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Papers On Miscellaneous Economic Issues
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Monopolies and Patents; Economic Issues
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This 5 page paper consider the hypothetical situation where a discovery for AIDS is found. The direct and indirect economic aspects of a company holding the monopoly on the cure are discussed in the first part of the paper, with the second part of the paper considering the rationale behind the granting of patent and whether or not a patent should be broken when the issue is as important as the AIDS cure. The bibliography cites 4 sources.
Filename: TEaidscu.wps

MORTGAGE BANKING: AN OVERVIEW
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This 13-page paper covers the topic of how international mortgage banks are connected to those in the U.S., and how the financial crisis has impacted them. Bibliography lists 8 sources.
Filename: MTmorbanov.rtf

Mortgage Interest Rates 2005
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A 3 page paper discussing expectations for the housing market and particularly in terms of mortgage interest rates. The US economy continues to issue surprises. Many believed that mortgage interest rates would increase dramatically with the end of the post-9/11 recession, but such has not been the case. Not only have mortgage interest rates not increased at the pace anticipated earlier, they also are not expected to greatly increase in 2005 and into 2006. Bibliography lists 4 sources.
Filename: KSeconUSmortIntR.rtf

Mortgage Market Failure
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A 4 page paper discussing 2 articles from late 2007, each of which addresses developments in the mortgage market following the fall of the subprime portion of it. The paper provides a chart of how negative externalities lead to market failure, and a discussion of how increased government involvement may be able to lessen the negative effects of the market failure Bibliography lists 4 sources.
Filename: KSeconMktFailH.rtf

Mortgage Market Research
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A 6 page paper describing research into the current mortgage market. Following the meltdown of the subprime mortgage market in 2007, by early 2008 inventory is up and prices are down. In many areas of the country it appears that the housing market has hit bottom and now is poised to rebound. There is one major hurdle, however: it is increasingly difficult for those with good credit and solid income to gain a traditional mortgage. The object of the research effort is to discover underlying reasons for higher default rates associated with lower credit scores. Bibliography lists 5 sources.
Filename: KSresMort.rtf

NAFTA In A Nutshell
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This five-page-paper gives an in-depth overview of the North America Free Trade Agreement (NAFTA). It discusses the advantages and disadvantages of the NAFTA as well as the outlook for the future of NAFTA in regards to labor movements, tariffs and globalization. Bibliography lists five sources.
Filename: CWNAFTA.wps

NAFTA: Its Effect on U. S. Industry
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9 pages. The North American Free Trade Agreement (NAFTA) was established as a means by which Canada, Mexico and the United States could effectively bolster their economies, their work forces and their political status. This well-written paper explains how NAFTA impacts the economic outlook on the United States and the positive and negative sides of NAFTA. Includes economic information as well as some history of NAFTA. Bibliography lists 11 sources.
Filename: JGAnafta.wps

NANCY TAI AND CREDIT ISSUES
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This 3-page paper calculates credit card interest rate charges using daily average, previous balance and adjusted balance methods. Bibliography lists 1 source.
Filename: MTnancytai.rtf


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