Essays on Deposits

Impact of Policy Changes on Financial Stability of Commercial Banks in India

Paper Due date Abstract The study envisages financial stability of Indian Banks, especially schedule commercial banks, in the backdrop of macro-prudential policy changes. Banks are put under microscopic vision in terms of performing as commercial units while strictly adhering to the policy norms. The effect of regulatory and supervisory policy changes can be evidently seen in stressed performance of banks in the recent years, in-spite of growth in their retail portfolios. The policy changes of increased provisioning for NPAs, improvement in asset account quality, revised guidelines for Net Stable Funding Ratio, restructuring of large accounts and many more have ...

Procter & Gamble is a Multinational consumer goods company which was incorporated in 1905 in Ohio, United States. It manufactures several consumer products and offers around 65 different brands under several product categories such as “Beauty; Grooming; Health Care; Fabric & Home Care; and Baby, Feminine & Family Care” (The Procter & Gamble Company, 2016). The company sells its products in almost 200 countries and conducts on-the-ground operations in almost 100 countries.

Balance sheet

P&G follows generally accepted accounting principles applicable in the Unites States for presentation and preparation of its financial statements. Much like other publically traded companies, P&G also electronically files its annual, ...

Introduction

Bank typology has grown more complex as more formerly niche banking services gain greater customer bases, encouraging different banks to shift focus from the traditional retail banking format to a more complex and specialized arrays of banking services. Moreover, large banks, particularly multinational companies, maintain their retail operations while serving non-retail accounts, such as businesses, investors, and purely online customers (Pritchard, 2016). Further, certain organizations offer banking-like services to its members, such as credit unions and savings and loans associations (S&Ls). Thus, to manage this typological complexity, this explorative paper covers only primary forms described in its most typical ...

Significant Areas Addressed by Management

Cedar addresses the compliance of the guidelines of Government Accounting Standards Board in the city accounting reports. Compliance to (GASB) regulations through the provision of an overview of its financial performance for the fiscal year Accounting Policies Utilized by the City The policies include Analysis of financial statements The policies of liabilities, assets, deposits and investments (Rodenbeck, 2013) Statistical Section The statistical section will cover the computational outcomes of the management decisions. For example Depreciation of capital assets over the respective annual ranges The effects of deposits and investments Determining the values of the net assets, and its liabilities ...

What is a 'Ponzi Scheme', how it Works and How does it Collapse?

A Ponzi scheme represents a fraudulent investment trick where the promoter pays return on investment to previous investors from the money invested by new investors instead of the money earned through profit or gain. Customers are promised to receive higher investment returns, compared to market averages, with no risk at all since they will be paid from the money provided by new clients. This investment scam requires an ample flow of clientele for powering the whole fraudulent system. A Ponzi scheme comes into existence when the promoter is able to cllect initial investment funds from a person. This scheme ...

The trade and investment relationship between Australia and China demolishes the theory of comparative advantage. According to Adam Smith and Ricardo, it makes sense for a country to focus on the production of goods and services it can do efficiently and purchase goods and services it produces less efficiently from other countries. When this theory is applied to the trade relationship between Australia, a rich country and China, a poor country, we arrive at a paradoxical outcome. The introduction of a free trade regime resulting in Australia-China trading relationship implies that Australian consumers will pay lower prices for imported ...

For this assignment, I have selected HIV/AIDS as the health issue and the country I have selected is Sub-Saharan Africa. 39% of the adults in Sub-Saharan Africa are on retroviral therapy. Swaziland in Sub-Sharan Africa, is the country that has the highest prevalence of HIV/AIDS in the whole of Africa and also the world. The prevalence of HIV/AIDS is 27.4% (AVERT, 2017). The total population in the country in 2015 was 1,287,000. In addition to HIV/AIDS, the country is also troubled by other major health issues like Malaria, Tuberculosis, Malnutrition, Alcoholism and Tobacco Use. The population growth ...

1. Misconceptions Money generation remains central to economic activity. The process of how money is generated / created and destroyed is not, in fact, readily understood and is subject to numerous misconceptions. If anything, main conceptions about money creation and destroy assumes a linear conceptualization mode. Typically, money is widely – but mistakenly – believed to be created and destroyed by a direct relationship by which an owner places money deposits in a financial institution which, sooner or later, lends money to borrowers and hence creates more money. In modern era, particularly in a global financial system in which financial transactions ...

The Federal government has limited options to address economic issues. These are generally described as “Fiscal policy” and “Monetary Policy.” In the most general terms, fiscal policy involves government tax and spend programs. The underlying theory is that tax cuts increase consumers spending ability by leaving consumers with more money and government spending provides a more direct stimulus by injecting money into the economy. Fiscal policy is generally identified under the popular “Keynesian Economics” label. Monetary policy, on the other hand, involves the central bank (the Federal Reserve Bank system, or “the Fed”) “adjusting” the money supply through interest ...

Value Chain Product-Based Companies

Introduction Supply chain management refers to all engagements required in over-sighting of the movement of product/services from a producer to the final consumer. As a process, it involves the management of materials, finances as well as information through proper coordination and integration between companies. Supply chain forms the heart of a company’s operations to fulfilling its objectives. Effective supply chain has to create, deliver and maintain an effective value chain in its operations. Here, value chain refers to all internal function’s engagement with external suppliers in order to fulfill the needs of the consumer. In reflection to ...

Wells Fargo is a $222 billion bank with diversified financial services that provides consumer finance services, mortgage, insurance, banking and investment services. It is the leading internet bank and has over 5300 stores globally (Han-Yuh 2007). Wells Fargo is a publicly traded corporation and was founded back in 1852 (DeYoung & Rice 2004). Based on the recently released Forbes report, Wells Fargo was ranked at position 26 in the world based on market value, assets, sales and profits. It is vital to note that this company prides in operating as the first national bank charter in the US and recently ...

Investing in Saudi Arabia Market: Oil and Gas Services

Dissertation Proposal Rationale of the Study The rationale of the study is stipulated by the necessity to extend the analysis of the investment opportunities in Saudi Arabia market, the greatest oil, and gas supplier on the Arab Peninsula. The role of Saudi Arabia in the global economy is determined by the significant amounts of raw hydrocarbon deposits – the explored volumes of oil and gas equal to 40,3% and 22,7% of the world deposit accordingly. The experts estimate the financial assets of public and private Saudi Arabian structures in around $4 trillion. Economic and political processes taking place ...

 Fire Alarm Monitoring- contact Datawatch and have them change status to “testing” during any inspection or anything that could trigger the fire alarm. Fire Alarm Out of Service: Datawatch is the facilitator for fire alarm services in the building. The code of building is 966, and the contact number of Datawatch service center is 240-683-6520. He will take few minutes to come and resolve all the issues related to fire alarm without charging any additional amount as it is a free service.  Roof Leaks- Call Firestone. We use Tecta America as the company that provides the service. Our warranty ...

Fed is the US central bank, and it is concerned mainly with managing the circulation of money in the economy (Banks para 1). It supplies the currency to the economy by regulating how the banking systems lend money to the public. Additionally, the Fed receives the deposits from other deposit- taking institutions since it is statutory requirement that the banks maintain a certain deposit with the Fed. This system often known as fractional-reserve system ensures that the banking system has enough cash (liquidity) to meet their financial obligations. The Fed can raise or lower the banking system’s reserve ...

Saudi Arabia is the world's largest exporter or crude oil, with the country exporting 68% the product to the Asian market. The nation enjoys a market share of 40%, enabling the government to fund a significant proportion of the budget from oil revenue. Consequently, Saudi Arabia was able to accumulate vast financial reserves in the years preceding the current low oil-prices when the price per barrel stood at $120 (Baumeister, & Kilian, 2016). However, the state of affairs has changed in the last couple of years following the drastic decline in oil prices. As a result, the country has experienced ...

Relationship between inflation and interest rates

Introduction Predominantly, most economic agents base their decisions on the current and expected changes in the economic conditions. Variations in interest rates have been used as a major variable by most researchers and policy analysts. Additionally, the behavior of interest rates in the economy has been studied since the interest rate is a significant macroeconomic factor to help in the understanding of how it is related to other macroeconomic variables and its impact on the economy. Primarily, interest rates entail the percentage of the loan that lending institutions charge as interest to borrowers, and it is mostly expressed as ...

A Closer Glimpse on the Key Terms

As previously observed, it is possible to draw parallels between the following essays and movies and play “The ‘Banking’ Concept of Education” by Paulo Freire and Dead Poets Society, “The Achievement of Desire” by Richard Rodriguez and Six Degrees of Separation, and “Ways of Seeing” by John Berger and The Matrix. All three works raise a number of important issues, manifestations of which may be found on the example of the characters of these films and plays. Thus, there are such key terms notions as critical thinking, education, class conflict, racial divide, and power of perspective, which can be ...

Complete each section below, using the spaces provided. See Assignment 2 and the Assignment 2 Fact Sheet for more information. Part One: Planning a website message (15 marks). Answer the following questions with full sentences:

The specific objective of the letter is to inform about the conditions, after actions, and future precautions/ measures to be taken. Also, it is informative to address the point of contact personnel if there is contact needed to accomplish said operations. 2. Who is your primary audience? The primary audience for this message is those concerned. The people are scheduled to use said areas ...

Abstract

There are several heart illnesses which cause a large number of deaths from stroke, coronary artery disease, aortic and peripheral illnesses. The treatment of the illnesses requires a huge amount of funds and time. Therefore, there is the need to improvise or innovate new ways to prevent or detect it on earlier. The sophisticated mechanism needs to be put in place to analyze medical data to give signs of the illness through the application of analytic algorithms to provide definite signs. Technology is evolving bringing about significant changes in the medical industry, especially in electronic health records. It has ...

Natural gas is a mixture of certain types of gas, which are formed deep in the Earth after the decomposition of organic sedimentary rocks. This is a kind of mineral resources, which is extracted along with oil, or as an independent matter. The gas that is extracted from natural deposits, consists of hydrocarbon and non hydrocarbon components. Natural gas is methane, which includes heavier homologues - ethane, propane, and butane. In some cases, it is possible to find a natural substance that has a pair of pentane and hexane. Hydrocarbons contained in deposits can be formed only in the ...

Introduction

Diabetes impacts the body’s capacity to secrete or utilize insulin, a hormone that regulates the level of sugars in the blood. Possible complications that occur due to diabetes include heart attack, cardiovascular disease, and kidneys failure. This research paper analyzes how diabetes impacts the human body.

Circulatory system

Diabetes contributes to the disposition of fats in the blood vessels over time. The fat deposits may inhibit blood circulation and result in hardening the blood vessels, a condition known as atherosclerosis. Baoge and Tao (2015) assert that atherosclerosis is a vital pathologic cause of cardiovascular disease. Also, inhibited blood circulation may ...

The ending checkbook balance is 142.57. The outstanding checks include UNO Bookstore 121.38, blockbuster 6.12, parking sticker 18.50 and student fees 20.00 and the deposits in transit include 4/28 deposit of 75.00. The interest paid on the bank account was 1.15, and the service charges were 7.50. = 142.57 + 121.38 + 6.12 + 18.50 + 20.00 + 1.15 – 75.00 – 7.50 = 227.22 The cashbook ending balances tally with the cash balances of the bank statement where 227.22 is the end balance. The deposits and the outstanding cash deposit are listed as well as other all the credits in the check register which are not in ...

Water Resources

The Moscow city's location gives it access to Palouse River in Idaho as well as Paradise Creek whose upstream basins are the main water resources in the area. The Palouse River is from formation of the lava basins on both sides of the Moscow mountain that describes its high gradient at its youthful stage and thus flowing fast as it loses its height down the mountain. Just like most of the streams in active tectonic areas, the Palouse River has a straight channel considering the existence of alluvial fans as well. Regarding the fact that this stream has its ...

Education as a Practice of Liberation

Introduction Paulo Freire is the ideologue who formulated and offered his vision and approach to modern education. In the essay, "The Concept of Banking Education”, Freire states that in the modern education system mechanical approach dominates, so he offers his own problem-posing educational method, which allows studying freely. Those, who truly seek after the liberation, should completely reject the "banking" concept of education, and instead embrace the concept of humans as thinking beings and consciousness, which is oriented to the world. This definition of Freire’s approach is "explicit". Such people should stop to consider the purpose of education " ...

Part A - The impact of accounting on the IT Development 4

Part B – Question 1 - Introducing or Upgrading Computerized Accounting Systems 5 (a) Advantages and Disadvantages of using a Computer Accounting System 5

Advantages 5

Disadvantages 5 (b) Considerations when setting up a Computerized Accounting System 6

Completion of an Accounting Cycle 6

Recording all Transactions from Manual Trial Balance 7 Running a Trial or Testing Phase 7 Verification of the Computerized Accounting System 7 (c) Chart of Accounts and Coding Structure is Followed by Impetus Limited 8

Part B – Question 2 - Accounting Packages 8

(a) The Features of an Accounting Package 8

Security 8

Reporting 9 Interdepartmental Operations 10 (b) ‘Module’ in an Accounting Package and its Purpose 10 (c) ‘Integrated’, ‘Semi-Integrated’ and ‘Non-Integrated’ Modules ...

Working in this new environment was a good experience because it helped me greatly. It was important that I could use what I had learned to make better progress as well as change my environment. I was supposed to collect the financial deposits, record them then put them in the bank. It was an aspect that required discipline, patience, and care because I was taking care of other people’s time and money in this place. I needed to have the trust of everyone in the company because it was a chance to experience something new while working there ...

Most of the services offered by a bank are largely financial in nature. However, the terms Assets and Liabilities have a different meaning when it comes to banks. For instance, assets in banking terminology would indicate fund usage, while liabilities in case of banks would, in fact, be a source of funds for banks. This essay will consider five different services or function that a bank offers and would explain with reasons if the said service is an asset or a liability, while also evaluating the services and providing an overall impression of the same. This essay considers the ...

Financial institutions and financial markets play a massive role in guiding the international economy. The financial industry is the purveyor of credit in the market, allowing individual investors to prepare for their retirement and consumers to purchase homes. The financial industry also works closely with the central banking system of the countries they are located in through legislation and interest rate control, directly relating them to the machinations of the central banking authorities. The roles of financial institutions have changed over time, developing as economics advanced and more needs accrued. Banking institutions were originally created for people to store ...

Introduction

Alzheimer’s disease is a known common cause of loss of mental function that is broadly known as dementia. It is a disease that gradually proceeds in stages that destroy memory, reason, judgment, abstract thinking, and the ability to perform simple tasks. Dementia is a group of symptoms that are often characterized by a decline in intellectual functioning that may interfere with the daily activities and the social interactions of a person. Statistics indicate that Alzheimer’s disease was the underlying cause of more than 83,000 deaths in 2010 and thus identified as the sixth leading cause of ...

Leonardo Pisa of Italy

Leonardo Pisano (Fibonacci) (1170 – 1250) was a popular Italian mathematician of the Medieval Period that made significant contributions to the history of finance. He was the first person to develop the value analysis concept (retracement) that compares the economic value and the contractual cash flow. Influenced by the economic evolution in the Mediterranean, he made lifetime discoveries that had a profound impact on public finance and capital enterprise in Europe. In his arithmetic book, ‘Liber Abaci’, Fibonacci expressed his discoveries of the mathematical concepts in commercial trade. He developed mathematical concepts of interest rates, calculation of profits, conversion of ...

1.0 Tectonic Setting of South China Hong Kong, which is located near the southeastern margin of the Eurasian Continental Plate (ECP), called the Cathaysia Block, in Southeast China, rests on a stable intraplate region of the ECP some 700 km from its nearest plate boundary, an area that underlies Taiwan and trends southward to the Philippines and northeastward to Japan (Pappin, Koo, Free, & Tsang, 2008). Although stable, this continental intraplate region has been associated with earthquakes in the past as it straddles the northeast-trending Lianhuashan Fault Zone. There are two major fault zones, which trends in the regional northeast ...

Fighting global poverty is one of the most important problems to be solved for mankind in our time. This issue is of great importance not only for developing countries, where the number of poor people is huge. The poverty of people around the world is also a challenge for developed countries, since, in spite of the inner well-being, these countries are also influenced by the negative consequences of ill-being in other countries. Everything in our world is interconnected, so, for the sake of human welfare as a whole and an individual, in particular, it is needed as soon as ...

Business Report

The A2 Milk Company Statement of Academic Honesty This assessment has been written by me and represents my own work. This work has not been previously submitted. All sourced information has been appropriately acknowledged and ARA referenced. I permit this assessment to be copied for academic processes (such as moderation). I have retained a copy of this assessment electronically.

Part 1 – Introduction

1.1 What is the name of the Entities Reporting (Quote the page number from the Annual Report)

Answer:

The name of the entity reporting is company FMC. It is created for the purpose of part 7 of the Financial Markets Conduct ...

Abrigo do Lagar Velho is a rock-shelter in the Portuguese valley that is famous for the stratigraphic range of the Upper Paleolithic human occupations within that area.

Absolute dating technique (chronometric dating) refers to the process of revealing the age on a certain time scale.

Acclimatization is the response of an organism to a gradual change in environmental conditions by adjusting and sustaining within these changes. Acheulian (Acheulean) is a tool made of stone that had round cutting edges and was used during the Lower Palaeolithic era.

Adolescent growth spurt refers to the sharp growth in height and weight rates t during adolescence.

Aegyptopithecus refers to the extinct primate of the Oligocene Period, resembling a modern-day lemur, whose fossils were found in Egypt. Afar Triangle is the region that is part of the ...

This research is used to investigate the efficiency levels in the banking sectors in various Arabian countries, while considering the role of economic development and different financial reforms taking place, and how these reforms impact the banking industry performance and efficiency (Al-Jarrah, 2007). The comparison of these financial institutions to American or western culture nations shows how these reforms can help or cripple banking industries around the world. Efficiency estimation techniques can be categorized into two groups including parametric and nonparametric methods. Data Envelopment Analysis (DEA) is an example of a nonparametric method of analysis, which is believed to ...

Community bank is an independent, small and locally-owned commercial bank, which operates and obtains its funds solely from the community, where it is based. Community banks focus on providing traditional banking, derive deposits locally and mostly make loans to local businesses. It is widely known that today community banks provide most of the loans to our nation's small businesses and are an important financial resource to small cities. Because of that and because of the fact that they have knowledge of their local community and their customers, they are called “relationship” banks. They base their credit and loan decisions ...

Introduction

Natural resources for decades have always provided many nations with the affluent source of wealth that helps in building their economy. As such, many of the countries that majorly depend on the natural resources such as copper, oil, gold and uranium often embark on intensive mining practices to ensure their natural reserves are productive and can offer sustainability to their economies. Due to their dependency on these resources, the countries often have structures and laws that govern how they handle the resources in every stage to ensure maximization. It is important to highlight that the resources are most often ...

Chapter 2: Literature Review

Introduction The chapter consists of all the relevant information that can be collected from past studies and are combined to present a clear view. It is the initial for determining the factors that can be used to synthesize the overall study through findings and discussion. The positivist approach is used to collect and summarize the information from the previous studies and determine the model that can be used to conduct a viable study. The positivist approach emphasizes all the relevant information regarding the topic that is to compare Islamic and Traditional banks using data envelopment analysis. The theoretical framework ...

INTRODUCTION

Mongolia is located to the north of China and is said to host 10% of the world’s known coal reserves which is estimated to be equivalent to 162 billion tons. Coal export accounts for the largest chunk of total Mongolian gross domestic product (GDP) at roughly 22%. This is equal to approximately 80% of the county’s exports (Voroshilov 34). In the country, production and exportation of coal, specifically coking coal, is primarily undertaken by the Mongolian Mining Company (MMC). Coking coal refers to a type of coal that is absolutely essential to the process of steel production. ...

1) Which were the primary causes of the Great Depression? According to Walton and Rockoff, an acceptable explanation for the Great Depression has to distinguish between the initial forces, which brought a downturn in financial activity, and later events, that turned a downturn into a calamity. We can detect two issues on the economy that foreshadowed the real slump in economic activity. First, there was a decline in the construction industry that began 1925, that had a significant impact on the depression. Second, the agricultural sector suffered greatly, with falling world prices and massive indebtedness (422). Walton and Rockoff ...

Conclusion about the economy

The conclusion made after the April 27th FOMC meeting is that the interest rates paid were to be left unchanged while the excess reserves balances will be charged a 0.50 percent. In addition, as a decision policy, the board voted towards authorizing and directing the Open Market Desk at New York’s Federal Reserve Bank and until further instructions are given, the transactions will be executed in the System Open Market Account. This will be in accordance with the domestic policy directive that was earlier initiated. Ensuring that interest rates are not increased will foster economic development as firms ...

Introduction to Mongolian Financial Institution System

Introduction Following seven decades of communist rule, Mongolia adopted democracy in 1990, closely followed by a shift to a market economy (Wagner). The transition has been beset with turmoil, and the Mongolian financial system has undergone crises in ‘1994, 1998 and 1999’ (ADB), primarily due to the government’s predilection of interfering in the lending policies of banks and directing credit to poorly performing enterprises. More recently, the global financial crisis of 2008 and a drop in copper prices triggered another financial crisis in Mongolia, prompting the government into entering a standby arrangement with the IMF till 2010. The ...

The Savings and Loan Crisis, or commonly known as S&L, is termed as one of the largest financial crisis in the United States history. The crisis began in the late 1970s, and its impacts on the economy were felt in the 1980s and ended in the early 1990s. Various sources have indicated the causes of the S&L crises. Some of the documented reasons include high and volatile interest rates during the period, the phase-out and its elimination, negative regional economic conditions, and federal and state deregulation of depository institutions. Other reasons include deregulation of the thrift industry, declining regulatory ...

(Reforming the financial systems)

Introduction

The term financial crisis is mainly applicable to situations where certain financial assets suddenly lose a large part of the nominal value. Through the crisis, the financial institutions equally lose value and become incompetent in the local as well as international financial markets. Financial crisis is a major cause of economic crisis where the economy experiences a downturn in liquidity as well as unpredictable inflations. However, when the financial crisis occurs several things may be done as a solution but the reformation of the financial system is one of the actions that may be undertaken. ...

[Economics]

However, if you take a look at the history of the development of banking, the first evidence of some kind of bank prototype was seen in XII century in Genoa. In Italy at that time there were lots of bankers – money-changers who put their coins on the table. Originally, bankers in the XIII century, mostly known as Lombards, gradually outweighed the Jews who were proficient in money-landing. The Italians brought in business skills, enhanced by their invention of double-entry book-keeping. Such cities, like Milan, Genoa, Siena and Lucca earned much earnings from this new trade. However, Florence took ...

International finance

Question 1: Uses of the balance of payment data It is used in the recording of economic transactions of the residents of a particular country to the rest of the world within a given period. Current account shows the total net amount a particular country is earning if it’s in excess or spending when in shortage. It’s calculated by net income from exports fewer payments from the imports. While the capital account; deals with the recording of the ownership of the foreign assets. It involves the reserve account and loans and investments a country and the rest ...

When a person wants to lose weight, he just wants to get rid of excess fat. However, in the reality it often turns out that the majority of modern diets and training methods cannot burn fat. The result is that people together with fat lose muscle mass.

The Role of the Thyroid Gland

Low thyroid hormone level often causes a general slowing of the metabolic rate, including the inhibition of processes of fuel utilization by muscles, lack of power, increased sensitivity to cold and catarrhal diseases. Today low-carbohydrate ketogenic diets have high popularity. People suffering from insulin resistance may gain an advantage from them by ...

Technological innovations have had various effects on the prices of oil all over the world. Many countries have been affected either positively or negatively by the advancement in technology, especially in the oil business. There has been a drop in the prices of oil due to various reasons. Many countries which produce oil, especially the Gulf States and the general Fly Emirate members have had a terrible economic situation due to the drop in prices of the oil prices, which acts to be the primary source of income for them. The advancements in technology are expected to bring an ...

On the turn of the year 2010, major advances were made by the bank towards achievement of its primary objectives of raising customer services provision and increase the level of satisfaction. They were ranked as the number one ATM services provision network with an exemplary level of machine distribution (Riyadh Bank Annual Report 2010). The strategic objectives include are inclusive of but not restricted to bank assets while preserving the asset quality and capital base while ensuring maximum returns to its shareholders. Performance improvement has seen the bank continue with its Performance Transformation Program that has helped the company ...

Introduction

Money plays a vital role in the determination of income and employment . interest rate are a significant determinant of aggregate spending ad the Federal Reserve which controls the money growth and the interest rates is the first institution to be blamed when the economy of in trouble. Now the question arises what is money.

Money Definition

Money is a medium of exchange. Money is divided into commodity money and token money. To some economist there is difference between commodity money and token money. A commodity money is a medium of exchange which has a commodity value as distinct from a value ...

Introduction

There are various types of financial instruments including equities, treasury bills, bonds, mutual funds, deposits and cash equivalents. Equities refers to securities that represent ownership in a company and are traded (can be sold and be bought) in the stock markets. They can also be purchased through IPOs; meaning directly buying from a company. Investments in this category are normally considered long term option and have higher returns considering their long term horizon. However, the instrument lo bears high risk. On the other hand, the mutual funds allow groups of investors pool together money that is then professionally managed ...

a) The ratio of average equity to the average assets improved in the last five years from 2010 to 2014. The value increased from 8.30% to 10.37%, the previous value for a company in the financial sector as banking is a value over the average value of the industry of 10%. A higher ratio of equity over assets gives the confidence to the clients that the bank has at least one dollar per ten dollars that the company “owns” to the clients in the form of deposits. The ratio of return on average assets improved slightly from 1.10% to ...

NATIONAL PARKS

National Parks Introduction Acadia National Park The Acadia National Park is federal parkland located in New England, United States. This national park is made up of mountains, lakes, woodlands, ocean shoreline and so forth. It also includes a small island located to the southwest of Mount Desert Island, and parts of Baker Island, also nearby. This makes up much of the Isle au Haut. A part of the Schoodic Peninsula situated on the mainland of Maine is also included in this park. The national park is the first to be established in the East of the Mississippi River and ...

There are several uranium deposits in the area that the developer wishes to build the resort. For example, in the Maritimes Basin and the crystalline basement in the Atlantic part of Canada. There is an abundance of uranium in the sandstone that is similar to the deposits found in the ground in Texas and more throughout the western part of the United States. The acknowledgement of the severely weathered granitites beneath the unique Windsor area in the South Mountain Batholith does suggest a link to similar areas much like the Athabasca Basin in Saskatchewan. The area has a large ...

Carlsbad Cavern National Park 2

General Information 2 Geology 4 Climate 8 Wildlife and Biodiversity 9 Environmental Issues and Concerns 10 A Day in the Park 10 The 8th wonder of the earth Carlsbad Cavern lies in the heart of the United States of America in New Mexico. The park has an approximate of 118 caves and attracts an estimated number of 500,000 tourists yearly. It lies in the underground world and provides an amazing scenery to any tourist who visits the park. It offers vast subterranean chambers, incredible cave formations, and unique features. Touring the park will require some walking, crawling and ...

Question 1:

Ernest Rutherford is sometimes referred to as the “Father of Radioactivity”. Rutherford made many contributions to research into radioactivity and the nature of an atom. Outline his contributions. Rutherford contributed greatly towards the experimenting, studying and understanding of radioactivity, and the atom. His initial contribution was the discovery and definition of the electron. The Nobel laureate proposed the Rutherford atom model that replaced the Thompson model. This provided an excellent basis for future work into the studying of atoms, as well as, their physical and chemical properties. He was involved in research aimed at splitting the atom leading to ...

Geography Assignment

Geography Assignment

Question one

Ernest Rutherford made remarkable contributions towards radioactivity and the nature of the atom. He was the first man on earth to discover that atoms have a small nucleus that is charged and its surrounded by space which is circled by very tiny electrons. This was what became to be known as the planetary model or Rutherford model of the atom. Rutherford collaborated with Fredrick Soddy on research on transmutation of elements. The two researched in X-ray effects based on conductivity of gasses ("Ernest Rutherford: Father of nuclear science," 2014). This is where they came up with the ...

Ernest Rutherford and his contribution in radioactivity

Ernest Rutherford is termed as the Father of Radioactivity and nuclear science. Rutherford, who born in 1871 and passed on in 1937, discovered alpha and beta rays. He set forth the law of radioactive decay, identified the alpha particles as helium nuclei. Rutherford postulated the nuclear structure of an atom. His contribution to Radioactivity came from an experiment he demonstrated by firing alpha particles into gas atoms where few particles were seen to deflect. This implied a dense, positively changed central region of an atom contained an atomic mass (Dardo, 2004). Figure 1. Top: expected results, alpha particles passing ...

Geography Assignment

Geography Assignment

Question one

Ernest Rutherford is a renown physicist who is known as the father of nuclear physics due to his enormous contribution in the field of radioactivity. Rutherford discovered the concepts on radioactive half-life which assisted in proving that radioactivity is involved with transmutation of a single chemical element to the other. The physicist also differentiated and named the beta and alpha radiations. Rutherford was the first person to design and undertake highly original experiments that had alternating currents as well as high frequency. In his second paper, which was about magnetic viscosity contained a description of time apparatus ...

Introduction

The following discussion entails three questions, which are all based on radioactivity with respect to geology. The three questions are further subdivided into three subtopics: Biography of Ernest Rutherford, weathering, and practical consultation.

One of the most recognized personalities in the world of discovery is Ernest Rutherford. This is due to his efforts in chemistry-related research which led to a number of discoveries. Ernest carried out his education mainly in New Zealand, where he was born and brought up. At first, Rutherford did research into the magnetic properties of iron when exposed to high-frequency oscillations. This made him one ...