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Financial Organizations, 2007.
This paper discusses the organizations of Morgan Stanley and UBS, from a corporate financial perspective.
1,129 words (approx. 4.5 pages), 2 sources, MLA, $ 39.95
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Abstract
In this article, the writer looks at the financial firm, Morgan Stanley and the Swiss Bank, UBS. The writer points out that the goal of most financial institutions is to extend the deadlines for the loans given to its customers in order to match the deadlines of the institution's resources. Therefore, the proportion of long-term assets in the total assets indicates how prepared is a financial institution to face future difficulties. The writer notes that UBS is doing very well, with 97.6% and 98.8%, in 2003 and 2004, respectively, of its total assets being long-term assets. Further, the writer points out that the situation is similar in Morgan Stanley's case, 98.6% in 2003 and 98.9% in 2004. The writer concludes that both institutions are well prepared to face any potential risks, which explains in part the prestige of both Morgan Stanley and UBS.
Introduction
Operating Profitability
Asset Utilization
Risk Management
References
From the Paper
"UBS is the largest bank in Switzerland. It was formed from Swiss Bank's purchase of the old UBS back in 1998 and is divided into four units. The wealth management unit is the world's largest private bank and also incorporates the Swiss retail banking division. The investment bank unit was formerly known as "Warburg". Another unit is the asset management section, which serves institutions and individuals. The fourth unit is the U.S. brokerage division, previously known as PaineWebber. UBS has tried and succeeded to establish a common brand for all its acquired entities."
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Financial Management in Nonprofit Organisations, 2004.
A brief literature review concerning financial management for nonprofit organisations in the UK.
1,150 words (approx. 4.6 pages), 7 sources, MLA, $ 39.95
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Abstract
This paper is a literature review concerning financial management for nonprofit organisations in the U.K. It describes strategies that the finance function of the Workers' Educational Association can adopt to ensure efficient management and control in sustaining the future financial viability of the not-for-profit Association. The focus is on the issues of understanding, developing and maintaining functional efficiency.
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Non-Profit Organizations, 2005.
This paper compares financial management in non-profit organizations and for-profit organizations.
2,905 words (approx. 11.6 pages), 11 sources, APA, $ 86.95
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Abstract
This page explains that non-profit organizations different from for-profit organizations in the way they manage their finances and provide their financial information to others because, rather than making a profit, they turn their money back into goods and services which help others, pay their employees and pay their operating expenses. The author points out five financial risks, which must be managed in a proactive manner by the board of directors. They are (1) the cost of lost opportunities, (2) financial crunches, (3) uncontrollable costs, (4) increased difficulty with recognizing revenues that meet forecasts and (5) the lack of a successful model for management. The paper stresses that the accounting differences between the two groups are (1) accounting for contributions, (2) capitalizing and depreciating assets, (3) functional expense classification and (4) use of both cash- and modified-cash basis accounting methods.
Table of Contents
Introduction
Literature Review
Analysis, Evaluation, and Critical Thinking
Summary, Conclusion, and Recommendations
From the Paper
"Nonprofit organizations often do not spend enough time dealing with financial issues because they are so focused on the mission that they are sworn to uphold. However, without paying attention to the financial issues as well, these organizations can run into real trouble. They need to orient themselves to the workings of their organization, financially, and they need to develop a budget that works well for all people involved and is realistic. Without a realistic budget, the organization will likely not succeed, because there will be constant struggle and upset regarding whether issues such as bills are dealt with efficiently and properly to ensure that the organization keeps running."
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Organ Donation, 2005.
An overview of the international organ trade and discussion on why financial benefits for organ donors should be legal.
1,344 words (approx. 5.4 pages), 5 sources, MLA, $ 45.95
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Abstract
This paper examines how the shortage of organs for patients in need of a transplant has created an organ black-market and how there is a desperate need to allow for financial compensation for organ donors in order to eliminate this black-market and to save lives. It discusses the problems of the organ trade that has developed world-wide, why compensation for organ donors should be legal, possible solutions to meet the demands, and what can be done to make it happen.
From the Paper
"The current system for patients in need of organ transplants is failing to meet the demands that exist today. Patients are dying while on long waiting lists; therefore, they are searching for other alternatives to meet these demands. Also, spearheaded by then Senator Al Gore, The National Organ Transplant Act of 1984 makes it illegal to sell human organs. Selling organs is a felony offense punishable by up to five years in prison and a fine of up to $50,000. As we have seen throughout history, when a commodity is both in high demand and illegal, a black-market is created. The effects of the black-market of human organs are world-wide from China, India, Brazil, and right here in the United States."
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Health Care Financial Statements, 2004.
This paper discusses accounting methods used by health care organizations to evaluate their financial statements
1,145 words (approx. 4.6 pages), 6 sources, MLA, $ 39.95
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Abstract
This paper explains if accounts and financial statements are not maintained, then a check on the company?s profit and loss or simple money expenditures cannot be analyzed. The author points out that, even though a check on an organization?s financial statement is kept by the accounts department, it is important that the managers understand and keep a check on these reports. The paper relates that members of a health care organization can make use of the guidelines put forward by the AICPA to evaluate the financial statements.
From the Paper
"Healthcare organizations deal with a huge mass of people every day. The cash flow statements, the profit and loss account and the balance sheet unveil the potency and feebleness of such organizations. Budgeting can be easily accomplished with the help of financial statements. Budgeting allows healthcare organizations to plan and utilize people?s resources, productive aptitude and finance to the fullest."
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Financial Incentives and Physician Behavior, 2002.
A discussion on the correlation between the financial incentives that are offered to physicians by Managed Care Organizations, physician behavior and ethics.
8,662 words (approx. 34.6 pages), 15 sources, MLA, $ 182.95
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Abstract
This paper looks at the relationship between the financial incentives that are offered to physicians and their behavior and their ethics. It evaluates, through a literature review and data support, the belief that physicians are spending less time with their patients under pressure from Managed Care Organizations. It shows how because less time is being spent with the patients, the quality of care offered by the physician has gone down and how this is one of the problems with managed care.
Outline
Introduction
Background
Conflicts and Capitation
Purpose of this Research
Goals of this Research
Literature Review
Quality of Care Components
Payment Methods
Physician Behavior
Kaiser Family Study Theoretical Implications
Financial Incentives
Theoretical Implications
Ethics
Methodology
Results and Findings
Discussion
From the Paper
"There was a problem with the MCO system, however. It created a conflict of interest for many physicians. The main concern was that the quality of care was being compromised because physicians had to be careful how many tests they ordered and how many referrals they made. Because of the quota, there may have been people who needed more advanced care and didn't get it. Not all physicians minded the system, of course, because there are some people in every profession who are only out for the paycheck. The physicians that were dedicated to helping their patients, however, soon took issue with the MCO system."
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Ethics In Financial Reporting, 2005.
A discussion regarding the ethics of financial reporting and Generally Accepted Accounting Principles.
1,125 words (approx. 4.5 pages), 2 sources, $ 44.95
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Abstract
This paper discusses ethical financial reporting and what organizations are involved in monitoring and regulating financial statements of public companies. This paper reports that in the United States, these rules are called Generally Accepted Accounting Principles (GAAP). Although they are not laws, the Securities and Exchange Commission requires public companies to follow them. The Financial Accounting Standards Board is the most important organization in setting Generally Accepted Accounting Principles. Although not part of GAAP, Statements of Financial Accounting Concepts provide the basis for Statements of Financial Accountant Standards, which are the most important GAAP-establishing publications.
From the Paper
"The framework for corporate financial management has changed significantly over the past few decades as more corporations move away from a checks and balances systems towards more of a juggling act. Recent ethical scandals including the Bre-X, Enron, and Worldcom debacles, has translated into increased scrutiny of corporate financial reporting. Some financial analysts argue that a company's ethical standards affects profitability, and those businesses that demonstrate unethical behaviour will suffer from decreased market share and profit potential, as well as increased government regulation. Increased competition between businesses has forced corporate finance managers to juggle more than one set of balance sheets depending on whether the reporting is going to the Internal Revenue Service (IRS) or shareholders."
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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 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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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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Leadership in Organizations, 2006.
This paper discusses the quality of leadership and its importance within organizations.
1,191 words (approx. 4.8 pages), 6 sources, APA, $ 40.95
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Abstract
In this article, the writer defines leadership as the ability to lead and inspire people towards a common goal. The writer describes the importance of this quality as it can determine the success or failure of an organization. The writer discusses that if the objectives and goals of the people are not aligned with the company's mission and vision, this will have detrimental impact on the financial bottom-line and eventual survivability of the company. However, if the people are dedicated and work together in the same direction as the organization, they will achieve more as a group and ensure the company's success. The writer looks at how a leader's role is to ensure that the people work together in such a way that it would benefit themselves and also the organization. This benefit would be in terms of financial compensation, personal growth, and the fulfillment of psychological and emotional needs. The writer claims that for the company, this benefit would be in the form of financial success, continued growth, and contribution to society.
Outline:
Introduction
Personal Experience
Conclusion
Bibliography
From the Paper
"Although there are a lot of theories that define leadership, we can identify basic and fundamental factors that relate to this concept. First, leadership can only be defined within the context of a group. There's no leadership when only one person is involved. Second, leadership is both a quality and an ability. A leader "possesses" certain intellectual and emotional capabilities that enable him to influence people. Aside from this, a leader also "demonstrates" certain skills that allow him achieve predefined goals. Third, leadership involves innovation and inspiration. These two qualities distinguish it from "management", which emphasizes supervision and control. Lastly, leadership is the origin or power and influence. Without the ability to lead, power and influence cannot be achieved. The degree and practice of these two qualities eventually determines success or failure in all aspects of an organization."
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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 Planning: An Intricate Profession, 2002.
A look at the challenges facing those in the financial planning profession due to recent changes in the financial markets.
1,925 words (approx. 7.7 pages), 4 sources, MLA, $ 61.95
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Abstract
An examination of the changes facing the financial planner and advisor in his/her profession. The paper looks at changes in the financial markets and trends of investments to show how the relatively simple job of previous decades has transformed into a very challenging one. The writer presents four suggested steps that the financial planner should follow for forecasting solid investments.
From the Paper
"Financial planning was an easy route to wealth and success during the 1980s and the latter part of the 1990s. The stock market was riding high, the new wave of high tech stocks posted significant and uncharted gains and investment capital flowed through the American economy freely. In today?s economy, however, the financial planning profession is much more of a challenge and a grind. It can be equally rewarding and fulfilling, but it requires more preparation and understanding of the complex markets and of planners? ethical and professional responsibilities to their clients."
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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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