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Conflict of Interest, 2007.
A discussion about conflict of interest in financial institutions, focusing on Qantas and Alinta.
2,067 words (approx. 8.3 pages), 7 sources, APA, $ 65.95
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Abstract
In this article, the writer notes that conflicts of interest are of great concern in recent years and months, especially since the recent, highly-publicized buyouts involving Qantas and Alinta. The writer points out that in efforts to protect clients and mitigate risk in the financial sectors, conflicts in interest must be addressed suitably. The Qantas and Alinta buyouts have highlighted many of the worst issues pertaining to conflicts in interest in financial institutions. This paper seeks to review the existing literature concerning conflicts of interest, outlining the key terms and issues involved. It additionally covers the recent transactions and conflict of interest issues related to the Alinta MBO and Qantas Private Equity Deal. Finally, it turns to the views of the takeover panel, highlighting their views on conflicts of interest and, more specifically, their views on the Alinta MBO and Qantas private equity deal transactions.
Outline:
Introduction
Analysis
Background & Definitions
Evaluation
The Alinta MBO and Qantas Private Equity Deal
Background & Discussion
Possible Conflicts
The Takeover Panel and Conflict of Interest
Summary
From the Paper
"Conflicts of interest often shock shareholders and the general public since they often blatantly ignore the basic requirements and duty expectations of those involved. For example, a bank that abuses a conflict of interest by recommending services that they know are not the best for a customer comes under public scrutiny for abusing the basic trust assumed in a banking relationship. A bank may suggest such services because they receive a higher interest rate or because they do not offer competitive services. This takes advantage of the lack of knowledge of the consumer, who often looks to the bank as a trusted consultant. Individuals and investors have come to assume some trust in banking and finance relationships, and most would agree that this is not an unreasonable assumption."
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Bankruptcy, 2007.
This paper looks at the Interstate Bakeries' choice of bankruptcy and analyzes different types of bankruptcy.
1,023 words (approx. 4.1 pages), 3 sources, MLA, $ 36.95
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Abstract
In this essay, the writer discusses the filing for Chapter 11 bankruptcy reorganization by Interstate Bakeries, the maker of well-known food products such as Twinkies and Wonder Bread. The writer explains that although Interstate had several options at its disposal to reduce debt and generate cash, ultimately Chapter 11 bankruptcy allowed Interstate to address its debt and cost problems without having to mortgage the company's future through overly deep cuts or sell-offs. The writer then looks at different types of bankruptcy and discusses the alternatives that were available to Interstate. The writer concludes that by filing Chapter 11 bankruptcy, Interstate was able to get a handle on its costs, alleviate its debt, and emerge as a stronger and more stable operation.
Outline:
Types of Bankruptcy
Alternatives to Chapter 11: Pros and Cons
Conclusion
From the Paper
"In a Chapter 11 bankruptcy process, the court and a company's debtors will approve a reorganization plan that, among other things, determines how much various creditors get paid. There are two classes of competitors: secured and unsecured. The secured creditors, such as banks, get paid first; the unsecured creditors, such as vendors, may get only pennies on the dollar. Chapter 11 sometimes allows companies to restructure contracts, such as union deals, which was a big problem for Interstate. At any rate, companies emerge from Chapter 11 with a much better debt and cash-flow picture."
"Municipal organizations, such as cities or school districts, have a form of bankruptcy similar to Chapter 11, which is called Chapter 9 bankruptcy. Chapter 9 bankruptcy allows a municipal entity to restructure its debt and reorganize its operations, similar to Chapter 11."
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Alcoa Company Analysis, 2006.
An analysis of the Alcoa Company, a world leader in the production of alumina and aluminum.
2,792 words (approx. 11.2 pages), 6 sources, MLA, $ 83.95
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Abstract
This paper reviews, discusses and analyzes the Alcoa Company, one of the global leaders in the production of alumina, aluminum and the coordination of supply chains specifically for the natural materials used for creating these products. The paper reports that the company's center of operations is located in Pittsburgh, PA employing 129,000 people in over 350 operating locations in 42 countries. According to the paper, raw material prices are critical to the present and future profitability of Alcoa.
Outline:
Company Description
Company Analysis
SWOT Analysis
Industry Analysis
Global Aluminum Demand
Alcoa Financial Analysis
From the Paper
"Primary Metals. - This business segment of Alcoa generated After Tax Operating Income (ATOI) $480MM in Q4'06 vs. $346MM in Q2'06 and $242MM in Q4'05. This segment is benefiting year-over-year from rising aluminum prices and higher production offset by start-up costs at the new state-of-the-art smelter in Iceland and higher carbon and pitch costs that affect production costs. This specific operation of Alcoa is also heavily influenced by aluminum prices, and performance in this specific segment will also be heavily influenced by the efficiency of their supply chain."
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Cost of Home Ownership, 2007.
This paper uses consumer mathematics in everyday life to examine the cost of home ownership.
1,137 words (approx. 4.5 pages), 2 sources, MLA, $ 39.95
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Abstract
In this article, the writer discusses that a recent consideration of the idea of purchasing a double-wide, modular home brought about a greater knowledge of financial terms. The writer examines the terms percent, simple interest, compound interest, installment buying and the cost of home ownership. The writer concludes that after investigating the actual costs of buying a dream double-wide, the decision was made that given the additional costs and also the fact that most banks will not mortgage a double-wide, they are actually financially better off renting than buying the property. This paper is written from the first person point of view.
From the Paper
"The interest rate charged for obtaining a mortgage loan was of special interest. We wanted to get as low a rate as possible, to keep the bottom line for purchasing the home and property to the minimum. Six percent was what we wanted. If we put $20,000 down and the mortgage was for $180,000, on a 30-year, fixed rate mortgage, a six percent loan would come to $1,079 per month. This was assuming that we would qualify for a six percent mortgage loan. Upon checking out our credit scores, we found that we would have to pay closer to 7.8 percent, since we weren't in the top group of people who qualified for these low-interest loans."
"In order to understand our credit scores we needed to find out these scores were decided. We looked at our bookkeeping and at the interests we were paying on other loans and credit cards. We were amazed at how much interest we paid per year, versus how much we were actually spending. Simple interest is all the interest we paid during the last year."
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Positive Pay, 2007.
An examination of positive pay and its impact on check fraud issues.
2,546 words (approx. 10.2 pages), 6 sources, MLA, $ 77.95
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Abstract
The writer explores how a positive pay system can help reduce the incidence of check fraud for individual companies and corporations.
The paper examines shocking statistics of check fraud research and explains how positive pay works. The paper advocates the use of positive pay for a large corporation so they will detect counterfeit and unauthorized checks.
Outline:
Introduction
Some Facts
What is Check Fraud
Why Positive Pay is a Valid Option
Conclusion
From the Paper
"As the world of technology continues to increase, mankind has reached heights never before imagined. Today, with the click of a mouse one can plan and pay for vacations, manage stock portfolios, shop around the world and research any topic they are interested in. It has been a significant benefit to mankind, but with the positive aspects of technology also comes some negative aspects of its use."
"Check fraud losses are on the rise throughout America. In 1999 there was an estimated loss of $15 billion due to check fraud according to statistics compiled by the United States government(Statistics http://www.ipsboston.com/pdcfpps_statistics.htm). The losses were not confined to one or two financial institutions either. Reports indicate that 99 percent of all large banks experienced check fraud loss(Statistics http://www.ipsboston.com/pdcfpps_statistics.htm)."
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Aids, 2007.
This paper examines the fatal disease of acquired immunodeficiency syndrome (AIDS).
813 words (approx. 3.3 pages), 5 sources, MLA, $ 28.95
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Abstract
In this article, the writer discusses that although the AIDS disease is still not completely understood, what is known is that HIV infects the T-cells of the immune system, and as the body fights back, it is eventually overwhelmed. The writer notes that this leaves the body vulnerable to infections and cancers. The writer looks at symptoms and diagnosis of the disease. The writer concludes that in the 1980s AIDS was seen mainly in homosexual and bisexual men, however now the majority of new HIV infections are seen in drug users who share needles, and among women sexual partners of drug users.
From the Paper
"It is theorized that the virus passed from the blood of the chimps into humans through superficial wounds, since chimpanzees are hunted for food in this region, and that it may have begun as early as the 1930s."
"Although the disease is still not completely understood, what is known is that HIV infects the T-cells of the immune system, and as the body fights back, it is eventually overwhelmed, thus leaving the body vulnerable to infections and cancers. While some people develop flu-like symptoms shortly after infection, others have not symptoms, and it may be months or years before serious symptoms develop in adults, however infants who are infected in the womb or at birth will generally develop symptoms with the first two years of life."
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Power of Transnational Corporations, 2007.
This paper analyzes the power of transnational corporations.
847 words (approx. 3.4 pages), 2 sources, MLA, $ 30.95
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Abstract
In this article, the writer discusses that even the richest and most powerful nations need economic productivity and cash, so they find ways to cooperate with the interests of transnational corporations (TNCs). Fortunately, the owners and employees of these TNCs usually consider benefits to humanity as also beneficial to the company. The writer notes that many analysts consider the actual control of transnational corporations to be impossible. However, a large measure of control can be achieved by controlling the environments, (business, economic, legislative and political), within which TNCs do business. The writer concludes that problems only arise when ignorance rules or when personal greed overcomes reason.
From the Paper
"Beyond this, few states have the means to control TNCs beyond allowing or disallowing them. China has come as close as any member state, perhaps, because of its ability to apply its rules to its own corporations immediately upon making any decision. It is the nature of the absolute power of the state in certain areas. This factor has inhibited investment in China until they can establish a more constant rule of law. Corporations have gotten around this since China joined the WTO by negotiating binding agreements with the state. While there are other states with absolute power, none can approach the economic power of the PRC. That TNCs negotiate directly with the host countries without the need to go through their own government's state department or some other political power is indicative of the actual power these TNCs wield."
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Enron, 2007.
Discussion of the Enron Corporation's corruption, including who was responsible.
1,496 words (approx. 6.0 pages), 7 sources, APA, $ 49.95
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Abstract
This paper presents a background of Enron's corruption, tracing the corporation's history and looking at who is to blame for its ultimate lack of ethics. The paper describes how Enron went from a corporate culture that promoted ethical behavior to one that emphasized cleverness and skill. The author further discusses how this outlook eventually lead to the company's downfall. The writer believes Enron's leaders dictated the company's outcome through their own actions of unethical behavior. The author concludes with a personal approach of how one could react as an Enron employee.
Outline:
Background
Who are the Stakeholders?
Who is Responsible?
Penalties
References Cited
From the Paper
"The stock shareholders are the main stakeholders. That does not mean, however, that the books should be illegally manipulated. Shareholders "hold" faith in the company executives that they will do their best, ethically and legally, to produce the best results. Yet shareholders also know that stocks can and do go down; there is risk involved. The other main stakeholders are the employees, who were hit twice by losing their stock and their jobs. "
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Nevada Athletic Commission, 2006.
An audit report on the Nevada Athletic Commission.
1,030 words (approx. 4.1 pages), 3 sources, MLA, $ 36.95
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Abstract
This paper serves as an audit report of the Nevada Athletic Commission. According to the paper, the Nevada Athletic Commission (NSAC), first established in 1941, is a five-member body appointed by the State Governor for a three year term. It reports that the role of the NSAC is to regulate all contests and exhibitions of unarmed combat within the state of Nevada. This is accomplished through the issuance of licenses to hold contests or exhibitions where an admission fee is charged, and to contestants, promoters, boxers, seconds, ring officials, managers, and matchmakers who participate in a professional contest or exhibition.
Outline:
Brief Description of Nevada Athletic Commission
The Findings of the Audit Report
Why was the Audit Requested?
Who was this Audit Reported to?
From the Paper
"Due to lack of adequate guidance in the Commission's regulations and procedures, the process of computing and collecting the promoters' event fees has become overly complex. The complexity has resulted in the fees not being always computed correctly. For example, the report found that when determining event fees, regulations allow promoters to exclude complimentary tickets totaling up to 4% of the seating capacity, but the procedures in place do not provide sufficient guidance on how the exemption is to be applied. This leaves room for errors, inconsistency, and inaccurate calculation of the payable fee. As a result, some promoters paid more than the required amount while some others paid less. In one instance, the Commission had allocated the exemption to the most expensive seats, thus reducing the amount paid for an event; in other instances, two promoters did not get the complimentary tickets exemption for not having provided sufficient detail, while two others who had provided the same level of detail were allowed the exemption. The auditors, therefore, recommended a standard fee reporting form."
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Ethics in Financial Management, 2007.
This paper discusses morality in the financial management industry and the fall of global business giant, Enron.
3,007 words (approx. 12.0 pages), 7 sources, MLA, $ 88.95
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Abstract
The paper discusses how the Enron scandal encompassed a myriad of complex transactions involving mysterious partnerships that allowed Enron to book huge corporate profits and payments to insiders, while simultaneously ignoring any associated financial liabilities. The paper explores the topics of ethics and morality in the financial management industry, using the accounting scandal of the Enron case as a model of what financial institutions of today should not do. The paper also discusses briefly what actions the management at Enron could have taken to avoid the financial disaster that occurred.
Outline:
Executive Summary
Introduction
Enron's Fraudulent Financials
Ethics and Morality at Financial Institutions
Preventive Actions for Financial Institutions to Take
How the Enron Fraud Could Have Been Avoided
From the Paper
"In the past few years, several scandals involving the improper management of financial data have emerged; however, the fall of global business giant Enron in 2001 is the most notable. That same year, Fortune Magazine had selected Enron as the most innovative company in America, six times in a row (Canto, 2002). In just 15 years, Enron grew from nowhere to be America's seventh largest company, employing 21,000 staff in more than 40 countries. As a result of this widespread success, Enron was hailed as a new-economy company that would act as a business model for others to follow. However, also in 2001, Enron filed for bankruptcy, and it was revealed that the firms' success was really attributed to the fraudulent manipulation and unethical management of financial data."
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