Essays and Research Papers on Personal Finance

This 12 page paper looks at the push and pull factors for diversification as well as merger and acquisition in the banking industry. The paper considers the way in which these strategies may increase value in the companies and looks at how this may, or may not, occur. The bibliography cites 13 sources.

This 5 page paper looks at the cost of Medicaid prescriptions and uses regression analysis to try to forecast the future costs. When looking at this in terms of a yearly pattern the paper looks at other potential influences such as inflation, population levels and unemployment levels to find the best correlation. The bibliography cites ...

This 3-page paper provides an overview of macroeconomic conditions in the U.S., and offers predictions about what is likely, based on this year's figures, to happen during 2004. Bibliography lists 4 sources.

This 9-page paper discusses how inflation impacted the Israeli economy during the latter part of the 20th century. Topics under discussion include fiscal mismanagement and the Economic Stabilzation Program that effectively ended the country's triple-digit inflation. Bibliography lists 8 sources.

This 10 page paper assesses Microsoft as a potential investment. The paper looks at the future potential by considering the current product lines and revenue streams and then undertakes a financial analysis of the performances of the company using both horizontal and vertical measures as well as comparing the performance to the industry as a ...

This 11-page paper focuses on the main reasons for the Asian financial crisis, and how it impacted the fast-growth pardigm the region was experiencing prior to 1997. Bibliography lists 16 sources.

This 4-page paper focuses on use of the historic cost accounting method. The paper discusses the benefits of such a method, then tries to apply the method to valuation of a physician's practice. Bibliography lists 2 sources.

This 12 page paper examines the structure of the banking and financial services sector in the UK, looking to the industries that have created the current structure. This is then compared to the US, where the great depression impacted more deeply on the sector, and had reinforced greater separation and fragmentation, but where change is ...

This 20 page paper considers how any CEO of a company wishing to create value may look to accounting measure for indication of how t create value and how to measure it. The paper looks at the IT industry and uses Hewlett Packard as an example, by looking at it prior to the merger with ...

This 3-page paper focuses on sub-prime mortgages and the market to which these are targeted. The paper also discusses closing points, down payments and potential predatory practices. Bibliography lists 4 sources.

This 8 page paper considers why firms are increasing their borrowing and the underling reasons, such as the desire to increase value though investment or change. The paper considers the reality behind these perception and the advantages of increasing debt. The paper then looks at the disadvantages of increasing debt and the long term dangers. ...

Efficient Market Hypothesis, EMH, was developed in the 1960’s by Eugene Fama, today the theory remains one over which there is controversy. This 9 page paper begins by outlining the theory an the three variations; weak, semi-strong and strong. The paper then considers the evidence for each of these forms and looks at the way ...

This 3 page paper argues that the elimination of Glass-Steagall was a good idea. Examples, illustrations given. Bibliography lists 1 source.

This 11 page paper examines the role of non-deposit taking institutions (NDTI), such as general insurance companies, unit trust companies and pension providers, and how they are important in the role of intermediary. The paper looks at the general position an intermediary of this type and then more specifically at an example; Royal and Sun ...

A 2.5 page paper. Should the central bank be independent? The writer reports the purpose and duties of a nation's central bank and the fact that independence is becoming a more accepted notion. The essay also comments on the reason central banks can never be completely independent. Bibliography lists 4 sources.

A 7 page paper comparing the central banking systems of Argentina and the US. It appears that the primary difference in the central banks of Argentina and the US (aside from direct government involvement) is the ability of each to control the money supply as well as interest rates as instruments used in fine-tuning ...

This 6 page paper outlines what is meant by Eurocurency, such as the EuroDollar and paper considers the development of the market. The paper then looks at the role this market plays and how it is different from the domestic money markets. The bibliography cites 5 sources.

This 9 p-age paper looks at how accountants refer to full cost whilst at the same time using contribution theory and break-even analysis and critically appraises the two approaches which appear to contradict to each other. The bibliography cites 10 sources.

This 5 page paper discusses the statement that positive accounting theory can explain the greening of financial accounting disclosure but that it cannot provide a framework for improving it. The paper considers the link between positive accounting theory (PAT) and how it does or does not explain the increasing disclosure of environmental reporting and whether ...

This 3-page paper focuses on Keynesian theory and how it relates both to the GDP and fiscal policy. Bibliography lists 2 sources.

A 4 page paper discussing the likely future performance of Britain’s Debenhams, using the performance of House of Fraser and Marks and Spencer for comparison. The paper provides 6 financial measures (EPS, current ratio, net profit margin, etc.) calculated from the three companies’ annual reports for 2002 and 2003. The discussion that follows ...

An 11 page paper discussing Frito Lay’s financial position. No $27 billion company is going to fold because it underperforms its industry for a time, but Pepsico needs to analyze its positions in its various industries to determine the origin of the drain on the overall parent company. Many companies have coasted on ...

A 4 page paper assessing the state of the US economy and the response of the Federal Reserve Board at the end of 2003. In a speech made to the American Economic Association in early January, 2004, Fed governor Ben S. Bernanke reviewed the state of the economy; provided rationale for the Fed’s actions ...

This 10 page paper considers a case provided by the student. The company has two scenarios. With two production lines an offer has been made by a Japanese company to rent one for a fixed price, this is assessed in terms of the risk reduction against the weighted probability of the profit that will be ...

A 3 page paper discussing Harvard case 9-184-169, Waltham Motors Division. The manufacturing plant lost an important customer during the recession of 1991-92, and the accountant has hastily put together a performance report for the plant. Closer inspection reveals that the accountant has performed poorly himself. The paper provides a break-even analysis ...