When faced with unexpected expenses, Ms. Chapman advises clients to dip first into the assets with the lowest rates of return, such as certificates of deposit or savings accounts.
For example, a "single account" is one account category that includes deposits in checking, savings accounts, money market deposit accounts and time deposits such as certificates of deposit (CDs).
One example which has been given is when families who have suffered a bereavement have to deal with several different agencies to sort out things such as funerals, death certificates and coroner requests.
Following a prominent fund's "breaking of the buck"--that is, a decline in its net asset value below par--in September, investors began to withdraw funds in large amounts from money market mutual funds that invest in private instruments such as commercial paper and certificates of deposit.
Certainly, many investors are choosing to move their assets away from stocks and into cash products such as money market accounts and certificates of deposit.
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Some, such as Flooz, are gift certificates, usable at online retailers.
There are reasons why failure to deliver can be legitimate, such as glitches in transferring physical certificates, and the DTCC says most of the time the trades are resolved within ten days.
Many years ago, over lunch with a friend, I theorized that there was a business to be created out of maintaining limited duration virtual property (that is, stuff that needs renewing) such as domain names and SSL certificates held by organizations.
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Asdan, which offers a series of certificates in subjects such as "working with others" and "personal effectiveness", said it was "extremely optimistic" that it could work with the government to ensure its qualifications were fit for purpose.
Electronic gift certificates from online vendors such as Steam, GamersGate and GOG.com also make unique stocking stuffers, letting fans sample cutting-edge indie releases, revisit treasured classics or browse obscure European imports.
Regulations issued three years ago but implemented by parent universities with little enthusiasm require the full name of quasi-private colleges such as Shengda to be spelled out on graduation certificates.
Professor Brian Duerden, chief microbiologist at the Department of Health, said in July 2005 they called for more accurate reporting of infections such as MRSA and C. difficile on death certificates.
It appears that the attackers targeted the SSL certificates of several specific net communication services such as Gmail and Skype as well as other popular sites such as Microsoft Live, Yahoo and the Firefox browser.
Deposit holders who do not want the bonds will be given bank certificates that they can use to buy big ticket items such as properties and cars.
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