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Finance essay sample

February 25th, 2011 No comments

There has been an increased level of competition among financial intermediaries since the late 1990’s and it will continue into the new millennium. The large players in this increased competition are the nonbank financial intermediaries. Our text explains that nonbanks are “other intermediaries and non-financial companies that have taken an increasing share of intermediation” (Burton & Lombra, 311). The text continues that these banks face much less regulation than traditional banks, which translates to significantly lower costs. This factor is allowing nonbank intermediaries to create a stronghold on the market, which is at its highest profit rates in history (312). What, exactly, are these intermediaries doing to banking?

Nonbanks play an important dual role in the financial system. They complement the role of commercial banks by filling gaps in their range of services. But they also compete with commercial banks and force them to be more efficient and responsive to the needs of their customers. Most nonbanks are also actively involved in the securities markets and in the mobilization and allocation of long-term financial resources. Pension funds and other institutional investors that move large long-term financial resources, act as intense opposition to the once dominant commercial banks. Nonbank financial intermediaries include various institutions, such as leasing, factoring, and venture capital companies to various types of contractual savings and institutional investors (pension funds, insurance companies, and mutual funds). The common characteristic of these institutions is that they mobilize savings and facilitate the financing of different activities, but they do not accept deposits from the public. The lack of public deposit capabilities is beginning to change, however, with the institution of on-line banking. Since on-line banking is the most prominent of the nonbank financial intermediaries, it will be our main focus. Read more…

Corporate Finance Essay

November 10th, 2009 No comments

Corporate finance essays can be frustrating due to the math and the research involved in making the essay qualified and professional. You can make this project must easier and much more organized just by using a few steps and methods to accomplish your goals. For example, begin your paper by analyzing the needs of your paper from your instructor’s syllabus and from the rubric. Most educators will provide you with both of these sources to assist you in developing the best work using the instructions. You may find that your requirements include a number of references, a specific page count, and even a set number of related terms from your coursework. These are very important to track and check on while you work. When your instructor provides you with a rubric, you should always compare the final piece to the rubric to establish that you have met all of the requirements.

Next, your books have many of the answers that you need to succeed, and most schools are able to present a great deal of the research as part of the program, when referring to the corporate finance essay. This is because the corporate finance is difficult to develop research for, as most organizations do not want to share information from their work environment, regarding incoming finances. This type of information should be carefully handled when answer your instructor’s requests for information, most students will ask before the assignments is started, in this way, you know that are demonstrating best practices in the papers you send into your school. You will be successful at writing the best corporate finance essay by using your instructor’s syllabus and rubric to evaluate the needs of your essay.

International Finance Essay

November 2nd, 2009 No comments

Your International finance essay may be frustrating because it can be difficult to gather the right amount of information to fit the needs of the assignment. You will want to review the topic you will cover carefully and begin very simply with online resources. This is also just a beginning – that will get you started, because most colleges and universities have access to a database that will be filled with economic information for any country you select. The database you use may be easier to use once you have selected the countries you wish to use from sources online. Each country your select to review must fit into the profile requirements of your instructor.

If your instructor has provided you with a syllabus and a rubric that gives you information regarding this assignment, it is essential to read this information carefully before beginning your assignment. Most assignments are done incorrectly because the student has not read the materials for the course or the requirements of the assignment. This is the easiest problem to solve and should be a first step in all assignments for all courses throughout your education.

The second most common error that students make with developing International finance essays is forgetting the significant role that laws play in influencing the interactions between countries – it is not just each countries domestic laws and policies that play an important role – but also neighbor countries and international policies. Establish the parameters of your assignment and review the information found online and in your school’s database while writing your essay. It is very important to understand the needs of your assignment in order to prevent gathering too much information that you will not need.

Finance Essay Ideas

October 13th, 2009 No comments

Some of the best finance essay ideas come from the work you will find in your textbooks. Many students find it difficult to write finance essays because it seems that these courses are predominately about math. This is true; however, finance has a history, a relevance to changes in business policies, and even contributes to a number of cultural changes worldwide. In addition, ethical issues are often regarding finance issues, and when these needs are not meet by organizational structures they result in additional laws for the finance departments to follow.

Many educators will have finance students develop finance essay writing ideas that revolve around the ethical needs of finance department in organizations. This is developed to increase the awareness of your learning to that of social and economic demands around you. As many students are aware, a number of finance issues have arisen in the past 50 years, and extensively in the past two decades, that address the need for responsible teams in the finance departments. These needs include the ability to keep excellent records and make sound judgments that fit into the current ethical environment and keep honesty as the strong point within an organization. These issues make excellent sources for essays when the instructor has not assigned a specific topic for the finance essay.

In addition, finance essays often describe circumstances that will be encountered or describe what types of formulas and paperwork must be developed for different situations. You can develop a great finance essay by considering how the different topics in class could be applied to your current work environment, or possibly even to your daily life – such as finance regarding saving money or purchasing a house. Each different idea will demonstrate the work you have done in class as well as application of it to other areas of life. All these tips and guidelines will help you to write a good Finance essay in your school, college and university.

Finance Analysis of Merck

September 29th, 2009 No comments

Introduction
The nature of financial analysis for a given company or industry has changed dramatically in the last few years. Due to both the exponentially increasing dynamic nature of business, as well as the greatly enhanced ability to gather a wealth of information, making decisions on the viability and stability of a company or industry has grown increasingly complex. One method in determining the overall health of a business is the use of financial ratio analysis. Comparing various facets of a company’s financial performance through its ratios, especially when also comparing these same ratios for peer companies as well as the industry as a whole, can be a useful starting point for any investor. In this paper, we attempt to provide cursory information regarding the financial performance for Merck & Co., a major pharmaceutical provider, through a few ratios computed from the company’s recent financial reports. We also compare Merck with two similar companies in the major drug industry, as well as the industry itself. Using these ratios, it would seem that Merck is slightly under performing in the pharmaceutical industry. Read more…

ACS State and Local Solutions

September 9th, 2009 No comments

The objective of the research paper is to present ACS State and Local Solutions as an organization that can benefit from a change readiness assessment. The twenty first century points to a constant change, rapid growth, and to try to get as much business as possible, however constant search for more capital weakens and strengthens different areas of the organization.

Weisbord proposes his Six-Box model as a diagnostic framework for organizations. He expresses that a blip in any one box cannot be managed independently of its relationship to other boxes. However, six potential starting places give you alternatives when choosing an improvement strategy (Weisbord 1978).

Let us analyze the purpose of the organization. What business is ACS State and Local Solutions in? The organization is in the business of helping people to achieve self-sufficiency, and to process childcare checks on a timely manner to ensure a better quality life for children. Both contracts are with Miami Dade County, the first is twelve million dollars with one hundred forty five employees and the latter is a sixty five million dollars and a staff of forty-five. Read more…

Islamic Finance Essay

September 3rd, 2009 No comments

Islamic financial institutions now operate in over 75 countries. Their assets have increased more than 40-fold since 1982 to exceed $230 billion.

The first Islamic banks were created in the 1970s, at the time when the “aggiornamento” of Islamic doctrine on banking matters was taking shape. At the time, Islamic banks were typically commercial banks operating on an interest-free basis. Today, as a consequence of broad changes in the political-economic environment a new generation of Islamic financial institutions, more diverse and innovative, is emerging as the doctrine is undergoing a new aggiornamento.

Perhaps the most important development has been the growing integration of Islamic finance into the global economy. There is now a Dow Jones Islamic Market Index, which tracks 600 companies (from inside and outside the Muslim world) whose products and services don’t violate Islamic law. Foreign institutions such as Citibank have established Islamic banking subsidiaries, and many conventional banks– in the Muslim world but also in the United States and Europe–are now offering “Islamic products” that are sometimes aimed at non-Muslims.

Islamic finance is thus in many ways well suited to the global economy. Read more…

Essay on Financial Managers

September 1st, 2009 No comments

The role of the financial manager is very crucial to an organization. They hold the most important ingredient of a company in the palm of their hands, management of cash flow of a company. Since financial managers can be found in almost every organization, it is important to understand their role in an organization. In this paper I will examine the role of the financial manager. I will further compare and contrast these roles with that of an accountant.

Financial Managers
Our University of Phoenix e-text states, “Financial managers stand between the firm’s real assets and the financial markets in which the firm raises cash” (p. 8). They are ultimately responsible for overseeing the flow of cash between investors and the firm. Financial managers view the firm on a more global level. They are faced with managing the firm’s investments and how the funds are raised for these investments. Read more…

Internet Banking Essay

August 25th, 2009 No comments

Internet banking is the new method of banking using the new technologies available in the world today. Instead of needing to travel into a local branch of your bank, the Internet allows you to do a wide variety of useful things with your accounts. It can be accessed from anywhere that there is a computer with the Internet, and of course unlike bank branches the net is open 24 hours a day 7 days a week.

The services available online vary from bank to bank. Most of the general services are on all banking websites but the larger banks contain more control over your money. Here are some of the things that are possible –

• View your account balances
• Pay your bills (With the help of programs like ‘B-Pay’
• View records of transactions
• Transfer money to linked accounts with the same bank
• Transfer money to specially selected unlinked accounts
• Order printed payment reviews
• Pay for shares
• Check interest in your accounts
• Send money overseas
• Change your details
• Open new accounts
• Receive advice on handling funds Read more…

Corporate Finance Essay

August 20th, 2009 No comments

To fully understand how the business culture has acquired the greed mindset, a look at what a corporation is and defining corporate behavior becomes the starting point. First a corporation is defined as “an association of individuals, created by law and having an existence apart from that of its members as well as distinct and inherent powers and liabilities (Webster Dictionary).” Although made up of people, being separate or apart from its members also equals unaccountability. The question of “who pays when a company goes under” is at the forefront of discussions today.

Corporations are developed to serve society, meet a need or provide a service. Over the years, however, the good intentioned corporation has evolved into a greed machine that has lost site of the community that it serves and the people employed who ultimately perform the work. The steady parade of top executives confessing to engage in price gouging, tax dodges, accounting shams, employee rip-offs, and other shady unacceptable acts are coming to light daily. Unethical and illegal practices are documented from the RJR Nabisco scandals in 1988 to today’s Enron, WorldCom, Merrill Lynch, Arthur Anderson, Xerox, and endless other corporations. The world realizes now that corporate greed is not about one-bad company, but large companies in general that have adopted unacceptable guidelines for corporate behavior and an overall attitude that greed is acceptable. Read more…