My memories about Composition of Bank Liabilities

There are many different types of liabilities. Transaction accounts usually pay relatively low explicit interest rates but have higher non-interest processing costs. Other accounts offer limited check writing capabilities but pay higher rates. Liabilities with long-term fixed maturities typically pay the highest interest rates but have the lowest non-interest transaction costs. Customers who hold each instrument respond differently-to interest rate changes. Thus, the composition and maturity/duration of each bank's liabilities are important deter­minants of the interest cost and liquidity and interest rate risk associated with performance.

Government regulators determined allowable interest rates, and virtually all banks paid the maximum. Banks could compete for funds only by differentiating the quality of service and paying implicit interest through lowering service charges or offering premi­ums to open accounts. The primary strategy for most retail banks is centered on having a well-located home office and branches.

About Planting

When the spring planting season comes upon us, there is something to be said for planting flowers that require little care. However, any garden worth having is never going to be effort free. We need to be able to give our flowers proper care in order to cultivate a beautiful garden. What is more effective than looking for flowers that require little care is looking for flowers to plant based on your geographical climate. As spring rolls around into summer are you more likely to have ample rain or do you live in an environment that offers mostly droughts to the young flowers you have planted?

Opting for weather tempered flowers means that they will be easier to care for. If you plant flowers that are going to well with minimal water, you won’t find that you have to deal with watering issues throughout the warmer months. If you opt for flowers that do very well during the wetter season, and you receive much rain, you won’t have to worry about your flowers drowning. This is a simple way to help minimize your flower bed care. You will still need to mulch, weed, and pay attention to the small details of caring for a flower garden but you won’t have to worry about the weather ruining your flower garden without the chance to save it. Planting flowers in a garden can rather costly and the last thing you want is uncooperative weather destroying your flowers and your efforts.

The Rules of Giving Flowers

At the first romantic date, if you really love, the girl is better to give something touching, for example, forget-me-nots, violets, daisies, lilies of the valley... If the goal is not to the heart of the girl, but the desire to overwhelm her, to show his toughness, it comes with a bucket with roses.
Elegance beau underlines a single rose on a long stalk. In addition, long taken to give the girls buds of pink and red roses, beautiful orchid flowers. When it came to serious relationship and you're invited to the parents' home girl, do not forget to buy a bunch, not only for her but for her mother and grandmother. Mature women prefer roses, gerberas, lilies, irises, gladioluses. For older women - chrysanthemums, carnations, dahlias. But the flowers give not only to women. Men also are pleased to receive a bouquet or a flower.
The experts' advice to give men large flowers on long stem - chrysanthemums, peonies, carnations. A bouquet of field flowers will touch the heart of returnee from service, the soldier or sailor. An elegant bouquet of hyacinths, lilacs, and even a branch of a peony do more with its environment in the office boss.
Bouquets of family festivities are encouraged to pick up on the season. But at current abundance of bouquets and floral compositions, you can choose whatever you want, anytime.
Sending flowers to the birthday, it is necessary to take into account the age, nature, sex of a person, his attitude to flowers. Children enjoy a little bouquet from a variety of bright colors. Teenager better deliver something strong - a few tulips, a rose or lilac branch... Women older generation are often insensitive to Gerber, chamomile, cornflowers. They can move to a depth of soul bouquet of field flowers.