compensating balance or minimum required account balance allows the banker to generate a higher return on a loan because not all funds are actually made available to the borrower. A $125‚000 loan with a $25‚000 compensating balance requirement means only $100‚000 is being provided on a net basis. This benefit to the lender need not be a disadvantage to the borrower. The borrower may‚ in turn‚ receive a lower quoted interest rate and certain gratuitous services because of the compensating balance
Premium Accounts receivable Generally Accepted Accounting Principles Interest
About the Species History and Current Status Population and Distribution The Eastern Tiger Salamander is The tiger Salamander Habitat The Tiger Salamander is widely distributed across North America‚ ranging from Alberta and Saskatchewan south to Mexico‚ east to the Atlantic Ocean‚ west to the eastern edge of the Rocky Mountains. There is a separate population in Washington‚ Oregon‚ Idaho and southern British Columbia. In Ontario‚ the Tiger Salamander was recorded from Point Pelee
Free Canada United States Ontario
attention and affection XXXX. The effects of "dethronement"‚ or lack thereof in the case of only children‚ determine such personality traits as responsibility‚ attitudes toward authority‚ self-esteem‚ and achievement motivation. According to this theory‚ oldest children are significantly different from youngest children because the first-borns suffer the effects of dethronement while the youngest children do not. Only children possess the characteristics held by first-borns before their "dethronement" occurred
Premium Family Birth order Personality psychology
Quiz 2 Corporate Finance NAME ______________________ Apring 2013 2012 70 pts Show all work MC=5pts each 1. Find the EPS (y-axis) // EBIT (x-axis) crossover point of the following two capital structure plans. Complete the table and Draw the graph and show all the points including crossover‚ where line crosses y-axis‚ and the three EBITs below 30pts Assets = $3‚000‚000 Stock Price = $20 Interest Expense = 12% PLAN I D/E = 1.1 Recession Expected
Premium Finance Weighted average cost of capital Stock
the market strategy behind the introduction of Exact! Universal Apparel. In the past‚ the Foschini Group owned a chain store called Pages. Pages had been a successful chain in the past‚ but it targeted a different market to the target market identified by Exact!. Pages target market was focused on the LSM 2 – 4 market.‚ whereas Exact! Target market focused on LSM 4 – 8. In this assignment‚ I have identified the problems and challenges facing Exact!‚ the various marketing strategies that can be
Premium Marketing Retailing
Only The Heart is a novel written by Brian Caswell and David Chiem that tells a story familiar to many Australians. A Vietnamese family is threatened‚ pulled apart by the war in that country. Some of its members disappear; hard-earned wealth is lost. The novel leads the reader to a new understanding of refugees with the demonstrated views of pain‚ determination‚ survival and freedom‚ which are brought to life throughout the novel. The fall of Saigon in 1975 provides the momentum for Mai and her daughters
Premium Australia Mother Vietnam War
“Sixty-Nine-Cents” by Gary Shteyngart In the article‚ “Sixty-Nine-Cents”‚ Gary Shteyngart writes about his first trip to Disney world when he was fourteen years old. Although Shteyngart’s family already immigrated to the U.S at that time‚ but his family still not blend to the U.S style life. In paragraph 8‚ Shteyngart describes the Russian style lunch that his mother served for them when they were in McDonald. He writes the detail of the lunch in order to show how his family still remain their old
Free United States New York City Immigration to the United States
The three main domains affected by the “Internal Use Only” are the User Domain‚ Workstation Domain‚ and the LAN Domain. 1. User Domain: This Domain is where only one user will have access to it. This can be configured to internal use only. By default‚ the IT department tries to maintain a certain level of Security for this‚ so that nobody can access from the outside‚ only the IT Department can grant access privilege for Remote Access Point. The User Domain will enforce an acceptable use policy
Premium Authentication Computer security Authorization
offer and for the original offer to create a floor. Go-shop process is meant to help ensure that the board of directors fulfills its fiduciary duty to make sure shareholders get the best deal possible from the transaction. 4. Why were so many investment bankers involved in this transaction‚ and what were their respective roles? Many banks had supporting roles in the acquisition. Independent advisory banks put the deal together and did most the work. Bank of America Merrill Lynch was Heinz’s
Premium Stock Warren Buffett Fiduciary
----A STORE FOR YOU The name of the store is Sonics A store for you. This store sells many different kinds of things such as clothes‚ accessories‚ shoes and many more things. The target market of this store is: that it sells to all age groups (from newborn to older people) and all genders. Product and Service Management The sales are located at the back of the store. It is in the back because people have to go through the entire store to get
Premium Marketing Sales Customer service