TD Bank Case Study: How a Canadian Bank Became America's Most Convenient

Td Bank Case Study
With Nearly 1,300 Banks in the east coast TD Bank has become one of the most major powerhouses of the east coast. To first understand the bank
which brands itself as America's most convenient bank, we first need to look at the four firms that created the business giant we know today. Tracing
back to its initial inception, TD bank was first founded by millers and merchants in 1855 and was initial called The Bank of Toronto. As rapid
expansion of the company grew it soon expanded to Montreal as early as 1860. But with this rapid expansion they came across a rival which was
founded in 1868 as The Dominion Bank. This rivalry will continue onwards for nearly a century, as both company's expanded their network of
branches to every part of Canada. ... Show more content on Helpwriting.net ...
But with acquisitions and mergers it soon grew to a noticeable established bank called Banknorth. The growth of Banknorth did not go unnoticed, in
the early 2000s it caught the attention of TD Bank. Then in 2007, it was fully purchased and became incorporated in the framework of the company.
With the determination to further grow their company into the United States, TD bank acquired local New Jersey Bank, Commerce Bank. With
Commerce Bank, it came with their excellent customer service and Easy going nature that made it such a successful bank. But This in turn caused a
rebranding of TD Bank, and soon it was called, TD Bank, America's Most Convenient Bank, to preserve the customer service that commerce bank
provided.
With other small acquisitions along the eastern seaboard, TD Bank became known as a major banking firm in banking. This is not to say they are
only one dimensional, as they have established firms in insurance and as well are brokers for stock trading with TD Ameritrade.
From the creation of millers, merchants, and entrepreneurs TD Bank is the child of all of these people who will and determination to grow their
company into successful ventures has caused TD bank to become, as their slogan say; America's most convenient
... Get more on HelpWriting.net ...

The Quebec Separatist Movement Of Canada
At some point, countries will fight for freedom at their breaking point. For example, during the mid 1900s, Canada did their own movement called the
Quebec Separatist Movement. The movement was about Quebec's independence from government. The movement involved the citizens of Quebec and
a group called Front de Liberation du Quebec (FLQ). The Front de Liberation du Quebec had kidnapped people in Canada. The Quebec Separatist
Movement began due to Quebec's citizens ambition to become independent and was finally resolved by making a new constitution.
The historical context of the Quebec Separatist movement included The Quiet Revolution. The Quiet Revolution was when small groups try to make
Quebec independent especially FLQ. The small groups members were Francophones, French–speaking citizens. Their ideals was to make Quebec
independent from CanadaЕ› government. First, Canada made a bill stating that it will create a better future for Canada. "The Official Language Bill
is a reflection of the nature of this country as a whole and of a conscious choice we are making about our future." (World History: The Modern Era)
Canada thought it was necessary to have one language, and it will make them feel united. After this bill was established, Canada's government
regretted and believed that there should be two official language. Yet the citizens of Canada were still deciding if they wanted that law to pass. "We
believe in two official languages and in a pluralist society, not

How Does Global Warming Affect Canada
Global warming is a serious issue throughout the world, and a thoughtful problem for Canada. In addition, this issue has evolved primarily because
of the arrival of cars and the burning of fossil fuels. Also, with this more and more dioxide carbon or co2, went to the earth's atmosphere and as a
result temperatures throughout the world rise. As time passes, Canada becomes in serious danger not only because of the raising of sea levels (which
can flood many cities and provinces) but it can also bring health issues to individuals as well as economic issues. Global warming is a real and serious
issue that Humans are continuing to build up, (because of combustion of fossil fuels in cars, factories, electricity production, etc.) and as a result, ...
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One of the problems that global warming is bringing to Canada is the raising of water levels. For example, many provinces in Canada will go
"underwater" at some point. Furthermore, it has been calculated that Greenland is now melting at a rate of 9 percent per decade, and the Arctic ice
thickness has decreased 40 percent since 1960. Accordingly, experts predicted that water levels could rise up to 10 to 23 inches by 2100. Still, it
appears that sea levels have been rising quicker than the range expected, so it's likely that water levels will rise faster than predicted. Accordingly,
scientists have estimated that glaciers are losing at about 92 cubic kilometres of ice per year. In addition, the number equals the quantity of water
used in Canada's homes, factories, and farms for over 6 years. "Glaciers store snow like bank accounts store money; they hold snow in the winter
and release water when it's most needed, during hot, dry summers and periods of drought. However, global warming is cashing in on a bank account
that has been built over thousands of years but isn't being replenished" (Quote by David Suzuki). Furthermore, these are all horrific news for Canadian
citizens. Provinces like Prince Edward Island, Nova Scotia, Newfoundland and Labrador and others might get flooded due to the rising sea levels.
Consequently, these individuals will no longer have a home for themselves, and many will not

Essay Mellon Strategic Analysis
Strategic Mangement
CASE: Mellon
1)The most important general environmental factors for Mellon are;
a.Economics: Mellon specializes in managing company's finance, there for it is very important for the economy to prosper in order for Mellon to
retain clients and perform their specialization.
b.Political/Legal: Since Mellon operates out of the U.S and Canada, it is very important that laws and regulations are exercised to avoid conflict. There
is a great deal of regulations associated with the finance and banking industry.
c.Global Segments: It is very important that the Canadian market performs well because Mellon has a joint venture with CIBC who operates out of
Canada.
2)The most important of the five industry forces ... Show more content on Helpwriting.net ...
b.Finance: ICBS Mellon is a financial service provider, they not only service other firms but it is crucial they manage their own finance well in order to
expand and finance future projects.
c.Follow–up service: The company is all service base, in order for them to retain clients they must follow strict follow–up services and maintain a
dependable CRM system.
d.I believe the following value chains are neutral compared to their competitors. Each of the competitors possess equivalent value chains, ICBS Mellon
has the competitor advantage due to their location of operation and clientele.
5)The important ratio's for the company are Return on Assets, Return on Equity, Leverage Ratio, equity–to–loans, total capital. Was not able to find
actually ratio numbers for Mellon.
6)SWOT;
a.Strength: Control large market shares, strong human capital, good synergy through JV, large presence both in Canada and U.S, acquisitions of major
banks, strong financial availability.
b.Weakness: unable to control economic conditions, difference in laws and regulation.
c.Opportunity: Global expansion, acquire more industry competitions.
d.Threats: global economy, other major banking and financial service institutions.
6&7) ICBC Mellon major advantages are their large presence in both the U.S and Canada. By acquiring many of the large players in the industry, they
are able to reduce competition and

Canad A Country Of Multicultural And Multi Ethnic
1. Definition of Canadian
Canada is a beautiful country in North America, was born in 1867. The country 's second largest Canadian world population is only 33 million. Canada
is known as a nation of multicultural and multi–ethnic. Therefore, whether your ethnicity, you also feel a little familiar.Canada is a country populated
attracted from all over the world to live the most. Thus, Canada is a multicultural country. Therefore, ethnic cuisine and entertainment activities with
the unique culture and distinct identity is also easily found in Canada. There are thousands of buildings, art galleries, museums and art institutes are
distributed throughout Canada. In addition, From the early 18th century maple leaf is considered a symbol of ... Show more content on Helpwriting.net
...
For example, Siro maple trees, stone wine, lobster baked Edvvard Prince 's Island; Quebec 's maple sugar cakes; cheese and traditional bagel of Oka;
Alberta beef; Nanaimo cake. In Canada, cultural behavior is also important to people who is living here. In Canada are not allowed to smoke in
restaurants, offices, public institutions. People who want to smoke must go outside, no matter if it 's winter or rainy. Regarding sports, the sport is
most popular in Canada is hockey and Lacrosse. However, hockey is popular with about 6 million people play this sport. In addition, there are other
sports such as football, skiing, baseball, golf, volleyball. Canada has been the host of the 1976 Summer Olympics, it was held in Montreal. The
festival is part of the Canadian culture alive. The festival is held in the summer at most, starting with May 24 Victoria Day. Furthermore, Caribana
Festival is one of the largest cultural festivals in Canada are held within 18 days on all summer. On this festive occasion, hundreds of thousands of
people that are there to enjoy the culture of the Caribbean.
2. Historical Influences:
Richard Riot was a riot on March 17, 1955 (Saint Patrick 's Day) in Montreal, Quebec, Canada. In a match held on March 13, 1955, the referee gave
a penalty to Richard. This is seen as an altercation happened on a hockey game in the history of Canada in 1955. Soon after, the Richard was
suspended for his behavior. From this reason, the supporters

The Great Canadian Real Estate Crash Of 2013
Toronto is the largest condominium market in North America followed by Montreal, Calgary, and Vancouver along with Halifax and St. Johns. Up
until 2013 the market had been growing and especially booming in Toronto. In 2013 this high condominium purchasing rate attracted the attention of
the Bank of Canada, and the question was posed whether satisfying this high demand, including from foreigner's side, was a good thing for the market.
Following that, the banks became more "cautious" when lending funds for construction or to purchase a unit. Low interest rates were believed to be
favouring the booming demand. An increase in interest rates was believed to be a serious threat, however the probability of that happening was
perceived as low in... Show more content on Helpwriting.net ...
The upward trend in condominiums ownership by individuals is seen in the numbers: in 1971 only 5% of all condominiums were occupied by private
owners, whereas in 2001 this number reached 19%. In the same year two of every three apartments formed part of a condo. In 2001 condominiums
accounted for 8% of all real estate in metropolitan cities, while they were only 1% of all real estate in smaller cities or in rural areas. There was a
difference between the major metropolitan centers. Almost one fifth of privately owned real estate in Vancouver in 2001 were condominiums, 70% of
which were apartments. In Quebec City and Montreal this number was 80%, whereas it was 50% in such cities as Edmonton, Calgary, and Ottawa
dominated by "row houses" (Canada Mortgage and Housing Corporation, 2004).
Immigration, Migration and Population
Search for employment within a province and nationwide had led to an increase in migration within Canada, both intra and inter–provincially. External
immigration increased too and the difference between external immigration and emigration abroad was estimated to reach roughly 316 thousand
people in 2013. Such population growth may be a positive trend for the real estate market, yet it is seen by some a threat to economy fuelled by
potentially rising unemployment (PWC, 2013). In 2013, migration patterns were benefiting Calgary at a higher than average national rate: 1.9% vs.
1.4% increase in population. Still, the popular belief

How NAFTA has affected the financial service industries...
The North American Free Trade Agreement (NAFTA) was enacted in November of 1993 with aims to facilitate the free flow of goods, services and
labor between the United States, Canada and Mexico. The ratification of NAFTA created the world's largest free market with roughly 390 million
consumers and an estimated total output of $8.6 trillion. Clearly, this trade alliance has had a major influence on the financial service industries of the
participating nations and will continue to do so in the future. However, the financial service provisions of NAFTA will have sufficiently greater
implications for Mexico than either the United States or Canada. This is in part because Mexico is embarking upon a greater shift towards openness in
its ... Show more content on Helpwriting.net ...
These had left U.S. banks relatively less competitive in the world market. Since the Gramm–Leach–Bliley Act (1999) amended the Glass–Steagall Act,
many financial institutions have made steps towards offering a full range of financial services and greatly increased their market share.
Overall, the U.S. advantage from NAFTA is its virtually unlimited access to the Mexican market, which has been an incentive for the United States to
restructure its domestic banking system. In the long run, NAFTA will help develop U.S. banking to compete not only in the NAFTA area but in other
world markets as well. Another benefit of NAFTA will be increased opportunities for U.S. and Canadian financial service companies (via the joint
venture route), which will necessitate foreign companies to overcome cultural and language barriers. A wide variety of U.S. firms with existing
investments in Mexico will be able to acquire previously prohibited majority ownership, including 100 percent ownership, in their investments. New
U.S. entrants in many Mexican markets may start their own wholly–owned firms in Mexico
The greatest effect that the NAFTA financial service agreement has had on Canada is the liberalization of their financial sector. Many banks and
financial institutions have been increasing in size through mergers and acquisitions. In 2001, the Royal Bank of Canada acquired Centura Banks and
its 240

Azealia Banks
Azealia Banks (http://musicsnake.com/azealia–banks–im–not–here–to–be–your–idol/) was forced to cancel her performance at Glastonbury citing she
needed vocal rest. "Today I was put on vocal rest by my Doctor which is forcing me to cancel Glastonbury. You have no idea frustrated and sad this
makes me because I love the UK and Glastonbury so much," Banks told Billboard magazine. She continued,"You have all supported me from the
early days and I was really looking forward to putting on an incredible show for you all– rain or shine." Banks will be replaced by The Strypes, who
will hit the stage on June 27th. According to her schedule, Banks' next show is on July 4th in Milan, Italy. The rapper did not reveal if she is
going to have to cancel any more dates. Banks did state that she won't go out onstage until she makes a full recovery. "Please know that as soon as I'm
allowed to be onstage again, when I have a full bill of health, I will be back! I hope you understand and I look forward to seeing you all again soon," the
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The song became an instant hit online, and it sold an impressive 250,000 digital copies. "212" reached the singles charts from all around the world
including Scotland, the UK, Netherlands, Europe, Belgium, and Australia. Banks has dropped two projects including 1991 (EP) and Broke With
Expensive Taste. Her latest effort, Broke With Expensive Taste, peaked at Number 2 on the Top Rap Albums chart and the Independent Albums
chart. It also reached Number 30 on the Billboard 200, and it impacted the charts in the Australia (Number 2), UK (Number 5), Ireland (Number 15),
and Scotland (Number 58). The project was led by the singles "Yung Rapunxel," "Heavy Metal and Reflective," "Chasing Time," and "Ice Princess."
The music video for "Ice Princess" received over one million views on YouTube, and the single reached Number 41 on the Twitter Top Tracks

Jackie Robinson: Annotated Bibliography
Work cited
1. "History.com." History.com. A&E Television Networks, n.d. Web. 09 Feb. 2017.
2. "Jackie Robinson." Biography.com. A&E Networks Television, 31 Jan. 2017. Web. 09 Feb. 2017.
3. "Jackie Robinson." Jackie Robinson – The Official Website. N.p., n.d. Web. 09 Feb. 2017.
Do you know who the first African Americanbaseball player to play in the major leagues was? If not, it was Jackie Robinson. Jackie Robinson was a
major part in baseball history. Jackie Robinson broke the color barrier several times. Here are several ways how.
Jackie Robinson was born January 31, 1919 in Cairo, Georgia. Jackie was the youngest of 5 children and he was he was raised in relative in relative
poverty by a single mother. He attended high school at john muir high and went to Pasadena junior college. Robinson was an outstanding athlete, while
he was in high school and college he played 4 sports, baseball, football, basketball, and track. Robinson continued his education at the university of
California, Los Angeles where he won varsity letters in four sports. Robinson ... Show more content on Helpwriting.net ...
Jackie chose to play baseball. Baseball at the time was segregated and whites and blacks played in separate leagues. He began playing for the
Montreal royals after being noticed by Branch Rickey, the owner of the Brooklyn dodgers. The Montreal royals were an all white baseball team at
the time but when Jackie started playing with them, it began to change. Jackie became the first African American to play on an all white baseball
team. In 1947, Robinson made his debut at ebbits field for the dodgers and became the first African American baseball player to play professional
baseball. Robinson had a great season even though he took lots of threats from fans. He also won rookie of the year at the end of the season. During
Robinsons decade long career with the dodgers, he and his team won the national league

The Evolving Canadian Fur Trade History
''The Evolving Canadian Fur Trade History''
Shayne Lloyd
History 1121
Thompson River University
August, 24 2016
''The Evolving Canadian Fur Trade History''
Canada is known for the vast landscape diverse in natural resources that are found with in its boarders stretching from coast to coast. The fur trade in
Canada has a unique and colorful evolving history. The geography of Canada with its thousands of lakes and wide spread landscape began as a pristine
environment to harvest furs. Early shore–based fishing exploitations off the Grand Banks could have been causes for the initiation of the North
American fur trade. Europeans were attracted by the superb quality of the furs in the possession of the natives they encountered and saw the potential
for marketing such furs in Europe where stock of good quality fur was becoming increasingly limited. Native people in what is now Canada, were
interested in trading their furs for European goods not accessible or known by the Native people. Foreign items that the Natives sought out were metal
implements, clothing, blankets and horses. Across the ocean a change in men's headwear fashion in western Europe in the late 16th century motivated
and drove the North American fur trade as a major business opportunity for European nations. As part of their uniform Swedish military officers
fashioned a wide brimmed felt hat that inspired European men to wear a similar style of hat, this type of hat became a big demand in

Hitek Case Study Essay
1.Who are the Customers of Mitchell and his HR Staff?
The customer's of Mitchell and his HR staff could be considered to be every employee of the Bank of Montreal. This would include Executives,
Directors, Line Managers, and even the employees. Secondarily, he would have customers at the parent company of the Bank of Montreal, SBC.
Finally, Mitchells' staff would also be responsible directly to the end customers of the Bank of Montreal. According to Shurtleff (1998), the customer
of HR is anyone that is a stake holder in the organization. However, Shurtleff (1998) further breaks down those individuals into the following four
groups:
1)Customers: Are those that make a buying decision. That is to say, a individual that can decide... Show more content on Helpwriting.net ...
I further believe that in order to get them to cooperate, it goes back to my answer in question number two. Mitchell is going to have to ensure that he
has buy–in from senior management. Secondly, he is also going to have to understand the environment in which he is affecting the change (Jackson &
Schuler, 2006, p. 167). The worst thing that Mitchell and his staff could do is make change for the sake of change. Change has to be calculated;
otherwise the line managers and employees are going to be resistant to a partnership with HR. One of the most critical parts of HRs tasks in this
endeavor is to ensure they gather all the information necessary to make informed, logical, and productive changes.
4.Develop a matrix with projects, dates milestones, and people involved (i.e., HR, line managers, and employees) for Mitchell and his staff.
HR ObjectiveHR ObjectiveHR ObjectiveHR Objective
Gather InformationDevelop AgendasImplement AgendasEvaluate and Revise
MetricsMetricsMetricsMetrics
Achieve buy–in from senior management
Gather information from internal and external sources
Gather objective and strategic goals from line managers.
Gather objectives and job responsibilities from employees
Map gathered information to industry best practices. HR, with the new strategic vision in mind, will begin to formulate new agendas, policies and
plans for the organization.
Focus on critical areas of improvement

Montreal Research Paper
GENERAL INFORMATION ABOUT THE CITY
Montreal is located in the Canadian province of Quebec, 200 kilometres east of the national capital Ottawa.
With a population of 3.82 million people, it is the largest city in the province, 2nd largest in the country and 9th largest in North America. It is also
one of the most diverse cities in North America with an intriguing blend of English and French Canadians. The city is the largest French speaking city
in the world after Paris. However, that does not mean that the people only speak French! Montreal's 53% population is bilingual.
One more fact that makes this city attractive is its young population. The city has more than 2.5 million people from the age group 15–64 and the growth
ACCESS TO INFRASTRUCTURE
Montreal's public transit system, run by STM (societe de transport de Montreal, the agency responsible for operating the city's bus and Metro services.)
was founded in 1950 and is the fourteenth biggest employer in Quebec province.
STM holds importance as 22.2% of Montreal's working population use public transit to commute to and from work.
The STM bus Network
The STM bus network comprises of 170 day routes and 20 night circuits. There are also express buses, and Airport transit bus service 747. It is the
most affordable and convenient way to and from the

Home Buying Process
Process paragraph
The process of buying a house can be really easy. With a little research of your own or with the help of a real estate agent you find the right house
that fit your needs. You can buy a house in 3 easy steps. First, you have to make some research and go visit some houses that you are interested in.
Then, once you have selected the house of your choice, you need to make an offer. Finally if it's accepted, you'll need to go to the bank for a loan. The
bank will loan you approximately up to 95% of the purchase value and you'll need 5% of the house value so the bank can land you some money.
Description paragraph
Compare and contrast paragraph
Every statistic is proving that the Anaheim Ducks will have a better season then Montreal Canadiens. The Anaheim Ducks have every tools to have a
batter season and go even further in the playoff. These two teams are fast team that excel when it comes to penalty killing.
The big difference is in size. The Ducks have an average of 6.2 Ft and 207 lbs. and the Habs have an average of 6 Ft and 202 lbs. Another difference
is the offensive talent. The Ducks have a better number one center man in captainRyan Getzlaf and the Canadiens have Alex Galchenyuk. Ryan Getzlaf
North America is filled of professional sports league: NHL, NFL, NBA AND MLB, just to name a few. All sports have one thing in common:
They all have fans. They are many different type of fan. I decided to separate them into three big categories: the loud, hateful fans and the quiet.
The loud one are the died hard fan, they are really into the game cheering for their team, this type of fan is loyal to his team even if they are losing.
The hateful fans are the detestable fans that become really angry when is team loses and always finding a reason for the loss of his team, usually
blaming the referee. The quiet one, is usually the occasionally sports fan, the type of fan who says he likes football but only watches the super

GR Hotels Essay
GR HOTELS INC
Preliminary Report
To: Andrew Mayd, CEO
From: Chris Mell, CMA
Subject: Analysis to increase occupancy rate
Date: January 15th , 2008
Introduction. The report was prepared for GR Hotels Board of Directors review. It examines current opportunities to increase profitability. Several
options were examined and the most plausible solution proposed – Upgrade to upscale both hotels. This measure will increase long term profits and
improve position in the core business.
GR Hotels current mission and vision :
MISSION: Clean Comfortable rooms(what), good quality service(how) to business and pleasure travellers(who) in Toronto and Montreal (where) at
competitive prices ( how).
VISION: GR Hotels ... Show more content on Helpwriting.net ...
Current financial forecast states that Canadian economy will decrease slightly to 2.2% in 2008 and then rebound to 2.9% 2009. It is highly unlikely
that the price for land in the prime area – Downtown Montreal will decrease. In a year we can revaluate this decision.
c. Sell the land for a quick profit. This alternative will improve GR Hotels financial results, increase ROE, ROI and profit margin. It will increase GR
Hotels cash and liquidity, helping to move into new direction. However, benefits are short term. The management team will benefit from better salaries
and bonuses for 2008.
STRATEGIC ALTERNATIVE 2– UPGRADE HOTELS TO UPSCALE
(Please refer to Appendix 5)
This alternative has positive Net Present Value. GR Hotels Gross profit margins stands at 27% well above required by bank 11% to secure the
funding. GR Hotels has a reliable contractor Larson. His pricing is always within the budget and all contracted projects were delivered on time. It
makes sense to upgrade both hotels since booking and administration grow 20% regardless the # of hotels upgraded. This alternative will improve
occupancy rate to 72% in Montreal and 75% in Toronto It is above industry average for upscale hotels. In room and restaurant service will bring
additional incremental revenue. Guests will spend additional 10%. This option will have a big impact on restaurant personnel.

RECOMMENDATION:
Based on qualitative and quantitative analyses

Observation At MADA
The amount of economically disadvantaged Jewish people has been consistently rising for years within the Montreal community. With 18.5% of the
community falling under the poverty line, Montreal has the highest rate of Jewish poverty in Canada. MADA is an organization tasked with
lowering this number in the coming years and is close to the hearts of many, both clients and volunteers alike. For example, Lauren Rubio has been
dedicating her time to this facility for over ten years and is one of many dedicated volunteers. "MADA has two main goals," says Rubio. "The first is
to help the Jewish poor: people living under the poverty line, immigrants... We deliver themfood, clothing, and furniture. The other is to help the
lonely." As Rubio stated, MADA has an extremely... Show more content on Helpwriting.net ...
In terms of furniture, MADA has another depot, which can be significant to those who either cannot afford the items they need or those who, after
emergency situations such as fires, are left without any furniture. Finally, there is Shabbat to Share, their newest and most distinctive program.
Volunteers are to distribute boxes to the poor containing the essential items, such as food and religious texts, that the celebration of Shabbat, a
weekly Jewish celebration, necessitates. Not only does it assist others from a religious standpoint, but is also helpful from a social one. "You can go
in and talk to [the client] for a two minutes, five minutes, depending on who it is. But a few minutes will change their lives," says Rubio. Every year,
there are more and more volunteers such as herself that participate in various different ways, such as Shabbat to Share delivery and the preparation of
food in the

Crisis Management of Potential Site Risks in Quebec
Crisis Management Potential site risk in Quebec Earthquake According to the Kovacs (2010) each year, around 4000 earthquakes are recorded in
Canada. These earthquakes are mostly small but some earthquakes are large. A huge earthquake will strike some day everywhere in Canada. There is
5 to 15 percent probability that earthquake will strike in Southern Quebec including Montreal and Quebec City in the following fifty years. The
western Quebec seismic zone includes Montreal. Even though the risk is lower in terms of frequency and severity, there is a risk of a damaging
earthquake will strike the Quebec region (pp.10–12). Ice Storm As discussed by Karsh (2009) ice storms are the one of climate extremes model which
has been impacting in the North America with heavy frequency, severity, and long duration. The frequency and severity of ice storms can increase in
some latitudes. The ice storm can strike down transmission lines, and electricity in the numerous of homes. The mixture of icy roads, and strong
winds and snow can cause widespread devastation. However, Extreme ice storm is not only emerging as a critical issue in weather change; it also has
a high correlation to expected changes in biodiversity than weather change alone (pp. 9–10). Others Coppola's (2011) study explained Quebec has
experienced different types of disaster such as flight crash, city fire, derailment, bridge collapse, gas explosion and etc historically. Technological
disasters bring about negative

Montreal Research Paper
The city of Montreal is a city located in the southwest of Quebec, Canada. It is located situated at on the banks of the confluence of the Ottawa and St.
Lawrence rivers. It rivers. Montreal is the second largest city in Canada, the largest city in Quebec. Before the 1970s, Montreal was once Canada's
largest city, is a famous industrial, and commercial and financial center. English and French are the two most popular languages in the city. As the
Gothic churches and French residents everywhere, reflecting the unique French cultural heritage, Montreal is considered the North American Paris.
Montreal's unique The cultural uniqueness, the beautiful cityscape, and leisure lifestyle have been rated Montreal as one of the most inhabitable cities ...
[more cool; winter cold, often heavy snow, sooner or later the temperature difference, the temperature is often kept below zero degrees Celsius, but the
indoor heating conditions, indoor clothing without thick , But must wear a very warm down jacket .] However, in winter temperature varies from
cooler to cold, often followed by heavy snow sooner or later in the season. The average winter temperature often drops down below zero degrees
Celsius, but in most households have heating conditioners thus, thick clothing is not necessary for indoors, but one must wear warm down jackets for
outdoor.
If [you ] one arrives in August or early September, there weather is still is warm, you have enough time to buy winter clothes as the temperature is
still warm. Although, If you arrive in December or early January, you will one must need suitable winter clothes on arrival in the cityas soon as you
arrive, as temperatures from November to March are often below 0 degrees

Zoom Snowboards Case
Course: ATG657 Date: March, 8 2016
Topic: Written Assignment #2BU ID: 259212
Zoom Snowboards Inc.
Introduction
Zoom Snowboard Inc. is a privately owned Canadian Snowboard company, produces snowboards, apparels and videos. The major focus of the
business is offering customized snowboards and it has recently expanded its business to the sports apparels. The company has seen tremendous growth
in its new line of business but there are concerns regarding its pricing policies and the management has decided to set in place new discount and return
policies that would be offered to the vendors.
In the given case study, as an audit scenario, I need to analysis the significant risks of material misstatements ... Show more content on Helpwriting.net
...
(AU–C 315 par. .06b and .A14 to .A16) Analytical analysis along with the experience from previous audits have helped us in identifying the risks at the
financial statement level and identifying the six specific account balances that need to be focused while auditing the financial statements ending October
2011.
Answer 1: Risks of Material Misstatements at the Financial Statement Level
AU–C 315 Understanding the Entity and its environment and assessing the Risks of Material Misstatements, helps in understanding the risk of
material misstatements at the financial level for Zoom Snowboards Inc. The risks at financial statement level along with the reasons associated to it are
as follows:
1. Risk: The covenants of the loan agreement can create risk of material misstatement at the financial statement level. Reason:
a.Zoom is undertaking expansion of its business and negotiating with the bank for financing to fund its operations. Zoom is a heavily leveraged firm
(Refer Annexure Part – E) and is subject to the restrictions placed by the bank and failure to meet them will raise a liability to repay the loan
immediately and raises an issue of going concern of it operations.
b.Zoom has a limited source of financing and the cash flows are also limited, placing Zoom in

An Analysis of Five Successful Canadian Companies
The first company is Tim Horton's. Tim's is a quick service restaurant in Canada and some parts of the US. Its primary products are coffee, lunches
donuts. It is a top 50 quick service restaurant in the US (Oches, 2012) and is #1 in Canada. The company was founded by Maple Leafs player Tim
Horton in his hometown of Hamilton in 1964. The company has grown rapidly for much of its existence. For a time, it was owned by the American
burger company Wendy's but in 2005 was spun off again. Tim Horton's is again growing rapidly, this time internationally. In addition to its US
presence, the company has arrangements with Spar stores in Ireland and the UK, and is now opening outlets in the United Arab Emirates. Within each
geographic area, Tim Horton's targets a broad market, judging by its market share. Tim Horton's centralizes production of most of its food items, having
them shipped to the stores. For much of its history, the company baked its donuts in–store, but often that is no longer the case. Pricing for Tim Horton's
is relatively low, as befits a quick service restaurant. The average ticket is likely well below $5 and the company relies on a high volume of
transactions for its success. The margins on food products are relatively low, though margins oncoffee products are slightly higher. Fixed costs relate
primarily to the company's real estate assets, as well as some equipment. As of 2010, Tim Horton's earned $2.5 billion in revenue and $623 million in
net income (2010

Bank Of Montreal : History And Information
Bank of Montreal History and information The Bank of Montreal which, is shortened as BMO, is in the financial service industry. BMO, Canada 's
first bank, was founded by Richardson and had opened for business on November 3, 1817. It provided Canada 's first widely–recognized and circulated
currency, and has played a major and continuing role in the development of the country. The company stands as one of the Big Five banks in Canada
and the fourth–largest in terms of capitalization. BMO has over 960 branches and over 2000 ATMs across Canada, and over 600 branches and 1,300
ATMs across the U.S. They have total assets of $681 billion as of April 30, 2016 and over 46,000 employees, serving more than 12 million customers
and conducts business through three operating groups: Personal and Commercial Banking, Wealth Management and BMO Capital Markets. BMO
simplifies financial matters for individuals, as well as small, medium–sized and mid–market businesses to better understand their needs, and guide them
to the best solutions. They offer a wide variety of Personal and Commercial banking products including loans, mortgages, investments, credit cards and
insurance. They also provide extensive financial advisory services to customers at the branches, through the ATM network, over the Internet or by
phone. The company's medium to long–term strategy, includes plans to continue expansion in the North American markets mainly in the area of
personal and commercial banking. They also

5 Themes Of Geography Research Paper
5 Themes of Geography Notes Montreal: Location– Montreal City is located in southwestern Quebec, and takes up about Вѕ of Montreal Island (Ile De
Montreal), which is the largest island of the Hochelaga Achipelago. History of Montreal dates back to 1583 when the city was inhabited by Natives,
and was called Hochelaga. The residents of Hochelaga disappeared due to reasons unclear, but it's theorized that they died due to disease and war with
other groups. Montreal (sometimes called Ville–Marie) was founded because of the islands natural resources and its location near the St Lawrence
River and Lachine Rapids which made it necessary for travellers to stop there and unload their boats. Place– Montreal is a modern city with buildings
of many ages, some dating back to the late 1600's. The city of Montreal was built upon the island of Montreal, and covers nearly the entire island
itself, meaning there are few physical characteristics on the island. Mont Royal has determined how Montreal was built, with the rises in terrain and
the slopes of Mont Royal. The city is surrounded by the St Lawrence River. Montreal has fairly standard seasons, with warm summers and cold winters
as it... Show more content on Helpwriting.net ...
It's dry and warm in Phoenix, with precipitation averaging 8 inches or less. Phoenix's natural environment is a desert, with lots of Cacti, rocks, plenty
of trees and mountains. Phoenix is a huge modern city with many buildings and roads. Phoenix has plenty of Hispanic citizens, and many of the
hotels, restaurants and banks speak Spanish. A big part of the culture of Phoenix is sports, with Baseball being one of the more popular one. Their
local pro team is the Arizona Diamondbacks. Major League Baseball teams come to Phoenix in order to train in the spring. Phoenix also has a hockey
team called the "Arizona

Capital One Diversification Strategy
For the threat of new entrants, the financial market in United States is fiercely competitive. The threat of new entrants is not serious for some
companies that have been famous for a long time. Capita One continued to seek technological innovation and adopt the diversification strategy, they
stick to running business including credit cards, auto loans, family loans, savings, personal credit, insurance and so on. According to the data on
MBAlib website, by the end of 2017, the credit card loan balance of Capital One was 97 billion 100 million dollars, which is the third place in the
U.S credit card market. The companies in the first and second is 141 billion 800 million of Morgan and 133 billion 300 million of Citigroup. The
revenue of credit card accounts for 62.8% of the total revenue.... Show more content on Helpwriting.net ...
and have great competitive advantages (118). So, it is very hard for new financial institutes to be threatening in the financial market. The success of
Capital One will not be threatened by the rise of new companies due to their diversification strategy. Even if an industry is threatened, the other
businesses of Capital One can still get profits. For U.S. bank, they do not need to worry about threat of new entrants. They have many loyal customers
who already found suitable products and they have good faith records in U.S. bank. Even if new companies try to give up a certain amount of profits
to give a more attractive interest to customers, we believe most customers will still choose a safer and more reliable bank and stay with U.S.

Ozone and Global Environmental Politics Essay
Ozone and Global Environmental Politics
A thin layer of gas called atmosphere surrounds the Earth. The atmosphere serves two important purposes: it is a filter for the suns dangerous
ultraviolet radiation rays and keeps the heat, necessary to maintain life on earth, within the stratosphere (Vorlat 361). Ultraviolet light is incredibly
dangerous to all the organisms within the Earth's ecosystem because it causes skin cancer, effects the immune system, and harms plant and animal life.
For that reason the atmosphere and the ozone layer within it are crucial to a stable life on this planet. The ozone layer is in danger, however. It is
facing depletion by a toxic man–made substance called chlorofluorocarbons (CFCs). Together ... Show more content on Helpwriting.net ...
CFCs are a very heavy, very stable chemical often found in things such as air–conditioners, refrigerators, fire– extinguishers etc. Upon release it can
take the chemical up to five years to reach the ozone layer. Once there the sun's rays split the chlorine atom causing it to bond with the ozone atom
and in turn destroying it (Kellner 20). A single pound of Freon, a CFC, can destroy as much as 70,000 pounds of ozone (Kellner 20). CFCs are
responsible for depleting five percent of the three billion metric tons of ozone in the air, that loss contributed to a twenty to twenty–five percent
decrease in the ozone over the uppermost northern region of Earth. Not to mention that every time the ozone decreases the increase in skin cancer is
two–fold (Kellner 20). All of the CFCs being inputted into the atmosphere are causing the depletion of the ozone layer and the result is a hole forming
over the Antarctic region.
The hole forms every September to November, during the Antarctic spring. In 1998 however, the hole showed up in mid–August and in September
reached a record size of ten and half million square miles. That is three and a half times the size of the United States. The hole is not really a hole but
rather a thinning of the ozone layer. The ozone layer has thinned so much though that patches are left unfilled, giving the appearance of a hole. In 1998
the layer was close to record thinness (Kloor 8). When the hole was

How Math Has Influenced My First Job
1. I worked with the Bank of Montreal at the head branch in Ottawa. I worked in the tellers cage, counting large amounts of money from the
government and banks. Dealing with large quantities of money I would then count and organize it into different bank accounts. 2. Math, influenced
her first job because she excelled at math. At her first job interview she was given a math test to answer and she got 100%. The head of the bank
then immediately gave her a job and was adamant she started that very day. 4. While I was sorting through a large sum of deposits, I was flipping
through a stack of $20 bills. I realized that over half of the bills were counterfeits, so I then went and reported this to my supervisor. My supervisor
then reported this to the police who launched a full scale investigation resulting in a court case. I was involved... Show more content on Helpwriting.net
...
She began working at the bank in 1965, with only a high school diploma. During that time most jobs such as banking, only required a high school
level of education. Besides a high school education, she did have to do some math tests but they were quite simple. 7. My main responsibilities
were to give the right amount of money and to record the balance manually as everything was done by hand back then. You would right down
personal information on a balance sheet. I remember one time, a customer came in and requested to withdrawal a certain amount of money.
However, this man did not have enough money in his bank account so I had to go to my manager and he offered the man a loan, which he would
eventually have to pay back. 10. Throughout my life I only had one job which I did eventually end up quitting. I quit because I had kids and felt I
needed to stay at home and watch them grow up instead of have them in daycare. By doing this I thought that I would be closer with my kids and have
better relationships with them. Turns out I was right, my relationship with my children is fantastic and I do not regret quitting at all.

Casino De Montreal
Land based casinos in Montreal
Canada takes pride in being home to many land–based casinos that are situated in different location stretching from coast to coast. Every one of these
casinos is unique in their own ways, offering different amenities, casino types, gaming options, ownership entities among other distinctions that make
them stand out to potential players.
Casino De Montreal
Opened in the year 1993, Casino De Montreal is the largest casino in the entire Canada. We have very beautiful designs that even to non–gamblers are a
must see. The atmosphere and decor inside the casino is awesome. The ground floors are made of glass and have water flowing beneath the ground,
making it a dizzying experience for anyone who visits. The entire ... Show more content on Helpwriting.net ...
One of them is Le MontrГ©al from which you can have a breathtaking view of the city and super refined cuisine that is inspired by the latest trends.
Since we opened, our kitchen's innovative chefs have been incredibly innovative in preparing seafood and grilled meats with market fresh products.
Another restaurant is Pavilion 67 where we offer fine gourmet food that is well prepared and always at its best. Additionally, it has unrivaled fresh,
abundant and flavorful warm and relaxed ambiance. Other restaurants include Ajia and L'Instant. Casino Bars
At Casino De Montreal, we have a variety of casino bars. Le poker, which is located near the place where the real action is taking place this bar is
situated right place where international poker tournaments and major sports events while savoring delicious meals with friends. We serve cocktails,
spirits and a wide variety of light meals. We also have Three new bars known as Roi de pique, Valet de carreau and the Dame de Coeur. If you need
to socialize, enjoy and relax the excitement of the casino, this is the perfect place to be. Our bars offer privileged access to multimedia wall and its
magnificent projections. Monetary

Chuck Mackinnon Case Summary
Coming into a new work environment where there are complex problems, a leader can feel somewhat like a janitor, cleaning up one mess only to
discover there is another on the next floor. What leader needs in situations like this is; the trust of the employees, the cooperation of the current senior
staff and an open line of communication with all of the employees. These are not things easily gained or achieved when coming into a chaotic
environment. Chuck Mackinnon had this issue in his two of his recent employments, which forced him to question the limits of his position and what
was the best course of action in each difficult situation.
The Cases In Saudi Arabia, Chuck Mackinnon took the position of Managing Director for the Merchant Bank in ... Show more content on
Helpwriting.net ...
With this job, MacKinnon experienced a myriad of issues, the biggest of which being how the previous and current management allowed unreasonable
behavior from staff members. One manager left the bank to go to lunch and did not come back. Some staff were discovered bribing government
officials, others were funneling tax refunds into their personal bank accounts. These actions were ignored if not actively covered up by the
management. MacKinnon handled the problem by firing several employees and hiring more law–abiding employees to take their place. By the end of
his time with this sector of the company, Mackinnon managed to have everything restructured and working more efficiently than when he arrived.
(Rowe, Guerrero, 2016). His next position however, did not go as smoothly as his first. With his first position, Mackinnon took an AuthenticLeadership
Approach. Authentic leaders have a purpose, a drive and an integrity to them. (Northouse, 2016). MacKinnon showed this by firing employees that did
not pull their own weight

Canadian Tire Case Study
Corporate Social Responsibility of Canadian Tire and the Bank of Montreal Corporate Social Responsibility (CSR) is "management's obligation
to make decisions that protect and better the wellbeing of all stakeholders" (Lang, 2017, slide 9). It is essential for a business to be socially
responsible as it will impact investing and create a more valuable profile. This essay is going to talk about the ways that Canadian Tire and the Bank
of Montreal are helping to create an effort to improve society. Canadian Tire Canadian Tire is a very large organization with ties to many other
businesses; some of those companies for example would be Sport Chek and Atmosphere. As a business, Canadian Tire is one of the most powerful
public companies;... Show more content on Helpwriting.net ...
1). With over 45,000 employees and over $709 billion in assets as of summer 2017, BMO is a top competitor in the banking industry (BMO
Financial Group, n.d., BMO Financial Group, para. 1). The Clear Blue Skies initiative first earned BMO a spot on Maclean's Top 50 Socially
Responsible Corporations list (Maclean's, 2010, BMO Bank of Montreal, para. 1). BMO is making drastic changes changes to their environmental
policies. Their end goal is to reduce their carbon footprint by cutting down on transportation related emissions (BMO Financial Group, n.d., Sustainable
Transport, para. 1). The initiative involves an increased use of teleconferencing in attempts to reduce the use of gas associated with air travel (BMO
Financial Group, n.d., Sustainable Transport, para. 2). The company is also encouraging more fuel efficient cars for employees, encouraging public
transit, and making carpooling easier among coworkers (BMO Financial Group, n.d., Sustainable Transport, para. 2). The perceived cost of equipment,
such as a more fuel efficient fleet of vehicles for employees could possibly get in the way of the initiative flourishing. The main stakeholders affected by
a switch to more sustainable transportation are managers, owners, shareholders, communities, and employees. It is important for managers to enforce a
more environmentally friendly outlook, or else the initiative could remain only a goal and would not contribute to the evolution into corporate culture.
Owners and shareholders value these cost cutting and environmentally friendly programs because they save money and boost BMO's reputation. The
Clear Blue Skies initiative reduces gas emissions within communities and attempts to lessen traffic congestion on roadways by diminishing of vehicle
usage. Employees may be against the push for

Deborah Westman And Her Work At The Bank Of Montreal
This case study involves Deborah Westman and her work at the Bank of Montreal (BMO) as a junior employee. Deborah has aspirations of
progressing within the bank to higher levels of leadership, but is concerned about possible barriers due to her gender that have prevented other women
from advancing. The bank is actively seeking to provide better opportunities for women to attain key leadership positions through the use of a task
force and new policies. Deborah is uncertain if she can take advantage of the increased awareness of women in the bank, and if the barriers to higher
leadership will actually be removed. Possible strategies will be recommended for Deborah in order to assist in her career.
Taking Advantage of Awareness Part of Deborah's fear is that she may be wrong in attempting to take advantage of the increased attention of barriers
that are preventing women from advancing to higher levels within the BMO. However, this seems like the perfect time to try and advance her career
at the bank, especially considering the numerous barriers that have been identified within the bank. There are five reasons given for why employees
of the BMO believe women are not promoted more regularly. The reasons are representative of the culture at the bank and include women's age, a lack
of education, the idea that women are not as committed and lack the necessary skills, and that over time women will naturally enter into higher
leadership positions (Rowe & Guerrero, 2016). In addition

Scotiabank Executive Summary
Selling Financial Services – Pre Call Report of Scotiabank Executive Summary
The Scotiabank is one of the world's most popular banks in North America and is located in Canada, Halifax. Founded in 1832, Scotiabank came to be
the second largest bank in Canada. A year after its development, Scotiabank paid out its first dividend to shareholders. Having marked the method in
history, it was carried out through the golden era to the modern era and is yet continued to this day. Scotiabank provides innovative financial products
and services to individual customers, small/medium sized business, corporations and governments across the world.
Scotiabank operates in North America, Europe, Middle East, Asia and South America and has... Show more content on Helpwriting.net ...
Further thought and analysis leads one to believe that the benefits of a merger would far outweigh the drawbacks such as less confusing regulations
and better complaint/conflict resolution processes. Such a move will also allow for more efficient operations with major companies that currently
have to deal with both the MFDA and the IIROC separately. For example, where currently a company will have two separate departments dealing
with both agencies separately, in an environment where there is one merged agency there will only be a need for one department. This is actually the
case as the MFDA manages 139 firms, but 33 are also supervised by IIROC because they trade both mutual funds and normal brokerage operations.
Simpler regulations will possibly see an increase in mutual fund investment if investors see the ease–of–use factor involved.
Company Knowledge
Scotiabank History
The Bank of Nova Scotia also known as Scotiabank was founded in Halifax of 1832. It is the second oldest bank in Canada which opened for
business to support trades between Britain, North America, and the West Indies. During that time, agents were assigned to New York, Boston and
London which have provided an indication in the early hours of the Bank's global ambition. A year later as Scotiabank opened; it paid its first
dividend to shareholders. This marked the first in history of

The Movement Of Canada And The Quebec Separatist Movement
Countries fight themselves am I right? American fought themselves twice in the mid 1800s and 1900s. During the mid 1900s, Canada did their
movement also it was called the Quebec Separatist Movement. The movement was about Quebec's independence. The movement contained the Prime
Minister and this group called Front de Liberation du Quebec. They had kidnapped most influential people in Canada. In the Quebec Separatist
Movement, Quebec's citizens ambition to become independent, the whole country became violent.
The historical context of the Quebec Separatist movement includes The Quiet Revolution. The Quiet Revolution was a long built up of many groups
that mostly contained with Francophones, French–speaking citizens, who wants independence from Canada. First, Canada made a bill stating that it
will create a better future for Canada. "The Official Language Bill is a reflection of the nature of this country as a whole and of a conscious choice
we are making about our future." Canada wants to be a whole and having one language will make them feel like a whole. After this bill, Canada's
government did believed that there should be two official language, yet the citizens of Canada was still deciding if they wanted that to become a law.
"We believe in two official languages and in a pluralist society not merely as a political necessity but as an enrichment." This started to upset
Francophones because the government was still deciding if they wanted French to be the second

John Molson: The Man Who Brewed Canada's Beer
John Molson is known as the man who brewed Canada's beer. Although this is the main claim to Molson's fame, he gave much more to early Canada's
economy than most people are aware. John Molson was a great business man and an incredible entrepreneur. He helped young Canada to grow to what
it is today
John Molson was born in Lincolnshire England, on the 28th of December in the year 1763. By the age of 8 both of Molson's parents were dead,
leaving him and orphan. With no family on his fathers side Molson moved in with his grandfather on his mothers side Samuel Elsdale. In July of
1782 a the age of 18 Molson moved to the frontier of Montreal. After arriving in Montreal, Molson immediately got into the meat business with James
Pells Sr. and James ... Show more content on Helpwriting.net ...
While in England Molson bought brewery equipment. Molson induced he growth of barely in and around Quebec, by selling the farmers the seeds
and agreeing to purchase the barley after it had ben harvested. Molson dedicated 20 yeas of his life to his business. Molson was smart, he stayed
away from the import export business, it took much to long to get a return on your investment for Molsons liking, if you received a return at all
because of the high risk business. In addition to seeing the danger in the import export business, Molson could tell that the money in the fur fade was
coming to an end. Therefore staying away from it. As Molson predicted the fur trade ended, and in the early 19th century it switched to the lumber
business. With time comes new technology, and this was a field that Molson was highly interested in and would later invest large amounts of money
into. After receiving 10,000ВЈ and his old family home, Snake Hall, Molson sold the home as it was back in England. All the money Molson had
received went back into enlarging his facilities and reinvesting in his brewing establishment. With an influx of loyalist immigration from both England
and the soon to be United States of America, the demand for beer increased, even the French, who had never taken a liking to Molsons product were
showing an increased interest in it. Molsons money was always on the for front of technology. With steam being the new energy source of the time,
Molson was very interested. Molson invested money in the testing of new

How Nafta Has Affected the Financial Service Industries in...
The North American Free Trade Agreement (NAFTA) was enacted in November of 1993 with aims to facilitate the free flow of goods, services and
labor between the United States, Canada and Mexico. The ratification of NAFTA created the world 's largest free market with roughly 390 million
consumers and an estimated total output of $8.6 trillion. Clearly, this trade alliance has had a major influence on the financial service industries of the
participating nations and will continue to do so in the future. However, the financial service provisions of NAFTA will have sufficiently greater
implications for Mexico than either the United States or Canada. This is in part because Mexico is embarking upon a greater shift towards openness in
its... Show more content on Helpwriting.net ...
and Mexico. The Bank of Montreal is also buying U.S. assets. This financial services company recently acquired CFBdirect and Morgan Stanley 's
online–only accounts and placed them under its HarrisDirect brand.
Canada 's major financial institutions are also getting involved in the Mexican market. The Bank of Montreal owns 16 percent of Mexico 's largest
bank, Grupo Financiero Bancomer, and Scotia bank owns 8 percent of Grupo Inverlat as well as maintains effective managing control. Canadian banks
also have a slight advantage over U.S. banks because of their long history of interstate branching and their experience with universal banking. These
have just been recently allowed in the U.S. by the passing of the Gramm–Leach–Bliley Act. The reduction of Mexican barriers will provide new
markets and opportunities for the Canadian financial sector that they previously did not have access to. Canadian firms will be able to participate in
sectors that were previously restricted. This essentially means access to Mexican banks, stock markets and investments that have limitless potential.
The financial sector in Mexico compared to the United States and Canada was, and is, very small and not very diversified. This makes this market
extremely attractive to the foreign banks given its huge growth potential. An additional important financial service for the United States and Canada is
the investment fund market, which is

The Financial Statement Representation of a Transaction
I – A. " Representational faithfulness is accomplished when transactions and events affecting the entity are presented in financial statements in a
manner that is in agreement with the actual underlying transactions and events" (CICA, Financial statement Concepts 1000.21 (a), 2003). It means that
all of information in the financial statement such as numbers and descriptions must be factual. The independent auditors checked the computer ID tags
on each piece of equipment to confirm the actual numbers, and for that reason Byrn Company observes the representational faithfulness that is one of
subsets of reliability. I – B. "The consistency principle states that businesses should use the same accounting methods and procedures from period...
A Bank of Montreal has been paid $10,500 for armoured car service. This transaction makes cash amount goes down. II – E. Sue 's Pizza Parlour sells
250 12" pizzas in a week for $8.95 each. "Revenues: are increases in economic resources, either by way of inflows or enhancements of assets or
reductions of liabilities, resulting from the ordinary activities of an entity. Revenues of entities normally arise from the sales of goods, the rendering of
services or the use by others of entity resources yielding rent, interest, royalties or dividends. In addition, many not–for–profit organizations receive a
significant proportion of their revenues from donations and government, grants and other contributions" (CICA, Financial statement Concepts 1000.37
(a), 2003). According to definition of revenues, cash balance of Sue 's Pizza parlour increase by amount from selling Pizza. II – F. WestJet buys 12
used airplanes from Air Canada for $1,000 each. Six of the airplanes can fly and carry passengers. The other six airplanes will be used for parts to
repair the first six airplanes as necessary. "Assts: are economic resources controlled by an entity as a result of past transactions or events and from
which future economic benefits may be obtained" (CICA, Financial statement Concepts 1000.29 (a), 2003). The cash balance of WestJet decreases by
$12,000, but, at the same time equipment balance increase by same amount of

Bmo Organizational Structure Analysis
Introduction
As Canada's oldest bank that officially opened for business on November 3, 1817, BMO has been helping its customers and communities for over
190 years, offering them a broad range of personal, commercial, corporate and institutional financial services across Canada and in the United States.
It has approximately 16,200 employees and over 960 branches across Canada. As one of the Big Five banks in Canada, it has been passionate to build
team strategies and to try new challenges.
In this report we will explore the team and organizational structure of BMO and discuss the efficiency of its strategies. We will primarily be focusing
on how groups are constructed within BMO and group members interact. Then on a more macro scale, we ... Show more content on Helpwriting.net ...
This means as a team, operating groups are working efficiently and that reduces its undesirable loss.
Also, proper and professional norms help to achieve industry–leading customer loyalty and enhance productivity to drive performance and shareholder
value, which are the two primary goals of BMO. As the company cares about how the employees behave, especially how they interact with customer
since jobs in bank is customers–based, the company will pay more attention to train and improve employees' behaviors, and that is to say, the company
will focus on the norms. At the same time, the company encourages employees to be innovative to present better wok so as to generate more values
for the shareholders of BMO. In this way, the two primary goals can be achieved by setting right norms.
Group Cohesiveness: Group Cohesiveness, the extent of how a group is especially attractive to its members, plays a crucial role in an organization as
well. As for P&C Canada, a new objective in 2013 is to improve productivity and the customer experience. In this regard, a number of initiatives are
underway such as eStatements, mobile banking enhancements and online booking of appointments. To attain the goal, P&C Canada team members
need to fully understand and accepts the new initiatives. So with high level of cohesiveness, as team members become integrated into the team's
objective and values, which will help P&C Canada to be

Royal Bank Porter's Five Forces Model
The Royal Bank of Canada (RBC) is the largest bank in Canada based on market capitalization. The bank was founded in Halifax, Nova Scotia in 1864
with the name, Merchants' Bank of Halifax. Throughout the years, it has expanded globally through their offices in Canada, the U.S. and 49 other
countries around the world. Royal Bank entered the 1990's financially stable regardless of the severe economic challenges of the 1980's. This allowed
them to make strategic acquisitions of companies which paved the way for their transformation from retail bank to global financial services.
RBC operates in 5 segments; the first being Personal & Commercial Banking, which consists of its personal banking operations and certain retail
investment businesses. The ... Show more content on Helpwriting.net ...
The internet also made it easier and reduced the cost for people to compare the prices of opening/holding accounts, as well as the rates offered at
various banks so the power of the buyer increases. The pressure coming from threat of substitutes is weak to medium because insurances, mutual
funds, and fixed income securities are a few of the many banking services that are also offered by non–banking companies such as Sony, General
Motors, and Microsoft, which offer preferred financing on big ticket items (ex. Houses, cars, furniture). The pressure coming from the bargaining
power of suppliers is strong because banks have four main suppliers; customer deposits, mortgages and loans, mortgage–baked securities, and loan from
other financial institutes; and the power of the suppliers is heavily based on the market so their power frequently fluctuates between medium to high.
The pressure coming from the threat of new entrants is weak because although there are a few new banks opening every year, they eventually close
down because people have more trust in big name and well–known, major

Charles R. Drew Research Paper
Charles Richard Drew was an African–American physician born on June 3, 1904, in Washington, D.C. Drew completed his bachelor's degree at
Amherst in 1926, but did not have enough money to attend medical school at the time. Later, in 1928, he applied to medical schools and enrolled at
McGill University in Montreal, Canada. Drew graduated in 1933 and was second in his class ("Charles Drew"). He earned both Doctor of Medicine
and Master of Surgery degrees. Drew completed his internship and residency at the Royal Victoria Hospital and the Montreal General Hospital. During
this time, Drew studied with Dr. John Beattie, and together they examined problems and issues regarding blood transfusions ("Charles Drew"). In
1938, Drew received a fellowship to study at Columbia University and train at the Presbyterian... Show more content on Helpwriting.net ...
blood to England. He organized the collection and processing of blood plasma from several New York hospitals, and the shipments of these
life–saving materials overseas to treat casualties in the war. Drew helped collect roughly 14,500 pints of plasma for the American Red Cross ("The
Charles R. Drew Papers"). In February 1941, Drew was appointed director of the first American Red Cross Blood Bank, in charge of blood for use
by the U.S. Army and Navy. He worked on developing a blood bank to be used for U.S. military personnel. Soon after, Drew became frustrated with
the military's request for segregating the blood donated by African Americans. During this time, Drew agitated the authorities to stop excluding the
blood of African–Americans from plasma–supply networks, and in 1942, he resigned his official posts after the armed forces ruled that the blood of
African–Americans would be accepted but would have to be stored separately from that of whites (Sluby

The Banking Sector Is The Pillar Supporting The Modern...
In today's financial world, the banking sector is the pillar supporting the modern world's commerce, trade, and industry. With a multitude of services
provided on the personal, business, and institutional level, careers in a sector this broad are just as variable. In this essay I will discuss the history,
workplace, job description, future developments, and my personal experience regarding the banking career. More specifically, it will focus on two
occupations –– financial planners and accountants. A bank is broadly defined as a financial institution that provides a range of services to its customers.
Banks play an integral role in the financial future of virtually every Canadian, including individuals, businesses, investors, governments, ... Show more
content on Helpwriting.net ...
The doors first opened in November 3, 1817, offering full–service banking. Apart from??? being the oldest bank of our country, it also issued our first
?acknowledged?? currency for businesses and individuals. Many other banks ?progressively?? opened their banks in Canada. These banks include the
Royal Bank of Canada (RBC), Toronto–Dominion Bank (TD), the Bank of Nova Scotia (BNS), and the Canadian Imperial Bank of Commerce
(CIBC). These five banks are now known as the "Big Five" Canadian banks, which account for 85% of today's banking industry ("The Big Five Banks
in Canada"). In the later years, the banks remained relatively unregulated and decentralized. However, in 1934, a significant milestone was reached; the
Bank of Canada Act was passed and the nation's central bank was formed. It was named the Bank of Canada. The central bank was an attempt to
alleviate the economic instability that was caused by the great depression and still exists to "to regulate credit and currency in the best interests of the
economic life of the nation", as the Bank of Canada suggests ("About the Bank"). The strength of the Canadians banks are truly remarkable. In the
2007–2008 Global Credit Crisis, which is considered to be one of the worst financial crisis since the Great Depression, has struck the United States and
Europe. However, it did

Diversity And Inclusion For Diversity
In the most simplest terms diversity and inclusion can be explained by diversity being the mix and inclusion is getting the mix to work well
together. In broader terms, diversity is anything that can be used to differentiate groups and people from one another. This can be anything from life
experiences, learning styles, personality types to race, gender, sexual orientation or even county of origin. These differences can be used to achieve
quality teaching, learning and support services. Inclusion is used to describe a state of being valued, respected and also supported. The term is also
used to describe the active, intentional and ongoing engagement with diversity. This also focuses on the need of every particular person and making
sure that the right conditions are set for them to reach their full potential. Diversity is the balance in each individual in a certain group, whereas
inclusion is the strategies that allow each person's strengths to be welcomed and embraced. It is important to spread the rule of diversity and inclusion
in the workplace in order to ensure that your employees feel comfortable and valued in your company. When a diversity and inclusion agreement is in
place you have to make sure that staff, faculty and anyone going in or out of the office are actually practicing it. This means celebrating different
cultures, religions and ethnicities as well as equipping the employees with programs to strengthen their skills and knowledge about each other's

Media 's Influence On Consumer Behavior
In the modern society, businesses tend to adopt persuasive marketing communication in consideration of various components, including behavioural
economics, sociology and psychology. Most conspicuously, all of these essential elements to successful marketing influence one broad concept:
consumer behaviours. Businesses that design their advertising strategies based on consumer behaviours often observe, examine and analyze the
psychology of spending in an attempt to stimulate consumers' interests and facilitate sales growth. In this paper, I will discuss two typical examples of
advertisements which represent the power of cultural influences, more specifically, how cultures potentially affect and manipulate consumers'
understanding, beliefs, and spending. 1. Video Commercial: BMO Fanfini.
This commercial was published on YouTube by the Bank ofMontreal in August 2016. The target audience of this commercial is represented by a
culture which includes three aspects: ecology, social structure and ideology. The ecology in this commercial is a developed society with sufficient
recourses and internet access. The social structure includes families and individuals living in Montreal, Canada with at least moderate income. The
ideology this commercial attempts to grasp includes people who are interested in soccer. According to the three aspects above we can conclude that
the target audience for this commercial is people in Montreal who are familiar with soccer games. It is a common

TD Bank Case Study: How a Canadian Bank Became America's Most Convenient

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TD Bank Case Study: How a Canadian Bank Became America's Most Convenient