Investment Banking

Prior year earnings, retained in the entity, that will be available for unrestricted use whenever whatever restrictions expire.

Watered stock is stock that is issued with a price that is much higher than the issuing company's assets. Watered stock can be stock that is overvalued due to excessive issuing or inflated accounting values.

Basically, they borrow it so that they can use it for different things. Sometimes, they lend out money to other customers. Other times, they may use the money to pay expenses, making sure to keep a decent protion of money deposited just in case someone needs to withdraw money. Occasionally, they invest it in other companies that they feel will help the money grow.

C.A.P.M describes the relationship between beta, market risk and expected return of the investment. In order to use the CAPM to estimate the cost of capital for this investment decision, we need to historical data, extract their levered beta, determine the appropriate manner to average them, and apply the resulting risk to the investment's CAPM.

Stoks and bonds

A lot

Buying undeveloped land can be a difficult investment. This is because there are current expenses, such as real estate taxes and insurance, but generally no current income.

In most cases, you are speculating that the area will be developed and that the land will become more valuable. Even then you must consider whether the zoning will permit subdivision, profitable investment, whether there are utilities and sewers that will reach the property, whether there will be accessible roads, etc.

A more active method of profiting it to subdivide and construct improvements on the property (roads, sewers, etc) and then sell off lots (in which case you essentially bought wholesale and sold retail). You could even build homes, offices, retail, etc.

Another value proposition in land investing is the use of the natural resources for profit. This could mean harvesting timber with commercial value, or licensing mineral rights, water rights, or hunting rights.

Furthermore, rather than develop land by putting up buildings, some investors sell or donate a "conservation" or "preservation" easement, restricting future development, but permitting the on-going stewardship of the natural resources (for a profit). Such easements can dramatically reduce the tax burden and may provide statutory immunity from liability to recreational users.

Functional requirements are what the business users expect the software to 'do'; what tasks they wish it to perform. (e.g. write paychecks, calculate launch date for lunar orbit, do hours to gross calculation for movie studios, etc.) UML says a func req is what an actor wants from a system. (An actor in UML is anyone who interacts with a system.) McDonald's wants their system to allow a cashier to enter the order and the cooks in the back see the order's elements that they need to deliver to fill the order and complete the task. Entering at the register and displaying at the register and the kitchen is a functional requirement of the system. Calculating the standard deviation of the poisson distributed customer arrivals is not. They do that over at Burger King.

There are so many different kinds of business enterprises. Some of the common ones include sole trader, general partnerships and corporations among others.

The slang term for dough dates back to the 19th century in the United States. The reason it became popular is that people believe that you cannot live without food or bread similar to not being able to live without money. Since bread is associated with dough then the term caught on to use dough instead of money.

Many financial institutions are offering more customized services to retain customers. Businesses can do this because technology makes customizing services easier now, than in the past.

Working capital is defined as "a measure of both a company's efficiency and its short-term financial health." It is a ratio calculated with this formula: current assets - current liabilities = working capital.

junk bonds

You simply have to search for a USAA bank in your location and they will help you. USAA also have an option for online banking services, I'm not sure if you they still differentiate between partial and full members for online banking, but you can call them and ask. Here some contact information http://www.showmelocal.com/profile.aspx?bid=16449820

Investment bankers can generate revenues for their firms by the amount of money they bring in from their customers. By bringing in money, the firm will have more to invest.

A mutual fund is designed to bring like-minded investors together and with the help of a mutual fund manager (and this could be a single person, a team or even a computer algorithm) to direct those invested dollars. Each investor is issued shares in the fund based on the amount of money invested. The idea is to spread that invested dollar over numerous companies held by the fund in an effort to diversify. The manager(s) pick an underlying basket of stocks or bonds for example that will meet the investment goals of the shareholders.

Looking at macroeconomic objectives, money will decrease in real terms due to inflation. Meaning a apple used to cost me $2 but now it costs me $3, your $2 can no longer purchase the apple, therefore the $2 has decreased in value in real terms.

Investing, like purchasing stock will earn you money which may compensate for the decrease of value of money in real terms, but notice that there is a risk of losing money as well. Another example is putting your money into a bank, this is a sort of investment as it gives you a interest rate, but in most cases this rate is lower than the inflation rate.

when money looses most or all of its value