Financial Services Essays (Examples)
Study Document
Twitter External Internal Analysis Report To CEO
…
· The Industry itself is growing as more and more people have access to the internet and are able to use the free services. Twitter had increased 23 million active monthly users, Facebook 461 million, and Instagram 400 million (C-138). Of that majority of revenue growth seen … being seen from acquiring new users as the new users now have the ability to access the internet thus to access social media services
· The industry has become such that the only way to have an upper hand over its competitors is to acquire one another. … major secondary activities of Twitter.
· Twitter is investing heavily in technology because more than 85% of its total revenue is from advertising services (C-143).
· Twitter is looking to improve their technological infrastructure because advertisers are looking for new and better ways of conveying their message … billions of online impressions of……
References
References
Thompson, Arthur A.,. (2015). Crafting and Executing Strategy: Concepts and Readings..New York: McGraw-Hill Education, (pp. 138-148)
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
Study Document
Fiscal Health Of Public Administration
… transaction is written (encoded) on the blockchain—the digital ledger—and shown to all. This would cut down on abuses in the delivery of public services by reducing the ability of individuals in public administration engage in fraud or deny people services that are their rightful due.
Third, using virtual learning systems can promote the application of free education and training for people in the ……
References
RReferences
Abiad, A. & Khatiwada, S. (2019). 5 ways technology is improving governance, public service delivery in developing Asia. Retrieved from https://blogs.adb.org/blog/5-ways-technology-improving-governance-public-service-delivery-developing-asia
Florida Tech. (2019). Five global trends in public administration. Retrieved from https://www.fit.edu/your-college-decision/trends-in-public-administration/
McDonald, B. (2017). Measuring the fiscal health of municipalities. Retrieved from https://www.lincolninst.edu/sites/default/files/pubfiles/mcdonald_wp17bm1.pdf
VCU. (2019). Public personnel administration. Retrieved from https://commed.vcu.edu/IntroPH/Management/management/personnel.html
Study Document
Veteran Benefits Administration
Introduction
The Veterans Benefits Administration (VBA) is an agency within the U.S. Department of Veterans Affairs (VA) and its purpose is to provide financial aid as well as other kinds of assistance to veterans in need, to their families or to their survivors as the case may … of the Organization and Social Needs It Addresses
The strategic goals of the VBA are that veterans will come to the organization for financial assistance and support to improve their lives. The goals can best be seen in the VBA’s vision statement, which shows that the organization … opportunities; 4) assists them in finding employment, and 5) helps them in getting a loan to buy a house. Work, family, education, and financial stability are the areas of social need that the VBA specializes in for veterans.
First, the VBA oversees disability compensation that is paid … program for survivors.
Third, the VBA……
References
References
Cohen, S. (2019). Disband the Veterans Administration. Retrieved from https://www.city-journal.org/veterans-administration-benefits
Faurer, J., Rogers-Brodersen, A., & Bailie, P. (2014). Managing the re-employment of military veterans through the Transition Assistance Program (TAP). Journal of Business & Economics Research (Online), 12(1), 55.
Hazle, M., Wilcox, S. L., & Hassan, A. M. (2012). Helping veterans and their families fight on!. Advances in Social Work, 13(1), 229-242.
Panangala, S. (2018). Department of Veterans Affairs FY2018 Appropriations. Retrieved from https://fas.org/sgp/crs/misc/R45047.pdf
U.S. Department of Veterans Affairs. (2014). Retrieved from https://www.benefits.va.gov/BENEFITS/about.asp
VBA. (2019). Retrieved from https://www.benefits.va.gov/benefits/
Study Document
Elder Abuse
… abuse and certain instances can be considered unequivocal (Saghafi, Bahramnezhad, Poormollamirza, et al., 2019).
Some types of abuse may go undetected, such as financial abuse or identity theft, which could go unnoticed for years. Healthcare workers often feel powerless to intervene in instances of financial abuse perpetrated by family members because of the fact that the family members are also primary caregivers, and there may also be little … risk factors (Lachs, Teresi, Ramirez, et al., 2016, p. 229). Elder abuse consists of various forms and degrees of physical, sexual, psychological, and financial abuse. It is also important to include self-neglect and general neglect as forms of elder abuse. Furthermore, both men and women can be … than it would seem. Not all cases of elder abuse involve physical or sexual assault, or overt instances of verbal abuse and aggression. financial abuse and psychological abuse vary in their severity;……
References
References
Falk, N. L., Baigis, J., Kopac, C., (August 14, 2012) \\\\\\\\\\\\"Elder Mistreatment and the Elder Justice Act\\\\\\\\\\\\" OJIN: The Online Journal of Issues in Nursing 17(3).
Forum on Global Violence Prevention; Board on Global Health; Institute of Medicine; National Research Council (2014). Ethical considerations. Washington (DC): National Academies Press (US); 2014 Mar 18.
Lacher, S., Wettstein, A., Senn, O., et al. (2016). Types of abuse and risk factors associated with elder abuse. Swiss Medical Weekly 2016(146): 1-10.
Lachs, M.S., Teresi, J.A., Ramirez, M., et al. (2016). The prevalence of ersident-to-resident elder mistreatment in nursing homes. Annals of Internal Medicine 165(4):229-236.
Malmedal, W., Iversen, M.H. & Kilvik, A. (2014). Sexual abuse of older nursing home residents: A literature review. Nursing Research and Practice 2015(Article 902515): http://dx.doi.org/10.1155/2015/902515
Roberto, K.A. (2016). The complexities of elder abuse. American Psychologist 71(4): 302-311.
Saghafi, A., Bahramnezhad, F., Poormollamirza, A., et al. (2019). Examining the ethical challenges in managing elder abuse: a systematic review. Journal of Medical Ethics and History of Medicine 2019(12): https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6642445/
Wangmo, T., Nordstrom, K. & Kressig, R.W. (2017). Preventing elder abuse and neglect in geriatric institutions: Solutions from nursing care providers. Geriatric Nursing 38(5): 385-392.
Study Document
US Healthcare Reimbursement And Insurance Issues
HealthCare Insurance and Reimbursement
Medical Insurance Products and services
Health and medical insurance represent an insurance coverage form that disburses operation and clinical treatment expenditure incurred by those insured. Such insurance may … 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 financing these services, or may forego treatment, stay sick/injured, and risk not being able to function properly or go to work. Regardless of the differences in … widely-chosen health insurance form, with the growth of healthcare expenses. The kind of managed scheme of an individual determines how the individual acquires healthcare services. Some of the key kinds of network healthcare plans are:
· Health Maintenance Organization (HMO)
· Point of Service……
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
Valiant
… distinctiveness within the advertising and marketing industry, and we will purpose to sustain our brand name and reputation in the highest regard possible.
services
Valiant Marketing prides itself in creating a link between businesses and the LGBTQ community. There are five fundamental services that our company will render to our consumers:
1. Public relations
This will include developing a wide range of programs and products that … wide range of programs and products that are means to sustain or improve the image and reputation of businesses and the products and services that they offer and will be focused on the LGBTQ consumers.
2. Advertising
This will include coming up with advertisements from the moment …
2. Advertising
This will include coming up with advertisements from the moment of conception of the ads to when they become completed. These services will have the fundamental objective of influencing the purchasing behavior……
References
References
NGLCC. (2019). About NGLCC. Retrieved from: https://www.nglcc.org/
Hill, C., & Jones, G. (2011). Essentials of strategic management. Nelson Education.
Hill, C. W., Jones, G. R., & Schilling, M. A. (2014). Strategic management: theory: an integrated approach. Cengage Learning.
Study Document
Directors Remuneration And Its Impact On Share Repurchases
… a case of conflict of interest or as immoral. As the global economic crisis of 2007-2008 showed, when immorality is introduced into the financial system, moral hazard can quickly escalate to the point beyond where effective risk management can any longer be demonstrated (Murray, Manrai & Manrai, … of the community in which the company is situated, consumers of the company’s products, employees of the company, and individuals from the legal financial industry. The objective is to obtain the views of stakeholders on share repurchases to see whether this activity is viewed with approval or … provide the substance for evaluation in this qualitative case study. The purpose of the comparison will be to unlock and explore the business’s financial and social situation in relation to how stakeholders view the morality of share repurchasing to see if there is a connection or trend … morality of share repurchasing to……
References
References
Bendix, R. (1974). Inequality and social structure: a comparison of Marx and Weber. American Sociological Review, 149-161.
Chan, R., & Hoy, M. (1991). East—West joint ventures and buyback contracts. Journal of International Economics, 30(3-4), 331-343.
Choi, C. J., & Maldoom, D. (1992). A simple model of buybacks. Economics Letters, 40(1), 77-82.
Durkheim, E. (1997). The Division of Labor in Society. NY: The Free Press.
Egan, M. (2018). Tax cut triggers $437 billion explosion of stock buybacks. Retrieved from https://money.cnn.com/2018/07/10/investing/stock-buybacks-record-tax-cuts/index.html
Goldsmith, J. M. (1994). The case against GATT. Multinational Monitor, 15(10), 20-24.
Lee, P. (2018). Share Buybacks and Redemptions: Legal Update - Companies Act 2014. Retrieved from https://www.lexology.com/library/detail.aspx?g=30c07ac8-c29c-4f99-b17d-7844d09888ea
Mill, J. S. (1859). On Liberty. London: John W. Parker and Son, West Strand.
Study Document
How Interest Rates Compare Over The Last Decade Within The United
… on the inherent risk of a consumer, credit card rates determine how much an individual must pay on a month basis to the financial institution. Corporations looking to borrow funds to expand their market share must consider the variable interest rates being changed and their ability to … debt. Even governments must be mindful of the extent of their borrowers and the corresponding impact of interest rates on their ability to services the debt. Due primarily to their importance in key elements of human civilization, interest rates are a closely watched tool by individual investors, … by individual investors, general consumers, and corporations. Banks in particular are heavily influenced by the change in interest rates as they operate as financial intermediaries between consumers and business. As a result, they often focus keenly on what interest rates may likely look like in the future … viability of the franchise (Stock,……
References
References
1. Goodhard, C and E Perotti, 2008 “Maturity mismatch stretching: Banking has taken a wrong turn”, CEPR Policy Insight 81, 6-July
2. Holston, Laubach, and Williams. 2017. “Measuring the Natural Rate of Interest: International Trends and Determinants,” Journal of International Economics 108, supplement 1 (May): S39–S75
3. Laubach and Williams. 2003. “Measuring the Natural Rate of Interest,” Review of Economics and Statistics 85, no.4 (November): 1063-70.
4. Rachel, L. and Smith, T.D., 2017. Are low real interest rates here to stay?. International Journal of Central Banking, 13(3), pp.1-42.
5. Schularick, M, and A M Taylor, (2009), “Credit Booms Gone Bust: Monetary Policy, Leverage Cycles and Financial Crises, 1870-2008”, NBER DP 15512
6. Stock, J.H. and Watson, M.W., 2007. Why has US inflation become harder to forecast?. Journal of Money, Credit and banking, 39, pp.3-33
Study Document
The Cost Effectiveness In Cloud Computing Within An Accounting Organization
…
1.6 Methodology 5
1.7 Good Title for Study 5
2 Literature Review 6
2.1 Cloud Computing Definition 6
2.2 Types of Cloud Computing services 6
2.2.1 Infrastructure as a Service (IaaS) 6
2.2.2 Platform as a Service (PaaS) 7
2.2.3 Software as a Service (SaaS) 7
2.3 … a Service (IaaS) 6
2.2.2 Platform as a Service (PaaS) 7
2.2.3 Software as a Service (SaaS) 7
2.3 Deployment of Organizational Cloud services 8
2.3.1 Public Cloud 8
2.3.2 Private Cloud 8
2.3.3 Hybrid Cloud 9
2.4 Effectiveness of Cloud Computing 9
2.4.1 Cost-Savings 9
2.4.2 … sizes in the accounting industry, in addition to other industries such as retail, information technology, insurance, and media industries, capitalize on public cloud services. The steadily advancing features of the cloud, including infinite and unrestricted storage and powerful analytic tools, system infrastructure software, various accounting applications in … are opting for the cloud.……
References
References
Bauer, E., & Adams, R. (2015). Reliability and availability of cloud computing. Hoboken: John Wiley & Sons.
Chang, W. Y., Abu-Amara, H., & Sanford, J. F. (2018). Transforming enterprise cloud services. New York: Springer Science & Business Media.
Chang, V. (Ed.). (2015). Delivery and adoption of cloud computing Services in Contemporary Organizations. IGI Global.
Hsien, W. F., Yang, C. C., & Hwang, M. S. (2016). A Survey of Public Auditing for Secure Data Storage in Cloud Computing. IJ Network Security, 18(1), 133-142.
Jamsa, K. (2016). Cloud computing. New York: Jones & Bartlett Publishers.
Maguire, M., & Delahunt, B. (2017). Doing a thematic analysis: A practical, step-by-step guide for learning and teaching scholars. AISHE-J: The All Ireland Journal of Teaching and Learning in Higher Education, 9(3).
Mehmood, R., Katib, S. S. I., & Chlamtac, I. (2020). Smart Infrastructure and Applications. New York: Springer International Publishing.
Prabhu, C. S. R. (2015). E-governance: concepts and case studies. New Delhi: PHI Learning Pvt. Ltd.
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