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Investment Banking
An investment bank refers to a financial institution which helps corporations, individuals, and governments in securing capital by acting as the agent during the issuance of securities. Unlike other banks, investment banks do not accept deposits.
744 Questions
What entity is considered an institutional investor?
According to investment dictionaries an encyclopedias, any organization that trades large volumes of securities is considered to be an institutional investor. The current regulations do not define an institutional investor, they however define Institutional Manager and Accredited Investor, terms that may be treated as synonyms. Institutional Investment Manager According to the regulations dealing with SEC 13F filings, an institutional investment manager is an entity that either invests in, or buys and sells, securities for its own account; or an entity that exercises investment discretion over accounts owned by any other natural person or entity. A natural person who exercises investment discretion over his or her own account is not an institutional investment manager. Entities deemed to be investment managers include: * registered investment advisors (RIAs) exercising discretion over client accounts, * banks, * broker/dealers and insurance companies that trade in their own accounts, * corporations and pension funds that manage their own investment portfolios, * investment advisors to hedge funds and mutual funds * other private (not registered) investment advisors with discretion power, * trustees of trusts that invests in, or buys and sells, securities Accredited Investor Rule 506 of Regulation D under the Securities Act of 1933 defines accredited investors to whom private placements of non-exempt securities may be made without registering the offerings with the SEC. The rule identifies these investors as: * a bank, insurance company, registered investment company (generally speaking, a mutual fund), business development company, or small business investment company; * an employee benefit plan, within the meaning of the ERISA Act, if a bank, insurance company, or registered investment adviser makes the investment decisions, or if the plan has total assets in excess of $5 million; * a charitable organization, corporation, or partnership with assets exceeding $5 million; * a director, executive officer, or general partner of the company selling the securities; * a business in which all the equity owners are accredited investors; * a natural person who has individual net worth, or joint net worth with the person's spouse, that exceeds $1 million at the time of the purchase; * a natural person with income exceeding $200,000 in each of the two most recent years or joint income with a spouse exceeding $300,000 for those years and a reasonable expectation of the same income level in the current year; or * a trust with assets in excess of $5 million, not formed to acquire the securities offered, whose purchases a sophisticated person makes.
Time frame prior to bankruptcy to acquire large sum of money?
Always file for bankruptcy as soon after getting a large sum of money as you can.
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What are qualities of good investment?
Here are some pointers that you might want to take note the next time you screen through your investment options.
1. Compare your yield with other investments
Remember to annualize your returns to see if your short term investment is worthwhile. Do take note that compounded returns (eg. monthly 1%) is far greater than a yearly returns (eg. yearly 12%).
2. Is there a lock in period?
Ask yourself if you would be cash tied in your investment, or if you would need the money elsewhere. Not being able to channel your funds also presents opportunity risk. Zero lock in period would usually mean a better short term investment.
3. What are the risks (for it being a short term investment)?
Take stocks for example. Even value investing in stocks presents short term volatility risks. If you are not able to stomach such returns, then it may not qualify for your suitable short term investments.
4. Are you able to withdraw your profits anytime?
This is important. If your monthly returns is 3% and it takes you 1 additional month to make a withdrawal of your profits, then you would have effectively gained only 1.5% profit per month. If you want to find a good short term investment, then your money has to be liquid.
5. Your experience in the investment
How familiar are you with the investment? If you have no expertise in it, then you are better off seeking investments that provides professional advice and support.
6. Tight control of the risk and returns
Are you able to adjust your risk levels based on the market condition and risk appetite? Especially in the short term, it's important for you to be able to do so.
7. Boring investments
This is the most important point you will see today. Make your money work for you when you invest. If your investment requires you to monitor it on a daily basis, or hourly basis, then you are actually working for money. Find a short term investment that allows you to sleep peacefully at night without worrying about your money.
8 .Risk << Rewards
Does the rewards justify the risks that you are taking? If you feel uncomfortable about the investment, then it's best that you stay away.
Long term and short tems career goals?
Are goals that you choose when you want to achieve something and it might take a long time or a chort period of time depending on what job you would like to be.
What is the role of custodian bank?
Under the Uniform Commercial Code and modern stock exchange systems, stock is not issued in the traditional manner, but rather is held by a series of proxies. Retail investors hold "beneficial securities entitlements" which are matched to stock held in the name of DTC nominee Cede Co on the books of the underlying securities issuer. So if Bob is a retail investor in GOOG, Google sees Bob's shares in Google's stock register under street name. Google has no idea that Bob holds Google stock. Bob's brokerage's custodian bank is responsible for matching the rights in Google held by the stock exchange up to the rights of Bob as beneficial owner. The custodian must relay to Bob the proxy papers for stockholder meetings and dividends and so on as Bob demands.
A custodian bank functions as a securities intermediary in the holding chain for securities held in street name. It is a type of proxy that is expedient for stock brokers or large investors. After clients negotiate trades of securities, the clients' custodian handles the actual settlement of securities transactions by effecting changes of securities ownership in the stock exchange securities registers run by the DTC.
What are the features of debentures?
debenture holders are not the owner of the company.they are considered as the creditors of the corporation or in other words the company borrow money from them through issuing debentures.moreover, they has no voting rights in the company's general meeting.
Is an investment bank an actual bank?
The answer is May be. An investment bank may or may not provide retail banking services like checking accounts, credit cards etc. Their area of expertise is investment services, mutual funds, underwriting services etc.
The court may modify an order that designates a sole managing conservator of a child of any age if: # The circumstances of the child, sole managing conservator, possessory conservator, or other party affected by the order have materially and substantially changed since the date the order was rendered; and,
# The appointment of the new sole managing conservator would be a positive improvement for the child. Both the material change and positive improvement prongs of the test must be satisfied. More than a slight change is required. A slight change in circumstances will not justify a modification of managing conservatorship. The change must also have occurred since the prior order.
The material change must have occurred after rendition of the order sought to be modified. A circumstance that existed at the time the prior order was rendered does not support a finding of a material change in circumstances. The material change must also directly or indirectly affect the child's welfare. Many aspects of the child's physical, mental, emotional, and moral well-being have been considered in deciding whether there has been a material change of circumstances affecting the child's welfare, including: # Whether a party has provided for the child's particular health needs, handicaps, hygiene habits, and dietary and clothing needs.
# Whether a party has properly overseen the child's educational and social development.
# A party's ability or inability to spend time with, care for, and supervise a child.
# A party's income, financial situation, employment history and capacity, present job status, and type of employment.
# Frequent changes of residence by the managing conservator.
Child's Changing Needs The changing needs of the child as he or she gets older may, by themselves, constitute a material change in circumstances. However, the age of the child or a party, as an isolated fact, is generally insufficient to support modification of managing conservatorship. Party's Physical and Mental Condition A party's physical infirmities rarely justify modification unless the party is substantially unable to care for the needs of the child. On the other hand, courts consider a party's mental health and emotional stability to be very important factors. Party's Remarriage Although a party's remarriage, as an isolated fact, is insufficient to justify modification, the circumstances created by a remarriage may affect the child in such a way as to justify modification. For example, remarriage may provide a party with greater income and better living conditions and may allow the party to spend more time with the child. On the other hand, a remarriage may produce financial hardship, or the new spouse may abuse the child, speak disparagingly of the other party, or be of less than reputable character. New spouse's race may not be considered The United States Supreme Court has held it unconstitutional to consider the race of the parent's new partner in making a custody decision. Party's Negative Behavior - Use of Child as Pawn A parent's use of a child as a pawn in disputes may constitute a material and substantial change in circumstances. Child-Snatching Snatching a child and fleeing may be sufficient to justify a modification of custody. The deliberate secreting of the child demonstrates that the person may be unfit as a custodian and that the child's best interest will be promoted by placing the child with the other party. Interfering with Child's Relationship With Other Parent Acts, omissions, or circumstances of a managing conservator that thwart the child's ties with the other parent, such as interfering with visitation, may constitute a material and substantial change in circumstances. A material and substantial change occurs when a managing conservator, by word, attitude, or deed, directly or subtly alienates the child's affection for, or poisons the child's mind against, the other parent. Moral Misconduct The moral misconduct of a party, such as, for example, a party's sexual promiscuity, affairs, or living with a member of the opposite sex out of wedlock may constitute a material and substantial change. Conviction of Crime Being convicted of a crime or subjecting the child to the influence of persons involved in criminal activities may be considered a material and substantial change in circumstances. Crime involving child abuse The conviction, or an order deferring adjudication, of a managing or possessory conservator for a criminal offense involving child abuse constitutes a material and substantial change of circumstances sufficient to justify a modification of conservatorship. Caution: It is a Class B misdemeanor to seek modification on the basis of an alleged conviction or adjudication while knowing that the conservator against whom modification is sought has not actually been convicted of, or received deferred adjudication for, a child abuse offense. Use of Illegal Drugs The use of illegal drugs by a party seeking custody is a material issue in a suit to modify conservatorship. Texas Rule of Civil Procedure 204 authorizes a court to order a petitioner to submit to drug tests if sufficient evidence is presented to place the matter in controversy and there is a showing of good cause for such an order. Dishonorable Discharge A dishonorable discharge from the armed services may be considered grounds for change of custody Abuse of Child or Spouse The physical, mental, or sexual abuse of a child is a material and substantial change in circumstances.
NOTE: In determining whether to appoint a party as a sole or joint managing conservator in the original divorce action, the court must consider evidence of the intentional use of abusive physical force by a party against the party's spouse, the child's parent, or any person younger than 18 committed within a two-year period preceding the filing of the suit or during the pendency of the suit. Past Isolated Instances of Misconduct Conduct that has occurred in a few isolated instances in the distant past is less likely to be deemed a material and substantial change in circumstances than conduct occurring in the recent past Child's Awareness of Misconduct Behavior that occurred in the child's presence or that the child is aware of is more likely to constitute a material and substantial change. Religious Training or Beliefs Disputes involving a child's religious training do not constitute a material and substantial change in circumstances. Courts may not constitutionally require religious affiliation or training. The trier of fact in a child-related dispute must remain impartial as to any religious preference. Parent's religious beliefs The state, through its courts, may not prefer the religious views of one parent over the other in deciding the child's best interest. Thus, absent evidence that a parent's beliefs and practices are either illegal or immoral, or cause serious bodily or mental injury to, or neglect of, the child, continuing emphasis on a parent's religion during the trial may be reversible error.
Positive Improvement as Separate Element of Two-Part Test
The second element of the two-part test for replacing one sole managing conservator with another sole managing conservator requires a showing that the appointment of the new sole managing conservator would be a positive improvement for the child. Positive improvement must be found as a separate element.
Factors Considered in Determining Positive ImprovementThe positive improvement requirement focuses primarily on the circumstances of the person who is seeking to become sole managing conservator. Present managing conservator's circumstancesThe circumstances of the managing conservator will be considered for the limited purpose of comparison. In addition, the more destructive the current situation, the less that needs to be demonstrated to show positive improvement. Removal of negative factors as consideration While any number of factors potentially affecting the child's welfare may be considered in ruling on positive improvement, the focus of these factors will be on the potential positive impact on the child if the modification is granted, rather than the harm to the child if the managing conservator is retained. However, the removal of a negative factor in the existing environment may be sufficient to show positive improvement. For example, the elimination of a daughter's emotional distress caused by living with her father was sufficient to support a finding that giving her mother custody would be a positive improvement. Similarly, the more stable home life of the person seeking managing conservatorship, as compared to the unstable environment with the present managing conservator, may make the modification a positive improvement
What does the '112' mean in the serial of a 12 gauge Browning BPS serial 03387RR112?
Prior to 1998, Browning used those digits to categorize the subtype of a particular model. Your gun was made in 1977 (RR), and the digits after that would denote the variation (Hunter, Stalker, etc). I dont find '112' listed on the Browning website as a type, however the first year guns such as yours were typically the standard field gun. sales@countrygunsmith.net
A company that has a profit can increase its return on investment by?
Increasing sales revenue and operating expenses by the same percentage.
Can you question the executer of the will if you think he is not doing the job properly?
If you are an heir, you most definitely can! People who are trusted with executorship can do a lot of damage before you start questioning them, though, so if you are going to question them, do it as soon as possible. Probate Court, at least in Indiana, is informal, so you don't have to hire an attorney. When I went through the type of experience you are facing, I looked up my State Code on the Internet and became familiar with it. The executor of the estate in my case broke just about, if not every, code that was written, but I would not have known if I hadn't read the Code for myself. I gathered as much information as I could about what had taken place between the time of death to the present and then wrote a letter to the executor asking for explanations to a long list of questions and what happened to this, that, etc. It was sent certified mail with return receipt and a copy was sent to the Judge presiding over the case and every interested party (heirs). I made some serious errors, though, and I hope my errors can help you. First, I assume this is a family situation. When executors do not respect you enough to do things right from the start, or feel like they are more deserving than you, or whatever their reasons are, challenging them is likely to do permanent damage to whatever relationship you might have had. Emotions can run very high and the hurt can be very deep. If you challenge them, keep a very cool head and don't make any quick decisions, especially if you get any surprise rulings from the Court. If that happens, take a couple of days to gather your thoughts together and STRATEGICALLY PLAN your next move. Above all, don't let your emotions get in the way of LOGICAL reason! I wish you the very best. Deb
a bank that deals with international finance ,long term loans to companies ,underwriting
Hi everyone, Author and financial expert, Jean Chatzky, is going to give tips on personal finance in a live chat session on April 2nd from 3pm til 4pm EST on LivePerson.com at http://www.LivePerson.com/?BanID=47083 I'm part of a group that's trying to get the word out about LivePerson & we want to share this event info with people who want to learn more about managing their personal finances. Check out Jean's invitation to you below: http://www.youtube.com/watch?v=DHC_K40a7E0 If you know anyone who has questions about personal finance, please spread the news.
Investment deportation reserve not considered as free reserve
Who is the patron saint of investments?
Patron Saint of financial officers and money managers is St. Matthew the Apostle. That's as close as I could find.
Where to fax America California bank verification of deposit for hud property residents?
send it to chase they bought california bank over
What is the logic behind the npv approach?
NPV- net present value.
the logic behind this is, it is better to have a dollar at hand now than a dollar, say, in 5 years time. with that dollar in hand, it can be invested to earn a return in the future.
Can you use two computers at once?
Yes, that is possible. But I don't recommend it, if you're inexperienced with computers. The two systems may fail each other. Only if they are the same, the chance of working is bigger.
What is diffenrence between security deposit and caution deposit?
I believe they are the same thing but ask to be sure.
The law refers to the "security deposit" and no portion can be non-refundable (at least in California) so make sure the "caution deposit" isn't in addition.
What are tbe Careers in investment banking?
These include Corporate Advisory on Mergers and Acquisitions, Structured Trade Finance products, Trading, etc. Here's a good link that will give u an idea: http://en.wikipedia.org/wiki/Investment_banking
The increase in rate of return will make the investment more difficult to be accepted.
What are the problems in merchant banking?
The problem with merchant banking is not allowing youthful professionals into the merchant banking business. Even though merchant banking is vast it needs more acceptable expertise to provide more services.
well blad basicly yh.. u do 2 btecs for a levels , then apply to oxford and when u get a chance then tell them to f*** off! then employers will come looking for you!
