...about the different types of funds and their classifications by going to the Bloomberg’s FUND screen: FUND <Enter>; click “Fund Functions” and “Fund Lookup”; or enter MFOD and click type: Equity, Debt, Money Market, Real Estate, Commodity, or Alternative. 2. The performances of funds by type (e.g., mutual, hedge fund, ETFs, and unit investment trust) can be found on the Fund Heat Map Screen, FMAP. Use the screen to identify the top performers based on total return for several types: FMAP <Enter>, Click “Fund Type” in “View By” dropdown. 3.) alternative) can be found on Bloomberg’s Fund Heat Map Screen, FMAP. Use the screen to identify the top performers based on total return for several objectives: FMAP <Enter>, Click “Objective” in “View By” dropdown. 4. Use the Bloomberg fund search screen, FSRC, to search for the following types of equity-type funds and ETFs: a. Fund Type: Open-End; Classification (Asset Class Focus): Equity; Fund Strategy: Growth or Growth and Income; Analytic criterion: Input total return for one year of greater than X% (e.g., 20%) b. Fund Type: Closed-End; Classification (Asset Class Focus): Equity; Country of Domicile: select (e.g., U.S.); Analytic criterion: input total return for one year of greater than X% (e.g., 20%) c. Fund Type: Open-end; Classification: Industry Focus: Select industry (e.g., technology); Analytic criterion: input total return for one year of greater than X% (e.g., 20%) d. Fund Type: Open-end; Classification...
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...Deposit accounts can be used to manage everyday expenses, keep track of personal cash flow and save for the future while earning a return. There are many different types of deposit accounts, each offering a means to achieve specific goals. In the following pages, I will break down some different types of accounts, discuss their purpose and show how each one can make achieving personal financial goals a simpler, more attainable task. Demand Deposit Accounts, or DDAs, are accounts offered by financial institutions such as banks and credit unions that allow account holders to deposit and withdraw funds and perform many other types of transactions. These accounts are called demand accounts because they give the client access to funds upon demand, either limited or unlimited depending on the type of account. The main purpose of these accounts are to offer clients, personal or business, a secure means of storing, transferring, spending, or saving money. The first and most common type of DDA is a checking account. A checking account offers the convenience of being able to deposit and withdraw funds and issue checks, or drafts, to transfer money to any individual or business. This is a much safer way to keep money that is used for everyday expenses because it is insured by the federal government and usually requires some type of identification to access funds. If checks are lost or stolen clients have the ability to issue a “stop payment,” which means that the lost or stolen checks...
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...The two business’ selected by me to complete this criteria are Oxfam and MacDonald’s. I will be explaining both types of each company and i will also explain the purpose of their existence and also describe their type of ownership. Oxfam Oxfam is a company that is run by people who are looking to do some voluntary work or also to get work experience. This company focuses more on raising money to help the less fortunate. They do this by simply gathering human resources from the company and set them on travelling spots or just regular places where people can pass by and generously give their money to this charity organisation. They also pay some shops to have little money savers so they can gather more income in different places. By doing this they are raising money to help fighting poverty in all corners in the world, and this is what Oxfam is about, helping others. As integrated in the business world this company would be very likely to survive in case of no capital flow within the company. This company also has it’s own products in order for the business to be kept alive. Oxfam can also sell second hand stuff people donate to them in order to make money to keep on fighting poverty worldwide. Oxfam has also got its website, which means they can be globally active. They sell all sorts of clothes from shirts to jeans, shoes to accessories and much more for female and male. Oxfam also sells gift sets that can bring the company some more income. The purpose of the Oxfam...
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...Deposit accounts can be used to manage everyday expenses, keep track of personal cash flow and save for the future while earning a return. There are many different types of deposit accounts, each offering a means to achieve specific goals. In the following pages, I will break down some different types of accounts, discuss their purpose and show how each one can make achieving personal financial goals a simpler, more attainable task. Demand Deposit Accounts, or DDAs, are accounts offered by financial institutions such as banks and credit unions that allow account holders to deposit and withdraw funds and perform many other types of transactions. These accounts are called demand accounts because they give the client access to funds upon demand, either limited or unlimited depending on the type of account. The main purpose of these accounts are to offer clients, personal or business, a secure means of storing, transferring, spending, or saving money. The first and most common type of DDA is a checking account. A checking account offers the convenience of being able to deposit and withdraw funds and issue checks, or drafts, to transfer money to any individual or business. This is a much safer way to keep money that is used for everyday expenses because it is insured by the federal government and usually requires some type of identification to access funds. If checks are lost or stolen clients have the ability to issue a “stop payment,” which means that the lost or stolen checks...
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...Actually the money deposited in any bank is mostly the saving of the people. As you know, if someone earns money and has regular income, he or she not only spends it for day-to-day expenses but also tries to save a part of the income for future needs. Money may be needed in future for various purposes like medical treatment in case of illness in the family, expenses on account of marriage, or for higher studies of the children, or to celebrate religious festivals, etc. The money saved to meet future needs may be kept at home. But will it be safe at home? It may be stolen. Moreover, the money saved will remain idle at home without any return. So people keep their savings with someone where it will be safe and earn a return. Bank is such a place where money once deposited remains safe and also earns interest. In this lesson, we shall learn about the types of deposit accounts that can be opened in a bank, and also discuss how a savings bank account can be opened and operated. 16.1 Objectives After studying this lesson, you will be able to: classify bank deposit accounts; discuss the steps to be taken for opening a Savings Bank Account; and describe the procedure of operating a Savings Bank Account. 15 Business Studies 16.2 Types of Bank Deposit Accounts Bank deposits serve different purposes for different people. Some people cannot save regularly; they deposit money in the bank only when they have extra income. The purpose of deposit then is to keep money safe for future...
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...Personal Perception of Organized Crime CJA/384 February 24, 2014 Abstract Organized crime does not have a specific race or ethnic background that it is associated with. Organized crime may be committed by two or more people that are embezzling money, or it may be committed by one low level criminal that is committing illegal acts on the streets of America. There are numerous characteristics that are associated with organized crime, such as, embezzlement, racketeering, money laundering, and violence. One thing that each person who commits organized crime has in common is that it is done for the same reasons, which is to gain money illegally and power over another person. Law enforcement officials do everything in their power to stop this illegal activity, but it is also citizen’s duty to report it to officials. Each member of society should familiarize him or herself with the true definition of organized crime, because otherwise one may find themselves a victim of this horrendous and deceitful act. Everyone has a personal opinion on what organized crime is, who commits it, and what it consists of. Most...
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...101 → 4 Types Of Bank Accounts Explained Subscribe to news about Banking & Credit 4 Types Of Bank Accounts Explained Share comments There are many types of bank accounts for consumers to choose from and each will be able to provide benefits for his or her circumstances. Ads by Google Open A Demat Account Get a Demat, Savings, Trading & MF All-in-1 Kotak Account. Sign Up! www. KotakSecurities. com Checking Account A checking account offers a quick and convenient way for people to access their money as often as they need. You cannot earn interest with most checking accounts, however. Savings Account A savings account offers a simple, hassle-free way to save money. Banks usually set a minimum balance to open and/or maintain these types of bank accounts. The benefit of a savings account over a checking account is that money in the account accrues interest. The downside is that the number of allowable transfers or withdrawals is limited. Money Market Account A money market account combines the benefits of a checking account and a savings account. You can withdraw funds from the account, and you benefit from a high interest rate. Like other types of bank accounts, money market accounts generally require a minimum balance to open and maintain the account. Some banks limit the number of transfers you can make with a money market account however. Certificate of Deposit (CD) A Certificate of Deposit offers bankers a way to save money for a specified...
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...Types of White Collar Crime Leg200001VA016-1122-001 White collar crimes are crimes that are committed by a person or persons of middle or higher status within their occupation. These types of crimes are considered nonviolent. Generally, the trusted and valued employee commits this type of crime within a company. White collar crimes include insider-trading, conspiracy, embezzlement, fraud, forgery, money laundering, and a few others. These crimes are ones that people of a higher class perform because their occupations put them in a position in which they are able to execute these types of crimes. You would not find a poor black man committing crimes of this nature. He would not generally have the means to perform crimes of this type. It would be rare for you to find a person of higher class to commit street crimes such as assault, robbery, rape or other illegal acts. Younger people generally perform street crimes while middle aged or older people commit white collar crimes. Age does not happen to be the only way in which these crimes differ when generalizing who is committing these crimes. You can also say they are gender committed. This means that on a whole more men execute these types of crimes than women do. When you look at the opportunity in which one person is able to commit a white collar crime, we say they can use their employment to gain access to commit those types of crimes. An accountant has the ability to change the books or alter them if they are taking...
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...Types of White Collar Crime White collar crimes are crimes that are committed by a person or persons of middle or higher status within their occupation. These types of crimes are considered nonviolent. Generally, the trusted and valued employee commits this type of crime within a company. White collar crimes include insider-trading, conspiracy, embezzlement, fraud, forgery, money laundering, and a few others. These crimes are ones that people of a higher class perform because their occupations put them in a position in which they are able to execute these types of crimes. You would not find a poor black man committing crimes of this nature. He would not generally have the means to perform crimes of this type. It would be rare for you to find a person of higher class to commit street crimes such as assault, robbery, rape or other illegal acts. Younger people generally perform street crimes while middle aged or older people commit white collar crimes. Age does not happen to be the only way in which these crimes differ when generalizing who is committing these crimes. You can also say they are gender committed. This means that on a whole more men execute these types of crimes than women do. When you look at the opportunity in which one person is able to commit a white collar crime, we say they can use their employment to gain access to commit those types of crimes. An accountant has the ability to change the books or alter them if they are taking money from the company...
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...life-blood of the communities they serve. They meet the financial needs of consumers, families, small businesses, foundations and not-for-profit organizations. When the too-big-to fail institutions were worried about their credit default swaps, derivatives, sub-prime loans, and the Troubled Asset Relief Program (TARP) they turned off the lending spigot, while community banks didn’t stop lending (Geelan T. , 2011). So how did we get to where we are? At one point in time, banks would refuse to lend money to people with poor credit history or no income. There were pretty tight qualification guidelines to obtain a mortgage. At that same time, back in the early 2000's, there was “excess capital” globally (The Subprime Mortgage Crisis Explained, 2011). Investment managers were looking for ways to invest money; generally the demand was for low-risk investments that would yield a nice return. However, such investment options were not easy to find. This pushed a great amount of money straight into the U.S. mortgage market, thanks to the unique and wonderful (on principle) vehicle – securitization (The Subprime Mortgage Crisis Explained, 2011). After an individual gets a mortgage loan from a broker, the broker sells the mortgage to a bank, the bank in turn sells the mortgage to an investment firm on Wall Street, and the firm...
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...Money Market Instruments The money market is the arena in which financial institutions make available to a broad range of borrowers and investors the opportunity to buy and sell various forms of short-term securities. There is no physical "money market." Instead it is an informal network of banks and traders linked by telephones, fax machines, and computers. Money markets exist both in the United States and abroad. The short-term debts and securities sold on the money markets—which are known as money market instruments—have maturities ranging from one day to one year and are extremely liquid. Treasury bills, federal agency notes, certificates of deposit (CDs), eurodollar deposits, commercial paper, bankers' acceptances, and repurchase agreements are examples of instruments. The suppliers of funds for money market instruments are institutions and individuals with a preference for the highest liquidity and the lowest risk. The money market is important for businesses because it allows companies with a temporary cash surplus to invest in short-term securities; conversely, companies with a temporary cash shortfall can sell securities or borrow funds on a short-term basis. In essence the market acts as a repository for short-term funds. Large corporations generally handle their own short-term financial transactions; they participate in the market through dealers. Small businesses, on the other hand, often choose to invest in money-market funds, which are professionally managed...
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...Different Types Of InvestmentsIt is very necessary to know different types of investment before you actually start investing. There are hundreds of different investments types available. An understanding of the core concepts and a thorough analysis of the various types of investment can help you to make the right choice. Take a look at different investments types given below.Bonds investmentsOne of the different kinds of investments is bond investments. Bond is commonly used to refer to any securities that are founded on debt. These are fixed income instrument which are issued for the purpose of raising capital. When you purchase a bond, you are lending out your money to a company or a government. In return, they will give you interest on your money and eventually pay you back the amount you lent out. Bonds issued by the Government carry the lowest level of risk but could deliver fair returns.Stocks investmentsBuying stocks is also one of the investments types. To purchase a stock makes you to become a part-owner of the business. This entitles makes you to receive the profits generated by the company. These profits are called as dividends. Stocks are more volatile and riskier than bonds. However, stocks provide relatively high potential returns as compared to bonds.Mutual Funds investmentsAnother different investments types that you can invest is mutual funds. Mutual fund is the collection of stocks and bonds. This also involves paying a professional manager to select specific...
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...consider due to the fact that they are not something America can rely on as solid figures compared to an employer’s payout wages. This however is not something to totally ignore. These services are called Ommition or Underestimation (Chris Chan). The drug trade is a large black market, although there are no solid figures that economists have been able to gain due to the nature of product, it is widely known that much activity is involved in the trade which means large figures in the millions per year for how much dealers can make and buyers will spend. As a side note I have personally witnessed citizens abuse the welfare system by living off of it only to spend a large amount of it on an illegal drug. This only hurts the economy because money gets paid to a citizen; a citizen is spending it on something that...
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...management of large sums of money. Finance is something that every person, business, or government agency must deal with if they want to be successful. Finances cannot be ignored or left on their own to take of themselves. Efficient Market – This is the extent that stock prices will reflect all information that is available. This was a theory developed in the 1970’s and it means that an investor cannot do better than the market itself. There is no one set agreement on market efficiency from the many investors around the world. There are different levels of this theory. Some investors look for undervalued stock in hopes that they will rise again. Primary Market – This market is used to issue new securities. Companies use this to help gain financing for their firm. Investment banks will set the starting price. They also watch over the sale of those securities to investors. Secondary Market – This market is used to buy securities from other investors instead of the companies they originated from. The NYSE and NASDAQ are secondary markets. Secondary markets are also used for other types of securities to be purchased such as mortgages from lenders. Risk – Risk is defined as taking a chance. In the finance world, investors are risking their money all of the time in hopes of making more money than they started with. This is not always the case Security – This is something that represents an investor has some type of ownership in a company or a creditor type of relationship. Securities...
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...Macro Econoshit Chap 4 Terms | Definitions | Prosperity | The capacity/ availability to satisfy needs by means of products or services | Production | The values added to the process of goods from natural resources. | Production factors | Resources used for production 1. Labor 2. Natural resources 3. Capital | Gross Domestic Products (GDP) | Total production of goods and services within the borders of a country | Comparison of GDP per capita3 steps | 1. Calculate the GDP per capita ( GDP/population) 2. Convert to a common currency 3. Adjust for the differences in the purchasing power of the currency per country | Economic growth | Growth in production | Welfare/well-being | The sense of contentment or satisfaction people in a society have | Human Development Index (HDI) | A metric to determine the welfare of a population | 3 ways to measure production | 1. Production approach: Adding up the total added value of the goods and services of a country 2. Income approach: Adding up all the remuneration for the resource owners in that country 3. Expenditure approach: Adding up all the expenditure of the country | Gross National Income (GNI) | Total production + Total Income | Production factors of capital | 1. Durable capital goods (>1 year) 2. Floating capital goods (<1 year) 3. Consumables (Added during the processes) | Production factors of labor | 1. The size of population 2. Participation rate | Causes of rises in...
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