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Uttar Pradesh and Tamil Nadu: A Comparative Study in Micro-Finance - (In the following sections we would review the existing literature in this field. Then we would proceed to explain our research methodology that we adopt in order to explain the growth of microfinance in the country and bring out the a comparative study of the growth of microfinance in the two states of Uttar Pradesh and Tamil Nadu.) Literature Review- Studies analyzing the Micro Financing in India- Micro finance has been a field which has attracted a lot of research work. A review of the major research works of economists and sociologists provide us with interesting insights on issues related to microfinance....   [tags: Economy, development, India]
:: 17 Works Cited
1688 words
(4.8 pages)
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Foreign Direct Investment - For growing economies, Foreign Direct Investment (FDI) has momentous advantages over equity and debt capital flows. Most of the foreign firms that start their conduct of business in other countries, they not only come with capital but transfer modern technology, promote human capital by training the host country’s employees according to the change of technology to those countries, and this is the key for the development of the host country. According to author Direct Investment replicates aspire of acquiring an enduring awareness by an inhabitant body of one economy that is the direct investor in a venture that is occupier in another economy which is called the direct investment enterprise....   [tags: Finance] 1576 words
(4.5 pages)
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Student Bank Loans? - Most of the students are always eager to go to the last stage of their educational program and attain the highest degree. This is also very important for their professional lives too. The students need to make sure that they have attained the good results or, good marks in their examinations. But, these are always like dream for the students having less financial abilities as the higher education needs you to have some money for managing the academic expenses. This becomes really impossible to carry out the personal expenses even if a student manages the academic expenses....   [tags: Finance] 583 words
(1.7 pages)
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How the Merchants of Venice Created Modern Finance by Jane G. White - How the Merchants of Venice Created Modern Finance, Jane Gleeson-White explores the development of double-entry accounting from its ancient roots up to its impacts on modern day society. She shows that the effects of double-entry accounting are widespread and encompass almost every aspect of life, not just those involving accounting and finance. Gleeson-White delves into topics ranging from the economic system of capitalism to environmental degradation. She even includes a brief psychology discussion comparing corporations to psychopaths....   [tags: double entry accounting, capitalism]
:: 1 Works Cited
1138 words
(3.3 pages)
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Finance for the Youth - In a Business Week article, Mr. Ben Steverman discuses issues facing today’s youth. The article is titles “Advice for Young Investors.” The article discuses two individuals who are 22 years of age, both are just beginning their careers. One individual is attempting to pay off student loans quickly and then save money to travel. The other individual is attempting to purchase real estate and invest within the market. Mr. Steverman discusses ten important factors for which young investors need to consider when approaching the market....   [tags: Cash, Buying a Home, Equities, Savings]
:: 1 Works Cited
1263 words
(3.6 pages)
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A Closer Look Into the Major Sources of Finance Avaliable to Business - A Closer Look Into the Major Sources of Finance Avaliable to Business In this assignment I am going to describe the major sources of finance available to businesses, and also give the advantages and disadvantages of each of the source. Before explaining the major sources of finance available to business, advantages and disadvantages, I am going to list or give the type of sources of finance available to organisation and also tell you the reason why business need finance. Sources of finance available to business Overdraft: This is when the customer borrows from the bank by taking out more money than they have in their bank or When the amount of money withdrawn...   [tags: Papers] 1529 words
(4.4 pages)
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A Case Study of the International Finance Corporation in Nigeria - IFC Mission- ‘To promote sustainable private sector investment in developing countries.’ “The World Bank’s role, in my opinion, is to help improve the business environment in the developing countries so that the private sector can drive growth.”- Mr. Peter Woicke, Executive Vice President of the World Bank Group (WBG) in charge of the International Finance Corporation (IFC) - Lagos, August 2004. At the time Mr. Woicke was speaking, IFC involvement in Nigeria had reached $200million in investment commitments, a figure quickly surpassed in less than a year from that date (as at June 2005, IFC investment in Nigeria was to the tune of $290million)....   [tags: Economics Business Case Study Essays] 4147 words
(11.8 pages)
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Finance and Accounting - Demand and Supply Demand and Supply are two crucial elements of a business’ success. Demand is the amount of the product/service that is required to meet need. Supply, is the amount of a product/service that is available to fulfill that need (at a specified price). As the service offered by the business is one of luxury, the amount demanded by customers will be highly influenced by the economic state. Therefore the main factor that will affect demand for it is price i.e. ticket, food and merchandise prices....   [tags: Economy, demand and supply]
:: 9 Works Cited
1923 words
(5.5 pages)
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Creating Financial Security for College Students/Graduates - Creating Financial Security for College Students/Graduates          One of the biggest problems facing students today, is the fact that there is no real financial security after earning a degree. Many students find that the little amount of financial aid available, is not satisfactory to provide a stable source of payment for tuition. This is exaggerated by an exorbitant cost of the ever rising education costs. The facts are, it is expensive to get a higher education, and there is little alternative to receiving a degree....   [tags: Finance]
:: 13 Works Cited
3229 words
(9.2 pages)
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How is Technology Enabling Banks to Implement Financial Inclusion in India? - India is the second most populous country in the world with over 1.21 billion people, a staggering number that constitutes over 1/6th of the words populations. India is projected to surpass China by the year of 2050 with a population estimated to be 1.6 billion. A dominating proportion of India’s population constitutes of more than 700 million people who live in the rural areas of India far from the glamour of the city lights. These people are the hardworking farmers, the backbone of India who are ironically, underserviced and ignored....   [tags: Finance] 1722 words
(4.9 pages)
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Teaching Our Children to Make Good Financial Choices - Though the concept of the “American Dream” varies from person to person as well as location, most collectively think of it as a happy nuclear family, complete with a house in the suburbs, white picket fences, a tire swing in the front yard, front porch swing, and a dog bouncing about (Calder, 1999, p. 3). So what does it take to acquire this dream one may ask. The answer may seem simple, but rather is the product of years of credit and debit management, defined by the ever illusive credit score and intertwined with financial success, and hard work....   [tags: Finance ]
:: 13 Works Cited
1696 words
(4.8 pages)
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A Safer Approach to Retirement Planning - Planning for retirement should not be based on Social Security alone, but rather, by saving portions of personal earned wages and putting finances into long-term investments. Depending on Social Security as the only income after retiring is a lazier and undependable way to prepare for retirement. People who contribute to Social Security are mandatorily putting money into the Social Security Reserve; the money is used for older generations that will file for these benefits before the younger people working in the early 21 century even receive the chance....   [tags: Finance]
:: 2 Works Cited
962 words
(2.7 pages)
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Credit Card Debt Among College Students - The explosion of credit card use among college students has woven itself into the fabric of campus life ultimately impacting how students interact and begin in the financial industry. As students gain more freedom away from home they often begin to experience various social changes. One area in particular that is cause for concern is the number of students incurring credit card debt. Due to growth in credit card usage and the rise of debt, the ideas discussed in this paper represent the growing need to evaluate credit card company solicitation efforts aimed at students and how to begin negotiation to amend these practices....   [tags: Finance]
:: 8 Works Cited
2354 words
(6.7 pages)
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Capital Budgeting - Some of the commonly used budgets include; (a) the operating budget, (b) the cash budget, (c) the operating budget, and (d) the capital budgeting (Buchbinder & Shanks,2007,p.226). Capital budgeting is the most expensive in contrast to the other budgets because the operating costs goes beyond the traditional calendar or annual budget. The capital budget is the most challenging for CEO’s to use as a control mechanisms. The challenge is to due to scare resources and the difficulty in forecasting funding requirements....   [tags: Finance ] 478 words
(1.4 pages)
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Hard Money - SoCal Mortgage Company provides a highly individualized level of service for clients seeking residential or commercial mortgage financing. Due to current economic conditions SoCal Mortgage Company is experiencing a notable increase in borrowers that require “Private Financing”, or “Hard Money”. This type of real estate loan is based primarily on the equity of the subject property. This situation, caused by the “credit crunch” has created an excellent investment opportunity for individuals seeking a higher than average rate of return for their investment portfolios....   [tags: Finance] 783 words
(2.2 pages)
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Financing Structure - There are various financing options for the type of business I want to open and operate which is a Real Estate Investment company. Structuring these financing instruments accordingly is important and relevant to the overall success of the potential income-producing real estate investments. Moreover, selecting the right financing option depends upon the factors involved on each deal or transaction such as the time horizon, the volume of transactions and the type of property being purchased. All of these factors play a big role in selecting the right financial instrument....   [tags: Finance]
:: 4 Works Cited
1026 words
(2.9 pages)
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Banking Disintermediation - Introduction With the development of financial system and information technology, commercial banks that used to be the intermediary between surplus and deficit economic players, are gradually losing their traditional roles. Table1 shows that deposits in US commercial banks decreased over 60% overall from 2006 to 2010. Whereas, with the deregulation of financial markets, companies finance or invest directly by the form of securities, and banks start to create investment banking. Being a hot spot, there have been many researches and arguments about disintermediation....   [tags: Finance]
:: 16 Works Cited
1684 words
(4.8 pages)
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Cost Accounting - Accounting is the system of recording and summarizing business and financial transactions and analyzing, verifying, and reporting the results; (Merriam-Dictionary, 2012). Cost accounting is described as the evaluating approach to the overall cost of when the business evaluates the cost that is associated with the business. Cost accounting consists of the identification, measurement, collection, analysis, preparation, and communication of financial information (Khan, 2010). In this paper, I will discuss the reasons why cost accounting is important to businesses and what role it plays in order for they to succeed....   [tags: Finance]
:: 8 Works Cited
1083 words
(3.1 pages)
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Financial Intermediaries - Financial intermediaries are common across the entire financial world. A financial intermediary is an institution that borrows money from people who have saved and in turn makes loans to others, acting as a middleman between investors and firms raising money. Common institutions that conduct the intermediary actions are commercial banks, credit unions, insurance companies, mutual funds, and finance companies. These institutions are an integral part to the overall health and functionality of the world financial market....   [tags: Finance] 1653 words
(4.7 pages)
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Investing 101 - Day in and day out the cost of living continues to grow, inflation seems to be getting out of hand and at the same time, salaries just are not matching up. Individuals were taught by their parents, teachers or mentors that one needs to be educated, have a great work ethic and save for their retirement and by doing this they should be fine in life. Unfortunately, these individuals are seeing that times have change and now things are not quite the same as it was once thought. Not only is our economy struggling, but businesses are closing their doors causing unemployment to rise, meaning the job market coupled with salary growth are making it very hard for people to feel confident with their fu...   [tags: Finance]
:: 6 Works Cited
2659 words
(7.6 pages)
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Sarbanes Oxley- Investor Confidence Act - The problem to be investigated is the purpose and exactitude of the investor confidence act entitled the Sarbanes Oxley Act. This act was created in 2002, to increase public confidence in the accuracy and transparency of public companies financial reports. (Jennings, 2012) This assessment and regulation act was created for the reason that corporate governance within many companies such as Enron, Lehman Brothers and other companies failed to act responsibly in regard to the public trust and were recognized as ethics violators....   [tags: Finance]
:: 7 Works Cited
1813 words
(5.2 pages)
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The Misconceptions of Hope in Economics and Finance: A Hidden Message of Hope for the Little Fish of a Brighter Economic Future - The cover of this issue of The Economist depicts one of the greatest misconceptions I have encountered regarding economics and finance in my professional career as quantitative analyst as well as in my personal pursuits regarding the subject matter. “Hope” for a brighter economic future is depicted as a center piece of “White Light”, whereas the politicians that the world population of “Little Fish” looks to for answers are far removed in the top right hand corner. The manner in which The Economist is laid out, with the various illustrations surrounding the “White Light” allow me the opportunity to discuss the lack of knowledge relating to spirituality in economics and its involve...   [tags: Economics ]
:: 4 Works Cited
1560 words
(4.5 pages)
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M/S Sanofi Pasteur Hoding Sa Versus The Department of Revenue Ministry of Finance - M/S. SANOFI PASTEUR HOLDING SA V. THE DEPARTMENT OF REVENUE MINISTRY OF FINANCE FACTS OF THE CASE In the year 2009, Sanofi Pasteur Holding (hereinafter “Sanofi”) had purchased 80.37 % of share capital of a French company, ShanH, from another French company called Merieux Alliance (hereinafter “Merieux”). The remainder of share capital, i.e. 19.67% was purchased from Groupe Industriel Marcel Dassault (hereinafter “GIMD”). GIMD was also a company that was incorporated under French Law. At the time of purchase, ShanH held 82.5% of the share capital of Shantha Biotechnics Limited (hereinafter “SBL”), a company having its registered office in Hyderabad and incorporated under the Companies Act,...   [tags: france, interpretation of tax treaties] 1130 words
(3.2 pages)
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Finance - INTRODUCTION The purpose of this paper is to examine if “Currency Hedging at firm level adds share-holder values”. A lot of papers have been written based on this sentence and there are many opinions that have been vented through of these researches. In a perfect world, according to Modigliani and Miller theorem, there is no reason to hedge because hedging does not add value to the firm. So, when there is not asymmetric information, taxes and transaction cost risk management is irrelevant to firms....   [tags: Foreign Currency, Hedging, Foreign Exchange] 1379 words
(3.9 pages)
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Managing Personal Finances - Managing Personal Finances Managing personal finances is an important skill to acquire. However, no where in school is this subject taught. As a result of a lack of preparation, our society is subject to a high percentage of people who lack financial success. Those who are successful at managing their personal finances will find that they are successful in many other areas as well. To learn how to manage personal finances there are books and web sites that provide a step by step guide to successfully managing personal finances....   [tags: Argumentative Persuasive Essays Finance] 789 words
(2.3 pages)
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Finance and the Global Economy - 1. Introduction Belobaba (2009) explains that the Aviation Industry has played an integral role in creating a global economy with providing its service to every country in the world. However, the Events of 11 September 2001, the outbreak of the deadly virus SARS, the increased oil prices and the Recession made it difficult for the businesses in the airline Industry to stay successful (Los Angeles Times, 2011). Additionally with increasing competition in this industry, managing operating costs and developing productivity have become top priority for management (Belobaba, 2009)....   [tags: the aviation industry, sustainability, profits]
:: 31 Works Cited
1833 words
(5.2 pages)
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Strategic Corporate Finance Analysis - A combination of payback period, Net Present Value and IRR methods is a suitable way of measuring a project’s appropriateness. By providing a way of picking the most suitable project in consideration of the expected payback time, expected return and cost of capital. (Vinci, 2010) In that respect, the project’s choice is made by considering the three methods evaluation that can be summarized as follows. Pay back method The method entails evaluating projects in terms of the number of years that it would take for the invested capital to be paid back....   [tags: payback period,irr method,net present value]
:: 15 Works Cited
1681 words
(4.8 pages)
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International Finance and Economy - ... If all economic data shows positive growth the Fed will continue to decrease tapering. On the other hand, the Fed could decide to delay tapering. One writer states that “the Fed’s decision not to taper its asset purchases undermined the central bank’s credibility” (Zumbrun). If the Fed decides not to taper this will weaken the view of the Fed, the United States monetary system, and hurt the dollar. All of these factors will further deter foreign investors and negatively affect the economy as well as the financial markets....   [tags: United States, recovery, global markets]
:: 12 Works Cited
1219 words
(3.5 pages)
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Company Overview: Finance, Marketing - The Clorox Company was founded in 1913 by two individuals, Bill and Annie Murray who, according to the official history of The Clorox company, knew how to manufacture the product but not how to market it (The Clorox Company). Then, in 1917, the couple participated in an exhibit at the California State Fair to introduce the household bleach product to thousands of farmers and consumers (The Clorox Company). Along the way of progress for The Clorox Company, they made their first corporate contribution, donating to the Boy Scouts of America fund (The Clorox Company)....   [tags: Strategies, Products, Cleaning Products] 1671 words
(4.8 pages)
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The Medici Bank - Giovanni di Bicci de’ Medici founded the Medici bank in 1397 after splitting from his nephew to establish a bank branch in Florence. As the new bank grew and expanded, so did the wealth and power of the Medici family. When Cosimo il Vecchio de’ Medici, Giovanni’s son, took over the banking business in 1434, the increasing economic power of the Medici family allowed them to establish themselves as effective rulers of Florence while keeping the republican system of government nominally intact. The bank provided the Medici family a combination of economic and political power that facilitated the stability of Medici rule....   [tags: Finance ]
:: 3 Works Cited
2025 words
(5.8 pages)
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The Sarbanes-Oxley Act - The misrepresentation of corporate finances has been a frequent news headline during the last ten years, and the negative impact of these actions has had a severe impact on the economy. The temptation can be overwhelming for corporate leaders to step over the legal line in attempts to maximize corporate earnings, which also affects their financial compensation. Companies that ultimately collapse from these inappropriate financial behaviors, eventually put a heavy burden on the economy and many sectors of society....   [tags: Finance] 1105 words
(3.2 pages)
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Overview of Financial Affairs of Local Government of Multan - Abstract Public finance deals with the financial management of public entities. This paper provides an overview of the financial affairs of local government of district Multan and identifies issues faced by the systems to deliver efficiently and effectively. It also highlights areas or improvement and opportunities to fund these activities. The district government heavily relies on the provincial grants and has very limited self generated revenue. Although it is responsible to manage various institutions of social services and carry out developmental activities in the district, its reliance on provincial grants make its effort less effective....   [tags: International Finance ]
:: 14 Works Cited
772 words
(2.2 pages)
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Testing of Pecking Order Theory in Pakistan - This study tests the Pecking Order Theory for the capital structure of listed firms in Pakistan. As per Pecking Order Theory in capital structure formulation internally generated resources would have first priority followed by debt issuance where as equity is used as last resort. In its strong form, the Pecking Order Theory sustains that equity issues would never occur, whereas in its weak form, limited amounts of issues are acceptable. The methodology adopted in this empirical study involves cross-section regressions and the testing of hypotheses stemming from the underlying theory in its strong and weak forms....   [tags: Business Finance ]
:: 12 Works Cited
3268 words
(9.3 pages)
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Microfinance: The Grameen Bank founded by Muhammad Yunus - In the past years microfinance has flourished into an ever growing market for emerging small businesses around the world. Microfinance helps developing countries from all around the world able to obtain the financial help needed to launch small businesses. These people can empower themselves by taking small loans to finance their projects. Micro credit or small amounts of money exist as small loans given to entrepreneurs looking to empower themselves. The Grameen Bank innovation provided to people willing to help themselves....   [tags: business, finance]
:: 11 Works Cited
2163 words
(6.2 pages)
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Companies Finance - Introduction In the financial world, there are always unending possibilities of ways to handle money. Some of what we read from the financial statements might not be the true reflection on the company. Managements are finding ways to play around the statements and some of it could be fraud and lead to disaster. One great example of this case here is Arthur Anderson. They have many clients such as Enron and many others that they have audited and found fraud in their accounting statements but the management decides to ignore it because of the huge fees that Enron decides to give....   [tags: financial statements, fraud, corruption]
:: 4 Works Cited
1926 words
(5.5 pages)
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Program Admission Essay: Henley Business School - Statement of Purpose I have chosen to pursue graduate studies University of Reading for admission to the MSc Financial Engineering, which is collaborated between Henley Business School and ICMA Centre. I am interested in finance, commodities trading, and derivatives, especially a quantity analysis. Throughout my undergraduate education in Computer Engineering, in Thailand, my coursework involved a mix of subjects between Computer Sciences and Electronics, including computer programming, algorithm design, electronic circuit design, all involving heavy use of applied engineering mathematics such as Probability, Numerical Methods, Discrete Math and Calculus....   [tags: Finance, Engineering] 602 words
(1.7 pages)
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Profit Loss Sharing in Islamic Banking - Profit-loss sharing In order to be able to understand the core factors that contribute to the lack of profit-loss sharing in Islamic banking, this mode of financing must first be introduced. The fundamental basis for PLS is based on equity orientation. Such a mode of financing allows all parties involved to share both risks and losses in the ratio of their individual capital input, while the profit is allocated on an agreed ratio. This Islamic mode of banking guarantees the sharing of profits or losses and ensures no accrual of a fixed rate of interest, which promotes the efficiency and stability of the Islamic banking system....   [tags: Finance, Islam]
:: 13 Works Cited
1883 words
(5.4 pages)
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Critical Review of Article on Financial Statements - A Critical Review of Georgiou, G. (2010) “The IASB standard-setting process: Participation and perceptions of financial statement users”, British Accounting Review, 42 (2), pp.103-118. Dr George Georgiou is a senior lecturer in Accountancy and the director of the MSc International Accounting & Finance course at the Birmingham Business School, University of Birmingham. He has the following qualifications: BA, MAcc, PhD & CPA. Georgiou is also a PhD supervisor in his research interest topics which lie in accounting regulation, accounting theory, government accounting and market-based accounting....   [tags: Accounting Finance]
:: 6 Works Cited
1718 words
(4.9 pages)
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A Cultural Problem, an Economic Crisis - In the past two years, Western society has experienced what many of its leaders have called the worst financial crisis since the Great Depression. At the very least, it has been the worst period of instability that our younger generations have ever seen in their lifetimes. But unlike other financial crises that have largely been triggered by external forces, such as the oil embargoes of the 1970’s, this latest one was a product of our own internal policies and practices; even more so, of our cultural outlooks on the very notion of finance, credit, and debt itself....   [tags: Economics Finance ]
:: 7 Works Cited
1110 words
(3.2 pages)
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Financial Liberalization of Pakistan - In 1974 all banks of the country were nationalized, with the objective of providing the capital for top priority projects or investments, and to ensure the depositor's capital safety. Although this step was taken for the socio-economic benefits, however, the required results could not be obtained. And under the public sector's ownership and supervision the banking sector proved inefficient (Haque 1997), which leads the lower saving and investment, so as a result economic growth decreased (khan and khan 2007)....   [tags: Economics Finance]
:: 4 Works Cited
879 words
(2.5 pages)
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Micro-finance and its Impact on Poverty - Despite the growing body of literatures about the microfinance and its impact on poverty, there are counter growing criticisms against microfinance in issues such as reaching the poor, unchanged poverty level, high interest rate, brutality in repayment processes, financial sustainability, and women empowerment. (Hossain, 2010). In terms of poverty reduction and reaching the poor people, the studies edited by (Hulme & Mosley, 1996) on the impact of microfinance on poverty found that poor people do not benefit from microfinance; it is only non-poor people who do well with microfinance and achieve positive impacts....   [tags: Economy, Interest Rate, Dependency] 963 words
(2.8 pages)
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Banking, Money and Finance, Article Analysis - ... In country like Japan, which have greater reliance on bank finance compare to US market-based system, plays important role in financing big and small company although some largest company are able to penetrate directly the financial market due to deregulation of Japan bond markets. On the other hand Georgia, facing problem with efficient bank lending channel since banks do not fully utilize their resources to finance the real sector and there is only low level of utilization of bank credit by firms or individuals....   [tags: monetary transmission mechanism]
:: 16 Works Cited
1518 words
(4.3 pages)
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The Economic Rationality Assumption - The economic rationality assumption has given an important connation for the market efficiency, as it has been the base to carry out the construction of the modern knowledge in standard finance. Resulting in the development of the most important insights in finance, such as arbitrage pricing theory of Miller and Modigliani, the Markowitz portfolio optimization, the capital asset pricing theory of Sharp, Lintner and Sharp and the option-pricing model of Black, Scholes and Merton (Pompian, 2006 and Lo, 2005)....   [tags: Arbitrage, Finance] 1240 words
(3.5 pages)
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Functions of Financial Management - Financial Management has a lot to do with the duties of the financial manager working in a business. Their function can come in two approaches; one being an executive finance function which involved mainly decisions, the second is the routine finance function. These could be such things as supervision of cash receipts, safeguarding of cash balances, and custody of valuable documents, mechanical details of financing, record, reporting to top management and supervising fixed and current assets. For a financial manager, it is important to approve or reject the lines of credit, and commercial, real estate, and personal loans....   [tags: capital budgeting,executive finance,finance ]
:: 3 Works Cited
927 words
(2.6 pages)
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RBC: History and Sustainability - The Royal Bank of Canada, if you couldn't tell, is a Canadian company. It is the largest financial institution in Canada. It started as the Merchants' Bank in Halifax, Nova Scotia, which was founded in 1864 by a small group of enterprising Halifax merchants: J.W. Merkel, Edward Kenny, T.C. Kinnear, John Duffus, William Cunard, John Tobin, George P. Mitchell, Jeremiah Northup. The Merchants' Bank focused mainly on financing the fishing and timber trade, and the annual flow of retail goods from Europe into the colony....   [tags: International Finance ]
:: 4 Works Cited
1162 words
(3.3 pages)
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International Business and Globalization - 1.0 INTRODUCTION According to Robert J. Carbaugh (2011), the high degree of economic interdependence among today’s economics reflects the historical evolution of the world’s economic and political order. At the end of World War II, the United States was economically and politically the most powerful nation in the world, a situation expressed in the saying, “When the United States sneezes, the economies of other nations catch a cold.” But with passage of time, the U.S. economy has become increasingly integrated into the economic activities of foreign countries....   [tags: economics and finance]
:: 6 Works Cited
1366 words
(3.9 pages)
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Ratio Analysis for Facebook - ... This ratio shows that Facebook’s financial health is good when gauged against industrial average. Nevertheless, overreliance on fixed asset as the most outstanding investment portfolio for Facebook is misguided. Recent events that led to the 2007/ 2008 global financial crisis were attributed to overpriced fixed assets and unsecured subprime mortgages. The second ratio is the Quick Ratio. This ratio offers insight on a company’s ability to meet its short-term obligations (D’Amato, 2010; Adelman & Marks, 2010)....   [tags: Finance, Performance]
:: 3 Works Cited
765 words
(2.2 pages)
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Ethics in Finance - Identify an event or series of events that occurred in the financial marketplace falling within the realm of Financial Management, Financial Institutions and Markets, or Investments that raise significant ethical questions. Analyze the events, public policy responses and their impact on the financial markets and economy at large. Suppose you are the CEO of a well respected, multi-million dollar energy company. You stand at the forefront of innovation and you are world-renowned for your pioneering efforts in the energy industry....   [tags: Business Ethics Financial Management] 1155 words
(3.3 pages)
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The Importance of Budgeting to Avoid Defaulting on Student Loans - The Importance of Budgeting to Avoid Defaulting on Student Loans Students defaulting on their loans will always be a problem for the government as long as there are students taking out loans. There will always be a few that don’t pay off their loans. There are many reasons why students default on their student loans. According Ms. Farrell, the author of “Reducing Student Loan Defaults: A Plan for Action,” in the Office of Planning, Budget, and Evaluation Survey, said “The main reason that students default on their loans is that they cannot budget their finances” (Farrell 24)....   [tags: Finance]
:: 3 Works Cited
2155 words
(6.2 pages)
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Wal-Mart Financial Analysis - Corporate Finance: Wal-Mart Contents Corporate Finance: Wal-Mart 1 1. Introduction 2 2. Success at Delivering Value to the Shareholders in the Last 5 Years 2 2.1 Growth in Earnings 2 2.2 Growth in Dividend Declared 3 3. Valuation of Equity 4 3.1 Net Asset Value (NAV) 5 3.2 Price / Earnings Ratio 5 3.3 Discounted Free Cash Flow 7 4. Reconciliation of Differences 8 4.1 Benefits and Costs of Using Net Assets Value 9 4.2 Benefits and Costs of Using Price Earnings Ratio 9 4.3 Benefits and Costs of Using Discounted Free Cash Flow 9 5....   [tags: Corporate Finance]
:: 4 Works Cited
1683 words
(4.8 pages)
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Asian Financial Crisis - The paradox of thrift is defined as “ a change in the amount household wish to save at each income leads to a change in equilibrium income, but no change in equilibrium saving, which must still equal planned investment” (Begg, Fisher, Dornbusch, 2009). Increase in savings is actually the consumption foregone by the consumer. Domestic saving increases investment in a country which fuel the economic growth. But could savings be a cause for the financial crisis in Asian countries. As told by Dr Zhou Xiaochuan, Governor of the People’s Bank of China, “ the East Asia countries are influenced by Confucianism, which value thrift, self-discipline, zhong yong or Middle Ground (low-key)...   [tags: International Finance ]
:: 12 Works Cited
1198 words
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Retirement Planning - Planning for retirement should not be based on Social Security alone, but rather by saving portions of personal earned wages and putting finances into long-term investments. Depending on Social Security as the only income after retiring is an unsafe and undependable way to prepare for retirement. People who contribute to Social Security are mandatorily putting money into the Social Security Reserve; this money is used for older generations that will file for these benefits before the younger people working, in the early 21 century, ever receive a chance....   [tags: Finance]
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1217 words
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Financial Reporting - Financial reporting is the communication that enables users of financial statements to assess the profitability and the financial state of a company( Scott, 2009). This information is provided within an accounting framework to ensure neutrality, comparability and understandability for all users of financial statements. The key role is to reduce information asymmetry between the managers and stakeholders such as investors, creditors, governments, employees, consumers and the general public. These stakeholders are direct or indirect participants in the capital markets from where companies vie for finances in the form of equity or credit(Scott, 2009)....   [tags: Finance ]
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2017 words
(5.8 pages)
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Finance - Milestones or stumbling blocks. Embarking on a quest for a second round of venture financing in late December, Russ Garcia, an Irvine, Calif., entrepreneur, agonized over an offer. The venture fund would fork out the money if his startup, which makes global-positioning satellite chipsets, met certain goals. The pricing was on a sliding scale — upward if the goals were met, downward if they weren't. Fearing that the terms were too stringent, Garcia rejected that first offer. But when u-Nav Microelectronics Corp....   [tags: essays research papers] 1895 words
(5.4 pages)
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Application Essay to Study in a Buiness School - Finance is a field that had always fascinated me right from my undergraduate college days. What make me interested in this particular field of study are the art of finance and the complexity of investment market which would allow me to employ my personal skills, such as analytical and communication skills, along with my personal characteristics such as dedication and compassion for what I do. As one of the most important sector in the world, I believe it would provide me with a broad range of career options....   [tags: finance, investment, goals, career] 546 words
(1.6 pages)
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Bibliography Regarding Statement of Cash Flow in Finance - ... This paper likewise examines and investigates the impact of bookkeeping or accounting systems upon the relationship between accounting variables and United Kingdom share prices. E H Feroz, S Kim and R L Raab, January 2003, “Financial statement analysis: A data envelopment analysis approach.” Ratio analysis is one of the most commonly used analytical tools for validating the performance of a firm. Although ratios are easy to compute, which therefore explains their wide appeal, their interpretation is problematic, especially when two or more ratios provide differing signals....   [tags: Economy, Stocks, Accounting] 2891 words
(8.3 pages)
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Campaign Finance: How Much is Too Much? - With $1.7 billion spent on the 2008 presidential election, how much is too much. In the 2004 presidential election George W. Bush and John Kerry spent a combined $646.7 million, while President Barrack Obama spent 740.6 million of the $1.7 billion total on the 2008 election alone (Salant). The overall amount of money spent in the presidential elections has been increasing greatly over time and there seems to be no limit on the amount of money the presidential candidates are able to raise and spend on their campaigns....   [tags: Politics]
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1533 words
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The Important Role of the Back Office in Auto Dealerships - ... Once that became standard practice, in a quest for additional profits, dealerships started offering Credit Insurance products from the same office that protected the customer from having to make loan or lease payments if they were to die or become disabled. Thus, the 'Finance & Insurance' (F&I) industry was born. The F&I office is an indispensable part of the automobile dealerships. It usually brings in a large proportion of the dealerships profits and in several cases nearly all of the dealership profits....   [tags: insurance, finance, protection] 648 words
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Personal Statement: A Career in Business - Probably, most people start their personal statement with “ever since I was little…”, but that’s not the case for me. My story is a little different; I always wanted to be an architect or an engineer, studying anything business-related simply never even crossed my mind, until recently, when a great-uncle of mine recommended I read The Intelligent Investor by Benjamin Graham. After reading it, I was fascinated. I dove deeper into business and finance, and found it amazing. The relationship between nature, mathematics and business astonishes me....   [tags: small business, finance] 515 words
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Application Essay for the MSFA Program in the University of San Francisco - ... In order to diversify and receive stable cash flow, they are looking for professional solutions. Thus, my short-run goal is to provide professional and skillful financial services to these targeted clients. The Derivatives and Alternative Investments courses in the MSFA curriculum will help me in this way tremendously. Besides, I noticed that the incredible investment opportunities exist between the United States and China. These International businesses are two-directions. Especially, after China (Shanghai) Pilot Free Trade Zone just launched in September, 2013....   [tags: education, finance, goal] 617 words
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Islamic Financing vs the Capital Asset Pricing Model (CAPM) - The research article discusses two approaches, one method is Islamic financing and other is the conventional capital asset pricing model (CAPM). Using the direct Musharakah, Islamic financing method is applied against the conventional financing method by comparing each other. Comparing the two approaches has drawn several findings; it is found that the beta-risk is lower on investments, which are based on the partnership of Islamic financing as compared to the conventional market. The risk is on the share of the lenders and others but not on the risk-return....   [tags: Islamic Finance Essays]
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Impact of Future Derivatives on Stock Market Volatility - Impact of Future Derivatives on Stock Market Volatility Derivatives has been the talk of the financial world after it was accussed as the primary reason for such a deep financial crisis that affecetd the global economy in 2007. Thus, the modelling of asset returns and judging the volatility of stock market and whether the derivatives have a substantial effect on stock market volatility, is still the key task for every finance professional as it provides much needed on risk patterns involved in investment process....   [tags: Stocks, Economy, Finance, Derivatives]
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The History of Micro-Credit as a Means for Development of Poor Nations - The Indian population lacks opportunities such as financial resources and the ability to get jobs. They are stuck in an endless cycle with no opportunities for people to lift themselves out of poverty. Microcredit has been used as a method by governments in developing countries, international funding organizations and donor agencies, in order to help the poor make money since the 1950’s. During the 1950s and1960s, the Indian government started disbursing loans to families in rural areas that worked in the agricultural sector as well as city-dwelling families to promote economic growth throughout India with collaboration with the Indian Government....   [tags: finance, India, WTO]
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The Debt Crisis in Malaysia - ... When the dust started to settle in January 1998 the stock markets in many of these states had lost over 70% of their value, their currencies had depreciated against the US dollar by a similar amount, and the once proud leaders of these nations had been forced to go cap in hand to the International Monetary Fund (IMF) to beg for a massive financial assistance. (W.L.Hill, n.d.) Providing sufficient trainings and courses to the higher management team. Courses such as leadership and motivational program will allow the higher management team to create a better value of understanding towards the managing task required for them in order to lead the operation of the organization smoothly....   [tags: lack of management, finance] 1035 words
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Bermuda: The Perfect Location for Takaful and Re-takaful Opportunities - ... His success as insurance center is largely due to effective self-regulatory system, which is led by Bermuda Monetary Authority (BMA). Interaction of cooperation between industries and the BMA has caused regulatory framework that is innovative, responsive and transparent. This regime, combined with a deep pool of insurance expertise, allow Bermuda to keep pace with global developments in the market. In widely reported comments made at the conference of Bahrain / Bermuda on Global Insurance Financial Services in July 2010 and now Premier Paula Cox said Bermuda Government and the private sector is actively involved in promoting development of Islamic finance in Bermuda , and a welcome devel...   [tags: Islamic finance sector] 1584 words
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Islam is More than Just a Religion - Islam is more than just a religion; Islam is a way of life. The Quran and teachings of Prophet Muhammad (pbuh) provide an outline for the daily life of a Muslim. Islam encompasses all aspects of our existence, from lawful food and drink, to ethics and marriage…Islam covers it all. Part of the aspects that Islam addresses is finance, in which Muslims are expected to deal with matters of finance in a precise manner. Islam has its own financial system; this system is founded on justice and faith, rather than a prospect to make additional capital....   [tags: Muslim, finance, capitalism]
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Debt vs Equity When Starting a Business - ... This option is great for company’s that do not want investors. Debt financing is beneficial because the loaners do not often get involved with the company or any decision making within the company. The downfall is the risk that is assumed with the debt which is, the company may not be able to pay back the loaner. In that case, the loaner would go after the owner or partner personally. There are many forms of debt a company is allowed to take on, such as ‘venture’ debt, even if they are a high-risk corporation....   [tags: finance, equity, accounting] 674 words
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Introductory accounting and finance - Contents Page Page 3 ~ Section A – Trading, Profit and loss account Page 4 ~ Section B – Balance Sheet Page 5 ~ Section C Page 6 ~ Section D Page 7 ~ Section E Page 8 ~ Section F Page 9 ~ Section G Page 10 ~ Section H Page 11 ~ Bibliography Trading, Profit & Loss account for Mr. Stanley relating to trading during £ £ £ Sales 125000 Less Cost of Sales Opening Stock 10430 Add Purchases 67634 78064 Less returns outward...   [tags: essays research papers fc]
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Manage finance and budgets - Pre-amble Custometal Pty Ltd has been trading since 1992 under a couple of different names before becoming a proprietorship in 1998. Since its conception in 1992 it has been with the same owner and trades today as a sole proprietorship. Custometal’s customers consist of the construction industry across Melbourne. Custometal is what is known in the industry as a metal work sub-contractor, with our scope of works basically consisting of custom fabricating all metal items excluding structural steel and items that can be mass produced....   [tags: essays research papers] 7356 words
(21 pages)
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Mergers and Acquisitions: Biases and How to Avoid Them - ... Next, I discuss two important biases and how a targeted de-biasing approach by the CEOs can help to improve their decision-making process. I also support the arguments about the psychological biases by gathering empirical evidence by means of a short survey conducted by taking into account the views of students taking the ‘Advanced corporate finance’ module in the business school. The survey helped me understand the psychological setup better and reinforced the presence of the biases in the decision-making process....   [tags: corporate finance, firms] 1403 words
(4 pages)
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Roman Empire: Emperor Caesar Augustus - ... He also conquered many other places including Egypt. When Mark Antony and Cleopatra VII tried to battle Octavian at the Battle of Actium, Antony’s forces were wiped out and the next year, Alexandria was conquered by Octavian’s Troops.(Durant et al. Everitt, Hamilton, Suetonius) Mark Antony and Cleopatra later killed themselves leaving Egypt in the hands of Octavian. Augustus expanded his huge empire into northern Spain, large parts of central Europe and Germany. (Sizgorich) Octavian’s conquest of Egypt and his expansion of the Roman Empire on the frontiers relates to that Octavian Augustus is one of the fiercest leaders by showing that Augustus took over a large amount of land before fin...   [tags: control of finance, political leadership] 651 words
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Roles and Duties of Belize's Auditor General - The Office of the Auditor General was established under Section 109 of the Belize Constitution, Chapter 4 of the Laws of Belize, Revised Edition 2000. The Office of the Auditor General is managed by the Auditor General who is appointed by the Governor-General, acting on the recommendation of both Houses of the National Assembly. The Office of the Auditor General, in carrying out its mandate, examines all of the various accounts that falls under the purview of ministries, departments and other public authorities as prescribed by law....   [tags: finance of ministries and departments]
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Evaluating The Risks Involved in Equity and Debt Financing - Firms around the world rise funds in the capital markets to finance their expansion, acquisitions and other operations. This is usually done through equity and/or debt financing. Equity financing is the process in which a firm raises capital through the sale of shares. Debt financing involves the firm borrowing through, for example by issuing bonds. The firm‘s decision on how to rise capital influences its capital structure and as a result may affect the value of the firm. It is therefore important that the firm must take into account the risks involved in both equity and debt financing....   [tags: business, firms, finance] 1687 words
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The Differences Between the GAAP and the IFRS Accounting Systems - In the world of international finance there are two major accounting systems; GAAP, which stands for Generally Accepted Accounting Principles, and IFRS, which stands for International Financial Reporting Standards. The United States prefers GAAP while the European market, as well as many other countries, prefers IFRS. By 2015 the Securities Exchange Commission is anticipating a total transfer to IFRS in the United States. Though the differences between GAAP and IFRS are few, they could affect accuracy of financial reporting throughout the world....   [tags: finance, global standards]
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The Working in Man in Tennessee Williams´ The Glass Menagerie - ... Without a man like Tom to help her, Amanda and Laura would be hopeless. Following the standards of naturalism, Amanda reacts accordingly, and teaches her children to behave like members of the upper class. She strictly enforces proper manners; the importance of a well-rounded education, and the décor in her home is simulating value. In her regard, upper class members are often treated better, and she wants her children to act finer in order to coincide with the naturalistic belief of “Survival of the Fittest.” Amanda’s son Tom is the man of the house, he supports the family financially, and they cannot subsist without him....   [tags: finance, children, raise, husband] 691 words
(2 pages)
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Statement of Purpose for University - I decided to pursue a degree in Finance following the Global Financial Crisis of 2008, which had a powerful effect on both my country and my life. After taking an advanced history course that covered the biggest economic decline of the 20th Century – the Great Depression – I became acutely aware of how an economic crisis can have a devastating impact on global infrastructure. My continued desire to understand the hidden contributive factors behind these downfalls led me to read Akerlof’s and Schiller’s Animal Spirits....   [tags: finance, business, linguistics] 535 words
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Government Actions to Prevent Economic Crises - Introduction At least for a while, the bear seems to have buried the bull. Wall Street doesn’t seem as shiny as it used to. The global economy has just recently come out of a deep recession. At a time like this, it is particularly relevant to examine the role of the State in overcoming economic crises. Although government intervention in the matters of a fair free-market is not entirely consistent with the doctrine of economic liberalism which has been today vindicated as a necessity in a free society, in practical terms, it is impossible for the government to be not involved in something so intrinsic to the over-all well being of its subjects....   [tags: Economic Finance Regulation]
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A Career as a Chartered Accountant - Describe the Job/Career The normal title for the job that I chose is a “Chartered Accountant”. The job of a chartered accountant is to provide accounting and business advice to companies and individuals. Chartered accountant may also provide information to clients on tax planning, personal financial planning, corporate finance, and information technology (Job Description). The major skills required for a chartered accountant are communications skills, computer skills, and listening skills. A chartered accountant needs communication skills, as they need to talk with their clients, and need to be able to effectively tell the client the advice they are giving....   [tags: accounting, business, auditing, finance]
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The Challenges of Single Parent Families - ... As the blue song said “I can do bad myself, I don’t need no one to help me starve to death”. If you do not have any training or education you have to make up your mind if you want to be on public assist or something better for you and child/children even if it means work at McDonald until you can improve your situation. Despite what static shows Single Parent can be success by having Religious, finance, discipline and strong family support.   Religious Religious in a single parent home does have some an effect on the children behavior and the family has a whole....   [tags: religion, community, finance, discipline] 1177 words
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J Sainsbury Company Evaluation and Analysis - ... This may be a concern to potential investors; however, it is attributable to the increased funding in investment in cash and other interest bearing assets. The return on equity also decreased, from 12%% to 10.8% in 2013. This is attributable to its real estate assets owned which leads to short-term diluted return on equity, until they mature. Liquidity Liquidity is the ability to generate cash when and where it is needed. It is primarily measured by current and acid test ratios (Edgar, Kenneth and Pamela, 2012: 305)....   [tags: Finance, Performance, Strategy] 1293 words
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