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Deposit Insurance In The United States
Deposit may refer to: *Deposit (finance) (also security deposit) * Deposit (town), New York * Deposit (village), New York *Deposit account, a bank account that allows money to be deposited and withdrawn by the account holder **Demand deposit, the funds held in demand deposit accounts in commercial banks * Damage deposit, a sum of money paid in relation to a rented item or property to ensure it is returned in good condition * Container deposit, a deposit on a beverage container paid when purchased and refunded when returned *Deposition (geology), material added to a landform *Election deposit, a sum that a candidate must pay in return for the right to stand in an election *Precipitation (chemistry) *For ore deposits, see the " ore deposits" section on Ore. See also *Deposit formation Fouling is the accumulation of unwanted material on solid surfaces. The fouling materials can consist of either living organisms (biofouling) or a non-living substance (inorganic or organic). F ...
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Deposit (finance)
A deposit is the act of placing cash (or cash equivalent) with some entity, most commonly with a financial institution, such as a bank. The deposit is a credit for the party (individual or organization) who placed it, and it may be taken back (withdrawn) in accordance with the terms agreed at time of deposit, transferred to some other party, or used for a purchase at a later date. Deposits are usually the main source of funding for banks. Types Demand deposit A demand deposit is a deposit that can be withdrawn or otherwise debited on short notice. Transaction accounts (known as "checking" or "current" accounts depending on the country) can be used to pay other parties, while savings accounts are typically payable only to the depositor or another bank account, and may have limits on the frequency of withdrawal. Time deposit Deposits which are kept for any specific time period are called time deposit or often as term deposit. * Term deposit (or ''time deposit''), bear a fixe ...
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Security Deposit
A security deposit is a sum of money held in trust either as an initial part-payment in a purchasing process (often used to prevent the seller's selling an item to someone else during an agreed period of time while the buyer verifies the suitability of the item, or arranges finance), also known as an earnest payment, or else, in the course of a rental agreement to ensure the property owner against default by the tenant and for the cost of repair in relation to any damage explicitly specified in the lease and that did in fact occur. In certain taxation regimes a deposit need not be declared as a part of the gross income of the receiving party (person or corporation) until either the depositing party or an arbitrator agrees the funds may be used for the intended purpose. The United States Supreme Court ruled in '' Commissioner v. Indianapolis Power & Light Co.'' (1990) that a deposit differs from an advance payment because the depositing party has dominion over the funds and re ...
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Deposit (town), New York
Deposit is a town in Delaware County, New York, United States. As of the 2010 census, the town's population was 1,712. The town of Deposit is on the western border of the county. It contains a village also named Deposit, the western portion of which is located in the adjacent town of Sanford in Broome County. History The town name was derived from the deposits of logs made by lumbermen, prior to forming rafts to float down the Delaware River; usually to Philadelphia. The Town of Deposit was organized in 1880 from the western part of the town of Tompkins. In the 1890s, Deposit was a center of publishing with the relocation of the Outing Publishing Company to the town (from New York). Several magazines, including ''The Bohemian'', were published and printed from Deposit. The Outing Publishing Company went out of business a few years after the failure of the Knapp Bros. Bank in 1909. Charles J. Knapp was president of Outing and on the board of Knapp Brothers, which was run b ...
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Deposit (village), New York
Deposit is a village in Broome and Delaware counties in the U.S. state of New York. The population was 1,663 at the 2010 census. The village, on the county line, is half within the town of Sanford (Broome County) and half within the town of Deposit (Delaware County). The Broome County portion of Deposit is part of the Binghamton Metropolitan Statistical Area. History The position of the village is at the boundary of White and Indian territory, as imposed by the 1763 Fort Stanwix Treaty. The village was incorporated in 1811 in Delaware County. Deposit is one of only twelve villages in New York still incorporated under a charter, the other villages having incorporated or re-incorporated under the provisions of Village Law. While the dairy industry is now important, the name of the town is said to derive from its status as a lumber center, when it was the place at which logs were "deposited" into the river for transport south by raft. Geography The village is located by the ...
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Deposit Account
A deposit account is a bank account maintained by a financial institution in which a customer can deposit and withdraw money. Deposit accounts can be savings accounts, current accounts or any of several other types of accounts explained below. Transactions on deposit accounts are recorded in a bank's books, and the resulting balance is recorded as a liability of the bank and represents an amount owed by the bank to the customer. In other words, the banker-customer (depositor) relationship is one of debtor-creditor. Some banks charge fees for transactions on a customer's account. Additionally, some banks pay customers interest on their account balances. Types of accounts * How banking works In banking, the verbs "deposit" and "withdraw" mean a customer paying money into, and taking money out of, an account, respectively. From a legal and financial accounting standpoint, the noun "deposit" is used by the banking industry in financial statements to describe the liability o ...
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Demand Deposit
Demand deposits or checkbook money are funds held in demand accounts in commercial banks. These account balances are usually considered money and form the greater part of the narrowly defined money supply of a country. Simply put, these are deposits in the bank that can be withdrawn on demand, without any prior notice. History In the United States, demand deposits arose following the 1865 tax of 10% on the issuance of state bank notes; see history of banking in the USA. In the U.S., demand deposits only refer to funds held in checking accounts (or cheque offering accounts) other than NOW accounts; however, in a 1970s and 1980s response to the 1933 promulgation of Regulation Q in the U.S., demand deposits in some cases came to allow easier access to funds from other types of accounts (e.g. savings accounts and money market accounts). For the historical basis of the distinction between demand deposits and NOW accounts in the U.S., see Negotiable order of withdrawal accou ...
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Damage Deposit
A damage deposit or deposit is a sum of money paid in relation to a rented item to ensure it is returned in good condition. They are particularly common in relation to rented accommodation, where they may also be referred to as a tenancy deposit, bond deposit, or bond. The owner of the item (the landlord in the case of accommodation) will take a sum of money from the person(s) renting the item (the tenant). If the item is returned in good condition at the conclusion of the tenancy the owner should return the deposit. If the item is returned with damage beyond normal wear and tear, the cost of repairing that damage may be charged against the deposit, and part (or none) of the deposit will be returned. In some jurisdictions such as the Australian states of Victoria and Queensland and in New Zealand, bond funds are held in trust by a government body and released upon agreement from both parties; failing accord of the two parties, an independent tribunal determines the distribution ...
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Container Deposit
Container-deposit legislation (also known as a container-deposit scheme, deposit-refund system or scheme, deposit-return system, or bottle bill) is any law that requires the collection of a monetary deposit on beverage containers (refillable or non-refillable) at the point of sale and/or the payment of refund value to the consumers. When the container is returned to an authorized redemption center, or retailer in some jurisdictions, the deposit is partly or fully refunded to the redeemer (presumed to be the original purchaser). It is a deposit-refund system. Governments may pass container deposit legislation for several reasons, including, for example: *To encourage recycling and complement existing curbside recycling programs, to reduce energy and material usage for containers *To specifically reduce beverage container litter along highways, in lakes and rivers, and on other public or private properties (where beverage container litter occurs, a nominal deposit provides an eco ...
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Deposition (geology)
Deposition is the geological process in which sediments, soil and rocks are added to a landform or landmass. Wind, ice, water, and gravity transport previously weathered surface material, which, at the loss of enough kinetic energy in the fluid, is deposited, building up layers of sediment. Deposition occurs when the forces responsible for sediment transportation are no longer sufficient to overcome the forces of gravity and friction, creating a resistance to motion; this is known as the null-point hypothesis. Deposition can also refer to the buildup of sediment from organically derived matter or chemical processes. For example, chalk is made up partly of the microscopic calcium carbonate skeletons of marine plankton, the deposition of which has induced chemical processes ( diagenesis) to deposit further calcium carbonate. Similarly, the formation of coal begins with the deposition of organic material, mainly from plants, in anaerobic conditions. Null-point hypothesis Th ...
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Election Deposit
In an electoral system, a deposit is the sum of money that a candidate for an elected office, such as a seat in a legislature, is required to pay to an electoral authority before they are permitted to stand for election. In the typical case, the deposit collected is repaid to the candidate after the poll if the candidate obtains a specified proportion of the votes cast. The purpose of the deposit is to reduce the prevalence of 'fringe' candidates or parties with no realistic chance of winning a seat. If the candidate does not achieve the refund threshold, the deposit is forfeited. Australia In Australian federal elections, a candidate for either the Australian House of Representatives or the Australian Senate is required to pay a deposit of $2,000. The deposit is refunded if the candidate or group gains at least 4% of first preference votes in the relevant electoral division. The States and territories of Australia will have their own individual deposit requirements and repayment ...
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Precipitation (chemistry)
In an aqueous solution, precipitation is the process of transforming a dissolved substance into an insoluble solid from a super-saturated solution. The solid formed is called the precipitate. In case of an inorganic chemical reaction leading to precipitation, the chemical reagent causing the solid to form is called the ''precipitant''. The clear liquid remaining above the precipitated or the centrifuged solid phase is also called the 'supernate' or 'supernatant'. The notion of precipitation can also be extended to other domains of chemistry (organic chemistry and biochemistry) and even be applied to the solid phases (''e.g.'', metallurgy and alloys) when solid impurities segregate from a solid phase. Supersaturation The precipitation of a compound may occur when its concentration exceeds its solubility. This can be due to temperature changes, solvent evaporation, or by mixing solvents. Precipitation occurs more rapidly from a strongly supersaturated solution. The formati ...
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Ore Deposit
Ore is natural rock or sediment that contains one or more valuable minerals, typically containing metals, that can be mined, treated and sold at a profit.Encyclopædia Britannica. "Ore". Encyclopædia Britannica Online. Retrieved 7 April 2021Neuendorf, K.K.E., Mehl, J.P., Jr., and Jackson, J.A., eds., 2011, Glossary of Geology: American Geological Institute, 799 p. Ore is extracted from the earth through mining and treated or refined, often via smelting, to extract the valuable metals or minerals. The ''grade'' of ore refers to the concentration of the desired material it contains. The value of the metals or minerals a rock contains must be weighed against the cost of extraction to determine whether it is of sufficiently high grade to be worth mining, and is therefore considered an ore. Minerals of interest are generally oxides, sulfides, silicates, or native metals such as copper or gold. Ores must be processed to extract the elements of interest from the waste rock. Or ...
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