Even after the advent of plastic
money (credit cards), using checks for paying utility bills,
grocery, subscriptions etc., is inevitable. We all have at
least one checking account with a local/national Bank. After
opening a new checking account, the Bank issues (either free
or at a nominal fee) checkbooks. Have you noticed that the
new check-number starts not from 1 but from 101? Have you
ever wondered why so? Well, here are two reasons behind this:
Check numbers start from 101?
Any banker will easily vouch
that 90% of all forged checks are drawn on accounts less than
barely 3 or 6 months old. So, lower the check-number, more
prone for suspicion it is. Many merchants outrightly used
to deny checks of lower check-numbers. So, consumers started
asking the Check-providers (whether it's the Bank itself or
private third party providers) to supply checks bearing higher
numbers. After all, in US, check number is just a reference
for the consumer, the Bank and payment-receiving party are
concerned only about the "Routing Number" of the
Bank and "Account Number" of the consumer. That
way, consumer has the freedom of choosing his own number for
checks. Instead of making any arbitrary number as the starting
of check-number sequence, most Banks today follow the procedure
of issuing checks for new checking accounts starting with
the number 101. Anyway, forgery/fraud can still happen. This
is not fool-proof remedy for it.
When her mother came to the school to collect Guo's remains, other students gave the grieving woman tt r names and phone numbers, asking for her help in contacting their own parents to get them out of the bo t camp. One of the practices of the facility, which aimed to "reform" behavior through fear-based trainin g and harsh discipline, was to limit students' contact with the outside world.
When you think of him, your heart would jump between fast and fast.
The eighth grader's candidacy is also about overcoming age discrimination, which he sees as a barrier to equality, and he says his quest for the top state spot is no joke.
Did I mention that LeBron James is a free agent this summer?
《她》(Her)，由斯派克?琼斯(Spike Jonze)担任编剧兼导演，将浪漫带入了虚拟世界，影片的主人公展开了一场有些疯狂的真正激情之旅。华金?菲尼克斯(Joaquin Phoenix)扮演的男主角是个令人心酸的孤独小伙子，他爱上了自己智能手机的新操作系统。影片的基本构想有些脆弱，但故事非常华丽地展开，霍伊特?范?霍特玛(Hoyte Van Hoytema)的摄影也很精妙，完美地烘托了菲尼克斯、艾米?亚当斯(Amy Adams)和斯嘉丽?约翰逊(Scarlett Johansson)的表演。斯嘉丽?约翰逊在片中扮演的是智能手机操作系统的声音和灵魂。
1. Love what you do.
But what will politicians actually do While President Trump is focused on bringing back traditional manufacturing jobs to America, different US states are experimenting with other policies to help low-paid precarious workers. These range from sharply higher minimum wages to new rules to stop employers changing staff schedules at the last minute.
Given that travel costs to Russia may surge in 2018 when the FIFA World Cup will take place there, visiting this year would be a smarter choice.
“The headwinds that Chinese banks face will last for a long time,” he said. “In addition to lower sources for profit, they will also have to prepare themselves for losses on bad loans.”
Performances by Kelly Clarkson, Tim McGraw, Taylor Swift, Carrie Underwood and Miranda Lambert rocked the house at the MGM Grand Garden Arena.
The Dow Jones Industrial Average
(DOW) is an index of the average closing prices of thirty
blue-chip stocks. There are more than 6,700 stocks in the
market, but the DOW, with its thirty stocks, is used to gauge
and forecast the health of the economy.
It began simply enough in 1884,
when financial journalist Charles Henrry Dow devised a way to
help his readers track the fluctuations in the market. He chose
eleven stocks - mostly railroads - and added up the closing
price of one share of each company's stock. Then he divided
by 11 to come up with an average. In 1928 Dow added another
nineteen industrial companies to the list. The editors of the
Wall Street Journal (which is owned by Dow Jones & Co.)
substitute new companies for the originals only if a business
changes drastically, merges, or goes bankrupt. That's happened
just seventeen times in the past seventy four years. Following
are the constituent companies of Dow Jones Industrial Average
as of now.
Allied-Signal Inc., Alcoa Inc., American Express Co., Boeing
Co., Caterpillar Inc., Citigroup Inc., Coca Cola Co., Walt
Disney Co., DuPont E I De Nemours & Co., Eastman Kodak
Co., Exxon Corp., General Electric Co., General Motors Corp.,
Hewlett Packard Co., Home Depot Inc., Intel Corp., International
Business Machines Corp., International Paper Co., Johnson
& Johnson, McDonald's Corp., Merck & Co. Inc., Microsoft
Corp., Minnesota Mining & Manufacturing Co., Morgan J.
P. & Co. Inc., Philip Morris Companies Inc., Procter &
Gamble Co., SBC Communications Inc., United Technologies Corp.
and Wal-Mart Stores Inc.
in the financial landscape have affected the Dow, and some
experts question its worth as an accurate gauge of the market.
One complaint is that about 80 percent of the country's workforce
is employed by service industries, yet about 80 percent of
the Dow is made up of stocks for manufacturing, not service,
companies. That means the bulk of America's industry is underrepresented
by the Dow. Another problem lies in the Dow's size. Because
it contains only thirty stocks, a strong move by any of them
can skew the index. How? Because the Dow is based on the closing
price of a single share of a company's stock, not the market
value of the entire company. The result: Small companies with
high-priced shares can have a greater effect on the Dow's
average than huge companies with many more lower-priced shares
- even though the big company may be more profitable than
the small one.
For these reasons and more,
true financial professionals hardly use the Dow in research.
Yet they all continue to quote it. The Dow is ingrained in
Wall Street culture and is recognized and basically understood
by everybody in the field.
levels on the Dow in recent past:
|December 6, 1974
||The last Bear Market bottom
|July 12, 1976
||Highest point between
Jan '73 and Oct. '82
|August 12, 1982
||The start of the "Reagan
|August 25, 1987
||The 1987 high
|October 19, 1987
||The (508 point) crash
|February 2, 1994
||The top of the post 1987
|November 23, 1994
||The start of the Clinton
|March 29, 1999
||The first Dow close above
|January 14, 2000
||The all time high
|March 17, 2000
||The biggest one day gain
|March 20, 2001
||Dow closes below previous
year low - first time since 1982
|Sept 11-14, 2001
||Terrorist attack - Dow
closed for four days
|Sept 17, 2000
||The biggest one day fall
|Sept. 21, 2001
||Dow's second worst week
|Dec 31, 2001
||Dow up 21.7% from Sept.
21 low but down 7.2% on the year
|July 23, 2002
||Low close of break below
post 9/11 low.
Links of Interest:
- 2018 房地产商在十大“热词”中讨生活