Three Interventions For Financial Therapy: Fostering An Examination Of Financial Behaviors And Beliefs, 2015 Florida State University
Three Interventions For Financial Therapy: Fostering An Examination Of Financial Behaviors And Beliefs, Rebekah J. Nelson, Thomas E. Smith, Victoria M. Shelton, Kristin V. Richards
Journal of Financial Therapy
Three interventions that address the emotional components of handling finances are proposed. Drawn from a stepwise model of financial therapy, the three interventions introduced here have the specific aim of incorporating the emotional attributes of traditional financial behaviors and beliefs. First, the Financial Genogram identifies family of origin issues that may affect financial behaviors; second, the Financial Landscape intervention is used when emotional stress occurs in collecting and examining financial documents; and third, the Financial Mirror broadens clients’ perspectives of their financial behaviors. Issues in future research and implementation of the Five Step model are addressed in treating financially distressed ...
Institutional Investors In Corporate Governance, 2015 University of Pennsylvania Law School
Institutional Investors In Corporate Governance, Edward B. Rock
This chapter of the Oxford Handbook on Corporate Law and Governance examines the role of institutional investors in corporate governance and the role of regulation in encouraging institutional investors to become active stewards. I approach these topics through asking what lessons we can draw from the U.S. experience for the E.U.’s 2014 proposed amendments to the Shareholder Rights Directive.
I begin by defining the institutional investor category, and summarizing the growth of institutional investors’ equity holdings over time. I then briefly survey how institutional investors themselves are governed and how they organize share voting. This leads me ...
Se(C)(3): A Catalyst For Social Enterprise Crowdfunding, 2015 Brooklyn Law School
Se(C)(3): A Catalyst For Social Enterprise Crowdfunding, Dana Brakman Reiser, Steven A. Dean
Indiana Law Journal
The emerging consensus among scholars rejects the notion of tax breaks for social enterprises, concluding that such prizes will attract strategic claimants, ultimately doing more harm than good. The SE(c)(3) regime proposed by this Article offers entrepreneurs and investors committed to combining financial returns and social good with a means of broadcasting that shared resolve. Combining a measured tax benefit for mission-driven activities with a heightened burden on shareholder financial gains, the revenue-neutral SE(c)(3) regime would provide investors and funding platforms with a low-cost means of screening out “greenwashed” ventures.
Pass-Through Valuation, 2015 Washburn University
Pass-Through Valuation, Robert M. Hull, David P. Price
The Journal of Entrepreneurial Finance
Noted scholars argue that (1) economic models of capital taxation have been inadequately adapted to owner-managed enterprises and (2) capital structure researchers have used the wrong models while also improperly measuring key variables. Thus, a model that can overcome these problems should be of interest to academics when teaching capital structure theory and practitioners when determining optimal debt levels. This paper contributes to capital structure practice by using a model that is adaptable to owner-managed enterprises like pass-throughs while also containing relevant variables that are measurable. This paper should be valuable to academics and practitioners in the following ways. First ...
Finding A Financial Planner, 2015 University of Massachusetts Boston
Finding A Financial Planner, Emily G. Brown Jd
Pension Action Center Publications
This fact sheet provides information on how to find the right financial planner to help you meet your retirement planning goals. This fact sheet suggests things to consider prior to picking a financial planner and answers questions like:
- What do financial planners do?
- How do you know if you need a financial planner?
- How do you find the right financial planner?
- What type of professional title does a financial planner have?
Investors Dilemma, 2015 University of Dayton
Investors Dilemma, Adam R. Marasco
Walk the Talk Case Writing Competition
The case shows an ethical dilemma with Angel investor Arthur Vandelay. His Angel fund has the choice to invest in two different businesses. One was started by a Stanford MBA who may have obtained the idea for the business unethically. The other is run by a hardworking man from Pittsburgh who needs this money to keep his business alive and provide for his family. The Stanford MBA clearly has the better business and Vandelay is the deciding vote. He faces a dilemma on whether to invest with his head or go with his heart.
The Creation And Destruction Of The Great American Middle Class (1930-2010), 2015 Loyola University Chicago
The Creation And Destruction Of The Great American Middle Class (1930-2010), Stanley F. Stasch
School of Business: Faculty Publications and Other Works
This course is an economic history of what happened to ordinary American people and families from about 1930 to 2010.
From the late 1940s to about 1980 ordinary people and families in the United States enjoyed a tremendous increase in their prosperity and quality of life, especially when compared with the conditions that existed during World War II, the 1930s, and before. That prosperity was undoubtedly the highest the world had ever experienced. Because of that, those people are referred to as the great American middle class, and that 30-40 year period witnessed the creation of the great American middle ...
Guide To Cheap Living: Living On A College Budget Without Selling A Kidney, 2015 Iowa State University
Guide To Cheap Living: Living On A College Budget Without Selling A Kidney, Rachel Vipond, Renae Meines, Riley Eleveth
Between textbooks, tuition, ramen and the electric bill, college students don’t have a whole lot of spare change lying around. Let’s face it: we’re broke. Whether you’re digging between your car’s seat cushions to come up with this month’s rent or checking your banking app obsessively, money is probably on your mind. Though the word “cheap” is generally associated with poorly made products and people who reuse Ziploc bags, when done right, cheap habits can save you time and leave you with some extra pocket cash.
The Relevance Of Economic, Institutional And Cultural Determinants For Venture Capital Investments. A Us-Europe Comparison., 2015 University of San Francisco
The Relevance Of Economic, Institutional And Cultural Determinants For Venture Capital Investments. A Us-Europe Comparison., Nadja Benes
This study analyzes the determinants of early-stage VC investments by identifying characteristics in the economic, institutional, as well as cultural framework that could explain the diverging levels of early-stage VC investments across countries. Data was assembled for 16 countries during the period from 1995 until 2013. The results indicate that countries that are more open to trade are associated with higher levels in early-stage venture capital. A higher unemployment rate negatively affects a country’s level of early-stage VC funds. Higher R&D expenditures as a proxy for the technological and innovation capacity in a country as well as a ...
Quick Cash, 2015 Iowa State University
Quick Cash, Matt Wettengel, Jordan Welch, Kait Mckinney
It’s mid-spring semester: That Christmas cash is long gone, bills are still due and spring break is on the horizon. Some major decisions lie ahead, and sorting the crumbs from the change at the bottom of the couch won’t cut it anymore. Should you eat or hit the bars? Or sacrifice both and save that money?
Innovation And Entrepreneurship A Panacea To Crisis, 2015 Seoul National University
Innovation And Entrepreneurship A Panacea To Crisis, Emmanouil Alexander Zografakis
Emmanouil Alexander Zografakis EZ
The beneficial effect of innovation and entrepreneurship on crisis management can be easily highlighted taking Greek financial crisis into account. That specific crisis has paved the way to a new enterprising era, characterized by high instability, making the dream of growth potential speculation to be vanished into thin air. Thus, the process of management, planning and setting of targets is liable to come to a standstill. On that occasion, only the balancing of quality and cost can lead to manufacture that can be deemed to be “value for money”.
Volatility And Risk Management In European Electricity Futures Markets, 2015 Dublin Institute of Technology
Volatility And Risk Management In European Electricity Futures Markets, Jim Hanly, Lucia Morales
This paper estimates and applies a risk management strategy for electricity spot exposures using futures hedging. We apply our approach to three of the most actively traded European electricity markets, Nordpool, APXUK and Phelix. We compare both optimal hedging strategies and the hedging effectiveness of these markets for two hedging horizons, weekly and monthly using both Variance and Value at Risk (VaR). We find significant differences in both the Optimal Hedge Ratios (OHR’s) and the hedging effectiveness of the different electricity markets. Better performance is found for the Nordpool market while the poorest performer in hedging terms is Phelix ...
The New Synthesis Of Bank Regulation And Bankruptcy In The Dodd-Frank Era, 2015 University of Pennsylvania Law School
The New Synthesis Of Bank Regulation And Bankruptcy In The Dodd-Frank Era, David A. Skeel Jr.
Since the enactment of the Dodd-Frank Act in 2010, U.S. bank regulation and bankruptcy have become far more closely intertwined. In this Article, I ask whether the new synthesis of bank regulation and bankruptcy is coherent, and whether it is likely to prove effective.
I begin by exploring some of the basic differences between bank resolution, which is a highly administrative process in the U.S., and bankruptcy, which relies more on courts and the parties themselves. I then focus on a series of remarkable new innovations designed to facilitate the rapid recapitalization of systemically important financial institutions: convertible ...
Student Debt, 2015 Iowa State University
Student Debt, Mindi Price, Nguyet Bui, David Derong
On January 25, President Barack Obama presented the world with his State of the Union address, informing Americans what his national plans and priorities would be for the next four years. And once the topic turned to college affordability, he made a statement that piqued the interest of university students and faculty. “Let me put colleges and universities on notice: If you can’t stop tuition from going up, the funding you get from taxpayers will go down,” Obama said. “Higher education can’t be a luxury – it is an economic imperative that every family in America should be able ...
Two Essays In Financial Economics, 2015 University of New Orleans
Two Essays In Financial Economics, Kyle J. Putnam
University of New Orleans Theses and Dissertations
The following dissertation contains two distinct empirical essays which contribute to the overall field of Financial Economics. Chapter 1, entitled “The Determinants of Dynamic Dependence: An Analysis of Commodity Futures and Equity Markets,” examines the determinants of the dynamic equity-commodity return correlations between five commodity futures sub-sectors (energy, foods and fibers, grains and oilseeds, livestock, and precious metals) and a value-weighted equity market index (S&P 500). The study utilizes the traditional DCC model, as well as three time-varying copulas: (i) the normal copula, (ii) the student’s t copula, and (iii) the rotated-gumbel copula as dependence measures. Subsequently, the ...
Is America Still Free?, 2015 University of Rhode Island
Is America Still Free?, Connor P. Daigle
Senior Honors Projects
If we take a moment and observe our current societal landscape, we may be intrigued by what we find. If we paint a broad brush over the 21st century, we are engaged in war in the Middle East, we have allowed our politicians to purchase their seats in office, and have overcome two large economic downturns. The economic issues are the collapse of Enron, the world’s largest energy supplier, and the housing market collapse of 2008. How many know what actually created the housing bubble? How many know about Enron? How many American Citizens understand how our current ...
Cars For A Cause, 2015 University of Rhode Island
Cars For A Cause, Lauren Pagani
Senior Honors Projects
Cars for a Cause is a car show, ranging from modern European, Japanese, muscle, track-ready and a variety of other cars, which is intended to raise money for the charitable organization, The Alzheimer’s Association, which helps to find a cure for Alzheimer’s and Dementia. According to The Alzheimer’s Association, approximately 5.3 million Americans are affected by this disease making it the sixth leading cause of death in the United States. By hosting an event tied to this horrific disease that affects a large number of individuals and their families, the hope is to generate a larger ...
Corruption In Bank Lending: The Role Of Timely Loan Loss Provisioning, 2015 Singapore Management University
Corruption In Bank Lending: The Role Of Timely Loan Loss Provisioning, B Atkins, Y Dou, Jeffrey Tee Yong Ng
Research Collection School Of Accountancy
Building on the recent literature on corruption in bank lending, we examine the effect of country-level timely loan loss provisioning by banks on such corruption using a unique World Bankdataset that covers more than 3,600 firms across 44 countries. We find evidence consistent with timely loan loss provisions constraining lending corruption because it increases the likelihood of problem loans being uncovered earlier. This result is robust to using the tax-deductibility of loan loss provisions as an instrumental variable. In further analysis, we find timely loan loss provisioning less associated with reduced corruption in countries with deposit insurance schemes and ...
Measuring Financial Literacy: A Comparative Study Across Two Collegiate Groups, 2015 The University of Southern Mississippi
Measuring Financial Literacy: A Comparative Study Across Two Collegiate Groups, Emma Floyd
This study analyzed the financial literacy of students in the College of Business versus that of students in other colleges at the University of Southern Mississippi. The purpose of this study was to examine the relationship between demographic characteristics, financial literacy, and financial experience. The financial literacy of the students was assessed using a selection of questions from the Jump$tart Coalition Survey of Personal Financial Literacy. The financial literacy of the students was determined based upon the number of questions answered correctly on the survey; however, there was no passing or failing number. Instead, each demographic group was said ...
Two Essays On The Effects Of External Pressure On Executive Compensation: Evidenced Through Political Sensitivity And Pay For Performance Disclosure, 2015 University of Tennessee - Knoxville
Two Essays On The Effects Of External Pressure On Executive Compensation: Evidenced Through Political Sensitivity And Pay For Performance Disclosure, Brandy Elaine Hadley
This dissertation analyzes the impact of two external forces on executive compensation behavior. In the first chapter, the impact of political sensitivity is investigated as an external force on government contractor executive compensation. Compensation for top executives has come into the political spotlight, especially over the last decade, with many politicians publicly supporting limits on compensation. However, the impact of political scrutiny to limit compensation is debatable. This study analyzes the effect of political scrutiny on CEO compensation using a sample of Federal contractors, which represents a group of firms where politicians yield the most power. Results suggest that Federal ...