pay them and have my roommates pay me. One roommate doesn’t always pay me on time though resulting in an overdraft fee when I pay the bill. I sat down with him to try to solve the problem by saying; "James‚ I really appreciate the trust you have in me to take on the responsibility of the bills. I’m feeling a little frustrated because I don’t always get your money on time so it leads to an overdraft fee making me feel financially stressed. I’d really like to fix this so it doesn’t lead to any harsh feelings
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FAMOUS CASES ON NEGOTIABLE INSTRUMENTS ACT* LIABILITY OF PAYING BANKER WHEN CUSTOMER’S SIGNATURE ON CHEQUE IS FORGED 1. When the customer’s signature on the cheque is forged there is no mandate to the bank to pay. As such a banker is not entitled to debit the customer’s account on such forged cheque. In Canara Bank vs. Canara Sales Corporation and Others [(1987)2 Supreme Court Cases 666] the company has a current account with the bank which was operated by the Company’s Managing Director
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PROFITABILITY RATIOS RETURN ON INVESTMENT (ROI): The prime objective of making investments in any business is to obtain satisfactory return on capital invested. Hence‚ the return on capital employed is used as a measure of success of a business in realizing this objective. Return on Investment establishes the relationship between the profit and the capital employed. It indicates the percentage of return on capital employed in the business and it can be used to show the overall profitability
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can help improve cash flow and can be used to increase inventory while long-term loans are more for larger purchases such as equipment or even leases. “--There are several types of short-term financing: an overdraft‚ a letter of credit‚ a short-term loan‚ and a bill of exchange. An overdraft is an extended credit granted by a financial institution. A letter of credit is a guarantee of payment to a seller. A short-term loan is for a period of less than a year‚ and it has to be repaid with interest
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a customer‚ coworker‚ and etc. STAR is an acronym for situation‚ task‚ action‚ and result. The situation is the problem that you had to face. For instance‚ there was a time at work when a customer was getting really frustrated about having an overdraft fee because they claimed that they had money in their account. The next step is the task‚ in which the person is to describe their responsibility in the situation given. In the example given above‚ the task was to resolve the conflict with the customer
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Introduction Background of CIMB Bank Our assignment is to investigate the products and services offer by CIMB Bank. The reason we choose CIMB Bank is that it is a pure Malaysian bank. The Board of Director and management team almost all form by Malaysian. The Chairman of CIMB Bank is Tan Sri Dato’ Md Nor and the Chief Executive Officer of CIMB Bank is Dato’ Sri Nazir Razak (The son of the Second Malaysia prime minister‚ Tun Abdul Razak). CIMB Bank is an indigenous ASEAN investment bank and has the
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Centre Number Candidate Number Name CAMBRIDGE INTERNATIONAL EXAMINATIONS General Certificate of Education Advanced Subsidiary Level and Advanced Level ACCOUNTING Paper 2 Structured Questions 9706/02 May/June 2003 1 hour 30 minutes Candidates answer on the Question Paper. No Additional Materials are required. READ THESE INSTRUCTIONS FIRST Write your Centre number‚ candidate number and name on all the work you hand in. Write in dark blue or black pen in the spaces provided on the Question Paper
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March 2012 Electronic Banking or many consumers‚ electronic banking means 24-hour access to cash through an automated teller machine (ATM) or Direct Deposit of paychecks into checking or savings accounts. But electronic banking involves many different types of transactions. Electronic banking‚ also known as electronic fund transfer (EFT)‚ uses computer and electronic technology as a substitute for checks and other paper transactions. EFTs are initiated through devices like cards or codes that
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OBJECTIVES OF STUDY Primary objectives:- •To know the perception of people towards plastic money. Secondary objectives:- •To know the importance of plastic money in the daily life of consumers’ W.R.T credit and debit cards. •To study the benefits of debit card and credit cards. •To find out the market leader among the various banks/companies issuing credit and debit cards •To know the problems faced by respondents using plastic money. •To study the satisfaction level of consumers
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The Big Short - Analytical Commentary The Big Short‚ a film centering around the 2007-08 financial crisis and its causes‚ does an effective job of depicting corporate greed in capitalist society. Through a clever stylistic choice of having well-known celebrities explain complex wall-street jargon through intelligible metaphors - the film succeeds in explaining the build up towards the financial crash. It also shows that not everyone was blindsided by the housing bubble‚ and that a handful of economists
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