Banking and Business Abbreviations for English Learners

Banking and Business Abbreviations for English Learners Its common in banking and business to use abbreviations for a wide range of specific business expressions. Youll find each expression followed by the appropriate abbreviations below. Remember that abbreviations and acronyms are used differently in English. Abbreviations are used to replace words or expressions while acronyms simply take the first letter of each word. Its true that some abbreviations are acronyms, but not all. Common Banking and Business Abbreviations Against all risks a.a.r.Account a/cAccount current A/CAccommodation ACC/ACCOMAccount acct.Actual cash value a.c.v.After date a.d.Addition/Additional add.Advise adv.Air freight bill a.f.b.Agency agcy.Agent agt.Air mail transfer a.m.t.Account of a/oAccounts payable A.P.Authority to pay A/PAccounts receivable A.R.All risks a/rArrive/Arriving arr.Arrange/Arrangement/Arranging arr/arrng.Approximate/Approximately approx.Account sales A/S, A.S.At sight a/sAs soon as possible asapAttention attn.Atomic weight at. wt.Average av.Actual weight a/wAir waybill a.w.b.Balance bal.Barrel bar.Barrel bbl.Brought down b/dBill of exchange B/E, b/eBrought forward b/fBefore bfor.Bill of health B.H.Bank bk.Brokerage bkge.Bill of lading B/LBrought over b/oBills payable B.P.By procuration b.p.Bills receivable B.R.Balance sheet B/SBerth terms b.t.Bushel bu.Book value B/VCirca: centaire ca.Chartered accountant C.A. Current account c.a.Cash against documents C.A.D.Cash book C.B.Cash before delivery C.B.D.Carbon copy c.c.Carried down c/dCum dividend c.d.Carried forward c/fCompare cfCost and freight c fClearing house C/HCustom house C.H.Charges forward ch. fwd.Charges paid ch. pd.Charges prepaid ch. ppd.Cheque, check chq.Cost, insurance, freight c. i. f.Cost, insurance, freight and commission c.i.f. c.Cost, insurance, freight, and interest c.i.f. i.Car load c.l.Call of more C/mCredit note C/NCare of c/oCompany co.Cash on delivery C.O.D.Commission comm.Corporation corp.Cash on shipment C.O.S.Carriage paid C.P.Charter party C/PCharters pay duties c.p.d.Corporation cpn.Credit; creditor cr.Cable transfer C/TConstructive total loss c.t.l.Constructive total loss only c.t.l.o.Cumulative cum.Cum dividend cum div.Cumulative preference cum. pref.Commercial weight c/wCash with order C.W.O.Hundredweight cwt.Documents against acceptance; deposit account D/A Documents against payment DAPDebenture db.Deferred def.Department dept.Dead freight d.f.Draft dft.Draft attached dtf/a.Clean draft dft/c.Discount disc.Dividend div.Dayletter DLDaily letter telegram DLTDebit note D/NDelivery order D/ODitto do.Dozen doz.Documents against payment D/PDebtor dr.Doctor Dr.Days after sight d/s, d.s.Deadweight d.w.Dock warrant D/WPennyweight dwt.Dozen dz.European Currency Unit ECUEast European Time E.E.T.For example e.g.Enclosure encl.Endorsement end.Errors and omissions excepted E. O.E.End of month e.o.m.Except otherwise herein provided e.o.h.p.Especially esp.Esquire Esq.Established est.Out exex coupon ex cp.Ex dividend ex div.ex interest ex. int.ex new (shares) ex h.ex store ex stre.ex wharf ex whf.Free of all average f.a.a.Fast as can f.a.c.Freight all kinds f.a.k.Fair average quality; free alongside quay f.a.q.Frequently asked questions F.a.q.Free alongside ship f.a.s. For cash f/cFree of capture and seizure f.c. s.Free of capture, seizure, riots, and civil commotion f.c.s.r. c.c.Free delivery to dock F.D.Free discharge f.d.Following; folios ff.Free of general average f.g.a.Free in bunker f.i.b.Free in and out f.i.o.Free in truck f.i.t.Free on board f.o.b.Free of charge f.o.c.Free of damage f.o.d.Following; folio fol.Free on quay f.o.q.Free on rail f.o.r.Free on streamer f.o.s.Free on truck(s) f.o.t.Free on wagons; free on wharf f.o.w.Floating policy F.P.Fully paid f.p.Free of particular average f.p.a.Freight frt.Freight paid frt. pd.Freight prepaid frt. ppd.Freight forward frt. fwd.Foot ft.Forward fwd.Foreign exchange f.x.General average g.a.Goods in bad order g.b.o.Good merchantable brand g.m.b.Good merchantable quality g.m.q.Greenwich Mean Time G.M.T.Gross national product GNPGood ordinary brand g.o.b.Gross gr.Gross register ton GRTGross weight gr. wt.Gross tonnage GT Home consumption h.c.Height hgt.Hogshead hhd.Head office H.O.Hire purchase H.P.Horsepower HPHeight ht.Integrated data processing IDPThat is i.e.Insufficient funds I/FIndicated horsepower i.h.p.Import imp.Incorporated Inc.Inclusive incl.Interest int.Invoice inv.I owe you I.O.U.Joint account J/A, j.a.Junior Jr.Kilovolt KVKilowat KWKilowatt hour KWhLetter of credit L/C, l.c.Telegram in the language of the country of destination LCDTelegram in the language of the country of origin LCOLanding; loading ldg.Long ton l.t.Limited Ltd.Long ton l. tn.Month m.My account m/aMaximum max.Memorandum of deposit M.D.Months after date M/D, m.d.Memorandum memo.Plural of Mr. Messrs.Manufacturer mfr.Minimum min.Minimum lending rate MLRMoney order M.O.My order m.o.Mortgage mortg.Months after payment M/P, m.p.Mates receipt M/RMonths sight M/S, m.s.Mail transfer M.T.Making-up price M/UName; noiminal n.No account n/a No advice N/ANo commercial value n.c.v.No date n.d.Not elsewhere specified n.e.s.No funds N/FNight letter NLNo noting N/NNo orders N/ONumber no.Not otherwise enumerated n.o.e.Numbers nos.No par value NPVNumber nr.Net register ton n.r.t.Not sufficient funds N/SNot sufficient funds NSFNet weight n. wt.On account o/aOverseas common point OCPOn demand; overdraft O/D, o/dOmissions excepted o.e.Overhead o/hOr nearest offer ono.Order of O/oOpen policy O.P.Out of print; overproof o.p.Owners risk O/R, o.r.Order, ordinary ord.Out of stock O.S., o/sOvertime OTPage; per: premium p.Particular average: per annum P.A., p.a.Power of attorney; private account P/APhase alternation line PALPatent-pending pat. pend.Pay as you earn PAYEPetty cash p/cPecent; price current p.c.Parcel pcl.Paid pd.Preferred pf.Package pkg.Profit and loss P/LPartial loss p.l.Promissory note P/NPost office; postal order P.O.Post office box P.O.B. Post office order P.O.O.Pay on return p.o.r.Pages pp.Postage and packing p pPer procuration p. proPrepaid ppd.Prompt ppt.Preference pref.Proximo prox.Postscript P.S.Payment pt.Please turn over P.T.O., p.t.o.Partly paid ptly. pd.Par value p.v.Quality qulty.Quantity qty.Riot and civil commotions r. c.c.Refer to drawer R/DRunning down clause R.D.C.In regard to   reReceived; receipt rec.Received recd.Redeemable red.Reference ref.Registered reg.Returned retd.Revenue rev.Refused on delivery   R.O.D.Reply paid R.P.Revolutions per second r.p.s.Please reply RSVPRight side up with care R.S.W.C.Railway RyStamped addressed envelope s.a.e.Stock at valuation S.A.V.Sea damaged S/DSight draft S/D, s.d.Without date s.d.Special drawing rights SDRSigned sgd.Sundays and holidays excepted s. h. exShipment shipt.Signature sig.Sue and labor clause S/LC, s l.c.Shiping note S/NSellers option s.o.Standard operating procedure s.o.p. Spot spt.Senior Sr.Steamship S.S., s.s.Short ton s.t.Sterling ster.Stock exchange St. Ex.Sterling stg.Sub voce s.v.Telegraphic address T.A.Trial balance T.B.Telephone tel.Temporary secretary temp.Total loss T.L., t.l.Total loss only T.L.O.Multiple telegram TMTurn over T.O.Transfer tr.Telegram to be called for TRTrust receipt TR, T/RTelegraphic transfer (cable) TT, T.T.Telex TXUrgent UGTUnder separate cover u.s.c.Underwriters U/wsVolt v.Value val.Value-added tax v.a.t.Very good vg.Very high frequency VHFVery highly recommended v.h.r.Wat w.With average WAWaybill W.B.Without charge w.c.West European Time W.E.T.Weight guaranteed wg.Warehouse whse.With other goods w.o.g.Weather permitting; without prejudice W.P.With particular average w.p.a.War risk W.R.Warehouse receipt W/R, wr.Weather working day W.W.D.Weight wt.ex coupon x.c.ex dividend x.d.ex interest x.i.ex new shares x.n.Year y.Yard yd. Year yr.Yearly yrly.

Suggested Attire for an Immigration Interview

Suggested Attire for an Immigration Interview It is rare to find a person who is not the least bit nervous about an immigration interview. This is the face-to-face meeting with an immigration officer who will evaluate an applicants credibility and eligibility for entrance into the United States for as long or as short a stay as is requested. As with any meeting, first impressions do matter. A persons presentation, demeanor, and appearance play into that impression. Does Appearance Matter Officially? Officially, what you wear should have no bearing on the interviewing officers adjudication of your case. When conducting an interview, immigration officers must be nonjudgmental and nonmoralistic, setting aside any personal biases. Even if the immigration officer feels personally offended by your attire, he or she must put personal feelings aside and not allow them to have any bearing on the final determinations. That said, remaining completely neutral is very difficult. U.S. Citizenship and Immigration Services (USCIS) immigration officers are trained to avoid letting their personal judgments affect a case, but interviewees can ease the process by dressing in a professional, respectful manner. Suggested Attire A good rule of thumb is to dress as if you were going to a job interview for an office job or meeting your partners family for the first time. In other words, wear something clean, comfortable, moderately conservative, and presentable that makes a good impression. Clothing does not have to be expensive, but it should be clean and pressed. Polishing shoes so they shine brilliantly is not necessary, but do give them a quick wipe if they need it. Attire can include clothing that is business casual, such as a clean, pressed outfit- a less formal version of classic business attire. If an applicant feels comfortable wearing a suit, then that would be a good choice. If the applicant feels a suit would be uncomfortable, then a pair of pants, a nice shirt, a skirt, or a dress is suitable as well. What Not to Wear Do not wear anything that might be considered offensive or controversial. This includes political slogans or pictures. Use perfume or cologne sparingly. Some people have allergies and sensitivities to scents. Since waiting rooms have a tendency to get cramped at times, competing scents may overwhelm the room and bother an interviewer. Other suggestions of what not to wear include gym clothes, such as sweatpants, tank tops, or shorts. Use your own discretion with makeup and hairstyles; choosing a look that is not too distracting for the interviewer would be best. Attire for the Naturalization Ceremony Taking the oath to become a U.S. citizen is an important ceremony. People will be bringing guests, and some ceremonies may have famous people, such as dignitaries or other newsmakers, in attendance, so at least business casual is recommended. Expect that lots of pictures will be taken, too. According to the USCIS Guide to Naturalization web page for the naturalization ceremony, The naturalization ceremony is a solemn and meaningful event. USCIS asks that you dress in proper attire to respect the dignity of this event.

Employment Law Case Study Example | Topics and Well Written Essays - 2750 words

Employment Law - Case Study Example I'm only doing my job." He then picked up heavy glass paperweight from the desk and threw it at Mrs Simpson, hitting her in the face which resulted in serious injury. Tom tried to justify his behavior by claiming that his line manager, Sarah Harper, has been constantly criticizing his performance, customer care approach and time keeping. Later, at an official party, where he was rebuked and laughed at for his conduct with the customer, he picked up fight and injured one of his co-employee. In the facts and circumstances given above, two incidents of causing injury are directly attributable to the employee. Thus, the issue presented for consideration is as to who would be held liable for compensation to the victims for the tortuous and wrongful act of Tom Barnes. Apart from the criminal liability of Tom Barns for which a separate action would lie either by the employer or by the customer, in all probabilities, the relief of monetary compensation or punitive damages can be sought by the customer by primarily suing the employer as defendant as the employer is liable under tort for the acts committed by his employee. The liability of the employer for the tort or wrongful commission of an act by an employee emanates from the well known maxim "Respondent Superior", which means, Superior is responsible or let the principal be liable. This liability derives its validity from the fact that he who does an act through another is deemed in law to do it himself. This is also known as vicarious liability of the employer. Vicarious Liability As stated above, Vicarious liability is an old principle of employment law whereby the employer is held to be responsible for the acts of its employees when they are acting within the course and scope of their employment. The vicarious liability of the employer can be traced to the definition of employer-employee relationship propounded by the U.S.Supreme Court in the case of United States v. Silk (1) 91 L.Ed. 1757: 331 U.S. 304 (319), per Reed, J. wherein it was agreed that the test was whether the men were employees " as a matter of economic reality". The important factors were said to be "the degrees of control, opportunity of profit or loss, investment in facilities, permanency of relations and skill required in the claimed independent operation." The indicia of employer-employee relationship is further elaborated in the "Re-statement of the Law" (2) as follows: (a) The extent of control which, by agreement, the master may exercise over the details of the work; (b) Whether or not the one employed is engaged in a distinct occupation or business; (c) The kind of occupation with reference to whether, in the locality the work is usually done under the directions of the employer or by a specialist without supervision. (d) The skill required in the particular occupation; (e) Whether the employer or the workman supplies the instrumentalities, tools and the place of work for the person doing the work; (f) The length of time for which the person is employed; (g) The method of payment, whether by the time or by the job; (h) Whether or not the work is a part of regular business of the employer; and (i) Whether or not the parties believe they are creating the relationship of master and servant. It would follow from the above that since the employee is in total control and supervision

Field Notes and Reports Essay Example | Topics and Well Written Essays - 500 words

Field Notes and Reports - Essay Example Criminal investigation is the way of finding out, assembling, organizing, classifying and presenting evidence to establish what occurred and the person involved with the crime. Criminal investigation is a useful process, and it uses subtractive explanation, a reasonable procedure in which the ending follows from certain details. An investigator proves that the suspect is guilty of a crime through a certain aspect of the evidence (Lyman, 2013). There exist three main scientific methods in which a criminal can be identified, they include; Dactylography: is the study of fingerprints as a way of identifying an individual. Dactylography is regarded as a dependable way of recognizing an individual because the fingers’ and hands’ papillar lines are unique (Lyman, 2013). DNA: Forensic scientists can utilize DNA contained in the semen, blood, skin, saliva or hair found at the scene of a crime to recognize an identical DNA of a suspect. The FBI was the initial public sector crime laboratory in the United States to allow cases for DNA scrutiny. Uniformed and plainclothes officers play different roles in the criminal investigation as people rely on them to safeguard their lives and property. Various police officers focus in various fields such as chemical and microscopic scrutiny, guiding and firearms lessons, or handwriting and fingerprint recognition. Some work in various departments such as Special units and special weapons and tactics also known as SWAT (Lyman, 2013). It reviews and estimates the related features of an offense committed by diverse criminals. The inductive reasoning is founded on the hypothetical and investigational study of the criminal behavior. Inductive reasoning does not require expert forensic acquaintance, education or guidance in the criminal behavior study (Becker, & Dutelle, 2013). Deductive reasoning requires acquaintance and application of psychology, sociology, criminology and psychiatry. In deductive reasoning an

Values Of Russian Education Essay -- Philosophy Philosophical Essays

Values Of Russian Education ABSTRACT: The paper discloses changes in Russian education from a prospective which focuses on the culturology of education (Krylova 1994, 1995, 1996), a new trend in theories of education that is being constructed upon the established turf of philosophy of education. The culturology of education includes inquiry concerning both cultural values and pedagogical methodologies. It attempts to explain the whole complex of cultural, sociocultural, and multicultural problems in education with reference to principles drawn from both educational theory, and cultural anthropology and philosophy. I argue that the solution to many educational problems will become possible when the educator or researcher utilizes the culturological approach in effective ways. The modification of practical and theoretical values in a given system of education is the best gauge of positive change and innovation in education. But as known, there are different kinds of values. For example there are value-myths and value-ideals, enduring and time honored values and and newly articularted values, invariable and variable values, and finally values based in super-personal, personal and interpersonal spheres of endeavor. The real values of education (and philosophy of education, too) have changed in the last years to a considerable extent. The Law of RF (On Education, at July, 10, 1992) directs educators to repect the following principles: education needs to be "humanist" in nature, entailing respect for human individuals; education needs to uplift values common to all humankind; there needs to be a unity of federal cultural and educational space; there needs to be protection for national cultures and regional traditions, so tha... ...not emphasize. The time has now come for culturology to develop their ideas and the practical norms that will change education. References Asmolov A. (1996). Cultural-historical psychology and constructing of the worlds. (Russ). Moscow. Haberman, M. (1991). Can cultural awareness be taught in teacher education programs? In: Teaching Education, N.4, 25-32. Krylova, N. (1996). The Introduction into culturological problems of education. In: New Educational Values: Cultural and Multicultural Environment of Schools (Moscow). N.4, 132-152. Ladson-Billings, G. (1995). Toward a Theory of Culturally Relevant Pedagogy. In: American Educational Journal. V32, N.3, 465-491. Pai, Y. (1990).Cultural foundations of education. Columbus, OH: Merrill Publishing Company. Rozin V. (1994). Psychology and cultural development of the Man. (Russ). Moscow, Russ.Open Univ.

Moving to a new school

Moving to a new school, I admit, is quite frightening. Especially if you are moving in the middle of school year where everybody had already found their own group of friends. But this can change. Maybe moving toa new school can be so much better than staying in your old school, or it can the best and unforgetable experience for you at school. In order to achieve that, here are some tips that can help you. First, ask the teachers in charge of the informations you might need or know in the school. You may contact them via phone or directly.The informations you got from the teachers in charge could be used by you as a guidence to help you adapting in the new school. The teachers whose in charge, whether its a He or she could tell you how to dress for the first day and the things you need. Since you're a new student and have no idea of the rules, They will probably tell you about things that are prohibited by the school to be worn on the first day, no skinny Jeans, no mohawk hairstyles, no braceletes, no crop tops, and manyore. Second, prepare everything beforehand.It ill decrease the possibility of forgetting important things. Third, be open-minded, don't be shy and try to talk to everyone whenever you see the opportunity. If you act like you're scared, people will be reluctant in approaching you. Just act normal and you'll be fine. The last one, make new friends. They will be the ones who help you going through your first year. By following their advice you will be more comfortable moving to a new school. From what I've learnt, the relationships inventory can be classified into two groups.The first one is being people that are able to socialize properly and the other one being people that felt left out and cant blend in their society. After reading and analizing the inventory, i realized that I'm in the middle of those two groups. Sometimes i would rather stay at home spending time by myself than going out with friends or family. I am accepted by my friends, fami ly, and the teachers. They seem to like me but most of the time i am not confident. But other times i can be friendly to everyone and talk to them.Moreover i can share opinions with my friends. I wanted to be in the first group. I want to be able to socialize with everyone and be open- minded. In order to do this, i must develop more self-confident and learn not to be afraid to be myself in front of people. By doing this, I'm sure i can improve. We always wonder and wish to be a famous actor/actress/artist one day. But living as a popular person who surrounded by hundreds of cameras' light everyday might be so annoying sometimes. But have we ever wondered why those paparazzi took the pictures?Is it because of the famousity we have, the achievements in our work, or is it because we did something wrong? Thats Just what happened currently with AQJ, or mostly known as â€Å"dul†, the smallest son of Ahmad Dhani, one of most known musician in Indonesia. Dul has Just had a car acci dent which killed more than 6 people. Dul is still 13 years old, so his father forbid him to drive alone. But it seemed from the source in television, Dul was not listening to his father, so he went to bogor with his at night.Dul was driving â€Å"lencer† car and was believed reached 150km/h speed inimum. Because he drove with a very high speed, he couldn't control the car's balance which made his car crashed the highway seperator and moved to the other road. Since there are victims of this car accident, the victims' family asked the accountability from ahmad dhani's family. Responding to the the victims' family, Ahmad Dhani made a promise to pay for all the education fee until the victim's kid graduate from university. If Dul listened to his father to not driving alone, the car accident wouldn't happen.

A Comparative Analysis of Juvenile Crime In The United States And Japan Free Essay Example, 13750 words

In general, juvenile crimes are committed by individuals under an agreed upon age of legal responsibility. In areas like the United States, there are variances in such designations that make definitive comparisons using juvenile crime statistics imperfect. For example, some states try 16- or 17-year-olds based on the offense, which can lead to situations in which persons under 18 are tried as adults (Puzzanchera, Adams & Hockenberry, 2012). Though not a perfect predictor, it generally can be assessed that the more serious (violent) the crime is, the greater the chance that a state will try a 16- or 17-year-old as an adult. In Japan, the juvenile delinquency problem is as rampant as in the United States. â€Å"In Japan, the crime situation was very good and stable during almost all the postwar Showa Era (1945-1988), while the United States was suffering from crimes. In the late 1980’s, however, crimes in Japan started to increase rapidly, while those in the United States dropped dramatically† (Ogino, 2005). First time offenders are repeating their crimes as early as the same year as the first offense. We will write a custom essay sample on A Comparative Analysis of Juvenile Crime In The United States And Japan or any topic specifically for you Only $17.96 $11.86/page Environment is perhaps the greatest influence on adolescent behavior. This includes family setting, peers, societal pressures through media, and even the internet. In the United States, children are overwhelmed by advertisements for video games, movies and media gadgets that promote and even glorify crime. Many of the video games by Sony PlayStation and Microsoft Xbox award points for murder and theft while promoting sex. Sony PlayStation’s Grand Theft Auto is based upon strategies to steal cars. Part of successful research is comprised of looking in the right places. The factors that contribute to juvenile crime change over time along with economic conditions, trends, and people. These changes must be taken into consideration over time, as opposed to continuously looking in the same basket.