Essays and Research Papers on Personal Finance

This 5 page paper briefly compares five computer companies in terms of P/E and estimated growth over a five year forecast. The companies evaluated are : IBM, Hewlett-Packard, Gateway, Dell, & Compaq. Recommendations for Buy and Sell are offered based on the data presented. Bibliography lists 3 sources.

This 8 page paper examines the issue of credit card fraud, and highlights the extent of this growing economic problem. This paper presents generalized information on the subject as well as information about computer credit card fraud as it specifically relates to Australia and New South Wales. Bibliography lists 8 sources.

A 5 page paper presenting a current situation at this company and the result of capital budgeting analysis assessing whether the company should expand its current computer system. Net present value is positive, and based on conservative estimates of net cash inflows resulting from the addition. The paper recommends that the company proceed ...

This 5 page paper considers the history and development of Apple Computers and then examines the company’s’ financial performance between 2003 and 2005 looking at the growth in revenue, share price performance along with vertical and horizontal ratio analysis. The bibliography cites 4 sources.

This 12 page paper looks at the background of Dell, outlining the company’s development and current position, The writer then looks at the company’s financial performance over a five year period using key ratio including sales growth, operating profit margin, net profit margin, earnings per share, price earnings ratio, return on assets and equity, debt ...

This 6-page paper discusses specific examples of how technology has impacted personal finance. Bibliography lists 4 sources.

5 pages in length. In any financial analysis of a company the first goal is to measure the company’s profit to determine the cash flow that shareholders can expect to receive from owning the company’s common stock. Financial managers strive to maximize the company’s profit and minimize risk in order to maximize the stock price. This paper examines ...

This 14 page paper provides an overview of technological changes that have influenced banking. Online banking is discussed along with other aspects such as authentication, ATM cards and how paperwork has been reduced due to technological offerings. Bibliography lists 7 sources.

Some people choose a banking facility based on proximity to their home or employment. Others shop for the best rates, the most services or the availability of incentives. An option that is gaining popularity in this, the computer age, is banking and paying bills through the Internet. Financial transactions such as checking, savings, credit ...

This 5 page paper provides an overview of how the tax accounting function has been computerized. How the profession has changed since the 1960's is noted as well as the effect that computers have had on the accounting function. Bibliography lists 3 sources.

A 5 page paper summarizing an article highlighting aspects of an effective online accounting application. The Internet offers some intense opportunity either for success or failure. Common sense appears to be more common than before the fallout of the technology sector in the summer of 2001 and before the collapse of Enron and ...

A 10 page paper discussing the benefits and problems of automating these two accounting functions in the real world. AP accountants need to reconcile invoices at several steps before final payment authorization is made, a process that has been standard for decades. As the pace of business increases, however, the time delays in paying outstanding invoices are ...

This paper examines the attraction of venture capitalists to the field of biotechnology. Topics discussed include why VCs find this field so desireable, particular investment behavior, and why biotech is reliant on VC financing. Bibliography lists 10 sources.

A 7 page paper comparing the effects of the industrial revolution and the digital age. The industrial revolution was a true 'revolution,' the likes of which had never before been seen. Such is not the case with the Internet, however. There are aspects of the Internet that can be said to be revolutionary, and of ...

A 3 page overview of the upcoming 2009 third annual IT Audit Research Symposium. This paper outlines topics and speakers. This paper emphasizes the upcoming release of the two newest Global Technology Audit Guides as well.

This 40 page paper provides an overview of the use and impacts of technology in the banking industry in the United States. This paper integrates a contextual view of the impacts of technology through an assessment of the history of banking and the changes that technology has brought about. Bibliography lists 30 sources. ...

A 7 page paper discussing several ways that technology has enhanced auditing’s ability to provide greater value to the organization. CAATTs greatly increase the auditing product’s usefulness and reliability, for many can identify and highlight trends far more quickly than can people. Continuous monitoring of the data included in the audit process allows ...

This 6 page paper provides a plan for automating accounting procedures through the use of technology. This paper determines the correlation between accounting principles and the planning for the use of technology. Bibliography lists 4 sources.

This 14 page paper considers the way in which information technology has influenced economic growth globally as well as regionally in Asia and nationally in Taiwan. The paper looks at each of these areas comparing and contrasting the impact and the influence of IT on the areas economies both directly as an industry and indirectly ...

6 pages. With the advent of the Internet and interactive websites, our lives are becoming more tied to our computers than ever before. One of the most exciting and popular concepts is that of e-trading; that is, electronic stockbrokers and investing online. Not only is this useful in the trading of U. S. stocks, but ...

This 15 page paper discusses at length technology's influence on the stock market. Examples of Enron's collapse shown, as well as trends from the past. Greenspan's theories, interest rate increases, and other the wealth effect discussed. Bibliography lists 20 sources.

This 5 page paper looks at the problem of the increased use of technology in banks resulting in the closure of branches and the problems this causes for rural communities. The paper suggest several solutions to this problems and maintains that there is a niche market in rural banking which can also be used ...

This 8 page paper looks at the ways in which technology has effected and will effect the banking sector. Issues covered include the effect on employees and the level of customer service, Internet and telephone banking as well as new innovations which are still being tested such as biometrics and talking teller machines. The bibliography ...

This paper, written in tutorial form, attempts to discuss how best to stabalize the world's economy. Included in this paper are discussions about causes of inflation, as well as "fixed" versus "floating" currencies. Bibliography lists 2 sources.

This 4 page paper is written in two parts. The first part is an example of a cash flow statement using the indirect method. The second part of the paper then considers how the statement is it together, who might find the information helpful and the differences; along with some advantages and disadvantages f ...