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Papers On Accounting & Personal Finance
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A Life Cycle Analysis of Credit Cards
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This 24 page paper carries out an in-depth life cycle analysis of the credit card industry. The paper considers the background and development of credit cards and looks at the theory and application of the theory at the different stages; development, introduction, growth, shake-out, maturity and finally decline. The paper focuses on Diners Club as the first mover and Visa as the current dominant brand, but includes other brands and many examples of the theories of life cycle development and strategy in practice. The bibliography cites 11 sources.
Filename: TEccard1.rtf

A Look at Different Types of Budgets
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5 pages in length. Budgets are primarily based on history of expenditures and income as well as related items, and are also based on the future forecasts for such. Budgets, however, mean different things to different groups. For instance, an individual's household budget would be entirely different for that of a public sector budget. Likewise, the for-profit corporations have budgets that are based on different values from those of non-profit organizations. An excellent paper which also examines why caution must be used when comparing budget variance reports with the monthly reports of any organization. Bibliography lists 4 sources.
Filename: JGAbgets.wps

A Look at the Dual-Income Family
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8 pages in length. An interesting and enlightening paper that examines the history and research of the dual-income family and how it relates to the marriage partners, the workplace and the family. With the advent of dual-income marriages taking precedence over those with only one breadwinner, one would think the primary focus here is the financial one. Contrary to popular opinion, the primary concern in the dual-income family is the division of chores and the inner conflict as to who has the most important income in the house. Bibliography lists 9 sources.
Filename: JGAduinc.wps

A Look at the Growing Trade Deficit
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This 4 page paper examines the growing trade deficit in the United States. Whether or not it will continue and its impact is discussed. Some statistics are included. Bibliography lists 2 sources.
Filename: SA536trd.rtf

A Look at the Past and Future: Evaluating the Economy with Current Statistics
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This 7 page paper examines the current economy. This paper is broken down into two parts, one examining how current data is explained with an historic view and how the future economy can be predicted by looking at the present. Bibliography lists 5 sources.
Filename: SA633eco.rtf

A Look at the Subprime Market
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This 3 page paper examines this volatile market in modern times. Bibliography lists 3 sources.
Filename: SA811sub.rtf

A New Accounting System
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This 18 page paper considers the situation where a well known oil company may take on a new accounting system, activity based costing. The paper then looks at how this would be implemented and the influence it would have as well as the value it may add to not only the running of the company but to capital decision making processes. The second part of the paper then explores how the information produced by the ABC system may be used by different capital risk assessment tools. The bibliography cites 9 sources.
Filename: TEoilacc.wps


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