Essays and Research Papers on Personal Finance

An 8 page paper that provides a concise overview of essential budgeting process mechanics and evaluates them for a warehouse delivery example. Bibliography lists 6 sources.

A 5 page paper that provides an overview of the major components of manufacturing and non-manufacturing budgeting, including a look at the planning and controlling of purchasing and material usage. Bibliography lists 5 sources.

A 5 page paper that evaluates 4 different 501c.3 charitable organizations to choose two for the distribution of $300,000 in contributions. The writer compares the four organizations on the basis of whether the meet the goals of their mission statements and how they use the donations they receive. In the end, the writer chooses just ...

This 5 page paper looks at the charitable contribution as an itemized deduction on both Federal tax return 1040 and the California resident return. Requirements for qualification as a tax exempt organization are also examined. Bibliography lists 5 sources.

This practice is evaluated in a 6 page paper which focuses on the banking industry. The pros and cons of using a single score to evaluate consumer loans are provided. Bibliography lists 6 sources.

A 2 page paper how multinational corporations can hedge their future needs against changes in foreign exchange rates. In order to take advantage of exchange rates when the economy is expected to strengthen, multinationals need to take advantage of hedging—not speculative—derivative instruments. Companies such as Proctor & Gamble have lost billions in unsound derivatives ...

This 6 page paper provides an overview of derivative market analysis and trading techniques. Corn and wheat have been chosen as commodities on which to base profitability testing. A general analysis of the market from a corporate investment perspective follows. Bibliography lists 12 sources.

This 5 page paper discusses the concept of hedging inclusive of legal issues. Also discussed : under what circumstances the practice is most beneficial. . Financial hedging is the common practice whereby traders buy and sell a particular good or commodity in order to minimize loss which might be caused by price fluctuations or currency ...

This 6 page paper discusses various types of mortgages currently on the market as well as the economic ramifications of these instruments. Bibliography lists 5 sources.

A 7 page research paper on the real estate market in Canada. Issues concerning property specs, mortgages, and the general economy are discussed. Bibliography lists 5 sources.

9 pages in length. Certainly the real estate industry, both residential and commercial segments, were greatly affected by the downsizing waves on either side of the year of 1990, as were many others. With the sustained growth of the national economy, however, many of those depreciated properties have now regained and even surpassed their former ...

A 6 page paper discussing real estate in terms of history, regulations and careers available. There are a variety of ways real estate can change hands, every one of them regulated in some manner. Real estate careers involve the only natural resource we have that does not change in volume available. It can neither ...

A 5 page paper discussing three aspects of the sales contract: land description, adjustments of purchase price and mortgage commitment. The paper stresses that description of the land is in legal terms and is not a marketing description. Price adjustment, such as allowances for carpeting or repairs, is a common addendum, as is a contingency ...

An 8 page paper in two sections, one discussing the highest and best use analysis of a particular property, the other discussing the sales comparison approach to real estate valuation. Determining the highest value possible for a property is not always based on the existing improvements present on the property—it may be that the property ...

A 5 page paper which involves the analyzing of 4 separate articles relating to real estate investment trusts (REIT). An abstract of each article is included. This is followed by a discussion which illustrates how the 4 articles relate to one another. Also included is a section illustrating how these articles can be used to ...

This 2 page report discusses the floating exchange rate system and how it generates self-correcting changes and eliminates balance-of-payments deficits and surpluses. What happens when a country adopts a fixed exchange rate and the 'defends' its currency when investment funds dry up is also briefly discussed. The example of Thailand is used to explain ...

A 15 page paper discussing issues concerning trade and the exchange rate regime in a rapidly-changing post-Communist world. Various sub-issues such as the effects of exchange rate-fixing are examined in depth. This research paper is significantly more complex than excrate2.wps (above) and should only be considered by those knowledgeable of advanced economics/finance issues. Bibliography lists ...

This 17 page research essay describes and explains the factors involved in determining international exchange rates using Krugman's formulas as a point of reference and emphasis. The Bretton-Woods Agreement is first described in terms of its articles referring to exchange rates; the collapse of Bretton-Woods is discussed along with the results of the breakdown in ...

5 pages on the fall of the U.S. dollar. Discussed are its detriments and benefits; particularly with regard to U.S. foreign investment.

This 15 page paper examines the change in the value of the baht and the events which led up to the July 2, 1997 action which effectively started the Asian currency crisis.Various issues are addressed including the state of businesses within Thailand, effect on trading partners as well as the general economic effect felt around ...

This 15 page paper examines the Growth Triangle which consists of Singapore, Malaysia and Indonesia, in light of the New Institutional Economics that has recently become popular. The analysis includes projections for the future of the region and considers the currency crisis as well as Asia's political position in the world. Bibliography lists 15 sources.

A 7 page paper which discusses the many changes that have occurred in the financial banking institutes of Canada during the 1990's. Public choice theory is applied to these occurrences in helping to analyze the changes that have taken place. Bibliography lists 12 sources.

A short and simple 3 page overview of Fleet Bank and its various bank merger activities. Bibliography lists 4 comprehensive sources.

A 9 page paper discussing the merger of New England's largest banking institutions and including a brief discussion of the trend of consolidation within the financial industry. Banking industry analysts watch the melding of the two dissimilar companies with interest and warnings of increased operations risk, but with optimism for the new organization's ultimate ...

5 pages on late 1995/early 1996 trends in the G.D.P. Interest rates, housing starts, retail, etc; are examined. Bibliography lists 9 sources.