firms. The competition from the internet discount brokers like Ameritrade‚ E*trade etc cut into the market share and transaction fees‚ the company¡¦s main source of income. In Chuck¡¦s own words‚ ¡§we lost our connection with our clients and our market place¡¨. Talk to Chuck (TTC) Campaign Schwab worked with the ad agency Euro RSCG to create the Talk to Chuck campaign. After a six month test in 2005 covering Chicago‚ Denver and Houston‚ the campaign was launched nationally on Sept‚ 2005. Market¡¦s
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ON ASSET LIABILITY MANAGEMENT IN BANKS ABSTRACT: In banking‚ ASSET AND LIABILITY MANAGEMENT (often abbreviated ALM) is the practice of managing risks that arise due to mismatches between the assets and liabilities (debts and assets) of the bank. This can also be seen in insurance. Asset liability management (ALM) is a strategic management tool to manage interest rate risk and liquidity risk faced by banks‚ other financial services companies and corporations. Asset-liability management basically
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2014 Finning Tractor and Equipment Company Limited Introduction: The purpose of this memo is to summarize my analysis on the case regarding “Finning Tractor and Equipment Company Limited” which is the largest distributor of caterpillar products in North America. In this memo I will provide financial analysis on the company. In addition‚ I will focus on the dividend policy implemented by the board of directors and how it correlates to the performance of the company. Background information: Finning
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OCCUPIERS LIABILITY The occupancy of premises is affected by two statues: 1) The occupier’s liability act 1957. Under this act there is a duty to keep safe and lawful visitors to the premises 2) The occupier’s liability act 1984. Where an occupier may owe a duty to protect trespassers onto the premises. LAWFUL VISITORS A lawful visitor has permission to enter premises. This can be expressed permission of implied. There are four situations covering implied permissions: 1) If the occupier
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effective counselor April R. Tessmer Liberty University Author Note I ’d like to acknowledge the wonderful help that I received from one of the finest professors at Liberty University Online. I am very grateful to you‚ Dr. McCarthy‚ who provided me with the much needed suggested improvements and gave me the tools to complete this research paper. Thanks! Abstract The characteristics that make up an effective counselor are the personality traits that really define the counselor. Several
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TOPIC: WHAT IS TORT‚ AND TORTIOUS LIABILITY ? From a legal standpoint‚ a tort is a private or civil wrong or injury (other than a breach of contract) for which a court of law may provide a remedy through a lawsuit for damages (compensation). For example‚ when a person violates his/her duty to others created under general (or statutory) law‚ a tort has been committed. Tort law relies heavily on the common law‚ the legal opinions of the Courts‚ general trends in the community‚ and legal scholarship
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Philosophy of Counseling Janice Gallagher‚ former president of the American Association for School Counselors‚ said‚ “Counseling children is like working with an array of different gems and stones. Some are perfect as they are. Others need a little polish to shine‚ and still others need to be examined for preparation before they are shaped to be the most beautiful and functional…Each is different‚ each is beautiful in its own right and‚ most important‚ each has value.” (Hopkins‚ 2005) This statement
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Ethics In Counseling Ivan C. Brooks Jr. Capella University Suicidal thoughts typical stem from some trauma that one might be subjected to sometime in their lives. Suicide is not the answer but sometimes its what people seek for to obtain closure. I will discuss a situation where a sexual relations what used to rationalize an inappropriate and ethically wrong situation by a counselor. This is taken direct from the text: Dorothy‚ age 23‚ seeks counseling from Gerald‚ an LPC in private
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Technology in Counseling Argosy University/Atlanta Abstract Technological advances have opened many doors for the counseling field. These innovative changes incorporate the way services and information are disseminated and retrieved by practitioners and client. This paper looks at the commonly uses of communication modalities ethical issues‚ code of ethics‚ advantages‚ and disadvantages with online counseling. This paper also looks at the California Telemedicine Development Act of 1996.
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tasks. They‚ too‚ must be praised for their contributions to the overall success of the unit. Praise should be a part of every leader’s normal day-to-day leadership action. Its contribution to soldier development cannot be overstated. Development counseling is a type of communication that leaders use to empower and enable soldiers. It is much more than providing feedback or direction. It is communication to help develop a soldier’s ability to achieve individual and
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