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Credit Cards, 2007.
This paper looks at the lingering effects of the easy availability of credit cards.
1,057 words (approx. 4.2 pages), 5 sources, MLA, $ 37.95
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Abstract
In the first part of this paper, the writer discusses the rise in credit card use and looks at the reasons behind this increase. The writer then examines how the availability of easy credit caused a fundamental shift in American tastes. The writer also evaluates how these trends could affect a consumer's purchasing power, the credit industry, and even the national economy. The writer concludes that a combination of consumerism, economic need and the easy availability of credit have contributed to the revolving debt figures in the US. Further, the writer argues that as more people become knowledgeable about credit and are turning to debit cards and cash, creditors will have to devise new ways to encourage credit spending.
Outline:
Credit History
Credit Aftermath
Economic Effects
Works Cited
From the Paper
"Previous research has suggested that only a small amount of credit-card holding households were responsible for the vast majority of credit card debt. Others have shown that as credit cards became more common forms of payment, average balances increased across the board. The fact that credit cards became more readily available in the early 1990s partly accounts for this phenomenon, and tends to support the latter conclusions. It is far more likely that all people are using credit cards more, rather than merely a fraction of American households."
"Bernthal et al attributes this increase in revolving debt to intense competition among lenders. There was therefore a strong incentive for lenders to extend loans to riskier households. In the 1980s, credit cards were seen as a status symbol, only acquired by those who had disposable income. By 1995, however, the average credit card holder had lower income and was more likely to be single. The average credit card holder was also more likely to rent rather than own their home, worked in a blue collar profession and often carried higher credit card balances."
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The Sarbanes-Oxley Act, 2007.
This paper analyzes the current issues and trends pertaining to the Sarbanes-Oxley Act.
1,118 words (approx. 4.5 pages), 6 sources, MLA, $ 38.95
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Abstract
The paper explains that the Sarbanes-Oxley Act has been successful in enabling higher levels of accountability throughout publicly-held companies. The paper relates that this is mainly a result of re-defining core processes as they relate to financial reporting and the disclosure of events that impact a company's financial performance. The paper also points out the interpretative nature of the compliance legislation and the confusion that exists over just what constitutes a compliant strategy. The paper concludes that compliance is a corporate-wide strategy.
Outline:
Executive Summary
Fundamentals of Sarbanes-Oxley
Analyzing How Sarbanes-Oxley is Redefining Processes and IT Spending
Sarbanes-Oxley Audits Are the Big News for 2006
Bottom Line
From the Paper
"Inherent in Sarbanes-Oxley compliance efforts is the synchronizing of the many databases and data marts that contain financial data. The growth of Enterprise Content Management (ECM) has been in direct response to the need for greater coordination of financial data and the re-defining of processes to make Sarbanes-Oxley compliance easier accomplished including successful completion of audits by Sarbanes-Oxley auditors. Columbus and Murphy (2002) defined through their series of research initiatives on the adoption of enterprise content management (ECM) as a unifying strategy across all content stores had a 5% penetration rate into many organizations."
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Accounting Ethics, 2007.
This paper looks at the merits of the Accounting Code of Conduct.
1,262 words (approx. 5.0 pages), 3 sources, MLA, $ 42.95
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Abstract
The paper explains that the Accountant Code of Professional Conduct is an instrument that provides guidance to accountants and protection to the clients. The paper discusses how the majority of accountants take pride in doing an honest and competent job for those who hire them. For the few who are either dishonest or incompetent, the code provides relief for clients by way of criminal punishment or fines. The paper shows how it is a code that stands as strong and tall as the Hypocratic Oath for physicians and one that is held to an equally strict standard so that the field of accounting will remain above reproach.
Outline:
Introduction
History
When An Accountant Fails
Conclusion
From the Paper
"At first glance the average laymen would be hard pressed to explain why accountants need a code of conduct in the profession. People are aware of the doctor and attorney professional vows or promises to follow certain ethical rules because of the severe damage they can do if they become unethical. Once one begins to explore the accounting profession, however, one will quickly discover that accountants have the ability to do great harm as well(Demski, 2000). Accountants have the financial survival, future, and life of their clients in their hands. If an accountant decides to become unethical he or she could easily destroy an individual, a family, a corporation or a government entity."
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Accounting Rule, FASB 142, 2006.
A review of the accounting rule, FASB 142.
1,074 words (approx. 4.3 pages), 5 sources, MLA, $ 37.95
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Abstract
This paper takes a look at FASB 142 and the impact it has had on companies. According to the paper, companies are now required to test goodwill yearly for impairment along with other specific guidance (provided by FASB) on the testing process for impairment. The paper goes on to discusses the overall benefits of the implementation of FASB 142.
From the Paper
"When investors see companies such as JDS Uniphase declare a $51 billion dollar loss, its perception of such losses can lead to a state of no-confidence in the financial markets overall. Many savvy investors knew enough to not use goodwill as any part of the analysis when considering whether to invest in certain companies (or not), but there are plenty of investors that are not savvy. These individuals may see the resulting changes in net income for companies such as AOL as signals to buy, instead of what the signs really are, which are signals to sell. Many analysts believe the same way and have been attempting for years to get the FASB to set higher standards, while demeaning companies attempts at obscuring the true costs of their acquisitions."
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Implementing a Budgeting Process, 2006.
A discussion regarding the implementation of a budgeting process.
1,342 words (approx. 5.4 pages), 4 sources, MLA, $ 45.95
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Abstract
This paper takes a look at the budgeting process. According to the paper, this budgeting process is more than an exercise in estimating numbers for its own sake. The paper discusses how budgeting is about strategic planning, which involves identifying business goals and objectives, and mapping out in tangible terms how those goals will be accomplished over time.
Outline:
Use of Budget Manuals
What are The Characteristics of a Good System?
Cash Flows
Variance Analysis
Evaluating Risk
Conclusion
From the Paper
"Understanding the amount of cash that comes in and goes out of your company is one of the most critical steps in the budget planning process, because it provides an immediate view of how money is spent and if receipts are timely enough to cover expenses. For instance, Is the company taking advantage of vendor discounts by paying invoices earlier, or are too many customers paying on credit causing the firm to hold off on paying some of its own vendors, thereby losing discounts that can add up over time. Are visits to customers scheduled so that sales staff are available to customers at all times in the showroom? Are the full time carpenters sufficient to handle timely output? Would one additional full time person be more financially beneficial than using four on-call contractors? "
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Virtualized Data Storage & IFC, 2006.
A look at an information system solution for the Irwin Financial Corporation (IFC).
2,012 words (approx. 8.0 pages), 7 sources, MLA, $ 63.95
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Abstract
This paper takes an in-depth look at issues relating to information systems and virtual data storage at the Irwin Financial Corporation (IFC). The paper reports that any technology initiative aimed at budget analysis, reducing expenses and improving the efficiency ratio, with a projected return on investment (ROI) aggressive enough to pay for itself in six months to a year, would be welcomed by the CEO and bank management as a whole.
Outline:
Company Information
Operating Challenges
Technical Environment
Management
Recommendation: Data Management, Business Intelligence and Integration
Areas For Future Improvement
Cost Savings
Functionality
Compliance
From the Paper
"HDS' advantage may also come down to successfully convincing IT management that the HDS array system is better than IBM's storage virtualization controller (SVC). HDS has been ahead of EMC in virtualization, and EMC considers the first version of Invista a high-end product. However, IBM has had early success in mid-range land, claiming 1,000 customers for SVC. Virtualization gives HDS a mid-tier product that EMC won't have until the middle of next year at this price range. HDS' virtualization performance should be similar to (if not better than) IBM's. Overall, however, IBM's edge is in implementation with IFC, whereas HDS' edge may be in price and functionality. Again, using Pacific Capital Bancorp in California as a case study, citing its recent award as the winner of Storage Networking World's Best Practices in Storage Systems Implementation, could be used by IS management."
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Bank Teller, 2007.
This paper provides an analysis of the banking industry and profession.
1,800 words (approx. 7.2 pages), 10 sources, MLA, $ 57.95
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Abstract
In this article, the writer offers a review of the banking industry in general, to determine what trends and other factors currently influence the banking industry. In addition, the researcher identifies what challenges face the industry, particularly with respect to the field or career of bank teller, and identifies what obstacles an incumbent desiring a career in this profession will need to overcome to realize future success in the banking industry. Furthermore, the researcher explores what trends currently dominate the banking industry and what challenges the banking industry in general faces. The writer also discusses the job outlook for individuals desiring a professional career in the banking industry and looks at obstacles that tellers and other banking professionals need to overcome in order to succeed in this industry.
Outline:
Statement of Problem
Statement of Purpose
Literature Review
Overview of Banking Industry
Challenges Facing Industry/Profession of Bank Teller
Summary of Banking Profession/Discussion
From the Paper
"There is little doubt that diversification is essential to the success and well being of the banking industry in the years to come. Banks, as have many other industries, have realized the need to offer more services as technological advances have stimulated the growth of small to mid size firms and increased competition among all markets and industries. Diversifying services not only helps expand the ability of banks to meet the needs of customers but also affords customers more service opportunities. Expansion creates more jobs as well and enables customers to manage all their financial assets in one key location. More and more this trend is likely to continue as technological advances allow customers to handle their financial affairs, whether related to loan processing, banking or distribution of retirement income online."
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Supa Toys Company, 2006.
This paper is a case study of the Supa Toys company with a special focus on various strategic and financial aspects of the firm.
2,945 words (approx. 11.8 pages), 2 sources, APA, $ 87.95
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Abstract
This paper explains that Supa Toys has identified objectives to develop and expand the contracting of operational activities, alliances, joint ventures, outsourcing and sourcing opportunities. The author points out that one of the key strategic plans, upon which Supa focused, is its operational activities, which coordinates and prioritizes the major elements of the actual daily activities of the company's physical plant. The paper stresses that any business of any size needs to have an effective accounting system, which is especially vital to Supa Toys because of the firm's intense effort to grow, improve and lead its industry. The paper includes charts.
Table of Contents:
Introduction
Opportunities, Trends and Objectives
Strategic Opportunities
The Importance of an Accounting System
Financial Trends
Trends in Light of Organizational Strategic Objectives
Measures of Efficiency and Profitability
Net Operating Profit per Person
Percentage of Net Operating Profit to Owner's Investment or Equity
Percentage of Operating Profit to Total Assets
Stock
Sales
Gross Profit
Debtors
Measure of Financial Stability
Short Term Financial Stability
Long Term Financial Stability
General Observations about the Financial Reports for Supa Toys
Pricing Remains Stable
Financial Management Training
Planning Objectives
Process Time-frames
Resource Allocation
Timing of Supa's Financial Planning Objectives
Closing Thoughts
From the Paper
"Over the past several years the product pricing for Supa Toys has remained the same, and has not increased in spite of the revenue increases that are being sought as part of the overall strategic plan. The unchanged price also can represent a significant source of additional revenue. While some people view price increases as a last ditch effort when their business cannot be grown or customer base is even dwindling, for a successful company like Supa, the prospect of increasing pricing, of course in a discreet and professional way while the firm is doing well can provide a way to increase revenues without actually having to sell more individual units or to undertake business with disreputable customers who will cause more harm to the organization than good."
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Consolidation of Variable Interest Entities (VIE), 2006.
This paper reviews an article by Thomas Ratcliffe 'To Consolidate or Not' in the "Journal of Accountancy" issue of December, 2005.
975 words (approx. 3.9 pages), 1 source, MLA, $ 34.95
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Abstract
This paper explains that, given the Sarbanes-Oxley Act of 2002, in January, 2003, the FASB issued Interpretation Brief No. 46, Consolidation of Variable Interest Entities, which provides guidance to CPAs and financial professionals in the consolidation of variable interest entities (VIE). The author points out that the article's main points define how to choose if a VIE should be consolidated into a given firm's financial statements, provide the definition of primary beneficiaries of a VIE as well as provide guidance on how to account for a joint venture's creation of a VIE as in the case of Dell Financial Services and CTI Group. The paper states that the complexities of consolidating VIEs will increase significantly over time as joint ventures, mergers and acquisitions become the fuel of industry consolidations in manufacturing specifically.
Table of Contents:
Article Summary
Conclusion
From the Paper
"The author states the example of Dell Financial Services (DFS) and CIT Group (CIT), and the assignment of VIE consolidation to the former due to their role in the joint venture of assuming liability for losses. CIT acts as the financial intermediary that enables transactions between DFS and customers acquiring Dell products and services. Dell owns a 70% stake in CIT and had invested as of January 31, 2003 a total of $35M in its operations. The joint venture is structured such that losses generated by DFS are fully allocated to CIT, while network incomes are allocated 70% to Dell and 30% to CIT."
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Financial Accounting Standards Board, 2007.
A discussion of the Financial Accounting Standards Board (FASB) 128 and examples of its application.
1,571 words (approx. 6.3 pages), 4 sources, APA, $ 51.95
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Abstract
This paper discusses the purpose of the Financial Accounting Standards Board (FASB), which is to constantly monitor the condition of the financial accounting standards for their relevance to current market developments in order to foresee any probable problem areas and deliver secure functioning of companies, big and small investors and government as a whole. Specifically, the paper provides an explanation of FASB 128 and gives examples of its application.
Table of Contents:
Introduction
Explanation of FASB 128 and Examples of Application
From the Paper
"Thus, the financial accounting standard 128 requires the company to clearly state all the facts they include in the arriving at the earnings per share and diluted earnings per share ratio which is further on must be reported in the company income statement and thus reveal relevant information to the investors probable and those already holding the company stock. In order to avoid any misunderstanding on the actual company financial information as the number of financial derivatives has increased greatly during the recent past, the standard requires the derivatives such as options, warrants, contingently issuable shares or employee performance measures which can be convertible into common stock, to be accounted for as common stock at the most profitable price for the investors, or the market value for the conversion."
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Internal Marketing, 2007.
An evaluation of the internal marketing approach to building a continuous improvement program.
1,315 words (approx. 5.3 pages), 4 sources, MLA, $ 44.95
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Abstract
The paper describes internal marketing that is a new approach to marketing. The paper looks at the strategic and operational plans at UQ and explains that UQ has implemented a quality management program as a means of facilitating comprehensive internal marketing. The paper discusses how a continuous improvement approach at UQ can be developed if the organization analyzes operational and strategic plans to help identify gaps in service and, hence, identify improvement opportunities. The paper examines research activities for continuous improvement that are prior to establishing the internal marketing plan. The paper notes that the organization must identify its mission and goals.
Outline:
Part I - Theoretical Aspects of Internal Marketing
Continuous Marketing Approach
Research Activities For Continuous Improvement
Part II- Preparation of Internal Marketing Plan For Continuous Improvement Program
Evaluation of Plan In Terms of Success of Continuous Improvement
From the Paper
"The operational and strategic plans developed at UQ must be aligned with organisational goals and objectives, the organisations mission and the organisations values program. The implementation of a quality management program will involve developing and nurturing a culture that supports continuous improvement. As Pervaiz & Rafiq (2002) note it is vital to view quality as part of the value of a system promoting accountability throughout the organisation. UQ has implemented a quality management approach by viewing quality as a "core value" that all members of the organisation are involved in through quality initiatives."
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Family Limited Partnerships, 2007.
This paper offers an analysis of the pitfalls and merits of assets being transferred to a family limited partnership.
3,774 words (approx. 15.1 pages), 19 sources, MLA, $ 103.95
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Abstract
The paper provides a review of the relevant literature to determine when and for whom a family limited partnership is appropriate. The paper presents an analysis of the pertinent laws, including an examination of the Internal Revenue Code, regulations, case law and other rulings and matters that are relevant to a family limited partnership in general. The paper discusses tax planning in particular to provide a comprehensive survey of the tax-ability of this business form. The paper was consistent in emphasizing the need for timely and professional financial advice from experts in tax law who are aware of any recent changes and what the implications are of one approach over another.
Outline:
Introduction
Review and Analysis
Conclusion
From the Paper
"According to Fiore (1994), taxpayers in general and affluent taxpayers in particular are always on the lookout for new ways to reduce their taxes, especially in the area of estate planning. For this purpose, taxpayers have a wide range of choices available, each with its own advantages and disadvantages depending on a taxpayer's unique circumstances. For instance, "Should a taxpayer incorporate a complex strategy such as a grantor-retained annuity trust," Harmelick and Vandenburgh (2001) ask, "a dynasty trust or a family limited partnership in his estate plan?" (p. 95)."
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Financial Statements, 2006.
A discussion regarding asset valuation and accounting methodology.
994 words (approx. 4.0 pages), 3 sources, APA, $ 35.95
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Abstract
This paper reviews the current day issues surrounding asset valuation and accounting methodology. The paper discusses the various problems with accounting principles and the international financial reporting standards recently developed as a result of the constantly changing nature of the capital markets and major players and the inclusion of many other countries in the capital markets play arena.
From the Paper
"This approach has become rather popular to trace "real business" progress, when numerous debt instruments and business approaches have changed. The fault of this approach is the risks which arise with cash receivable as the company shows to the investors and top management business progress as opposed to income received. The longer the company does not receive the money for having sold the product, the less is its' actual present value, while this is not considered. To minimize the affect of this, the companies are now restricted to a limited extent to the amount of transaction they can account for on accruals basis. Another way to minimize the misleading of the investors on the actual and true financial situation within the company, is introduction of several liquidity ratios and "bad debt" ratios which reflect the fact how company is able to achieve revenues, but also how fast and well the company is able to collect the money payable to the company and thus not lose any time value money worth. "
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Healthcare Insurance, 2007.
A discussion on the modifications needed for successful healthcare provision.
1,368 words (approx. 5.5 pages), 20 sources, MLA, $ 45.95
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Abstract
This paper researches the provision of healthcare services by the not-for-profit organization. It also offers a thorough review of related literature. The paper claims that in today's world it is clear that structural changes must take place if the not-for-profit organization is to have any effect on successful healthcare provision to those who are under- and uninsured.
Table of Contents:
Introduction
Threat of Risk Due to Under and Uninsured Growth Rates
SWOT - Strengths, Weaknesses, Opportunities, Threats
Five Key Initiatives for Building Organizational Strength
The 'Macmillan Matrix' States Factor in the Structural Changes that Must Occur in the Not-for-Profit Organization
Summary and Conclusion
Bibliography
From the Paper
"The strengths that exist were identified in the work: CFAR Briefing Papers (1996) specifically those of uncomplicated integration in financial management, management of human resources, culture, strategic planning, and resource allocation. The primary weakness of the organization is in their lack of ability of meeting the demands for healthcare provision of an ever-growing under- and uninsured group of individuals. Other weaknesses are in the areas identified in the CFAR Briefing Papers (1996) as being the hardest for the organization to integrate which are the areas of: Physician, support services, information systems, clinical integration, marketing, and quality assurance."
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Accounting Information System, 2007.
A report on security, privacy and other issues in the accounting information system.
3,432 words (approx. 13.7 pages), 9 sources, MLA, $ 97.95
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Abstract
This paper lays out the foundation for the accounting information system (AIS) initiatives. It takes into account the present and ongoing developments in technology and its effective and innovative use in business. The paper starts with building and reinforcing the basic security infrastructure and foundational areas to ensure the achievement of long-term objectives and proceeds to improvement and development of the core information system - the AIS.
Table of Contents:
Executive Summary
Information Security
Business Continuity Planning (Bcp)/Disaster Recovery Planning
Impacts Of Privacy Considerations On The Accounting Information System
Health Insurance Portability And Accountability Act
Why the HIPAA in AIS?
Sarbanes-Oxley Act Of 2002
Due Diligence and Corporate Governance
The Ais And New And Emerging Technologies And Processes
Coverage Of The Ais
E-Business Technologies
Business-to-Business (B2B) and Business-to-Consumer
Advantages of B2B and B2C
Disadvantages of B2B and B2C
Batch And Real Time Transaction Processing 4.4. Electronic Data Interchange
The Essential Elements of EDI are
Extensible Business Reporting Language
Usage and Benefits
From the Paper
"Today's commerce and industry increased its global competitiveness through the implementation of information technologies. The availability of various supplies over demands helped leverage customer expectations, and businesses reacted to this modern trend by reengineering their processes and methodologies while reorganizing their corporate organizational structure to meet the growing needs of modern business. Whereas a person used to go to the mall to buy something, nowadays at a touch of a button, anything - or everything can be had via the Internet; thus Internet e-commerce or e-business was born."
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