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In  addition to establishing pricing mechanisms , banks also devote attention to the actual structuring of each loan as regards the time frame for payment. The purpose of the loan influences that the time frame. A loan made to a manufacturers so that he can buy raw material to meet a seasonal need usually is a short-term loan, generally unsecured; a loan made to a corporation so that it can make a major addition to its factory is a longer term credit. Wherever possible, the bank seeks a definite schedule of amortization; that is, of reduction of the principal through periodic payments. Installment loans have always been made on this basis, but the concept also can be applied to other credits. A schedule of amortization prevents as commercial loan from staying on the bank’s books indefinitely, and also contributes to liquidity for the bank.

Some loans are structured on the basis of a so-called balloon payment. In such cases the borrower makes a specified number of smaller, regular reductions to the loan’s principal and then makes a large final payment.

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When a bank negotiates with a customer regarding the level of balances in an account as compensation for credit or services, and when a bank calculates its own daily funds position, the bank always must identify the amount of float. Uncollected funds have no value to the bank because they cannot be put to profitable use in loans and investments. Similarly, they have no value to the customers, who usually are not allowed to draw against them. For these reasons, successful check processing and collection systems are designed to meet two basic objectives.

They must ensure that all deposited or cashed checks will be presented to drawees with speed accuracy. Every drawee must then decide whether to honor the checks sent to it, and must return any unpaid items within strict time limits.

They must reduce the daily amount of uncollected funds in the banking system, so that both the banks of deposit and their customers can have available working capital.

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In the annual crime statistics published by the Federal Bureau of Investigation, one of the most distressing figures shows regular increases in the number of bank holdups. Every banking office is a source of temptation to the would-be robber. During holdups, individual displays of heroism by tellers are not expected and should not be contemplated or encourage. Bank robbers are always unpredictable, often irrational, and frequently desperate.

Most banks are required by law to equip their premises with cameras and burglar alarms. Nevertheless, in a robbery attempt the teller is always the first line of defense, and no type of security system can be more effective than the actions he or she takes during a holdup. For example, during attempt, tellers should make every effort to remain calm and take note of the robber’s height and weight, scars, and any other identifying features. Tellers can activate silent alarms by using a foot pedal or device in the cash drawer. Anything given to the teller, such as a holdup note, should be kept so that fingerprints or other identifying evidence can be checked.

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When looking to buy refrigerants we realize there are many companies that sell refrigerant and refrigerant products and we are honored to win your business. Our customer service team will answer any questions to help you with your purchase. When you work with the Refrigerant Company you can just relax and we will handle everything for you. Our company has been in this business for many years and we know the business very well.

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The U.S. unemployment rate represents the percentage of the nation's labor force currently not working but seeking a job. The labor force consists of everyone age 16 or older who is either employed or without a job but seeking one. The unemployment rate is determined by taking the number of unemployed people in the labor force as a percentage of the crime of the entire labor force.

Increases in the unemployment rate reflect one or both of the following situations: (1) people who have lost their jobs, or (2) people not previously in the labor force who have begun to seek work but cannot find a job.

A rising of unemployment rate does not necessarily indicate that workers are being laid off, and a falling unemployment rate does not necessarily indicate that laid-off workers are being recalled. The unemployment rate can increase if there is an expansion in the number of people seeking work and can decline if job seekers stop looking for work.

Full employment is reached when all of a nation's productive resources - both capital and labot - are on full use. In practical terms, full employment is associated mainly with labor than capital, and has come to mean centage of the nation's labor force is employed.

No absolute measure constitutes full employment or, conversely, reasonable unemployment.

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The Refrigerant Company sells refrigerant products nationwide. We manufacture the following refrigerants : R-134A , R-410A , R404A, R-236, HFC-125 all at direct  from the manufacturer prices. If you are looking for refrigerant products you have come to the right place. We are the leading website for refrigerants and we take care of our clients.