Essays and Research Papers on Personal Finance

This 12 page paper looks at British Telecom, also known as BT, which has faced difficult trading conditions with slow growth and high levels of debt. The paper looks at the way that this has been dealt with strategically, including measures such as divestment, the de-merger of O2 and the reduction of dividend payments. The ...

This 3 page paper argues that activity based costing (ABC) may have many perceived advantages, but these will often fail to be realised due to inherent problems within the system of ABC when compared to other costing models such as absorption costing. The bibliography cites 4 sources.

This 16 page paper considers three cases provided by the student and looks at different economic situations and answers a range of questions. The first case looks at supply and demand as well as social or commercial targeted investment, using the coffee growers of South Vietnam as an example. The second looks at long ...

This 4-page paper discusses costs of franchising by examining various financial statements of parent companies. Topics included are costs of franchising, how franchising impacts financial statements, and how franchising is a better investment than a wholly owned subsidiary. Bibliography lists 3 sources.

This 5 page paper analyses the extent to which measures of concentration can capture the degree of competition that exists in a given market. The bibliography cites 4 sources.

This 5 page paper considers what is meant by the time value of money. The paper explains the concept and then shows the concept has been used by companies in decision-making processes. The bibliography cites 5 sources.

A 3 page paper assessing the origins of the UK’s current position in international trade. The purpose here is to assess the statement, “The United Kingdom does not have balance of payments problem but exchange rate problem,” and the paper concludes that this statement is true. Any problems with foreign trade today are ...

This 3-page paper discusses analysis of Shell Oil's cost of capital report. Topics discussed include weighted average cost of capital and capital asset pricing model, then describes advantages and disadvantages to each method. Bibliograpy lists 2 sources.

A 3 page paper reviewing the growing trend of increased attention to corporate governance, particularly as it applies to auditor independence. The paper uses Enron as an example, of course, concluding that tighter governance controls lead to better reporting and ultimately to greater shareholder confidence. This is a positive effect for well-managed companies; ...

This 4 page paper examines the capital structure of Colgate Palmolive, looking at the debt and equity levels and the debt equity ratio as well as the efficiency with which the assets and equity are used as well as the company’s short term liquidity within the company. The bibliography cites 2 sources.

This 5 page paper looks at the life and times of John Maynard Keynes and how he derived his theories. Not only is his life and how he came up with his theories discussed, but it is discussed in the context of the day. How his theories are applicable to today is also included. ...

This 4 page paper examined discounted cash flow as an investment tool and looks at it advantages and disadvantages compared to other tools. The bibliography cites 5 sources.

A 14 page paper assessing the monetary implications of proposed expansion of an automotive body shop. The owner intends to retire after ten years and will sell the business at the end of that term. For the present, she needs to determine: (1) whether the expansion can be profitable; and (2) how she ...

This 3 page paper calculates the weighted average cost of capital at Colgate Palmolive., The paper looks at both the cost of equity and the cost of debt before brining the figures together for the WACC calculation. The bibliography cites 1 source.

This 3 page paper considers different risk assessment tools that can be used by commercial banks. Those considered are maturity gap, scenario analysis, simulation analysis and value at risk. Each model is described with the value at risk model in the most detail. The bibliography cites 5 sources.

This 5 page paper examines the use of value at risk as a assessment and management tool by investment banks. The paper beings by explaining what VAR is and then looks at the different ways it may be used and the different models that can be chosen. The bibliography cites 6 sources.

An 8 page paper which examines international free trade, WTO, and NAFTA in regards to economic content. Bibliography lists 8 sources.

This 4 page paper considers the experience of Panama as a result of dollerization. The paper considers the reasons for its adoption and how the economy has increased in stability following its adoption. The bibliography cites 4 sources.

This 5 page paper considers the use of the Capital Asset Pricing Model (CAPM) to assess risk, the paper demonstrates how it may be used and compares with an alternate tool of Net Present Vale (NPV). The bibliography cites 5 sources

A 3 page overview of the two views regarding the economic impact our current war with Iraq will have on the American economy. Those who support the war often contend that it will positively impact the economy much like World War II was successful in bringing us out of the Great Depression. Those ...

This 5-page paper undertakes various cost analysis regression of Lincoln Community Hospital in New York to determine its financial problems. The regressions are also analyzed here.

This 4 page paper outlined the value of forecasting to a business, including the different forms of forecasting and the way the results can be used by a business to plan for the future and to help in making decisions. The bibliography cites 2 sources.

This 6 page paper outlines the characteristics and tax treatment of whole of life assurance policies, unit trust, ISA’s, endowment policies, management bonds, term assurance, annuities and pension schemes. The paper is written with reference to the UK. The bibliography cites 3 sources.

This 6 page paper considers what cost drivers may be seen in healthcare, how they may manifest in a hospital environment and explains how they may be understood and used. The paper then uses past figures to project costs forward using regression analysis. The bibliography cites 7 sources.

This 4 page paper answers questions asked by the student concerning the way national economies will behave and interest rates will move when there is an increase in disposable income, a trade deficit and a trade surplus. The bibliography cites 2 sources.