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Mission Statement
TechRepublic's ITPapers is the Web's largest library of free technical IT white papers, webcasts, and case studies. Covering IT categories including Data Management, IT Management, Networking, Communications, Enterprise Applications, Storage, Security and much more, TechRepublic's White Paper Directory is the best source for technical white papers and IT information.
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White Papers
7 Ways To Simplify Your Financial Life
Jun 2007
Too many accounts scattered among multiple providers creates a twofold problem: It's harder to track your investments, and you may be paying more in fees. Consolidating your investment accounts,...
Provided by Charles Schwab
-
White Papers
On The Road To Financial Bliss
May 2007
Goin' to the chapel and goin' to get married? Congratulations! As you embark on this exciting new phase of your life, be sure to discuss how you plan to budget, pay bills and get rid of any debt....
Provided by Charles Schwab
-
White Papers
Disaster-Proof Your Finances
May 2007
As the last few years have tragically demonstrated, natural disasters can strike at any time, in any place. Whether it's a hurricane off the Atlantic, an earthquake on the West Coast, or a flood,...
Provided by Charles Schwab
-
White Papers
Is A Roth IRA Right For You?
Nov 2007
When it comes to retirement savings, the Roth IRA offers unique retirement-savings benefits. First introduced in 1998, it provides no tax deduction for contributions, but your investments can grow...
Provided by Charles Schwab
-
White Papers
Can You Catch Up?
Jun 2007
Let's get the bad news out of the way real quick. The most important factor in determining whether you reach your financial goals is your level of savings. Just like your mother was right when she...
Provided by Charles Schwab
-
White Papers
Build Your Retirement Portfolio To Last
Dec 2008
If you're a conservative-to-moderate investor in retirement and want a high level of confidence you'll maintain your inflation-adjusted standard of retirement living for 30 years, the rule of...
Provided by Charles Schwab
-
White Papers
Generating Cash Flow From Your Retirement Portfolio
Dec 2008
It's usually better to sell long-term investments held in taxable accounts instead of taking money from your tax-deferred accounts before you have to. Withdrawals from traditional IRAs and 401(k)s...
Provided by Charles Schwab
-
White Papers
Saving For Retirement: IRA Vs. 401(K)
Sep 2008
Retirement was simpler when all you had to do was put in your time at work, retire and collect your check. Between the company pension and Social Security, most retirees figured they had it made....
Provided by Charles Schwab
-
White Papers
Baby Boomer Reality Check
Apr 2008
Evidently, there is a disconnect between perception and reality when it comes to how much we will need to spend in retirement and how best to fund that spending. It shouldn't be too surprising,...
Provided by Charles Schwab
-
White Papers
Don't Overpay Today For Growth Tomorrow
Nov 2008
Any list of long-term stock market winners is dominated by companies that grew Earnings Per Share (EPS) much faster than market averages. Therefore, the key to future portfolio success must be to...
Provided by Charles Schwab
-
White Papers
What About Cash?
Nov 2008
At times, depending on what's going on with the markets, the economy and interest rates, you might hear some financial gurus warn, "Cash is trash!" Other times, these market mavens might proclaim,...
Provided by Charles Schwab
-
White Papers
Building An Emergency Fund
Oct 2008
An emergency fund isn't just for lower-income people who live paycheck to paycheck - many high earners live close to or beyond their means, maxed out on credit card debt and with large mortgage...
Provided by Charles Schwab
-
White Papers
Are Stop-Loss Orders A Good Idea?
Sep 2008
Many investors find stop-loss orders (also called sell-stops) intuitively appealing. If you can limit your loss in any given stock to, say, 10%, then other stock holdings that provide large gains...
Provided by Charles Schwab
-
White Papers
Protecting Your Cash Assets
Oct 2008
Finding out your bank has failed is nerve-wracking, and once it has happened, there's not much you can do after the fact. However, with a little bit of planning beforehand, depositors can greatly...
Provided by Charles Schwab
-
White Papers
What Is The Statement Of Cash Flows?
Jan 2008
Think of cash as the lifeblood of every business. Without cash flow, no business can function - and without an accurate picture of cash flow, no investor can have a complete picture of a company....
Provided by Charles Schwab
-
White Papers
Do You Have A Reason To Sell?
Aug 2007
Most of us know it's a good idea to keep sufficient cash reserves for unexpected expenses and only commit long-term investment money to volatile markets. Ultimately, however, your portfolio is a...
Provided by Charles Schwab
-
White Papers
Inside Earnings: Quality Is Key
Jan 2008
After a rash of Enron-style accounting scandals, investors have become understandably obsessed with the quality of corporate earnings. After all, fortunes were lost. And when the economy slows,...
Provided by Charles Schwab
-
White Papers
Managing Your Mortgage
Jan 2008
For most of us, a home mortgage represents the single biggest liability on our personal net worth statement (your net worth equals your assets, or what you own, minus your liabilities, or what you...
Provided by Charles Schwab
-
White Papers
Borrowing Smart
Feb 2008
The liability side of your personal net worth statement deserves as much attention as the asset side. Just as a well-run business might wisely manage debt to add shareholder value, you can benefit...
Provided by Charles Schwab
-
White Papers
Climb A Ladder
Jul 2007
With the recent rapid rise in Treasury yields grabbing the headlines, you might be thinking it's a good time to lock in those higher interest rates. But what if bond yields go even higher? The...
Provided by Charles Schwab
-
White Papers
Asset Allocation: The 90% Question
Jan 2008
Have you heard the expression that asset allocation explains more than 90% of the variability in portfolio returns? If not, you're bound to hear it eventually, since it's one of the most commonly...
Provided by Charles Schwab
-
White Papers
What Are The Long-Term Market Prospects For Stocks And Bonds?
Jun 2008
In the late 1990s, many investors got used to seeing double-digit returns on their investments. Then the calendar turned, the Internet bubble burst, and the only thing many investors saw in double...
Provided by Charles Schwab
-
White Papers
What's The Right Time To Invest?
Apr 2008
Imagine for a moment that you've just received a year-end bonus or income tax refund. You're not sure whether to invest now or wait. After all, the market recently hit an all-time high. Now...
Provided by Charles Schwab
-
White Papers
Know Yourself, Know Your Risk Tolerance
Feb 2008
Because money is an emotional subject and our emotions often lead us in the wrong directions, there are few things more important than knowing yourself as an investor. And that means examining...
Provided by Charles Schwab
-
White Papers
The Portfolio Pyramid: How To Diversify Your Investments
Oct 2007
Remember the food pyramid for building a balanced diet? The portfolio pyramid covers the essential elements of a healthy, balanced portfolio. The portfolio pyramid is a way of looking at your...
Provided by Charles Schwab
-
White Papers
How Much Pain Can You Take?
Jun 2007
Could you recover from a 25% drop in the value of your portfolio? How about a 50% drop? It may be tougher - and take longer - than you think. Unfortunately, many investors are unaware just how...
Provided by Charles Schwab
-
White Papers
Put Savings (And Yourself) First With A Budget
Jan 2008
Where does that money go? America, it seems, is in the midst of a savings crisis. Personal savings rates have dropped in recent years and remain low by historical standards as many people continue...
Provided by Ameriprise Financial
-
White Papers
Putting On Heirs
Jan 2008
Some people may believe creating an estate plan is a lot of work, or that they may not have enough assets to qualify as an estate. However, your retirement savings accounts are an important part...
Provided by Ameriprise Financial
-
White Papers
Strategic Planning Consulting
Jul 2007
Strategic planning and consulting is the strategy roadmap to manage business very effectively. To improve the performance in each business level, business strategic planning & consulting is...
Provided by InfoServe Media
-
White Papers
Back On Track
Jun 2008
Several years after being forced to restate financials, a large U.S. financial services company was still struggling to get its financial processes in order. In the meantime, its external auditors...
Provided by Deloitte Development
-
White Papers
Lessons Learned: Emerging Best Practices Amid The Financial Crisis
Jan 2009
As the subprime credit crunch worsened into a full-blown crisis, it affected most corners of the financial world. Institutions have disappeared or been reshaped. The U.S. government, along with...
Provided by Deloitte LLP
-
White Papers
Profitable Growth In The Emerging Retail Marketplace: Implementing A Targeted Approach
Sep 2008
Health plans historically have focused on the employer-sponsored (group) market to drive revenue and enrollment. Over the last few years, however, many health plans have begun to shift their...
Provided by Deloitte Development
-
White Papers
Contract Administration, Rebates, And Chargebacks For The Life Sciences Industry
Nov 2008
Life sciences manufacturers typically secure the business of key customers and distribution channels through contracting. However, as health care cost containment pressures continue to grow, the...
Provided by Deloitte Development
-
White Papers
Mastering Finance In Business: The Role And Impact Of Financial Management On Strategy, Operations
Jan 2009
From mining in South Africa and commodity production in Asia to sales and service networks in North America, the business operations of some of the world's largest and most sophisticated...
Provided by Deloitte Development
-
White Papers
Tick...Tick...Tick: How To Spot Finance Timebombs Before They Explode
Sep 2007
In the bad old days of Enron and worldcom the finance function was sometime a willing participant - if not the primary trigger - for earnings inflation and other financial shenanigans. Thankfully,...
Provided by Deloitte Touche Tohmatsu
-
White Papers
The Benefits Of Employing A Holistic approach To Managing Outsourcing And Offshoring Risks
May 2008
Many major financial institutions employ outsourcing and offshoring strategies to gain a competitive advantage, but how do many of these organizations take a comprehensive or holistic...
Provided by Deloitte Development
-
White Papers
Streamlining Your Personal Financial Documents
Jan 2009
Every week you introduce more paper into your home, in the form of newspapers, magazines, flyers, coupons, schoolwork, correspondence, bills, and other documents. It may or may not be difficult...
Provided by HRGuru
-
White Papers
Industry Case: Digital Content In Finance
Jan 2009
Companies in almost every industry are embracing digital content for a variety of reasons: their customers are demanding it, they want to make money from new channels, it can help them cut costs,...
Provided by Accenture
-
White Papers
Anatomy Of A Meltdown
Dec 2008
The object of this paper is to identify some of the broad themes driving the current financial meltdown and the housing bubble that preceded it. Section 1 focuses on leverage, with special...
Provided by Bank of New York Mellon
-
White Papers
Managing Short-Term Liquidity Within Long-Range Institutional Goals
Feb 2008
Institutions have seen cash levels skyrocket to historical highs over the past decade. Consider that, in 1999, organizations held an estimated 3.5 trillion in cash and equivalents, which grew to...
Provided by Bank of New York Mellon
-
White Papers
Personal Finance Calendar For 2009
Dec 2008
Do you spend more time planning your annual vacation than you do thinking about your personal finances? And when you finally do get around to thinking about your finances, does one usually end up...
Provided by Charles Schwab
-
White Papers
Get Your Finances In Shape For 2009
Dec 2008
It wouldn't be the New Year without resolutions. But whether it's trimming your waistline or firming your financial profile, the key isn't making the list, it's sticking with it! That's...
Provided by Charles Schwab
-
White Papers
Heir Economics
Feb 2009
Receiving an inheritance can be a life-changing event for some, but for most heirs the money will not likely be enough meet their retirement needs entirely. If a person is one of the few who does...
Provided by Charles Schwab
-
White Papers
Plot Your Financial Success
Jul 2007
A small business needs financing to grow. As a business owner, you may need it to acquire short-term assets such as inventory, or long-term assets such as a building or equipment; or to expand...
Provided by Wells Fargo
-
White Papers
Breathing Room: Ten Ideas For Squeezing More Working Capital From Your Supply Chain
Oct 2008
In the face of nowadays' unprecedented credit crunch, companies must do everything they can to free up working capital. Even businesses that appear to be in pretty good shape may not be immune....
Provided by Deloitte & Touche LLP
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White Papers
How's Your Cash Position - How Canadian Companies Can Improve Their Cash Management
Jan 2009
Cash has always been king. But in nowadays' economic environment, it's more than that. It's everything. "Cash management has never been more important to a company's future than it is now" As...
Provided by Deloitte & Touche LLP
-
White Papers
The Link Between Profits And Organizational Performance
Jul 2007
To be sure, many factors drive financial performance, and evidence of correlation is not evidence of causality. Therefore we have intentionally declined to isolate the financial impact of...
Provided by McKinsey & Company
-
White Papers
Financial Crises, Past And Present
Dec 2008
Past financial crises had very different effects on the real economy. Although the lessons of the past don't give much cause for optimism, they do provide hints on how companies should prepare...
Provided by McKinsey & Company
-
White Papers
The New Metrics Of Corporate Performance: Profit Per Employee
Jul 2007
Most measurements of performance are geared to the needs of 20th-century manufacturing companies. Times have changed. Metrics must change as well. Companies focus far too much on measuring Returns...
Provided by McKinsey & Company
-
White Papers
The Elusive Goal Of Corporate Outperformance
Apr 2007
Many executives focused on growth assume that companies can sustain strong top- and bottom-line performance over long periods of time. McKinsey research, however, confirms that this kind of...
Provided by McKinsey & Company
-
White Papers
Fulfilling The Potential Of Latin America's Financial Systems
Mar 2007
Although the region's financial depth is low, Latin America could be on the verge of a breakthrough if policy makers continue reducing public debt and reforming the financial and legal systems....
Provided by McKinsey & Company
-
White Papers
Freeing Up Cash From Operations
Dec 2008
As the economy slows, companies should avoid the impulse to batten down their operations indiscriminately. Taking short-term steps and a balanced view of operations can keep cash flows healthy....
Provided by McKinsey & Company
-
White Papers
Fed To Expand Its Balance Sheet Further... Buying Treasuries!
Mar 2009
To no one's surprise, the Federal Reserve's monetary policymaking committee, the Federal Open Market Committee (FOMC) announced today that it has decided to keep its target overnight interest...
Provided by Charles Schwab
-
White Papers
Image Is Everything!
Apr 2008
The Image Deposit Suite of Services is an array of interlocking tools designed to help organizations simplify and streamline the entire deposit and return item process. Users can eliminate the...
Provided by Bank of New York Mellon
-
White Papers
The Check Is No Longer In The Mail: Advances To Remote Deposit Services
Apr 2008
The Image Deposit Suite of Services can provide significant savings over traditional paper check processing. Fees associated with physical delivery, transportation, storage, and transaction...
Provided by Bank of New York Mellon
-
White Papers
Managing Short-Term Liquidity Within Long-Range Institutional Goals
Feb 2008
Institutions have seen cash levels skyrocket to historical highs over the past decade. Consider that, in 1999, organizations held an estimated 3.5 trillion in cash and equivalents, which grew to...
Provided by Bank of New York Mellon
-
White Papers
Anatomy Of A Meltdown
Dec 2008
The object of this paper is to identify some of the broad themes driving the current financial meltdown and the housing bubble that preceded it. Section 1 focuses on leverage, with special...
Provided by Bank of New York Mellon
-
White Papers
Industry Case: Digital Content In Finance
Jan 2009
Companies in almost every industry are embracing digital content for a variety of reasons: their customers are demanding it, they want to make money from new channels, it can help them cut costs,...
Provided by Accenture
-
White Papers
Streamlining Your Personal Financial Documents
Jan 2009
Every week you introduce more paper into your home, in the form of newspapers, magazines, flyers, coupons, schoolwork, correspondence, bills, and other documents. It may or may not be difficult...
Provided by HRGuru
-
White Papers
The Benefits Of Employing A Holistic approach To Managing Outsourcing And Offshoring Risks
May 2008
Many major financial institutions employ outsourcing and offshoring strategies to gain a competitive advantage, but how do many of these organizations take a comprehensive or holistic...
Provided by Deloitte Development
-
White Papers
Tick...Tick...Tick: How To Spot Finance Timebombs Before They Explode
Sep 2007
In the bad old days of Enron and worldcom the finance function was sometime a willing participant - if not the primary trigger - for earnings inflation and other financial shenanigans. Thankfully,...
Provided by Deloitte Touche Tohmatsu
-
White Papers
Mastering Finance In Business: The Role And Impact Of Financial Management On Strategy, Operations
Jan 2009
From mining in South Africa and commodity production in Asia to sales and service networks in North America, the business operations of some of the world's largest and most sophisticated...
Provided by Deloitte Development
-
White Papers
Contract Administration, Rebates, And Chargebacks For The Life Sciences Industry
Nov 2008
Life sciences manufacturers typically secure the business of key customers and distribution channels through contracting. However, as health care cost containment pressures continue to grow, the...
Provided by Deloitte Development
-
White Papers
Profitable Growth In The Emerging Retail Marketplace: Implementing A Targeted Approach
Sep 2008
Health plans historically have focused on the employer-sponsored (group) market to drive revenue and enrollment. Over the last few years, however, many health plans have begun to shift their...
Provided by Deloitte Development
-
White Papers
Lessons Learned: Emerging Best Practices Amid The Financial Crisis
Jan 2009
As the subprime credit crunch worsened into a full-blown crisis, it affected most corners of the financial world. Institutions have disappeared or been reshaped. The U.S. government, along with...
Provided by Deloitte LLP
-
White Papers
Back On Track
Jun 2008
Several years after being forced to restate financials, a large U.S. financial services company was still struggling to get its financial processes in order. In the meantime, its external auditors...
Provided by Deloitte Development
-
White Papers
Strategic Planning Consulting
Jul 2007
Strategic planning and consulting is the strategy roadmap to manage business very effectively. To improve the performance in each business level, business strategic planning & consulting is...
Provided by InfoServe Media
-
White Papers
Putting On Heirs
Jan 2008
Some people may believe creating an estate plan is a lot of work, or that they may not have enough assets to qualify as an estate. However, your retirement savings accounts are an important part...
Provided by Ameriprise Financial
-
White Papers
Put Savings (And Yourself) First With A Budget
Jan 2008
Where does that money go? America, it seems, is in the midst of a savings crisis. Personal savings rates have dropped in recent years and remain low by historical standards as many people continue...
Provided by Ameriprise Financial
-
White Papers
How Much Pain Can You Take?
Jun 2007
Could you recover from a 25% drop in the value of your portfolio? How about a 50% drop? It may be tougher - and take longer - than you think. Unfortunately, many investors are unaware just how...
Provided by Charles Schwab
-
White Papers
The Portfolio Pyramid: How To Diversify Your Investments
Oct 2007
Remember the food pyramid for building a balanced diet? The portfolio pyramid covers the essential elements of a healthy, balanced portfolio. The portfolio pyramid is a way of looking at your...
Provided by Charles Schwab
-
White Papers
Know Yourself, Know Your Risk Tolerance
Feb 2008
Because money is an emotional subject and our emotions often lead us in the wrong directions, there are few things more important than knowing yourself as an investor. And that means examining...
Provided by Charles Schwab
-
White Papers
What's The Right Time To Invest?
Apr 2008
Imagine for a moment that you've just received a year-end bonus or income tax refund. You're not sure whether to invest now or wait. After all, the market recently hit an all-time high. Now...
Provided by Charles Schwab
-
White Papers
What Are The Long-Term Market Prospects For Stocks And Bonds?
Jun 2008
In the late 1990s, many investors got used to seeing double-digit returns on their investments. Then the calendar turned, the Internet bubble burst, and the only thing many investors saw in double...
Provided by Charles Schwab
-
White Papers
Asset Allocation: The 90% Question
Jan 2008
Have you heard the expression that asset allocation explains more than 90% of the variability in portfolio returns? If not, you're bound to hear it eventually, since it's one of the most commonly...
Provided by Charles Schwab
-
White Papers
Climb A Ladder
Jul 2007
With the recent rapid rise in Treasury yields grabbing the headlines, you might be thinking it's a good time to lock in those higher interest rates. But what if bond yields go even higher? The...
Provided by Charles Schwab
-
White Papers
Borrowing Smart
Feb 2008
The liability side of your personal net worth statement deserves as much attention as the asset side. Just as a well-run business might wisely manage debt to add shareholder value, you can benefit...
Provided by Charles Schwab
-
White Papers
Managing Your Mortgage
Jan 2008
For most of us, a home mortgage represents the single biggest liability on our personal net worth statement (your net worth equals your assets, or what you own, minus your liabilities, or what you...
Provided by Charles Schwab
-
White Papers
Inside Earnings: Quality Is Key
Jan 2008
After a rash of Enron-style accounting scandals, investors have become understandably obsessed with the quality of corporate earnings. After all, fortunes were lost. And when the economy slows,...
Provided by Charles Schwab
-
White Papers
Do You Have A Reason To Sell?
Aug 2007
Most of us know it's a good idea to keep sufficient cash reserves for unexpected expenses and only commit long-term investment money to volatile markets. Ultimately, however, your portfolio is a...
Provided by Charles Schwab
-
White Papers
7 Ways To Simplify Your Financial Life
Jun 2007
Too many accounts scattered among multiple providers creates a twofold problem: It's harder to track your investments, and you may be paying more in fees. Consolidating your investment accounts,...
Provided by Charles Schwab
-
White Papers
On The Road To Financial Bliss
May 2007
Goin' to the chapel and goin' to get married? Congratulations! As you embark on this exciting new phase of your life, be sure to discuss how you plan to budget, pay bills and get rid of any debt....
Provided by Charles Schwab
-
White Papers
Disaster-Proof Your Finances
May 2007
As the last few years have tragically demonstrated, natural disasters can strike at any time, in any place. Whether it's a hurricane off the Atlantic, an earthquake on the West Coast, or a flood,...
Provided by Charles Schwab
-
White Papers
Is A Roth IRA Right For You?
Nov 2007
When it comes to retirement savings, the Roth IRA offers unique retirement-savings benefits. First introduced in 1998, it provides no tax deduction for contributions, but your investments can grow...
Provided by Charles Schwab
-
White Papers
Can You Catch Up?
Jun 2007
Let's get the bad news out of the way real quick. The most important factor in determining whether you reach your financial goals is your level of savings. Just like your mother was right when she...
Provided by Charles Schwab
-
White Papers
Build Your Retirement Portfolio To Last
Dec 2008
If you're a conservative-to-moderate investor in retirement and want a high level of confidence you'll maintain your inflation-adjusted standard of retirement living for 30 years, the rule of...
Provided by Charles Schwab
-
White Papers
Generating Cash Flow From Your Retirement Portfolio
Dec 2008
It's usually better to sell long-term investments held in taxable accounts instead of taking money from your tax-deferred accounts before you have to. Withdrawals from traditional IRAs and 401(k)s...
Provided by Charles Schwab
-
White Papers
Saving For Retirement: IRA Vs. 401(K)
Sep 2008
Retirement was simpler when all you had to do was put in your time at work, retire and collect your check. Between the company pension and Social Security, most retirees figured they had it made....
Provided by Charles Schwab
-
White Papers
Baby Boomer Reality Check
Apr 2008
Evidently, there is a disconnect between perception and reality when it comes to how much we will need to spend in retirement and how best to fund that spending. It shouldn't be too surprising,...
Provided by Charles Schwab
-
White Papers
Don't Overpay Today For Growth Tomorrow
Nov 2008
Any list of long-term stock market winners is dominated by companies that grew Earnings Per Share (EPS) much faster than market averages. Therefore, the key to future portfolio success must be to...
Provided by Charles Schwab
-
White Papers
What About Cash?
Nov 2008
At times, depending on what's going on with the markets, the economy and interest rates, you might hear some financial gurus warn, "Cash is trash!" Other times, these market mavens might proclaim,...
Provided by Charles Schwab
-
White Papers
Building An Emergency Fund
Oct 2008
An emergency fund isn't just for lower-income people who live paycheck to paycheck - many high earners live close to or beyond their means, maxed out on credit card debt and with large mortgage...
Provided by Charles Schwab
-
White Papers
Are Stop-Loss Orders A Good Idea?
Sep 2008
Many investors find stop-loss orders (also called sell-stops) intuitively appealing. If you can limit your loss in any given stock to, say, 10%, then other stock holdings that provide large gains...
Provided by Charles Schwab
-
White Papers
Protecting Your Cash Assets
Oct 2008
Finding out your bank has failed is nerve-wracking, and once it has happened, there's not much you can do after the fact. However, with a little bit of planning beforehand, depositors can greatly...
Provided by Charles Schwab
-
White Papers
What Is The Statement Of Cash Flows?
Jan 2008
Think of cash as the lifeblood of every business. Without cash flow, no business can function - and without an accurate picture of cash flow, no investor can have a complete picture of a company....
Provided by Charles Schwab
-
White Papers
Do You Have A Reason To Sell?
Aug 2007
Most of us know it's a good idea to keep sufficient cash reserves for unexpected expenses and only commit long-term investment money to volatile markets. Ultimately, however, your portfolio is a...
Provided by Charles Schwab
-
White Papers
Inside Earnings: Quality Is Key
Jan 2008
After a rash of Enron-style accounting scandals, investors have become understandably obsessed with the quality of corporate earnings. After all, fortunes were lost. And when the economy slows,...
Provided by Charles Schwab
-
White Papers
Managing Your Mortgage
Jan 2008
For most of us, a home mortgage represents the single biggest liability on our personal net worth statement (your net worth equals your assets, or what you own, minus your liabilities, or what you...
Provided by Charles Schwab
-
White Papers
Borrowing Smart
Feb 2008
The liability side of your personal net worth statement deserves as much attention as the asset side. Just as a well-run business might wisely manage debt to add shareholder value, you can benefit...
Provided by Charles Schwab
-
White Papers
Climb A Ladder
Jul 2007
With the recent rapid rise in Treasury yields grabbing the headlines, you might be thinking it's a good time to lock in those higher interest rates. But what if bond yields go even higher? The...
Provided by Charles Schwab
-
White Papers
Asset Allocation: The 90% Question
Jan 2008
Have you heard the expression that asset allocation explains more than 90% of the variability in portfolio returns? If not, you're bound to hear it eventually, since it's one of the most commonly...
Provided by Charles Schwab
-
White Papers
What Are The Long-Term Market Prospects For Stocks And Bonds?
Jun 2008
In the late 1990s, many investors got used to seeing double-digit returns on their investments. Then the calendar turned, the Internet bubble burst, and the only thing many investors saw in double...
Provided by Charles Schwab
-
White Papers
What's The Right Time To Invest?
Apr 2008
Imagine for a moment that you've just received a year-end bonus or income tax refund. You're not sure whether to invest now or wait. After all, the market recently hit an all-time high. Now...
Provided by Charles Schwab
-
White Papers
Know Yourself, Know Your Risk Tolerance
Feb 2008
Because money is an emotional subject and our emotions often lead us in the wrong directions, there are few things more important than knowing yourself as an investor. And that means examining...
Provided by Charles Schwab
-
White Papers
The Portfolio Pyramid: How To Diversify Your Investments
Oct 2007
Remember the food pyramid for building a balanced diet? The portfolio pyramid covers the essential elements of a healthy, balanced portfolio. The portfolio pyramid is a way of looking at your...
Provided by Charles Schwab
-
White Papers
How Much Pain Can You Take?
Jun 2007
Could you recover from a 25% drop in the value of your portfolio? How about a 50% drop? It may be tougher - and take longer - than you think. Unfortunately, many investors are unaware just how...
Provided by Charles Schwab
-
White Papers
Put Savings (And Yourself) First With A Budget
Jan 2008
Where does that money go? America, it seems, is in the midst of a savings crisis. Personal savings rates have dropped in recent years and remain low by historical standards as many people continue...
Provided by Ameriprise Financial
-
White Papers
Putting On Heirs
Jan 2008
Some people may believe creating an estate plan is a lot of work, or that they may not have enough assets to qualify as an estate. However, your retirement savings accounts are an important part...
Provided by Ameriprise Financial
-
White Papers
Strategic Planning Consulting
Jul 2007
Strategic planning and consulting is the strategy roadmap to manage business very effectively. To improve the performance in each business level, business strategic planning & consulting is...
Provided by InfoServe Media
-
White Papers
Back On Track
Jun 2008
Several years after being forced to restate financials, a large U.S. financial services company was still struggling to get its financial processes in order. In the meantime, its external auditors...
Provided by Deloitte Development
-
White Papers
Lessons Learned: Emerging Best Practices Amid The Financial Crisis
Jan 2009
As the subprime credit crunch worsened into a full-blown crisis, it affected most corners of the financial world. Institutions have disappeared or been reshaped. The U.S. government, along with...
Provided by Deloitte LLP
-
White Papers
Profitable Growth In The Emerging Retail Marketplace: Implementing A Targeted Approach
Sep 2008
Health plans historically have focused on the employer-sponsored (group) market to drive revenue and enrollment. Over the last few years, however, many health plans have begun to shift their...
Provided by Deloitte Development
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White Papers
Contract Administration, Rebates, And Chargebacks For The Life Sciences Industry
Nov 2008
Life sciences manufacturers typically secure the business of key customers and distribution channels through contracting. However, as health care cost containment pressures continue to grow, the...
Provided by Deloitte Development
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White Papers
Mastering Finance In Business: The Role And Impact Of Financial Management On Strategy, Operations
Jan 2009
From mining in South Africa and commodity production in Asia to sales and service networks in North America, the business operations of some of the world's largest and most sophisticated...
Provided by Deloitte Development
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White Papers
Tick...Tick...Tick: How To Spot Finance Timebombs Before They Explode
Sep 2007
In the bad old days of Enron and worldcom the finance function was sometime a willing participant - if not the primary trigger - for earnings inflation and other financial shenanigans. Thankfully,...
Provided by Deloitte Touche Tohmatsu
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White Papers
The Benefits Of Employing A Holistic approach To Managing Outsourcing And Offshoring Risks
May 2008
Many major financial institutions employ outsourcing and offshoring strategies to gain a competitive advantage, but how do many of these organizations take a comprehensive or holistic...
Provided by Deloitte Development
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White Papers
Streamlining Your Personal Financial Documents
Jan 2009
Every week you introduce more paper into your home, in the form of newspapers, magazines, flyers, coupons, schoolwork, correspondence, bills, and other documents. It may or may not be difficult...
Provided by HRGuru
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White Papers
Industry Case: Digital Content In Finance
Jan 2009
Companies in almost every industry are embracing digital content for a variety of reasons: their customers are demanding it, they want to make money from new channels, it can help them cut costs,...
Provided by Accenture
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White Papers
Anatomy Of A Meltdown
Dec 2008
The object of this paper is to identify some of the broad themes driving the current financial meltdown and the housing bubble that preceded it. Section 1 focuses on leverage, with special...
Provided by Bank of New York Mellon
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White Papers
Managing Short-Term Liquidity Within Long-Range Institutional Goals
Feb 2008
Institutions have seen cash levels skyrocket to historical highs over the past decade. Consider that, in 1999, organizations held an estimated 3.5 trillion in cash and equivalents, which grew to...
Provided by Bank of New York Mellon
