The business of banking has evolved over the past several decades, from institutions largely limited to making loans and taking deposits, to financial supermarkets that offer a range of banking, investment and insurance products. Not surprisingly, as banks began to serve customers in new ways, they also changed in appearance. Today, trends in bank design support a hotly competitive, retail-oriented industry with a focus on customer-friendly environments, cost-efficient operations and brand-driven design elements.
New design and construction elements demonstrate bank security
Today many banks are choosing to forego a thick brick and mortar style and teller cages that hold customers at arms length, for buildings designed to be accessible, efficient and customer-friendly. Even traditional bank facades, which may be favored by an older, more conservative customer base, can be designed with contemporary, innovative and green building materials that create inviting, but secure environments.
Cost-efficient, environmentally sound bank design a genuine asset
Because banks are businesses and must deliver a return to investors, cost- efficiency in design is a growing strategic necessity. With the price of traditional construction materials on the rise, new solutions such as pre-engineered systems and exterior building facades, modular interior design elements and other construction efficiencies save on costs
While stock warrants do provide a means of entering the share market without actually buying shares, they they do have pros and cons.
While stock warrants do have benefits they also have a downside that makes astute investors somewhat wary of purchasing them. Here are some pros and cons.
* Buying stock warrants is much cheaper; it allows the investor to get shares in a company with less capital outlay. This is good if you are looking for capital appreciation as opposed to income.
* The percentage gain is often greater than if shares were purchased.
* Stock warrants have greater liquidity – at least at the present time. This is due to the promotion by marketers.
* The short to medium term often nets good capital appreciation.
* Stock warrants can become worthless after they expire – not good if you are still holding them. Even if they were given for free as part of another deal there is that opportunity for gain lost.
* No dividends apply to stock warrants. So if you invest in stock warrants in blue chip industries you forego the dividend you would have got with buying the actual shares.
* When the prices of stock warrants change someone – buyer or
CPA-Auditing, CPA Auditing and Attestation exam will give you the right learning objectives which will help you in your career for the auditing and attestation which is a very important knowledgeable area in any organizations specially bigger ones. The professionals have be very careful in performing this exam because the validation process can only be completed when you are equipped with greater knowledge of the exam topics and have some level of experience which will prove to be very useful.
CPA-Auditing, CPA Auditing and Attestation exam topics like any exam are segmented hence we have listed some main topics for your convenience.
Elements of financial statements and their recognition criteria consists of elements of financial statements, elements of financial statements, financial statements where these elements are recognized, criteria for recognition of the elements of the financial statements which are asset, liability, equity, income and expense.
Theories of accounting and alternative methods of valuation includes the learning of disadvantages of the historical cost system of accounting, amounts using the following measurement bases which consists of the learning of historical cost, fair value, deprival value, replacement cost, net realizable value, positive accounting theory, normative accounting theory, operating capital maintenance theories and how these can
A large number of people go out in search of new home without realizing that it might be tough to get approved for a home mortgage. Should you are in the dark about this topic, you’ll need superb ideas to help get you caught up. Read on for outstanding home mortgage techniques that anybody can use./p>
Having the right documentation is vital before applying for a home mortgage. Before speaking to a lender, you will want to have bank statements, earnings tax returns and W-2s, & at least your last two paycheck stubs. In the event you can, prepare these documents in electronic format for straightforward & rapid transmission to the lender.
Get a copy of your credit score before you apply for a mortgage. It is best to know where you stand before you complete an application for a mortgage. You should check your credit even in case you are confident you have a fantastic score since identity theft or mistakes can take place.
If your property is worth less than what you owe & you have been unproductive in refinancing it, try once again. The Home Reasonably priced Refinance Program (HARP) has been revamped to let homeowners refinance their home regardless
Payment collections is always a hassle for any business offering goods or services. In most industries, once goods have been dispatched or services have been rendered, the entire control to recover the compensation slips out of the hands of the seller. Where goods are concerned, you can do nothing but send reminders to your customers about the outstanding payments. In case of services, once they are rendered and the payment is in default, usually you may refuse to provide services in future unless the money is paid. Recurring services are at a bigger advantage since stoppage of services in future can be used to recover past debts. The telecommunications sector has a more significant advantage when it comes to recovery of dues.
Eg: Upon non-payment of a phone bill, the phone company can just disconnect your phone line from their end. They may also insist that you pre-pay for your connection and deduct call charges from your pre-paid balance. .
The web hosting business also has a similar advantage. But mostly web hosts prefer to exercise restraint and resort to disconnection of services only as a last resort. This article highlights