at paying three ...

This 5 page paper discusses how decisions made by financial institutions decision to merge leads to a decrease in customer service and increases the motivation for cross-selling of products such as insurance. The report looks specifically at the Canadian banking system as an example. Bibliography lists 5 sources.

10 pages in length. A series of essays discussing the fact that the 'globalized' world capital market is not truly integrated and, thus, reward-to-risk ratios do not coincide across security markets. Bibliography lists 10 sources.

The acquisition of Salomon by Travelers' in the Fall of 1997 is studied in this 40 page paper. The new company which was created by the deal, Salomon Smith Barney is studied. An analysis considers not only the financial picture of each company, but also problems with the clash of corporate cultures and personalities at ...

This 5 page paper looks at the Salomon/Smith Barney merger from an accounting point of view. Several charts are included. Focus is on analysis of figures before and after the merger for Salomon, Smith Barney and Travelers as well. Bibliography lists 4 sources.

A 5 page paper discussing the merger of Salomon Brothers and Smith Barney in 1997 and how it's stock and overall financial picture changed. Bibliography lists ten sources.

A 6 page research paper. 'Junk' is the common name for bonds issued by companies with below-investment-grade credit ratings of BB or less. Because these firms are considered more likely to default, they must offer higher yields to attract investors. The economy's long and steady sustained growth over the last seven years has enabled ...

The value of gold is discussed in this 10 page paper that provides investment advice. The purchase of gold is compared with other parts of ones investment portfolio. Recommendations are made in terms of how much gold one should buy including predictions about its future value. Relevant economic factors, such as the introduction of the ...

A 10 page overview on leveraged buyouts. While popular in the eighties, ramifications of these mergers are still felt today. LBO companies of the 1980's are compared to a new breed of firms that are popular today. Bibliography lists 10 sources.

This 2 page report discusses the information presented in the table entitled 'Non-Linear Specification of the 91-Day T-Bill.'

Techniques employed in the process of capital budgeting are demonstrated in this 10 page paper.The insurance industry is used as an example of how the capital budgeting process is integral to an overall financial management plan. Industry trends are noted along with the financial problems Oxford has experienced in the 1990's. A detailed discussion on ...

A 6 page research paper on the use and contents of a capital budget in the context of managing a project. The writer details the development and uses of a capital budget, its contents, and its theory. Bibliography lists 5 sources.

A 30 page paper discussing numerous aspects of the world of corporate finance and corporate organizational/operational systems from a primarily financial perspective. Bibliography lists 18 sources.

A 9 page paper discussing whether the multinational corporation should own its own facilities or outsource their production to an existing and similar concern. In deciding which route would be more beneficial given the set of circumstances in which the corporation will be operating, it is necessary to evaluate the overall stability of both the ...

This 18 page report discusses the development of the new and emerging worlds of financial markets. Closer scrutiny of patterns, behaviors (both repetitive and unique), as well as developing trends must be closely examined. With the acceleration of technological change, and a growing emphasis on institutional learning and continuous product improvement, both the concepts and ...

This 4 page report discusses the contemporary role of financial markets in the economy. The writer very briefly examines some of the changes the markets have encountered and how that has both affected and been affected by individual economies. Bibliography lists 6 sources.

A 5 page paper discussing the concentration on wealth, rather than profit, maximization. The typical approach of most businesses is to generate the highest levels of profit possible, both for increasing their own profitability and their shareholders' equity. In recent years, however, some companies have begun holding onto more and more of the profits they ...

In 4 pages the author discusses "The Fatal Equilibrium" by Marshall Jevons. "One of economics' main assumptions is that firms seek to magnify their profits, trying to make them as high as possible. This is controversial to a certain degree. There are those that suggest that instead of maximizing their profits, some firms try to ...

A 12 page research paper on US and global financial institutions, with focus on banking institutions and regulatory control. Other issues addressed are capital and money markets, profitability management, banking innovation, and credit unions in the US. Bibliography list 19 sources.