* American Stock Exchange: A national stock exchange. The AMEX name was first changed to NYSE Alternext US, then became known as NYSE Amex Equities. It used to be a strong competitor to the New York Stock Exchange but the Nasdaq has since filled that role. Today, almost all trading on the AMEX is in small-cap stocks, exchange-traded funds and derivatives. * Amortized Loan: a loan that is paid off in equal periodic payments. * Annuities Due: an annuity in which the payments occur at the beginning of each period. * Annuity: a series of equal dollar payments made for a specified number of years. * Any unsecured long-term debt: Debentures are unsecured long-term debt. For issuing firm, debentures provide the benefit of not tying up property as collateral. For bondholders, debentures are more risky than secured bonds and provide a higher yield than secured bonds. * Bond ratings: Reflect the future risk potential of the bonds. Three prominent bond rating agencies are Standard & Poor, Moody’s, and Fitch Investor services. Lower bond rating indicated higher probability of default. It also means that the rate of return demanded by the capital markets will be higher on such bonds. * AAA and AA: High credit-quality investment grade * AA and BBB: Medium credit-quality investment grade * BB, B, CCC, CC, * C: Low credit-quality (non-investment grade), or "junk bonds" * D: Bonds in default for non-payment of principal and/or interest * Bond Valuation: A technique for determining the fair value of a particular bond. Bond valuation includes calculating the present value (PV) of the bond's future interest payments, also known as its cash flow, and the bond's value upon maturity, also known as its face value or par value. Because a bond's par value and interest payments are fixed, an investor uses bond valuation to determine what rate of return is required for an investment in a particular bond to be worthwhile. * Call provision: a provision that entitles the corporation to repurchase its preferred stock from investors at stated prices over specified periods. (BONDS): An option available to a company issuing a bond whereby the issuer can call/redeem the bond before it matures. This is usually done if the interest rates decline below what the firm is paying on the bond. * Callable Preferred: a type of preferred stock that carries the provision that the issuer has the right to call in the stock at a certain price and retire it. Also known as "redeemable preferred stock". * Chicago Stock Exchange: Small exchange. Doesn’t have an actual trading floor. It’s an electronic exchange. * Claims on assets and income (Seniority in claims): In the case of insolvency, claims of debt, including bonds are honored before those of common or preferred stock. * Compound Interest: The situation in which interest paid on an investment during the first period is added to the principal. During the second period, interest is earned on the original principal plus the interest earned during the first period. * Congress passed in July 2002 the Public Accounting and Reform and Investor Protection Act * Convertibility: Convertible preferred stock can, at the discretion of the holder, be converted into a predetermined number of shares of common stock. * Coupon interest rate: the interest rate contractually owed on a bond as a percent of its par value. * Cumulative dividends: Requires that all past, unpaid preferred stock dividends be paid before any common stock dividends are declared. * Cumulative voting: each share of stock allows the stockholder a number of votes equal to the number of directors being elected. * Current Yield: the ratio of a bond’s annual interest payment to its market price. * Debentures: any unsecured long-term debt. * Direct Securities – financial claims purchased by financial intermediaries with proceeds from the sale of indirect…
facilities and so on are all essential to mission
Chief Financial Officer Senior manager in finance department. They control Comptroller and Tresurer
Different Types of Organizations:
Hospital (Inpatient care), Ambulatory (out patient care), Long term care, Integrated delivery system
Land, buildings, equipment, inventories
4 major types of busines catatgories:
Proprietorship, Partnership, Corporations, Hybrid forms
Proprietorship & Partnerships
*ease of informations…
bacteria, viruses and protozoa. Many of the pathogens that can be spread through drinking water are also spread through other means, including direct contact with people who are sick, contact with animals, contaminated food, and swimming in contaminated pools. Water is essential to human and organisms to live “Drinking water, “2008). Water covers most of the world and makes up more of the world than land. Water comes from different sources. Water may surround us but there are still shortages. Water allows…
I feel like I am standing with my toes at the edge of the deepest pool, staring down into the crystal clear water at my awaited prize lying at the bottom. For eighteen years I have stared at this prize, occasionally dipping my toes into the water but never fully getting in. I know that the prize at the bottom is worth the work, but the thought of me actually jumping in is enough to take my breath away on dry land. I thought I had everything it takes to take the plunge but that is only until I am…
experiences. Some of what I found was similar with other sports, but some was obviously different.
For my swim team, home games were easier to compete at. Our team had cheers that we would do in the pool after warm up and before the national anthem was sang. We would all stand at the shallow end of the pool in a circle, and the team captains would lead the cheers. We would all yell and get pumped up about winning the meet. This would get us excited and ready to swim our hardest. At home meets, our team…
put some “light” over the phenomenon of Dark Pools. Firstly I will give a brief description of what they are, their biggest difference with the normal exchange market, the increasing volume and market share of these Dark-Venues. Secondly I will go through the advantages and disadvantages of trading in a Dark Pool, and finally I will spend some time on how regulators behave and how they should behave about this phenomenon.
A Dark Pool is defined as a trading venue that is alternative…
OF COMPUTERS, VOL. 4, NO. 12, DECEMBER 2009
Dynamic Pool Segmentation Model and
Algorithm in the Car Rental Industry
School of Business Administration, South China University of Technology, Guangzhou 510640, China
Wenzhou Jin and Xiaoni Hao
Institute of ITS & Logistics, South China University of Technology, Guangzhou 510640, China
Email: email@example.com firstname.lastname@example.org
Abstract— Pool segmentation is an essential step in the
households to borrow (usually at a relatively low interest rate) against the equity they have in their home. (Equity refers to the difference between the market value of the home and any mortgage debt.)}
Life-cycle saving – saving to meet long-term objectives, such as retirement, university attendance, or the purchase of a home.
Precautionary saving – saving for protection against unexpected setbacks, such as the loss of a job or a medical emergency.
Bequest saving – saving done for the purpose…
What is a Blow-up pool?
A blow-up pool is classified as a “swimming pool” and
subject to associated regulations when:
Failure to meet these requirements can result in
• It can be filled with water to a depth of
300mm or more; or
• It holds more than 2000 litres of water; or
• It has a filtration system.
In addition you must register your blow-up pool
with the Queensland Government’s pool safety.
If it meets any one of these criteria, you will be
required to comply with a number…
Of Public Swimming Pools
by Daniel Finlayson
Assessing the Acoustic Environment of Public Swimming Pools
Diploma in Acoustics and Noise Control
Leeds Metropolitan University, Leeds, LS1 3HE
Statement of Aims and Objectives
Pool 1 Description
Pool 2 Description