Banking Article Reviews Samples For Students

David Tuff was a 24-year-old security guard at Villlage Square Mall in Minneapolis, Minnesota. The mall is managed and operated by Blue Mountain Company, which also has a security services division that trains and supplies security guards to several shopping malls in some Midwestern states. Tuff strongly opposed Blue Mountain’s new company policy to order and escort intoxicated persons (including drunk drivers) off its parking lots and onto the public roads. He feared that drunk drivers might harm innocent people and that doing so would jeopardize his license, as he was required by law to report any illegal behaviour (drunk ...

International Banking and Finance

Canada and the United States are similar in many aspects. However, they exhibit some financial policy differences. In the past decade, both countries were faced with the same problems in the global business environment. These comprised of flooding of the market with cheap commodities and money from the Asian countries. Economists in both countries even agreed that the period of the severe recession was over. But when everything went wrong, the consequences in both countries were very different. The United States suffered the consequences while Canada did not.

It has been speculated that this happened because of the ...

1.) Bank of America’s Acquisition of Merrill Lynch

This article talks about the serious financial losses that Merrill Lynch incurred in the year 2007 to2008, amounting to $8.4 billion by running its business of subprime mortgages. The subprime mortgages turned out to be high risk as housing prices dropped and subprime securities lost value. In order to augment its losses, Merrill Lynch decided to sell $31 billion worth of subprime securities for pennies on a dollar. However, such management decision was doomed which impelled the company to start merger talks with Bank of America. Bank of America agreed to buy Merrill Lynch for $50.3 billion in stock of $ ...

Summary Critique

Education in colleges has become quite expensive in recent years. The federal government has provided loans to students to finance their college education. While the intention was to reduce the burden on the students and their families to enable them achieve their dreams but by no means least, at last, the whole system has turned out to increase the burden on the students and their families. This has left the students in a situation whereby they have been forced to recall their education or seek other methods by which they can fund their education. The reasons behind these predicaments have ...

Unequal development and economic status have been a persistent problem in America. The gap between the rich and the poor is high and is been amplified by several factors. How can an individual help reduce this gap? There is a great deal of actions that an individual can do. This concerns the development of alternative economic institutions including practical problem solving that have begun centered on egalitarian wealth, nurturing democracy and community life and avoiding climate catastrophe and fostering liberty.
A small, thoughtful group can change the world. The following are some of the areas small groups can focus on ...

Wells Fargo & Co. is one of the largest mortgage lenders in the nation. The company plans to ease the rules on mortgages. One of the main rules that the company will adjust is to lower the credit score for mortgages that are eligible for government support. This is a clear indication that the standards related to mortgage-lending will ease. Franklin Codel asserts that the bank will purchase loans that have Federal Housing Administration backing with credit score of 600. The main aim of this adjustment is to increase the level of credit (Timiraos “Well Fargo Plans to ease Some Rules ...

Ethical compromise

The Oxford Dictionary defines compromise as the settlement of certain differences by mutual agreement that can be reached by adjusting the conflicting or opposing claims, principles, or by modifying demands.
Therefore, to compromise means to come to a certain deal in a a problematic situation between several parties by giving up some of their demands in favor of another party. The cornerstone of any argument is communication, only through which a mutual acceptance of terms can be reached, even if it involves any deviations from original goals or desires, whereas ethical compromise means that you can deal with the situation you have ...

The article by Ameriprise financial institute states that the goal of any investor is to minimize losses and maximize profits. It further states that investment and business management involves various risks that may occur from time to time. However, the article does not mention the types of risks that may occur in the course of business. Furthermore, it states that individuals should save enough income for their retirement benefits, mortgages and funds to cater for their health at old age. Ominously, it fails to elucidate health insurance that is known to be the most important constituent of the business ...

Delays at S.B.A. Harm Program for Women
According to a government survey in 2007, the disarray of miscommunication inside the Small Business Administration considerably delayed some federal grants to women’s business centers, which annually help very many women to start up self-owned enterprises (Olson, 2007). In this article published on the New York Times, the author indicates that the lag in the agency’s delivery of federal funds forced part of the 98 women’s business centers to send their staff packing. Giving data from the audit by the S.B.A. inspector general’s office, the article indicates that ...

Fred Moseley. "The U.S. economic crisis | International Socialist Review." N.p., 20 Jan. 2009. Web. http://isreview.org/issue/64/us-economic-crisis
In 2009, the U.S economy experienced its worst disaster since the Great Depression. The article discusses the causes of the crisis, how bad it was and the various policies the government implemented to end it. The major cause of the crisis was the decline in the rate of profits. The rate of profit declined from 22% in 1970s to 12% in 2009. This resulted to high inflations and unemployment rates, therefore reducing the consumers’ purchasing power. As a result, the government had to adapt ...

Management

IMF gives a warning that much efforts is needed by banks to lower their risks
The article is talks about the alerts made by that the International Monetary Fund for banks to come up with solutions to their own problems. It is said that, “when you fail to plain, you plan to fail.” The article’s author is Douwe Miedema and the source is Bloomberg BusinessWeek newspaper. In the paper below, the crisis of bankruptcy in big banks is discussed and their over dependency towards the government. The paper goes further to discuss the improper handling of taxpayers’ money ...

A survey on America’s best companies in the book In Search for Excellence identified the best managed and also the “unexcellent” companies. The survey came up with two results that were striking. One, there was evident reversion in the mean whereby the growth and lucrativeness of the best companies did slow down after long time periods. Secondly, the “unexcellent” companies outperformed the S&P 500 by over 12%. In the 1988- 1992 period, there was a domination by reversion in the price/ earnings and price to book ratios (Clayman, 1994). Large capitalization stocks vividly outdid the smaller capitalization stocks. There ...

Response to Wolfers’s and Webley’s Articles

An online petition about forgiving student loan debt for all Americans has since received/raised nearly 300,000 signatures. The people who came up with this idea and those who approve of it believe that student loan debt forgiveness will have an immediate simulative effect on America’s economy. While many people signed to endorse the policy of forgiving student loan debt, some people have a different opinion about it. For example, journalist Kayla Webley and economist Justin Wolfers are among the few who have made their voice herd on this matter. Although both Webley and Wolfers think student loan forgiveness ...

Summary

In Jan.1, 1914, Tony Jannus flew an aircraft designer by the name Flying Boat No. 43. He flew the aircraft into the aviation history and across Tampa Bay. The journey took 23 minutes with only one passenger who paid $400. The trip became one of the first scheduled commercial flight in the world. During that day, Fansler told people that the Airport line would be a sign of great activity. In addition, Fansler asserted that the things that were impossible yesterday would be the accomplishments of today. The rickety seaplane struck many people yet it was only powered by 75-horsepower ...

(Instructor Name)

The article on Microfinance as a possible means of alleviating poverty in the developing world is an interesting piece that provides information on how micro-lending initiatives like Grameen Bank are helping the poor improve their domestic economic condition. Grameen Bank’s work over 30 years brought its founder Mohammad Yunus the Nobel Peace prize in 2006 for helping alleviate poverty (38). The author Susanna Khavul provides a lucid outline of microfinancing as it exists. Several micro-financing initiatives around the world have been created by the international banks, institutional investors, and foundations (38) besides individual investors. The micro-lending initiatives which ...

Is Risk the Best Theory for Capitalism?

Issue summary
James Kwak and Simon Johnson asserts that the risk is a crucial component in making profit. When imprudent risk is taken, the outcome can be harmful. Despite the negative consequences of risk, the value of risk in business remains vital. Barry, on the other hand, assert that much focus is put on risk as an essential component yet risk was the main cause of economic collapse in 2008. Risk entails undertaking various issues in business. In most corporations, risk is a critical factor in achievement of objectives, goals, and mission.

Risk is a condition that is always present in ...

Section A: Monetary policy

For instance, according to the article, the Bank of Japan (BoJ) is the monetary authority that is responsible for regulating the monetary provision in Japan. The article presents the economic inertia in the Japanese economy. Due to this economic inertia, the Japanese Prime Minister, Shinzo Abe, has come up with an economic plan that has three parts in order to rescue the country from the stagnant economic situation. This move to trigger a growth in the Japanese has also been initiated by the Bank of Japan. The Bank of Japan has adopted expanding its plan of “quantitative easing” in increasing ...

Local governments have the responsibility of taking care of their residents and inhabitants. They borrow funds and loans to enable them to run their systems and structures effectively and with efficiency. However, some of the funds may be too huge for a local government to handle and may end up risking the economy of the state or government. An article in the Los Angeles Times by David Pierson in June 2009 raises the suspicion of a local government that has incurred huge debts that risk the operations and economy of the local government. According to the article, the local governments of ...

A consolidated tax return is a return filed for all the different segments of a business, it also includes the return filed by a holding company along with its subsidiaries. A consolidated return shows the consolidates income as well as the expenses. The advantages of filing a consolidated return is that the profits of one company as written off with the loses of the other, there is a tax advantage on inter company distributions, the un used credit of one company can be transferred to the other company and the capital gains and losses can be adequately adjusted. Disadvantages of the same are that ...

Prisons, Privatization, Patronage

Summary
The article, “Prisons, Privatization, Patronage” by Paul Krugman highlighted that the government’s decision to privatize prisons and related public services, such as halfway houses, has come to face its consequences—escaped prisoners committing crimes all over again, sometimes even worse than what they have been convicted for. Krugman cited The New York Times’ investigative reports on this issue and case stories on what has been taking place in the state of New Jersey. These studies reveal that such private facilities are inadequately managed, with insufficient number of personnel, and poor prisoner monitoring equipment. However, Krugman also ...

The article talks about the use of computers in auditing and fraud detection. It introduces a new term “Inductive Logic Programming” that is under development these days in order to detect fraud even before they occur. It relies on mathematics algorithms and programming to detect suspicious patterns and report the fraudulent activity before it occurs. For example, during bad weather, very few people leave their homes, and if during such time a card from that area is used, it will report it as a suspicious transaction. This is not new, currently many banks throughout the world use “Neutral Networks” in order to ...

This article addresses the need for childbirth educators, as the first line of information for parents, to understand procedures related to umbilical cord blood banking and potential uses of umbilical cord blood and cells to answer questions or discuss the topic with expectant parents. The article points out the need for more awareness in childbirth educators of the topic of umbilical cord blood since most expectant parents are unaware of the topic unless they know someone who has been involved in a stem cell procedure.
The majority of expectant parents are largely unaware of the benefits that umbilical cord ...

Offshore outsourcing has been an increasing trend in recent years. Businesses opt to have some of their operations handled by an outside provider due to its reduced costs. However, some companies tend to overlook a variety of things when it comes to client-vendor relationships. In outsourcing, it is important to note that the how the process really works is not as easy as it sounds like. Puranam and Srikanth (2007) debunked seven myths about offshore outsourcing, ranging from unrealistic expectations to poor ideas about structuring contract and convoluted views of risks. They further state that belief in these myths would ...

There are also different business interactions that customers may want to use mobile devices; for example, a customer may want to use an application that handles large number of clients or customers. This may increase the need to research online more frequently than before. This necessitates the manufactures to consider the information the customers seek, the features required, reviews. This may as well include location of the retails outlets. Therefore, the mobile phone in the current error should be able to offer these online customer interactions without a problem.
The need for the customers to have a technologically advanced way of ...

Article Review

They say old age is gold, but it can never be gold if there is inadequate saving to enjoy a decent life. Retirement is the on -set of the old age. It marks the stage where people take a break from sometimes rigorous careers and create the essence of having a break from the daily routine. Retirement requires resources as one is no longer economically engaged to make ends meet.
The record is clear that one out of three Americans do not have savings to support himself after retirement. The commercial banking services have stepped up their advertisement to attract more ...

1. Findings
CDS market concentrated at counterparty’s levels, and less concentrated at the reference entity levels. This means the top ten active most traders account for 70% of the gross protection and less than 50% of total exposure. Secondly, the gross outstanding notional CDS amount on the EU reference utilities rose by roughly USD 1 trillion since 2010 summer rising to USD 4.6 trillion in 2012. The total net amount of protection equivalently sold on the reference utilities is around USD 500 billion. An aggregate approach is that the major traders sell CDS protection while smaller traders ...

Terrorist financing involves providing funds for terrorist activities. This may include funds that has been raised from various legitimate sources for instance personal donations, gifts, business profits and also from charitable organisations, as well as funds from illegitimate or criminal sources such as kidnapping, piracy, drug trade, money laundering, extortion and smuggling of weapons. Terrorist have been using these and other techniques especially through money laundering and disguise as charitable organisations so as to evade being caught by the relevant authorities and also as a way of protecting the identity of the sponsors as well as that of their beneficiaries ( ...

Introduction

The dynamics of the society has resulted into several changes in the corporate world. This has necessitated the need of research, creativity and innovations to come up with novel and improved technologies which can be used to make life more comfortable. This has prompted the need for making constant innovations to improve the working conditions of the employees to enable them improve the quality of services. This is necessary for the survival of the organization in the highly competitive corporate sector.

Technological Innovations

In deed, research is an essential exercise for any business organization. It is the best way to come ...

An overview of the Federal Transportation program is that in recent years it faced a lot of challenges since its inception years. Lack of funding is the most urgent problem that the program faces with trust fund for highways slowly heading towards the direction of bankruptcy. The public is not yet ready to embrace alternative sources of funding such as the mileage fees, road fares and income taxes. Priority has not yet been placed to investments on the national transport system and maintaining the existing ones but rather it is directed to developing high speed programs on railways.
Some ...

Evidence showing that RBA is justified in considering an interest rate fall

At the beginning of the month of May, the Australian cash rate was said to be at 2.75%. This statistic was achieved shortly after the May’s bank rates were cut by the Reserve bank of Australia. This marked the lowest cut level achieved in the last 53 fiscal years in this country. The RBA’s board should consider cutting the cash rate because of the prevailing economic conditions in Australia today. The country’s financial markets are currently trading at a 14% chance of suffering a 25 basis points reduction; this sentiment was echoed by Credit Suisse while advocating for ...

Introduction

In the United States, and in other developed countries, healthcare is treated more like a necessity than a benefit, contrary to the way how most developing countries prioritize the provision for healthcare and other health and wellness-related services, wherein it is perceived more like a luxury. This is one of the main reasons why there are a lot of thriving health and medical insurance companies in the U.S. and other developed countries. The citizens in those places are willing to pay a premium just to get the best healthcare services for themselves and their family members, who basically act as dependents in a family health ...

Briefly answer the questions below1. Define the 'banking concept of education' in your own words.
The banking style of education is defined as an educational system wherein the student is viewed as a sort of bank, where educating is an “act of depositing” (1), the teacher a depositor, and the student receptacle, “receiving, filing, storing the deposits” (1). In this way, the student is supposed to passively receive and absorb the knowledge that the teacher determines suitable and necessary.
2. Describe the student-teacher relationship found in the banking style of education.
The teacher is seen as the all-knowledgeable ...

Article Review: Japan’s Growth Strategy is All Wrong

Abstract
The article Japan’s growth strategy is all wrong is about the policies implemented by the Japan government led by Prime Minister Shinzo Abe that is viewed to jeopardise the country’s low interest rate environment that is conducive for spending and investment. The purpose of the student in writing this paper is to present the economic problem faced by Japan as an implication of the policies executed by the government, applying the concepts and principles that I have learned in my Economics.
The article entitled Japan’s growth strategy is all wrong is about the ...

Article Review

I agree with Holman on the issue of the invasion of financial privacy of innocent citizens. Offshore bank accounts should not be criminalized. Rather, offshore bank accounts play a key role in international diversification. This is especially so in times of government regulations and currency controls which are getting stricter. Offshore banking provides a way for having part of one’s wealth outside his or her country to avoid the risk of confiscation of assets and government freezes. However, the problem is that offshore bank accounts have always been associated with the negative things. They are viewed as avenues for corrupt ...

There are countless social problems in countries all around the world, but arguably there are more in developing countries, such as those in Africa. Furthermore, what can begin as a problem caused by nature, such as a drought, can soon become a social problem with many facets. In her article, East Africa Food Crisis 2011, Shah describes how the worst food crisis is taking place in East Africa, namely in Ethiopia, Somalia and Kenya. Published on July 31, 2011, on the Global Issues website, the piece explains how in spite of consecutive futile rains, the emergency has been assessed as unnecessary and ...

Introductory section

- Does this material define the primary government? The document has defined the primary government in which the city operates under as the council manger form with six members who are elected for a four year term.
- Does the introductory section discuss the government’s financial condition at the balance sheet date? The introduction briefly discusses the financial position of the government where it states that on a government wide basis, the city’s net assets grew by $19.6 million in that fiscal year which was generated by governmental activities it continues to state that the city’s combined ...

Business

It is ethically wrong for the LPS Company to employ improper fee structure which results to double-billing the mortgage investors for legal services which is related to the processing of the foreclosures and the bankruptcies. Timaraos (2013). this is actually ethically wrong.
The company’s ethical duty could have been to provide the right information to the clients rather than exploiting them on the basis of providing them with the improper fee structure which resulted to double-billing their mortgage for legal services which is related to the processing of the foreclosures and the bankruptcies. I therefore propose that ...

Summary

In the article M&A Needn’t be a Loser’s Game, which was published in the June, 2003 issue of the Harvard Business Review, the authors Larry Selden and Geoffrey Colvin (2003) described the results of their study where they identified some of the reasons behind the failure of most mergers and acquisitions (M&A). Based on their findings, they also provided recommendations on how to ensure the success of these endeavors.
Selden and Colvin (2003) cited that 70 to 80 percent of acquisitions failed, which meant that these acquisitions failed to create wealth for the acquiring company’s shareholders. ...

The government agencies had incentives to act as they did including the benefit of receiving massive credit for being the only organization that helped the post-Katrina victims. The government would also receive the benefit of a great opportunity to publicize to the citizens the good deeds they were doing to the post-Katrina victims. Another incentive is that the government was not ready to incur the cost of having other people in charge example the Red Cross and church organizations. They hold responsibility for maintaining order, they can arrest or even kill someone in circumstances surrounding the rescue, but a representative of ...

Barry Minkow, founder of the ZZZZ Best carpet company perpetrated one of the most shocking frauds ever reported in the United States. More shocking, however, was the fact that a fraud of such magnitude happened under the watch of the Securities and Exchange Commission (SEK) as well as a well known accounting firm.
The fraud in question involved duping the public to invest in a company, ZZZZ best carpet company, in reliance on fraudulent financial statements. Minkow doctored the financial statements so that they could appear appealing thus enabling banks to extend credit facilities to him in pretext that he was ...

The privately held parent company of Nicolet National Bank, Nicolet Bankshares Inc., has announced that it will acquire the publicly traded Mid-Wisconsin Financial Services, the parent company of Mid-Wisconsin Bank. This merger will extend Nicolet’s control over Northern Wisconsin with a more diversified loan portfolio and will create the sixth-largest holding company headquartered in Wisconsin.
Mike Daniels, the president of Nicolet National Bank, revealed that Nicolet needed to grow to overcome the approaching regulatory burdens from the Dodd-Frank Wall Street Reform and Consumer Protection Act. The acquisition of smaller community banks is one of several ways they can ...

OPEN- ECONOMICY MACROECONOMICS

Fixed versus Flexible Exchange Regime, Determination of Exchange Rate in Free Markets:
Fixed currency exchange rate, or in other terms pegged exchange rate denotes the fixation of a currency value against any other currency or to a whole lot of other currencies. This is usually done for stabilization of the currency pegged to the other currencies. Floating Exchange Rate is the exchange rate of the currency value which is fixed by the free market. The exchange rate of a currency is variable depending upon the amount kept in foreign reserve and fluctuating demand and supply of the particular currency.
Another ...

THEORY, EMPIRICAL EVIDENCE

AND IMPLICATORS

Link between Default an. The d Recovery Rates

The article gives a detailed analysis and measurement of the relationships that exists between the rates of recovery as well as the aggregate default. It also seeks to show the empirical relationship that exists between them. The article gives a review of how models of credit risk would implicitly or explicitly work with the given recovery rate variable. The article also focuses on the rate of recovery of corporate bonds that were defaulted in the period between 1982 and 2002. Additionally, the article attempts to give an explanation of the rates ...

The Midwest Independent transmission Operator (MISO) uses operation research techniques to determine which power plants are to be switched on or off in order to save energy and ensure optimal energy supply. The Operations Research methods used here set the energy levels and helps in determining the prices at which energy should trade. The new markets have helped in increasing the efficiency of the existing electric infrastructure and the improved reliability of the grid. MISO have accounted for energy savings for up to $3 billion for the first three years of existence. MISO implements the use of linear programming ...

The author attempts to put a case that would essentially place liability on the bondholders that finance banks upon the occurrence of financial crisis. This would depart from the common practice in which the bank bondholder is protected and safe from the adverse effects that hit the financial world upon collapse of the system. He equates this latter practice to impunity and signals its end in the events that characterize the Spanish financial system where the bank financiers are likely to suffer losses. The developments in America and Europe have seen the attempt by policy formulators to amend the law ...

The William Boston’s article titled “Merkel Backs Bond Buying Program” reports the move by the German Chancellor, at a summer news conference in Berlin, to back the process of buying bonds by the European Central Bank (ECB) in a move that could only be perceived as an endorsement of the ECB president, Mario Draghi, in a manner that would not in any way undermine the position of Germany’s Central Bank (The Bundesbank), whose president, Jens Weidmann, has been a strong critic of the bond-buying process. According Boston, Merkel, while professing her incertitude about the ability of Europe to establish a common regulator for ...

Article review: corporate culture

This article looks at the various ways through which organisational culture can be changed. It also acknowledges the difficulty in changing an organization’s culture and goes on asserting that the culture of an organization constitutes various facets including set goals, peoples’ roles, organizational processes, different values and variant communication processes.
This essay provides a review of this article by focusing on the central theme of corporate culture change. The article focuses on the dynamics involved in changing the culture of an organization. In its introduction, it confirms the fact that it is not easy to change the organizational ...

The recent financial crisis and its causes.

Financial crisis is a situation whereby people lose confidence in the banking sector and therefore their investments in many countries is affected. The value of the assets owned by the financial institutions and other investors reduce in value to a great extent (WIEDEMER, 2012). This has adverse effects in the economy of many countries. The recent financial crisis has resulted to many problems in the whole world. According to the article by Gordon and Metric, the major cause of the financial crisis is the increase in debt of various countries. Both public and private debt was behind the cause of the ...

In her article, “East Africa Food Crisis 2011,” Shah describes how the worst food crisis is taking place in East Africa, namely in Ethiopia, Somalia and Kenya. Published on July 31, 2011, on the Global Issues website, the piece explains how in spite of consecutive futile rains, the emergency has been assessed as unnecessary and man-made, as the situation had been foreseen numerous months prior by a global early warning system. Both international and local governments have been blamed for taking little action in the approach to this emergency. Furthermore, high food prices have caused many people to not be ...

(a)
The two articles “Debt is Good for You" and “Debtors’ Prison" explore the use of debt financing by corporations and contrast it to equity financing, as well as investigate the implications of excess borrowing.

“Debt is Good for You" discusses debt and equity financing by providing a brief overview of the scientific research in this area. It uses the paper by Modigliani and Miller, who claimed that the proportions of equity and debt have no effect on the firm’s value, as a reference point for further discussion and shows the evolution of the theory related to company financing. In ...

Abstract

It is commonly accepted that education is important in modern day life. There are so many technologies that have come up, all of which call for individuals to be well informed. For instance, there are computer programs which are very essential while working as well as other machines which make work easier. To effectively work with these machines, it is mandatory that one has an educational background. People with learning disabilities may be disadvantaged when it comes to this. However, there are legislations that can be enacted so as to secure the interests of such people. This essay explores ...

Who: The Article Is About The President Administration And Homeowners Suffering From

What: The topic is housing crisis

Where: Twitter town hall meeting

When: Housing crisis has began a long time ago and isn’t going to end in the nearest future

Why: Decline observed in the housing market hasn’t been solved as soon as the President expected and now it received special attention from people at press conference.
Summary: This article focused on President’s answers to questions asked by Tweeter users at town hall meeting considering the housing crisis, its reasons and possible solutions.
Connections ...

Why are homeowners continually losing? They are losing their homes. They are losing their finances. And they are losing their rights to be protected from acts of disservice from the banks they trusted to secure a home mortgage. And there seems to be no winning in sight because the federal and state attorneys general cannot agree on a feasible settlement to hold the banks accountable for the misappropriation of foreclosure transactions.

Why would 50 state attorneys general collectively agree to present a draft settlement that was unclear, knowing that federal officials, Democratic and Republican, would attack it? These officials support the efforts, ...

Article Review:

What Will Happen in the World’s Largest Nation?
Article Review: Bank Ownership and Efficiency in China:
What Will Happen in the World’s Largest Nation?
This article (a draft, notably) was written in 2005, and starts off with the report that China was “partially privatizing” three of its four largest banks and opening them to foreign ownership. The article presents data claiming to demonstrate that allowing foreign ownership would increase “efficiency” levels in the banking sector generally. The article also includes a brief yet interesting history of the Chinese banking system.
Ten years later, the article can be ...

The issue of online credit card fraud has become one of the major crimes that can easily be committed using the internet. Due to the lack of policies and laws to prevent the crime, the number of victims continuous to increase since most sale transactions can be completed online using the internet. Online credit card fraud poses damage to the public but requires federal legislation to prevent future crimes. There is lack of corrective mechanisms to deter the proliferation of the online credit card fraud to prevent damage to future victims.
The article of Segal, Ngugi & Mana (2011) explains ...

Household food insecurity and food banks among low income Toronto

The article has sort to find out the relationship between Food banks and household food insecurity among the low income Toronto residents. The article is considered important since it is among the first research papers on the topic of household food insecurity and food banks in Toronto. Through an intensive research, the article has shown numerous reasons for the escalating issue in Toronto. The reasons in the findings are categorized as barriers to the food banks and choosing not to use food bank willingly due to personal reasons (Loopstra & Tarasuk, 2012).
Based on barriers to the food banks, the ...

Article Review of Hedge Clipping

Article Review of Hedge Clipping
The major issue that is being investigated in this article is about risk management as a result of clipping the hedge. Moreover, the article has presented several advantages of hedge funds over other financial institutions such as banks and brokerage companies. That is hedge funds are not regulated by the SEC, and this provides them with a considerable latitude for investing the money of their customers. This article applies the financial data between the years 1996 to 2003 because from the article; it is clear that Malkiel and Atanu examined the data between 1996 ...

Race is one of the factors that play a role in the determination of the credit worthiness of a person. A study conducted by the Federal Reserve Bank of Boston showed that minorities were more likely to be denied mortgages compared to the whites. Credit plays an important role in the lives of the minorities because it enables them to improve or escape their poor living conditions (Munnell, Tootell, Browne and McEneaney 25). The lack of credit would mean that the minorities will continue being poor. As a result, the Home Mortgage Disclosure Act (HMDA) was enacted so as ...

Community Sourced Capital (CSC) has brought forth a model of loaning out reasonably large loans at an interest-free rate. This model will be implemented throughout the state of Washington in a deal with the Department of Trade.
Co-owners of Intrigue Chocolate in Seattle, Aaron Barthel and Karl Mueller, were out seeking a loan to finance their move to a bigger commercial space in a new location. They were irritated by banks that wanted them take high-interest credit debts. They turned to Community Source Capital, which is a company based in Seattle that established an online crowdfunding platform that helped them raise more than $400, ...

Bose, S. (2016). Xerox (XRX) Misses on Q1 Earnings, Split Likely in 2016. Zacks. Web. 21 July 2016.
Supriyo Bose (2016) discusses financial results of Xerox Corporation in first-quarter of 2016. Despite a little decline in earnings some years ago and a challenging macroeconomic environment, a company has improved its positions and productivity that resulted in adjusted earnings. The author informs about the current economic environment, financial result of Xerox, and provides points of view of experts on how to increase earnings.

Areas of Agreement

Supriyo Bose (2016) proclaims that Xerox has adopted a decision to provide a three-year strategic transformation program ...