Essays and Research Papers on Personal Finance

A 14 page paper discussing the activity of the US stock market over the past five years, reasons it behaved as it did and suggestions for decreasing volatility. The US stock market can be lucrative for patient investors who make good decisions. There are many more protections in place now that did not ...

A 10 page paper discussing Coca-Cola's changing status. Coke is still the world's most recognizable brand, but its own poor choices and a general decline in cola sales have combined to bring Coke to the point that it can no longer avoid some concerted action that can stop the slide. Generally, saying that ...

This 5 page paper considers the use of the conceptual framework as a basis for the judgement of an ongoing project and then considers the different historical conventions or perspectives on accounting. The bibliography cites 2 sources.

This 10 page paper takes an objective look at the statistics that result from the increased use of seatbelts. Using a wide range of data from a number of countries the statistical analysis indicated increased seatbelt usage also increases the accident rates, despite the increased protection it provides. Data included looks at accidents to drivers, ...

This 5 page paper considers how accounting standards and the required flexibility can create a conflict. This is seen in many countries one example are the Australian Statement of Accounting Concepts (SAC) 2: Objective of General Purpose Financial Reporting and SAC3: Qualitative Characteristics of Financial Information l conflicting with AASB 1041: Revaluation of non-current ...

A 7 page paper discussing the state of the economy. Alan Greenspan has gone before Congress in May 2002 to inform the legislators of the state of the economy and the intentions of the Federal Reserve. He outlines current economic indicators and qualifies rising unemployment to arrive at a conclusion to allow interest ...

This 5 page paper merely uses Pennsylvania as an example but generally addresses the logic of having excise taxes. The cigarette tax debate is explored. Taxes in Pennsylvania are compared with that of other states. Bibliography lists 7 sources.

A 5 page paper discussing short-term economic challenges. The still-emerging world economy ultimately will be managed online in some manner, whether via the Internet or over a series of intranets. Western Europe has simplified business there with the creation of the monetary union and a common currency. Shipping is becoming more efficient ...

This 6 page paper considers the different aspects of international standards for accounting. The writer first considers the reasons why this may be seen as beneficial, then considers how cases such as Enron may highlight accounting shortfalls. The paper finishes with a discussion of what international standards may mean for the audit profession. The bibliography ...

This paper examines theories of globalization as suggested by Thomas Friedman, and compares this with Alfred Chandler's business theories. Although the two men differ on what, exactly, impacts an economy, both agree that big business is a definite influence. Bibliography lists 2 sources.

This 5 page paper offers steps and tips for negotiating the purchase of a used car. It begins with doing one's research prior to going to see a used car at a car lot or dealership. Then, there are a number of things to do and not do when negotiating the price. Bibliography lists ...

This 12 page paper is written in four parts. The writer examines derivatives market, looks at the implications, different types of derivatives, including total rate of return swaps, credit default swaps, and credit-linked notes. The role of the International Monetary Fund is then considered and their role in resolving problems with derivatives in ...

This 5 page paper looks at the performance and accounts of AOL in order to ascertain if the AOL Time Warner merger has created synergy. The bibliography cites 5 sources.

This 8 page paper explains how interest rate changes will effect the economy. The increase or decrease of the rates, will have an impact on the disposable income and the way in which it will impact on the business cycle. The writer also considers the role of expectation and consumer confidence in relationship to the ...

An 8 page financial analysis for the startup business discussed in KSexecHlthSpa. Discussed are total startup costs; investors' expected contribution; first-year breakeven analysis; and anticipated cash flow patterns. Also included are sales forecasts for the first five years and pro forma profit and loss. No sources listed.

This 5 page paper provides an overview of the economic growth of Kenya and Tanzania as told by Lofchie. Agricultural factors and governmental control are each evaluated as factors. Bibliography lists 1 source.

An 8 page paper discussing a marketing plan for WorldPay, an online payment service focusing on business-to-business transactions. The paper adds discussion of the marketing mix and benefits to client companies to general background discussed elsewhere and not included in this paper. The paper concludes that WorldPay also needs to stress that its ...

This 5 paper identifies information sources and facilities that a Canadian or North American investor may find useful when looking to invest. The paper gives a information of discount brokerages, full service brokers, general and futures newsletter, internet sites and software that provide the relevant information and services. The bibliography cites 6 sources.

This 5 page paper discusses the differences between capitalism and socialism and promotes socialism as a viable system and one that the United States should consider. The writer especially promotes planned socialism. Bibliography lists 7 sources.

A 5 page paper assessing the effects of the marketing department's recommendation that a producer of an unnamed product lower prices by 10 percent. The purpose here is to assess the effects of this action on profits and competitive responses. The paper considers the 4 Ps of marketing, price elasticity issues and effects ...

This 5 page paper outlines the criticisms of the way earnings were reported in a speech; ‘Numbers Game’ by Arthur Levitt, Chairman of the SEC which was made in 1998. The writer argues that this is still just as relevant today and that the flaws in earnings reporting still remain. The bibliography cites 3 ...

A 7 page paper discussing unexpected wage movements in international trade. International trade theory says that as international trade increases, the wages of the unskilled labor of developing countries will rise, and to the detriment of the wages of skilled labor in rich countries. Not only has this not been the case in ...

14 pages. The current complexity and confusion surrounding accounting rules and regulations is finally getting detailed attention, thanks to the Enron bankruptcy. Although these problems are being addressed too late for the hapless Enron investors, perhaps such a travesty can be avoided by making some of the vague accounting regulations more detailed and ...

An 8 page paper discussing the state of ecommerce at these two banks. The key factors for success is continued assurance to customers that their transactions and their personal information remain secure, and that the banks keep their online banking services – including bill payment – free of charge to the customer. The ...

A 6 page examination of Thomas L. Friedman’s “The Lexus and the Olive Tree” as it concerns globalization and the Post-cold War era. No additional sources cited.