Essays on Personal Finance

Except for those parts in which it is explicitly stated to the contrary, this project is my own work. It has not been submitted for any degree at this or any other academic or professional institutions. ………………………………………...…… Signature …………………………… Date Regulations Governing the Deposit and Use of Oxford Brookes University Modular Programme Projects and Dissertations 1....

Credit risk is the process whereby a party may have a possibility loss due to the failure to follow financial contract terms and conditions (Bonsall et al., 1445). For instance, the inability of the investor to pay the loan and its interest. Banks as financial intermediaries are always exposed to...

1. INTRODUCTION The real estate market is an essential feature of the United Kingdom’s economy. The industry is the largest in the UK and the second largest in Europe after Germany. The market share is estimated to be around 250 billion euros. Foreign investors and developers view London as an ideal...

I agree that a balanced budget is critical and that the government should always have one. Having a balanced budget means that the government is free from debts. I believe that this fact is important as the government will be able to protect the future generations from accumulated debts in...

Have you ever wondered how it will be like to grow old? I believe that it is the hope of every individual; to live long and see his/her future generation. Well, there are many debates on the lives of older adults on some of the aspects of lives such as...

An example of a taken for granted assumption that people frequently make is the myth of “you have to spend money to make money.” While such a myth may sometimes be true, spending more money does not always lead to a positive return on one’s investment (Ainsworth, 2015). For instance,...

Most of us are faced with the question of how we would react if you were made a billionaire on a blink of an eye. Some of us will think about buying an expensive sports car with that lot of money to spare, others would think of buying an entire...

The stock market offers an excellent opportunity for both small and big investments. It is based on the ideology of buying stocks at low prices and selling at high rates with the aim of making profits. Because of the diversity of the market predictability, many investors may be tempted to...

The emergence of online banking The emergence of online banking brought change to the banking industry and made banking experience better for the customers since they can get access to the details of their bank accounts any time wherever they are through the website of the bank. Continuous advancement in the...

Do you think levels of pay contribute to Twitters success? I think the salary levels of Twitter have contributed to the success of the organization. Talented people in business are highly sought out given the contribution that they bring to the organization. They are the persons that are skilled in bringing...

Money plays a significant role in the economy. The purposes of money include as medium of exchange where money is used in exchange for goods and services. Money is also used as measures of value where it acts as a common denominator permitting every good or service to be priced...

a) Percentage change in the price of food and clothing for the 2004 and 2005 period. Percentage change in the price of food Change in food price $12-$8= $4  Percentage change=  X100%                                  = 50% The price of food between the years 2004 and 2005 changed by 50% Percentage change in clothing...