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DEMAND DEPOSIT: A bank deposit that can be withdraw "on demand." This is a once common, but increasingly dated term meaning checking account deposits, checkable deposits, or transactions deposits. To the extent that demand deposits is the term used to mean checkable deposits, they are an important part of the M1 money supply. The term "demand" was used to distinguish checkable deposits from savings deposits in which accessed could be delayed for a period of "time," and not on "demand." Hence the complementary term for savings deposits is time deposits.

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BANK ASSETS

What a bank owns, including loans, reserves, investment securities, and physical assets. Bank assets are typically listed on the left-hand side of a bank's balance sheet. Bank liabilities, what a bank owes, are listed on the right-hand side of a bank's balance sheet. Net worth is the difference between assets and liabilities. The largest asset category of most bank is loans, which generates interest revenue. A critical asset category used to maintain the safety of deposits is reserves (vault cash and Federal Reserve deposits).

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Helping spur the U.S. industrial revolution, Thomas Edison patented nearly 1300 inventions, 300 of which came out of his Menlo Park "invention factory" during a four-year period.
"If I'm selecting a group, the first thing I look for is a record of achievement . . . If (candidates achieve) in small things, there's a very good chance they'll perform well in big things. "

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