Personal Finance Essays (Examples)
Study Document
Understanding The Factors Affecting The Success Of Credit Risk In
… full. Nonetheless, credit risk can also emanate from a financial establishment holding bonds and other financial securities. Imperatively, all banking institutions have their personal credit philosophy instituted in an official written loan policy that must be backed and conveyed with a suitable credit philosophy. A credit philosophy ……
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
Enterprise Risk Management In Wells Fargo During The Pandemic
...Personal finance Enterprise Risk Management in Wells Fargo during the Pandemic
Introduction
As Beasley (2020) points out, enterprise risk management (ERM) is especially needed during the COVID 19 pandemic because of the “number of different, but interrelated risks spread all across most organization” (p. 2). COVID 19 is not just a factor that has impacted one business or industry. It has impacted all businesses and all industries in different ways. Grocery chains like Kroger, for instance, have seen increased demand. Restaurants on the other hand have seen business dry up due to mandated quarantine orders. Small business owners and large corporations have filed for bankruptcy. All of this impacts the banking sector and Wells Fargo specifically because of its role in managing loan products, using interest rates to attract savers, and offering investment advice. “No single risk associated with the COVID-19 pandemic crisis can be managed in isolation,” as Beasley (2020) points……
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
Papa Johns Strategic Analysis
… in highly competitive, mature industries can easily fail, should they lose their way strategically. The company’s brand has taken a beating and its finance are a mess. Without clear and focused action, Papa John’s will be hard-pressed to thrive going forward. However, if the company has learned ……
References
References
Halzack, S. (2018) Papa John’s just went from bad to worse. BNN Bloomberg. Retrieved April 7, 2019 from https://www.bnnbloomberg.com/papa-john-s-just-went-from-bad-to-worse-1.1120265
IBIS World (2019) Pizza restaurants industry in the US. IBIS World. Retrieved April 7, 2019 from https://www.ibisworld.com/industry-trends/specialized-market-research-reports/consumer-goods-services/food-service-drinking-places/pizza-restaurants.html
Kenton, W. (2019) Porter’s 5 forces. Investopedia. Retrieved April 7, 2019 from https://www.investopedia.com/terms/p/porter.asp
McCormick, M. (2018) Key success factors in a pizza business. Houston Chronicle. Retrieved April 7, 2019 from https://smallbusiness.chron.com/key-success-factors-pizza-business-2788.html
Navellier, L. (2009) Papa John’s – how to beat the recession with pizza. NASDAQ. Retrieved April 7, 2019 from https://www.nasdaq.com/personal-finance/papa-johns-PZZA.stm
Papa John’s Form 10-K 2018. Retrieved April 7, 2019 from https://ir.papajohns.com/static-files/2977c391-0218-4bac-8eb2-dcabd4561cfe
Papa John’s website, various pages. (2019) Retrieved April 7, 2019 from https://www.papajohns.com/company/about-papa-johns.html
QSR (2018) The QSR Top 50. QSR Magazine. Retrieved April 7, 2019 from https://www.qsrmagazine.com/content/qsr50-2018-top-50-chart
Study Document
The Transformation Of The US Into Oceania
… privacy have become the greatest issue facing 21st century ethical leadership. Indeed, public and private sector organizations of all types routinely collect consumers’ personal information and use it in ways that are violative of the spirit if not the letter of the law, and the proliferation of … threat to ethical leadership, including recent and current trends in global leadership. In addition, a discussion concerning the various ways that threats to personal privacy manifest and what organizational and leadership theorists maintain should be done about them is followed by a summary of the research and … by a summary of the research and the key findings that emerged in the paper’s conclusion.
Review and Discussion
Overview of threats to personal privacy
Together with freedom of speech and religion, many consumers prize their personal privacy above all else. Although the concept lacks definitional clarity, the term “privacy” is generally used……
References
References
Black’s law dictionary. (1990). St. Paul, MN: West Publishing Company.
Cantor, M. D. (2006, Summer). No information about me without me: Technology, privacy, and home monitoring. Generations, 30(2), 49-55.
Ethical issues facing businesses. (2020). Florida Tech. Retrieved from https://www.floridatech online.com/blog/business/the-5-biggest-ethical-issues-facing-businesses/.
Haslag, C. (2018, Fall). Technology or privacy: Should you really have to choose only one? Missouri Law Review, 83(4), 1027-1033.
Karn, R. (2019). The biggest threat to data security? Humans, of course. The Privacy Advisor. Retrieved from https://iapp.org/news/a/the-biggest-threat-to-data-security-humans-of-course/ .
Sharma, P. (2017, June). Organizational culture as a predictor of job satisfaction: The role of age and gender. Journal of Contemporary Management Issues, 22(1), 35-40.
Taslitz, A. E. (2009, Spring). The Fourth Amendment in the twenty-first century: Technology, privacy, and human emotions. Law and Contemporary Problems, 65(2), 125-131.
Study Document
Taxation IRAs 401Ks And The IRS
...Personal finance Simple IRA and Qualified Plans
1. A simple IRA has both advantages and disadvantages when compared to a qualified plan like a 401K. Both are tax-deferred savings accounts, but where the differences lay could matter for a company like 3P. These two types of plan are mutually exclusive – an employer cannot have both at the same time (Appleby, 2019).
However, with a simple 401K the employer could have another plan for employees who aren’t covered by the 401K, which would typically be employees who earn less than $5000 per year. This may not apply to very many people, but could theoretically be one of the differences between the two types of retirement plan. Employees under 21 or who have worked for less than a year may or may not be covered, but there is no age requirement for a simple IRA. If the company has a lot of younger……
References
References
Appleby, D. (2019) Simple IRA vs Simple 401K: What’s the difference? Investopedia. Retrieved April 2, 2020 from https://www.investopedia.com/articles/retirement/04/060904.asp
IRS.gov (2020) Retirement topics – IRA contribution limits. Internal Revenue Service. Retrieved April 2, 2020 from https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits
IRS.gov (2020) Contribution and deduction limits. Internal Revenue Service. Retrieved April 2, 2020 from https://www.irs.gov/retirement-plans/plan-participant-employee/2020-ira-contribution-and-deduction-limits-effect-of-modified-agi-on-deductible-contributions-if-you-are-covered-by-a-retirement-plan-at-work
Study Document
Banking Industry Crimes
… 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 … the movement of funds from on account to another. A bank insider could, for instance, make transfers from the general ledger accounts into personal accounts for an extended period of time. Reconciliations and general ledger entries can then be handed accordingly due to an employee’s unfettered access. ……
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
Introduction
The growth of big data has had significant transformative effects on several industries including technology, agriculture, health, education, and finance. Over the past decade, the number of humans using smartphones has increased tremendously and this has created a big pool of user data … volumes of data (Chen, Chiang & Storey, 2012).
Big Data Opportunities
Traditional data management tools and models have posed several challenges to the finance industry in the past in terms of security and inefficiencies. One of the major security issues is fraudulent activity by insiders and outsiders. … are increasingly spending their time on data analytics and analysis and the functions of their departments are constantly expanding and shifting. The average finance professional has to expand their skills to include data analysis and analytics to meet the demands of the new financial department. Therefore, CFOs … skills to include data analysis and analytics to meet……
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
Higher Education Institutional Crisis And Solutions
… the goals are properly elucidated and achieved. Secondly, what I have learned about my leadership will be significantly assimilated into my professional and personal pursuits. Specifically, I have determined that I am a transformational leader. In this regard, my emphasis takes into account working in tandem with ……
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/
Study Document
Customer Persona For Filshie Clip System
… for this stylish and effective method of contraception. We have established that customers in the target market are differentiated based on demographic factors, personal histories and expectations. These women are interested in a reversible contraception method that is safe and effective since it enables them to make … persona to improve understanding of the behaviors, needs, and demands of customers. Customer persona for this target market incorporates several factors including demographic, personal histories and expectations. Insights from the customer persona should be utilized to shape marketing tactics with respect to all elements (7Ps) of the ……
References
References
Antoun, L., Smith, P., Gupta, J. K., & Clark, T. J 2017. The feasibility, safety, and effectiveness of hysteroscopic sterilization compared with laparoscopic sterilization. American journal of obstetrics and gynecology, vol. 217, no. 5, pp.e571-570. e576.
Beerthuizen, R 2010. State-of-the-art of non-hormonal methods of contraception: V. Female sterilisation. The European Journal of Contraception & Reproductive Health Care, vol. 15, no. 2, pp.124-135.
De Toni, D., Milan, G.S., Saciloto, E.B., & Larentis, F 2017. Pricing strategies and levels and their impact on corporate profitability. Revista de Administracao, vol. 52, no. 2, pp.120-133.
Duran, A 2018. Sink or swim: how to create buyer personas to ensure marketing success. Forbes. Viewed 20 August 2019,
Griffin, A, Noble, CH, Durmusoglu, SS, Luchs, MI, & Swan, S 2015. ‘Chapter 3 Personas: powerful tools for designers’, in Design Thinking : New Product Development Essentials from the PDMA, John Wiley & Sons, Incorporated, Hoboken.
Johnson, S., Pion, C. & Jennings, V 2013. Current methods and attitudes of women towards contraception in Europe and America. Reproductive Health, vol. 10, no. 7, pp.1-9.
Kotler, P., & Keller, K. L. (2015). Marketing Management, Global Edition. Pearson Education Limited: Boston, MA.
Magrath, A.J 1986. When Marketing Services, 4Ps are not enough. Business Horizons, pp.4450.
Study Document
Political Frame In The Walt Disney Company
… political factors thitherto his removal. One of these forces is corporate social and political bureaucracy. This factor emanated from his desire to accumulate personal power rather than that of the Disney as a company. After Ovitz left in 1996, Eisner was left as the sole leader of … left as the sole leader of the company, and the Board confirmed his status with a ten-year contract. Because of his desire for personal power, Eisner did not delegate duties. To further this endeavor, he adopted a top-down decision making model where the company fade criticism as … up of individuals who were loyal to him, and the top leadership positions in the company were held by persons who has a personal relationship with him.
The second political factor that precipitated the downfall of Eisner was the view that he was incapable of making the … concern from the senate committee,……
References
References
Bolman, L. G., & Deal, T. E. (2017). Reframing organizations: Artistry, choice, and leadership. John Wiley & Sons.
Bright, R., & Eisner, M. (1987). Disneyland: Inside Story. Harry N. Abrams, Incorporated, Publishers.
Downes, M., Russ, G. S., & Ryan, P. A. (2007). Michael Eisner and His Reign at Disney. Journal of the International Academy for Case Studies, 13(3), 71-81.
Forbes, W., & Watson, R. (2010, July). Destructive Corporate Leadership and Board Loyalty Bias: A case study of Michael Eisner’s long tenure at Disney Corporation. In Working Paper presented at the Behavioural Finance Working Group Conference, Cass Business School.
Sasnett, B., & Ross, T. (2007). Leadership frames and perceptions of effectiveness among health information management program directors. Perspectives in health information management/AHIMA, American Health Information Management Association, 4.
van Weezel, A. (2006). A Behavioural Approach to Leadership: The case of Michael Eisner and Disney. In Leadership in the Media Industry: Changing Contexts, Emerging Challenges (pp. 169–178). Jönköping: Media Management and Transformation Centre, Jönköping International Business School.
Improve your studying and writing skills
We have over 150,000+ study documents to help you.
Sign Up for FREE
