Essays and Research Papers on Personal Finance

A 3 page paper discussing economic indicators and the state of the economy during the first quarter of 2007. The purpose of the assessment is to discuss the effects of the macroeconomy on business activity. Bibliography lists 6 sources.

Auditors and the audit function have been under the spotlight since the recent financial failures such as Enron. This 10 page paper considers whether or not the criticism of the auditors and the audit function been justified in relation to the above mentioned collapses. The bibliography cites 8 sources.

This 8 page paper presents a sales budget, production budget, cash budget, profit and loss account, draft balance sheet and break even analysis for a projected new business. All calculations are shown. The bibliography cites 1 source.

This 3 page paper starts by considering the potential risks faced by a business where the only source of funding is a relative. The paper then looks at other options for funding; the use of venture capital and the use of debt. The risks associated with both are discussed. The bibliography cites 4 sources.

A 3 page paper discussing the financial results of a fictional company, emphasizing its marketing expenditures relative to total revenues. No sources listed.

This 20 page paper examines the Australian business environment looking at a range of influencing factors concerning the background to the business environment including national and international interests, structure of the economy and general social, political and economic influences, the paper then examines the performance of the Australian business environment and national gratitude which ...

This 4 page paper looks at the five determinants of demand and considers the way in which they would be useful in strategic management of the business. Using the example of the bar the different determinants of demand and the way they can be used discussed, including influences of price, disposable income, advertising, complement in ...

This 13 page paper is written in three parts. The first part looks at what is meant by accounting discussing different types of accounting and why is undertaken. The second part of the paper looks at the way accounting is able to impact on a business. The last part of the paper examines the way ...

This 22 page paper looks at different aspects of risk measurement and management by banks. The paper starts by looking at the duration model, the gap or re-pricing model and the maturity model. The second part of the paper considers how and why liquidity is so important for banks. The last part of the paper ...

A 2 page paper calculating and presenting a contribution margin and determining breakeven point for Wal-Mart in 2002 and 2003. Values used for fixed and variable costs essentially are fictitious, but not entirely so as they are reported values for revenues, cost of goods sold and SG&A expenses used for sales, variable costs and ...

This 19 page paper consider the use of derivatives such as futures and option used as hedging to reduce exposure to risk in the airline industry. The paper considers the way they are used and undertakes primary research to ascertain if there is any link between the use of derivatives, the level of profit, the ...

A 5 page paper discussing McDonald's approach to currency risk management for its international operations. McDonald's finances in local currencies, hedges some cash flows and purchases supplies in local currency. Bibliography lists 7 sources.

This 5 page paper examines how and why computerization of the loan management process is superior to the former manual systems. The paper includes consideration of the application and ongoing maintenance processes. The bibliography cites 8 sources.

A 5 page paper discussing the planning function of management as it applies to the mortgage industry in 2007. The paper discusses legal, ethical, and social responsibility issues and identifies three factors influencing management planning. Those three factors are the economy, price pressures and loan quality. Bibliography lists 5 sources.

This 5 page paper considers what factors need to be looked at before a company decides upon, and implements a new management accounting information system. Factors discussed include functionality, current and future information needs, the decision whether to buy or lease and influence and impact on employees. The bibliography cites 5 sources.

This 13 page paper, including a 1 page executive summary, looks at the way in which ethics will impact on corporate governance and financial management. The paper shows how the different ethical approaches will influence the financial management decision making process and reflect in the results companies report. The bibliography cites 12 sources.

This 10 page paper considers financial management and the use of financial tools in medium and large companies looking at areas of differences. The bibliography cites 15 sources.

A 5 page paper discussing how Southwest Airlines applied the concepts of activity-based costing to its cargo business, with the result that it was able to reduce cargo-related expenses by 70 percent. Bibliography lists 4 sources.

A 10 page paper discussing the interest that a financial institution is likely to have in value-based management and value chain assessment for decision-making purposes. Value-based management rests on the concept of the value chain, consisting of the inbound logistics; operations; outbound logistics; marketing and sales; and service (The Value Chain, 2005) activities of ...

This 9 page paper looks at the way in which fund managers might welcome the use of hedge funds. The paper defines hedge funds and discusses the potential benefits for both fund managers and investors that may result from the correct use of his investment vehicle. Included in the paper is a discussion of the ...

This 6 page paper considers the way in which a retail firm may implement enterprise risk management as advocated by The Committee of Sponsoring Organizations of the Treadway Commission (COSO). The paper looks at the each of the elements of ERM and how they can be incorporated into company practices. The bibliography cites 4 sources. ...

This 14 page paper discusses the statement "As an organisation we pay a lot of money on insurance. There is therefore no need for us to invest time and resources in other methods of loss management." The paper discusses this looking at what losses insurance can cover, alternatives to insurance, the need for a ...

This 4 page paper looks at the differences between financial accounts and management accounts, considering the different types of users that will refer to them, the divergent purposes and the accounts, their differing characteristics and the types of decision making that they support. The bibliography cites 3 sources.

This 8 page paper discusses the way that a manufacturing firm could introduce an enterprise risk management system based on the Committee of Sponsoring Organizations of the Treadway Commission framework (COSO). The bibliography cites 4 sources.

This 7 page paper looks at the Disney Corporation between the years 2005 and 2007. The changes in the levels of the current assets and current liabilities are considered in terms of cash management and a projection is made regarding impacts that a 20% increase in revenue will have on the cash management. The bibliography ...