finance essay competition 2023

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Harvard international economics essay competition, description.

The 2023 Harvard International Economics Essay Contest is sponsored by the Harvard Undergraduate Economics Association (HUEA) in conjunction with the Harvard College Economics Review (HCER). This essay competition is open to high school students of any year and is a fantastic opportunity to demonstrate an accomplished level of writing and understanding of economic theory. Through the contest, student competitors hone their academic and professional skills and exhibit their knowledge to future employers and academic programs.  Competitors must construct a convincing argument using economic theory and real-world examples.  Winning essays will be published in the Harvard Economics Review and will be available for the greater Harvard community to read. Essays should focus on argumentation supported with facts and references, although data-based support is also welcome.

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FSLA Essay Competition 2023

The Financial Services Lawyers Association is pleased to announce its annual essay competition.

The title for this year’s competition is: “ Can the risks and opportunities of AI in financial services be managed by fine-tuning existing regulation, or is a new approach required? “

The purpose of the essay competition is to provide students, trainees, and pupil barristers with the opportunity to apply their studies to issues that are of particular relevance to the financial services industry and wider society. 

Essays should be no longer than 1,500 words, and the deadline for entries is midnight on Friday 6 October 2023.

The Chris Stallard Memorial (First) Prize: £1,500 and a legal internship at the FCA

Second Prize: £750

Third prize: £500

We hope to present the prizes at FSLA’s winter social event.  In any case, winners will be notified by the end of 2023.

There is no requirement that entrants be FSLA members; however, free membership is offered to all students.  Please email  [email protected]  for further details.

The full rules for the competition, including submission details, can be found  here .

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LSESU Economics Society

The Essay Competition 2024

Welcome to the lsesu economics society’s essay competition 2024. we are so excited to release this year’s questions, our questions range from the financial sector to the effect of financial markets. we can’t wait to read your entries, prizes range from signed certifications by nobel prize-winning economists and include £100 amazon gift cards., we have attached the submission link, starter pack and the introduction below for your convenience:, https://forms.gle/t84q5w8ct3rv6axt7.

Announcing the Winners of the Nottingham-World Bank Economics Essay Competition 2023

The World Bank Group Inclusive Growth and Sustainable Finance Hub in Malaysia, in partnership with the School of Economics, University of Nottingham Malaysia, is thrilled to declare the champions of this year's Nottingham-World Bank Economics Essay Competition.

The competition focused on the pressing issue of youth unemployment in Malaysia, especially in today's digital age. Participants submitted an essay based off the following prompt - Malaysian youth unemployment rate has been more than ten percent, more than three times higher than the national average. What reforms should the Malaysian government pursue to ensure the labour market in this digital era is vibrant and resilient when you graduate from college? 

We take immense pride in announcing that the essays of our top three winners:

• First prize: Zhi Shen Kerk and  Han Ying (Iring) Zhang (International School of Kuala Lumpur) -  essay  
• Second prize:   Kan Zheng Hou and Foo Zi Yan (Kuen Cheng High School, Kuala Lumpur) -  essay  
• Third prize: Lim Kah Xuan and Leong Yu Chen (Kluang Chong Hwa High School, Kluang, Johor) -  essay

Consolation prizes (in no particular order):  

• Lim Qi Zhi and  Lim Qi Zao (SMJK Katholik, Petaling Jaya, Selangor) -  essay  
• Joshua Chin Yue Yong (Diploma in Marketing, Tunku Abdul Rahman University of Management and Technology, Kota Kinabalu, Sabah) -  essay  
• Saw Xiao Shan (Cambridge International A-Levels, Institut Sinaran, Kota Kinabalu, Sabah) -  essay

A huge appreciation is extended to all the participants. 

The World Bank seeks tto foster such platforms that bridge young minds and economic solutions. We anticipate more enlightening entries in the subsequent editions and wish every participant success in their academic and professional pursuits.

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The Monetary Policy Essay Prize .

The Monetary Policy Essay Prize 2023-4. By the Institute of Economic Affairs, the Institute of International Monetary Research, and the Vinson Centre What causes high inflation, and is the Bank of England responsible for the current inflation episode? If so, how would you make it more accountable?   The Submission and Style Requirements Entries should be no longer than 2,500 words long. Entries should include a bibliography and Harvard style referencing. References will count towards the word total, but the bibliography will not. The text should be double spaced, on A4 pages, in Arial size 12 font. How to Enter This year, the Monetary Policy Essay Prize will be divided into two separate competitions, the first for sixth formers , the second for undergraduates . The competitions are  free to enter, and open to both  UK and non-UK residents. However, all entrants must be able to attend the semi-finals and final in person in order to compete. Entries for the 2024 competition closed on 26 January 2024. Logistics The entries will be reviewed by a panel of judges, and the top entries will be invited to semi-finals at the Vinson Centre at the University of Buckingham in February 2024. The top participants from the semi-finals will then be invited to the final at the Institute of Economic Affairs in London in March 2024. Prizes For Sixth Form competition, £1,000 will be awarded to first prize, and £500 each to two runners up. For the Undergraduate competition, £2,000 will be awarded to first prize, and £1,000 each to two runners up. The entries will be judged on the criteria of knowledge and understanding of the economic issues raised by the challenge, use of resources, the quality and clarity of the argument and analysis presented, and the degree of originality and insight displayed. They will not be judged on the basis of adherence to a particular perspective regardless of quality or the other considerations set out. About IIMR The purpose of the Institute of International Monetary Research is to demonstrate and bring to public attention the strong relationship between the quantity of money on the one hand, and the levels of national income and expenditure on the other. The Institute – which is associated with the University of Buckingham in England – was set up in 2014, in the aftermath of the Great Financial Crisis (a.k.a., “the Great Recession”) of 2007 – 2009. It is an educational charity. About IEA The IEA is the UK’s original free-market think-tank, founded in 1955. Our mission is to improve understanding of the fundamental institutions of a free society by analysing and expounding the role of markets in solving economic and social problems. As part of this, the IEA runs an extensive student outreach programme including internships, summer schools, seminars and competitions. The IEA is an educational charity (No CC 235 351) and independent research institute limited by guarantee. Ideas and policies produced by the Institute are freely available from our website. The Institute is entirely independent of any political party or group, and is entirely funded by voluntary donations from individuals, companies and foundations. About the Vinson Centre The Vinson Centre for the public understanding of economics and entrepreneurship is a space for research and knowledge exchange at the University of Buckingham where individuals and teams come together to pursue exciting projects in novel ways. 2024 Winners On 25th March 2024 we ran the final for the sixth year of our Monetary Policy Essay Prize in conjunction with the Institute of International Monetary Research and the Vinson Centre. The undergraduate prize was won by Alberto Ornaghi (LSE). Christian Bulmer and Hubert Kucharski came in as the two runners up. The sixth form prize was won by Niccolo Silvestri (King’s College School, Wimbledon). YaXi Zheng and Tej Venigalla came in as the two runners up.

The IEA is an educational charity and free market think tank .

Our mission is to improve understanding of the fundamental institutions of a free society by analysing and expounding the role of markets in solving economic and social problems.

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Harvard International Economics

Essay contest (hieec).

HIEEC provides students the opportunity to demonstrate an accomplished level of writing and understanding of economic theory. Through the contest, students hone their academic and professional skills and exhibit their knowledge. 

HIEE C 202 3 -2024

Hieec 2023-2024 is now closed. .

The 2023-2024  Harvard International Economics Essay Contest is sponsored by the Harvard Undergraduate Economics Association (HUEA). This essay competition is open to high school studen ts of any year and is a fantastic opportunity to demonstrat e an accom plished level of writing and understanding of economic the ory. T hrough the contest, student competitors hone their academic and professional skills and exhibit their knowledge to future employers and academic programs. 

Competitors must construct a convincing argument using economic theory and real-world examples. Winning essays will be published on our website  and will be available for the greater Harvard community to read. Essays should focus on argumentation supported with facts and references, although data-based support is also welcome.

Yiheng Lyu​

Audrey Ku k​

Hyoungjin Jin

Juyoung Chun

Kevin Zhang

Matthew Choi

Mikayil Sadikhov

Raunak Agarwal

Vallabh Himakunthala

Highly Commended

Aronima Biswas

Aryan Nangia

Kridaya Gupta

Leonardo Jia

Rohan Mathur

Anagha Chakravarti

Amberlynn Gong

Neha Shanavas

Donghyeon Oh

2023-2024  Essay Questions

Advances in artificial intelligence (AI) have the potential to affect growth, inequality, productivity, innovation, and employment. OpenAI’s ChatGPT, in particular, has greatly increased public awareness about the significance of AI and its implications for the future. What impact will the development of AI have on economic inequality, the composition of the workforce, and economic output as a whole? How can nations prepare for the micro and macroeconomic changes brought about by AI?

Measuring national and global economic activity allows us to understand how economies change in size and structure—how they grow and contract. In addition to Gross Domestic Product (GDP), government budgets, and the money supply, alternatives like the Human Development Index (HDI) and Gross National Income (GNI) are used to assess economic progress. What are the advantages of our current economic indices, including GDP, HDI, GNI, government budgets, and the money supply, and in what areas are they lacking? Which of these indices do you find most helpful, and how can we enhance or combine them to improve our understanding of economic measurement?

Proponents of income redistribution support the idea that redistribution policies will increase economic stability and give more opportunities to the less wealthy. Others, however, are more skeptical and believe it could have negative consequences for economic growth. Current methods of redistribution include taxation, welfare, public services, and other monetary policies. What strategies for income redistribution should the U.S. adopt from other countries? What economic impacts could a wealth tax or super millionaire tax have? What type of redistribution is most effective and feasible? What would be the impacts of the U.S. enacting universal basic income? Discuss the implications of any of these issues and feel free to expand on other areas of economic redistribution.

As the United States weighs the impacts of China’s rise to global prominence, economics and national security have become increasingly intertwined. As a result, the United States government has imposed both tariffs and investment restrictions on China to limit the nation’s access to both US markets and intellectual property (specifically in sensitive industries such as semiconductors). What are the economic implications of these policies for United States firms, consumers, and workers? Discuss the most important perspectives of the US-China trade war and provide suggestions on how both countries can manage the prospect of a changing economic order.

2nd November 2023 – Essay titles released

11:59pm EST 5th January 2024  – Essay submission deadline

Late February 2024*  – Highly Commended and Finalists notified

Early March 2024 * – Winners notified, results published on the website

*We received a high volume of submissions, therefore we anticipate  that it will take us a couple m ore w eeks to release the results. 

Entrants must choose one of the four prompts and write a response to it with a strict limit of 1500 words. Submission must be via the HUEA website and entrants are limited to submitting one essay with only the first submission being considered. Each essay submission will have a $20 reading fee which should be paid upon submission of the essay. If this fee will impose a significant financial burden on your family, please email us. The deadline for submitting the essay is 11:59pm EST January 5th, 2024. ​

Please submit essay submissions via this form.

If the above link does not work, use:  https://forms.gle/9NVDu9WVbU71iPpq6

*Be sure to read all the details in the submission form carefully before submitting, as failure to complete any of the steps correctly may result in your submission not being considered.

The essays will be judged by the board of the HUEA, with the top 10 submissions being adjudicated by the esteemed Harvard professor and 2016 Economics Nobel Prize winner Oliver Hart.

The top three winning essays will be published ( with the author’s permission) on our website. A finalist s list of the top  submissions will be published online and adjudicated by 2016 Economics Nobel Prize Winner Oliver Hart. A list of names that will receive the "Highly Commended" distinction will also be published online​. The judges' decisions are final.

Terms and Conditions

The word limit of 1500 must be strictly adhered to. Any words past the limit will be truncated. This limit excludes references, footnotes, titles, headers and footers.

Essays must be written only by the entrant. Any outside assistance must be declared in the beginning or end of the essay.

Only your first submission will be accepted. Any further submissions will not be read.

References must be included, and any plagiarism will lead to disqualification.

References must be in Chicago or APA format. 

The only accepted document formatting is PDF. Any other format will not be accepted, nor will refunds be given to those who do not follow this rule.

No refunds are granted.

Grades 9-12 are permitted.

The essay must not be entered in any other competition nor be published elsewhere.

No individual feedback of essays will be granted.

The decisions made by HUEA by the final round of adjudication are final.

All winners agree to their names being published on the HUEA website.

Past Winners

2022  prompts an d winners.

In recent years and decades, many countries have seen fertility rates drop, potentially leading to falling populations. Currently, China has a fertility rate of 1.3, one of the lowest in the world. However, in 2021, China experienced GDP growth of 8% with output totaling $17.7 trillion. Will this lowered fertility rate (with potential to fall further) affect China’s economic growth and policy? How so? What, if anything, can the Chinese government do to limit the risk of falling fertility rates?

U.S. mortgage rates recently passed 7%, making the purchase of a new home increasingly unaffordable. Meanwhile, the United States has suffered from a chronic shortage of available housing for decades, particularly in urban areas, leading to what many scholars and advocates call an affordability crisis. Why is housing so unaffordable in the U.S.? What can (or should) be done by private actors, state and local governments, and the federal government to alleviate the affordability crisis?

It is often suggested that a tradeoff exists between economic growth and the health of the environment, especially now as the threat of climate change becomes more dire. What economic risks does a changing climate pose? Can economic growth be consistent with a healthy environment? What policies, either market-based or otherwise, should governments enact to protect the environment while posing the least danger to economic efficiency? 

Central banks such as the Federal Reserve in the U.S. and the Bank of England in the UK manage their nation’s macroeconomies with the goal of ensuring price stability and maximum employment. Globally, inflation rates are rising to levels not seen since the 1980s, particularly in the U.S. and European countries. To what extent should the monetary policies of central banks in various Western countries differ or resemble one another as a reaction to the specific causes of inflation facing their economies?

​ Click below to view each winner's essay

Ashwin t elang  *   nanxi jiang   *   duncan wong, 2019 wi n ner.

https://www.economicsreview.org/post/when-is-one-choice-one-t oo-many

2020 Winners

https://www.economicsreview.org/post/covid-19-and-the-market

https://www.economicsreview.org/post/automation-and-jobs-this-time-is-different

https://www.economicsreview.org/post/making-rational-decisions

Congratulations to the 2023 Senior Essay Prize Nominees and Winners!

Each year, 30-50 students write a senior essay in economics. This year, these essays spanned a wide array of topics across all fields of economics including consumption inequality within households, linkages between venture capital and public markets, police brutality and 911 calls, childcare needs on parent’s labor supply, and much more.

The top essays are nominated for prizes by the student’s advisor and a second reader from the department. A committee of Economics faculty members read and select the winning essays, and the prizes are awarded on commencement day during the students’ respective college ceremonies.

The prizes are as follows:

• The Charles Heber Dickerman Memorial Prize: the best departmental essay(s).
• The Ronald Meltzer/Cornelia Awdziewicz Economic Award: runner-up(s) for the Dickerman Prize.
• The Ellington Prize: the best departmental essay in the field of finance.

This year, twelve seniors were nominated for their essays: Raphael Berz, Tilden Chao, Aaron Dickstein, Noah Friedlander, Rosa Kleinman, Sarah Moon, Bruno Moscarini, Michael Ning, Ayumi Sudo, Sasha Thomas, Crystal Wang, and Justin Ye.

The Dickerman Prize for the best departmental essay goes to Bruno Moscarini (“ Skewed Uninsurable Income Risk in Incomplete Market Economies ”), supervised by Eduardo Davila, and Sarah Moon (“ Partial Identification of Individual-Level Parameters Using Aggregate Data in a Nonparametric Binary Outcome Model ”), supervised by Ed Vytlacil.

The Meltzer/Awdziewicz Prize goes to Rosa Kleinman (“ Transaction Costs and the Take-up of Social Safety Net Programs: Evidence from the Combined Application Project ”), supervised by Cormac O’Dea.

The Ellington Prize for the best essay in finance goes to Aaron Dickstein (“ The Impact of Economic Conditions on Decision-Making: Evidence from Retail Stock Trading ”), supervised by Nicholas Barberis. Aaron also received one of Yale College’s top prizes on Class Day: He was awarded the Arthur Twining Hadley Prize, which goes to the graduating senior majoring in the social sciences who ranks highest in scholarship. Read more about the Yale College prizes here .

In addition to essays, the Department of Economics awarded two additional prizes to graduating seniors majoring in economics: the Laun Prize for an outstanding course record in all courses taken at Yale College goes to Justin Ye , and the Massee Prize for an outstanding record in economics courses goes to Ran Wang .

Congratulations to all of these seniors for their exceptional accomplishments!

The essays for all the nominees and winners are posted below:

Raphael Berz

The evaluation of the Nutrition North Canada subsidy and implications in imperfectly competitive and remote communities (Advisor: Steven Berry)

Food insecurity due to the high cost of food is a serious issue facing Canada’s remote northern communities. The federal government is addressing the crises through the Nutrition North Canada (NNC), which provides indirect subsidies for northern grocery retailers. This paper examines the pass-through of the NNC subsidies to consumers and examines variations across items, communities, and market structures.

Tilden Chao

When the Dust Settles: How Cleaning Up America's Most Toxic Sites Affects Renters and Homeowners (Advisor: Robert Mendelsohn)

This paper contributes to the economics literature on housing markets, toxic pollution, and environmental justice, with a specific focus on how remediating industrial pollution affects renters. The paper explores how Superfund cleanups make property owners better off but low-income renters worse off. Chao examines actual outcomes after cleanup using a panel data set for census tracts surrounding Superfund sites from 2010 to 2021. The findings suggest that Superfund may make low-income renters temporarily worse off and some property owners durably better off.

Tilden Chao @TildenChao

Aaron Dickstein

The Impact of Economic Conditions on Decision-Making: Evidence from Retail Stock Trading (Advisor: Nicholas Barberis)

This paper investigates the relationship between economic conditions, specifically portfolio and market performance, and the strength of three behavioral biases in retail stock trading: return extrapolation, lottery stock buying, and attention-grabbing stock buying. Our findings indicate that return extrapolation and lottery stock preferences are more pronounced after high portfolio returns, while the buying of attention-grabbing stocks is more pronounced following poor returns. We consider various psychological explanations for these results, such as attention, overconfidence, social networks, and prospect theory, and argue that time-varying attention offers a natural explanation for all three findings. Our results contribute to the broader debate on whether people make more suboptimal decisions in good or poor economic states, providing evidence that the relationship between economic conditions and biases is complex and nuanced.

Noah Friedlander

Regressive As Well As Unequal? (Advisor: John Eric Humphries)

In 1978, California voters passed Proposition 13, which introduced a new formula governing property taxes that remains unusual relative to that of other states. While it has been shown that this formula introduced significant horizontal inequality, where properties with the same market value pay different effective tax rates, little is known about the presence or drivers of vertical inequality, where properties of different value pay different effective rates on average. This paper uses 93 million parcel-level observations for residential properties and employs a hedonic pricing model to comprehensively document the distributional incidence of the California property tax from 2009 to 2021. The findings suggest substantial regressive vertical inequality in the California property tax under Proposition 13.

Noah Friedlander @NoahFriedlander

Rosa Kleinman

Transaction Costs and the Take-up of Social Safety Net Programs: Evidence from the Combined Application Project (Advisor: Cormac O’Dea)

This essay studies the effect of transaction costs on the take-up and targeting of the Supplemental Nutrition Assistance Program (SNAP). Exploiting the staggered adoption of the Combined Application Project (CAP), a joint-filing procedure that simplifies the SNAP application for recipients of Supplemental Security Income (SSI), this research finds that transaction costs reduce take-up and worsen the targeting of SNAP. The essay develops a model of SNAP enrollment to explore the mechanisms behind this result.

Partial Identification of Individual-Level Parameters Using Aggregate Data in a Nonparametric Binary Outcome Model (Advisor: Edward Vytlacil)

The relationship between variables at the individual level can be different from the relationship between those same variables aggregated over individuals. This problem of aggregation becomes especially relevant when the researcher wants to answer a question about individual observations, but only has access to data that has been aggregated. This paper develops a methodology to partially identify individual-level parameters from aggregated data when the individual-level outcome of interest is binary, while imposing as few restrictions on the underlying data generating process as possible.

Bruno Moscarini

Skewed Uninsurable Income Risk in Incomplete Market Economies (Advisor: Eduardo Davila)

Analysis of administrative data from the US, Germany, Sweden, and France by Guvenen et al. (2021) reveals that the distribution of idiosyncratic log earnings changes features significant negative and procyclical skewness. What effect does this negative skewness have on savings choices, wealth inequality, and the equilibrium real interest rate, and how do these effects change with procyclical skewness over the business cycle? This paper considers these questions in a Huggett (1993) endowment economy with borrowing constraints. Findings suggest that in partial equilibrium, negative skewness increases the incentive to save for high income levels, which drives up wealth inequality. In general equilibrium, negative skewness lowers the interest rate.

Michael Ning

Linkages between Venture Capital and Public Markets, and Venture Capital Cyclicality (Advisor: Song Ma)

In seeking to untangle the causes of cyclicality in VC investing, this paper investigates the relationship between VC and public markets. Using a database of all venture capital investments from 1980-2022, this paper analyzes aggregate VC behavior (total investments, number of investments, investment size) to understand how they co-move with lagged public markets indicators (valuation multiples, stock market performance, IPO numbers), segmented by characteristics about the investments (industry, stage), and the investor (experience, capital under management). Findings suggest that lagged valuation multiples and the IPO market predict investor behavior, but not industry stock market returns more broadly. Second, higher valuation multiples lead to relatively more early-stage investing, while stronger IPO markets lead to relatively more later-stage investing. Finally, more experienced and well-capitalized investors are more responsive to changing public market signals.

Michael Ning @michaelning_

Effect of childcare needs on parents labor supply: Evidence from remote schooling during the Covid-19 pandemic (Advisor: Joseph Altonji)

How do childcare needs affect parents’ labor supply? This paper exploits variation in the share of in-person schooling (as opposed to remote schooling) among elementary and secondary school students during the Covid-19 pandemic to analyze how parents of school-age children respond to changes in childcare needs caused by different school learning modes. Based on the American Community Survey and school learning modes data from the Covid- 19 School Data Hub, this paper finds that mothers (but not fathers) respond to decreases in in-person schooling by dropping out of the labor force. The analysis in this paper sheds light on a salient causal mechanism behind changes in parents’ labor supply during the pandemic and has important implications for childcare and schooling policies in relation to the labor supply of parents.

Sasha Thomas

Consumption Inequality Within Households: An Analysis on Budget Allocations and Resource Shares in the UK

This thesis attempts to analyze whether intrahousehold consumption inequality exists in UK households. The paper manipulates household-level Engel curves to understand spousal resource shares and budget allocations using novel individual expenditure data from 2001-2017.

Crystal Wang

Police Brutality and 911 Calls (Advisor: Zachary Bleemer)

High-profile cases of police brutality have significant effects on public perceptions of police, but their impact on residents’ demand for policing services is less clear. This paper uses a novel metric to measure residents’ willingness to call police: the ratio of resident-initiated 911 calls to automatic alarm alerts. By using a differences-in-discontinuities approach on calls for service data from 13 US cities, the study finds a significant reduction in calls after George Floyd’s murder in May 2020, particularly for low-level nuisance calls. These results empirically demonstrate the cost-benefit tradeoffs that individuals make when calling the police and contribute to the growing literature on the negative impacts of police brutality on civilian trust.

Trust, Insurance, and Demand in Peer-to-Peer Platforms: Evidence From the Short-Term Rental Market

This paper examines how platform-wide buyer protection insurance affects the role of trust-building mechanisms in online, peer-to-peer markets. Using listing-level micro-data on Airbnb and Vrbo listings in New York City in the year 2022, this paper exploits the introduction of AirCover (a comprehensive booking protection policy) on Airbnb in May of 2022 to assess how platform-wide insurance may directly drive guest booking decisions as well as modulate the role of other trust-building mechanisms.

Justin Ye @thejustinye

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First prize:         RM 1,000.00 Second prize:   RM 800.00 Third prize:       RM 600.00 Three consolation prizes:  RM350.00 each 

• First prize: Zhi Shen Kerk and Han Ying (Iring) Zhang (International School of Kuala Lumpur) -  essay  
• Second prize: Kan Zheng Hou and Foo Zi Yan (Kuen Cheng High School, Kuala Lumpur) -  essay  
• Third prize: Lim Kah Xuan and Leong Yu Chen (Kluang Chong Hwa High School, Kluang, Johor) -  essay  
• Lim Qi Zhi and Lim Qi Zao (SMJK Katholik, Petaling Jaya, Selangor) -  essay  
• Joshua Chin Yue Yong (Diploma in Marketing, Tunku Abdul Rahman University of Management and Technology, Kota Kinabalu, Sabah) -  essay  
• Saw Xiao Shan (Cambridge International A-Levels, Institut Sinaran, Kota Kinabalu, Sabah) -  essay  

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7 Essay Writing Contests to Look Out For in 2023

7-minute read

• 28th December 2022

Essay contests are not only a great way to exercise your essay-writing skills but also an awesome way to win cash prizes, scholarships, and internship or program opportunities. They also look wonderful on college applications as awards and achievements.

In this article, you’ll learn about 7 essay writing contests to enter in 2023. Watch the video below, or keep reading to learn more.

1. Tom Howard/John H. Reid Fiction & Essay Contest 

Deadline: Now–April 30, 3023

Who may enter:

This is an international contest for people of all ages (except for residents of Syria, Iran, North Korea, Crimea, Russia, and Belarus due to US government restrictions).

Contest description:

●  The contest is organized by Winning Writers, located in MA, USA.

●  They accept stories and essays on any theme, up to 6,000 words each. This contest defines a story as any short work of fiction and an essay as any short work of nonfiction.

●  Your stories and essays must be submitted in English.

●  You may submit published or unpublished work.

Entry fee: USD 22 per entry

●  Story: First Prize is USD 3,000.

●  Essay: First Prize is USD 3,000.

●  10 Honorable Mentions will receive USD 300 each (any category).

●  The top 12 entries will be published online.

Official website

Please visit the competition’s official website for more information on judges and submissions.

2. 2023 Calibre Essay Prize 

Deadline: Now–January 15, 2023, 11:59 pm

Who may enter: All ages and any nationality or residency are accepted.

●  This contest is hosted by the Australian Book Review.

●  Your essay must be between 2,000 and 5,000 words.

●  You may submit nonfiction essays of all kinds, e.g., personal, political, literary, or speculative.

●  You may enter multiple essays but will need to pay separate fees for each one.

●  Your essay must be unpublished.

Entry fee: AU 30 for non-members

Prize: AU 7,500

Official website:

For more information on this contest, please visit its official website.

3. John Locke Institute Essay Competition 

Deadline: June 30, 2023

●  Students from any country.

●  Students aged 15 to 18 years by the competition deadline.

●  Students aged 14 years or younger by the competition deadline are eligible for the Junior prize.

●  The contest is organized by the John Locke Institute.

●  Your essay cannot exceed 2,000 words.

●  There are seven subjects or categories for essay submissions: Philosophy, Politics, Economics, History, Psychology, Theology, and Law.

Entry fee: Free to enter

●  The best overall essay winner receives an honorary John Locke Fellowship, which comes with a USD 10,000 scholarship to attend one or more summer schools or gap year courses.

●  There is also a prize for the best essay in each category. The prize for each winner of a subject category and the Junior category is a scholarship worth USD 2,000 toward the cost of a summer program.

●  All winning essays will be published on the Institute’s website.

For more information about this competition and the John Locke Institute, please visit the official website . Also, be sure to check out our article on all you need to know about this contest.

4. The American Foreign Service Association 2023 Essay Competition 

Deadline: April 3, 2023

●  Students in grades 9–12 in any of the 50 states, DC, the US territories, or if they are US citizens or lawful permanent residents attending high school overseas.

●  Students attending a public, private, or parochial school.

●  Home-schooled students.

●  Your essay should be 1,000–1,500 words.

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●  You will select a country or region in which the United States Foreign Service has been involved at any point since 1924 and describe how the Foreign Service was successful or unsuccessful in advancing American foreign policy goals – including promoting peace – in this country or region and propose ways in which it might continue to improve those goals in the coming years.

●  Your essay should follow MLA guidelines.

●  Your essay should use a variety of sources.

●  The first-place winner receives USD 2,500, a paid trip to the nation’s capital from anywhere in the U.S. for the winner and their parents, and an all-expense-paid educational voyage courtesy of Semester at Sea.

●  The runner-up receives USD 1,250 and full tuition to attend a summer session of the National Student Leadership Conference’s International Diplomacy program.

Please visit the American Foreign Service website for more information.

5. The Jane Austen Society of North America (JASNA) 2023 Essay Contest 

Deadline: Mid-February 2023–June 1, 2023

Who may enter: High school (including homeschooled), college, and graduate students worldwide.

●  The 2023 essay contest topic is marriages and proposals.

●  High school students may focus on Pride and Prejudice only or bring in other Austen works.

●  Undergraduate and graduate students should discuss at least two Austen novels of their choice.

●  Your essay must be in MLA format and 6 to 8 pages (not including your Works Cited page).

●  Your essay must be written in English.

●  First place wins a USD 1,000 scholarship.

●  Second place wins a USD 500 scholarship.

●  Third place wins a USD 250 scholarship.

●  Winners will also receive one year of membership in JASNA, publication of their essays on this website, and a set of Norton Critical Editions of Jane Austen’s novels.

For more information and submission guidelines, please visit JASNA’s official website .

6. 2023 Writing Contest: Better Great Achievements by EngineerGirl

Deadline: February 1, 2023

●  Students in Grades 3–12. If international or homeschooled, please select your grade level based on if you were attending a public school in the U.S.

●  This contest is organized by EngineerGirl.

●  Students should write a piece that shows how female or non-white engineers have contributed to or can enhance engineering’s great achievements.

●  You should choose one of the 20 Greatest Engineering Achievements of the 20th Century as a topic and explore the technologies developed in the last century and the new ones being developed today. Make sure to follow the specific guidelines for your grade level.

●  Essays should be 650–750 words based on your grade level.

●  Please visit the contest’s website to see specific requirements based on your grade.

Winners in each grade category will receive the prizes listed below:

●  First-place winners will be awarded USD 500.

●  Second-place entries will be awarded USD 250 .

●  Third-place entries will be awarded USD 100 .

For more information and submission guidelines, please visit the official website .

7. World Historian Student Essay Competition

Deadline: May 1, 2023

Who may enter: Students enrolled in Grades K–12 in public, private, and parochial schools and home-study programs worldwide.

●  Your essay must address the following issue: In what way has the study of world history affected my understanding of the world in which I live?

●  Your essay should be 1,000 words.

Prizes: USD 500

For more information and submission requirements, please visit the contest’s official website.

Essay contests are a great way to expand your writing skills, discuss a topic that is important to you, and earn prize money and opportunities that will be great for you in the long term. Check out our articles on writing thesis statements, essay organization, and argumentative writing strategies to ensure you take first place every time.

If you need help with your essays and would like to make sure that every comma is in place, we will proofread your first 500 words for free !

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Young Economist of the Year competition sponsored by KPMG

The 2024 Young Economist of the Year competition is held by  Discover Economics , sponsored by KPMG and the Financial Times. To find out more and enter your submission, click here .

The Young Economics of the Year Competition is our annual student-based competition, to encourage students to think about current economic issues and promote the study of economic science.

The competition aims at encouraging Year 10 – Year 13 students (in England and Wales, or equivalent in Scotland and Northern Ireland) to produce their own ideas in analysing contemporary economic problems facing the UK and the world.

Stay tuned to find out more about the 2024 competition, and sign up to the Discover Economics newsletter here !

More information below.

Previous winners

Royal Economic Society announces Young Economist of the Year

Winners of the Young Economist of the Year competition 2022

Winners of the Young Economist of the Year 2021

Winners of the Young Economist of the Year 2020

Young economist news.

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Foreign, Commonwealth and Development Office launches Next Generation Economics Competition

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Cambridge Society for Economic Pluralism 

2023 Essay Competition

Every year Cambridge Society for Economic Pluralism hosts its Essay Competition to encourage sixth form students to go beyond their curriculum and explore important questions society faces today.

Below are the questions for the latest installation of our annual essay competition, open to all students starting Year 12 or 13 (or equivalent) in September 2023 (ie taking A Levels or IB or equivalents in the next two years).

We welcome essays in response to any of the 5 titles written below. When writing their essays, we encourage students to be open to a broad range of perspectives whilst developing a clear line of argument.

Please include a bibliography with references to your sources.

Essays should be between 1500 and 2000 words in length (excluding any citations) and entries should be submitted by 23:59 UK Time (GMT+1) on August 15th, 2023.

Please submit your essay via this form: https://forms.gle/SkfM4kyvhs1NuogD7

Award winners shall consist of one 1st prize winner and three runners-up. The 1st prize winner will receive a cash prize of £50. The runners-up will each receive a cash prize of £15. All winners will receive certificates of commendation for their work and be featured in CSEP's website. Prize winners will be contacted individually by October 1st 2023. The shortlisted entries will be read by a professor in the Faculty of Economics at the University of Cambridge.

Click this link to see past winners: https://www.cambridgepluralism.org/essay-archive

If you have any queries about the competition, please send an email with your question to [email protected] .

By submitting your essay, you are agreeing to the terms and conditions of the CSEP Essay Competition.

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SFNet Announces the Winners of its 2023 Cross-Border Finance Essay Contest

August 14, 2023

Source: SFNet

SFNet is pleased to announce the winners of  its 2023 Cross-Border Finance Essay Contest, sponsored by Goldberg Kohn Ltd. Members of SFNet’s International Finance and Development Committee judged the essay submissions and have chosen:

• Floating charges: the Good, the Bad and the Ugly  (Lerika Le Grange and Fiona Coady, Taylor Wessing LLP)
• TLC for your Dutch Collateral: Some Practical Considerations  (Camille van Liebergen, NautaDutilh)
• A Framework for Championing Securitization in Africa to Mobilize Capital and Drive Economic Development  (Kabir Vassanji, BMO Bank of Montreal)

The third-place essay will be published in the September issue of The Secured Lender, followed by the second place and first place essays in October and November. The authors of the winning essays have been invited to participate on a panel at SFNet’s  79th Annual Convention in Orlando, FL, November 15-17 . 

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Fourth NLUJ CSBF Essay Competition, 2023

The Centre for Studies in Banking and Finance (CSBF), NLUJ is organizing its 4th NLUJ CSBF Essay Writing Competition 2023. About the

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The Centre for Studies in Banking and Finance (CSBF), NLUJ is organizing its 4th NLUJ CSBF Essay Writing Competition 2023.

About the Organizer

The Centre for Studies in Banking and Finance (“ CSBF ”), National Law University, Jodhpur was established by the Reserve Bank of India in 2002 to provide a venue for scholars and practitioners to exchange views on banking and financial systems through its various undertakings and activities.

The Centre seeks to promote vibrancy and increase intellectual participation in the banking sector, capital markets, and other sectors related to financial services.

About the Essay Writing Competition 2022

CSBF is inviting submissions for the “4th NLUJ CSBF Essay Writing Competition, 2023” in association with JSA, Eastern Book Company (EBC) and SCC Online.

Acquisition financing in India: What are the changes required in the regulatory landscape to make it more successful?

Is “exclusive” security truly exclusive under the Insolvency and Bankruptcy Code: a critical review of the current law and caselaw.

Role of Alternative Investment Funds in providing liquidity to the Indian market and the changes required in their regulatory framework to improve their impact.

Integration of environmental, social, and governance (ESG) considerations in the investment decisions of lenders in India, including the potential for ESG factors to impact credit performance.

Evaluation of Sale of Assets of Corporate Debtor under the IBC in light of introduction to Regulation 36B(6A) of the CIRP Regulations.

Are Asset Reconstruction Companies playing a role in actual revival of stressed assets or are they looking at their returns? Potential of public-private partnerships in promoting financial inclusion in rural areas in India, including the role of government policies, financial sector actors, and civil society organizations.

An analysis of the role of Buy Now Pay Later services in promoting financial inclusion in India, including the potential to reach underbanked or unbanked segments of the population.

Examination of the potential implications of RBI’s central bank digital currency on monetary policy, including the impact on money supply, inflation, and interest rates.

Telemarketing by creditors and the right to privacy of customers – how do you strike the right balance?

First Prize: INR 30,000/- and a merit certificate;

Second Prize: INR 25,000/- and a merit certificate;

Third Prize: INR 15,000/- and a merit certificate;

Certificates of Special Mentions to the Fourth and Fifth best entries.

The authors of the top five entries will be considered for an internship at JSA.

The top five entries will be considered for publication on the CSBF blog.

The winning entries will also be published on SCC Online Blog.

One year access cards to EBC Learning will be given to the Fourth, Fifth and Sixth best entries.

Submission Guidelines

The first page of the submission should only contain the title of the paper, followed by the 200 word abstract.

The second page must contain a table of contents, and the main body of the manuscript should begin immediately thereafter.

The word limit for the essay is 3500 words. The word limit is exclusive of the footnotes.

All the submissions must be an original and unpublished work of the author(s). All the submissions will be checked for plagiarism and those with plagiarism percentage over the permissible limit (i.e., 20%) will be summarily rejected.

Disclosure of information regarding the identity of the author(s), including, but not limited to name, institutional assistance, professional details, etc., within the body of the manuscript or other properties of the document submitted is strictly prohibited. Any violation of the anonymity requirement will lead to disqualification of the manuscript for the purposes of the competition.

Formatting Guidelines: Garamond; Size 12; Justified; 1.5 Spacing. Footnoting Guidelines: Garamond; Size 10; Justified; 1 spacing.

The participants are required to submit their manuscript ONLY by filling out the Google Form.

Important Dates

Last date for registration: May 30, 2023

Last date for submission of manuscripts: June 15, 2023

Citation Guidelines

The authorities must be cited in the form of footnotes.

Citations must follow a uniform format of citation throughout the submission.

The participants are required to provide the title of the name of the author, article/report/blog, date of publication, and active web-link for the authorities cited wherever possible.

In case of large documents such as reports, long articles, cases, etc. the author(s) must include the relevant paragraph/page of the authority being cited.

Speaking/explanatory citations are discouraged.

Competition Guidelines:

A co-authorship of not more than two (2) authors is permitted.

By submitting the article, the author(s) forfeit their copyright over their manuscript in favor of the organizers.

In case of any dispute, the decision of the organizers will be final and binding. The Centre retains absolute discretion in marking the manuscripts.

Queries may be addressed to: [email protected]

To know more click on The Fourth NLUJ CSBF Essay Writing Competition, 2023

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 Competition Results

Announcing the 2023 essay prize winners special congratulations to those who achieved a distinction or high distinction in this year's competition. those who did so but did not attend the prize-giving ceremony will be contacted by email, providing access to their ecertificates by the end of the month . p hotographs from our prize-winning ceremony and related events in oxfo rd will be emailed to those who attended.  , grand prize, hosei kishida, shanghai american school, china.

Junior Prize

Winner:    Xibei Kuang, Pinehurst school, New Zealand

Second Prize:  Alissa Song, Kambala, Australia

Third Prize:   Iris Zhu, Bement School, USA

ECONOMICS Prize

Winner:  Kit Young Tham , Hwa Chong Institution, Singapore

Second Prize:  Kevin Hao, Knox Grammar School, Australia

Third Prize:   Zhong Yang M. Yeh, Shanghai High School International Division, China

PHILOSOPHY Prize

Winner:    Hosei Kishida, Shanghai American School, China

Second Prize:  Amanda Sun, Princeton High School, USA

Third Prize:   Qianyu Lin , Raffles Institution, Singapore

POLITICS Prize

Winner:  William Zhou, Hunter College High School, USA

Second Prize:  Ziyi Wei, Westridge School for Girls, USA

Third Prize:   Xiaoya Du , The High School Affiliated to Renmin University of China, China

HISTORY Prize

Winner:    Yoo Jin Cho, Presbyterian Ladies' College, Australia

Second Prize:  Hannah Fareed, Karachi Grammar School, Pakistan

Third Prize:   Quynh Anh La Le, Saigon South International School, Vietnam

Winner:  Youran Wu, Nanjing Foreign Language School British Columbia Academy, China

Second Prize:  Kayson Hu, Reddam House Sydney, Australia 

Equal Third Prize:  L ucienne Keyoung, Manhasset High School, USA

Equal Third Prize:  Esme Vallois-Davies, Colchester Royal Grammar School, UK

THEOLOGY Prize

Winner:    Hanyu Li, High School Affiliated to Renmin University of China, China

Second Prize:  Shivraj Sharma, Neerja Modi School, India

Third Prize:   Scarlet Strogov, South Orange Middle School, USA

PSYCHOLOGY Prize

Winner:    Claire Yura Kim, Berkshire School, USA

Second Prize:  Arnav Pandey, The International School Bangalore, India 

Third Prize:   Hannah Kim, La Canada High School, USA

RECENT Essay Prize Winners

Grand Prize

Benjamin Who, The Hotchkiss School, USA

Winner: Selena Teng, Millburn High School, USA

Second Prize: Jinchuan Li, The Experimental High School attached   to Beijing Normal University, China

Third Prize: Vivian Li, Magdalen College School, UK

Winner: Pengzhe Lin, Cranbrook Schools, USA

Second Prize: Brandon Ma, Living Word Shanghai Bilingual School, China

Third Prize: Fengshuo Wang, Allendale Columbia School, USA

Winner:  Benjamin Who, The Hotchkiss School, USA

Second Prize: Ke Ren, Ulink Beijing, China

Third Prize: Yixi Zhang, Experimental High School Attached to Beijing Normal University, China

Winner: Yifan Liu, Independent Schools Foundation, Hong Kong

Second Prize: Xiaoyi Shi, Shanghai Foreign Language School Affiliated to SISU, China

Third Prize: Chenrui Dai, Ruian High School International Department, China

Winner: Shahmeer Bukhari, Karachi Grammar School, Pakistan

Second Prize : Sujeong Park, North London Collegiate School Jeju, Republic of South Korea

Third Prize: Samantha Shim, Phillips Academy, USA

Winner: Jonathan Pan, The King's School, Australia

Second Prize: Xinyue Zhu, Bard College at Simon's Rock, USA

Third Prize: Chloe Huang, Westminster School, UK

​Winner: Gabriel Stoney, Rugby School, UK

Second Prize: Yifei Chen, Wuxi Big Bridge Academy, China

Third Prize: Donghong Wei- Shenzhen College of International Education, China ​

Winner:   Cheuk Hei Chung, Chinese International School, Hong Kong

Second Prize: Teresa Yan, PS/MS 219 Paul Klapper, USA

Third Prize: Jia ning Zhang, Veritas Christian Academy, USA

Huaming Li, Xi’an Gaoxin No.1 High School, China

Winner: Austin Swaffer, Knox Grammar School, Australia

Second Prize: Chongwen Gu, YK Pao School, China​

Third Prize: Dana Song, Horace Mann, USA

Winner: Andre Pancholi, Latymer Upper School, UK

Second Prize: Yuhan Wang, Dunman High School, Singapore

Third Prize: Justin Chan, Harrow School, UK

Winner:  Marc Kadir, The Manchester Grammar School, UK

Second Prize: Arshiya Jain, Modern School Vasant Vihar, India

Third Prize: Alexander Chen, Archmere Academy, USA

Winner: Major Shokar, Aylesbury Grammar School, UK

Second Prize: Zoya Fasihuddin, Karachi Grammar School, Pakistan

Third Prize: Stella Zhu, Northfield Mount Hermon, USA​

Winner: Eugene Choi, International School Manila, Philippines

Second Prize: InChan Yang, Winchester College, UK

Third Prize: Sarah Carr, Sidcot School, UK

Winner: Aiden Whitham, St. Paul's School, UK

Second Prize: Laura Koscielska, The Purcell School For Young Musicians, UK

Third Prize: Naciima Mohamed, Columbia Heights High School, USA

​Winner: Hao Tian, Beijing New Talent Academy, China

Second Prize: Huaming Li, Xi’an Gaoxin No.1 High School, China

Third Prize: Corey Koh, Raffles Institution, Singapore ​

Winner:  Joonyoung Heo, Pacific Cascade Middle School, USA

Second Prize: Stephanie Mo, Indian Mountain School, USA

Third Prize: Rena Kim, Menlo School, USA​​​

Ethan Christian Tan, Anglo-Chinese School, Singapore

Winner: Ethan Christian Tan, ACS (Independent), Singapore

Second Prize: Min-Jun Kang, Korea International School, Korea

Third Prize: Ali Haider, Wallington County Grammar School, UK

Winner: Helny Hobbs, Newstead Wood School, UK

Second Prize: Elizabeth Zhu, University of Toronto School, Canada

Third Prize: Calvin Xu, Appleby College, Canada

Winner:  Raphael Conte, Sir William Borlase's Grammar School, UK

Second Prize: Saskia Poulter, The Tiffin Girls' School, UK

Third Prize: Jaimin Shah, King Edward VI Grammar School, UK

Winner: Runan Lin, Georgetown Preparatory School, USA

Second Prize: Christopher Conway, King's College School, UK

Equal Third Prize: Sungjin Park, Wellington College, UK and

                                  Megan Cui, Phillips Andover Academy, USA

Winner: Tianyi Jia, Princeton High School, USA

Second Prize: Henry Barker, Felsted School, UK

Third Prize: Jessica Na, Interlake High School, USA

Winner: Noah Buckle, Watford Grammar School for Boys, UK

Second Prize: Zheng Wei Lim, Raffles Institution, Singapore

Third Prize: Varun Venkatesh, Tanglin Trust School, Singapore

​Winner: Sirui Cai, Raffles Institution, Singapore

Second Prize: Junfang Zhang, Hwa Chong Institution, Singapore

Third Prize: Christopher Bong, ARCH Education, Hong Kong ​

Winner:  Jason Hausenloy, UWCSEA East Campus, Singapore

Second Prize: Anna Rantakari, Wellington College, UK

Third Prize: Alexander Fletcher, St Paul's School, UK

Luke Duthie, Germantown Academy, Pennsylvania, US

Winner: Younghoon Seo, Chadwick International School, South Korea

Second Prize: Jiajun Chung, Anglo-Chinese Junior College, Singapore

Third Prize: Maximilian Fawcett, St Paul's School, UK

Winner: Nayah Victoria Thu, Oslo International School, Norway

Second Prize: Daniel Craig-McFeely, St Paul's School, UK

Third Prize: Haritha Kumar, Cupertino High School, US

Winner:  Luke Duthie, Germantown Academy, US

Second Prize: Janusha Uthayakumar, Woodford County High School for Girls, UK

Third Prize: Harry Toube, City of London School, UK

Winner: Rosie Ashmore, Hagley Roman Catholic High School, UK

Second Prize: Mihira Philip, Sutton Grammar School, UK

Equal Third Prize: George Chadney, The Haberdashers' Aske's Boys' School, UK

                                  Clemmie Read, St Paul's Girls' School, UK

Winner: Zikai Zhou, Xiaoshi High School, China

Second Prize: Claire Yoonsuh Kim, Chadwick International School, South Korea

Third Prize: Sophie Kelly, Millfield School, UK

Winner: Elijah Lee, Anglo-Chinese School (Independent), Singapore

Second Prize: Cindy Xin, Albany High School, US

Third Prize: Andrzej Karpiński, II High School In Poznan, Poland

​Winner: Judy Hyojoo Rhee, University Hill Secondary School, Canada

Second Prize: Jonathan Lee, Abingdon School, UK

Third Prize: Alexander Archer, Eton College, UK ​

Equal First Prize: Ethan Zhu, The King's School, Australia

                                Indigo Lee-Wilson, Ascham School, Australia

Third Prize: Jason Hausenloy, UWC South East Asia East Campus, Singapore​​​

IEO will take place in Saint Petersburg in the end of July 2019.

The International Economics Olympiad (IEO) is an annual competition in economics organized for students at secondary school level. It is intended to stimulate the activities of students interested in economics, business, and finance by way of creative problem solving. The IEO competitions help to facilitate cordial relations between young adults of different nationalities; they encourage cooperation and international understanding.

Higher School of Economics  is a leading Russian university in economics, social sciences and other fields. According to QS World University Rankings by subject, it is ranked 51—100 in the World and 1st in Russia in Economics & Econometrics.

Moscow is one of the world largest cities, a modern metropolis, the capital and ancient center of the Russian state with a history going back many centuries. It is the city, which everyone should visit.

The final results

Taste of victory: kazakhstan and malaysia triumph.

Day the 4th: contestants` impression

It`s the 4 th day of the IEO and the Force is with us like never! Two rounds are ahead now, the third one takes place tomorrow. During the Olympiad we have been collecting feedback about the tasks from our contestants. Opinions were different, sometimes even ambiguous, but we want to share all of them.

‘Economics Olympiad Gives an Opportunity to Share Ideas and Compete’

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The first stage of OBECON went online!

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Small cpa firms can thrive even as payroll giants’ territory expands.

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Julio Gonzalez, National Tax Reform Expert and CEO of Engineered Tax Services (ETS) , The Growth Partnership and ABLE CRM.

In recent years, the accounting and financial services industry has undergone a seismic shift driven by technological advancements and changing business practices. Large payroll management companies, once confined to processing paychecks and managing employee records, are now expanding their offerings into the realm of tax and accounting services. This transformation has caused ripples through the CPA firm landscape, particularly affecting smaller practices.

In this article, I will explore how the expansion of services by these payroll giants is reshaping competition and potentially challenging the models of smaller CPA firms.

The Evolution Of Payroll Management Companies

Back when I and most of my peers entered this industry, payroll management companies were primarily associated with payroll processing, ensuring accurate and timely payments.

However, the advent of cloud computing and advanced software solutions has allowed these companies to extend their offerings beyond payroll. Leveraging their existing client relationships and streamlined infrastructure, they have begun offering additional services such as tax preparation, accounting and even financial consulting. This expansion has positioned them as one-stop shops for businesses seeking financial services.

Impact On Smaller CPA Firms

In today’s competitive landscape, I’ve seen smaller CPA firms face heightened competition in an already saturated market. The allure of consolidated services appeals to businesses looking to streamline their operations and reduce vendor relationships. This trend places smaller CPA firms at a disadvantage, as they often lack the resources to match the comprehensive suite of services offered by their larger counterparts.

Moreover, the convenience factor plays a pivotal role. Many business owners prefer having a single point of contact for various financial needs. This allows payroll management companies to cross-sell their tax and accounting services seamlessly, posing a challenge for smaller CPA firms striving to retain clients drawn to the convenience of these bundled services.

Quality Vs. Convenience

While convenience is crucial, quality of service remains paramount. Smaller CPA firms have long-standing expertise in tax and accounting services, often tailored to the unique needs of their clients . This often translates to personalized attention, deep industry insight and a history of building client trust. However, the challenge lies in effectively communicating the value of these differentiators to clients who may be tempted by the all-inclusive packages from larger payroll management companies.

Maintaining Independence And Specialization

One of the core concerns that I have repeatedly encountered firsthand is the potential loss of specialization. Smaller CPA firms often thrive in specific industries or niche services, building a reputation for expertise in those areas.

The broad spectrum of services from large payroll management companies might dilute this specialization, resulting in a more standardized, cut-and-dried approach to financial services. Businesses that require tailored solutions for complex financial situations may find it challenging to obtain the same level of specialization from these larger entities.

Maintaining Client Relationships And Integrity

For smaller CPA firms, allowing clients to migrate to larger payroll management firms is akin to letting the fox into the henhouse. These companies have been leveraging technology to disrupt CPA practices and obtain new clients for new services. CPA firms need to be cautious when choosing a payroll management company, ensuring their clients won’t be poached in the process.

A productive partnership between CPA firms and payroll companies is vital. Exploring strategies such as revenue sharing or other means of incentivizing optimal outcomes for the client without compromising each other’s clients could foster a mutually beneficial relationship.

In a swiftly evolving financial services landscape, the expansion of large payroll management companies into tax and accounting services sparks a dynamic interplay of convenience, specialization and competition. Smaller CPA firms, while facing challenges in this new environment, still possess the advantages of personalization, expertise and a history of trust with their clients. The key lies in effectively conveying their value proposition and embracing technology to stay competitive.

As the industry continues to evolve, the dynamic between these payroll giants and smaller CPA firms remains intriguing. The firms that successfully navigate this shifting landscape will likely be those that strike a balance between harnessing the power of technology and maintaining the core principles that have defined the CPA profession for decades.

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• Vladimir Putin spends big—and sends Russia’s economy soaring

How long can the party last?

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A Ukrainian incursion into Russia represents an enormous embarrassment for Vladimir Putin and his military leadership. Tens of thousands of residents have been evacuated after Ukrainian troops stormed across the border. The Russian armed forces, caught off guard, are being slow to respond. The rouble is slumping, as worries mount about the future of the war. Yet on the home front, at least, things look better than ever for Mr Putin. Despite sanctions and pariah status, Russia’s economy is growing strongly. It turns out that bacchanalian spending, at a time of war, really gets things going.

Russian GDP will rise by over 3% in real terms this year, continuing its fastest growth spurt since the early 2010s. In May and June economic activity “significantly increased”, according to the central bank. Other “real time” measures of activity, including one published by Goldman Sachs, a bank, suggest the economy is accelerating (see chart 1). Unemployment is close to an all-time low. Inflation is too high—in July prices rose by 9.1% year on year, above the central bank’s target of 4%—but with cash incomes growing by 14% year on year, the purchasing power of Russians is rising fast. In contrast with people in almost every other country, Russians are feeling good about the economy.

Consumer confidence, as measured by Russia’s statistical agency, is well above its average since Mr Putin assumed power 24 years ago. You might expect him to be goosing the numbers. But the Levada Centre, an independent pollster, finds equally startling trends (see chart 2). Only once in the past three decades has sentiment been higher. Russians’ confidence in their own financial situation, according to official data, recently jumped to an all-time high. They are more inclined to make big purchases, such as a car or a sofa, and restaurants are bursting. Last year Russians imported 18% more cognac than they did in 2019, according to our estimate, while spending 80% more on imports of sparkling wine. Sberbank, the country’s largest financial institution, notes that in June overall consumer spending rose by 20% year on year in nominal terms.

The latest data are in sharp contrast to the 2010s. Back then, output and incomes grew slowly or not at all. By 2018 real wages were no higher than in 2012. People were fed up. A round of sanctions, which the West launched in 2014 following Mr Putin’s annexation of Crimea, contributed to the malaise. So did an unusually austere fiscal policy, involving increases in taxation and cuts to spending. The covid-19 pandemic and another barrage of Western sanctions, imposed in 2022 in response to Mr Putin’s full-scale invasion of Ukraine, compounded Russians’ financial woes.

What explains the turnaround? It is tempting to credit Russian exports. Mr Putin has been able to divert hydrocarbons once destined for Europe to other parts of the world. Russian oligarchs, and the companies they run, are doing better than had been feared at the start of the war. In reality, however, Russia’s recent export performance is nothing to write home about. Oil prices are lower than a couple of years ago. In the first quarter of 2024 the total value of Russia’s physical exports was 4% lower in dollar terms than in the same period of 2023—and a third lower than in 2022.

To understand the accelerating economy, look to two aspects of macroeconomic policy. The first is fiscal policy. Mr Putin has abandoned austerity as he doubles down on war. He is sensitive to domestic opinion and recognises that he needs to buy public support for his invasion of Ukraine.   This year Russia will run a budget deficit of 2% of GDP —hefty by its standards—which it is funding in large part by drawing on enormous financial reserves, accumulated during the 2010s. In effect, Russia saved yesterday in order to party today. Total government outlays rose by an average of 15% in both 2022 and 2023, and a slightly smaller rise is budgeted this year. Ministers are devoting much of this extra spending to the war in Ukraine. Data published by the Bank of Finland suggest that military spending will rise by about 60% this year, boosting production of weapons and ammunition, and also putting money in people’s pockets.

Patriots or mercenaries?

In July Mr Putin doubled the federal bonus for those signing up to fight from 195,000 roubles ($2,200) to 400,000 roubles, which regional authorities are supposed to top up. The government is committing vast sums to compensation for the families of those killed in action. And Russia’s splurge goes beyond war-related spending. Mr Putin is lavishing money on welfare payments: in June he raised pensions for some recipients by close to 10%. The government is also spending big on infrastructure, including a highway from Kazan to Yekaterinburg, two cities 450 miles (730km) apart. Indeed, it is spending on pretty much whatever takes its fancy. Mikhail Mishustin, Russia’s prime minister, recently boasted about a government scheme to pay for children to holiday in Crimea.

The second reason for Russia’s party economy relates to its unusual monetary policy. In order to deal with high inflation the central bank has raised interest rates from 7.5% to 18%. More increases may be on their way. This has the effect of strengthening the rouble by attracting foreign investment from “friendly” countries such as China and India, which in turn cuts the price of imports and thus inflation. It also encourages people to save, trimming consumer spending. In a normal economy higher rates would hurt indebted households and companies, as their cost of repaying debt rose. Yet the government has almost entirely shielded the real economy from tighter monetary policy.

There is a bewildering array of schemes. Earlier this year the government made it much easier for consumers to suspend repayments on loans, so long as they could prove that their income had fallen or they were “affected by an emergency”. Banks have offered loan holidays to soldiers in Ukraine. A mortgage scheme, recently closed, kept lending rates fixed at 8%, less than half the current policy rate. An “industrial mortgage” programme has channelled lending to companies at rates as low as 3% a year. Banks’ arms are also twisted so that they do not raise rates too far. When the financial sector loses income as a consequence, the state often steps in to make up the difference.

This meddling has easily observable effects. According to official data, in the first quarter of this year households spent 11% of their disposable income on servicing debt—about the same as three years ago, when the policy rate was considerably lower. In the past year the interest rate facing households and firms has risen, but by only about half as much as the policy rate (see chart 3). New borrowing remains healthy. Lending to companies is growing at more than 20% a year. Since Russia invaded Ukraine, unsecured consumer lending has grown about as fast as nominal wages, which is to say very fast indeed.

How long can the party last? Much depends on the war. A continued slump in the rouble would raise inflation; more military recruitment would worsen labour shortages. At some point, people may get angry about the cost of living. And Mr Putin cannot run budget deficits for ever: at current rates, Russia’s reserves will be gone in five years or so. But the economy has also shown its resilience in recent years. So, for now, the party continues. ■

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This article appeared in the Finance & economics section of the print edition under the headline “Happy home front”

Finance & economics August 17th 2024

How vulnerable is israel to sanctions, europe’s economic growth is extremely fragile, how to invest in chaotic markets, what is behind china’s perplexing bond-market intervention, why companies get inflation wrong.

From the August 17th 2024 edition

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Fully-funded Russian Scholarships 2023-2024: List of all Scholarships in Russia

Study in russia: list of scholarships in russia.

The government of Russia offers hundreds of fully-funded Russian Government Scholarships 2023-2024 to all international students. It is one of the best opportunity for international students to study for free in Russia.

Russia is one of the Top Study Destinations where international Students enjoy Fully Funded Scholarships and get paid by the Russian Government to study there. The monthly stipends and free education are the top joys that students enjoy while their stay in Russia. We have put together the list of all the Russian Scholarships on which international students can apply this year and we encourage you to share this list with your friends as well who are interested to study abroad for free.

The largest country in the world, the homeland of Tolstoy and Bulgakov, Russia, is also becoming the ultimate study destination for a number of international students. Russia is keen to make its higher educational institutions competitive and more supportive of international students. 13 of the Russian universities have been featured in the top 400 universities by QS World University Ranking. Russia has invested about 390 billion rubles in upgrading its educational system and bringing it in harmony with European institutions. 

Russian Universities and the Russian Government offer potential international students to study for free in Russia. There are a number of government-sponsored and state-funded scholarships that you can apply to. Moreover, the universities in Russia are also offering scholarships to international students in order to attract talent from outside of Russia.

The cost of a Bachelor’s Degree in Russia starts at 1,100 USD per year and can go as high as 6,100 USD per year.

Russian Scholarships List

Below is a list of Russian scholarships for students who are interested in studying in Russia.

#1 HSE Gold Funding:

HSE University in Moscow, Russia; is supporting international students by funding their education via their Gold funding program. This scholarship is available for both undergraduate and graduate students. It contains trial tests and the scores of those tests are used in determining what percentage of tuition fee waivers will be offered to the students.

The tuition fee waiver starts at 25% and goes up to 70%. Students are also offered a monthly stipend/grant of 1500 RUB. Students can apply to this funding after getting enrolled in a listed program. The classes are taught in English so the students need to prove their English language proficiency if their first language is not English.

#2 State Ph.D. Positions at MIPT, Russia:

Moscow Institute of Physics and Technology is on the lookout for potential Ph.D. students. The Ph.D. degree program is fully funded and is available for the Russian Nationals. The Ph.D. positions are for a number of faculties but some faculties are offering higher funding than others.

The applicants need to be enrolled in a Ph.D. program to get the funding. The applicants will be required to prove their English language proficiency if the program is taught in English and Russian language proficiency if the program is taught in Russian.

#3 Eastern European University Association Scholarship:

Eastern European University Association via its International Scholarship Foundation is aiming at international students. The scholarship money covers the tuition fee and accommodation charges of those eligible students who have been enrolled in an undergraduate program at any university in Russia, Belarus, and Ukraine.

The scholarship is available for specified courses and undergraduate programs of recognized universities. Students will have to prove their language proficiency in the intended program.

EEUA is a not for profit organization that seeks to support brilliant students from all across the world so that they can pursue their higher education in Russia, Belarus, or Ukraine.

#4 NRU Scholarship:

National Research University’s Higher School of Economics is offering scholarships to international students who are enrolled in a master’s program.

The scholarship supports up to 70% of the tuition fee and is open for 17 of the master’s programs in NRU HSE. The minimum coverage is 25% of the tuition fee. The winners of the scholarship will also get a monthly allowance of 1500 rubles.

NRU is one of the most innovative and competitive universities in Russia. The sponsorship is offered in programs like business, law, finance, big data, management, economics, etc.

#5 Open Doors Russian Scholarship:

Ministry of Education and science of the Russian Federation along with Global Universities’ Association is giving out Open Doors scholarships to international students. The Scholarships are given on the basis of a competition known as Open Doors Olympiad or Open Doors Academic Competition. The winners get a chance to earn a master’s degree in one of the most prestigious universities in Russia. 

The scholarship winners will get a 100% tuition fee waiver and there are more than 300 awardees. Only international students are invited to apply and the subjects offered are Biology, Computer Science, AI, IR, Business, Management, Linguistics, Physics, Psychology, Chemistry, Technology, Engineering, and Economics.

#6 EMAS Scholarships:

Every month Eurasian Management and Administration School, Russia is offering 50 scholarships to eligible students to study MBA or Executive MBA. The scholarships are available for both online and on-campus modes. The scholarship grant is based on how well the applicant performs in the scholarship test. 

Several subject areas are affiliated with this scholarship such as marketing, finance, healthcare, management (strategic and general management). There is no need to prove English language proficiency even for the programs taught in English. However, a sufficient grip on the language is necessary in order to secure enrollment and scholarship.

#7 Skolkovo Institute of Science and Technology, Russia, Scholarship:

Skolkovo Institute of Science and Technology, also known as Skoltech is offering Ph.D. and master’s scholarships to international students. The scholarship is available for several fields like Mechanics, Biotechnology, Mathematics, Space systems, Physics, Petroleum Engineering, Life Sciences, etc. Skoltech is affiliated with the Massachusetts Institute of Technology (MIT) and is one of the leading science and technology institutes in Russia. The scholarship grant for MSc covers the full tuition, offers a basic stipend of 40k to 55k rubles, and also has monthly insurance.

The scholarship grant for Ph.D. offers a tuition fee waiver, gives a stipend of 85k to 105k rubles and medical insurance. The number of awards for MSc positions is 320 and for Ph.D. is 95. The duration for masters is 2 years and for Ph.D. is 4 years.

#8 Siberian Federal University Scholarship in Russia:

Siberian Federal University (SibFU) has opened up Ph.D. positions for a number of its doctoral programs. These programs are taught in English and are fully funded for both local and international students. The Ph.D. programs available are in the areas of Quantum Chemistry, Biophysics, Optics, Urban Design and Planning, Metal Forming, and Multidimensional Complex Analysis.

#9 Finance and Economics Scholarship at ICEF HSE:

International College of Economics and Finance (ICEF) of Higher School of Economics, Moscow is offering undergraduate scholarships to outstanding students. These scholarships are available for students of all nationalities and are partially funded. The scholarships are renewed each year and offer a tuition fee waiver of 15% to 75%.

HSE is a research university in Russia and its independent department of ICEF was founded in collaboration with the London School of Economics and Political Science in 1997.   The faculty and the education provided here is highly competitive and generous scholarships are offered here every year to outstanding students.

Yousaf Saeed

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The Australian Professor Who Turned Breaking on Its Head

Rachael Gunn, known as B-girl Raygun, displayed some … unique moves as she competed in a field with breakers half her age. The judges and the internet were underwhelmed.

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By Dodai Stewart and Talya Minsberg

Reporting from Paris

Breaking made its debut as an Olympic sport Friday, and among the competitors was Dr. Rachael Gunn, also known as B-girl Raygun, a 36-year-old professor from Sydney, Australia, who stood out in just about every way.

By day, her research interests include “dance, gender politics, and the dynamics between theoretical and practical methodologies.” But on the world’s stage in Paris, wearing green track pants and a green polo shirt instead of the street-style outfits of her much younger fellow breakers, she competed against the 21-year-old Logan Edra of the United States, known as Logistx.

During the round robin, as Raygun and Logistx faced off, Raygun laid on her side, reached for her toes, spun around, and threw in a kangaroo hop — a nod to her homeland. She performed a move that looked something like swimming and another that could best be described as duckwalking. The high-speed back and head spins that other breakers would demonstrate were mostly absent.

The crowd cheered Raygun politely. The judges weren’t as kind. All nine voted for Logistx in both rounds of the competition; Logistx won, 18-0.

Online, Raygun’s performance quickly became a sensation, not necessarily in a flattering way.

“The more I watch the videos of Raygun, the Aussie breaker, the more I get annoyed,” one viewer posted on X, formerly known as Twitter. “There’s 27.7 million Australians in the world and that’s who they send to the Olympics for this inaugural event??? C’mon now!”

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