Credit Article Reviews Samples For Students

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 ...

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 ...

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 ...

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 ...

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 ...

Stevey is very opinionated, honest and open-minded about legalizing marijuana. As he gives his opinion as to whether or not marijuana should be legalized, he confesses to having been a user at some point in his life. He continues by saying that even as a user, marijuana did not affect him and he is one of the smartest people.
Credit cards are issued by the bank to enable an individual to buy goods or pay for services. They make life easier but if they are wrongly used they can make one to be in a massive financial debt. However, ...

LEED Neighborhood Development (ND) rating systems such LEED-ND are designed for the certification of exemplary neighborhood development projects which show exemplary performance in relation to smart growth, green building, and new urbanism. Contextually, such development projects include whole neighborhoods, multiple neighborhoods, and even parts of neighborhoods. By reviewing the Pilot version of the LEED-ND 2007 certification document, it is evident that LEED-ND systems are designed to drive the marketplace towards acknowledging the central doctrine of green building i.e. the simple fact that our personal, economic and environment health is significantly influenced by our immediate surroundings which include the places ...

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 ...

Introduction:

The government policy target of Nigeria for the minimization of credit cards use in Nigeria in areas involving alien transactions; control measures of foreign exchange and the overall implications
Exchange Control: The regulations that are adopted by the state for the management of foreign and local level currency amounts that are globally traded in the market. It generally includes ban and restriction of the exchange amount.
Demand-Supply: The theory that the forces of demand and supply have an interrelation as a result of an effect on each other for the establishment of the state of equilibrium.
Price Elasticity: The ...

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 ...

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 ...

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 ...

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 ...

The article opens with definitions. “Community Economic Development” is presented as “a strategy that includes a wide range of economic activities and programs for developing low-income communities such as affordable housing and small business development.” A focus on job creation whether working with neighborhood businesses or industrial parks is central to the programs.
Economic development was a response to perceived problems of poverty. Associated with poverty is poor housing, lack of access to health care, a lack of jobs and a generally poor quality of life. Efforts to address these problems are very local. Community Development Corporations have developed ...

Despite the fact that clear guidelines on authorship of scientific papers have been published by the International Committee of Journal Editors, short term contract research workers are still disadvantaged in terms of career progression, rewards, and recognition. This happens even though these short-term contract workers are the ones that do most of the researches reported in the biomedical literature. This importance of short term researchers has led to the establishment of mechanisms that seek to improve their plight and solve their issues.
This text explores the different issues associated with the assignment of authorship. These issues include professional issues, ...

1How does monetary policy affects the economy?

There is no doubt that national monetary policies pose a great impact on the economy of any country, that is, employment, income and investment. Theories trying to explain this mainly draw their arguments from the general nominal rigidity as applied in prices and wages. It therefore means that monetary policy has an impact on the economy due to the fact that workers and firms respond to the increase in liquidity through improved production rather than increasing the prices and or wages. Notably, there is a significant disparity in decision making as far as wage setting is concerned. Most theories ...

Review on

“No frills supermarket Aldi to accept credit cards”
(By cnbc.com)
According to one of the latest CNBC news, German-based supermarket chain Aldi, which is focused on no-frills service, will start to accept credits cards on U.S. market. The Aldi chain consists of more than 1,500 locations in the USA and tries to use the aggressive strategy of development. According to the company’s plans, the aim of this strategy is to increase the number of supermarkets to 2,000 by 2018.
One of the most important parts of this strategy is to increase the level of service. The ...

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 ...

Jean Anyon’s article discusses the division of schools according to the social class in the present society. The author further insists that the type of curriculum taught in such schools reflect the expected careers that they would likely get into. The article illustrates very well to the readers on the overall state of the schools being that they are classified according to the amount of money that the parents have in that, the students from affluent families would likely go to better schools that will provide them with better education. Consequently, the children from the less fortunate families ...

Introduction:

This article elaborates the several factors affecting the housing and property in the markets of Malaysia. The international credit agency has given focus on this housing and property markets in relation to the forces of demand and supply in their economy. The rise in the prices of property has attracted great concern since they have a great impact in the economy of Malaysia. It is therefore necessary to emphasis and focus on this issue in order to consider the general impact on the economy as well as how to curb this problem using various economic means and tools.
The ...

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 ...

2007 Economic Crisis Review

Abstract

This article is an academic review of the economic crisis that struck in 2007 whereby the world economy experienced deep and long prolonged recession with the crisis being considered as the worst to be experienced since the Great Depression . This article largely lies its basis on the U.S experience during that period with the effects, which resulted from the crisis in the overseas markets outlined. Also, the article brings an understanding of some of the conceptual underpinnings of the issues lying at the heart of the economic crisis. The underlying causes of the economic crisis ...

Question 1

John Wooden’s Pyramid of Success is still applicable to the current business environment. The pyramid named loyalty, team spirit, condition and skill present in the team. These attributes are essential to today’s business environment as they help nurture the relationship between the firm and its clients. The Pyramid of Success is applicable not only to basketball where Wooden was a coach but also in our day to day live. Through Wooden, we learned that the end is always a result of our doings and misdoings. Therefore, businesses that want to prosper in the long term should not ...

Article Review

Article Review

The motor vehicles industry in Mexico is facing a jolt due to the fall in demand from Europe, Latin America and Asia. The economic slow-down in these areas have reduced demand for cars and light trucks whose production has fallen by 4.1% in February this year from the previous year. But there is the brighter side as well. Though the world outside North America is under recession the USA is experiencing robust growth with the job market faring quite well. This is reflected in the 75 per cent of export of the auto industry of Mexico finding ...

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 ...

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 ...

Bitcoin is purely peer-peer electronic cash that makes it possible for online money payments to be remitted directly from one party to the other without having to go through financial institutions. With bitcoin, digital signatures are considered part of the solution but the problem arises when the trusted third party is needed to curtail any form of double spending. The solution to this double spending lies in bitcoin; this is because it timestamps transactions by hashing them into a hash-based work proof. This makes it form a network that will not be altered unless the proof-of work is redone. Bitcoin has ...

Editing Form

Use this form and the paper of your choice (not yours) and email them to me . You will be graded on whether or not you know if the papers are cited correctly and if you can recognize the use of first or second person and contractions. Answers must be clear yes or no.

Grammar:

Use of First person: No
Use of Second person: No
Use of contractions: Yes
Complete sentences: Yes

Citations: Yes

All information is cited: Yes
All citations in the paper are on the works cited: Yes
Length (is the paper 3 full pages plus a ...

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 ...

Managed Competition

The article is about health reform in the United States. According to the author, one of the failures of the government of barrack Obama is the failure to reform the health care regardless of the fact that he had promised to make changes in the system. There are many people who die in the United States who should not have died. It is argued that most of the people who die are those who have no health insurance cover. The candidate had promised to come up with a method that would ensure that the entire citizen is covered. According to ...

(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:

The article investigates how human capital investment affects distribution of wealth in short as well as well long term in various economies. The article reflect current credit market pattern and individual investment in gaining competencies and knowledge to perform labor which impact wealth distribution. The article further investigates per capita output differences in various countries and also examines differences in various countries economic to adjust variation in earnings distribution and wealth.

Introduction:

The Article “Income Distribution and Microeconomics” by Oded Galor and Joseph Zeira provides a detailed explanation on how distribution of wealth influence economic activities in short term and long ...