Financial Services Essays (Examples)
Study Document
Governments Procurement Methods In Integrated Public Service
… procurement by governments where there is a larger number of stakeholders involving the government, the private sector, and the general public is securing services and, or goods. The model focuses on the delivery of services, products, and infrastructure to the public. The areas under focus transcend a broad span, including water treatment, transportation, health, education, energy, environment, among … transportation, health, education, energy, environment, among others. It is a common belief that PPP is a great approach to handle the provision of services and products to the public. The procurement strategy is known as the Public-Private Partnership. As the name suggests, the program is meant to … suggests, the program is meant to encourage the government to involve the private sector and the general public in the provision of public services. There are conflicting views regarding the process of negotiation, participation by the public and private financiers, and accountability.……
References
Bibliography
Duff, V. (2020). What is organizational integration? Retrieved from https://smallbusiness.chron.com/organizational-integration-82053.html
Friedman, S. (2016). Successful public/private partnerships from principles to practices. Washington, DC: Urban Land Institute.
Ma, L., Li, J., Jin, R., &Ke, Y. (2019). A holistic review of public-private partnership literature published between 2008 and 2018. Advances in Civil Engineering. Retrieved from http://downloads.hindawi.com/journals/ace/2019/7094653.pdf
PrivacySense. (2016). Public sector. Retrieved from http://www.privacysense.net/terms/public-sector/
Reddy, C. (2016). Staff training: Importance, benefits, advantages, and disadvantages. Retrieved from https://content.wisestep.com/staff-training-importance-benefits-advantages-disadvantages/
Sekhri, N., Feachem, R., & Ni, A. (2011). Public-private integrated partnerships demonstrate the potential to improve health care access, quality, and efficiency. Health Affairs, 30(8).
Study Document
Financial Planning
… 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 … get $225 and $100 respectively.
The college tuition fee has witnessed the highest price hike till 2014 compared to all the other consumer services of about 260% than 120% on other items.[footnoteRef:1] Which shows that the hike hasn’t stopped and can grow more, so it’s very important … 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……
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
Banking Industry Crimes
financial Crimes, Fraud, and Investigation
The banking sector is a critical part of a country’s economy. This is more so the case given that … country’s economy. This is more so the case given that it is actively involved in the holding as well as management of diverse financial assets and the coordination of financial activities for the various other economic sectors. Although at the core of banking is holding of financial assets, other key activities include, but they are not limited to, commercial and personal banking services, insurance, etc. In that regard, therefore, banks happen to be one of the most sensitive sectors in an economy. Bank managers have a … the perspective of a bank institution are inclusive of the government and the various regulatory agencies, customers, investors, employees, other institutions in the financial services sector, etc. In seeking to promote transparency – both within and without –……
References
References
Albrecht, W.S., Albrecht, C.C., Albrecht, C.O. & Zimbelman, M.F. (2008). Fraud Examination (3rd ed.). Mason, OH: Cengage Learning.
Dionne, B. (2020). Regions Bank Teller Accused of Stealing Customer Identities Faces Felony Charges. Retrieved https://www.wbrc.com/2020/01/30/regions-bank-teller-accused-stealing-customer-identities-facing-felony-charges/
Golden, T.W., Skalak, S.L. & Clayton, M.M. (2006). A Guide to Forensic Accounting Investigation. Hoboken, NJ: John Wiley & Sons.
Krancher, M., Riley, R. & Wells, T.J. (2010). Forensic Accounting and Fraud Examination. Hoboken, NJ: John Wiley & Sons.
Singleton, T.W., Singleton, A.J. & Bologna, R.J. (2006). Fraud Auditing and Forensic Accounting (3rd ed.). Hoboken, NJ: John Wiley & Sons.
Zagaris, B. (2010). International White Collar Crime: Cases and Materials. New York, NY: Cambridge University Press.
Study Document
CFOs Big Data Opportunities In Firms
… their target users and create new value that is highly tailored to the needs of the market (Turner, Schroeck & Shockley, 2013).
The financial services sector is one of the industries that have adopted Big Data at scale to inform decision making. In stock trading, algorithmic trading and … and big data help investors utilize historical data to maximize the returns on their portfolios. As the adoption of Big Data in the financial services sector continues, the landscape of the industry is likely to see significant changes in the coming years. Nonetheless, it is notable that organizations … the day. Therefore, this security problem should be overcome as soon as possible because of the tremendously big risk it poses to the financial services sector. The growth of Big Data and associated IT infrastructural development can cure this problem. Another limitation of traditional data tools and models … segments when……
References
References
Chen, H., Chiang, R. H., & Storey, V. C. (2012). Business intelligence and analytics: From big data to big impact. MIS quarterly, 36(4).
Jin, X., Wah, B. W., Cheng, X., & Wang, Y. (2015). Significance and challenges of big data research. Big Data Research, 2(2), 59-64.
Joshi, N. (2018). How Big Data Can Transform the Finance Industry. Retrieved October 7, 2019, from https://www.bbntimes.com/en/technology/big-data-is-transforming-the-finance-industry .
Nath, T. I. (2019). How Big Data Has Changed Finance. Retrieved October 7, 2019, from https://www.investopedia.com/articles/active-trading/040915/how-big-data-has-changed-finance.asp .
Turner, D., Schroeck, M., & Shockley, R. (2013). Analytics: The real-world use of big data in financial services. IBM Global Business Services, 27.
Yin, S., & Kaynak, O. (2015). Big data for modern industry: challenges and trends [point of view]. Proceedings of the IEEE, 103(2), 143-146.
Zhou, K., Fu, C., & Yang, S. (2016). Big data driven smart energy management: From big data to big insights. Renewable and Sustainable Energy Reviews, 56, 215-225.
Study Document
The Time Value Of Money
Week 1 Discussion
What is Money Worth
Time value of money is an important consideration when making financial decisions. For instance, money is useful for making immediate transactions—but if one holds onto cash too long, what happens to the value of … once in market downturns.
For this reason, diversifying one’s investments are necessary. As Northwood and Rhine (2018) point out, “having access to mainstream financial services can help” people learn what their options are (p. 317). And as Valaskova, Bartosova and Kubala (2019) show, many investors are irrational when … should be discussed with families so that they understand risks that are attendant with investments when one is seeking to make the right financial decisions (Cook & Sadeghein, 2018).
I would make investment decisions based upon an understanding of liquidity, how scarce an asset is, and whether … to hedge against losses in the time value of money.
References……
References
References
Cook, L. A., & Sadeghein, R. (2018). Effects of perceived scarcity on financial decision making. Journal of Public Policy & Marketing, 37(1), 68-87.
Northwood, J. M., & Rhine, S. L. (2018). Use of bank and nonbank financial services: Financial decision making by immigrants and native born. Journal of Consumer Affairs, 52(2), 317-348.
Valaskova, K., Bartosova, V., & Kubala, P. (2019). Behavioural Aspects of the Financial Decision-Making. Organizacija, 52(1).
Study Document
Self Regulation Proposal
… 2008). Omarova (2011) describes the problematic nature of third-party regulation best in our industry: “Given the complexity and global nature of the modern financial market, any government's attempt to regulate it in a purely unilateral command-and-control manner will inevitably encounter the fundamental problem of regulatory arbitrage, whereby … market, any government's attempt to regulate it in a purely unilateral command-and-control manner will inevitably encounter the fundamental problem of regulatory arbitrage, whereby financial institutions find new ways to get around government rules, thus creating a never-ending spiral of rulemaking and rule evading” (Omarova, 2011, p. 416). … in many cases these fines do not cover the losses caused by the offending firm’s actions—nor are they more than a wrist-slap in financial terms (Greene & Odorski, 2015). The Fair Funds provision of the Sarbanes-Oxley Act (2002) was meant to ensure that fines were placed into ……
References
References
Arner, D. W., Barberis, J., & Buckey, R. P. (2016). FinTech, RegTech, and the reconceptualization of financial regulation. Nw. J. Int'l L. & Bus., 37, 371.
Arnone, M., & Padoan, P. C. (2008). Anti-money laundering by international institutions: a preliminary assessment. European Journal of Law and Economics, 26(3), 361-386.
Greene, E., & Odorski, C. (2015). SEC enforcement in the financial sector: addressing
Omarova, S. T. (2010). Rethinking the future of self-regulation in the financial industry. Brook. J. Int'l L., 35, 665.post-crisis criticism. Bus. L. Int'l, 16, 5.
Omarova, S. T. (2011). Wall street as community of fate: Toward financial industry self-regulation. University of Pennsylvania Law Review, 159(2), 411-492.
Pritchard, A. C. (2003). Self-regulation and securities markets. Regulation, 26, 32.
Study Document
Military Leadership Role In Sustainment
… maximum efficiency, effectiveness, and expedience.
The primary components of sustainment include all logistics (for both inbound and outbound supply coordination and distribution), personnel services (including medical support and other staff assistance), and the integration of special staff requirements such as engineering or repairs (ADRP 4-0). Transportation services, legal support, and financial services may also be required during the sustainment process (FM 3-96). The CSM/SGM meets regularly with the commander to ascertain needs and evaluate the … with the commander to ascertain needs and evaluate the effectiveness of current sustainment strategies. Likewise, the CSM/SGM coordinates with strategic personnel for coordinating services and allocating resources as needed, within specified budgets and time frames. Timeliness and clear communications are among the most important of the qualities … sustainment process it, the CSM/SGM needs to build a responsible and responsive sustainment staff, delegating tasks as required and ensuring ongoing coordination of services. Positions……
References
References
ADRP 4-0
FM 3-96
Runnels, J.A. (2013). The role and responsibility of the Command Sergeant Major within the Armor Brigade Combat Team in the Sustainment Warfighting Function
Study Document
Employee Treatment In The Workplace
… promotion, firing, raising salaries and benefits because of age. Prohibition of age-based discrimination as shown in ADEA was highlighted in Gross v. FBL financial services, Inc. In this case, the Supreme Court ruled that age was the but-for-cause of the challenged adverse action taken by the employer (U.S. ……
References
References
Coble, C. (2015, June 11). Can Undocumented Immigrants Get Workers’ Comp? Retrieved March 12, 2020, from https://blogs.findlaw.com/injured/2015/06/can-undocumented-immigrants-get-workers-compensation.html
Grabell, M. & Berkes, H. (2018, February 7). Florida Bill Seeks to Stop Arrests of Injured Immigrant Workers. National Public Radio. Retrieved March 12, 2020, from https://www.npr.org/sections/thetwo-way/2018/02/07/583995647/florida-bill-seeks-to-stop-arrests-of-injured-immigrant-worker s
Jennings, M. (2018). Business: Its Legal, Ethical, and Global Environment (11th ed.). Mason, OH: Cengage Learning.
Lenard, P.M. (1987). Unjust Dismissal of Employees at Will: Are Disclaimers a Final Solution? Fordham Urban Law Journal, 15(2), 533-565.
Lindsay, D.C. & Moore, L.M. (2011). State and Federal Leave Laws: How Recent Legislative Changes Have Complicated Leave Administration. Employment Relations Today, 38(1), 77-90.
Macgillivray, E.D., Beecher, H.J.M. & Golden, D. (2010, December). Legal Developments – Recent Action, Federally and in the Workplace. Global Business and Organizational Excellence, 73-81.
Mello, J.A. (2019, August 9). Why the Equal Pay Act and Laws Which Prohibit Salary Inquiries of Job Applicants Can Not Adequately Address Gender-Based Pay Inequity. SAGE Open, 9(3), https://doi.org/10.1177/2158244019869106
Muhl, C.J. (2001, January). The Employment-at-will Doctrine: Three Major Exceptions. Monthly Labor Review, 3-11. Retrieved from Bureau of Labor Statistics website: https://www.bls.gov/opub/mlr/2001/01/art1full.pdf
Study Document
Starbucks
… during the Great Recession. The company’s investment strategies should have reflected its strategic priorities during this period, and an analysis of the company’s financial over this time should illustrate that. Starbucks’ growth since 1998 has mainly been in overseas markets, but the company has also branched out … As a consequence, retained earnings fell from $5.563 billion in 2017…[break]…is facing contraction but does not appear to have built that into its financial plan. The decline in equity to the deep negative levels of today is the result of a company that appears to have thought … a bit from McDonalds, which is viewed far less favorably. However, industry trends will occur regardless, and companies need to undertake the appropriate financial steps in order to ensure that they can meet their ongoing operational needs, and their expansion needs at the same time.
The abrupt … order to ensure that they……
References
References
Cannivet, M. (2019) Starbucks’ big stock buyback limits future upside. Forbes. Retrieved October 4, 2019 from https://www.forbes.com/sites/michaelcannivet/2019/08/29/starbucks-big-stock-buyback-limits-future-upside/#26c434067047
Hawley, J. (2019) Who are Starbucks’ main competitors? Investopedia. Retrieved October 4, 2019 from https://www.investopedia.com/articles/markets/101315/who-are-starbucks-main-competitors.asp
Macrotrends (2019) Starbucks. Macrotrends.com. Retrieved October 4, 2019 from https://www.macrotrends.net/stocks/charts/SBUX/starbucks/financial-statements
Marketwatch (2019) McDonalds Marketwatch. Retrieved October 4, 2019 from https://www.marketwatch.com/investing/stock/mcd/financials
Sharf, S. (2013) Starbucks ordered to pay Kraft $2.8 billion. Forbes. Retrieved October 4, 2019 from https://www.forbes.com/sites/samanthasharf/2013/11/12/starbucks-ordered-to-pay-kraft-2-8-billion/#5516b7fa167d
Starbucks 1999 Annual Report. Retrieved October 4, 2019 from https://s22.q4cdn.com/869488222/files/doc_financials/annual/1999/102640_financials2_99.pdf
The Coffee Brewers (2008) With Starbucks closing 600 shops, is the coffee business still lucrative? The Coffee Brewers. Retrieved October 4, 2019 from https://www.thecoffeebrewers.com/starbucks.html
Study Document
Higher Education Institutional Crisis And Solutions
… body (California State University Los Angeles, 2020).
Organizational Problem
One of the fundamental problems being faced by California State University, Los Angeles is financial limitations and constraints to facilitate student aid and also university business operations. Statistics indicate that several higher education organizations are experience major financial challenges, facing an increase of 8 percent in the 2017 school year. Furthermore, the declining state funding year after year for higher education … partners to generate new revenue streams. Furthermore, the university needs to set aside outdated strategies for student enrollment and replace them with newer financial aid analytical models that distinguish academic programs. Also, they need to emphasize student life and concentrate on results via a stronger career-counseling network ……
References
References
California State University Los Angeles. (2020). Strategic Plan. Retrieved from: http://www.calstatela.edu/strategicplan
Chavez, M. (2019). Cal State LA has proposed a plan to cut enrollment for incoming freshmen beginning Fall 2020. University Times. Retrieved from: https://csulauniversitytimes.com/operation-impaction/
Finney, J. E. (2014). Why the finance model for public higher education is broken and must be fixed. Public Policy Initiative 2(6).
Wiley Education Services. (2020). Top Challenges Facing U.S. Higher Education. Retrieved from: https://edservices.wiley.com/top-higher-education-challenges/
Unigo. (2020). California State University – Los Angeles: What do you consider the worst thing about your school? Why? Retrieved from: https://www.unigo.com/colleges/california-state-university-los-angeles/q-and-a/what-do-you-consider-the-worst-thing-about-your-school-why-673/1
Mitchell, B. C. (February 22, 2018). America\\\\\\\\\\\\'s colleges and universities have a serious revenue problem. Hechinger Report. Retrieved from: https://hechingerreport.org/opinion-americas-colleges-universities-serious-revenue-problem/
Hussain, S. (February 25, 2019). Cal State L.A.\\\\\\\\\\\\'s plan to raise admissions standards faces pushback from students and faculty. Los Angeles Times. https://www.latimes.com/local/lanow/la-me-edu-cal-state-los-angeles-admissions-20190225-story.html
Zeleza, P. T. (March 12, 2020). Money Matters: The Financial Crises Facing Universities. The Elephant. Retrieved from: https://www.theelephant.info/ideas/2020/03/12/money-matters-the-financial-crises-facing-universities/
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