FINTMED CLASSROOM NOTES FINANCIAL INTERMEDIARY * a middleman between people who needs capital and people who has capital * Institutions that matches lenders and borrowers TOPICS: (for the whole term) OVERVIEW | INTEREST RATES | BANKS | COLLATERAL AND CREDIT RISK MANAGEMENT | NON-DEPOSITORY FINANCIAL INSTITUTION | BANK CAPITAL AND DEPOSIT INSURANCE | * Insurance firms | BANK RUNS AND CONTAGIONS | * Securities firms | BOND MARKETS | * Investment firms | EQUITY MARKETS
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Non Verbal Communication In Interview’s FETAC Communications Non Verbal Communication Communication has allowed us to grow‚ learn‚ build‚ and survive. The fact that we have managed to develop advanced methods of communication‚ such as language‚ is what has set us aside from other animals. When we talk to another person we are sending a message which is received‚ decoded‚ and responded to accordingly. But there is much more to communication than just its verbal aspects. The way we hold
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business are those situations where owners and their employees have room to maneuver‚ compromise‚ bargain and make deals within established boundaries. Non-discretionary areas are topics or situations with very specific rules‚ regulations or other guidance that requires one way of acting. Compromise is unacceptable in these areas. Safety is one non-discretionary area that is immediately recognizable. Business is a complicated arena of sorts that focuses on principles and guidelines that are essential
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Marriage and the “problem” of non-marital parenthood are seen differently by never married mothers‚ never married fathers‚ conservative lawmakers and liberal lawmakers. Each group is concerned with different aspects of the issues and comprises different ideas on how to deal with them. Never married mothers don’t necessarily see non-marital parenthood as a “problem”. This is especially the case with women living in conditions of poverty or in inner cities. They are so accustomed to having children
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1. What is a financial system and what are its constituents? One way of knowing the economic development of a nation is by examining the financial system of the country. The more matured the financial system‚ the more developed is the economy. Such is the importance of the financial system‚ as it acts as a bridge between the surplus owners of funds and the people who are in need of funds. A financial system facilitates the movement of funds from the areas of surplus to the areas of deficit. A
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PHILIPPINE LONG DISTANCE TELEPHONE COMPANY AND SUBSIDIARIES CONSOLIDATED FINANCIAL STATEMENTS AS AT MARCH 31‚ 2013 (UNAUDITED) AND DECEMBER 31‚ 2012 (AUDITED) AND FOR THE THREE MONTHS ENDED MARCH 31‚ 2013 AND 2012 (UNAUDITED) F-1 PHILIPPINE LONG DISTANCE TELEPHONE COMPANY AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF FINANCIAL POSITION (in million pesos‚ except par value per share amounts and number of shares) As at January 1‚ As at March 31‚ As at December 31‚ 2012 2012 2013
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Answer Sheet: 1. What is the importance of cost of capital in Financial Decisions? Explain. The term “cost of capital” is defined as a the rate of return on investment projects nesscery to have unchanged market price of a firm’s share. It may be the rate at which funds can be borrowed on new equity capital or‚ it may be the rate at which futher cash flows are discounted to measure its present values. The cost of Capital of a firm is the weighted average of the cost of the various sources of
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Working Capital Requirements and the Determining Factors in Pakistan Mian Sajid Nazir* and Talat Afza** Literature on corporate finance has traditionally focused on the study of long-term financial decisions. Researchers have examined‚ in particular‚ the investment decisions‚ capital structure‚ dividends or company valuation decisions‚ among other topics. However‚ short-term assets and liabilities are important components of total assets and need to be carefully analyzed. Management of these
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In this essay I am going to write about Non-Verbal Communication or NVC‚ which I have learned in my class and combine it into my observation that I have observed in three different situations. I did my observation in café‚ cinema‚ and school. I also use all of the seven non-verbal communication characteristics into my observation‚ those are; body movement‚ physical appearance‚ touching‚ vocal qualities‚ proxemics‚ artifacts‚ and environment. My first observation was in Starbucks cafe‚ I took my
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have you acknowledged and appropriately referenced the source of your quotation in the body of the text? Have you placed all direct quotations in inverted commas? Have you listed and correctly cited all your sources in your bibliography? Financial Planning for Philip Lewis Declaration by the candidate named above 1. I confirm that this is my own work (or‚ in the case of a group assignment‚ the work of my group) and that‚ although I may have consulted others in the course of assembling
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