Essays and Research Papers on Personal Finance

A 10 page paper providing vertical and horizontal analyses of Enron and WorldCom financial statements of 1999 and 2000, as well as several financial ratios including current ratio, debt/equity ratio and quick ratio, among others. The purpose here is to examine the balance sheets and income statements of Enron and WorldCom in 1999 and ...

This 5 page paper looks at the various states in the U.S.A. and discusses which arrangements are best. While less taxation is deemed most popular, state choices will largely depend upon personal needs. Bibliography lists 5 sources.

This 7 page paper examines the financial performance of gap using ratio analysis and projections to determine whether the shares should be bought. The bibliography cites 6 sources.

This 5 page paper addresses several specific topics/issues: a brief description of SAS 85 and its purpose; Statement on Auditing Standards that were superceded by 85 or that superceded 85; definition of 'subsequent events' as explained in SAS 85; definition of materiality as explained in 85 and subsequent amendments. Further, the essay provides a ...

This 6 page paper argues that the cause of the Great depression was the actions of the Federal Reserve and their use of monetary policy before and during the depression. This argument is made with reference to the relevant economic theories as well as historical facts. The bibliography cites 6 sources.

10 pages in length. To invest or not to invest: that is the never-ending question when dealing with junk bonds. The lure of high-interest investments can cloud some people's realization of just how risky this type of bond truly is; choosing a junk bond for no other reason than its potential return is ...

This 5 page paper examined what is meant by price theory and explains how the government has a direct effect as both a regulator of the economy and as a demand factor in the overall market demand. The paper includes 3 graphs to illustrate the points raised. The bibliography cites 5 sources.

This 6 page paper considers how liquidity is maintained in the UK economy. The paper outlines the way that the financial markets and intermediaries, such as banks and building societies in addition to the Bank of England are key in maintaining liquidity so that the transaction essential to an economy can continue. The paper focuses ...

This 26 page paper answers different accounting questions and give numerous example calculations of NPV and IRR showing how these calculation are carried out and how the information may be used.

This 7 page paper examines the issue of income segregation in two of America's biggest cities. This paper examines the history of such segregation as well as the various responses by various groups. Bibliography lists 10 sources.

This 10 page paper examines the financial position of Home Depot. The paper begins with some background and then considers the company in the context of the industry and sector before examining the company in detail and determined if buying the shares would be advisable and how creditors, suppliers and employees may feel about the ...

This 5 page paper considers how liquidity is maintained. The paper considers the role of the lender of last resort, the control of the money supply and how this supports the wholesale banking activities and credit transformation. The bibliography cites 5 sources.

This 10 page paper considers the potential impact that membership of the World Trade Organisation by China may have on the world economy. Looking at the poison of China and the current status of the world economy the paper argues that Chinese membership will have both direct and indirect effect which may result in an ...

This 5 page paper begins with a brief outline of Martha Stewart's background and how she came to form her company, Martha Stewart Living Omnimedia Inc. Her entrance to 'gracious living' began in 1972 with a catering business. It was the publication of her first book in 1982 that launched her into the public spotlight ...

This 12 page paper examines the finical position of Intel by answering pertinent question regarding financial ratios. The analysis includes explanations of the ratios and guidance on how they should be calculated. The bibliography cites 3 sources.

This 6 page paper considers why economists are so universally antagonistic to monopolies and if there are anything advantages to be said about monopolies. The bibliography cites 6 sources.

This 7 page paper, including 5 graphs, looks at how General Electric have dealt with macro environmental between 1990 and 2000. The bibliography cites 5 sources.

This 9 page paper considers the performance of Thorntons PLC, the UK luxury sweet goods manufacturer and retailer. The analysis looks at the years 2001 and 2002,. The paper then considers the use of EVA and MVA (Economic Value Added and Market Value Added) as a measure that could be used instead of the use ...

This 16 page paper examines a case study provided by a student looking at the potential return on a property investment and how the return may be calculated uses periodic return measures as well as multi-period measures such as Net Present t Vale (NPV) and Internal Rate of Return (IRR). The writer demonstrates how to ...

This 5 page paper discusses the thesis of the ecohomics of politics as they apply to both developed and emerging countries. Adam Smith's Wealth of Nations is referred to in terms of the economic developement criteria and the role of government. Bibliography lists 2 sources.

5 pages in length. There are a number of distinctions between buying a house and renting an apartment; while both situations present a combination of positive and negative attributes, one must consider the overall living arrangements in order to determine which option is most suitable. Bibliography lists 2 sources.

This 5-page paper discusses whether investors should measure the probability of risk when considering the final amount of a given investment upon maturation or if risk probability should also be measured during the actual investment period. Bibliography lists 6 sources.

This 24 page paper carries out an in-depth life cycle analysis of the credit card industry. The paper considers the background and development of credit cards and looks at the theory and application of the theory at the different stages; development, introduction, growth, shake-out, maturity and finally decline. The paper focuses on Diners Club as ...

A 5 page paper assessing whether Disney should hedge the yen royalties it expects to receive from Tokyo Disneyland beginning in 1985. Based on Harvard Case 9-287-058, the paper discusses the use of derivatives (currency swap); whether to hedge; and provides the formula for determining the Internal Rate of Return (IRR) to be used ...

A 5 page paper which examines the reasons for increased participation, including changes in the economy, higher education attainment, free contraception, women’s changing attitudes and the significance of part-time work. Bibliography lists 6 sources.