Financial Essays

A Financial Quagmire

The whole world is in a financial quagmire. A myriad of financial woes have engulfed financial institutions and any other corporations in this domain all the world round. This financial meltdown came to the light following the collapse of Lehmann Brothers, after which this financial crunch came to be addressed in the open and by all the governments. The United States of America was at the core of this crunch. This was further aggravated by the fact the Bush administration…

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The Creation of a Common Market for Financial Services in the European Union

Of all the global achievements in the last 50 years, economic integration in Europe may be considered as the most notable of all. From a continent separated by war and differences in culture, Europe has proceeded to become an economic and political leader today. The formation of the European Union (EU), the accession of the 15 European countries to the Community, and the introduction of a single currency which were all deemed too difficult have all become realities, proving skeptics…

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Financial Position

1. One of the apparent reasons for the failure to pay off the debts by the due debt is the continuous decline of the sales over the period of time due to overall sick performance of the industry. However, on the other hand, it is also imperative to understand that the firm has not been able to accurately forecast its cash flows as accurately as possible because there were not only frequent requests for revision of the funds required but…

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Comparitive Study of Mutual Funds

Investing in mutual funds provides a total solution for the investing needs. With a well-designed portfolio of mutual funds, the investor can have his own pool of professionally managed investments, even with a small initial investment. Mutual fund is a kind of trust that manages the pool of money collected from various investors and it is managed by a team of professional fund managers (usually called an Asset Management Company) for a small fee. An investment vehicle that is made…

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Western Financial Review

In 21st Century, women have learnt to be at par with men in various sectors of work. Viz. , pilots, engineers, scientists, CEOs and COOs in corporate sector. Banking sector is no exception for women to play a vital role in holding huge responsibilities. Gender difference is longer a taboo whereas a mixed and friendly environment began to sustain in corporate culture. All that matters here, how professionally a woman employee performs in working environment which is both rewarding and…

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Whole Foods Ratio

Kroger and Whole Foods are the two giants in the grocery industry; however, their capital structure and financial measures paint vastly different pictures. The liquidity ratios, which measure short term solvency of the company, were calculated for both companies. The current ratio for Kroger was calculated to be .76 compared to a current ratio for Whole Foods of 1.60. At a glance, Whole Foods is more able to pay their short term debt obligations compared to Kroger. In the same…

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Financial Development in 1985

In 1985, the interest rates were lower and more stable than in other years. 1978 experienced lowest short-term interest rates while long-term interest rate declined to a rate that has never been seen since 1980. The real interest rates- nominal rates adjusted for inflation- were also lower in 1985 than other years though going by historical standards, they remained very high. From January to early march, both short-term rates and long-term rates rose moderately by yearly highs. This is partly…

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Fair Value Accounting

This paper attempts to answer the questions: Is Fair Value Fair? In so answering the question there is a need to determine whether the use of fair value accurately portray the value underlying financial and economic transactions; to determine whether there is basis to have one universal standard of valuing the assets and obligations of all firms; to find out whether accounting standards would allow for both historical and fair value and still produce meaningful information for decision making; and…

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Financial Analysis

The analytical audit of the company’s capital structures of the two companies shows that shows Arizon is highly geared as compared to AT & T. Gearing AT& T is 43. 3% for long term debt and 51. 76% for total equity which is not very high. In case of Arizon, the ratio is very high at 59% for long-term debt to equity while total debt to equity is 74. 91%. The Verizon case indicates that the firm does not have…

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Comments on the Financial Performance of Rap Ltd

Efficient management strategy reflects in the gross profit sales which increased in the year 2008 with 23% as compared with the year 2009. In the year 2009, RAP Ltd. hasn’t focuses on reduces the cost of goods sold which gives a slightly negative reflection on the gross profit. Slight decrease in the year 2009 gross profit because of economic recession in the economy reflects on the gross profit of RAP Ltd. Moreover, RAP Ltd. high ratio of COGS in the…

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Financial Statement

Accounting mainly involves analyzing, interpretation and reporting of business transaction records. Accounting provides information for decision making to the management. The purpose of accounting is to maintain proper control of finances of an organization. In other words, accounting is an information system whose purpose is to provide essential information about business financial activities. It is primarily involves design of record keeping system, summarized reports based on the recorded data and eventually interpretation of the reports. (Duane and Charles 1991; Martin…

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Financial Crises

I have literally found a solution for all Americans struggling to mitigate their personal financial crises this day. They cannot just sit back expecting the government and business to work wonders. It is time for them to take personal responsibility for the economic downturn. Orwell (1945) was correct when he wrote that “All animals are created equal but some animals are more equal than others,” actually referring to human beings whom scientists refer to as animals. Throughout the history of…

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Financial Strain

I agree with the need of practicing consistency in the physician’s clinics. Evidence-based practice is a very useful tool and is something that is highly recommended to be integrated into the daily clinical practice like in the high quality care of diabetes. Diabetes at present ranks seventh as a primary reason of death in the first world countries and in the United States, for example, costs approximately more than $132 billion annually in healthcare and is still expected to rise…

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Earnings Before Interest and Taxes

IJM Land Berhad (187405-T) is the result following a rationalization exercise involving the merger of two highly reputable players in the Malaysian property scene, namely IJM Properties and RB Land and changed its name in June 2008. IJM Land Berhad brings the combined skills of RB Land’s distinct proficiency in township developm ts and IJM’s expertise in high-rise condominiums, niche developments and commercial buildings. Currently, it is the property development arm of IJM Corporation Berhad, one of the largest construction…

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Critical Analysis of Efficiency Market Hypothesis

In this essay, firstly, the Efficient Market Hypothesis (EMH) is given an appraisal in relation to random walk, as well as its definition, revealing theories in context of empirical evidence. A brief explanation of the 3 forms of EMH is highlighted alongside a brief description of its tests for validity. The main focus of discussion is whether or not Technical & Fundamental Analysis can determine abnormal returns by investors strategically using a set of information to formulate buying and selling…

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