Business Information Systems
If interest rates rise while investors are holding a Jumbo CD, they miss out on the higher rates they could have had if these funds had been available to invest elsewhere. Reinvestment rate risk Conversely, if interest rates fall during the holding period, at maturity the investor may not be able to reinvest the funds at a rate comparable to the CD. This hazard is known as reinvestment risk. Although jumbo CDs pay a higher rate at the onset as compared to other products, investors must weigh the pros and cons to ensure they don't wind up with a lower return in the long term. Pros Jumbo CDs offer a steady rate of interest for the length of the holding term. Jumbo CDs typically pay a higher interest rate than do traditional CDs or savings accounts. The steady interest paid on jumbo CDs can partly offset the portfolio's market risk of negative returns from holding stocks. Jumbo CDs carry a guarantee of up to $250, 000 per account by the FDIC or the NCUA. Cons Jumbo CDs pay a lower return than many other fixed-rate investments, such as bonds.
Business information systems inc
Read this article to learn about Business Information System. After reading this article you will learn about: 1. Meaning of Business Information System 2. Features of Business Information System 3. Key Components. Meaning of Business Information System: Business information systems are sets of inter-related procedures using IT infrastructure in a business enterprise to generate and disseminate desired information. Such systems are designed to support decision making by the people associated with the enterprise in the process of attainment of its objectives. The business information system gets data and other resources of IT infrastructure as input from the environment and process them to satisfy the information needs of different entities associated with the business enterprise. There are systems of control over the use of IT resources and the feedback system offers useful clues for increasing the benefits of information systems to business. The business information systems are sub-systems of business system and by themselves serve the function of feedback and control in business system.
4. The business information systems have to be designed keeping in view the availability of financial and human resources to the business enterprise. 5. The cost effectiveness is a matter of prime concern in the development and maintenance of business information systems. Economic justification for investment in IT infrastructure for business information systems is a pre condition for its existence and sustenance. Key Components of Business Information System: Information systems can be described by four of their key components which are: 1. Decisions 2. Transactions and processing 3. Information and its flow 4. Individuals or functions involved. It is difficult to observe the decision process through we can see and review the results of a decision. Transactions are usually more visible, though many current systems use computer programs, which are not easy to understand, to process transactions. In principle, an observer can see information and its flows. Individuals can be observed too, but it is not always easy to figure out the information processing functions they perform.
What degree is better business information systems or accounting?
Features of Business Information System: Characteristics & features of business information system are: 1. The business information systems are subject to the dynamics of business environment and need to be flexible enough to absorb the inevitable changes in the information needs of business. They have to be efficient to satisfy the demanding and 'hard task masters, ' the business managers. Thus, there is need to balance the conflicting objectives in the process of designing business information systems. 2. Business information systems need to be proactive. They should anticipate changes in information needs of users and accordingly adapt themselves to suit their needs. This has become important because of the fact that the managers get involved in the routine activities to the extent that the decision making becomes a matter of imitating what competitors are doing or planning to do, rather than making an informed choice. 3. The purpose of business information system is to cater to the information needs for decision making in business.
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Information Systems Information Systems (IS) is focused on helping organizations leverage technology to create or sustain a competitive advantage. To achieve this, a solid understanding of both fundamental technologies and management is crucial. While Information Technology (IT) constitutes the tools, Information Systems is centered on understanding the tools and how they interact and integrate with people and processes throughout an organization. Due to the rapid pace of change in the world of technology, managers must be able to quickly understand the implications of new technology for their organization. Consequently, our students often pursue careers in consulting, where a comprehensive view of management is needed. The UCR School of Business Information Systems curriculum is also well-suited for students who focus on other areas of management, such as marketing, accounting, operations, finance and general management.