Essays and Research Papers on Personal Finance

This 40 page paper answers three questions showing the student how to analyse accounts in order to ascertain the performance of the company thought the results. The paper includes many issues and also demonstrates the calculation of numerous ratios. The final question then considers the impact different accounting policies may have on ratios. The bibliography ...

A 5 page paper discussing movement in unemployment rates and the economic health of the California economy during the summer of 2002. The fallout of the technology sector, particularly in high-tech, Internet-related companies, set investors on their collective ear. Few expected such a correction in market value of these companies, and the losses ...

A 5 page paper which examines the fundamental elements of “The Long-Run Performance of Firms Following Loan Announcements” by Matthew T. Billett, Mark J. Flannery; and Jon A Garfinkel. No additional sources cited.

This position paper examines why the U.S. "Aid to Dependent Corporations," also known as "wealthfare" is a bad idea. Included in the paper are the forms that the aid takes, and how U.S. taxpayers are forced to foot the bill for funding wealthy corporations and individuals. Bibliography lists 2 sources.

A 10 page paper. The hypothesis is made that during the oil crises of the 1970s, natural gas acted as a substitute for oil products, which resulted in increased employment in the natural gas industry in the Netherlands. The writer provides an introduction that explains the hypotheses, then discusses the discovery of natural gas in ...

5 pages. Husky Injection Molding Systems Limited is a company based in Toronto, Ontario and is listed on the Toronto Stock Exchange. This paper gives a background and financial analysis on this global supplier as well as information regarding the company's recent acquisition of an unsecured line of credit in the amount of ...

This paper examines the concept of TeamSAP as introduced by software giant SAG AG (as well as SAP Singapore). The information is presented as a case study, by which a problem was structured, and TeamSAP revealed as the solution. Also discussed was the effectiveness of TeamSAP on solving the problem. Bibliography lists 6 sources.

Examining e-commerce from the concept of developing nations, this paper discusses the explosion of electronic purchasing throughout the Third World -- and how various payment methods are made for electronic purchase of goods and services. Bibliography lists 6 sources.

This 5 page paper considers the role and benefits of keyman or key person insurance, and how it serves its target market. The writer concentrates on the Hong Kong market, but the ideas are transferable to other countries. The bibliography cites 8 sources.

This 5 page paper considers how Singapore developed during this period from an underdeveloped nation to a successful international state. The paper considers the changes that transformed the economic and industrial structure of the state. The bibliography cites 3 sources.

4 pages in length. When monies are lost through theft or fraud and are not recompensed, at year-end the loss incurred can more than likely be deducted as a theft loss as reported on the federal income tax return. If investments result in a loss in which the partner of that ...

8 pages. The sensitivity of a firm's operating profits to changes in demands as well as the opportunities and risks presented by such a cost structure is addressed in this paper with a focus on the airlines industry. With a current debt load of more than $110 billion, the airline industry is not ...

This 11 page paper discusses the role of accounting mechanisms and how they can be employed to make organisations more socially and environmentally transparent. The writers sites examples of companies to illustrate points raised. The bibliography cites 11 sources.

This 6 page paper provides an overview of the gross income tax in the state of New Jersey. Where it comes from, what it is used for and income distribution are some things discussed. The overall economy is discussed as well, particularly as it impacts the state of New Jersey. Bibliography lists 6 ...

This 7 page paper uses Xerox to demonstrate how to use both the weighted average cost of capital and the capital-asset pricing model to examine the cost of capital to a company, The writer explains both the models, why they are different and their weaknesses. The bibliography cites 6 sources.

This paper attempts to examine the macroeconomics of the airline industry, taking into account how each leg of the industry can impact passengers and economics. Discussions include the economic viability of the hub-and-spoke system, as well as the impact of unionized employees and rising energy costs on ticket prices. Bibliography lists 4 sources.

This 6 page paper takes a look at Alan Greenspan's policies and his role as chairman of the Federal Reserve. Why this man is applauded is evaluated. Economic theory and his policies are discussed. Relevant biographical information is included. Bibliography lists 7 sources.

This well written 32 page paper is a comprehensive study of the use of derivatives, such as futures and options for hedging. The writer begins with an in-depth look at what hedging is, why and how it is undertaken and the motivations that drive companies into hedging policies. The second part of the paper then ...

A 20 page paper discussing the global banking industry as it is and as at least one bank is designing it to be. "The world's local bank" is the slogan of Britain's BSBC Bank. This is a marketing paper, evaluating HSBC's position in its industry, trends in the global market and suggesting steps ...

This 6 page paper looks at economic forecasts from three different sources and consider why they are different and the reason for these differences, including the calculation methods and the interaction of the figures. The bibliography cites 4 sources.

This 7 page paper considers what is meant by job costing, how it differs from process costing, how and when it can be used, as well as the advantages and disadvantages in real world applications. The bibliography cites 4 sources.

This 50 page paper considers the use and value of gold as an investment. This in-depth paper puts forward the hypothesis that gold has a different role to play compared with other investments and due to the nature and longevity of the commodity, as well as the psychological association and international acceptance, gold is an ...

This 5 page paper examines the issue of monopolies in regards to the free market system. Specifically, this paper addresses how the free market system is disrupted my monopolies and discusses financial intervention by government and how democracy impacts this problem. Bibliography lists 3 sources.

This 22 page paper takes a look at the WTO agreement as well as its critics. Many examples are provided as the paper looks at controversial issues surrounding dumping and compliance with the rules. Criticism of the WTO in general is also discussed. Bibliography lists 35 sources.

A 6 page paper which examines many of the conditions which lead to homelessness and those conditions which involve the homeless. The paper discusses socioeconomic concerns, physical and psychological health issues, and environmental issues. Bibliography lists 8 sources.