Essays and Research Papers on Personal Finance

This 15-page paper attempts to explain the statement that the banker is not a middleman, but rather, someone who authorizes people, in the name of society, to innovate (Schumpeter). The paper supports this assertion by providing research that discusses the role of banking and bankers. Bibliography lists 18 sources.

This 30-page paper analyzes economic trends under three U.S. presidents: George H.W. Bush, Bill Clinton and George W. Bush. Topics discussed include unemployment, stock market, earnings and interest rates. Also discussed are racial disparities in terms of unemployment and wages. Bibliography lists 10 sources.

This 2 page paper evaluates the importance of currency valuations. The exchange rate for the U.S. dollar is evaluated in respect to the past several years. A discussion on the importance of currency to business is also included. Bibliography lists 3 sources.

This 5 page paper considers some cases of whistleblowers and the way in which they have brought cases and been treated. The paper argues that the new Sarbanes-Oxley Act of 2002, which gives some protection to whistleblowers is of limited value and that the real change which is required is a change in the culture ...

This 3 page paper looks at a few sectors, and also generally evaluates the American economy during its Civil War in the nineteenth century. Reconstruction is touched on as well. Bibliography lists 3 sources.

During 2001 the South African collapsed, with no logical or immediately apparent reason. This 5 page paper argues that there were many smaller causes that contributed to the fall, but that the overall cause was the lack of confidence in the government and the perception of inefficient economic management. This is supported by the recovery ...

This 2.5 page paper discusses the benefits of process based accounting (also referred to as activity based accounting). Also included are case studies as to how this system works. Bibliography lists 5 sources.

An 8 page paper discussing operations problems at ABC Company, which imports and distributes tiles. The company uses the Economic Order Quantity (EOQ) approach to inventory management so as to gain the most advantageous price on tiles that it can. Of course this is in ABC’s best interests, but there are cost factors ...

This 4 page paper discusses the statement that “despite its’ limitations, the principle of historical cost is still used in accounting”. The paper makes reference to the departure form historical costing with the use of revaluation and asset impairment regulations and the way in which historical cost may also be seen to support other conventions ...

This 7-page paper focuses on amortization of goodwill versus impairment testing, as reported through FASB statements 141, 142 and 144. Bibliography lists 7 sources.

4 pages in length. Foreign investment has become the lifeblood of globalized international commerce. The extent to which the influence of foreign investment improves social, political and economic standards is both grand and far-reaching; that nations across the world continue to experience advantageous results speaks the growing and inextricable relationship between global commerce ...

This 13 page paper, including a two page annotated bibliography, looks at the influences on prices within the airline industry, The paper includes explanations of price theory and the impact of supply and demand and the different influences of on supply and demand. These are then applied to the airline industry and ticket prices. Examples ...

This 6 page paper considers what is meant by market failure and the causes of market failure. When examining the causes examples are given to illustrate the points raised, specific attention is paid to market failure issues that will impact on developing nations. The bibliography cites 2 sources.

This 4 page paper considers the influences on the preparation of annual accunts. The first part of the paper examines the use of the historical cost convention, how it is used the advantages and disadvantages of its’ use. The second part of the paper look at the role of the investor or shareholder as the ...

This 7 page paper looks at Itron Inc, what they do, their position within the industry and conducts an industry analysis on the company before considering the financial performance in comparison to other companies in the same industry. The bibliography cites 3 sources.

This 6 page paper takes a sociological view of the problem. It is also looked at it economically and historically. How unemployment hurts communities is discussed along with other issues. Bibliography lists 9 sources.

This 17 page paper considers the different ways of calculation the cost of capital. The different methods include looking at the cost of equity and the cost of debt, with consideration of how the CAPM (capital asset pricing model), can satisfy the calculations for the cost of equity. The use of the weighted average cost ...

This 5 page paper provides an overview of the theory and also goes on to critique it. A definition is included. Bibliography lists 10 sources.

This 5 page paper provides an overview of teen unemployment and why the rate is so high. Demographic data is the focus of this paper that looks at differentials in terms of race, age and gender. The paper is replete with statistics. Bibliography lists 7 sources.

This 9 page paper helps a student to assess a project. The paper starts out by calculating the cash flow and then looks at the NPV and how it will be impacted by different inflation rates and the impact of changing set up costs.

This 8 page paper explains the meaning of several economic concepts. These include the role of supply and demand and what is meant by elasticity and how it can be calculated. The difference between nominal and real rates, with examples, the difference between flow and stock, different types of value such as face value, present ...

This 12 page paper examines the company Coca-Cola, stock symbol KO, looking at the general background and performance before undertaking an in-depth financial analysis using ratios to examine both horizontal and vertical analysis. The bibliography cites 10 sources.

A 6 page paper. There were 5 major international financial crises in the 1990s. What were some of the causes and what reforms have been installed to avoid and manage such crises in the future. This is an overview that provides some of the thoughts of economists regarding two of these crises, reforms made ...

A 10 page paper that discusses the premise that the U.S. is in a financial bubble. What is a financial bubble? That is explained. Economists agree the economic 'recovery' has been a cycle of starts and stops, leaving experts and executives very cautious. More than 2 million jobs were lost between the early part of ...

This 6-page paper discusses regulated markets as it pertains to energy companies. Two articles referred to deal with Virginia's Dominion Energy and Illinois' Commonwealth Edison. The paper discusses whether market deregulation in this industry has, indeed, spurred competition and been beneficial for the consumer, or if it's created more market inefficiencies. Bibliography lists 2 sources.