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Earlier it was stated that rating agencies can assign credit ratings to companies as well as to the financial products of companies. When a credit rating is assigned at the company level, unless something dramatic happens in a positive or negative way, the rating typically sticks for a rather long time (sometimes many years). A company can do very little on a day-to-day basis to greatly influence its overall credit standing. Conversely, a company s financial products can be structured on a very short-term basis so as to satisfy rating agency criteria for receiving a rating that is higher than the overall company rating. In some instances a company may even seek to issue products with a rating below the company rating. Generally speaking, all of the ways that a company might influence its financial product ratings are ultimately linked to cash flow considerations. This section presents those cash flow considerations in two categories as they relate to spot and bonds: collateralization and capital.



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//ejbCreate and ejbPostCreate methods public EmployeePK ejbCreate( String employeeID, String firstName, String lastName, java.util.Date hireDate, int grade, String classification, double salary, String deptCode ) throws EJBException, CreateException { //Assign fields to instance variables this.employeeID = employeeID ; this.firstName = firstName ; this.lastName = lastName ; this.hireDate = hireDate ; this.grade = grade ; this.classification = classification ; this.salary = salary ; this.deptCode = deptCode ; //Issue SQL to insert into database if ( employeeAdded( employeeID, firstName, lastName, hireDate, grade, classification, salary, deptCode ) ) return new EmployeePK( employeeID ) ; else throw new CreateException( "SQL For Employee " + employeeID + " failed." ) ; } public void ejbPostCreate( String employeeID, String firstName, String lastName, java.util.Date hireDate, int grade, String classification, double salary, String deptCode ) throws EJBException, CreateException { //Nothing going on here.... } //This create() method is used to assign Temp employees //to a default department, classification, grade and salary public EmployeePK ejbCreateTemp( String employeeID, String firstName, String lastName, java.util.Date hireDate ) throws EJBException, CreateException{ return ejbCreate( employeeID, firstName, lastName, hireDate, TEMPGRADE, TEMPCLASSIFICATION,





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(4.4)

Table 3-2: Online productivity tools you might like to try (continued)

Technical competence includes both knowledge and skill. Competence (or lack of it) comes in many guises. Figure 30 translates the idea into a form suitable for the Rings of Uncertainty.

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where Z e is the effective charge assigned to the migrated ion with Z given by [22] Z Z where Z electron-to-atom ratio rd defect resistivity Nd density of defects r resistivity of metal N density of metal m effective electron mass m free-electron mass The rst and the second terms in Eq. (5.1.3) correspond to the forces F1 and F2 , respectively. According to the Nernst Einstein equation, the average drift velocity v is given by v mF 5:1:4 where m mobility; D=fkT D self-diffusion coef cient, D0 exp Ea =kT f correlation factor depending on lattice structure; in most cases, f 1 k Boltzmann s constant Ea activation energy T absolute temperature The induced ux due to the creation of this frictional force is now given by [94] cA Nv Combining Eqs. (5.1.1), (5.1.2), (5.1.4), and (5.1.5), we get cA or ND0 rJ Ea cA Z e exp kT fkT 5:1:7 NDrJ Z e fkT 5:1:6 5:1:5 rd Nm 1 2rNd m 5:1:3

The statement must include the date of your entry into active duty, and the duration of any time you lost. CHAPTER SUMMARY Normally, the only way you can buy a home with no money down is to be a qualif ied veteran and deal with a lender authorized to work with the Veterans Administration. In that case, you can buy a house for up to $203,000 with no down payment. But you will have to pay a funding fee to the VA. VA-guaranteed loans are assumable, even by nonveterans. That may make it easier for you to sell your house especially if you obtain a f ixed-rate mortgage and interest rates rise. But normally you won t be able to buy another house with a full VA-guaranteed mortgage until the buyer pays off your existing mortgage unless the buyer is a veteran and substitutes for you.

Planning a proper gift program to take maximum advantage of the tax opportunities available, while being ever careful of the parents f inancial position, is a cornerstone of estate tax planning. A properly planned gift program, taking maximum advantage of the annual exclusions and the unif ied credit, can completely eliminate what might otherwise be a costly estate tax. With proper planning, parents can make sure that what s left of their hard-earned dollars goes to benef it their children and family, and not to Uncle Sam. What this means to a parent making a gift of money for a down payment can be illustrated with a simple example.

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