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Professional Athletics, 2004.
An analysis of the career of professional athletes, with a focus on necessary financial and retirement planning.
3,226 words (approx. 12.9 pages), 13 sources, MLA, AU$ 150.95
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Abstract
This paper analyzes the current situation in relation to the job duration of today's professional athlete. The paper examines the amount that is optimal for the savings plan of the professional athlete who intends to ensure a retirement that is at least financially stable, if not productive or in the best case, lucrative. The paper includes charts and tables of salaries, amounts needed to save and amounts currently saved if available. Further the paper explores whether today's professional athlete is receiving proper advisement in the area of financial matters by mentors in the athletics field.
Outline
Objective
Methodology
Introduction
Literature Review
Summary & Conclusion
From the Paper
"The International Foundation for Retirement Education or InFRE believes that one of the "foremost responsibilities are to promote the need for education and or advice from well-qualified retirement professionals." Further the Foundation (InFRE) believes that there is more to counseling individuals competently in terms of their retirement that assisting them in being able to communicate about investments, asset allocation, securities laws and the such. The InFRE organization has been in the process of working with elected officials in the initiative to offer education in the subject. The work entitled "Managed Accounts Model Makes 401(K) Advice Affordable, Easy and Unbiased" states that the "primary focus of the financial services industry" has been in signing individuals up but after that point had "largely left them to their own devices." (Henkel, 2002) The Foundation (InFRE) states that it is not the industry's fault entirely but also the employees who have access to advice concerning their retirement and don't utilize it. The question at hand is whether or not professional athletes receive proper advice or any advice as to their planning of finances for the future in terms of their retirement."
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Asset-Liability Management, 2005.
A description of the purpose and function of the business system known as asset management.
887 words (approx. 3.5 pages), 5 sources, MLA, AU$ 50.95
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Abstract
This paper describes asset management as the business system that enables a company to collect, maintain and manage a complete list of all the components possessed by the company. The paper then goes on to explain the concept and main objective of asset management. The paper also reviews another paper written on the related topic of estimating the costs of capital, explaining that, in the paper, the authors strived to find out the appropriate method for estimation of cost of capital with respect to insurance firms and that they proved their method (the full-information beta approach) to be an appropriate and dependable one.
From the Paper
"The difficulties in the estimation of the divisional cost of the capital are indicated to be the conglomerate firm itself instead of the division traded in the capital market. Universally, the pure play technique is applied to attain the desired results but specifically at the circumstances when a relatively large number of pure play firms of various sizes are found where it does not entail a satisfactory solution to the divisional cost of capital problem. Therefore, the paper applies a comparatively, new methodology, the full formation industry beta approach that resolves the principal problems of the pure play methodology. The paper mainly concentrates on demonstration of the full-information beta approach to cost of capital estimation applying a sample embracing all firms-insurance and non-insurance listed in the Compustat data base that caters to the selection criteria for the sample period 1997-2000."
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On-Line Banking, 2004.
An analysis of the growing phenomenon of on-line banking.
1,477 words (approx. 5.9 pages), 10 sources, MLA, AU$ 78.95
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Abstract
This paper discusses on-line banking--the ability to conduct banking transactions on the internet. The paper claims this is revolutionizing the way that consumers bank. The paper explains that behind this transformation is information technology. With its use, banks have been able to scale and secure transactions, provide the same and often more functionality than brick-and-mortar banks and evolve from mass marketing to one-to-one marketing. The paper examines issues of security and fraud in on-line banking.
Outline
Introduction
Consumer Readiness
Hardware Infrastructure
Security and Fraud
Software Functionality
Customer Relationship Management
Conclusion
From the Paper
"The popularity of online banking is soaring with more than fifty million adults banking online in the United States as of November, 2004, an increase of forty-seven percent during the past two years (Sullivan, 2005). It is the fastest-growing Internet activity. Home broadband connections are credited with driving consumer adoption. Those with broadband access are about twice as likely to have tried online banking as users with dial-up connections because broadband encourages users to do more activities online. Demographic characteristics of those more likely to have broadband access include consumers between the ages of twenty eight and thirty nine, and more affluent households, reflecting a group inclined to be early adopters of information technology."
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Revenue and Expenses, 2004.
An analysis of recognizing revenue and expenses in a legal service business.
2,418 words (approx. 9.7 pages), 5 sources, MLA, AU$ 118.95
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Abstract
This paper presents the different issues concerning the revenue and expense recognition, as identified by the Financial Accounting Standards Board in several documents over the past couple of years. The paper provides the theoretical base on which a discussion is developed around the type of revenue and expense, as related to a company's specific area of expertise. The paper explains and summarizes the findings for the company's president, with a series of conclusions thereafter.
Outline
Introduction
Revenue and Expense Recognition
Report to the Company's President
Conclusion
From the Paper
"GAAP is a set of specific common guidelines, provided by the institutions such as the Financial Accounting Standards Board, the American Institute of Certified Public Accountants and the Securities and Exchange Commission, about "acceptable accounting practices" . These acceptable practices should not necessarily be regarded as a set of ground rules. In fact, it is a common denominator, useful when foreign firms, especially auditing companies, proceed to financial verifications. The GAAP provide for an easier task from the auditing companies and anybody else who interprets the financial statements."
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The Role of the Modern Day Market Analyst, 2005.
Provides insights into the role of a typical business or market analyst in regard to the world of corporate finance and both public and private investments.
8,021 words (approx. 32.1 pages), 23 sources, APA, AU$ 276.95
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Abstract
This report aims to present some ideas that are associated with the role of the modern day market analyst and the influences they wield on corporations, shareholders and stakeholders. The report attempts to examine the specific roles of business and market analysts and presents views on some of the various connections between the analysts's assigned tasks. The report makes use of various approaches to accomplish this goal. One approach is to provide information about reports and equity valuation models and multiples and how they are used to provide insights into an analysis of a business or industry's value or valuation. The report also utilizes market and analyst specific history to demonstrate some influences analysts have had and will continue to have on corporations, shareholders and stakeholders. Another approach is to provide some market history and other associated insights into specific business sectors such as the technology, beverage, electronic and the pharmaceutical sector. These insights are used as specific tools to demonstrate the many manipulative persuasions market analysts can have and the various business results and comparisons they use to influence market direction and investor buying and selling habits.
Introduction
Role of an Analyst
Asset Bubbles
Efficient Market
Historical Change For The Analyst
Economic Indicators
Economic Value Added
Cash Value Added
Cash Flow Return on Investment
Industry Data
Results and comparisons
Use of the Analysts information
Conclusion
From the Paper
"To understand the historical role of analysts, consider the phenomena called Speculative or Asset Bubbles. Bubbles are an investing event that can be compared to a pride of lions all wanting a piece of a new antelope kill even if there is not enough to be shared. As is very often the case, investors get caught off guard as analysts inherently create bubbles that suddenly burst. These historical events clearly demonstrate the devastating effects analysts can have on the investment community even though they are simply doing their jobs by taking advantage of consumers' greed and or other flaws in the human makeup. "A bubble occurs when investors put so much demand on a stock that they drive the price beyond any accurate or rational reflection of its actual worth, which should be determined by the performance of the underlying company." "
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Islamic Banking, 2004.
A comprehensive analysis of whether entry into the Islamic banking market is a viable option for western financial institutions.
19,525 words (approx. 78.1 pages), 73 sources, MLA, AU$ 400.95
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Abstract
This paper considers whether the move to the Islamic banking market is viable for financial institutions. Included is an examination of the differences between Islamic banking rules and western rules, the potential size of the market, examples of successful Islamic financial institutions and the factors that contribute to the success of these institutions. Success factors including corporate culture, marketing considerations as well as financial issues are also explored to determine whether this market is a viable one for western financial institutions.
Table of Contents
Chapter One
Introduction
Background
Statement of the Problem
Definition of Terms
Purpose of the Study
Significance of the Study
Scope of the Study
Limitations of the Study
Research Questions
Overview of the Study
Chapter Two
Review of Related Literature
Western Banking Systems
The Sharia and Financial Transactions
Islamic Financial Institutions
Analysis of the Islamic Financial Market
Western Financial Institutions in the Islamic Sector
External Considerations
Chapter Three
Methodology
Research Design and Approach
Population and Sample
Calculation and Tabulation of Data
Data Analysis Procedures
Reliability and Validity of the Data
Chapter Four
Analysis of the Data
Chapter Five
Summary, Conclusions and Recommendations
Summary
Conclusions
Recommendations
Works Cited
From the Paper
"This way of using the language significantly distinguishes savings and loan associations from the activities that are undertaken by the commercial banks (Lawai, 1994; Bakar, 1999; Gambling, 1978). Credit unions also have various features that distinguish them in many ways from the more standard banks and from the savings and loan associations as well (Davidson, 1998). Concerning credit unions, it has been said that "like the savings associations, credit unions have traditionally been limited by statute to involvement in noncommercial deposit and consumer lending activities. However, while the savings associations have tended to expand their activities to the point where they may rival commercial banks in the offering of certain types of products and services in certain geographic markets, credit unions have to a greater extent maintained their original role. They specialize in providing more modest financial services to member/customers delineated in relatively narrow terms" (Maududi, 1975)."
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Portfolio Risk Management, 2005.
A discussion of portfolio risk management techniques used by risk managers.
1,322 words (approx. 5.3 pages), 8 sources, MLA, AU$ 71.95
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Abstract
This paper discusses and analyzes portfolio risk management techniques such as performance analysis, value-at-risk models, stress testing, Monte Carlo simulation and heuristic controls. Included in the discussion of each technique is a look at their strength and weaknesses.
Table of Contents
Performance Analysis
Value-at-Risk (VaR) Model
Stress Testing
Monte Carlo Simulation
Heuristic Controls
Conclusion
From the Paper
"In today's competitive banking environment, an important challenge is to ensure adequate diversification of revenue sources across products, market segments and market and credit risks (Sturzinger). Banks must assess their risk appetite and risk capacity as basic components of the budgeting and planning processes and identify their vulnerabilities through risk management techniques."
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E-Banking Operations, 2004.
An analysis of the emergence of e-banking operations.
1,600 words (approx. 6.4 pages), 6 sources, MLA, AU$ 84.95
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Abstract
This paper contends that in terms of speed, availability, operational ease or time saving, e-banking has become one of the most revelatory experiences in the way information technology was applied. It investigates the separate benefits and advantages that e-banking provides, both for the customers and for the banks where the services are available.
From the Paper
"Any enumeration of the advantages and benefits of e-banking should perhaps first start with a definition of the concept, which will highlight some of the essential profiles of e-banking. As such, e-banking refers to "a service (...) that allows you to conduct banking transactions over the Internet, using a personal computer, mobile telephone pr handheld computer, such as a personal digital assistant". These transactions generally range from simple bill payments, to B2B transactions and to money transfers between accounts."
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Employee Stock Options, 2005.
A look at accounting treatment of employee stock options, the benefits and disadvantages of stock options and present legislation of employee stock options.
13,680 words (approx. 54.7 pages), 13 sources, MLA, AU$ 400.95
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Abstract
This paper discusses the practice of issuing employee stock options as a benefit. The paper goes into detail about how a stock is exercised and what kind of tax benefits result. The paper also details past practices of accounting employee stock options and how these practices have worked. Also included in the paper, is information on present legislation and how that works or doesn't work to better the situation. Furthermore, the paper discusses the controversy brewing over such changes being made and explores the different viewpoints on the matter.
Introduction
Definition
Methods and Models
Controversy of Stock Options
Baseline: Americans with Stock Options
Recent Legislation
Economic Impact
High Tech Industry
The Cisco Company
Why Employees with Stock Options Should Worry About Valuation
From the Paper
"Within the last ten years a demand for changing how Employee Stock Options (also referred to as ESOs) are accounted for within an organization's financial sheets has been underway. Such a proposal for change has received much commentary from not only the financial community and corporate America but also key members of Congress, union leaders and the public. Such a response results from the uncertainty that such change will benefit businesses and economic growth in this country. It is feared that such change will have the opposite effect and cause America to lose its competitive edge in the global market. Still this has not stopped the fuel of the fire as the Financial Accounting Standards Board (also referred to as FASB) has struggled for an answer to such a dilemma."
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International Risk Management, 2004.
An analysis of financial risk management, with a focus on international markets.
939 words (approx. 3.8 pages), 3 sources, MLA, AU$ 54.95
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Abstract
This paper highlights key aspects of minimizing risk and maximizing profits, yet still engaging in fruitful and dynamic financial transactions. The paper contends that to minimize risk in financial markets on an international level, cooperation that crosses borders between business entities, is necessary. The paper explains that because of the obscure nature of the factors affecting currency exchange rates, in the form of politics, international economic business entities with mutual interests in financial stability must work together to minimize their own mutual risks regarding exchange rates, loans and currency values. The paper assesses that this is done by freely allowing for differentials in rates and disclosing all known information about their country's, company's and currency's financial health.
From the Paper
"No profit was ever made without taking some financial risk. However, economists such as John Eatwell and Lance Taylor have argued in their text Global Finance at Risk: The Case for International Regulation that international financial markets are intrinsically and particularly apt to pose the threat of risk to potential investors on an individual and a corporate level. Investors in finance base their decisions on guesses, not only about how other investors within a nation will behave, but also about national stability, which affects the stability of the currency. As markets have grown more global in scope, industrialized countries often have pursued a more cautious monetary policy regarding other nations."
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Mega-Mergers, 2004.
An extensive analysis on the merger and acquisition phenomenon in the financial services industry.
7,864 words (approx. 31.5 pages), 37 sources, MLA, AU$ 273.95
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Abstract
This study, while focusing on mega-mergers, examines the merger and acquisition phenomenon and proposes an explanation for the same. This research evaluates why stakeholders support mergers when the post mortem data suggest that most mergers are failures. Where applicable, the paper points to other industries that have parallel issues to the financial industry but the financial services industry seems to be ahead in the merger mania.
Table of Contents
CHAPTER ONE - Introduction
Statement of the Problem
Hypotheses
Purpose of the Study
CHAPTER TWO - Literature Review
Mergers on the Rise
Is There Actually a Problem?
Why We Undertake Mergers
Globalization
Deregulation
Technological Changes
Scale Economies
Mega-Mergers
Bank Mergers and Acquisitions
What Can Make Mergers Fail
What Happens When Mergers Fail
Definition of Terms
CHAPTER THREE - Methodology
Data Gathering Method
Limitations and Validity Issues
Validity of Data
Originality and Limitation of Data
References
From the Paper
"For various reasons, continuous growth is esteemed a desirable goal by company decision-makers. It seems to be very nearly a universal law that biological life begins to end when an organism's period of growth ends; it's all downhill from there. It follows that continuous growth will ensure a firm's eternal life. In other words, no firm can succumb to countervailing forces if it is always growing. Whether this is actually true is debatable; however, it seems true, and this is what makes it an important motivator for management. Growth itself can be undertaken not only for its own sake (the company should always be growing, no matter what) but also to solve certain business problems."
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Retirement Planning, 2004.
An analysis of the importance of financial planning for retirement.
1,567 words (approx. 6.3 pages), 4 sources, MLA, AU$ 82.95
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Abstract
This paper discusses the important issue of retirement planning. The paper claims that planning for retirement should begin as early as possible in life. It examines the necessity of setting goals and budgeting, as well as the crucial step of making investment choices. The paper acknowledges the difficulty in thinking ahead, but contends that the earlier the planning starts, the more comfortable the retirement will be.
From the Paper
"A comfortable retirement is a goal for most workers, but ensuring that comfort takes planning and foresight. Planning for retirement is much more complicated than opening a bank account or belonging to an employer-sponsored pension plan. While these are excellent beginnings, workers must plan for any and all events that can and will happen after retirement. Employees not only need to plan for retirement income, but they must also plan for the disposition of assets upon death. Employees need to decide where they will live after retirement, how tax matters with be handled, what insurance will be needed, and the list goes on. "
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Corporate Social Responsibility, 2005.
Uses the Enron case to examine the social responsibility of corporations.
2,000 words (approx. 8.0 pages), 11 sources, APA, AU$ 102.95
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Abstract
The case study is a close synopsis of the Enron case and its impact on consumers and corporate business practices alike. Prior to its collapse, Enron had been named one of America's top 10 admired corporations. Throughout the 1990s the company experienced tremendous growth and profits exceeding $180 billion, employing more than 30,000 people worldwide. Enron collapsed however and went bankrupt, a process that impacted stakeholders and resulted in numerous congressional investigations. This paper shows how the collapse of Enron wreaked havoc on the accounting industry like no other case in American history and called into question the adequacy of U.S. disclosure practices and the integrity of independent audit processes.
From the Paper
"The shareholders were very much affected by the Enron scandal. Ken Lay, the chief executive chairman of Enron profited off of shareholders by "pocketing millions of dollars from offloaded shares over the period of a few short years" (Veryard, 2004). Employees and other stakeholders in the company lost a majority of their life savings that had been allocated in Enron shares. People who had built up years of retirement funds found themselves without anything once the scandal broke. The moral injustice of the situation is inexcusable. "
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Accounting Ethics, 2005.
An examination of ethics and independence in the accounting profession.
1,420 words (approx. 5.7 pages), 5 sources, MLA, AU$ 76.95
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Abstract
There is no profession more profoundly impacted by the effects of ethical standards that the accounting profession. This paper examines how the effects of ethical and unethical behavior on independence and daily functioning are implicit in everything an individual in the accounting profession does. It also looks at how, due to recent scandals, there is a need for attention to ethical standards and training within the field of accounting.
Outline
Introduction
Analysis of Ethics in Accounting
Conclusions/Analysis
From the Paper
"Accountants in particular face many ethical dilemmas during the course of their career, and example of which is the client who threatens to seek a new auditor unless offered 'perks.' Accountants and other professionals within the accounting field are often in a position that allows a great deal of autonomy and independence, which also opens the door for increased temptation and the potential for unethical behavior. Accountants may act unethically for a variety of reasons, though as the text suggests many do so for personal benefit only or selfish reasons, which by nature is a product of natural human tendencies. "
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Banking, 2005.
A look at the various types of banks participating in the U.S. payment system.
3,357 words (approx. 13.4 pages), 7 sources, MLA, AU$ 153.95
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Abstract
This report focuses on the major economic and financial characteristics of Treasury Management, better known as the United States Payment System. The paper touches upon how the United States Payment System and the laws that governs this institution affects the life of every American citizen whether they have a bank account or not.
Introduction
What is the United States Payment System?
A Bank's Purpose
Past and Present
Check System
Types of Banks
Differences between Banks
Non-Banks
From the Paper
"These payment systems have bank participants, government securities settlement systems that are operated by the United States Federal Reserve System and a pair of principal clearing banks. The system also includes various clearing and settlement organizations for corporate and other types of securities. The United States Payment System requires well-functioning financial markets for its transaction flow and an extensive communications network. The communications and markets assure the system remains liquid and risk averse."
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Non-Profit Organizations, 2005.
This paper compares financial management in non-profit organizations and for-profit organizations.
2,905 words (approx. 11.6 pages), 11 sources, APA, AU$ 138.95
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Abstract
This page explains that non-profit organizations different from for-profit organizations in the way they manage their finances and provide their financial information to others because, rather than making a profit, they turn their money back into goods and services which help others, pay their employees and pay their operating expenses. The author points out five financial risks, which must be managed in a proactive manner by the board of directors. They are (1) the cost of lost opportunities, (2) financial crunches, (3) uncontrollable costs, (4) increased difficulty with recognizing revenues that meet forecasts and (5) the lack of a successful model for management. The paper stresses that the accounting differences between the two groups are (1) accounting for contributions, (2) capitalizing and depreciating assets, (3) functional expense classification and (4) use of both cash- and modified-cash basis accounting methods.
Table of Contents
Introduction
Literature Review
Analysis, Evaluation, and Critical Thinking
Summary, Conclusion, and Recommendations
From the Paper
"Nonprofit organizations often do not spend enough time dealing with financial issues because they are so focused on the mission that they are sworn to uphold. However, without paying attention to the financial issues as well, these organizations can run into real trouble. They need to orient themselves to the workings of their organization, financially, and they need to develop a budget that works well for all people involved and is realistic. Without a realistic budget, the organization will likely not succeed, because there will be constant struggle and upset regarding whether issues such as bills are dealt with efficiently and properly to ensure that the organization keeps running."
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