Banking Essay Topics and Prominent Sample Papers

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

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Part 1

The united states green building awards using a ranking method known as LEED, an acronym for Leadership in Energy and Environmental Design to rank building in relation to how well they incorporate these standards into their building design. The LEED system is a useful benchmark in the architectural field by offering guidelines to the designers and builders of building on the guidelines and the levels of compliance they should strive to achieve. LEED measures projects compliance in attaining green building requirements such as reduced impact on the environment by buildings, efficient water use and recycling, and use of sustainable

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First Place Fund’s Objectives

First Place Fund has 5 main objectives. The organization’s first objective is housing stability to former foster youth. Its second objective is to provide economic security to the program participants. The organization believes that for former foster youth to maintain housing, they need to engage in wage employment that pays them a wage that matches the cost of living. Its third objective is to provide educational attainment to former foster youth. The organization is of the opinion that financial success is based not only pegged on having wage employment but on other factors, as well. To ensure transitioning

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Banking system has undergone tremendous changes in the world. It is worth nothing that banking begun with the banks of merchants during the ancient world. There is various evidence that have been found in the world that show the presents of banking systems during the ancient times. The banking system has undergone a lot of changes and with the advancement of technology and globalization banking is currently at its digital stage. Customers in the modern world can carry out transactions through secure websites that are operated by virtual bank, retail bank, as well as credit union. The banking system

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Question 3

“Why was the economic depression of the 1930s so severe? Outline its causes and discuss its effects, both economic and political, with reference to two national economies. Consider also the question: would the ‘Great Depression’ be possible today?”
A depression is an economic state that results from a lengthy period of adverse economic activity as measured by the GDP. Therefore, it is a prolonged and severe downturn in the economic activity. Increases in unemployment, diminishing output, reduced commerce and trade, a drop in the available credit, bankruptcies as well as sovereign debt defaults, and sustained volatility in the currency

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Scenario One

Sebastian commits this offense when he dishonestly buys business class tickets with the intention to sell them. Evidence of further dishonesty is illustrated by his travelling in economy class while the company records indicate that he travelled in the business class. Though no harm results to the company, the case of Attorney General’s Reference (No.3 of 2003) held that the key determinant in the offense is the conduct, not the results. Accordingly, Sebastian has committed the offense regardless of the outcome of his conduct.
However, it may be difficult to prosecute Sebastian; because his official capacity at the

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Answer 1

Annual expenses will reduce when the new system is implemented. This will be based on several cost savings due to increase in efficiency. The first saving is that of amortization and support of the current system. Total savings in this case will be $ 301,000 and $ 468,000. This is because the automated system will not require any support. Front end origination will not be needed. This will result in savings of $ 27,000. The other saving will be on the report and document imaging. Both the amortization and support will not be needed with the new system. This

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The formula for calculation of payment per month is PMT = P X (APR/n)/ [1-
(1+APR/n)^ (-ny), where p is loan taken, APR is rate of interest is always equivalent to 1

Payment in two different cases, first one normally and then consolidating all the loan

Amounts together and calculating the effective payment required to be done along with
Proper comparison between the two kinds. The objective of doing that is to hold a picture
About pros and cons of consolidation and why someone should go forward with
Consolidation. The situation is:
$15,000 with an APR of 8% for 15 years
$10,000 with and APR of 7.5% for 20 years
$

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Global Financial Crisis (2008)
Development and Effects of Global Financial Crisis (2008)

Gokay (2014) argues that the main trigger that caused the financial crisis of 2008 was the burst of the United States housing bubble that had reached its optimum in 2005-2006. During the last decade, the government had prompted banks to provide mortgages to people that were initially viewed as bad credit risks. The prices of the houses kept rising and this made lending institutions think that price trend would continue. They figured that if people were unable to keep up with the mortgage rates, their houses would

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Question 1

The federal reserve bank is a major institution in the American’s economy and society designed to offer financial stability by maintaining currency flexibility. The Fed as consistently played a significant role in the Untied States economy and monetary policy since its establishment. The Fed established in 1913, therefore, its the roles and regulations go back only to the early years of the 20th century. For instance, the Fed came into play when a harsh economic crisis started in 2008. During this period the GDP shrank, unemployment increased and millions of Americans were worried about their futures. It was

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Scenario One

Sebastian commits this offense when he dishonestly buys business class tickets with the intention to sell them. Evidence of further dishonesty is illustrated by his travelling in economy class while the company records indicate that he travelled in the business class. Even though no harm results to the company from his actions, the case of Attorney General’s Reference (No. 3 of 2003) held that the key determinant in the offense is the conduct, not the results. Accordingly, Sebastian has committed the offense regardless of the outcome of his conduct.
It is however imperative to note that it may

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Is the Federal Reserve Good For Business?

Federal Reserve System is the main banking unit of the United States. It was enacted under the Federal Reserve act in 1993.Its establishment was influenced by the need to address financial shocks in 1907. It is the central bank of United States whose role includes the supervision of commercial banks, government’s bank, and formulation of monetary policies and lender of last resort.

The main point of discussion is the role played by federal system in the United States economy. According to Daniel Indiviglio, Federal Reserve is the backbone of United States economy and why the economy has withstands

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Is Forgiving Student Debt a good Idea?

Tertiary education in America is expensive, and the economic situations are harsh such that students cannot access decent jobs to enable them, pay off their debts. President Obama is proposing a plan to forgive the student loan debt. The proposed plan Pay as you Earn will enable the borrowers of loan to make a contribution of 10 percent of their income, and after 20, years, one’s loan will be forgiven (cox 14). In doing so, it would ensure that billions of money in the form of student loan debt are forgiven regardless of what was borrowed. This program

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It may be a mere co-incidence or accidental turn of events that the theme, concept, content, genre and approach of two generically different kinds of books can have so much of close association. In order to appreciate this feature, an analytical study of the following two books was made.

1: Technical Book:

- Description: A supplement for undergraduate and Graduate Investments Courses.
- Publisher: Prentice Hall, 5th Edition (January 8, 2013)
- Language: English
- Paperback: 160 Pages
2. Non-fiction Book
- Publisher: W.W. Norton & Company
- Contents: 213 pages
- Language: English
3. Article 1
- Published: Wall Street Journal on

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Over the last several years, Qatar has experienced significant continuous growth in the high real GDP. This has been characterized by an expansion of about 4.30% in the last quarter of 2013. These growth rates of GDP in Qatar occur through the reports made by the Qatar Statistics Authority. Since 2004, the GDP growth rate in Qatar has stagnated at 4.0% but in 2008, the rates went to a height of 14.4%. However, towards the end of the same year, the rates declined of -23.2%. These aspects have largely contributed to the growth of Qatari’s into one of

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Answer 1)

Equity Financing:
Also known as risk capital, Equity financing refers to own capital invested by the entrepreneur in addition to capital raised from family, friends and angel investors.

Advantages of Equity Financing:

Expanded Capital Base:
The fund so raised during equity issue are used for Capital budgeting Decisions and to perform necessary Research & Development that are quintessential for a company’s growth which is possible only because of expanded capital base.
Though above discussed advantages may lure the company to go for Equity financing but the disadvantages it carry cannot be overlooked.

Disadvantages of Equity Financing:

Ownership Dilution:
The decision to accept equity financing leads to ownership

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Lending Institutions, Health Care, & Human Capital

Lending Institutions, Health Care, & Human Capital

Introduction

Many developing countries are emerging through their governments’ efforts in sustaining their citizens’ wellbeing. Also, many of them are seeking the assistance of the international organizations so as to support their political, social, and economic development. Such action was one of the Philippines’, as an emerging country, way to provide those supports. The country used the assistance from the World Bank and International Monetary Fund to improve their nation’s stability. This writing entails what the World Bank and IMF did to assist the country in their economy, politics, and their society’s

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In the early years of the 21st century, accounting scandals usually involved major private organizations such as Enron. However, all that changed when Federal Home Mortgage Corporation (also called Freddie Mac), the second largest financer of mortgages, came under the microscope of the authorities including the United States Justice System. The SEC believed that Freddie Mac had irregularities in its accounting procedures, and therefore, decided to investigate the mortgage giant. Freddie Mac was a government sponsored organization that came into being in the year 1970. The organization was set up to promote home-ownership, and, at first, Freddie Mac functioned

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Since the beginning of the economic revolution, the united states have experienced recessions at least, but none was severe or lasted as long as the great depression. It is only with the shift in the economy towards war armament in the late 1930s that the hold of the recession eased. Stock prices had been rising gradually since 1920, but in 1928 and 1929 their prices surged forward with average stock gaining over 40% in value. At the time, the stick was totally unregulated, and this led to a lot of margin buying as customers borrowed up to 70% of

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Introduction

Most business enterprises are normally creations of ingenious business minds that make difficult financial decisions in order to take the business to the next level. In most occasions, only businesses with spectacular principles and competitive managers have an edge over competitors thereby staying in a market. An important aspect of a business is its mode of financing which can either be equity or debt business financing. This paper gives a comprehensive discussion on the advantages and disadvantages of both equity and debt as business financing strategies. Additionally, the paper gives a recommendation on the decision of AMSC to settle

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12 Big Bucks Blvd

Molalla

Steve Johnson
1234 Wilson St,

Boring

Attention: Steve Johnson
Dear Steve Johnson,
The Bank Management wishes to inform you that there is a change to policy N° 32 of the Company’s Handbook. We know it is a cute idea to bring your pet at the workplace but we have come to realize that there are many benefits attached to the reasons we adopted a change of policy.
We are bound to deliver quality service to our clients and make them feel free; remember that not all clients who walk in the office like pets, even

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Criticisms of Payback and Simple Rate of Return Methods

Payback Period and Simple Rate of Return Methods are among the tools used in capital budget budgeting. Payback period measures the length of time to recoup an investment, while the simple rate of return method, also known as Accounting Rate of Return (ARR) provides the expected income for the entire life of a capital investment (Investopedia, 2014).

The formulas to calculate for these two methods are:

- Payback Period = Cost of Project / Annual Cash Inflows

Criterion: The project that has shorter payback period is deemed better.

- Simple Rate of Return= Average profit /Initial investment

Criterion: Choose the project with higher returns or exceeds the hurdle rate.

Although considered as the simplest method in appraising capital investments, one of the criticisms with the payback period method is it ignores benefits

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In the world today, there are several huge problems in the education world, and they are growing larger and larger by the year. One of these problems is bullying, and cyberbullying. This is a problem that seems to plague schools worldwide, and continues to be a prominent issue in the world today; there is little evidence that it is being effectively handled at this present time. However, there is another issue in the education world that is one of the largest, but seemingly ignored problems and that is a shortage of teachers. Interesting enough, it can be said that

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Web: http://www.theelucidators.org

Phone Line 1: 101-332-2211

Fax 101-332-2211
Introduction
Descriptive Information:
“The Elucidators” is a multi-purpose organization formed for the purpose of marshaling people with disabilities to discover their potential and engage in active politics. They research, identify, mobilize and create a database of all the people living with disabilities all over the United States for the purpose of aiding their campaigns to ascend to political power. The database so-created contains the disabled person’s name, gender, religion, country of origin, nature of the disability, political party affiliation and their desired political seat.
Alongside mobilizing disabled persons for political campaigns, they also plead

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Introduction

Finance and accounts are two different fields from each other and both of these fields are important from different standpoints in particular. Accounting is the name of recording the day to day transactions while finance is the name of articulating the accounting data and utilize them at a place from where the likelihood of earning would be on a higher scale.
The field of finance is full of different concepts and models and among them, the name of investment management is one of them. Investment management is basically a concept in which the investment of an individual or a

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Friendly Neighbor Bank and Trust is espousing a culture where employees put the customers as a top priority particularly, in customer service. This is rooted in its mission of “People first, profits second”. However, when it comes to enacting its values, it demonstrates inconsistency. This is evident when the company cut payroll cost in customer service and sacrificed delivering customer satisfaction, in order to meet profit objectives and please shareholders.
As an employee of the bank who recently attended seminars to align with the company’s values and mission, this inconsistency in action vs. values taught creates confusion and

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Ethical dilemmas do not have a direct response as one progress with the career. The exception to this is when the ethical dilemma involves the breaking of the law or profession regulation. Ethical dilemmas are entail situations of moral conflict and transgression between parties. In these kinds of situations, one has to choose a creative alternative to end the constant strive (Linzer 37).
In this issue, the ethical dilemma entails an overly dependent boss who takes all the credit from the worker. All the work that the group does credit goes to the boss and the manager. Sometimes the

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The National Australia Bank is one of the largest banks in Australia in terms of customer base and market capitalization and the sub-continent’s largest business bank. With operations spanning across ten countries, the bank boasts of close to 8.5 million customers both at consumer and business banking levels as well as more than 2.3 million wealth management customers. Due to its exceptional professionalism and expertise, the bank attained international recognition including an AA- rating by Standard and Poor. The bank has featured prominently among the most ethical companies globally. It has always endeavoured to improve its relationship with

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Introduction

This paper summarizes the key policies that were implemented by the United States Federal Reserve Bank in the period between 2008 and 2010. This time period under review presented a unique economic environment for the Federal Reserve and the US economy as a whole, due to the Global Financial Crisis which begun in the second half of 2008. This paper seeks to understand the key decisions that the Fed took in averting the deepening of the crises, and in steering the economy back on the right course. By and large, the decisions taken by the bank are to a

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Ref:

Introduction:
This memo communicates on a literature review conducted on the ‘Effectiveness and Efficiency of Air Traffic Control Mechanisms with Increasing Flight congestion in Dubai Aerospace’. The abstracts indicate preliminary findings on the subject matter after a review of relevant literature on the subject.

UAE AIR TRAFFIC MANAGEMENT STRATEGIC PLAN - 2030

United Arab Emirates (2012, November 30). UAE AIR TRAFFIC MANAGEMENT STRATEGIC PLAN - 2030. Retrieved February 25, 2014, from https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&ved=0CCUQFjAA&url=http%3A%2F%2Fwww.icao.int%2FMeetings%2Fanconf12%2FIPs%2FANConf.12.IP.60.6.1.en.pdf&ei=VOULU_LWGqeC4ASC84Bo&usg=AFQjCNFjLDNb7V9PTUM_bA63vOPA0UAnCQ&bvm=bv.61725948,d.bGE

Abstract

The implementation of advanced Air Traffic Management techniques in the UAE will lead to optimal utilization of limited air space resource. The strategic plan seeks to implement

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Summary of the article

The information on this article is centered on leadership and management. It explains their traits and roles in managing organizations. The article adds that leaders recognize their personal strengths and weaknesses while maximizing productivity by leveraging on their strengths and that of the staff in their organization. According to the article, leaders are concerned on the overall output and not whether they will get credit for their actions. This article contains this information in the backdrop of ethical lapses in pharmacies and their impacts on the entire healthcare system. Some of the impacts include shortage of pharmacists and increases

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The Crash of 1929

Stock market crash of 1929 was the result of one of the largest in the history of crazy speculation. Few years, anticipating the year 1924, the U.S. Dow Jones index, estimating shares of industrial companies fluctuated within a relatively narrow price range with strong pressure from sellers at every level reaches 110. At the end of 1924 year stock broke through this level, demonstrating the tremendous rise to 150 in 1925. Rise of the stock index warned about a few good years in the future. Since 1921, when the stock market was very depressed, and by 1928 the volume

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Introduction:

Bank of America is a Multinational Banking and Financial Services company headquartered in North Carolina. The Bank operates in 50 states of The United States and 40 countries around the world. The corporation came in news when it bought Merill Lynch during the financial crisis of 2008 and made it the world’s largest wealth management company. However, in order to undertake an indepth view of the corporation’s financial health, we will be conducting ration analysis of its financial statements.

Ratio Analysis

Regulatory Capital Adequacy Ratio Analysis:
Capital Adequacy ratios are calculated specifically for the banks and financial institutions. The

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Central Financial Protection Bureau: Roles and Functions

Central Financial Protection Bureau is one of the new federal agency created during 2011 after its concept was included as part of Dodd-Frank Wall Street and Consumer Protection Act. In the wake of financial crisis of 2007-08, where many investors were left bankrupt after they invested in risky products without even understanding the nature of the investment, it was important for the federal government to establish an agency that could regulate financial products and also have supervisory powers to protect the consumers. CFPB has the responsibility to oversee financial products and services being offered to the consumers. Infact, CFPB

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Business

Attracting customers to buy food from the restaurants is the key element in the food industry business. The ‘subway’ is one of the largest fast food chain restaurants that are adapting different promotion tactics to enhance their profits. The main tactic in managing the profits and maintaining the market share is to keep the prices of the products low and affordable. Good and quality food for the customers is the main reason for the success of ‘Subway’.
The ‘subway’ has the affiliations with the health associations in the United States of America and United Kingdom. These associations help the

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Which fund types are included Fiduciary Net Assets?

Financial assets of Chicago on Fiduciary net assets contains a number of funds, some of the funds included under assets are cash and those funds that are equivalent to funds. There are liabilities where voucher warrants that are payable and security lending. Finally, funds accounted for an agency along the normal statements (David, 2012). The sum gives the net position of held trust of employees and the total of net position.

Do Agency funds form part of the Statement of Fiduciary Net Assets?

The statement on fiduciary includes agency funds. Besides the normal accounting statement, there are calculations on agency. Under the explanation of the statement, the additional elaborations on the

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Banks are an important sector of any given economy. It is in these banks that individuals and companies store their liquid assets. Liquid assets are of great importance to the economy. Once at the bank, the liquid cash can be used to develop the economy. The bank lends the deposited money to other parties which then use it to make other investments. This extension of credit to other customers helps to create money in an economy (Jeucken 55). The creation of money affects the money supply. Increase in the money supply in the market increases the people’s purchasing

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Background

In 2008, stock markets around the world tumbled like dominos around the world, exposing the vulnerability of global economic connections. It demonstrated that crisis in one nation, and resultant panic, can spread across the globe. This was recently demonstrated by how the US financial instruments, designed to spread and protect the risk by including all types of home mortgages, resulted in stock-market plunge the world over. To complicate the things further, the rating agencies, banks, and investors didn’t take into account the fall in house prices on which were dependent many fancy debt instruments. Consequently, as the wages

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Letter of Transmittal

Designation, Department Name
Dear Professor Name,
I hereby submit a report requested on ‘’Major Reasons for Financial Crisis of 2008’’. In order to provide an authentic and resourceful report, I have referred to some of the best academic and research resources.

Regards,

Introduction:
It has been 6 years now since the news of bankruptcy of Lehman Brothers shook the global financial world. The intensification of the global financial crisis following bankruptcy and dis-solvency of leading investment banks, corporations, commercial banks, etc. had made the economic and financial environment very tough for the world economy. By early 2009, whole of the

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The article’s discussion revolves around the advantages and a shortcoming of the farm bill dated 2014.The purpose of the bill is to act as a benchmark for implementation of reforms concerning subsidies in agriculture. Proper coordination in research and rural employment expansion are the central reforms. There are notable adjustments in the environmental protections in the bill.
The bill merits on several areas. Firstly, it safeguards the federal budget against misappropriations. The initial direct payments issuance to farming population has been cut-off. The payments initially acted as subsidies both in good and bad years. Subsidies during periods of

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