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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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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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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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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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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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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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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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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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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 - Ratio Analysis for Facebook Introduction The financial position of a company offers great insight on the performance of the company on short-term and long-term basis. This work argues that Facebook Inc. is a company with a subjective investment portfolio. The purpose of this paper is to use ratio analysis to determine the position of the Facebook as an investment destination. The first section explores two ratios and their implications to a potential investor. The second part evaluates whether Facebook is bankrupt....   [tags: Finance, Performance]
:: 3 Works Cited
765 words
(2.2 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
(3.4 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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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]
:: 4 Works Cited
1217 words
(3.5 pages)
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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 ]
:: 17 Works Cited
2017 words
(5.8 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]
:: 4 Works Cited
1533 words
(4.4 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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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]
:: 1 Works Cited
1486 words
(4.2 pages)
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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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The Important Role of the Back Office in Auto Dealerships - The Industry: The Back Office plays a very important part of an auto dealership. When a customer buys their car, their final experience is in the back office of the car dealers where they finance the purchase and buy addiotnal add on insurance products. The back office industry is called F&I (Finance & Insurance). We will be analyzing the F&I Industry. What is F&I: The term F&I stands for Finance & Insurance. The term has its origins in the F&I office at US automobile dealerships that arranges financing for the purchase after the customer has selected the car....   [tags: insurance, finance, protection] 648 words
(1.9 pages)
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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
(1.5 pages)
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Application Essay for the MSFA Program in the University of San Francisco - Shanghai Stock Exchange was established on 1990, and at the same year, I was born. 18 years later, I started my bachelor degree in the Business School of Shanghai Normal University. There was a 2+2 exchange program between the Shanghai Normal University and Weber State University which is located in Ogden, Utah. So I attended this program without hesitation since it was truly a good opportunity to study finance and economics internationally. After graduated from Weber State University, I decided to come to the Great Bay Area since, I believe, the finance and economy of this region is outstandingly strong and steady....   [tags: education, finance, goal] 617 words
(1.8 pages)
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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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2951 words
(8.4 pages)
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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]
:: 2 Works Cited
1577 words
(4.5 pages)
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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
(3 pages)
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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]
:: 20 Works Cited
1623 words
(4.6 pages)
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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]
:: 3 Works Cited
1084 words
(3.1 pages)
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Debt vs Equity When Starting a Business - When starting a business an important question arises, how to finance the company. The steady economic growth combined with low interest rates has produced a lot of liquidity in debt and equity markets. For example, in 2005, non-financial corporate business borrowing increased dramatically to $289 billion, compared to the mere $174 billion it was in 2004 and the $85 billion it was in 2003 (Chung). The outcome of using only debt financing or only equity financing is mostly direct. Businesses run ino the issue when a company’s finance requires both debt and equity characteristics, changing the tax effects greatly (Hanke)....   [tags: finance, equity, accounting] 674 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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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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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
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Gradnting Credit on Micro Lending - Chapter 1 THE PROBLEM AND ITS SETTINGS Background of the Study For the self-employed in the world where the poor entrepreneurship is involved experimenting with the new technologies and learning about each people self. Specialist of Micro-finance gives emphasis of proving credit to a small business or making it available to the people’s minds and allowing customers through self-confidence and a little of improvement. Likewise, that’s why poor women are keep on borrowing money to the Bombay’s because of the small, and uncollateralized loans it leave which them no choice but to experience the non-traditional roles....   [tags: creditors, finance, buisness, entrepreneurship] 2694 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 report is going to look at J Sainsbury and evaluate the aspects of the company’s financial position, performance and strategy. The original numbers and base information have been gathered from Sainsbury’s Annual Reports 2010-2013, which seek to meet predominantly the needs of Sainsbury’s shareholders. All numbers not in percentages are in £million unless otherwise stated. The figures are taken from J Sainsbury’s group accounts, which is made up of retailing, financial services and property investment....   [tags: Finance, Performance, Strategy] 1293 words
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Entrepreneurial Business Opportunities in Developing Countries - ... There are many issues that need to be overcome by entrepreneurs in developing countries before they can start on their entrepreneurial venture. Innovation is one of these; it can be a very costly part of the business and can become difficult to pay for. Ashok Khosla the former director of the United Nations Environment said in an interview that “In the case of my social enterprise, Development Alternatives in India, we had to create a whole complex of organisations some of which were supported by public and philanthropic funds to produce new technologies and products which could then be sold at reasonable prices since the Research & Development costs had already been taken care of.” (Kho...   [tags: innovation, finance, alleviating poverty] 974 words
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Leading the Impact of Costs of the Strategic Management of Human Resources - Leading the impact of the costs of the strategic management of human resources. My goal is to study the effect of cost leadership strategy in Galfar Engineering and human resources management functions Contracting Limited . The goal is to customize the overall impact of a strategy of strategic human resources organization learning . Galfar Engineering & Contracting SAOG ( Galfar ) is the largest construction companies in the Sultanate of Oman for oil and gas , roads and bridges, and the Sultanate of Oman and the Gulf Cooperation Council (GCC) other civil works EPC capabilities and industry interest ....   [tags: business strategies, finance]
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Implications Behind Pension Scheme and Savings Scheme in Retirement Protection - Introduction Retirement protection has become a concern in the world in recent years. Due to the existence of aging population and the improvement in living standards, people in developed regions started to demand for more social welfare. In the past, individuals would be self-independent or assisted by their next of kin (usually their children) financially when they retired. However problems emerged. Not everyone has the sufficient economic power to support their life when they neither have income nor work....   [tags: personal finance, spending]
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Stock Market: Procter and Gamble and The Coca Cola Company - I chose Procter and Gamble and The Coca Cola Company because when I first looked at Google Finance, they were the two options out of the six that were in the green, or in the green the most. When I checked how the two stocks had grown,(I looked at year-to-date), KO and PG were the two that had grown the most out of the options I was given. Also the demand for both companies is high. I read an article that stated the most popular soft drinks, and Coca Cola was first on the list. (Hartlaub) The Coca Cola company is the world's largest beverage company, and carries many popular brands, such as Powerade, Hi-C, and Minute Maid juices....   [tags: google finance, competitors] 558 words
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Risk Management in Hotel Business - 1) Briefly explain the difference between risk control, risk finance and risk transfer. Risk control, risk finance and risk transfer are the 3 major methods of managing risk. These can be broadly classified as: (A) loss retention (includes risk control and risk finance), and (B) loss transfer. With retention, a business retains the obligation to pay for part or all of the losses itself, while risk transfer allows business to transfer risk to another party. Risk control is the actions that reduce the expected cost of losses by reducing the frequency or the size of the losses....   [tags: control, finance, transfer, insurable] 1325 words
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History of ICICI bank ltd - Introduction to ICICI bank ICICI Bank is India’s largest private sector bank with total assets of Rs. 5,367.95 billion at March 31, 2013 and profit after tax is Rs. 83.25 billion for the year ended march 31, 2013. The bank has a network of 3,611 branches and 11,162 ATMs in India, and has a presence in 19 countries, including India. The Bank currently has subsidiaries in the United Kingdom, Russia and Canada, branches in United States, Singapore, Bahrain, Hong Kong, Sri Lanka, Qatar and Dubai International Finance Centre and representative offices in United Arab Emirates, China, South Africa, Bangladesh, Thailand, Malaysia and Indonesia....   [tags: Finance, India, Economy] 560 words
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Importance of a Business Plan - A business plan is a way of reaching a company’s goals usually a formal statement. In this statement there can be information on the background of the organisation of the company. Asma has completed a basic business plan for her business, a business plan is used by a business to try and get other business / companies to invest in their business, a business can be set up so that the business will advance in the future. In the business plan it will include things from promoting to plans of the business and who her costumers could be....   [tags: Finance, Sales, Resources] 1432 words
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Career in Financial Management - Within the past decade the economy has fallen and arouse dramatically. Many large corporations and businesses such as Ford, Chrysler, and G.M. plants have closed, while new companies building pipes and drills have sprang up and retailers have expanded. With all of this occurring in today’s society; businesses are on the hunt for good financial managers. Financial managers are the owls of a companies finances and everything in between them and their agencies. With a variety of other fields present, I personally feel financial management is the perfect fitting for me because I am a scholar in math, who loves dealing with money, and works well with others....   [tags: Society, Businesses, Companies, Finance]
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The Current Recession and Mortagage Foreclosure - Introduction Foreclosure has become an outbreak affecting the entire United States of America. Realtytrac just reported in the month of April 2011 that one in every 593 housing units received a foreclosure filing. (N1) That statistic is for just one month. Some states such as Arizona, California, Florida, Michigan and Nevada continue to be plagued with an influx of homes falling victim to foreclosure or some other form of default. Each home that is a casualty to a foreclosure, short sale or even bankruptcy was collateral for the lender holding the promissory note....   [tags: Finance, Mortgage Loans]
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Many Challenges Faced by Chinese Immigrants - The Chinese community in Singapore can be divided into two clusters that is, the Chinese migrants from China that still regarded China, as their “home” as well as the Straits Chinese who mostly did not consider themselves as citizens of China rather, they were British citizens that considered Singapore their home. Straits Chinese or the Queen’s Chinese was not bothered about the politics in China and were mostly educated in English schools. This paper will therefore discuss the challenges in education faced by the Chinese community, more specifically the China-born Chinese migrants, in postwar Singapore....   [tags: community, education, finance] 1220 words
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Scientific Misconduct and Grant Fraud - ... According to statistics provided by the NIH, over 40 million dollars a year are lost due to fabricated data and individual researchers stealing from research budgets, of which comes from grant money and donations. Why do researchers feel the need to falsify evidence and why do they steal money and commit fraud. According to an article by Explore, pride is a big motivator in scientific falsification. Some researchers are so proud and will believe so much in their hypothesis that they will fabricate data and evidence so much as to receive grant money to further try to prove their theories correct, even if they know they are wrong....   [tags: research, finance, experiments, society] 1977 words
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Exit Strategy in Making Investments - Exit strategy is an extremely decisive fraction of making investments. In fact, knowledge of exit options is an essential concomitant of entry and Private Equity (PE) investors must be very clear about their exit options and strategies. It is significant for an investor to be able to divest its holdings and exit in the most profitable and swift way. Broadly speaking, the following are the most common exit options available to PE investors: Initial Public Offer (IPO) IPO, the traditionally preferred route, is the method whereby the investors will have a right to offer their shares for sale to the public and then exit....   [tags: Strategies, Investing, Finance]
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Home Depot Corporate Governance - Audit Committee The Audit Committee is comprised of the following five members from the Board; F. Duane Ackerman, Ari Bousbib, J. Frank Brown, Karen L. Katen, and Mark Vadon. This group is tasked with assisting the Board with the oversight of The Home Depot’s financial statements, ensuring that they are in compliance with legal and regulatory requirements. They also review and monitor the Company’s Compliance program, making changes when appropriate to ensure that the Company remains compliant....   [tags: audit, finance principles, accounting]
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A Framework for a Hybrid Intelligent System in Support of Solving Credit Approval Problems in Banks - I. Introduction (135) Many consumers utilize credit facilities offered by banks to meet their needs. “Credit approval is the process a business or an individual undergoes to become eligible for a loan or pay for goods and services over an extended period of time” (Leotta, 2011). Banks use various techniques to screen applicants before they allow them to utilize their credit facilities. The tools and techniques used to screen applicants constitute a significant risk to the banks. If they are faulty, then, businesses and individuals who are not creditworthy may receive the nod to utilize credit....   [tags: Finance ]
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Methodology of Monitoring Activities Related to the Progress in the Implementation of the Performance Indicators - Methodology of monitoring activities related to the progress in the implementation of the Performance Indicators (Conditions) for Disbursement of Variable Tranche under the EU Budget Support, Discussion paper prepared This document so to speak present the methodology in preparation of the monitoring activities and the monitoring reporting requirements on progress in the implementation of the Performance Indicators (Conditions) for Disbursement of Variable Tranche under the EU Budget Support....   [tags: Finance ] 1196 words
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Valuations Differences in Private Equity Funds, Mutual Funds, and Hedge Funds - Over the last several years, the total number of investment options that investors have available to them, have increased dramatically. This is evident in the overall increase in the number of private equity funds, hedge funds and mutual funds. For example, the total number of private equity deals that were completed in the year 1970 was a total of 12 transactions accounting for $13 million of investment capital. In 2007, this number of transactions increased 2, 247 and accounted for a total of $70 billion in investment capital....   [tags: Finance ]
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3428 words
(9.8 pages)
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SWOT Analysis of the Balanced Scorecard in the UK Banking Sector - In the last two decades of the 20th century, the UK banking industry experienced huge change because of three factors: deregulation, new technology and increasing competition (Gardener et al, 1999, cited in Hailey et al, 2005). Some banks such as NatWest, Halifax and Royal Bank of Scotland (RBS), have successfully survived from the impact of the new century. Just as the head of employee at RBS indicates, the most significant part of their success is the use of the Balanced Scorecard in the performance of employees....   [tags: Finance]
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The Effects of Self-esteem and Risk-Taking Behaviors on Financial Management - Abstract Past research suggests personality variables may affect a person’s style of financial management. Specifically, the purpose of this study was to investigate possible correlations between self-esteem and risk-taking behaviors with financial management. We created a survey measuring these variables, in addition to asking some demographic questions, and had anonymous participants from a Research Methods class take it online. After conducting the survey with the 27 participants, we were unable to find any notable correlations to support our hypotheses, although we established correlations with our gender and age demographic questions....   [tags: Finance]
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