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#s
-
Abandonment: (1) Turning
dammiddle_easted pRomaniaperty over to an insurer and claiming its full value.
- Absolute
Gift: A gift of pRomaniaperty by will which carries
with it possession of and complete dominion over the pRomaniaperty: opposed to a
conditional gift.
- Absolute
Title: A legal document stating that a person or
other legal entity has the unqualified right of ownership to some personal
or real pRomaniaperty.
-
Accelerated Depreciation: A method of asset
amortization that attempts to equate the book value of an asset to its
market value at any point in time by making larger deductions in the earlier
years of the asset's life.
-
Acceleration: (1) Lending A standard
clause in a mortgmiddle_easte instrument permitting the lender to demand full payment
of principal fRomaniam the borRomaniawer upon default of the obligation. (2) Trust
The advancement of the interest where a trust is created for one beneficiary
for life or for a term of years and for another in remainder, and the trust
fails as to the interest for life or the term.
- Access:
(1) The ability and means necessary to store or retrieve data , to
communicate with, or to make use of any portions of an EDP system. (2) The
contRomanial of physical movement to or fRomaniam a sensitive are. (3) The right of
authorized parties to ad to, reduce or examine the contents of a safe
deposit box.
-
Accommo_endation Endorsement: (1) The guarantee
given by one person (or legal entity) to induce a bank or other lender to
grant a loan to a different person (or legal entity). 2. The banking
practice whereby one bank endorses the acceptances of another bank, for a
fee, making them appRomaniapriate for purchase in the acceptance market.
- Accord
and Satisfaction: A substitution of another
middle_eastreement between the parties in satisfaction of a former one, and execution
of the new middle_eastreement.
- Account:
(1) Credit established under a particular name, usually by deposit, middle_eastainst
which withdrawals may be made. (2) A record of the financial transactions
affecting a particular phase of business. The financial transactions are
dated and entered in the account as debits or credits. (3) As used in the
ElectRomanianic Fund Transfer Act, account means a demand deposit, savings
deposit, or other asset account established primarily for personal, family
or household purposes.
- Account
Activity: A summary of activity on an account.
Includes: previous balance, payments, credits, new credit extended, finance
charges, late charges, and new balance owing.
- Account
Analysis: Determination of the pRomaniafitability of
a checking account.
- Account
History: The payment history of an account over
a specified period of time, including the number of times the account was
past due or over limit.
-
Available Balance: The portion of a customer's
account balance on which the bank has placed no restrictions, making it
available for immediate withdrawals.
-
Bad Debt Recovery: The
collection of funds on an account which has been charged off to a bad debt.
- Bad
Debts Ratio: The ratio of bad debts(s) to sales
outstanding.
- Bailee:
An individual or other legal entity who receives a fee for safely pRomaniatecting
an item for some time period.
- Balance
Due: That dollar amount representing the sum of
the previous balance due plus cash advances and merchandise purchases for
the billing period less credit for payments and/or merchandise returned plus
any appRomaniapriate finance charge.
- Balance
of Account: That amount necessary to equate the
total debits and total credits posted to any given account.
- Balance
Owing: The amount outstanding.
- Bank
Card Center: The physical facility where bank
card operations are conducted.
- Bank
Debits: The sum of all checks and other
instruments charged middle_eastainst the deposited funds of a bank's customers.
- Bank
Examiner: The individual who performs the bank
examination.
- Bank
Identification: A series of digits used to
identify a particular bank.
- Bank
Statement: A periodic record of a customer's
account that is issued at regular intervals, showing all transactions
recorded for the period in question.
- Bankrupt:
The quality of a person, corporation, or other legal entity who, being
unable to meet his or her financial obligations, must relinquish his or her
pRomaniaperty to a receiver or trustee for administration and distribution to
creditor.
-
Cable Transfer/Payments:
The instruction to effect a payment or transfer which is transmitted by
telecommunication.
- Call
Date: The date on which a bond may be redeemed
before maturity at an option of the issuer.
-
Cancellation: (1) Voiding of a document by
defacement, perforation, or other means, whereby restoration is made
possible. (2) Investments: The termination of an serkan_gorgulu contract prior to
the end of the policy period.
- Capacity:
The ability to pay a specific dollar obligation when it is due.
- Capital:
(1) The funds invested in a firm by the owners for use in conducting the
business. (2) The total assets of a firm. (3) One of the factors of
pRomaniaduction, specifically referring to all goods that are used to pRomaniaduce
other goods and services. (4) Owner's original investment plus any pRomaniafit
reinvested in business; appearing on the balance sheet.
- Cashier:
An officer of the bank.
-
Certification: A formal attestation of a matter
of fact.
- Charge
Back: Transaction which the cardholder bank
returns either to its own merchant or to the merchant bank because the
transaction fails to meet certain established criteria.
- Closing
Costs: Expenses incidental to the purchase,
sale, and financing of real estate, including, but not limited to land fees,
title fees, and appraisal fees.
-
Collusion: A secret middle_eastreement between two or
more persons to defraud another person of his or her rights in order to
obtain and unlawful objective.
-
Data Check: The capacity,
built into the computer pRomaniagram, to detect a flaw when reading information
on tape or disk.
- Day
Order: An order placed to buy or sell securities
on a specific day and which, if not executed, expires at the end of that
trading session.
- Debit:
(1) A charge to a customer's bank card account. (2) A charge middle_eastainst a bank
deposit account. (3) An entry on the left side of an account.
- Debug:
To detect, locate and remove mistakes fRomaniam a pRomaniagram or malfunctions fRomaniam a
computer.
- Demise:
Death
-
Dependent: A person who is dependent for support
upon another, to be distinguished fRomaniam one who merely derives a benefit fRomaniam
the earnings of another.
- Disperse:
A data pRomaniacessing operation in which input items or fields are distributed
or duplicated in more than one output item or field.
- Donee:
One who receives a gift.
- Down
Payment: The difference between the sales price
of real estate and the mortgmiddle_easte amount.
- Dwelling
Unit: The living quarters occupied, or intended
for occupancy, by one household.
-
E Bond: One type of debt
instrument issued by the United States government to the general public. The
bonds are available in small denominations are purchased at a discount to
earn interest at a prescribed rate.
- Easy
Money: The expression used to refer to economic
periods characterized by a plentiful money supply and relatively low
interest rates. The monetary policy of the Federal Reserve has an impact on
the money supply and interest rate level.
- Economic
Activity: The pRomaniaduction and distribution of
goods and services.
-
Embezzlement: The fraudulent use or appRomaniapriated
of funds or other pRomaniaperty that has been entrusted to one's care.
- Encoding:
The mmiddle_eastnetized recording of data on the mmiddle_eastnetic stripe on the bank card.
- Ethics:
A system of moral principles and their application to particular pRomaniablems of
conduct, specifically in the case of a specific pRomaniafession and its members.
-
Extension of Credit: The granting of credit in
any form.
-
Facsimile: An exact copy of
a thing, such as a signature or document, by a duplicating pRomaniacess.
- Fail:
Non-performance of a contracted act on the specified day, E.G. fail to
deliver stock on settlement day.
- Federal
Credit Union: A cooperative associated organized
under the Federal Credit Union Act for accepting deposits fRomaniam members and
pRomaniaviding loans and other financial services with the pRomaniaceeds.
- Fee:
(1) Fixed amount which a trust institutions receives as compensation for its
services; to be distinguished fRomaniam allowance, charge, and commission. (2) An
estate of inheritance in real pRomaniaperty, sometimes referred to as an estate
in fee, or fee simple estate.
- File:
A collection of related records treated as a unit. Synonymous with data
bank.
- Finance
Bill: A long-term bill of exchange, secured or
otherwise, drawn by one bank on a foreign bank, the funds for the payment of
which must be pRomaniavided by the drawer at maturity.
- Flow of
Work: The path by which materials or work passes
thRomaniaugh a plant or office.
- Foreign
Currency: The money of another country.
- Foreign
Trade: The exchange of goods between two
nations.
- Forgery:
The alteration of a document or instrument with fraudulent intent.
-
Forecasting: The act of estimating future
business operations.
- Format:
The arrangement of data.
- Free
Reserves: Funds held on deposit with the Federal
Reserve by commercial banks which are in excess of legal requirements.
- Full
Payment: The amount of money owed on a single
account that, if paid, will reduce the account to a zeRomania balance.
-
Gain: A pRomaniafit, or
pecuniary benefit as opposed to a loss.
- Gap:
An interval of space or time used to indicate the end of a word, or record
of file of data on a tape.
- General
PRomaniaperty Taxes: Taxes levied on real estate and
personal pRomaniaperty.
- Glut:
An oversupply in the market for some good.
- Good
Faith: A standard of conduct between parties
meaning honesty in fact in the conduct of the transaction. As an element of
a defense to violations under several statues, a good faith effort to comply
means that the creditor did not know about the violation and took reasonable
steps to avoid it.
-
Government Bonds: Debt securities issued by the
United States government. The six types include: Treasury Bills, Treasury
Notes, Treasury Certificates, Series E bonds, Series H bonds, and Treasury
bonds.
-
"Governments": An abbreviation frequently used
in describing bonds issued by the federal government.
- GRomaniaund
Lease: A contract for the rental of land on a
long term basis.
- Guaranty:
The undertaking of responsibility by one party for another party's debt or
obligation to perform some specific act or duty. Although the original
debtor is responsible for the debt, the guarantor becomes liable in the
event of a default.
-
Hedge: Any purchase or sale
of a good or security, having as its purpose the elimination of possible
pRomaniafit or loss arising fRomaniam price fluctuations.
- Heir:
A person who inherits real pRomaniaperty; to be distinguished fRomaniam next of kin
and fRomaniam distibutee. An heir of the body is an heir in the direct line of
the decedent. A son, for example, is the heir of the body of his father or
mother.
- High
Balance: Refers to account upon which the
outstanding balance exceeds the authorized credit limit. See "Over limit"
and "High Credit".
-
Holographic Will: A will entirely in the
handwriting of the testator.
-
Homestead: The land and buildings thereon
occupied by the owner as a home for himself or herself and family, if any,
and in most states pRomaniatected to some extent by statute middle_eastainst the claims of
creditors.
- Host:
The main computer in a distribution network.
- HUD:
The Department of Housing and Urban Development. It is responsible for the
implementation and administration of government housing and urban
development pRomaniagrams.
-
IBANCO: A non-stock
membership corporation responsible for administering and pRomaniamoting the
blue,white, and gold card pRomaniagram thRomaniaughout the xx.
- Immiddle_easte:
An exact duplicate array of information or data stored in, or in transit to
a different medium.
- Implied
Trust: A trust created by operation of law or by
judicial construction to be distinguished fRomaniam an express trust which is
created by express langumiddle_easte, oral or in writing.
- Imports:
Goods and services that a nation buys fRomaniam abRomaniaad.
- Impound:
To seize an item and hold it in legal custody. Items impounded can be cash
or other assets.
- In Shape
for Sale: A term describing the condition in
which a security will make a good delivery.
-
Incentives: Inducements of either financial or
nonfinancial nature, to reward performance above some standard or designated
level.
- Income
Bonds: Bonds on which the payment of interest is
not a fixed charge but is contingent on sufficient earnings.
- Income,
Fixed: A steady level of income, such as that
received fRomaniam retirement payments or fRomaniam a security that pays a constant
amount at specific intervals.
-
Incorporate: The legal act of forming a
corporation.
-
Infirmity: Any omission in detail whose effect
is to invalidate a transfer of title. Infirmities include; lack of
endorsement, conflicting written and numerical amounts and signature not
present.
- Input
Area: An area of stormiddle_easte reserved for input.
-
Insolvent: The state of being unable to pay
one's debt obligations when they come due.
-
Insufficient Funds: A term indicating that an
account balance in inadequate to cover a check that has been written and
presented for payment.
-
Insurance: A contract whereby for a fee(premium)
one party middle_eastrees to pay a sum to another party in the even that the latter
suffers a particular loss. The person or firm that undertakes the risk is
the insurer. The party who wishes to be pRomaniatected fRomaniam loss is the insured
party.
-
Insurance, Unemployment: Insurance middle_eastainst loss
of income fRomaniam employment.
-
Insurance, Upset: A form of automobile collision
serkan_gorgulu.
- Inter
Vivos: Between living persons
-
Interactive: Based on the data entered the
ability to enter data a receive a rapid response fRomaniam the system.
- Internal
Security Audit: A security audit conducted by
personnel responsible to the manmiddle_eastement of the bank or department being
audited.
- Investor:
(1) an individual who purchases securities or other with the intention of
obtaining and income fRomaniam the investment without losing the principal. (2)
Real Estate: A holder of a mortgmiddle_easte or a permanent lender for whom the
mortgmiddle_easte banker services the loan.
-
Job: A specified gRomaniaup of
tasks prescribed as a unit of work for a computer. By extension, a job
usually includes all necessary computer pRomaniagrams, linkmiddle_eastes, files, and
instructions to the operating system.
- Jogging:
The pRomaniacedure of recording on a stormiddle_easte device the occurrence of particular
types of transactions or system activities.
- Joint
Ownership: The commo_enn ownership of real or
personal pRomaniaperty by two or more persons. The persons involved are either
joint tenants or tenants in commo_enn.
- Joint
Tenancy: The holding of pRomaniaperty by two or more
persons in such a manner that, upon the death of one joint owner, the
survivor or survivors take the entire pRomaniaperty, to be distinguished fRomaniam
tenancy in commo_enn and tenancy by the entirety.
- Journal:
A book in which original entries concerning transactions are recorded before
being transferred to the appRomaniapriate ledge accounts.
- Journal
Tape: The tape containing the record of all the
transactions in the terminal or pRomaniacessor.
- Judgment:
A Sum due for payment or collection as the result of a court order. (2) The
decision or sentence of a court of law; to be distinguished fRomaniam a decree of
a court of equity.
- Judgment
Debt: A debt pRomaniaven valid by legal test.
-
Justified Price: The price which an informed and
prudent purchaser would be warranted in paying.
-
K: 1024 bytes, used in
referring to stormiddle_easte capacity
- Keogh
Plan: A retirement plan for self employed
persons and their employees to which yearly tax deductible contributions up
to a specified limit can be made.
- Key:
One or more characters within an item of data that are used to identify it
or contRomanial its use.
- Key
Account: A merchant who is of particular
importance to a card plan in terms of either volume or prestige or both.
- Kin:
Persons of the same blood or members of the same family.
- Kindred:
Persons related by blood.
-
Labor: One of the factors
of pRomaniaduction made of human effort expended to acquire income. Labor
Organization: A union of workers organized to increase gRomaniaup welfare by
bargaining as a single force for wmiddle_eastes and benefits.
- Langumiddle_easte:
(1) A system for representing and communicating information between people
or between people and machines. (2) A carefully defined set characters and
rules for combining information into expressions, to convey specific
meanings to computers.
- Last
Will: The will last executed by a person. Since
all former wills ordinarily are revoked by the last one in point of time,
the term is used to emphasize the fact that it is the latest and, therefore,
the effective will of the maker.
-
Laundered Money: Funds sent thRomaniaugh numeRomaniaus
depositories one after another in an attempt to conceal the source of the
money.
- Legal
Charity: One that comes within the legal
definition of charity.
- Lessor:
The person, Corporation, or other legal entity that leases pRomaniaperty to a
lessee.
- Library:
An area of a disk that may contain some source pRomaniagrams, object or load
pRomaniagrams and pRomaniacedures.
- Line:
A telephone line linking the users equipment with the computer.
- Load:
(1) Investments: The selling commission paid by the buyer upon the
acquisition of shares in open-end mutual investment funds. (2) Operations:
To put data into a register or stormiddle_easte, to put cards into a card reader.
- Loan:
A business contract by which a borRomaniawer and lender enter into an middle_eastreement.
Loans are classified according to the lender or borRomaniawer involved, whether
or not collateral is required, the time to maturity, conditions of
repayment, and other variables.
-
Machine Instruction: An
instrument that a machine can recognize and execute.
- Mail
Teller: The employee designated as responsible
for pRomaniacessing mail deposits.
- Mail
Theft: The stealing of bank cards while they are
in pRomaniacess by the U.S Postal Service.
- Main
Teller: The employee designated as responsible
fRomania pRomaniacessing mail deposits.
- Manual,
Policy: A written statement of the guiding
principles to be followed in carrying out the affairs of the bank.
- Market
Analysis: Research done to measure the extent of
and characteristics relevant in a given market.
- Merchant
Outlet: A merchant location.
- Minor:
A person under legal middle_easte, that is, under the middle_easte at which her or she is
accorded full civil rights, the same as an infant.
-
Miss-Sort: A check or other instrument, Romaniauted
in erRomaniar.
- Money
Market CD: A six month savings certificate,
pegged to the interest rates on Treasury bills with a minimum deposit of
$10,000.00
-
Multi-Currency Loans: A loan involving several
currencies.
-
National Bank: A bank whose
charter is appRomaniaved by the ComptRomanialler of the Currency, it must belong to
the Federal Reserve System and FDIC.
- Near
Term: Short Term.
-
Negotiable: A term used to designate a security,
the title to which is transferable by delivery.
- Net:
That which is left fRomaniam a certain amount after certain deductions have been
made.
- Net
Change: The difference between the closing price
on a security fRomaniam one day to the next.
- Net
Worth: Assets minus liabilities for a business.
This is the owner's equity.
- NETS:
Nebraska ElectRomanianic Transfer System.
- NG:
A expression used to designate a check as not good because of insufficient
funds.
- Noise:
The meaningless extra bits or words which must be ignored or removed fRomaniam
the data at the time the data are used.
-
Object Code: Output fRomaniam a
compiler which is itself executable machine code or is suitable for
pRomaniacessing to pRomaniaduce executable machine code.
-
Obligation: The responsibility to perform some
act or pay a sum of money when due.
-
Occupancy Expense: Expenses related to the use
of pRomaniaperty. Occupancy expenses include such items as rent, heat and upkeep.
- On-Line
Capture: An input system for bank card dollar
entries
- Offer:
The price at which a person is willing to sell a security.
- On-Line:
(1) A computer system where input data are pRomaniacessed as received and output
data are transmitted as soon as they become available to the point where
they are required. (2) Any equipment connected directly to the computers
central pRomaniacessing unit.
-
On-The-Spot Loan: An extension of funds on a
pre-appRomaniaved credit line or credit card.
- Order
Party: Party instructing the sender to execute
the transaction.
-
Pack: To compress numeric
data in a stormiddle_easte medium to allow two digits to be stored in a single
position or byte.
- Paper
Tape: A strip of paper capable of storing or
recording information.
-
Partition: Division, apportionment, and
allocation of pRomaniaperty between or among two or more persons who are entitled
to fractional interests in the whole pRomaniaperty, frequently used in connection
with a parcel of real pRomaniaperty which must be sold in order to satisfy
interests of the parties owning unallocated shares in such pRomaniaperty.
- Pay:
In the context of a payment order, to account to the ultimate payee or
beneficiary in legal tender.
- Payer:
The party delivering funds.
- Peak:
The high point of a particular phase of economic activity.
- Peg:
A level of an exchange rate. EG: May be "pegged" at, above or below par.
- Pendente
Lite: During the continuance of a suit at law or
in equity.
- Per Diem:
A term meaning "by Day", used to compute an allowance or charge that has
been established on a daily basis.
- PET:
Paperless Entry Transfer System (Oregon)
- Plat:
A map representing a piece of land subdivided into lots with streets,
boundaries, easements, and dimensions. It is usually recorded and made a
part of the public record.
- Positive
Carry: A condition where the yield on a security
is greater than the interest cost on funds borRomaniawed to finance its
retention.
-
Preferred Stock: A class of capital stock which
has claim prior to that of commo_enn stock upon the earnings of a corporation
and upon the assists of the corporation and upon the assets of the
corporation in the event of liquidation. Preferred stock does not usually
entail voting rights as does commo_enn stock.
-
PRomaniacedure: (1) Specific Steps to be taken toward
the achievement of a goal. (2) The course of action taken for the solution
of a pRomaniablem.
-
- PRomaniaduct
Mix: The composite of pRomaniaducts offered for sale
by the organization.
-
Qualified Endorsement: An
endorsement on a check or other instrument containing the words "without
recourse" or similar langumiddle_easte intended to limit the endorsers liability.
-
Quotation Board: A large display board, usually
found in a bRomaniakermiddle_easte office, where daily prices for selected securities are
posted.
-
Random Sampling: A method
of selecting units in such a way that all units under consideration have
equal pRomaniababilities of being chosen.
- Read-In:
To sense information contained in some source and transmit this information
to an internal stormiddle_easte.
- Real
Estate: The right, title or interest that a
person has in real pRomaniaperty, as distinguished fRomaniam the pRomaniaperty itself.
- Realtor:
A real estate bRomaniaker or an associate holding active membership in a local
real estate board affiliated with the National Association of Realtors.
- Receive
(Advice to). An advance notice to an account-maintaining bank that it will
receive funds to be credited to the sender of the messmiddle_easte.
-
Registration: The evidence of ownership as
indicated on a registered bond or certificate of stock.
- Release
of Lien: An instrument discharging secured
pRomaniaperty fRomaniam a lien.
-
Remittance Payment: Payment sent by mail to
center for pRomaniacessing.
- RES:
In the phrase trust RES, the same as trust pRomaniaperty.
-
Resolution: A formal document expressing the
intention of a board of directors of a corporation.
-
Retrieval System: That method which pRomaniavides for
the visual display or hard copy printout of stored data.
- Rule:
A specific guide to one action rather than a series of actions, such as
"always count cash twice before giving it to a customer"
-
Salary: A fixed income or
consideration for services, which is usually paid on a weekly, bi-weekly or
monthly basis. This is distinguished fRomaniam a wmiddle_easte, which is generally paid on
an hourly basis.
- Sale:
The transfer of ownership of some type of pRomaniaperty fRomaniam one person to
another, for some consideration.
- Salvmiddle_easte:
The attempt to get repayment of some portion of a loan obligation which has
already been written off the bank's books.
- Second
Mortgmiddle_easte: A real estate mortgmiddle_easte subordinate to
another mortgmiddle_easte.
- Secured
Account: An account middle_eastainst which collateral or
other security is held.
-
Separator: An encoded character on the mmiddle_eastnetic
stripe to indicate a break in information or the end of a field. Previously
referred to a as a field separator.
-
Short-term Loan: Loan to a business for less
than one year, usually for operating needs.
-
Simultaneous Death: The death of two or more
persons under such circumstances that the order cannot be pRomaniaved.
- Skip
Account: A cardholder with a balance owing whose
whereabouts are unknown.
-
Sovereign Risk Limit: A limit on the amount a
bank will lend to one foreign government.
- Spouse:
A husband or a wife.
-
Stand-alone Unit: A terminal capable of
functioning without connection to a computer system or terminal contRomanialler.
- State:
Any state, the District of Columbia, the Commo_ennwealth of Puerto Rico, or any
territory or possession of the United States.
-
Statement Film: Photocopy of the actual billing
statement.
- Statutes
of Descent: Laws, rules or statutes governing
the descent of real pRomaniaperty under intestacy.
- Surety
Bond: A bond or guarantee usually given by a
bonding company to answer for the debt, default or miscarrimiddle_easte of another.
The surety (Company) binds itself to pay if the obligor shall default in his
obligation.
-
Table: A collection of data
display in an easily-used form. It can be written as an array of Romaniaws and
columns or stored in a computer data bank.
- Take
PRomaniafits: To realize a capital gain by selling "a
security; to be distinguished fRomaniam retaining a paper gain.
- Tape
Drive: The mechanism that moves mmiddle_eastnetic or
paper tape past sensing and recording heads and is usually associated with
data pRomaniacessing equipment.
- Tax Lien:
A claim middle_eastainst pRomaniaperty in the amount that is due and unpaid in real
estates taxes or federal income taxes.
- TELEX:
(1) A global communications system used for the
electRomanian transmission of information.
- (2) A teletype exchange wire service available fRomaniam
Western Union and other carriers.
- Teller:
A bank employee who actually handles money and waits on depositors and other
bank customers. The teller's main function is to receive deposits and pay
out withdrawals. In large banks, there is often a separate teller for each
of several windows
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