Financial Planning Essays (Examples)
Study Document
Financial Planning
Debt Management and Retirement planning
It is very important for Howe to pay all their debts and free themselves of the liability since a lot of loan like … and secondly, because they can solely focus on the saving part as well.
Once the debt is paid off, they can become more financial stable and can make decisions independently. They can direct themselves to other goals since there are so many premium payments of insurance, monthly … educational needs while also assisting them to become more stable and independent in their lives. [1: Solution, I. D. (n.d.). How To Set financial Goals: 6 Simple Steps. InCharge Debt Solution.]
Moreover, these saved up funds from paying off the liabilities can be used for investment purposes … promising rate of return with lesser risk. These returns can be saved up or re-invested with a tax free IRA, again assisting their financial goals.……
References
References
Doyle, A. (2019, May 14). How much is the average wage in America. The Balance Careers. Retrieved from https://www.thebalancecareers.com/how-much-is-the-average-raise-in-america-4582795
Solution, I. D. (n.d.). How To Set Financial Goals: 6 Simple Steps. InCharge Debt Solution.
Study Document
US Healthcare Reimbursement And Insurance Issues
… It constitutes one means by which individuals in different nations pay for their healthcare needs. When individuals hailing from poor backgrounds without any financial risk protection get sick or injured, they encounter the following difficulty: they may either make use of healthcare services, further impoverishing themselves by … isn’t the sole factor to be considered by healthcare organizations. Healthcare organizations seeking both long life and heightened current patient outcomes must consider financial planning. Those bracing for the future are also better equipped to handle coming change. With the swift evolution of healthcare markets, it is sometimes … capital budgets. But organizations prepared for the numerous future possibilities may more effectively and strategically plan for the future in terms of finance. financial security can be secured by organizations planning well in advance where to spend funds while seeking areas for cost improvements. Healthcare practitioners not constantly seeking areas for improving……
References
References
Araujo, M. (2020). Health and medical insurance differences: HMO, PPO, POS, EPO. Retrieved from https://www.thebalance.com/health-and-medical-insurance-2645378
Bertram, M. Y., Lauer, J. A., De Joncheere, K. D., Edejer, T., Hutubessy, R., Kieny, M. P., & Hill, S. R. (2016). Cost-effectiveness thresholds: pros and cons. Bull World Health Organ, 94, 925–930. http://dx.doi.org/10.2471/BLT.15.164418926
Dey, P., & Bach, P. B. (2019). The 6 functions of health insurance. The JAMA Forum, 321(13), 1242-1243. DOI:10.1001/jama.2019.2320
Ho, A. (2015). Health insurance. Encyclopedia of Global Bioethics. Retrieved from https://www.researchgate.net/publication/298022702_Health_Insurance
IMedPub. (2020). Health insurance. Retrieved from https://www.imedpub.com/scholarly/health-insurance-journals-articles-ppts-list.php
Maruthappu, M., Hasan, A., & Zeltner, T. (2016). Enablers and barriers in implementing integrated care. Health System & Reform, 1(4), 250-256. https://doi.org/10.1080/23288604.2015.1077301
Sekhri, N. (2000). Managed care: The US experience. Bulletin of the World Health Organization, 78(6), 830-844. Retrieved from https://www.who.int/bulletin/archives/78(6)830.pdf
Strata Decision Technology. (2020). Healthcare and hospital capital budget. Retrieved from https://www.stratadecision.com/healthcare-and-hospital-capital-budget/
Study Document
Purchasing And Supply Management
… supply, service and materials. This tells you what you…[break]…shows that risk can be divided into categories based on assessment, mitigation, monitoring, and contingency planning. From there the tool for managing risk is basically just as Harland et al. (2003) described their own.
This shows that Harland et … play in the supply chain by developing a business strategy of “doing more with less” (p. xvii). However, the supply chain focused manufacturing planning model that Benton (2013) gives is fundamentally in line with the risk management tool given by Harland et al., (2003). Benton (2013) examines … be quite damaging to the bottom line. For that reason, it is evident that in order to properly manage supply chain focused manufacturing planning, the firm must have an adequate risk management tool in place like that conceived by Harland et al. (2003) but just with the … line going up. If done……
References
References
BDC. (2019). 6 ways the purchasing department can improve your business. Retrieved from https://www.bdc.ca/en/articles-tools/operations/purchasing/pages/purchasing-department-objectives.aspx
Benton, W. C. (2013). Supply chain focused manufacturing planning and control. Nelson Education.
Burt, D. N. (2010). Supply Management, 8th Edition. Devry.
Harland, C., Brenchley, R., & Walker, H. (2003). Risk in supply networks. Journal of Purchasing and Supply management, 9(2), 51-62. Retrieved from http://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.471.2910&rep=rep1&type=pdf
Holmlund, M. & Strandvik, T. (1999) Perception configuration in business relationship, Management Decision, 37(9), 686-696
MacNeil/Lehrer Productions (Producer). (1999). Your computer, your way: Dell and thedirect sales model [Video file]. Retrieved from https://libraryresources.columbiasouthern.edu/login
Monczka, R. & Handfield, R. (2016). Purchasing and supply chain management. Boston, MA: Cengage.
NC State University. (2003). Negotiating for success. Retrieved from https://scm.ncsu.edu/scm-articles/article/negotiating-for-success
Study Document
Understanding The Factors Affecting The Success Of Credit Risk In
… companies and entrepreneurs. In the past decade, there have been dramatic changes concerning the management of risk in the banking industry. Progressively more financial institutions and managers have augmented the focus on the significance of risk management. In delineation, risk management encompasses the practice of identifying, assessing … and influence of disastrous events or to capitalize in the realization of prospects (Gizaw, Kebede, and Selvaraj, 2015).
The power and supremacy of financial establishments, particularly commercial banks, to generate money is of great significance in business operations. These banks operate as financial intermediaries within any economic setting and they are key providers of financial credit to both the corporate and household sectors. Credit risk is basically the likelihood that a borrower in a financial institution or a counterparty will end up failing to meet its obligations in line with the consented terms and conditions. In general, credit … it basically……
References
References
Bhattarai, Y. R. (2016). Effect of credit risk on the performance of Nepalese commercial banks. NRB Economic Review, 28(1), 41-64.
Das, A. and Ghosh, S. (2007). Determinants of Credit Risk in Indian State-owned Banks: An Empirical Investigation. Economic Issues, 12(2): 48-66.
Derelio?lu, G., & Gürgen, F. (2011). Knowledge discovery using neural approach for SME’s credit risk analysis problem in Turkey. Expert Systems with Applications, 38(8), 9313-9318
Garr, D. K. (2013). Determinants of credit risk in the banking industry of Ghana. Developing Country Studies, 3(11), 64-77.
Gizaw, M., Kebede, M., & Selvaraj, S. (2015). The impact of credit risk on profitability performance of commercial banks in Ethiopia. African Journal of Business Management, 9(2), 59-66.
Johnson, B., & Christensen, L. (2008). Educational research: Quantitative, qualitative, and mixed approaches. New York: Sage.
Kithinji, A. M. (2010). Credit risk management and profitability of commercial banks in Kenya. (Doctoral dissertation, University of Nairobi).
Limam, I. (2001). Measuring technical efficiency of Kuwaiti banks. Kuwait: Arab Planning Institute.
Study Document
The Rising Cost Of Public Education In United States
… costs (Hess “The Cost of College Increased”).
The three causes for the rise in the cost of public education in the US are financial aids from the government and educational institutes, sticker price and price discrimination, and cost increment due to management issues. The consequences of this … management issues. The consequences of this rise include fall in student enrollments and graduation rates along with late buying of new homes and planning for marriages by young adults sue to loan paybacks. The most effective method to solve this problem are to cut down or eliminate … from the institutions.
Opposing Viewpoints
Despite an increase in costs of public educational institutions in the US for which the reasons mainly entail financial aids from the government and educational institutes, price discrimination, and cost increment due to management issues, there are numerous benefits for obtaining high … more loans and this putting……
References
Works Cited
Amour, Madeline. “Report: living expenses, not tuition, are the problem.” Inside Higher Ed, 13 May 2020, https://www.insidehighered.com/news/2020/05/13/living-expenses-are-larger- barrier-students-tuition-report-finds. Accessed 30 Jul. 2020.
Cude, Katherine. The Rising Cost Of Tuition At Four Year Public Universities: A Comparison Of The Explanations Offered By The Academic Literature And University Decision Makers. 2016. University of Vermont, Undergraduate theses. Scholar Works, https://scholarworks.uvm.edu/cgi/viewcontent.cgi?article=1027&context=castheses
Davidson, Adam. “Is College Tuition Really Too High?” The New York Times Magazine, 8 Sep. 2015, https://www.nytimes.com/2015/09/13/magazine/is-college-tuition-too-high.html . Accessed 30 Jul. 2020.
Desrochers, Donna, and Kirshstein, Rita. Labor Intensive or Labor Expensive? 2014. American Institutes for Research, Delta Cost Project. Lumina Foundation, https://www.luminafoundation.org/files/resources/deltacostair-labor-expensive-higher- education-staffing-brief-feb2014.pdf
Dickler, Jessica. “Why College Tuition Keeps Rising.” CNBC, 24 Oct. 2019, https://www.cnbc.com/2019/10/24/why-college-tuition-keeps-rising.html, Accessed 30 Jul. 2020.
Hemelt, Steven, and Marcotte, Dave. Rising Tuition And Enrollment In Public Higher Education. 2008. IZA, Discussion Paper. IZA, http://ftp.iza.org/dp3827.pdf
Hemelt, Steven, and Marcotte, Dave. “The Impact of Tuition Increases on Enrollment at Public Colleges and Universities.” Educational Evaluation and Policy Analysis, vol. 33, no. 4, Dec. 2011, pp. 435-457.
Hess, Abigail. “The Cost of College Increased by More Than 25% In the Last 10 Years- Here’s Why.” CNBC, 13 Dec. 2019, https://www.cnbc.com/2019/12/13/cost-of-college- increased-by-more-than-25percent-in-the-last-10-years.html. Accessed 30 Jul. 2020.
Study Document
Theory Practice Of Business Psychology In Johnson & Johnson Company
… also comprehensive in making sure that the employees are given significant benefits, including pension, and retirement benefits, compensation for education expenses, and even financial health (Johnson & Johnson, 2020).
In contrast, motivator factors consist of personal attainment, status, acknowledgment or recognition, promotion, the job itself, and prospects ……
References
References
Asim, M., 2013. Impact of Motivation on Employee Performance with effect of training: Specific to Education Sector of Pakistan. International Journal of Scientific and Research Publications, 3(9), 1-9.
Heneman, H. G., & Schwab, D. P., 1972. Evaluation of research on expectancy theory predictions of employee performance. Psychological Bulletin, 78(1), 1.
Herzberg, F., 1987. One More Time: How Do You Motivate Employees? Harvard Business Review, 65, 5.
Herzberg, F., Mausner, B. & Snyderman, B. 1959. The motivation to work. New York. John Wiley.
Hilgert, R. L., Leonard, E. C., 2001. Supervision: Concepts and practices of management. New York: South-Western College Publication.
Johnson & Johnson., 2020. Wellness 360: 9 Innovative Johnson & Johnson Employee Benefits for Mind, Body, and Budget. Retrieved 25 February 2020 from https://www.jnj.com/health-and-wellness/innovative-employee-benefits-and-wellness-programs-from-johnson-johnson
Johnson & Johnson., 2020. Careers: Healthiest Finances. Retrieved 25 February 2020 from https://www.careers.jnj.com/employee-benefits/financial-benefits .
Johnson & Johnson. , 2018. 2018 Health for Humanity Report: Creating Unique Career Opportunities. Retrieved 25 February 2020 from https://healthforhumanityreport.jnj.com/our-people/creating-unique-career-opportunities
Study Document
Decision Making And Student Affairs
… learning and development experience in an academic institution, it is imperative for “them” to have an effective collaboration across all facets of academic planning, activity suggestions, and the overall educational experience (Blake, 2017, p.65).
This paper examines a few examples of such collaborations with a focus on … affairs unit within an educational institution is better achieved, informed, and reinforced by a direct and strong collaboration with the academic affairs and planning unit (Terri, 2013, p. 144). An example of the positive influence of such a collaboration is seen in the case study described by … positive influence of student affairs and academic affairs collaboration, we switch to a more streamlined focus—in line with the aim…[break]…dean’s office supported the financial involvements of the coalition across its activities: seminars, courses, symposiums, etc.
· In the case of learning-living environments, the faculty should have an … engagement in such activities helps……
References
References
Blake, J. H. (2007). The crucial role of student affairs professionals in the learning process. New Directions for Student Services, 2007(117), 65–72. doi:10.1002/ss.234. Retrieved from: https://sci-hub.tw/https://doi.org/10.1002/ss.234
Commodore, F., Gasman, M., Conrad, C., & Nguyen, T.-H. (2018). Coming Together: A Case Study of Collaboration Between Student Affairs and Faculty at Norfolk State University. Frontiers in Education, 3. doi:10.3389/feduc.2018.00039. Retrieved from: https://sci-hub.tw/https://doi.org/10.3389/feduc.2018.00039
Kaslow, N. J., Garcia-Williams, A., Moffitt, L. B., McLeod, M., Zesiger, H., Ammirati, R., Berg, J.P., & McIntosh, B. J (2012). Building and Maintaining an Effective Campus-Wide Coalition for Suicide Prevention, Journal of College Student Psychotherapy, (26)121–139. DOI: 10.1080/87568225.2012.659160. Retrieved from: https://sci-hub.tw/https://doi.org/10.1080/87568225.2012.659160
Rohli, R.V., Keppler, K.J., & Winkler, D.L. (2013). Academic Development of First-Year Living-Learning Program Students before and after Hurricanes Katrina and Rita of 2005. Learning Communities Research and Practice, 1(3), 1-16. Retrieved from: https://files.eric.ed.gov/fulltext/EJ1112658.pdf
Spanierman, L. B., Soble, J. R., Mayfield, J. B., Neville, H. A., Aber, M., Khuri, L., & De La Rosa, B. (2013). Living Learning Communities and Students’ Sense of Community and Belonging. Journal of Student Affairs Research and Practice, 50(3), 308–325. doi:10.1515/jsarp-2013-0022. Retrieved from: https://sci-hub.tw/https://doi.org/10.1515/jsarp-2013-0022
Terri, F. B. (2013). Utilizing student affairs professionals to enhance student and faculty experiences and mitigate risk in short-term, faculty-led study abroad programs. Journal of International Education in Business, 6(2), 136-147. doi: http://dx.doi.org/10.1108/JIEB-05-2013-0019 . Retrieved from: https://sci-hub.tw/10.1108/JIEB-05-2013-0019
Study Document
Army Sustainment Function Of A Sergeant Major
… to strengthen the army in times of hostile situations, not leaving their grounds. Also, we should keep some room for improvising through contingency planning and adaptable strategies due to uncertain circumstances arising out of our knowledge capacity.
All the elements of sustainment requires precise planning, understanding, integrating and providing the resources through accurate allocation and distribution. As a sergeant major it comes under my duty to not just ……
References
Bibliography
Department of the Army . (2012). Sustainment. Washington, DC: Department of the Army .
Department of the Army . (2015). Brigade Combat Team. Washington, DC: Department of the Army .
Parins, C. L. (2011, August). The Sustainment Warfighting Function. Retrieved from Army Sustainment: https://alu.army.mil/alog/issues/julaug11/sustainment_function.html
Wade, N. M. (2015). SMFLS4: Sustainment & Multifunctional Logistics SMARTbook (4th ed.). The Lightning Press.
Study Document
Enterprise Risk Management In Wells Fargo During The Pandemic
… 1) a critical analysis, including a comparison and contrast of Enterprise Risk Management (ERM) vs. traditional risk management; 2) a discussion of hazard, financial, operational and strategic risks; 3) a SWOT analysis of Wells Fargo; 4) an examination of the relationship between organizational culture and ERM; 5) … profit opportunities; 6) two specific ways in which auditors can incorporate ERM into the company’s audits; 7) a discussion of the role of financial derivatives as both risk management and a speculative tool; and 8) a discussion of the ways three leading companies (one domestic and two … is that an action may be taken so long as the risk can be transferred to a third party. Hazard risk in the financial industry in the past has been associated with mortgage backed securities and collateralized debt obligations and credit default swaps. The risk of writing … for which…[break]…premium is determined by……
References
References
Beasley, M. (2020). How to Leverage ERM Principles to Better Respond to COVID-19-Related Risks. ERM Professional Insights.
Derysh, I. (2020). Watchdog questions why Wells Fargo reported giving only one large PPP loan to a Black-owned business. Retrieved from https://www.salon.com/2020/07/22/watchdog-questions-why-wells-fargo-reported-giving-only-one-large-ppp-loan-to-a-black-owned-business/
English, C. (2020). Wells Fargo Forced to Cut Its Dividend After Fed Stress Test. Here’s What Other Banks Did. Retrieved from https://www.barrons.com/articles/wells-fargo-forced-to-cut-its-dividend-after-fed-stress-test-51593467664
Hall, J. (2007). Internal Auditing and ERM: Fitting in and Adding Value. Retrieved from https://global.theiia.org/about/about-the-iia/Public Documents/Sawyer_Award_2007.pdf
Kaplan, R. & Mikes, A. (2012). Managing risks: A new framework. Harvard Business Review, 3.
Lewis, M. (2010). The Big Short. NY: W. W. Norton.
Lundqvist, S. (2014). Abandoning Silos for Integration: Implementing Enterprise Risk Management and Risk Governance. Lund University.
Morgenson, G. (2020). More Wells Fargo customers say the bank decided to pause their mortgage payments without asking. Retrieved from https://www.nbcnews.com/business/personal-finance/more-wells-fargo-customers-say-bank-decided-pause-their-mortgage-n1234610
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