Investment Banking

Cash Call is a personal loan company that most frequently issues $2600 loans to people with troubled credit histories at a 99% interest rate, and with a repayment schedule of $216.55 per month for 43 months. If you do not pay, or even miss one payment, they will frequently harass you with phone calls and threats of wage garnishment and sueing. All in all, a great deal if you don't mind any of the above!

An advertisement may be directed towards a customer in many fashions. Through various medias the advertisement can be brought to the attention of a potential customer. It is the responsibility of the advertiser to bring a compelling advertisement that will cause an exchange between the customer and it's company.

Help, it is our ass. HELP ME

The ticker symbol for XL Capital is XL and it is traded on the New York Stock Exchange and Bermuda Stock Exchange

A general agency is usually an agency that allows other agencies to write business through them for specialty kinds of insurance business. A general agency may offer unusual types of insurance that an Independent Agency may need once in a while and needs the expertise and access to certain companies or products that they would not normally need. I have used general agencies to write horse mortality insurance, insurance for county and city governments packages, certain farming insurance packages, and other things that I need help in experts and company access. I would not write enough of these type of business to learn everything about these businesses needs and I would not have enough of this business to obtain a contract with companies that put together these special packages to meet the clients needs.

money in a savings account

A Time deposit is an agreement between a bank and its customer to deposit a fixed amount of money for a fixed duration for a certain rate of interest. The customer would be provided with a certificate of deposit which would contain the interest amount, date of maturity etc. The bank can now use the deposit for its loans and other purposes because ideally speaking, the customer would not ask for the money until the maturity date. Since the bank can plan properly for such deposits, the interest offered on such deposits is usually higher than normal checking or saving accounts.

If the customer wishes to prematurely close the account and withdraw money, the bank would charge a penalty for doing so. 1 or 2% of the interest amount may be reduced for doing it.

That's an age-old question. Why am I here? We all seek purpose in life. As in so many things, purposes vary between people. Keep seeking for your answer. Seek and you shall find, ever heard of that saying? Try there.

The dividend policy directly affects share price. There is a technique for share valuation known as the dividend growth model (DGM). The fundamental theory is that one would add up the present value of all upcoming dividends for that company, the sum of which would equate to the current stock price. The DGM assumes that a company is mature and has stable growth (e.g., inflation of 3% and relative economic growth of 3%). The DGM may be used for high growth industries; however, the growth must get to a mature rate for the results to be effective. The DGM, in reality, is really only useful as a gauge on value since there are a lot of assumptions on (1) future economic periods and (2) the ability of the company to produce cash flow during those periods. The forecasting; therefore, is crucial, and the average investor does not have/know how to use the tools available to do so. Also, there are other variables that impact stock price including the perceived value of the brand, the strength of the management team, the competitive nature of the industry, what point in the lifecycle is the company, etc. The DGM formula is as follows: Stock Price = Dividend / (Required Rate of Return - Expected Growth Rate) For example, let's say that a company has a $1 dividend that is paid once per year and is expected to continue forever. The growth rate of the economy is 3% and the expected inflation rate is 3%, making the overall growth rate 6% (in reality the value is slightly higher than 6% with compounding; however, the example is meant to be simple). The company has stated that it will only invest in projects having a 10% (or higher) return. Using the formula: Stock Price = $1 / (10% - 6%) = $1 / 4% = $25.00 Taking this policy further, let's say that the company increases the dividend to $1.20 per year and indicates that there are no other expected changes. The value, then, would change from $25.00 to: New Stock Price = $1.20 / (10% - 6%) = $1.20 / 4% = $30.00 There are versions of the formula that take into account different periods of growth and adjust the cash flows accordingly; however, at the end of the day, the ability of the company to pay dividends is highly correlated to the underlying stock price. ___________________________ Indirectly. If a company has a long history of paying increasing dividends, more people are likely to want to buy that company's stock than to sell it. Over time, this will result in the company's share price rising.

Interest free pricing is where the consumer has to have approved credit in order to participate because you pay over time. It is where you do not pay interest on the purchase if you pay cash.

Net assets are calculated as:

Fixed Assets+Current Assets-Current Liabilities-Preliminary expenses if any

A bank will honor your last will and testament but generally that is done through probate. This may be avoided sometimes if the total asset left are a small amount. Depending on what state law allows.

A banker does many things such as assist customers with managing their bank accounts. They may also open and close accounts for customers. An accountant prepares financial statements for companies and can also assist with a company's budgets and reports.

Tom Clausen

I belive it depends on your banking institute, but I know mine is automatic. I usually do the transfer over the phone but I have always seen the money into my account immeditely.

only a week tops -as long as the account number was filed properly

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Duties and responsibilities of bank staff include providing customer service, limiting access to safes, maintaining security, and ensuring money is stored properly. By effectively performing their duties, the staff can ensure a smooth operation.

Introductory economic courses tell us that declining capital is a bad sign for economic growth. Capital equipment such as computers and manufacturing equipment, things that are usually used with labor in producing output, is a supply factor (other supply factors include human resources, natural resources, and technology). A nation's potential production (as shown on a production possibilities curve which illustrates a simplified version of the combinations of capital and consumer goods that can be produced) is determined by supply factors along with demand and efficiency factors. Outward shifts of this curve mean economic growth; the potential production has increased. Using capital as an example, if capital increases (increase in supply factor), potential production will increase, thus indicating the potential for economic growth. On the other hand, if capital decreases, potential production will decrease, thus indicating a decrease in economic growth.

The exector of her Estate should contact you.

As working capital the IDC should be included in Investment plus it is contracted during the construction then it should be condidered as an investment /asset subject to depreciation

Leverage is using debt to finance investments.
Leverage ratio is the ratio between the size of the debt and some metric for the value of the investment.

There are several financial leverage ratios, for companies the debt-to-equity ratio is the most common one: Total debt / shareholder equity.

As an example we can use the debt-to-equity ratio for a home with a market value of $110,000 and a mortgage of $100,000: Debt is $100,000 and equity is $10,000 (market value minus debt), giving a debt-to-equity ratio of 100,000/10,000 = 10.

The general idea is that very low leverage means that a company isn't growing as quickly as it could, while a very high leverage means that a company is vulnerable to temporary setbacks in sales or increases in interest rate.

What is considered a 'good' ratio varies quite a bit between different types of business.

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A firm cannot survive with mere profit maximization, but must increase long-term security through investment and meeting shareholder expectations. This will increase their productive capacity for the furture as well as encourage the risky capital investment of the shareholders.

What is the purpose of a contract?