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    Essay Describing Work Experience

    Please describe your direct experience with municipal bond financings. Include what capacity you were involved in these debt transactions. Your answer should provide a clear picture of your role during the debt issuance process. I have taken active part in the issuance of municipal debt in the capacity of financial advisor, especially when it came to tax-backed and taxsupported bonds. The security for GO bonds is the general creditworthiness and the taxing power of the state or local government issuing the bonds. Most municipal governments depend largely on ad valorem (to the value added), or value-based, property taxes for their revenues. State governments, however, usually do not levy real estate…

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    Price Elasticity of Supply and Demand Essay

    In the economics of air travel, the term “elasticity” is used when describing the “price elasticity of demand.” That ratio is defined as the percent change in quantity of air travel in response to a percent change in the price of air travel. For example, in a given city pair, if a 10% increase in the price of air travel caused a 10% reduction in the number of passengers, the price elasticity of demand would be -1.0. The ratio usually vary by market segment, trip purpose, and other factors. Elasticity is also influenced by the availability of substitutes to commercial air travel – fir example videoconferencing, bus, car, train, private…

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    Essay about Promissory Note

    Promissory note is a negotiable instrument that contains a promise to pay a certain sum of money to a named person, to that person’s order, or to the bearer at a specified time in the future. It must be unconditional, signed by the maker, and delivered to the payee or bearer. They are widely used in the USA but are not common in the UK. A promissory note cannot be reissued, unless the promise is made by a banker and is payable to the bearer, which is unless it is a banknote. Mortgage loans (as in our case) are often evidenced by a promissory note executed by the borrower in…

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    Investment Gurus: Compare and Contrast Essay

    In this essay paper I’m going to compare and contrast the approaches and techniques of two investment gurus of my choice. The criteria for choosing a person that can qualify for being a guru were as follows: he or she should have outstanding performance against the standard market indicators and at least a five year track record, plus be a leader or chief theoretician of a movement. Looking through the biographies of a number of well-known “gurus” I decided to focus on Warren Buffett and Peter Lynch. These two figures are well-established in the world of investment and are believed to be the greatest investors of all times. Warren Buffett…

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    Wachovia Corporation Essay

    The main point of my essay is to describe one of the largest banks of the USA. For this reason I chose such commercial institution as Wachovia Corporation. Wachovia Corporation is one of the commercial banking giants of the United States which also include such institution as the Bank of America and Citigroup. The corporation was established in 2001 when former Wachovia Corporation and First Union Corporation merged together into one organization. Headquarters of Wachovia Corp. is situated in Charlotte, North Carolina. The company is considered to be so large due to its operation not only inside the USA, but also around the world. Wachovia has 3,900 financial centers located…

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    Executive Summary Essay

    College students are important target market by virtue of the sheer size of the population and their potential as relatively higher-income consumers upon graduation. The automotive industry must therefore engage in learning students’ preferences and appeal to them with the aim of securing sales and creating brand loyalty. This study investigates some key characteristics of college students as consumers and offers insights into their needs, wants, priorities, preferences and value perceptions. The sample used in our survey (n=100) had a mean age of 22.5 (SD=1.5), 58% of which were males. Car ownership history was rather skewed, with an average of 2.1 cars previously owned by the time of the survey,…

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    Financial and Accounting Outsourcing Essay

    Introduction Outsourcing has long been one of the leading trends in the global labor marketplace. Usually associated with manufacturing and IT industry, outsourcing is now spreading more quickly to finance and accounting. More and more companies prefer to entrust their financials to the expertise of overseas professionals in an attempt to receive the services typically performed by local professionals for a lower cost. F&A outsourcing is certainly a viable alternative for small and start-up businesses using it as a way to survive. However, the nation should not encourage outsourcing as it takes away the jobs that would otherwise have been taken by US citizens. 1. F&A Outsourcing Market Today In…

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    Essay on Abolishing the Penny

    It became known recently that the United States of America may decide on stopping produce pennies due to the fact that the cost of the production of one such coin this year exceeded the nominal due to the cost of metals. This was reported by the U.S. TV channel MSNBC citing an expert on North American coins. “Soon pennies disappear from circulation, if current trends persist in the economy” – said in an interview Robert Hogue, an expert of the American Numismatic Society. How MSNBC reports, the U.S. Mint for the first time said that the price of the penny production in the United States exceeds its nominal value. According…

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    Essay on Tips for Saving Money

    How to save money? Usually they say that you must investment 10 % of your income. And many of us even tried to do it. However, only each third has ever managed to save some money on such simple things as furniture or a car. If it comes to investment, there is an approximate ratio is quite depressing: one to twenty. The main reason is that the tips for saving money are devoted to convincing people of the usefulness of saving money. Okay, half of those who read the book or article, agree that the saving is useful. And the question arises, how, in fact, to do it? That is…

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    Essay on My Financial Goals

    Free Essay on My Financial Goals: Basing on today economic situation and the fact that social security and retirements from the government are no longer guaranteed, I realize the importance of setting goals and looking towards my financial security for the future now. Like most other people I would like to feel secure with my finance, having a decent living place of my own, a good car, medical insurance, and possibility to spend my free time the way I like it. Within the next five years and I plan to secure a job in the field of nursing. I realize the significant demand of personnel, especially nursing one in the…