Enrol’s downfall: unethical choices

“What’s he building in there? What the hell is he building in there?” rings the opening lines of the documentary Enron: The Smartest Guys in the Room. These lines portray the mystery and ambiguity that surrounded Enron through their 16 years of operation as a wholesaler of gas and electricity. Enron’s famous tagline “ask why” … Read more

Financial management questions & answers

1. Identify three current asset investment policies and describe how effective each is at matching a firm’s working capital needs. a) Which approach is most effective varies from firm to firm. The cost of short-term debt is generally lower than that of long-term debt. But short-term debt is riskier for the borrowing firm. One plus … Read more

Household dept

In United Kingdom(UK), in March 2012, total household debt stood at £1,518.5bn in today’s prices compared with £1,630.1bn in March 2017. So in the past five years household debt has increased by an inflation-adjusted rate of 7.3%. (Inman and Barr, 2018) As of December 2017 average household debt is 57,830 pound and this figure is … Read more

Tax Planning Through Your Investments

NB: This post is a student essay, not personal / professional tax advice. Whilst everyone’s circumstances are unique, there is a common objective for most people who have a high net worth to want to maximise investment return whilst minimising tax liability. Would you not agree? Well you can tailor your investment strategy to meet … Read more

Financial Crisis

A financial crisis occurs when a panic or a fear of the panic affects the overall functioning of the financial system (Metrick and Geithner, 2015). This is marked by the failure of banks, and/or the sharp decrease in credit and trade, and/or the collapse of an exchange rate regime, etc., generating extreme disruption of these … Read more

Contrarianism

INTRODUCTION   Contrarianism and being a contrarian is challenging because it requires patience, conviction, hard-work and being able to withstand the challenge of appearing to be wrong in the short term. Sir John Templeton’s quote define contrarianism as: “To buy when others are despondently selling and to sell when others are euphorically buying takes the … Read more

The concept of accountability in the public sector

The concept of accountability in the public sector stems from the use of delegated authorities where the supervisor holds the subordinate accountable, and this evolves into a principle of ‘democratic chain of delegation’ where citizens hold executives accountable (Strom, 2000). While the meaning of accountability has been broadened to normative and value-laden domains, its framework … Read more

Increasing AOW-age

According to the latest schedule, as approved by the Dutch Senate as of June 2015, the AOW-age will increase by three months each year in the period 2016-2018, and by 4 months in the period 2019-2021. This means the AOW-age will be 66 years by 2018 and 67 years by 2021. From 2022 onwards, a … Read more

Access to financial resources for the poor

Providing access to financial resources to the poor continues to be an important policy pre- scription in the literature even though the empirical evidence on impacts of credit constraint relaxations and expansion of credit options for the unconstrained in developing countries is mixed (Karlan and Murdoch 2009). To design effective policies that provide or expand … Read more

Influence of algorithmic trading on dispersion and market predictability

Technology is becoming more and more of an influential factor in the lives of ordinary people around the globe, and the internet has expanded in such a way that living without it has, in some countries, even become impossible. Currently, Artificial Intelligence and Quantum Computing are on the verge of breakthroughs and could potentially become … Read more

FINANCIAL RETIREMENT PLANNING

FINANCIAL RETIREMENT PLANNING: A STUDY AMONG MALAYSIAN WORKING ADULTS CHAPTER 1: INTRODUCTION 1.1 INTRODUCTION Chapter one aims to introduce the overview of the research topic. This study to examine the determinants of financial retirement planning among Malaysian working adults. This chapter will discuss briefly on the research background, problem statement, research questions, research objectives, and … Read more

Mutual funds

INTRODUCTION: A Mutual Fund is a trust that pools the savings of a number of investors who share a common financial goal. The money collected & invested by the fund manager in different types of securities depending upon the objective of the scheme. These could range from shares to debentures to money market instruments. The … Read more

Evaluating the Sources of Credit Risk in Commercial Banks of Nepal

Abstract The study was conducted to find out the significant differences between state-owned bank and private sector bank in the practice of measuring the sources of credit risk. This paper attempts to ascertain the perceptions of Nepalese bankers about the importance of identification practice of credit risk sources within the specific borrowers. The result of … Read more

FORECASTING OF SECURITY PRICES USING RELATIVE STRENGTH INDEX

“FORECASTING OF SECURITY PRICES USING RELATIVE STRENGTH INDEX (RSI)” AT SHRIRAM INSIGHT SHARE BROKER LTD ABSTRACT The relative strength index (RSI) is a technical indicator used in the analysis of financial markets. It is intended to chart the current and historical strength or weakness of a stock or market based on the closing prices of … Read more

UN – financial inclusion

.The United Nations General Assembly which is the main deliberative and policy making organ of the UN, on 25.09.2015 adopted a resolution for transforming the world by 2030 i.e. the Agenda for Sustainable Development as a plan of action towards eradicating poverty of all forms while recognizing the same to be the greatest global challenge. … Read more