Abstract
This paper discusses a real estate industry business plan that extends Coldwell Banker's traditional real estate office onto a web-based platform. The paper describes the company and shows how it can duplicate its business structure and, essentially, double its volume without the equivalent increase in resources required. The paper also discusses the company's goals and current market trends. It then looks at how the company should implement its goals and its business strategy.

Table of Contents:
Abstract
Objectives
Mission
Company Summary
Company Goals
Company Ownership
Startup
Services
Competitive Comparison
Market Analysis and Overview
Market Segmentation
Market Trends
Strategy and Implementation
Marketing Strategy
Pricing Strategy
Promotion Strategy
Distribution Strategy
Product/Service Presentation
Management Summary
Financial Plan
Important Assumptions
Key Financial Indicators
Break-even Analysis

From the Paper
"The Company's initial marketing investment will be $5,000 for its promotional initiatives. Additionally, Coldwell has allocated an additional $1,440 for insurance during its initial year of operation for the new internet business while legal consultation and corporation set-up is expected to be $1,000. For taxation and accounting purposes, Coldwell expects to adhere to an Accelerated Cost Recovery Method in order to benefit from its equipment depreciation while still maintaining effective use of the equipment over the long-term. Coldwell RealTime expects to acquire a small business loan through a banking institution for $24,000 at a 10% interest rate and the company expects to pay $750 monthly on the loan until it is paid in full over the first three years of operations. There is an additional short-term loan to cover operating costs and that loan cost is 8%."

Tags:market, segmentation, product, Internet, realtor

Abstract
This paper argues that blaming bankers for the current global recession is to miss broader and far more significant factors that led to this crisis. In response to this accusation, the paper notes how governments also contributed to the economic downturn. The Sarbanes-Oxley Act is describes at length as helping to support government regulation and protection against illegal corporate practices, such as those committed by Enron, Tyco and many others. Additionally, the paper addresses how the global financial system is increasingly capable of being manipulated not by bankers, but by entire governments to alleviate any costly fluctuations in their currency, as seen with China and the US. Finally the paper considers credit-default swaps as an example of ethical lapses that can quickly translate into billions of dollars of losses as a result. The paper concludes by stating that compliance legislation needs to enforce laws through audits and not just through laws if the banking community globally is to become more ethical over time

From the Paper
"These two factors of a global financial system increasingly capable of being manipulated not by bankers, but by entire governments to alleviate any costly fluctuations in their currency, as China and the US both did extensively during this time, and the deflation of interest rates drove down the cost of capital to levels never seen before. As a result, with many of the world's western nations flush with cash and interest rates at exceptionally low levels as a result, housing re-financing became the new Automated Teller Machines (ATM) for millions of homeowners globally. In addition, low interest rates made it possible for sub-prime lenders to create highly profitable business models that extended homeowner's mortgages with interest rate escalations that would initially have very low interest rate-based payments a typical working class family could afford, only to settle at three or four times the original amount in the majority of cases (Gerrish, 2002). This forced nearly all of these middle class families with sub-prime mortgages to default and eventually see their homes foreclosed upon."

Tags:Sarbanes-Oxley Act, SEC, Gross Domestic Product, credit-default swap trades

Abstract
This paper is a case brief of the "Libyan Arab Foreign Bank v. Bankers Trust Company" case of 1988. There is further discussion of current events of international corporations doing business in the U.S. and their submission to U.S. law. The example of the oil industry and several recent consolidations is used. The paper has a final paragraph discussing the role of e-commerce and the legal precedents of the Libyan Bank case.

From the Paper
"This paper is a case brief of the Libyan Arab Foreign Bank v. Bankers Trust Company case of 1988. There is further discussion of current events of international corporations doing business in the U.S. and their submission to U.S. Law. The example of the oil industry and several recent consolidations is used. The paper has a final paragraph discussing the role of ecommerce and the legal precedents of the Libyan Bank case. Libyan Arab Foreign Bank v. Bankers Trust Company 1. Case Name - Libyan Arab Foreign Bank v. Bankers Trust Company (1989) Q.B. 728 (Ray, 2006, pp 349-350)."

Tags:foriegn investment, colnflict of laws, case brief

Abstract
In this article, the writer discusses a real estate industry business plan that extends the traditional real estate office onto a web-based platform. The writer discusses that by creating what is essentially an alternate business model based on the web, Coldwell Banker RealTime Realty can duplicate its business structure and, essentially, double its volume without the equivalent increase in resources required.

Tags:coldwell, banker, realty

Abstract
This paper includes two interviews written up as though by a news reporter. The interviews are of a construction worker and an unemployed investment banker who comment on the economy and why they do not like President Obama's bailout package.

From the Paper
"John Ivins is a ...-year-old construction worker. The economic crisis has taken a heavy toll on his finances in the past few months. Construction is seasonal work anyway, he explains, so I'm used to not working in the winter, but I've always had lots of work in spring, summer and fall until now. Ivins notes that his income is approximately ... lower than usual for this time of year. He does receive unemployment and his wife has a low-paying job as a waitress but..."

Tags:economic crisis, economy, interviews, news reporter, reporting, President Obama

Abstract
In this paper, the writer discusses that the book, 'Banker to the Poor: Micro-lending and the Battle Against World Poverty' by Muhammad Yunus shows the world a way in which one man can effect change on a global scale. The writer first reviews and summarizes the book in its entirety on its merits, and then, subsequently, reviews the major themes discussed. Ultimately, the writer reviews the further implications of the work in a wider context. The writer maintains that one can only succeed in achieving a poverty-free world if all members of society agree to compromises and to the hard work of bringing people together despite differences. The writer concludes that it is important to consider that Yunus was an influential and powerful man, but was also just a man who effected great and positive change.

From the Paper
"While Yunus fought for Grameen to be solely owned by the people, the only way that the Finance Ministry would accept its existence was as a governmental bank. Indeed, this presented a problem for Yunus. The culture of the Grameen was that it was a grassroots system of finance; a system which was owned by the people, and required both their responsibility and enthusiasm for the problem. While Yunus struggled early, he ultimately was able to change the ownership structure so that at least 75% of the bank was owned by the people, with only 25% in government hands. This was to be one of many concessions and compromises that Yunus would have to make in order to remain successful in his micro-finance scheme.
"While Grameen encountered numerous trials and obstacles before becoming officially successful, simply the notion that it was a success indicates that the strategy could be applied elsewhere. "

Tags:Bangladesh, redevelopment, famine, payments

Abstract
The paper offers a summary of the "Libyan Arab Foreign Bank v. Bankers Trust Company" case of 1988. The paper then looks at current events of international corporations doing business in the U.S. and their submission to U.S. law. The paper also discusses the role of e-commerce and the legal precedents of the Libyan Bank case.

From the Paper
"The oil industry is continuing to become largely an international venture, with consolidations of domestic United States operations creating attractive assets for foreign purchase. The recent attempt by the Chinese national oil company to purchase UNOCAL corporation and the Dubai World ports purchase of the company the operated many U.S. ports brought to light a half century old congressional act protecting vital domestic infrastructure. The Defense Production Act of 1950 empowered the President to block the purchase of U.S. companies by foreign corporations if national security is threatened (James & Wall, 2007, n.p.)."

Tags:sanctions, terrorism, foreign, investment

Abstract
This paper describes a fictitious organizational problem in a workplace where a personal banker is thought to be forging customer signatures on loan paperwork. The paper's author takes on the role of bank manager in order to confront this employee with regards to the actions he/she has been accused of. The problem is considered by applying critical thinking to it. This begins with a description of the setting, proceeds to a framing of the problem, and a consideration of the types of thinking used. Finally, other forces of influence are considered. This consideration allows the problem to be understood in more detail and to be dealt with effectively.

From the Paper
"The second way the problem can be framed is by assuming that the accusations about the banker forging signatures are true and by assuming that these actions are related to power and control issues. This framing of the problem recognizes that the banker's actions are controlled to a significant degree. From the bank's point of view, this control is required and is based on regulations. However, this valid reason for maintaining relatively strict control does not mean that it is accepted by all employees. From this viewpoint, it can be seen that it is possible that the employee feels resentment toward the bank. The problem for the banker is enhanced because the bank has all the power in the relationship."

Tags:control, gender, discrimination

Abstract
The writer begins the paper with the initial partnership of broker Charles Barney and investment banker Edward Smith. The paper then follows the partners as they became Citigroup and eventually merged with Salomon Brothers. The paper highlights the unique qualities of this firm.

From the Paper
"Smith Barney then became a subsidiary of Travelers Group when Primerica acquired that company. As a result of the continuing shakeout and realignment of the financial services industry, the trading firm, Salomon Brothers, sold itself to Citigroup. Travelers Insurance Company which had merged with Citicorp the parent holding company of Citibank (Hoovers, Online). Citigroup combined Salomon Brothers with its own Smith Barney brokerage to form Salomon Smith Barney Holdings. The merger combined Salomon Brothers' global bond-trading strength with Smith Barney's US brokerage strength."

Tags:investment, banking, merger, growth, partnership

Abstract
This sixteen-page undergraduate paper is in the form of a report on three career options: Financial Planner, Investment Banker, and Credit Analyst. The report provides the knowledge to make an educated decision on which career option to start out in, and discusses the skills needed to be successful, including the work environment of each career option, the amount of advancement possibilities, salary and how it changes with experience, and the future growth or lack of growth in the career option.