Essays and Research Papers on Personal Finance

This 5 page paper discusses an article provided by the student and shows how a decisions by the Federal Reserve to change interest rates may have consequences in the global economy. The bibliography cites 2 sources.

This 10 page paper considers the way in which different annual accounts users are perceived and how this is reflected in the accounting standards. The paper concentrates on the AASB 1023 which states that general insurance companies must include unrealised gains and losses in financial assets in the annual reports how this may be ...

Investment portfolios will need to match the risk profile of the investor. This 3 page paper considers how the risk of an investment fund or portfolio can be measures. The use of the beta and standard deviation are explained as suitable risk measurement tools. The bibliography cites 2 sources.

This 3 page paper explains what is meant by the income velocity of money, how this fits in with other economic theories and demonstrates how this can be calculated. The bibliography cites 3 sources.

Companies choose to expand and diversify for many reasons, this 4 page paper considers the different risks, such as exchange rate fluctuations, interest rate risk, inflation risk and political risk, as well as the potential benefits such as spread of risk and increased income. The bibliography cites 6 sources.

This 10 page paper considers a case provided by the student. A project has been proposed and the paper shows the student how to calculate the average accounting rate of return and examines the problem with using this assessment tool. The use of net present value, NPV, is then discussed and a calculation is performed ...

This 6 page paper considers a case provided b the student. The first question assesses if income due under a contract annually for three years will be classified as ordinary income or a capital gain. The second question then considers how it may be classified as a capital gain and which concessions may be ...

This 10 page paper examines the country of Singapore. The first part of the paper looks at the economic performance of the country, including GDP, manufacturing output, investment, importing and exports and unemployment. The paper then considers the social conditions. The second part of the paper discusses the colonial history of the island, how the ...

This 4 page paper considers a case study supplied by the student; PRODEM FFP a company supplying banking services to the low income sector in Bolivia. The paper examines the strategy that has been used to compete and create competitive advantages, the longevity of this strategy and why it is so effective. The second part ...

This 4-page paper explains investment basics by introducing a hypothetical situtation in which someone needs to double his/her $100,000 investment into $200,000 through use of stocks, bonds and other securities. Bibliography lists 1 source.

This 8 page paper compares the measures and accounting culture in the UK and Saudi Arabia to identify the divergent attitudes towards control the cash flow used to fund terrorism. The paper looks at the accounting regulations and the way they are enforced as well as the cultural difference, including the importance of Zakat in ...

This 5 page paper calculates the weighted average cost of capital at London Clubs International. The paper demonstrates how the cost of equity and the cost of debt can take place, with the different options all explained. The figures are then combined them to calculate the WACC. The cost of equity is calculated use the ...

This 25 page paper is a plan for setting up a skiing school in Switzerland. The paper starts by outlining the idea. The target market is assessed along with potential influences from macro factors. Financial projections of the profit, balance sheet, break even point and internal rate of return are also provided. The bibliography ...

This 25 page paper looks at how in investment portfolio should be put together The paper starts by outlines basic elements such as portfolio structures and consideration such as term, risk profile and liquidity and type of returns available. Investment theory is then considered as a means of determining what type of investments to make. ...

A 5 page paper discussing how change in exchange rates affects a nation’s balance of payments, using the US as example. Decline in the dollar’s value eventually leads to improvement in the balance of payments, but that effect may not be immediately apparent. As is the case with virtually every other economic shift, ...

This 3 page paper considers a case provided by the student. The paper looks at how a bond rating may be given, the way the yield to maturity on a bond may be calculated and the way interest payable may be calculated. The bibliography cites 1 source.

This 9 page paper considers how important the role of institutions are for the economic transition of the Eastern European economies. The paper starts by defining what is meant by an institution, and then shows the influence by making use of many examples to illustrate points raised. The paper argues that it is lack of ...

This 5 page paper focuses on a 2004 economics article written by Cooper & Madigan. Macroeconomic terms are pulled from the article and defined. Updated information is used to review the authors' predictions. Bibliography lists 5 sources.

This 5 page paper answers two questions asked by the student; 1. why interest rates on bank deposit accounts and yields on “junk bonds” are different, and 2. the meaning of and the significance of the price earnings ratio explaining what is likely to happen to a share and its' p/e ratio if there is ...

This 11 page paper considers the way impulse purchases are made. The paper begins with a consideration of purchase models and then uses data supplied by a the student to determine which groups of respondents to a survey are most likely to make an impulse purchase of a share. The result supplied by the student ...

A 10 page paper discussing how a financial planner should approach assisting clients in better planning for their retirement years. The 50-year-old client may not gain the kind of retirement he would have liked to have had, but beginning at 50 is greatly preferable to waiting until later, or not beginning at all. ...

This 5 page paper considers a suitable acquisition for Walgreen's, the US chain of pharmacies. The suggested target is Rite Aid Corp. The paper outlines why this is a good target and the way value can be created. The bibliography cites 3 sources.

This 5 page paper examines the strategy of the Bank of Scotland, now part of the Halifax Bank of Scotland group (HBOS). The paper looks at how the bank chooses to compete, what segment of the market is targeted and how, the impact of macro some macro factors and the importance f elements such as ...

This 8 page paper helps the student answer a case study where a company needs to cut down on the level of accounts receivable and accounts payable. The paper shows how to calculate the average collection periods and payment periods and how different measures may impact on the company performance. All calculation are shown. ...

This 8 page paper looks at a case supplied by the student. There are offers for four contracts, the student is shown how to calculate the value of the contracts and how to calculate the net present value of the contracts.