Essays and Research Papers on Personal Finance

This 7 page paper argues that the stock market has been inadequately regulated which accounts for the present problems and scandals. The paper further asserts that regulation may not be necessary anyway as it is only for the protection of the masses. Should the market be something for the less than savvy gambler? ...

A 12 page paper discussing all general aspects of adjusting to retirement. Citizens of most developed nations are not saving enough of their incomes to provide them with the retirement years enjoyed by those who retired in the 1980s and 1990s, and the economic conditions that existed then likely will not return. Those ...

This 16 page paper considers these two well known and comparable apparel companies. After looking at their background both companies accounts for the years 2001 and 2002 are analyzed using horizontal and vertical analysis and the use of ratios. The bibliography cites 6 sources.

This 5 page paper explains what is meant by credit creation, how it operates, why it is important and how the impact on the money supply can be calculated as well as how it interacts with wider policies such as supply and demand and monetary policy. The bibliography cites 8 sources.

An 11 page paper presenting a proposed costing system for a fast food restaurant. The paper is a management accounting exercise determining the profitability of a single menu choice. Includes 7 tables. Bibliography lists 1 source.

This 12 page paper considers what strategies and tools can be used to manage capital risks in international businesses. The paper looks at effective use of short and long hedging as well as the potential use of Eurocurrencies. The bibliography cites 6 sources.

Since the 1950’s there has been a continual increase in the level of leasing in the United States. Leases have many advantages when compared to loans and purchases, this 6 page paper consider these advantages which could explain the increased use of leases. The bibliography cites 6 sources.

This 5-page paper discusses Argentina as an emerging market on the global scene. The main thrust of this is that Argentina's economic health, though improving, is still not enough for this country to be a global player. Bibliography lists 2 sources.

This 7-page paper discusses measurements of national income (such as Ireland), circular income flow, and fallacies of both. Some economic figures about Ireland are also included with this paper.

A 3 page paper summarizing a 1992 article, “Rewarding failure and effort,” an article exhorting management accounting instructors not to discourage students who make real effort yet fail to arrive at prescribed conclusions. The paper discusses the article in terms of a management text, as well as examples from Mary Kay Ash, who the ...

This 20 page paper considers the argument that war is good for the stock market. The paper looks at the impact of war on the stock market, the paper takes a broad view before focusing on the London Stock Exchange and the Iraq 2003 war. The writer considers different theories that may explain movements which ...

This 12 page paper considers how and why the ideas of Karl Marx may be vulnerable to economism. The paper begins with a definition of economism and then looks at the economics ideas that are adopted by Marx in his different writings. The ideas of economism are then considered by examining his works and also ...

During the period 200 – 2004 the Now York and London stock market s fell. In the US there was a minor recession n the UK there was no recession. This 8 page paper looks to the theoretical explanations for the underlying reasons for the fall. Supported by two graphs that demonstrate the falls, with ...

This 7 page paper looks at the problem faced by Kodak as a result of changing technology and the increased popularity of digital cameras. The paper answers two questions; “What lies behind the market’s dismal assessment of Kodak’s near and medium term performance?” and “are Kodak shares under-priced, and thus an exceptional buy as leading ...

This 10 page paper considers how reliable the annual accounts of companies can be. The paper look at how annual account can and are used, and the ways that the results may be manipulated with creative accounting. The limitations are also discussed, including how some information may be omitted. The points raised are illustrated by ...

This 8-page paper discusses the impact of credit scoring on mortgages. Under discussion are various credit scores and how consumers can help keep them up. Bibliography lists 5 sources.

This 3 page paper discusses the statement that “we live in a world where poverty and inequality are increasing and increasing globalization has not benefited the poor countries”. The paper examines both sides of the argument using relevant data to support the arguments, before coming to a conclusion. The bibliography cites 5 sources.

A 3 page paper discussing the effects of increasing diversity on the Canadian economy. Diversity can be viewed as a threat to the Canadian economy only in the form of initial government expense in the structure that provides financial assistance to new immigrants. Overall, however, diversity represents nothing but pure opportunity for the ...

This 16 page paper examines DCDW Corp. The paper starts by looking at the background of the company, how it competes and its’ core competences. An in-depth financial analysis is then undertaken, with the use of many ratios. The paper then considers the drivers using the cost-volume-profit model, makes some projections for the income statement ...

This 5 page paper considers how an investment portfolio may be put together using bond, equities and international securities with data from the past six months performance. The paper shows the student how different models may be used and the impact of factors such as risk profile, the need for liquidity and term. The bibliography ...

This 10 page paper shows the student how a complex business decision can be made. A printing company have to choose whether to publish a new magazine, and if they go ahead with different types of promotions which have different probabilities of sales levels. The paper shows how the results can be calculated by looking ...

This 6 page paper examines this once proud company, looking at the history and the recent financial performance including a ratio analysis, before coming to the conclusion that this would be a very risky investment. The bibliography cites 6 sources.

This 32 page paper compares two companies that are both dominant players in the European low cost airline industry; Easyjet and Ryanair. Bucking the recent trends both have performed well, however, Ryanair has suffered due to the recent court case where it was found to have gained uncompetitive advantages when being given subsidies by a ...

This 10-page paper examines the process of cost accounting (also known as managerial accounting) in the U.S. Bibliography lists 4 sources.

A 16 page paper that begins by explaining how accounting standards came to be adopted in the United States in the first place, including the establishment of AICPA, SEC, GAAP and FASB. The essay then discusses the International Accounting Standards (IAS). Four specific standards are outlined: IAS 1, 24, 27, and 31 because they apply ...