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Financial Aid for International Students, 2007.
This paper explores the financial aid and funding for international students at private vs. public colleges in the United States
3,131 words (approx. 12.5 pages), 6 sources, MLA, $ 91.95
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Abstract
The paper explores the financial aid and funding similarities and differences for international students. The paper examines whether there are federal funding restrictions and looks at what some institutions have done in order to overcome these restrictions. The paper contends that the United States colleges and institutions must strategically plan for marketing recruitment and retention of international students. The paper shows the difficulties faced by international students and asserts that they are assets of the United States and should be treated as such with government policy and educational policy working in coherent cooperation.
Outline:
Objective
Introduction
Summary and Conclusion
From the Paper
"The work of Altbach entitled: "The Coming Crisis in International Education in the United States" relates that in order to keep pace with the global world "American universities will need to be international institutions." (nd) Information concerning financial aid, specifically for international students states, at least on one website, that education in the United States is "very expensive" since each year the cost for tuition, room and board will be approximately $15,000 to $40,000 a year in an undergraduate institution varying in relation to the specific school one attends."
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Ethics and Financial Aid, 2004.
This paper discusses the ethical question of a case in which parents lie on their son?s financial aid application because it does not recognize middle-income parents who save for their children's education.
880 words (approx. 3.5 pages), 1 source, MLA, $ 31.95
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Abstract
This paper explains that the system of student financial aid has been set up with an ethical purpose, and, as such, it can be argued that any attempt to deceive the system is unethical, since it defeats the envisioned end of achieving social justice. The author states that John?s parents need to focus on harnessing public support to reform a faulty system rather than resorting to cheating, which represents a solution that only perpetuates an injustice rather then resolving it. The paper suggests that a better formula for financial aid could be based on criteria that takes into account the number of children in the family who have yet to go to college or who are already in college and a family?s annual income, excluding earnings from assets built up over the long term.
From the Paper
"John?s parents may have found the current system of determining student financial aid rough on middle class families who scrimped and saved for their children?s future. But the fact remains that the action they were proposing was unethical and immoral since even Hume would have asked whether John?s parents? feelings were representative of the universal view. Even assuming, for the purposes of this discussion, that the majority of the voting public agreed with John?s parents about the unfairness of the financial aid system, it must still be taken into consideration that John?s parents were essentially deriving moral principles from one particular context. This is evident since the morality of the decision would be unlikely to apply in another context. Indeed, if the need for financial integrity were to be dependent on a given context, it would unravel the very functioning of the economy and human society."
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Financial Aid for Prior Drug Convicts, 2002.
An examination into a 1998 provision of the Higher Education Act which denies financial aid to people with prior drug convictions.
800 words (approx. 3.2 pages), 3 sources, MLA, $ 28.95
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Abstract
The paper defines the Higher Education Act, established 30 years ago to offer financial aid to people seeking higher education. It thereafter examines the 1998 provision denying this aid to people with prior drug convictions. The affect of this new provision on colleges and universities throughout the United States is discussed.
From the Paper
"But many students and politicians have voiced out against the bill, saying that it is class-discriminatory and racist. Several student and statewide organizations, including the University of Southern California Student Senate and statewide New York and Wisconsin organizations, have recently passed new resolutions speaking out against the bill, on the grounds that financial aid should be given out to academically qualified students who need the aid to attend college."
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Financial Aid for College Students, 2006.
This paper highlights the importance of student loans for college students.
675 words (approx. 2.7 pages), 2 sources, $ 26.95
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Abstract
The paper discusses how many high school graduates cannot afford to go to college, but most high school students are eligible to obtain Federal Student Loans and are able to attend college to obtain a degree that will increase their ability to obtain better employment. The paper examines how many parents who live in poverty are not able to send their children to college. The paper describes how student loans are a form of financial aid that allows poor or monetarily troubled students to gain the same education as those who can afford college have.
From the Paper
""Persons with lower levels of educational attainment were more likely to be unemployed than those who had higher levels of educational attainment" (Digest of Education 2006). However, many high school students are eligible to obtain Federal Student Loans and are able to attend college to obtain a degree that will increase theirs ability to obtain better employment. "Of the 2.8 million youth who graduated from high school between October 2003 and October 2004, 1.8 million (66.7 percent) were attending college in October 2004" (College Enrollment and Work Activity 2006)."
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Improving Federal Student Aid Availability, 2007.
A discussion of approaches for making higher education more affordable, with an emphasis on financial aid.
3,672 words (approx. 14.7 pages), 14 sources, APA, $ 101.95
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Abstract
This paper presents an extensive discussion of past and present student financial aid programs in the US. The author cites relevant literature that calls for improvement in the current system. Several specific programs and proposals are addressed. Current legislation for financial aid reform is also highlighted. In particular, the author details the differences between grants and loans, and how they affect low income families. The paper concludes that individuals and society benefit economically and socially from higher education. This ideal can materialize only if education supersedes politics.
Table of Contents:
Higher Up
Goal to Superseding Politics
The Case Today
Paramount Concerns
Results and Recommendations
The Door to Higher Education
References
From the Paper
"During the past 20 years, however, federal financial aid has veered from awarding grants. Loans, rather than grants, totaled 45% of federal student aid in 1981. Fifty-eight percent of federal aid to students was loan form during 2000. During the 1999-2000 academic year, more than one half of America's 16.5 million higher education students received some type of financial aid from federal, state, institutional, or other sources. Of this number, forty-four percent of undergraduates received grants, which averaged $3,500, while 29% of these students secured student loans, which averaged $5,100. (Camara & Kimmel, 2005, p. 45)"
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Financial Management at Citibank, 2004.
A description of Citibank's financial practices.
3,130 words (approx. 12.5 pages), 6 sources, MLA, $ 91.95
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Abstract
This paper attempts to analyse the budgeting practices at Citibank with respect to activity based costing, performance measurement and key performance indicators. Recommendations are also provided.
Outline
Introduction to Financial Management
Introduction to Citigroup
How Citigroup handles Financial Management
Activity Based Costing and Activity Based Management
Stages of Activity Based Costing in Citibank
Identification of main cost
Activity Based Budget System
Introduction to Budgeting
How Citigroup handles Budgeting
Evaluation/ Critical Evaluation of the system
Financial Indicators & Non-Financial Indicators
What is Financial Indicator/Non-Financial Indicator
Usage of Financial Indicator/Non-Financial Indicator within Citigroup
Evaluation of Financial Indicator/Non-Financial Indicator
Suggestions of improvement
Sources of Finance and Working Capital
Main sources of Finance within Citigroup
Influences on working capital within Citigroup
Conclusion
Bibliography
From the Paper
"Budgeting is used to assist in strategic planning. Strategic or long-range planning requires the specification of objectives towards which future operations should be directed. The search for better methods of allocating and controlling the expenditure of funds has always been very important to managers. With corporations realizing decreasing revenues and governments confronted by huge deficits, budgeting is more difficult than ever. The old methods no longer are suitable for Citibank. The newest forms of budgeting are Zero-based Budgeting (ZBB) and Activity-Based Budgeting (ABB)."
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The Financial Services Industry and Voice over Internet Protocol (VoIP), 2008.
A thesis analyzing the impact of voice over Internet (VoIP) protocol in the financial services industry.
19,660 words (approx. 78.6 pages), 21 sources, APA, $ 249.95
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Abstract
This paper examines the adoption of voice over Internet (VoIP) protocol in each segment of the financial services industry, specifically focusing on the adoption practices in small, mid-size and large financial services firms. The author points out how companies at each strata of the financial services market change their processes to take advantage of the customer-centric, financial operations and services aspects of having VoIP-based systems in their organizations. The paper researches questions about the adoption of VoIP and its relationship to customer loyalty, the modification of quoting, ordering and payment systems using VoIP, the return on investment (ROI) and how well the customers of financial services firms are adopting VoIP-based applications. Includes several color graphs, figures and illustrations.
Table of Contents:
Introduction
Executive Summary
Context of the Problem
Problem Statement
Specific Research Questions
Study Significance and Contribution to This Field
Research Design and Methodology
Phase I: Exploratory Research with Industry Experts using Experience Interviews Phase II: Early Adopter Research
Primary and Secondary Sources of Information
Organization of the Study
Literature Review
Summary
Factors Driving Financial Services' Technology Adoption
Financial Services Technology Needs Assessment
Defining the Financial Value Chain (FVC) and the role of VoIP
VoIP Market Dynamics in Financial Services
Applications Are the Agents of Change in VoIP Financial Services
Introducing the VoIP-Enabled Enterprise
Consensus of Industry Analysts on VoIP in Financial Services
VoIP within Financial Services: A Study of Transitions
Grant Thornton Case Study
Selection Criteria and Evaluation for VoIP System
Deployment at Grant Thornton
Results of the VoIP Implementation
Defining Voice over Internet Protocol
How does VoIP Work?
Step 1: Voice to Digital Data Transformation
Setp 2: Digital Data to IP Transformation
Step 3: Transmission
Step 4: IP Packet to Digital Data Transformation
Step 4: IP packet to Digital Data Transformation
Step 5: Digital Voice to Analog Voice Transformation
The Critical Role of VoIP Standards
A Critical Success Factor in Financial Services in Security over VoIP
Threats to VoIP
Confidentiality
ARP floods
VoIP Influence on Customer Loyalty
Executive Summary
Touch-Tone Interactive Voice Recognition
Automated Speech Recognition
Web Self-Service Sites
Analysts'\ Recommendations for Creating Value-Added Services Based on VoIP
Analysts' Recommendations for Launching Self-Service Channels Based on VoIP
Summary
From the Paper
"Applications are the integration point between technology and business processes, and the growth of VoIP-based applications specifically in the areas of financial services and the growth of online banking, online investing and the many services financial institutions are working to deliver over the Internet.
"In a world of circuit switched networks (the foundation of PSTN Service), telephony has always been about access and security. The role of security in circuit switched networks is one that is highly matured, trusted, and relied on by even the most resistant-to-change financial institutions."
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Financial System of Hong Kong, 2002.
Examines the history of Hong Kong as a financial center and its financial system.
3,900 words (approx. 15.6 pages), 3 sources, $ 142.95
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Abstract
This paper traces the development of Hong Kong as a financial center and examines the Hong Kong financial sector after the handover to China.
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Financial Statements for Insurance Companies, 2006.
A look at Financial Accounting Standard 115, adopted by the Financial Accounting Standards Board, and the problems it will create.
2,248 words (approx. 9.0 pages), 2 sources, MLA, $ 69.95
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Abstract
This paper describes the increased difficulties in understanding the financial statements of insurance companies that will occur as a result of Financial Accounting Standard 115 (FAS 115) adopted by the Financial Accounting Standards Board. The paper explains that FAS 115 will create wide variations between companies in the carrying values used for debt securities which will necessitate even more analysis to determine a company's financial condition as well as make it impossible to compare companies' financial positions without restating each company's debt-security portfolio values to a common basis.
From the Paper
"Higher equity levels created by having debt securities carried at market will be misleading to financial statement users. Hardly anyone believes that a company can fully retain the security gains that currently exist in their portfolios. To do so would require curtailing crediting rates to those available based on current rates on new money. Competitive pressures won't allow companies to do this and retain their policyholder funds. To reflect such gains as equity of the company in the financials is just plain misleading."
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U.S. Aid to Latin America, 1990.
This paper examines U.S. policy concerning financial assistance to Latin America, through the various U.S. presidencies, Theodore Roosevelt to Reagan: Politics, financial & military aid, intervention, human rights, anti-communist issues, Good Neighbor Po
7,875 words (approx. 31.5 pages), 18 sources, $ 135.95
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From the Paper
"The purpose of this research is to examine U.S. policy concerning financial assistance to Latin America, through the various U.S. presidencies, from the administration of Theodore Roosevelt to the present day. The plan of the research will be to set forth the principal elements of economic assistance in each succeeding administration, discussing as appropriate the specific policies and programs that have informed such assistance through the years.
As a practical matter, financial assistance to Latin America began in the twentieth century with the accession of Theodore Roosevelt to the presidency. The Roosevelt Corollary to the Monroe Doctrine, promulgated in 1904 by President Theodore Roosevelt, did not treat the subject of foreign aid to Latin America specifically, but it laid the groundwork for a whole ... "
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The Future of Financial Reporting, 2008.
This paper explores the development of a conceptual framework for financial reporting and accounting by the Financial Accounting Standards Board (FASB) and International Accounting Standards Board (IASB).
1,734 words (approx. 6.9 pages), 19 sources, MLA, $ 56.95
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Abstract
The paper explores if the proposed conceptual framework for financial reporting and accounting covers the main facets of the original framework of both the FASB and the IASB and whether the purpose of financial reporting is omitting a vital element. The paper further examines whether the decision-useful objective necessarily encompasses the stewardship objective. The paper concludes that it is necessary to have separate objectives related to stewardship and decision-usefulness.
Outline:
Introduction
Financial Reporting that is 'Decision-Usefulness'
Stewardship Objective
Should the Stewardship Objective be Included Separately?
From the Paper
"The Financial Accounting Standards Board (FASB) and International Accounting Standards Board (IASB) have decided to revise their conceptual frameworks for financial reporting and accounting. Ideally, the present framework of both boards will be broader and expansive so as to develop a conceptual framework, which both Boards can use as an outline for new and revised accounting standards. This amalgamation is very important since markets become more international in scope, there is a need for global accounting standards that are consistent irrespective of the geographical boundaries. Also, 'there was a need to provide direction and structure to financial accounting and reporting' (Penman 2006)."
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Financial Ratio Analysis of Lowes and Home Depot, 2004.
An exploration of the different financial ratios used to determine profitability and financial stability of a company.
2,644 words (approx. 10.6 pages), 2 sources, APA, $ 79.95
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Abstract
This paper focuses on two large retailers in the area of retail home improvements, Lowes and Home Depot, and compares and contrasts their financial ratios in a five-year trend table along with the most recent industry averages. The information presented in this report can be used to help determine the over-all financial status of these two companies.
Financial Ratios Used
Home Depot
Lowes
Efficiency Ratio Analysis
Liquidity Ratio Analysis
Leverage Analysis
Profitability Analysis
From the Paper
"The inventory turnover ratio shows how many times per year a business can turn-over its inventory. In other words, this number represents how many times the business sells out of its inventory in a given year. This ratio is calculated by taking the cost of goods sold and dividing it by the average amount of inventory the business carries. Notice that these ratios are determined by the cost of goods sold because the inventory figures are carried on the boots at cost, not the price the merchandise will eventually sell for (Brealey, pg. 142). When comparing Lowe's and Home Depot to the industry average, we see that both companies' ratios were 5.0 for the year 2003 and the industry average was 4.8. This means that for the year 2003, both Lowe's and Home Depot were able to turn over their inventory a bit faster than the industry as a whole. "
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The Financial Planner, 2006.
This paper examines the role of a financial planner and discusses why it was voted the number three job in America.
978 words (approx. 3.9 pages), 4 sources, APA, $ 34.95
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Abstract
The writer of this paper contends that the career of a financial planner, while very rewarding, is not without its challenges. This paper details the responsibilities and requirements needed to become a financial planner. This paper distinguishes between the position of financial planner and that of the certified financial planner, which is actually a designation obtained by a financial planner. There are currently no educational or experience prerequisites to become a financial planner, other than the requirement in most firms that the applicant pass several licensing examinations, which are detailed in this paper. This paper discusses the areas in which a financial planner typically operates in, including: Investment planning, estate planning, retirement planning and business succession planning. While describing the ins and outs in the financial planning field, the writer contends that this career is primarily a sales position. The writer also delves into the pay-scale of this particular profession, which varies by firm and level of experience. Those with more experience and with an inventory of clients can demand up to six-figure salaries.
From the Paper
"Another group of firms includes brokerage firms, also called wire houses, that may offer some or all of these services, but their primary aim is investment management. These companies include Merrill Lynch, Saloman Smith Barney, Goldman Sachs. They may call their personnel Financial Planners, but they tend to be focused on gathering money from clients to invest through the firm. Some of these firms may offer some of the specialized planning services for their high-dollar clients. The most important thing for someone who is considering this profession is that it is primarily a sales position, particularly in the beginning of the planner's career."
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The Financial Manager, 2004.
A review of the role of the financial manager in the modern financial market.
1,356 words (approx. 5.4 pages), 2 sources, MLA, $ 47.95
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Abstract
This paper contends that the primary goal of every corporation is to maximize shareholder wealth, primarily through cash dividends and share value appreciation. It explains that the role of the financial manager is to act in accord with this premise. It expands that this tenet is not without obstacles, corporations must battle with issues such as the agency problem and the backlash of unpopular decisions. The paper reviews the roles of the financial manager in today's financial markets.
From the Paper
"The primary goal of every corporation is to maximize shareholder wealth primarily through cash dividends and share value appreciation. To this end the role of the financial manager is to act in accord with this premise. Under his/her auspices the financial manager must determine which factors affect the company's stock price and which choices will add value to the company all the while ensuring that the company doesn't run out of the cash necessary for continued day-to-day operations and planned growth strategies ..."
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Financial Development and Economic Growth, 2002.
This paper examines the financial development of the Italian economy and measures its effects on its economic growth and compares it to the U.S. financial market.
2,510 words (approx. 10.0 pages), 3 sources, APA, $ 76.95
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Abstract
The following paper compares the GDP growth rates of Italy and the U.S. measures the level of financial development made by both the markets. Finally it examines whether the economy making higher growth with respect to financial development has made higher economic growth. The reason for choosing the Italian economy for comparison is that it is a lesser developed financial market as compared to the United States.
From the Paper
?There has been a lot of research already done on the issue of identifying a relationship between financial development and economic growth. The questions like does financial development spurs economic growth? To what extent does higher growth induce a reduction in the incidence of poverty? What can financial development contribute in reducing poverty? are continuously part of the economists debate. Generally it is believed that Economic growth is simply the result of refraining from current consumption. Within an economy, there are two general types of commodities. One are the consumption goods and the others are the capital goods. The consumption goods are for the purpose of general consumers use while capital goods are used for production of other commodities. When in an economy there is a lesser consumption of consumption goods by the households, a considerable part of the income is not spent and the result is in the form of positive net savings.?
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