Credit Essays Samples That Help You Write Better, Faster & with Gusto

Finance

About Collateralized Loan Obligations (CLO)
The new financial instrument in the industry that is backed by the pool of debts that often constitutes low rated corporate loans. These securities are similar to Collateralized Debt Obligations except for the different type of underlying loans pooled against the security issue. CLO’s were created with the objective of lowering the cost of borrowing for the businesses and also to reduce the risk of banks as the risk associated with underlying loans are distributed amongst the investors.
CLO’s payments are also made in tranches which are also known as cash waterfalls Continue reading...

Writing a letter to Visa

Kings International Manager,
PO Box 78037,
New York,
56th street.
Public Relation Manager,
Visa International – USA,
PO Box 8999,
San Francisco,
CA 94128-8999.
Dear Sir,
I would wish to express my appreciation for the excellent services you offer to your clients especially those who engage in business. I have learned of your services through friends and associates who use your exceptional services frequently around the globe. Your services are effective, reliable and accessible from every corner of the globe. This has made business transactions efficient and successful. Therefore, one does not need to worry about carrying tangible cash all Continue reading...

The presentation by Professor Hans Rosling provides interesting trends and facts that can be vital in determining one's personal financial success for the next 25 years. According to Professor Hans Rosling, almost all the countries were at the same level in terms of development 200 years ago. All the countries were poor, ravaged by sickness and diseases, and the life expectancy was below 40 years in all the countries. The decision by Western and European countries to embrace the industrial revolution was critical in propelling these countries to greater development heights leaving other continents like Asia and Africa behind. Continue reading...

Background Information

There are over four million registered small businesses that are owned by people from minority communities in the United States of America. Since 2007, these businesses have provided employment opportunities for over 4.5 million people. Additionally, the small businesses owned by people from minority communities have generated over 660 billion dollars in terms of revenue (Minority Business Development Agency, 2010). Many of the studies on entrepreneurship focus on the success of businesses even though little information of business failure exists (Arasti & Zandi, 2010). By inference, an individual’s knowledge on entrepreneurship is incomplete if it lacks the acknowledgment of Continue reading...

ANALYSIS ON COLLATERALIZED LOAN OBLIGATIONS AND ITS INFLUENCE ON THE ECONOMY

Financial institutions offer securities that are backed by a pool of debts mostly those that have low-interest rates. These financial products are called collateralized loan obligations (CLO). Collateralized loan obligations play an important role in influencing the economy. This is through the buying and selling of structured debt instruments by the investment banks and other financial institutions. The CLOs are popular since they can meet the desires of different investors in the economy. Both the conservative and high-risk investors are able to find the suitable debt for them since the tranches are tailored to meet their needs (Hunt 2002). Continue reading...

Mini Case: Emerging Market Carry Trades

The world faced the economic crisis at different period of time. After the global economy suffered the depression arising from the credit crisis in 2008, the governments of America and European country injected a huge quantity of capital in their economy or financial system. During the period of crisis, the central bank of Europe and America reduced their interest rate to the lowest possible level. This step was taken so that they could maintain the certain liquidity level in the market so that the weak banking system of the country would not fall into the prey of credit crisis Continue reading...

Undeniably, there has been constant change in the way higher education is carried out. The change has led to questions on the future of higher education to be raised. In 1993, the scientist made the internet widely available to the higher learning institutions; thus changing the ways in which higher education was carried out. As a matter of facts the introduction of the internet changed everything in higher learning institutions, as well as in the lives of the professors and students. However, it is only far little changes that have occurred in the field of education both in the Continue reading...

Introduction

As the business activities are expanding all across the globe, managers find it difficult to surpass the intense competition in the global marketplace. One of the pressures they face these days is the manner in which they communicate the business’ financial performance through the different statements they prepare. This is normally true for financial and accounting managers who are required to report the business activities while complying with global reporting standards.
Different users of financial statements of an organization include different stakeholders like investor (both existing and potential), financial institutions, government entities, suppliers/vendors, general public and competitors . They use Continue reading...

Mint’s revenue model is based on lead general referrals. In this case, the company makes money by connecting its customers to numerous financial institutions across USA and Canada. It is paid depending on the credit card offers, reporting, account brokerage, as well as insurance and mortgage. The company helps its customers to track the credit cards, loan transactions, bank transactions, and balance from single user interface. Acting as an intermediary in all these transactions necessitates a commission from the financial institutions payable to Mint.com. The more access is done through the company’s user interface, the more commissions Continue reading...

Analysis of the banking systems of different countries shows that, in parallel with the development of the universalization of the growing trend towards specialization of commercial banks. In countries with developed market economies, including those which have a universal structure of the credit system, important places (despite a slight decline in their number) occupy specialized banks. Of these, the most interesting are the investment banks and credit institutions with specific tasks associated with the implementation of national interests.
It is considered that the investment banks emerged in the early 20th century, but the company, which they were later appeared Continue reading...

Assignment 1: Full Disclosure in Financial Reporting – Verizon Communications

Assignment 1: Full Disclosure in Financial Reporting – Verizon Communications

Section 1 - Disclosure Requirement on Accounting Policies

Policies and procedures used by any business entity in preparation of its financial statements are known as accounting policies. Such policies represent procedures, methods or even measurement systems employed in the presentation and design of information in financial statements . Disclosure requirement provide a proper and detail understanding about the financial information contained in the financial statements. Such type of disclosure provides an insight into the management style of reporting earnings, whether aggressive or conservative. This disclosure of accounting policies is also made to ensure that no misleading policy is used Continue reading...

INDUSTRIAL DIVERSIFICATION OF QATAR

References11
Abstract
Since early 1970s, the huge increases in revenue from petrochemical sales have led to Qatar's total dependence on oil as the main player running the economy. Although, to date, it is still reliable and has succeeded in raising the living standards of the public as well as make certain the State has enough to spare, recent studies revealed that oil reserves are limited. Over-dependence on oil at the current rates of production will soon exhaust the reserves.
At the beginning of the 21st Century, the Qatar government began enacting policies that will divert the countries reliance on Continue reading...

Computer, digital or cybercrime refers to criminal activity that emphasizes the role of technology (computers or computer networks) in its commission. Computer crimes can be divided into the following four broad categories: crimes that target computers; crimes that use computers as an instrument; crimes where a computer is incidental to the crime; and crimes associated with the prevalence of computers.
Hacking or the unauthorized access of a computer of network is the classic example of crimes that target computers. The criminal aspect of these crimes is that the computer, in essence, is the victim of the crime; it suffers Continue reading...

Banking is one of the biggest industries worldwide. The efficiency of the banking sector determines economic growth of a country. Banks serves as a medium of transferring funds from lenders to the borrowers; the medium in which these funds are invested determines the social risk of a client. In Portugal, private clients account for 55.6% of the total credit given by the banks.
After nationalization of banks in Portugal in 1975, Bank of Portugal was the head bank. Recession soon crept in the economy and to tackle it in 1990 restructuring started with the Financial Investment. The Spanish influence Continue reading...

Institutions:

Introduction
Central banks play a crucial role in stabilizing an economy. That is through the application of monetary policy tools that controls money supply. In that view; the bank can apply the tools to address economic problems in different business cycles. To analyze the tools application, this essay seeks to demonstrate how the bank applies the tools and their application in the modern financial systems. That is achieved with reference to the UK banking system that is assumed to have ability to supply money by relying on liabilities. That would satisfy the increase or decrease in loan demand to Continue reading...

Aregak is a micro credit institution based in Armenia. It has worked with the people in providing small loans to majority of the poor citizens in the country. The organization provides loans without asking for any collateral to secure payment, as is the case with other financial institutions. The main reason Miriam chose to offer loans with no collateral was that she was serving a minority group. Most of the loan beneficiaries were women who owned little property. They would thus not afford to provide any security for acquiring a loan. The poor people could only collateralize assets that Continue reading...

Abstract

An initiative by the American Nurses Credentialing Center (ANCC), Magnet is a recognition program that identifies healthcare societies that show outstanding patient care. Further, the program seeks to recognize important inventions in the nursing profession and practice. Additionally, it is believed to be the leading source of successful nursing practice and strategies worldwide. For that reason, consumers and patients depend on magnet’s decision to know the healthcare with the high credited nursing for patient care. Thus, the rush, which is driven by desire for healthcare organization in seeking recognition by Magnet.
The history of magnet status dates back Continue reading...

The GMU Honor Code states that presenting somebody’s ideas, thoughts and opinions as one’s original without the proper acknowledgment work comprises plagiarism. Academic sites also states that any work obtained from them without proper citation comprises plagiarism. The sites which provide students with these academic materials also say that any work that the students obtain from them should be properly cited and acknowledged. The GMU Honor Code discourages cheating of any cases by its students. Cheating may involve purchasing or attempting to purchase academic materials from any source. It includes individuals, libraries or academic sites. Academic materials Continue reading...

The statement that “athletics industry is highly profitable” can be looked upon from several perspectives. First, “athletics industry” is an umbrella term which covers a wide range of this industry segments\sectors. Different sectors, e.g. fitness centre and sports equipment manufacturer, will have different profitability, and as the investment decisions are sector-based, the evaluation should be limited to the specific sector. By Sageworks definition, most profitable industries are those which show net profit margins of 10-20%, and provide rather services than products which allow them keeping overhead costs low and profit margins more predictable. The Bloomsberg industry benchmarks for Continue reading...

Section 1

My priority in the short term lies in affording myself opportunities to gain expertise and experience in finance and management, which I can leverage in the subsequent years to build a successful career. To this end, I intend to start out in an industry that is both demand and draws directly on the principles, concepts, analytical tools and methods that I have gained in my course. I hope to start out in the banking industry, but specialize in real estate financing and investment. The banking industry will allow me to utilize the financial analysis tools that I have already Continue reading...