url
stringlengths 15
784
| text
stringlengths 6
437k
| KeyPhrases
sequence |
|---|---|---|
http://filipinojournal.com/din-versus-rin/ | Din versus Rin aLfie vera meLLa ISSUE Vol 28 No 16 POSTED IN Columnists Sa Bawat Pahina ng Literatura On Filipino Grammar Any language is easy to use by its native speaker only if it is being used for conversational purposes However when it is used formally proper grammar is required and this surely poses a big challenge even to native speakers of that language Having said that here are a few details that a Filipino speaker must follow if she wants to be grammatically correct especially when formal writing is involved DawRaw DinRin DitoRito In conversational or informal use the Filipino words daw din dito may be used interchangeably with raw rin and rito respectively However when formal Filipino language use is concerned there are grammatical rules to follow On Daw Din and Dito Use any of these d words when the final sound of the word preceding it is consonantal Examples 1Nahulog daw siya sa hagdan kahapon 2Masarap din magluto si Mommy 3Matindi ang tagulan dito On Raw Rin and Rito Use any of these r words when the final sound of the word preceding it is vowel a e i o u a semivowel w y or d to avoid the duplication of the d sound Examples 1Ibili mo raw siya ng bagong cellphone 2Sa bahay rin pala ang handaan 3Hindi puwedeng maglakad rito The Last Leaf The Filipino word dawraw is a reporting particle that expresses that the information in the sentence is secondhand as in they say he said reportedly supposedly Manonood raw sila ng sine sa Sabado She said that they would watch a movie on Saturday The Filipino particle dinrin functions as the counterpart of the English too also or after all Ako rin I too Ito ay mabigat din This is also heavy Ang matagal na ligawan ay sa kasalan din nauwi The long courtship ended up in marriage after all The Filipino word ditorito is the exact counterpart of the English pronoun here Pumunta ka rito bukas Come here tomorrow About the author aLfie vera meLLa View all posts by aLfie vera meLLa Tweets by FilipinoJournal | [
"Filipino"
] |
http://fillygirl.com/alaska-the-last-frontier-is-atz-just-ottos-ranch-hand/ | Alaska : The Last Frontier - is Atz just Otto โ s ranch hand ? P November 30 , 2014 , by Saddle K General c 11 comments Discovery Channel โ s widely successful reality show โ Alaska : The Last Frontier โ ( 2.7 million viewers per episode ) features three generations of the Kilcher family who live off the land that Yule Kilcher homesteaded over 80 years ago . The Kilcher family resides and lives off of their 640 acre homestead , just outside of Homer , Alaska . There are many episodes that feature the family either hunting , fishing , cattle driving ( using horses ) cattle rearing , or range riding , making the show appealing to a wide variety of t.v. viewers . So why is FillyGirl writing about Alaska : The Last Frontier ? Because we have burning questions that have gone unanswered . For example , why does Atz spend his whole summer in a tiny cabin , away from his family , range riding on his horses , for his brother Otto โ s cattle ? Why does n โ t he have his own cattle ? How did he become the cowboy in the family ? The answers should be simple , but when you look at the facts , they just are n โ t . The cattle ranch hierarchy / structure that we are familiar with , just Between the success of the show , his famous daughter ( singer Jewel ) , and all his other activities like songwriting , recording artist , entertainer at private parties , and more ( you can read everything he does at www . Atzkilcher . com ) Atz may not need money now . But maybe he once did , and it still does n โ t explain why he would make the sacrifice to live alone at the Head of the Bay all summer long . Unless , of course , it โ s not a sacrifice and he โ s happy to escape the close - knit family for a while . His bio says he writes songs and weaves his baskets while there , but why do all of this for Otto ? He could live in solitude a couple of months out of the year at the Head of the Bay , and not have to endure the rigorous life of a range rider ( he โ s no spring chicken as he โ s the eldest of 8 The more we learn about the show , like the fact that Eivin ( Otto โ s son ) admits to using electricity from the power company , the more questions we have . I mean , Discovery Channel describes the show as a family living โ off the grid . โ I hope this does n โ t turn into another โ Bear Grills controversy โ ( another show that was produced by the Discovery Channel ) . Not to worry , either way , we โ ll keep watching for all the cattle and horse scenes . Plus , that Otto is one funny guy ! Share This : โ A dog , a horse , and a sheep โฆ Hilarious ! A horse โ s eyes โฆ Filly Fun Fact โ 11 comments to this article Saddle on July 14 , 2018 at 10 : 45 am - The Kilcher homestead is about 9 miles from the center of the town of Homer , Alaska . Part of the drive from the Kilcher homestead to or from the town of Homer requires driving about 1 / 2 mile on a dirt road , which may in turn require driving a bit slower , so you โ d have to factor that into total drive time . South Peninsula Hospital is the general hospital in the town of Homer , Alaska . According to Google Maps , South Peninsula Hospital is only 12 miles from the Kilcher homestead . Russell Cmejla on July 14 , 2018 at 7 : 39 am - How many minutes to drive from Otto โ s frontier location to the town of Homer . How far is Otto from a full service hospital ? Susan Osgood on September 24 , 2017 at 12 : 01 am - We love the show . Those that do not should sumply not watch it . on May 2 , 2017 at 5 : 35 pm - Thanks Vince ! I think that โ s one of the problems with all of these reality t.v. shows โฆ because they only show us bits and snippets of the characters โ lives , and purposely only let us see what they want us to , we โ re often left with more questions than answers . Take another hit Discovery show - Fast n โ Loud . There โ s an age old question that โ s been plaguing viewers since season one . No , nothing to do with the relationship between Richard Rawlings and Aaron Kaufman , As for the Kilchers , yea , there โ s no money being exchanged between family members , but that โ s no different to you helping your brother or sister out when they get that new Ikea entertainment center made up of a 100 different pieces . There โ s less bartering going on in Alaska : The Last Frontier than you think . I do n โ t believe Jane swapped halibut steaks for that brand new rifle she got a few seasons ago , or if they pay their electric bill with fresh vegetables . If you Vince Dobson on April 21 , 2017 at 10 : 38 pm - I see Kelli helped answer the question l had . From watching all of the shows , l see they do n โ t really keep a score card and money seldom if ever changes hands . Whatever someone needs they pitch in and do . It it a wonderful system l wish we could all live under . Vince Dobson on April 21 , 2017 at 10 : 32 pm - I searched trying to answer the question of why is it Atz that looks after Otto โ s cattle all summer . Great , found an article top of search . Read entire article โ huh , a waste of time , for all you did was ask the same question ! Where are the answers ? on March 28 , 2016 at 7 : 19 pm - Thanks โฆ not sure who โ Kelli โ is . Does Shane โ s wife from Last Frontier spell her name the same way ? Enjoy the show ! UPDATE : Indeed , she does spell her name with an โ i โ โฆ Tia Colvin on March 28 , 2016 at 7 : 00 pm - fillygirl โฆ not sure until I send if this page even exists anymore โฆ but here it is March 28th , 2016 and the last post was December 1st , 2014 โฆ Just wondering if the โ Kelli โ who responded to your article is Shane โ s wife ? Would n โ t that be interesting โฆ and amazing โฆ I love this family and ca n โ t find any information if season 6 is ever going to happen โฆ I do n โ t have cable so will just have to wait and see I guess โฆ : D Linda L on December 1 , 2014 at 5 : 35 pm - To be fair , the show does make it out like they live in the back of beyond . I mean they made a point of showing / highlighting how Otto and his wife do laundry outside with a non - electric laundry machine . They could clearly have , and use , an electric washer . So I do think Discovery edits certain parts for effect . on December 1 , 2014 at 8 : 14 am - Thanks for catching that Kelli . You are correct - Atz is the eldest MALE among the eight children . You have to remember - the Discovery Channel makes it seem as though the Kilcher Homestead is far , far away from the nearest town . It sounds like you โ re a local , so we appreciate your insight . Kelli on November 30 , 2014 at 9 : 40 pm - atz is not the oldest of the eight kids . He is a retired music teacher and has money from that plus he sells his art work and music . He loves the head of the bay and Bonnie often goes with him . Otto bought all his cows and atz does n โ t want to own any . He helps with other people โ s cows up there too for the cattlemans association here . Otto and Eivin use their equipment to do jobs around the area for others to earn money also . | [
"Alaska : The Last Frontier",
"reality show",
"Discovery Channel"
] |
http://film.thedigitalfix.com/content/id/68965/caligula-four-disc-imperial-edition.html | Caligula ( Four Disc Imperial Edition ) Review Font Size 16 + Eamonn McCusker 11 years ago In all of the grandly staged Roman epics that have graced our screens , only one has felt it necessary to populate their ancient city with a man wearing what can only be described as a hat shaped like a giant cock . There may be a good reason for that . Ridley Scott did not , for example , feel that such a man would have added anything to Gladiator . Nor did Anthony Mann in The Fall Of The Roman Empire and in all the special effects movies magicked up by Ray Harryhausen , never once did he feel it necessary to stick a big phallus on someone ' s head and have him wander about looking rather ill - at - ease with himself . In amongst the street players , the beggars and the odd Christian having so far escaped being fed to the lions , Tinto Brass has done just that . In all that is written about Caligula , including its tortuous route to the screen , its banning in the UK following a swathe of cuts made personally by James Ferman and the various indignities that were present in the film , including castration , murder and being castrated , murdered and then pissed on , what no one has ever said is how much of a nonsense it frequently is . " What shall it profit a man if he shall gain the whole world but lose his soul . " Mark 8 : 36 Beginning with a quote from the Bible was as sure a sign as any that with Caligula , Penthouse owner Bob Guccione was aiming very much higher than the average skin flick . Having the likes of Gielgud , O ' Toole and Mirren in his cast certainly helped Guccione ' s case , not to mention a script originally penned by Gore Vidal , but lest anyone forget that sex fuels the engine of as much as the politics of pagan Rome , Guccione pads out his cast with Penthouse Pets and anyone , frankly , willing not only to undress for the camera but also to masturbate , fuck or piss , or indeed all three . The tone is set in the very first minutes of the film , with Caligula ( Malcolm McDowell ) and Drusilla ( Teresa Ann Savoy ) frolicking in the woods while Prokofiev plays in the background . Later , their coupling continues in the bedroom . The pornography is as soft as the film ' s Tiberius has been driven half - mad by syphilis and , as Caligula arrives , is swimming within his palace surrounded by naked boys and girls . Sitting around this pool are children , raised only to serve the emperor and his satisfaction . Tiberius guides Caligula through a show of sexual perversion , finally killing one of his guards simply for his own amusement . But Tiberius ' killing is not yet over for the day . Giving Caligula a glass of wine , he suspects that it may be poisoned and refuses to drink from it . His Before Caligula leaves Capri , Tiberius suffers a stroke . Seeing this as his chance to become Emperor , Macro and Caligula hurry to his bedchamber but Caligula is unable to murder his grandfather . Instead , Macro steps forward to strangle Tiberius . Caligula tears the ring from Tiberius ' hand and , as he is buried with full honours , is crowned Emperor . Caligula is popular , initially at least . But he also realises the power that comes with his throne . Soon after taking the title of Emperor , he has Macro killed in case In spite of Gielgud having his name high on the poster , his Nerva is dead before the first half - hour is out . As he bleeds out in the bath , he talks of the evil that has been and that which is still to come . As one who has doubtless seen the pile of corpses grow under the command of Caesar Tiberius , either by the emperor ' s own hands or by those of his agents , Nerva tells Tiberius that his greatest wish is to be one who will choose the hour of his and decided to leave the production early . Nerva ' s saying , " I now choose to escape ! " may be the consul ' s thoughts on matters within the empire but they might also have been Gielgud ' s sentiments , all too aware that his reputation would not have been best served by a film in which a man with a large erection walks about on stilts or a group of men ejaculate into a bowl before Adriana Asti applies it to her skin . " Is it good for growing hair ? " asks McDowall In Censored , Tom Dewe Matthews ' look at the work of the BBFC ( and others ) , the writer is often sympathetic to the films under discussion , be they The Evil Dead The Texas Chain Saw Massacre or Ai No Corrida . And yet even Matthews ca n ' t resist calling , " Guccione ' s two - and - a - half - hour , multi - million - dollar folly " . And folly it is . It ' s hard to imagine quite who it appeals to . Like Salo , the sex is explicit and often violent , which might appeal to some , but only occasionally is it presented as being titillating . However , unlike Salo , which kept a longer - than - arm ' s length away from the sex , is right in there , it ' s swirl of pink labia , the purple of engorged penises and the reds of freshly - spilt blood being closer to the psychedelic sex of a normal porno than Pasolini ' s more disturbing film . A good example of this comes early on . An orgy is bookended by a Roman soldier having twine tied around his penis to prevent him urinating , being force - fed wine and then having his belly cut open by Tiberius , the blood and the wine mingling as it is drained away . Later in the film , there is a lesbian tryst , another orgy or two and much unsimulated sex , mostly oral but also straight fucking . features castration , McDowell sharing his bed with a horse , babies being nursed with cock - shaped bottles and Caligula fist - fucking a young officer after smearing fat over his anus . About the only sexual fetish not touched is that which involves shit . Everything else seems to be fair . Then again , those watching for the grandly staged horror , such as the machine that decapitates his prisoners , will doubtless be bored by the unsimulated sex . After the first sight of real penetration , which comes with Caligula ' s visit to Capri , there ' s no shortage of erections , ejaculations and other sexual goings - on , all of which are presented uncut in this 18 - rated DVD . But watching people have real sex is very dull , much less interesting than the staged sex of Do n ' t Look Now . Some of this is action typical of lesbian pornography , this being two women licking and poking their fingers into one another in such an aimless manner as to suggest cramp will set in long before orgasm . In between this , a lot of men prod their erections in the direction of some young female extras ( or male , it ' s interesting that does n ' t discriminate ) or , as happens more often , lie back , their faces hidden from view , while these same extras stroke anything even remotely like a penis . The one surprise in all this comes late in with unsimulated oral sex , even to the ejaculate dribbling out of the young woman ' s mouth . There are moments when really does work , although these have little to do with the sex or the political machinations of Vidal ' s plot . Instead , reading something of , his life seems to have been marked by insanity and it ' s when the film gets truly surreal that it seems to work best . Early in , Tiberius tells his nephew to dance , which he does , albeit reluctantly at first . The music , the sight of McDowell dancing and the naked young boys and girls swimming around Peter O ' Toole makes for an unusual sight and , this early on , hints at there being much of merit in . Later , this dance is repeated by Caligula in the rain while Brass rouses himself for a remarkable setting for his decapitation machine , a giant red juggernaut that functions like a lawnmower for those criminals against Rome who are buried up to their necks in sand but on which Roman soldiers stand behind giant paddles that extend over the field of prisoners . Near the film ' s end , there ' s a terrific banquet of food and drink brought back from Britain , while an orgy is accompanied by soldiers marching beside a boat that has ought to shown much more interest in . Unfortunately , it does n ' t . However , there is a bigger problem with , one that will be hard to overlook should you have any interest in this beyond masturbating to it . And that is how ineptly it is made . Tinto Brass may have spent a vast amount of Guccione ' s fortune on making the film but it did n ' t buy him the means to keep all his shots in focus , to stage the action or to frame his scenes to best suit his action . The camera zooms in on characters for no good reason while they lurch into focus a second or two after , The Omen . It only convinces when it is both explicit and real . When one sees a woman pissing on the body of a dead soldier , it works because we see , in detail , exactly where the urine comes from . And it ' s real piss . But is it worth watching ? Yes , it is . It ' s not a unique experience , owing bits and pieces to Salon Kitty Ben - Hur and The Ten Commandments and its production is sometimes inept but it ' s still a film that ought to be seen . What ' s been interesting in watching it for this review is that it does get better the more it ' s seen . Granted , it takes several viewings and McDowall ' s commentary to get the best out of it and to know what ' s happening as the film jumps between locations , scenes and characters . It was only by listening to McDowall that one can know the two men fellating one another were spies who simply Unrated Version . And if it seems as though Tinto Brass simply let himself be carried away by phallus - shaped bottles on which to wean the babies in Tiberius ' palace on Capri , it ' s worth reading Suetonius ' The Lives of Twelve Caesars ( Life of Tiberius ) to hear how , " unweaned babies he would put to his organ as though to the breast , being by both nature and age rather fond of this form of satisfaction . " Expend some effort on and there is something to admire in it . Versions Of The Film There are three versions of included in this set , two of which have been brought over from the Imperial Edition released about this time last year in the US . The third version of the film is the UK Theatrical release ( 101m47s ) , which was originally passed for release in this country in 1980 , four years after it was made . Compared to the other versions of the film , this is relatively tame . There is nudity but it has been greatly reduced from what is shown in the uncut version with what there is often being seen only from a distance . The violence is equally curtailed . For example , the Roman soldier force - fed wine now has his bootlaces tied around his penis off screen while his murder is only heard ( The uncut version of the film ( 155m58s ) is the one that contains everything that you ' ve read about here , including the sex and violence , the orgies , ejaculation , urination , masturbation and so on . That might sound an unlikely sort of thing for the BBFC to have passed but they have , according to their website , waived all previous cuts , saying that the sex and violence in , though still shocking , has dated and may not be as shocking now as it was in 1979 . The reputation of the film probably precedes it , though , with there being few coming to this film now who are not aware of what it contains . Still , just in case anyone approaches it unaware , there is a warning on the back of this 18 - rated film to say that contains , " Strong real sex " . Finally , there is an Alternative Version ( 152m58s ) , which , though close in running length to the unrated version , actually includes none of the hardcore footage added by Guccione . Instead , it contains the material shot by Tinto Brass , so it features much more symbolic sex than the cumshots of Guccione ' s but there is still much in it capable of upsetting people . There are other differences between this and the Unrated Version . Several scenes are moved to different points in the film , such as McDowall and Savoy gambolling through the forest , which comes ninety minutes into the Alternative Version but which opens the unrated cut . This is far and away the best of the three versions of the film , largely because it makes the most sense . Events are presented in a certain order , the film avoids jumping around quite so much and the continuity is unaffected by hardcore sex . Transfer All three films have been digitally remastered for this release . Or two of them were done so for the US Imperial Edition with the UK Theatrical Version remastered to accompany them . Remastered or not , though , the film still looks very soft on DVD with more than its fair share of marks on the prints . Of course , if you know the history of , then this is n ' t much of a surprise . Even before the film ' s release , Guccione had hacked the film about . What actually made it into the film is , according to rumour , a small part of what Tinto Brass shot and it ' s likely that all those reels of film may not have been treated with due respect over the years . Indeed , much of that footage is now lost so is not likely to look any better than it does here . Inasmuch as there are some obvious problems with how is presented on DVD , there are still moments when it looks impressive . Tinto Brass clearly made good use of Bob Guccione ' s money . The sets are n ' t far off those of de Mille , albeit with the kind of giant phalluses that would have looked out of place in The Ten Commandments , with the highlights being those in which Caligula addresses legions of Roman soldiers or watches as his giant decapitation machine deals with those who committed treason against Rome . The problem with the orgy scenes is that they often bear Guccione ' s hand as much as Brass ' s . Guccione is not , however , on a par with Brass , even in accepting the latter ' s tendency to zoom in and out without good reason . These scenes , particularly the lesbian scene late in the film , is so soft that Vaseline , or The three versions of the film come with different audio specifications . The Unrated and Alternative Versions come with a choice of original DD2 . 0 and DD5 . 0 soundtracks while the UK Theatrical Version , possibly due to it being exclusive to this set , only has a stereo track . There ' s very little to get excited about with any of the options . True , they do a good job of presenting the dialogue and carry the sound of the action reasonably well but there ' s very little ambience . Neither is there much to distinguish the two soundtracks from one another . There is some use of the rear channels to bring the soundtrack out from the front speakers in the DD5 . 0 audio but , otherwise , Extras With so much spread out of the set , I have split up the writing of the extras into what ' s available on each disc , with there being no bonus features alongside the Unrated Cut Accompanying The Theatrical Cut : This disc includes three Trailers , the Theatrical Trailer ( 1m45s ) , the Teaser Trailer ( 1m07s ) , which comes with a voiceover from Bob Guccione saying that is a new kind of motion picture , and the X - Rated American Trailer ( 1m00s ) . This is followed by the North American Bonus Footage ( 31m33s ) , which includes full scenes not included in any of the versions of the film available in this Imperial Edition . None of these scenes have been restored in the manner of the three versions of the film . The footage is scratched , dirty , jumps about and is often framed such that it ' s clear that it was meant to be fixed at a later date . Some of the footage also lacks dialogue with the producers of this DVD covering for that with music . Guccione said of Tinto Brass that he had shot enough footage to make Ben - Hur fifty times over and various ( and sometimes rumoured ) edits of the film have surfaced over the years . As such , thirty minutes of bonus footage seems somewhat brief when put against what is meant to be out there but this still offers much more of the spectacle that one associates with , there being more glossy sets , more blood , not so much more sex and a woman carrying a giant cock around . However , with none of this footage being placed in the context of the film , it could have come from anywhere . Then again , part of the problem with is that much of it really could have gone anywhere in the film without really changing its overall impact . Finally , there is a look Behind The Scenes ( 79m37s ) . With a Making Of elsewhere in this set , this really is a glimpse behind the scenes with someone , armed with a Super 8 camera , filming the crew as they set about making . All of the footage is structured in the timeline of the film ' s production , with it beginning with the arrival of the cast and crew , the building of the sets and to make - up and the fitting of costumes . Then it ' s on to the actual , which begins in Capri and goes through many of ' s set pieces . The problem with this footage is that there is no context to it , no narration and certainly no interviews . Indeed , there is no dialogue at all with this feature covering for that by the use of music from soundtrack . Accompanying The Alternative Version : The main extras here are three commentary tracks , one each from Malcolm McDowall ( with documentary producer Nick Redman ) , Helen Mirren ( with critic and journalist Alan Jones and James Ellis Chaffin ) and on - set reporter Ernest Volkman ( with Nathaniel Thompson ) . Of the three , McDowall ' s is the best . In particular , he ' s the one who tries to get to what is , saying to Tinto , " Why all the nudity ? Why is the army nude ? " , to which Brass replied , " ' cos you wanna see a lot of cock and balls ! " McDowall ' s commentary is hugely entertaining . Unlike that of Mirren , who only arrived on the set after O ' Toole and Gielgud had departed , McDowall was there throughout . Also , he makes no pretence at being well - mannered , telling stories about his father visiting the set on the day he had to piss on Mirren ' s suffers a bit from her not being on the set for the whole of the production and from , it would seem , her wanting not to upset quite so many people but there ' s still much of interest . Volkman , unlike McDowall and Mirren , has dialled his contribution in , which makes it hard to listen to ( and to hear ) sometimes but , like McDowall , has a good memory for the time but , unlike McDowall , lacks some of the knowledge gained from really being within the actual production Otherwise , this disc includes yet more Alternate & Deleted Scenes ( 48m08s ) , which includes all of the sex and violence that the North American Bonus Footage does not . Again , there ' s nothing new here , except it does make one wonder just what ' s wrong with those scenes of a giant phallus rubbing a young woman ' s derriere in silhouette and how different they are to what eventually made it into the finished version . The Bonus Disc : The first bonus feature on this last disc is a Making Of ( 61m47s ) , which dates from the time of the original production . We know this , not just because of how dated this documentary is , but because Gore Vidal was still involved in the film . Later , he would fall out with Guccione , who sided with his director as the two became involved in one disagreement after another . Guccione ' s reason for siding with Brass is a fair one . Vidal was basically finished whereas Brass was still working on the picture . So Vidal walked from the film , demanding that this name be taken This is followed by another Making Of ( 9m55s ) , albeit shorter . However , there is still some replication between them , most notably the behind - the - scenes footage and the interviews . Next is My Roman Holiday With John Steiner ( 24m21s ) , who looks back at the making of from his playing of Longinus , who is seen by Caligula ' s side for most of the latter two - thirds of the film . Now Steiner is an estate agent but this feature catches up with him to learn how he went from playing the inspector in a school play to being a star in Italian cinema and to the madness of . Steiner did n ' t enjoy his experience on Caligula and explains why , going on to discuss other films he was involved in before retiring as an actor . Caligula ' s Pet ( 28m19s ) is an interview with Lori Wagner , one of the Penthouse Pets in the film . She talks about her first nude pictures and to Guccione offering her a part in . Not a speaking part , she explains , but had expected something more than a glorified extra . Wanting her own spot in the movie , she stepped forward to piss on Prolucus and goes on to describe what happened as regards the hardcore inserts and Guccione ' s directing of them once Tinto and his crew had left the set . She then goes on to talk about Messalina Messalina - some clips from the film are included - but she ' s unhappy about her parts in these two films . " Too young and too naive ! " is what she says about her time in Italy and simply looks disappointed about what happened to her there . The final feature is Tinto Brass : Orgy Of Power ( 34m28s ) , which interviews the director of about his involvement with the film , his thoughts on what happened immediately after he finished work and the resulting fallout . Brass stresses that he and Guccione were making different films . Brass made to examine the orgy of power in which Caligula lived whereas Guccione was only interested in the power of the orgy . He describes his version of the film as being in ruins and does well here to make his point as to how the film that bears his name is , ultimately , not his . Finally , in this section , there are four Stills Galleries , including Colour Film Stills Black & White Film Stills Behind The Scenes Promotional Stills Finally , there is a sizeable amount of material included as DVD ROM content . As well as Biographies of the main cast and crew , there are two Scripts Press Material , the novelisation of and a two - page piece entitled The Real Caligula . There are also some scans taken from Penthouse magazine to publicise the film ' s release , including nude shots of Penthouse Pets Anneka Di Lorenzo and Lori Wagner . Overall This could well be as good as this film gets on standard DVD . I accept that Arrow Films , who are responsible for ' s release in the UK , may well be building on the work of others but it ' s no less impressive for them and for Image Entertainment to have brought together several versions of the film as well as so much bonus material in a single package . For that , they are to be congratulated . Film 2 out of 10 Video 6 out of 10 Audio 6 Extras 9 Overall 5 out of 10 Did you enjoy the article above ? If so please help us by sharing it to your social networks with the buttons below . . . Tweet Share Tags Category DVD Video Review Latest Articles | [
"Caligula",
"Roman epic"
] |
http://filmmusicreporter.com/2018/10/25/hunter-killer-soundtrack-details/ | Hunter Killer Soundtrack Details Posted October 25 2018 by filmmusicreporter in Film Music Albums Tags Donovan Marsh Hunter Killer score Soundtrack Trevor Morris 0 Lakeshore Records will release a soundtrack album for the action thriller Hunter Killer The album features the films original music composed by Emmy Award winner Trevor Morris Immortals OlympusLondon Has Fallen Vikings The Borgias The Tudors The soundtrack will be released digitally tomorrow October 26 The download link will be added to this article within the next day Hunter Killer is directed by Donovan Marsh and stars Gerard Butler Gary Oldman Common Linda Cardellini and Toby Stephens The movie follows an American submarine captain who is on the hunt for a US sub in distress when he discovers a secret Russian coup is in the offing threatening to dismantle the world order The thriller is being released in theaters nationwide this weekend by Summit EntertainmentLionsgate Visit the official movie website to learn more about the film Heres the album track list 1 Under the Ice 315 2 Pentagon 112 3 Glass to the Arkansas 056 4 Glass Prepares 105 5 Glass Addresses Crew 142 6 Tajikistan 107 7 Only Coin I Carry Glass Theme 042 8 Submerge the Ship USS Arkansas Theme 144 9 Russia 113 10 SEALs in Flight 106 11 Remains of Tampa Bay 513 12 Ice Break 145 13 Did We Just Start a War 118 14 Exercise My Ass 139 15 SEALs Ice Storm Parachute 220 16 Blast Signature 243 17 Launch the Mystic 133 18 Open the Hatch Cpt Andropov 207 19 SEALs On the Move 214 20 Tensions Rising 209 21 Russians 237 22 SEAL Incursion 1 131 23 Presidential Meeting 246 24 Ordered to Polyarny 125 25 Glass Sits with Andropov Brotherhood theme 240 26 SEAL Incursion 2 258 27 All Due Respect Just Keep Leading 055 28 Who Rah Arkansas 101 29 Enter Andropov 103 30 Underwater Mine Field 213 31 Your Chart Is Wrong 125 32 SEALs Engage 359 33 Blow Up 302 34 Dive Dive Dive 109 35 Where the Hell Is 208 36 Take a Deep Breath 129 37 Thats a War Ship 239 38 Show Down 219 39 Is She Down 112 40 Engage 128 41 You Did Good Kid 125 42 Oceans Bottom 140 43 Sub Internal 228 44 Final Countdown 716 45 Victory Im Looking at Him 312 46 Glass Meets Beaman 105 47 USS Arkansas 055 Your browser does not currently recognize any of the video formats available Click here to visit our frequently asked questions about HTML5 video | [
"Hunter Killer",
"Lakeshore Records",
"Trevor Morris"
] |
http://filthy-frank.wikia.com/wiki/Chromosomes | in : Terminology Chromosomes Timelines Chromosomes A chromosome GIVE ME THE CHOCOLATE , BALD MAN ! GIVE ME THE CHOCOLATE ! Filthy Frank , torturing Dade for chromosomes are the building blocks of all space , time , energy and matter that exists in the Omniverse . They are fundamental particles made of tightly packed and coiled DNA ( deoxyribonucleic acid ) that can be used as a power source , currency and unit of time . Chromosomes can manifest into objects , such as cakes and brownies , as described in the Book of Chromosomes - in fact every being from Realm 6.2 are chromic structures and have their own Chromic level , calculated by the amount of Chromosomes in their body defined as Chromic Mass ( with Prometheus having the highest and the lowest probably belonging to Lemon ) . Filthy Frank has been seen collecting chromosomes from a captive in his closet . It is possible that Chin - Chin has conspired with certain companies to manufacture chromosomes , such as SunCorp , which is suspected to use cheap Neo - Pakistani labor , so Lycra People could actually buy some to stay alive . Contents show Power Source Chromosomes control the amount of physical and mental power in any being . They can also be used to summon the dark lord Chin - Chin , as they are his primary source of power . Thus , Chin - Chin often seeks sacrifices in the form of Chromosomes which amplify his dark powers but at the cost of insanity . Prometheus was made by Red Dick as a guardian to protect him from danger ( and satisfy his sexual needs ) but Red Dick would never have dreamed of him defeating the dark lord himself with a Trash Can , thus proving that Prometheus is likely one of the most powerful beings in existence . On the other hand , beings that have shown incredible autistic and cancerous behavior , like Lemon and Safari Man were most likely sucking Obama ' s dick when Chromosomes were given out . Chromosomes also have the handy purpose of forging Lycra People out of nowhere . These Chromo - Lycras are then immediately sacrificed to Chin - Chin or die because people take pity on them for existing . It should be noted that while chromosomes make an entity stronger , you do not need many to survive . In the video " FILTHY FRANK VS CHIN CHIN Pink Guy has said that he only has " two [ chromosomes ] at the moment , " but appears to be in perfect condition for a duration of 1 : 25 minutes , starting from the 10 second mark of the video ( after this the next time the camera shows him is when he is already cursed and is " tripping balls . " ) Of course , Pink Guy could be losing chromosomes at a linear rate of time , just like we burn calories or energy , and we can never truly know how long a chromosome lasts How these beings have so many chromosomes , however , remains a mystery . Obviously Chin - Chin attains his by sacrifices throughout the series made both by fans of The Filthy Frank Show himself . But how people like Pink Guy and groups such as the Peace Lords attain their power is unknown . It is possible that they are simply born with them and have a limited amount unless they attain chromosomes through means of a sacrifice , or that they gain chromosomes over time by some natural , autistic process . If the latter is true then it explains why Filthy Frank was so scared whilst hiding in Realm 88 , why he went there in the first place , and why he seemed much more powerful afterwards . He may have been in some meditative state in which he was gaining chromosomes at an unparalleled rate , but was extremely vulnerable and as such would have been helpless if the Peace Lords found and attacked him . The reason he went to Realm 88 may be that it is the best place to attain chromosomes naturally , which would be why the Peace Lords reside there and are so powerful and feared . This is all speculation however and Chromosomes may be able to take on different physical forms as well , while still retaining their power . In the video 7 EASY WAYS TO MAKE CHOCOLATE AT HOME the mentioning of Dade Evil Dade ' s Power , along with the use of chocolate as a beam weapon instead of the normal light rays , seems to hint that the Bald Chocolate Man Race is able to manipulate chromosome energy by secreting it in chocolate . However , in heaven we see Dade has become obsessed with Fruit Snacks , and later uses them as a weapon against Evil Dade . It is possible that Fruit Snacks are a pure , holy form of chromosomes , and hurt Evil Dade because he was impure . Highest Chromic Levels : Key : ( d ) - unspecified deities of significant chromic power | ( l ) - lycra / lycra god | ( h ) - hakujin | ( k ) - kokujin | ( m ) - mechanical / robot Rise of Chin - Chin Arc and Dade Arc Prometheus ( h ) - Level Unknown ( presumed position ) ( ? ) - Level 666 x รรธ ยง ยง Pillow Man ( d ) - Level 465 x 69,000,000 Simon Cowell - Level 321 x 1,987 Racist Santa ( d ) - Level 246 x ( The KKK ) Weeaboo Jones - Level 427 x 999 Black Friend ( l ) - Level 163 x 42 Chin - Chin ' s Revenge Arc The Peace Lords - Level Unknown ( presumed position ) - Level 969 x 10 ( 3 x รรธ ยง ยง ! Gatekeeper - Level Unknown The Shaman - Level 100 x 2 ( d 2 + 2 ( cancer ) ) Fake Frank Pookie ( k ) - Level 940 x 6,500 Fake Frank Arc and War Prelude Arc The Peace Lords - Level 201 x 400 ( 10 304 + 3d ( b0ss ) ) Fake Frank - Level Unknown The Shrimpson Boys ( excludes Fake Frank ) - Level 200 x 10 ( 15 x cancer Gatekeeper Zuckerbot9000 ( m ) - Level 374 x 930,000 Pink Guy ( w / Jukebox ) - Level 500 x 300,200 War Arc the Peace Lords - Level Unknown Francis of the Filth Level 50 ( 23 x 10 ( 230 x pusi ) ) The Shrimpson Boys Level 200 x 10 ( 15 x - Level 302,000 x 10 12 Yung Upgrade / Mr . Negi Generation 3000 - Level 200 x ( 100 + 5 roast ) - Level Unknown Wheelz Level 82 x 3 stephcurrymyass { Time Frame } - 3000000000 Chromosomes " 2001 " The Peace Lords ( d ) - Level Unknown ( presumed position and existence ) Drone Council - Level Unknown Francis of the Filth ( presumed Position ) Dade ( D ) - Level Unknown ( presumed position ) Currency Chromosomes are often used as a currency after most money was destroyed in the Lycrapocalypse . Filthy Frank also often uses this kind of chromes as an ingredient , gift or sacrifice . The third richest guy on earth after Bill Gates and Elon Musk is without doubt Santa ' s Brother , because his dick is an endless source of chromosomes that he uses to pay everything with . He even gives some free to the ladies sometimes . The chromosome currency is mainly used in modern day Japan and Lycraine . Chromosomes do not have any known symbolic representation ; as such , any scenario depicting them as money can use the standard currency character ( ยค ) . By taking David Attenborough ' s traditional USD wealth ( $ 35,000,000 ) and using his wealth in Chromosomes ( ยค 695,234,532 ) we can calculate that one Chromosome is approximately $ 0.05 USD . Richest dudes : Bill Gates ยค 1.777814e + 12 Elon Musk ยค 423,099,872,333 Santa ' s Brother ยค 94,723,523,125 One Direction ยค 4,513,256,532 Oscar the Grouch Unknown ( presumed place ) David Attenborough ยค 695,234,532 Notable exception : Mr . Magic Man ( No funds ) - he ca n ' t get anything with his shitty magic tricks nigga cuz he be autistic as fuck m8 Time Chromosomes or CH are also an unit of time on Realm 6.2 . Studies show that Chromosomes fluctuate often during the fabric of known space and time . For example : as of the end of the year ( in traditional time ) 2013 , one year in standard time is approximately 5644.3299 Chromosomes , or one second is equal to 0.002 chromosomes , one minute is 0.0107 chromosomes , one hour is 0.6443 chromosomes , and one day is 15.4639 chromosomes . However , as of the end of the year ( in traditional time ) 2014 , one year in standard To show just how long an amount of time measured in a large amount of chromosomes can be , in the video NOISE COMPLAINTS , Frank is kicked out by his friends because he is " too loud " . The video states that he finds new friends after 2000 chromosomes , since the video was made in 2014 and is thus measured in the length of chromosomes in 2014 , approximately 134 years passed since Frank left his friends and gained new ones . In summary , the amount of time one chromosome is equal to in our universe ' s standard time changed from 5644.3299 chromosomes in the year 2013 to merely 14.8973 chromosomes in the year 2014 . It is possible that these chromic disturbances are caused by unnatural imbalances in chromic power - hence why this change in the value of chromic time coincides with the rise of Chin - Chin . This also explains why Frank and Salamander Man have been through tens - of - thousands of chromosomes throughout the Fake Frank Arc . Due to the chromic imbalance between Realm 0 and the Nairobi Desert caused by the presence of Chin - Chin and Fake Frank in the latter realm , this has caused incredibly high amounts of induced time dilation - meaning that time would pass faster relative to Real Earth Time . This extreme level of time dilation is calculated by the integral of secyDNA from real time to one - sixth of pi times log to base e of the square root of three times the sixty - fourth power of b0ss minus Cancer per hour , which is expressed as follows : $ { t_ { CH } = \ int_ { t_ { RE } } { \ frac { \ pi } { 6 } } \ sec yDNA \ , dy \ times \ ln \ sqrt { 3b0ss { 64 } } - C / h } $ where t CH is chromic time , and t RE is real or observed time . The solution is entirely dependent on the curvature of space at any moment within the fabric of the Omniverse , as set by the b0ss Cancer parameters , and the chromic power factor , yDNA . This equation means that the progression of time for stationary objects can even change because the parameters themselves are constantly changing , giving rise to the chromic imbalance , though the mechanism by which this happens is not yet known . This makes travelling between Realms extremely difficult . Velocity of any object moving through space and time is described by one vector minus axial vector or left - handed Lagrangian with sala sauce is formed per second in an average human body : $ { v - v ' = \ overleftarrow { sala sauce } / s } $ and if distance x is a function of time , then velocity v is defined by v = dx / dt . This makes perfect sense in real time , but chromic time must be factored in . So to obtain total distance traveled from point a to point b , ie between realms , the following equation is generated $ { x ( t_ { CH } ) = \ int_ { a } { b } v - v ' \ dt_ { CH } = ( v - v ' ) ( a - b ) \ int_ { t_ { RE } } { \ frac { \ pi } { 6 } } \ sec yDNA \ , dy \ times \ ln \ sqrt { 3b0ss { 64 } } - C / h } $ where a b positions in space - time . So if we were to travel through space between two known points , time could theoretically shrink , warp or reverse entirely . This equation also means that different points in the universe experience a different progression of time ie time dilation . Leaving us with = square root of four times the sixty - fourth power of ( 3td - 2 ) CH = One Chromosome is equal to 10 light - years , or 15 years , based on the position of the sun , so now would be the year 120.000 CH A . C . C . ( After Chin - Chin ) . * NOTE : The amount of chromosomes for 2013 were found using the two videos ROCK PAPER SCISSORS . . . ? CHIN CHIN SACRIFICE , assuming the amount of time between the two videos was the same as within the lore and universe that the Filthy Frank Show takes place in . Because of this , the number is up to question and can not completely nor accurately represent the exact value of chromosomes ( in a standard time basis ) for the year 2013 * To view the most agreed upon conclusion of the Chromosomal time to Gregorian time ratio , as well as calculations on what time is it now using Chromosomes as units , click the link here : Chromosomes ( Measurement in Time ) Timeline period can be viewed here : Timeline of Realm 6.2 Dark Chromosomes Dark Chromosomes are a fabrication of Chin - Chin ' s in an attempt to get as based as Lil B . He sits on his dark throne in Jacksonville , Florida ( made of the flesh of infants who die at young age ) and converts chromes to dark ones to increase his dark power . Too bad it gabe him da and made him some fucked up in his peanut . He seems to have filled Lemon ' s citric anus with dark chromosomes in their epic showdown last Christmas because he shootin ' lasers nigga but got distracted with pusi thoughs when an additional dark chromosome # 21 appeared in his DNA . It ' s unknown if the dark lord used chromosomes to change Salamander Man ' s sex before he molested him in the eyes or not . Terminology 420 Blaze It Airplane Instruction Videos From The 80 ' s Alaskan Pipeline Animal betting Anime Assflute B0ss Caveman Music Chef Chef ( movie ) Chromosomes ( Measurement in time ) Disease Drone Sex Heavy Mandarin I Eat Ass Junior Kancho Lemonjutsu Malaysia Airlines Meme Plague Mom ' s Spaghetti Peace Lords PornHub Pusi Ratchet Realm Ravioli Song Parodies The Harlem Shake Epidemic The Negi Method Volatile Reaction World Star Entertainment Categories Timelines | [
"Chromosomes",
"DNA",
"chromic structures"
] |
http://finalfantasy.wikia.com/wiki/Crestholm_Channels | in : Locations in Final Fantasy XV Crestholm Channels Edit Share Final Fantasy XV location Crestholm Channels ใฏใฉในใใฅใซใ ๆฐด้ Kurasutorumu suidล Sewers Map Background information Type Sewers Region Leide Affiliation ( s ) Lucis Areas None Residents None Gameplay details Items Hi - Potion Mythril Shaft x3 Rusted Bit x2 Oracle Ascension Coin Red Choker Map Chrome Bit Elixir Moogle Charm Map Target Scope ; Must be LV35 + ) Friendship Band ( Must be LV35 + ) Iron Shavings Wyvern Lance Hero ' s Shield Blood Sword ( right before the end boss ; Auto - changer Earth Pendant Enemies Gelatin Yojimbo Ereshkigal Bussemand Nagarani Black Flan Jormungand more info . . . Quests Defeat the boss Ever Illustrious Regalia Scraps of Mystery IV Hunts Man ! Love being in dark , cramped spaces . Really great how it just sets off my claustrophobia . No need for a reason โ let ' s never stop doing this . โ Prompto when entering Crestholm Channels is a network of sewers in Final Fantasy XV . Its entrance is outside the gates to Insomnia in the Leide region . It is a maze of tunnels and spans several levels . The final sidequest for Cindy Aurum sends the party to Crestholm Channels to find a part for the Regalia . The map is not much use for finding it , but the part is in a crossroads , behind a door , late into the dungeon . It has a sealed door as part of the Menace Beneath Lucis post game sidequest . The monoliths in its depths describe how a king of Lucis sealed a monster that petrified the Ostium region of Leide down there . Contents show Almanac Edit In Ostium Gorge near the Crown City blockade , on a table among some rubble . Flood control facility once under direct control of the royal family . The series of pipeways boasts the same processing power as the sewage system of Insomnia , utilizing the same advanced technology . First , the channels would collect rainwater , groundwater , and industrial wastewater from the area around Ostium Gorge . The water was then processed and preserved as a valuable natural resource for the notoriously arid Leide region . With the reduction of the Wall , however , also came a release from the royal control , and the facility soon ceased operations . At present , the sewers serve as a nesting ground for beasts and daemons that presumably snuck in through the cracks in the now - defunct pipelines . Freshwater fish that flooded into Crestholm have also formed their own ecosystem in the reservoir above ground , a pool known as the sole fishing hole in the whole Leiden mainland . Items Hi - Potion Mythril Shaft x3 Rusted Bit x2 Oracle Ascension Coin ( a hallway with a panel at the end where enemies jump out ; after dispatching the enemies the player can go down to get the coin ) Red Choker Chrome Bit Elixir x2 Moogle Charm Target Scope ; Must be LV35 + ) Friendship Band ( Must be LV35 + ) Iron Shavings Wyvern Lance Ruby Bracelet ( 25 % chance ; by the third control panel Hero ' s Shield Blood Sword ( right before the end boss ; Auto - changer Earth Pendant Ether Quests Ever Illustrious Regalia Noctis finds the headlights . Cindy Aurum ' s final regular quest is to send the party to the depths of Crestholm Channels to find special headlights that stave off daemons when on the road . The headlights are found near the end of the dungeon . The circle on the map is not much help for finding them ; it is better to keep going deeper and discovering new areas until coming to a narrow corridor where the treasure is shining gold on a box on the floor . [ Data from Patch 1.24 data edit purge Name Location Unlock Reward The Ever Illustrious Regalia Complete " The Ever Valorous Regalia " 3,000 EXP , Enhanced Headlights components Scraps of Mystery IV Main article : Scraps of Mystery The treasure is in the dungeon , which has the suggested level of 50 , although the player can enter any time . From the Esterleiden Blockade parking spot ( guarded by imperials ) , the player should head through the gate to the end of the road . The map is behind the red barriers in the southwest corner . At the nearby Crestholm Channels sewers entrance , the player should follow the passage and climb the steps at the end , turn right at the top , turn left at the next junction , drop down to the area below , go right , and right again , climb the ramp , descend the corridor , turn left , turn right at the metal bars , drop down through the gap at the end , turn right , and in the four - way junction enter the door ahead : the treasure is to the left by the wall Hunts [ Data from Patch 1.02 data edit purge Name Location Rank Type Mark Habitat Level Reward Stars Serpent of the Abyss Hammerhead 1 Jormungand x1 Crestholm Channels ( All Times ) 58 16,560 gil , Ruby Bracelet โ
โ
โ
โ
The hunt becomes available at Hammerhead after the player has defeated the boss at the sewers ' depths . Gallery Trivia and accessories can be picked up at Crestholm Channels , but they only spawn when the player is level 35 or higher . This is the only time in the game where the player ' s level affects loot that spawn on the field . Crestholm Channels is one of the few areas in the game that has ladders for the player to climb . Gladiolus Ignis and Prompto initially did not climb ladders , and simply appeared at the top after Noctis was done climbing . The ability for them to climb was added in patch 1.21 v d e setting Artwork Allusions Characters Development Downloadable content Patches Story Timeline Translations Locations Eos Regions of Lucis Cavaugh : Insomnia Citadel Hall of History Kingsglaive Base Camp Caelum Via Balouve Mines Formouth Garrison Galdin Quay Keycatrich Keycatrich Trench Longwythe Peak Longwythe Rest Area Norduscaen Blockade Prairie Outpost The Three Valleys Duscae Aracheole Stronghold Cauthess Rest Area Coernix Station - Alstor Coernix Station - Cauthess Costlemark Tower Daurell Caverns Disc of Cauthess Fociaugh Hollow Nebulawood Perpetouss Keep Taelpar Rest Area Wiz Chocobo Post Cleigne Burbost Souvenir Emporium Cape Caem Fort Vaullerey Greyshire Glacial Grotto House of Hexes Lestallum Malmalam Thicket Meldacio Hunter HQ Myrlwood Old Lestallum Pitioss Ruins Verinas Mart - Ravatogh Rock of Ravatogh Saxham Outpost Steyliff Grove Taelpar Crag Tempering Grounds ( DLC ) - Tollhends Stronghold The Vesperpool Niflheim Cartanica Eusciello First Magitek Production Facility Fodina Caestino Ghorovas Rift Gralea Magna Fortia Tenebrae Zegnautus Keep Accordo Altissia Altar of the Tidemother Maagho Other Angelgard Cygillan Ocean Galahd Solheim Fishing spots Lore Terms Astral Bismarck Camp Carbuncle Cerberus Chocobo Cosmogony Crownsguard Crow ' s Nest Crystal Crystal room Daemon Diamond Weapon Ebony Elemancy EXINERIS Industries Genji Blade Hiso Alien House Amicitia Hunters Imperial infantry Kingsglaive Kings of Lucis Lunafreya ' s hairpin Long night Link - strike Lovers ' Notebook Magic Magiteknology Magitek armor Magitek core Magitek engine Magitek infantry ) - Messenger Meteor Publishing Meteor of the Six Miasma Monolith Old Wall Oracle Oric ' s Culinary Chronicles Procurement point Radio Rakshasa Blade Ring of the Lucii Royal arms Royal Guard Royal Sigil Royal tomb Shield of the King - The Starscourge Sword of the Father Sylleblossom Trident of the Oracle True King Wall Wallbreaker Wave Events Fall of Insomnia Great War War of the Astrals Categories Locations in Final Fantasy XV Add category | [
"Crestholm Channels",
"Final Fantasy XV",
"Menace Beneath"
] |
http://finalfantasy.wikia.com/wiki/Daemonwall | in Final Fantasy XV enemies Final Fantasy XV marks Daemonwall Final Fantasy XV enemy Daemonwall ใใขใณใบใฆใฉใผใซ Demonzuwลru Gameplay details Locations Steyliff Grove Leide Type Mark and normal enemy Data Stats Daemonwall is an enemy in Final Fantasy XV fought during the A Wall in Our Way hunt in Steyliff Grove and can also be encountered in the main quest World of Ruin The hunt shows up to the hunt list at Meldacio Hunter HQ available after the player reaches Rank 8 as a hunter Daemonwall is based on the recurring Demon Wall enemy from the series which debuted in Final Fantasy IV Demon Walls appear as bosses with a gimmick advancing on the player who must defeat it before being crushed and getting a Game Over Contents show Bestiary A daemon inextricably bound to its home it lashes out at interlopers from within the very foundation of its habitat Difficult by nature to spot there was once thought to be only one specimen in existence yet others have been observed subsequently Size 3002 ft Weight 6075 t Hunt Data from Patch 102 data purge Name Location Rank Type Mark Habitat Level Reward Stars A Wall in Our Way Meldacio Hunter HQ 9 Daemonwall x1 Steyliff Grove All Times 84 38000 gil Emerald Bracelet Stats Classification Location Steyliff Grove Leide Vannath Coast main quest Quest Hunt A Wall in our Way Meldacio Hunter HQ Main Quest World of Ruin Time Anytime Type Daemon Break effects Vitality 20 body30 Body part modifiers None Status inflicted Poison Stone Stats Level HP Size 84 343600 4 EXP Libra Strength 11320 115 59350 Vitality Parry Spirit 209 Yes 262 Weapon affinities Swords Greatswords 100 100 Shields Polearms 100 120 Daggers Firearms 100 100 Machinery 120 Elemental affinities Fire Ice 50 50 Lightning Light 50 120 Statuses and immunities Death Alterna Immune Resistant Poison Stop Resistant Items Primary drop 5 Secondary drop 0 Oracle Card None Appendage 0 Element 100 None Lightning 12 Battle When fought as a hunt in Steyliff Grove Daemonwall is met near the end of the dungeon in an area littered in warp pads that teleport the party outside the ruins when touched The party finds the path blocked and is stunned when the wall comes to life and begins to advance upon them The player must defeat Daemonwall before it pushes the party onto a warp pad at the end of the hallway If this happens the player must return to the end of the dungeon to try again Lesser daemons also spawn during the battle Wait Mode is disabled The side rooms between the main halls can be cleared of daemons before engaging Daemonwall so the player can escape into them every time the wall pushes the party to the end of a hall This quadruples the available time to beat it since the player can fight it through four halls The party will not automatically use the side rooms the player must head there when Daemonwall approaches that section of the hallway The door in the second hall is much closer to where the wall starts so the player must be careful to not be pushed past it The hunt is considered completed when Daemonwall as well as the other daemons present are all killed In Chapter 14 the player can find a Daemonwall outside Galdin Quay and fight it as Noctis alone It does not advance upon the player but is stuck in a rock formation and this battle has no time limit Daemonwall can poison and petrify the party It is weak to polearms and machinery and resists elements besides Light which it is weak to It is not particularly strong and the main challenge of beating it is to do it before being teleported out of the dungeon Strategy For the battle in Steyliff the player should eat a food that gives good buffs as the battle is on a timer Greatly boosting attack is always good as it resists Elemancy and the player can pop some Power EXs and other buffer items to further boost their power It is good to wear whatever attire that boosts Strength the most Braveheart from Legendary HerbGrilled Whopper gives 500 Strength at the cost of reducing magic to zero Clairvoyant from Marrowshroom Chowder Golden Tail Soup and ScientiaStyle Sushi makes all attacks critical the sushi is especially potent but only available in the Royal and Windows Editions It is good to enter the battle with full Armiger bar and use it and trigger Armiger Chain just as Armiger is about to expire Armiger is best used after using a Strength buff item and Igniss Enhancement In the Royal and Windows Editions the player may also have Armiger Unleashed available Weapons that attack fast like daggers might be good if the player has a strong pair as well as royal arms such as the Trident of the Oracle Repeatedly warpstriking can be good with the right Ascension abilities unlocked Unlocking Ultimate Deathblow in the Ascension helps as well Promptos Piercer can be used to debuff the Daemonwall Gladioluss Impulse is good when other daemons spawn to dispatch groups of them quickly as the player should keep focus on the Daemonwall but it might get chaotic in the narrow space with other enemies appearing Magic can also be used to quickly dispose of the other daemons If using magic crafting spells with Quadcast or Quintcast is good Igniss Overwhelm is good when Daemonwall is alone the wall will not move during Technique animations Igniss Enchantment can make Noctiss attacks Lightelemental to hit Daemonwalls weakness but one must be careful if there are other enemies to not take on their weakness instead If someone gets petrified the player can heal with Gold Needles though in most battles healing Stone is not a priority since it expires fast it is best to not lose time in this battle Healing with items tends to be better than Igniss recovery Technique so the tech bar can be used for offense Igniss The Good Chamberlain accessories make him automatically use healing items Gallery Steyliff Grove Galdin Quay Etymology purge Dรฆmons are benevolent spirits that exist in classical mythology They are of the same nature as mortals and deities Categories Final Fantasy XV enemies Final Fantasy XV marks Configure Reference Popups Lorem ipsum dolor sit amet Recent Wiki Activity Otherworld theme Keltainentoukokuu 23 seconds ago Attack Node Keltainentoukokuu 2 minutes ago Tip Jar Twilight Man 1 hour ago Permanently missable content Frostare 2 hours ago Help us grow Final Fantasy Wiki Get Started | [
"Daemonwall",
"Final Fantasy XV",
"World of Ruin"
] |
http://finalfantasy.wikia.com/wiki/Excalibur_II | in : Greatswords Excalibur II English Edit Share The ultimate sword , used by a legendary king . It was forged in another world . Final Fantasy IX description The Excalibur II ใจใฏในใซใชใใผ๏ผฉ๏ผฉ Ekusukaribฤ II , also called Excalibur2 , is a recurring weapon in the Final Fantasy series . Like Excalibur , it is usually one of the most powerful swords and is Holy - elemental . Contents show Appearances Edit Final Fantasy IX The is the most powerful weapon available , and can only be equipped by Steiner . It has an attack power of 108 , its element is Holy , and teaches Minus Strike Climhazzard , and Stock Break . It is a well adorned sword , with a red - orange hilt and an opaque - green blade . Obtaining it yields The Ultimate Sword achievement / trophy in the versions that support an achievements system . Requirements Excalibur II ' s location in Memoria . Excalibur II is one of the hardest weapons to obtain , as it can not be bought from a shop or dropped or stolen from any monster . The only way the player can obtain the Excalibur II is to make it to the final dungeon Memoria , into the room Gate to Space ( where the party fights Lich ) without exceeding 12 hours of playtime . Once Lich is defeated , the player must search the pillar on the right of the room to receive the sword . A message is left near the sword for Gilgamesh , written by Enkido , which reads : To Brother Gil - Bro , I found the sword , like you told me . But there were two . One of ' em had a lame name , Something II . It was a dingy , old thing with flashy decorations , something you ' d probably like . So I went with Excalipur . I ' ll be back after I find the Tin Armor . โ Enkido Challenge Passing three discs in 12 hours is a challenge on the PlayStation version , however , it is even more difficult on PAL where the game runs at a 5 / 6 speed of NTSC due to a lower frame rate caused by the 50 / 60Hz conflict , while the internal clock still runs at normal speed . This essentially requires the challenge to be completed in less than ten hours if it ran at the NTSC frame rate . A trick to help reduce the time required is to open and close a PS1 or PS2 disc tray during an FMV scene to skip it as the internal game time is active during these sequences and will shed the time saved . The FMVs make up about 35 minutes to game time . However , this can not be done on the PS3 as opening the disc tray prompts the system to return to the menu screen , or on the digital downloaded version from the PlayStation Network Steam and mobile release makes the challenge substantially easier as cutscenes can be skipped , random encounters can be disabled , the player can stat boost their players to defeat enemies quicker , the battle intros can be disabled and the player can speed up their game by five times without affecting the internal clock . Even without speeding up the game , it is easily possible to claim the sword in under nine hours by making use of all other enhancements . In these versions , claiming the sword earns the player the achievement The Ultimate Sword . Usage of enhancements does not prevent the player from earning the achievement , however , as with all such enhancements , it is at the player ' s discretion whether such use constitutes cheating . The Excalibur II is not technically missable , although it is missable within reason . It is possible to reset the game clock to allow a player to gain the Excalibur II again if missed the first time by allowing the game ' s internal clock ( not the displayed time ) to overflow and restart from the beginning . However , this means 2 32 / 60 seconds ( over two years ) of gameplay , assuming that the game is continually on for that time . Perfect game If one is going after a " perfect " game save , there is much more that needs to be considered , such as many items , key items , and such can not be obtained after their respective disc . This is made harder by the fact that to get one key item later on , one will need to have not missed any treasure . Another issue is achieving " perfect stats " ; if one is to make the most of a character ' s stat potential one must play a " level 1 game " until disc 4 , when the best stat - boosting equipment becomes available . There are four battles in which EXP must be gained : the three battles fought in Pandemonium , and Tantarian . So players have to choose what characters absorb what EXP . So " perfect stats " and the issues mentioned above make the challenge probably the hardest challenge available in Final Fantasy on pre - Steam / mobile versions . For years , this challenge was thought impossible on the PAL PlayStation version , but recent runs have shown that a PAL playthrough is possible , but extremely difficult . citation needed Similarly , the challenge is possible in the PS - one " classics " downloaded version , but difficult due to the inability to skip FMVs . Tetra Master Tetra Master # 071 Location : Weapon Master in Treno Card Stadium ( disc 4 ) . Final Fantasy XII Excalibur II is a name of a weapon used by Gilgamesh , but this name only appears in the Japanese version ; the English calls it " NOT USED " . It is a fake version of Tournesol , one of the strongest weapons . Excalibur II has 30 points in Attack Power and inflicts Sap on hit . Final Fantasy Tactics Advance Improved version of Excalibur . Very sharp . โ Description Excalibur2 is the strongest knightsword and provides + 87 Attack , + 3 Magic , + 4 Speed , and + 5 Evade . It can be obtained after completing the post - game mission , " Mission 98 : The Hero Blade " . Final Fantasy Tactics A2 : Grimoire of the Rift An improvement upon perfection , this knight ' s blade has been honed to a razor - sharp edge . โ Description Excalibur II makes another appearance under the name " The Fallen Angel " . It is obtained during the Frimelda quest chain , and is referred to as Frimelda ' s weapon . It can be bought for 17,800 gil in the shop after creating it in the Bazaar after using a Lightwing Crystal Mythril Hero Tonic , and provides + 72 Attack , + 4 Speed , + 3 Magick , and + 5 Evasion . Bravely Second : End Layer A holy sword given to a great king by the Lady of the Lake , it is the counterpart to the blade with the selfsame name pulled from a great stone . Possessed not only of incredible power , it is bestowed with the blessings of the earth and sea , signifying its wielder as the rightful ruler of the world . is a sword provides 47 P . ATK , 90 Aim , deals light - elemental damage , casts Shining when used as an item , and deals 50 % more damage to demonkind . It can be found in Via Celestio Dissidia Final Fantasy is one of the strongest swords . It is a level 99 sword with an ATK of 67 . It gives + 100 % Experience Gain , and can be used by Warrior of Light Emperor Onion Knight Cecil Cloud Squall Tidus . It can be obtained as a drop from defeating the Steiner Friend Card Dissidia 012 Final Fantasy is a level 100 sword , but still maintains the same effects as the first game . It can be equipped by Warrior of Light Emperor Onion Knight Cecil Cloud Squall Tidus Zidane Exdeath Lightning Vaan Laguna Kain Gabranth . It can be obtained as a drop from defeating the No . 1 Moogle Friend Card . Pictlogica Final Fantasy โ This article or section is a stub about equipment in Pictlogica Final Fantasy โ . You can help the Final Fantasy Wiki by expanding it Final Fantasy Airborne Brigade This article or section is a stub about equipment in Final Fantasy Airborne Brigade . You can help the Final Fantasy Wiki by expanding it Final Fantasy Record Keeper about equipment in Final Fantasy Record Keeper . You can help the Final Fantasy Wiki by Final Fantasy Brave Exvius A knight ' s sword from the faraway world of Gaia . The blade holds an unusual green tone to it . This sword is known back in the world of Gaia as being the strongest of all knight swords , and is also notorious for how difficult it is to obtain . Excalibur II is a Great Sword that is obtained as Steiner ' s Trust Master . It provides 130 ATK and is Light - elemental . Gallery Etymology view edit purge Excalibur is King Arthur ' s sword , the one he obtained from the Lady in the Lake , after the one he pulled from the stone broke . Excalibur itself is thought to be derived from Caladbolg , which in itself may be drawn from the Welsh Caledfwlch , which can be latinised as Caliburnus . The legends state the sword was virtually peerless and only passed to the chosen . However , King Arthur was mortally wounded while wielding the sword by his son , Mordred in the battle of Camlann . Upon his death , it was either Sir Lancelot or Sir Griflet who , after much hesitation about discarding such a powerful sword , returned the Excalibur to the Lady in the Lake . v d e Edged weapons Axes Axe Battle Axe Broadaxe Death Sickle Demon Axe Destroyer Dual Haken Dual Tomahawk Dwarven Axe Earthbreaker Francisca Giant ' s Axe Gigantaxe Golden Axe Greataxe Hammerhead Hand Axe Hatchet Labrys Light Axe Lufenian Axe Mythril Axe Neckchopper Ogrekiller Poison Axe Rune Axe Slasher Tomahawk Viking Axe Daggers Air Knife Argentic Daggers Assassin ' s Dagger Baselard Beestinger Behemoth Knife Blind Dagger Bronze Knife Chicken Knife Chopper Cinquedea Dagger Dancing Dagger Danjuro Dark Knife Darksteel Kukri Defender ' s Daggers Gladius Inferno Fang Jambiya Khukuri Knife Kris Lust Dagger Mage Masher Main Gauche Man - Eater Mythril Dagger Mythril Knife Orichalcum Platinum Dagger Poison Dagger Poison Fang Ripper Scramasax Shear Feather Shikari Nagasa Spark Dagger Survival Edges Sword Breaker Terpsichore Thief Knife Triton ' s Dagger Vajra Valiant Knife Yoshimitsu Zwill Crossblade Greatswords Ascalon Barbarian ' s Sword Blade of Brennaere Braveheart Buster Sword Chaos Blade Chaos ' s Revenge Claymore Dark Claymore Defender Galatyn Greatsword Force Stealer Gust Claymore Hardedge Holy Win Lightbringer Lohengrin Lustrous Sword Mythgraven Blade Nagrarok Nail Bat Oblige Platoon Sword Ragnarok Rebellion Sin ' s Fang Sin ' s Talon Skofnung Spatha Sword of Kings Tournesol Treaty - Blade Two - Handed Sword Ultima Blade Ultima Sword Vajra Valhalla Vigilante War Sword Wyrmhero Blade Zweihander Gunblades Axis Blade Blazefire Saber Cutting Trigger Edged Carbine Enkindler Flamberge Hauteclaire Helter - Skelter Hyperion Lifesaber Lion Heart Omega Weapon Punishment Razor Carbine Revolver Shear Trigger Twin Lance Holy Swords Ragnarok Katana Alkaid Ame no Murakumo Ashura Corruptor Djinn Blade Dual Blade Furinkazan Gunromaru Homura Hototogisu Katana Katayama ichimonji Kazekiri Kikuichimonji Kiyomori Kodachi Kogarasumaru Kotetsu Kunai Magoroku Mako Katana Masamune Masamune Blade Mukademaru Mumeito Muramasa Murasame Mutsunokami Nanatsusayanotachi Nodachi Oborozuki Ogrekiller Onikiri Onimaru Osafune Raikiri Sasuke ' s Blade Shimmering Blade Shinobi - Gatana Shiranui Shusui Tachi Warblade Yakei Zanmato Ninja blades Ichigeki Iga Blade Kagenui Koga Blade Kunai Kodachi Oborozuki Orochi Sakura Sasuke ' s Blade Yagyu Darkblade Swords Airstep Sword Anastasia Ancient Sword Aqua Saber Arc Sword Argentic Rapiers Arondight Ascalon Avenger Apocalypse Balmung Baroque Sword Bastard Sword Beastmaster Bee Spatha Blank Blade Blazing Spirit Blood Sword Brave Blade Broadsword Bronze Sword Brotherhood Butterfly Edge Butterfly Sword Caladbolg Caliburn Celestial Saber Chaosbringer Chirijiraden Chocoblade Colichemarde Coral Sword Crystal Sword Curtana Dark Sword Darkbringer Deathbringer Demonsbane Desch ' s Sword Diamond Sword Dorgann ' s Blade Double - Edge Dragon Slayer Durandal Engine Blade Enhancer Estoc Eternity Blades Excalipoor Exploda Falchion Femme Fatale Flamberge Flame Fossil Flame Sword Flametongue Folding Epee Force Saber Fragarach Freezing Blade Gaia Blade Genji Blade Gluttony Sword Gold Sword Grasitha Greatsword Guardian ' s Edge Hauteclaire Helter - Skelter Highway Star Howling Soul Hunting Sword Icebrand Iron Sword Joyeuse Laevateinn Longsword Macuahuitl Mana Sword Materia Blade Mirage Sword Moonblade Mythril Blade Mythril Rapiers Mythril Saber Mythril Sword Nightmare Odinblade Ogrenix One - Winged Angel Onion Blade Onion Sword Platinum Rapiers Platinum Sword Rapier Razzmatazz Rhomphaia Royal Sword Rune Blade Rune Saber Rune Tooth Saber Salamand Sword Sargatanas Save the Queen Scimitar Serpent Sword Shadowblade Shamshir Short Sword Sleep Sword Soldier ' s Sabre Sonic Steel Sorcery Sword Soul Sabre Stinger Stoneblade Sun Blade Survivor ' s Edge Sword of the Father The Tower Thunder Blade Tyrfing Ultima Weapon Vajradanda Vanguard Variable Steel Warrior ' s Sword Werebuster Wightslayer Wild Rose Wing Sword Wizard Sword Zantetsuken Zwill Blade Spears Abel ' s Lance Banescissor Spear Battle Fork Bistro Fork Blood Lance Brass Spear Brionac Bronze Spear Calamity Spear Crystal Lance Demon Spear Dragon Lance Dragon Whisker Dragoon Lance Dragoon Spear Drain Lance Flame Lance Flayer Fork Gae Bolg Gastro Fork Glaive Golden Spear Gungnir Halberd Harpoon Heat Lance Heavy Lance Heretic ' s Halberd Highwind Holy Lance Ice Lance Impartisan Javelin Kain ' s Lance Knight Lance Longinus Mistilteinn Mythril Lance Mythril Spear Needle Fork Obelisk Pandoran Spear Partisan Platinum Lance Pole Axe Punisher Radiant Lance Reginleif Rhomphaia Rhongomiant Scorpion Shamanic Spear Silver Fork Slash Lance Spear Stinger Storm Spear Stoss Spear Taming Spear Thunder Lance Titan Lance Tonbogiri Trident Twin Lance Venus Gospel Viper Halberd Wind Spear Wyvern Lance Zodiac Spear Other Chainsaw Cutlass Drill Nightmare Categories Add category Languages : Deutsch Italiano | [
"Excalibur II",
"Minus Strike",
"Stock Break"
] |
http://finalfantasy.wikia.com/wiki/Great_Gospel_(ability) | in Theatrhythm Final Fantasy AllStar Carnival stubs Final Fantasy Airborne Brigade stubs Great Gospel ability Great Gospel in Final Fantasy VII Great Gospel ๅคงใใชใ็ฆ้ณ ลinaru Fukuin is Aerith Gainsborough s signature move that calls down healing rain that protects those it touches It first appeared as her ultimate Limit Break in Final Fantasy VII Contents show Appearances Final Fantasy VII Great Gospel is Aeriss ultimate Limit Break The player can begin the search its manual after acquiring the buggy as driving it into the Costa del Sol allows passage aboard the cargo ship to Junon In the north of the Junon Area there is a cave past the shallows where a sleeping man will give the player the Mythril item if the total number of battles fought ends in two matching odd numbers or zeros eg 11 133 255 1077 699 200 After the events in Rocket Town the Mythril can be taken to the man in the cabin between the Gold Saucer and Gongaga village and opening the smaller box located on the upper floor nets the Great Gospel item Until the player receives the Tiny Bronco the blacksmiths house will be empty and Cloud is immediately returned to the field screen after entering Aeris can use the Great Gospel manual in the menu after learning all of her other Limit Breaks Great Gospel restores the HP and MP of the party and makes the party temporarily invincible to all physical and magical attacks Final Fantasy VII Advent Children Aerith uses Great Gospel from the Lifestream to cure Geostigma victims Lightning Returns Final Fantasy XIII Great Gospel is an autoability that restores 65 HP after guarding continuously for 10 seconds It is obtained by equipping the Flower Bearer shield as part of Lightnings Aeriththemed set Midgars Flower Girl Theatrhythm Final Fantasy Curtain Call Great Gospel is an exclusive reactive ability that costs 25 CP to equip It is activated just once in Battle Music Sequences BMS when a bossclass enemy appears It restores HP gauge by 90 It is learned by Aerith level 40 Theatrhythm Final Fantasy AllStar Carnival This article or section is a stub about an ability in Theatrhythm Final Fantasy AllStar Carnival You can help the Final Fantasy Wiki by expanding it Final Fantasy Airborne Brigade This article or section is a stub about an ability in Final Fantasy Airborne Brigade You can help the Final Fantasy Wiki by expanding it Final Fantasy Explorers Players can transform into Aerith via the Trance system and use Great Gospel Final Fantasy Brave Exvius This article or section is a stub about an ability in Final Fantasy Brave Exvius You can help the Final Fantasy Wiki by expanding it Mobius Final Fantasy This article or section is a stub about an ability in Mobius Final Fantasy You can help the Final Fantasy Wiki by expanding it Gallery Final Fantasy VII Final Fantasy VII Final Fantasy VII Final Fantasy VII Advent Children Final Fantasy VII Advent Children Final Fantasy Airborne Brigade UR Final Fantasy Airborne Brigade UR Final Fantasy Airborne Brigade CR Etymology purge The Gospel of Mani or Living Gospel also Great Gospel Gospel of the Living and variants was a 3rdcentury gnostic gospel written by Mani v d e Limit Breaks v d e Signature abilities v d e Final Fantasy VII Categories Theatrhythm Final Fantasy AllStar Carnival stubs Ability stubs Final Fantasy Airborne Brigade stubs Final Fantasy Brave Exvius stubs Mobius Final Fantasy stubs Signature abilities Final Fantasy VII Limits | [
"Great Gospel",
"Aerith Gainsborough",
"signature move"
] |
http://finalfantasy.wikia.com/wiki/Via_Infinito | in : Locations in Final Fantasy X - 2 Via Infinito English Edit Share Cid Pollendina Oh , shut up and help me remodel the Via Infinito page ! Please expand this article into a full one . The following tasks need to be completed : Add in enemy formations per floor ( s ) . This request can be discussed on the associated discussion page . Remove this notice upon completion . Final Fantasy X - 2 location Via Infinito ่ใใใซๅป ใป ้ ใใใ่ฟทๅฎฎ Sei - Beberu Byล - Kakusareta Meikyลซ , lit . St . Bevelle Temple ยท Hidden labyrinth Background information Type Labyrinth , bonus dungeon Region Bevelle Affiliation ( s ) None Areas None Residents Gameplay details Items Many available from enemies Enemies Various enemies Aranea ( boss ) Black Elemental ( boss ) Concherer Chac Paragon Trema ( superboss ) more info . . . Quests Completing the bonus dungeon The is a vast optional dungeon below Bevelle accessed during the 5th chapter of Final Fantasy X - 2 . It consists of 100 floors or cloisters , beneath each other . In Chapter 5 , the player can go to the New Yevon Headquarters and find a glowing glyph on the floor at the end of the path on the right . Completing Via Infinito contributes toward the story completion percentage . The player faces many of the toughest opponents in Via Infinito , and at Floor 100 , fights a superboss . In addition to a handful of native fiends , other random fiends may appear if they have been fought elsewhere . Thus , it is a good place for completing Shinra ' s Bestiary Contents show Profile Edit The dungeon comprises of 100 cloisters ( or floors ) that form a descending stack . From each floor , one can drop down to the next but can not ascend to the former . There are great cloisters at floors 0 , 20 , 40 , 60 , 80 and 100 that , except cloister 0 , feature a boss battle . The bosses are characters from Final Fantasy X who died and turned into a fiend . In the final " Infinity " the party can challenge Trema For each cloister block of 20 floors , there are about six level designs which appear at random . Because the dungeon is swarming with monsters , equipping a Charm Bangle for No Encounters will have no effect . Every oversoulable fiend , except for the Georapella and Precepts Guard , can be found here . Elder Drake or Mega Tonberry can be found wandering the levels in real - time , and approaching them initiates a battle , but most of the time they can be avoided . On rare occasions , a Tonberry will offer a random item in lieu of a fight . A Tonberry guarding the blue glowing glyph in Via Infinito The most important friendly asset on each cloister is a blue glowing glyph on the floor . Walking on it restores the party ' s HP and MP and allows the party to teleport to the dungeon entrance . The portal may appear on the main path , in an obscure side path , or in a dead end guarded by a powerful beast . Once out of the dungeon , players can either resume from where they left off ( mislabeled as " continue from the deepest level reached " ) or start from cloister 0 , which offers teleportation to any of the unlocked great cloisters . Banners with Yu Yevon ' s likeness can be seen on each floor , but the symbol itself is upside down . Recommended tactics As Via Infinito has the toughest enemies , using strong equipment and dresspheres is optimal . The Highroad Winds and Mounted Assault Garment Grids offer the First Strike ability , which is useful for everyone . Good dresspheres include Dark Knight ( for its high defense and HP ) , Gunner ( for its damage - dealing potential ) , Alchemist ( for healing ) , and Berserker with all the evade abilities learned and a Speed Bracer equipped ( for fighting the Elder Drakes ) . Gun Mages also have a chance to learn some Blue Bullet abilities from Via Infinito . Accessories that boost Luck are especially useful . Lady Luck is good for easily bribing opponents and Mascot is the strongest dressphere in the game . In the International + Last Mission and HD versions , the player can capture a variety of fiends and swap them in when there is a need . Cloisters Cloisters 0 - 20 Entrance to Via Infinito Crimson Sphere 6 is received at the entrance of the dungeon after the initial cutscene . Cloister 0 is known as the Great Cloister . They appear every 20 levels . In Cloister 0 , on the far right side there is a hidden path to a pillar . Jumping on it transports the player from Great Cloister to Great Cloister ( every 20 levels ) . This is useful for battling fiends one missed oversouling and if one accidentally went back to Cloister 0 . The first bloc is the easiest and can be completed in under 30 minutes . There will be Elder Drakes jumping back and forth , but the player can get past them without a fight . A way to tell that there is one nearby is by the roar and jumping noises . The boss at Cloister 20 is Aranea . With only 18,000 HP he may not seem like much of a boss , but he is strong and can inflict Stop with normal attacks . It is similar in appearance to Boris from the Floating Ruins on Mt . Gagazet . It was once Maester Wen Kinoc , who was murdered by Seymour Guado Crimson Sphere 8 is a reward for defeating Aranea . Cloisters 21 - 40 Elder Drake in Via Infinito This bloc of cloisters has three new level designs . The level with the Elder Drake might now have two . There is also another room with an Elder Drake in a pit in the middle of the path . This particular cloister has a path going left and right ; the player should take the left path and hit the switch to activate stepping stones . The boss in Cloister 40 is Black Elemental that only has 9,999 HP , but maximum Magic Magic Defense stats . Its Ultima attack is usually lethal . It was once Lord Jyscal Guado , former Maester of Yevon and father of Seymour Guado . After defeating the Black Elemental , a chest will appear containing Moon Bracer Shining Bracer Speed Bracer Recovery Bracer Cat Nip . Cat Nip has the ability SOS ? ? ? ? , which when equipped , will cause the wearer to deal 9,999 hit points in damage with all attacks if their HP is HP Critical . In the International and HD Remaster versions , it also has Auto - Berserk and Auto - Slow . Cloisters 41 - 60 Tonberry in Via Infinito The dungeon gets harder from here on . The level designs will be different , but a couple stay the same . Mega Tonberries appear in the floors now , although uncommonly . To get past the Mega Tonberries without a fight the player must run to the side through the gap . Instead of two jumping Elder Drakes there will be one jumping front to back to the side and one at the end off a ledge that is hard to see unless one stops at the edge and drops down . If the player jumps the ledge a In this bloc , there are Tonberries with tiny Tonberries ; if the player finds a cloister that starts on a ledge and at the edge there are three more ledges in intersections and one in the middle , following the path of that cloister to a Tonberry near the exit has a tinier version of him standing next to it . Talking to the little Tonberry gives an item . The boss in Cloister 60 is Concherer who has nearly 350,000 HP , high stats across the board , and can inflict heavy damage . Its appearance is similar to Neslug of the Monster Arena from Final Fantasy X . It was once Grand Maester Yo Mika . When defeated , it can be captured and used as a very powerful ally . Cloisters 61 - 80 Tonberry Cloister in Via Infinito This bloc has many Mega Tonberries , but none of them are mandatory . There is a cloister with a long bridge and a Mega Tonberry at its other closed end . After defeating or waiting for it to walk away , the player must jump down the bridge and make a left , go down and press to get on another platform . After a semi - circular path , there should be three separate alcoves with Tonberries . The exit is in the middle one , but it is blocked by a Mega Tonberry . Instead of fighting it , the player can fight ordinary Tonberries in the other alcoves to make the Mega Tonberry disappear . On some levels , there is a Mega Tonberry waiting on the left intersection , so player should slow down in these parts . There is also a cloister full of Tonberries . The Mega Tonberries ca n ' t reach the player , but if the player touches a small one a fight with a Mega Tonberry ensues . The player must avoid the Tonberries and look for a switch . This cloister has two side platforms and two top platforms . One has a teleport glyph and one is a switch . The other two are empty . In the original version , if the player equips Cat Nip and keeps a Gunner ' s HP low , they can clear this bloc faster and be automatically be prepared for the boss battles to come . This strategy is no longer viable in the HD Remaster version . The boss in Cloister 80 is Chac , a strong Basilisk with over 430,000 HP who petrifies the party . She was once Lady Yunalesca , the keeper of the inner sanctuary inside Zanarkand Dome Cloisters 81 - 100 Final Cloister The bosses from previous boss battles in Via Infinito appear in the last bloc as normal encounters , but it is possible to escape from them . From the cloisters 85 to 99 , Elder Drakes become random battles . In the last 10 floors , the Via Infinito bosses do n ' t appear much , but the fiends start appearing in unique battle formations and ambush the party regularly . With the First Strike ability , the ambush is not a problem . There is again a cloister with a regular Tonberry along with a tiny Tonberry . They do n ' t attack . The player can press on the normal - sized Tonberry to receive an item . The player can click to push the small Tonberry around , then get another item from the bigger one . The maximum amount of items one can obtain from them is two . The items obtainable from the Tonberries are : Gold Hairpin X - Potion Turbo Ether Remedy Antidote Hi - Potion Potion There are two bosses at the bottom of Via Infinito , fought successively with no chance to heal after the first boss . The first is Paragon , which has 200,000 HP and high stats . Paragon was once Lord Zaon , Yunalesca ' s husband and the first Final Aeon . The second is , the former head of New Yevon who entered the Via Infinito a year ago . Trema is a strong superboss with 999,999 HP and maximum stats , and possess deadly physical and magical attacks . Defeating Trema awards the Iron Duke accessory . It raises all stats by + 100 ( except Agility and Luck , which are + 10 and + 50 respectively ) and boosts HP and MP by 100 % . Musical themes " Disquiet " from Trouble with the audio sample ? The theme to Via Infinito is " Anxiety " ไธๅฎ Fuan , called " Disquiet " in the Luca sphere theater and iTunes . Etymology view edit purge Via infinita is a Latin or Italian phrase that means " endless way . " v d e setting v d e Sidequests Categories Locations in Final Fantasy X - 2 Add category [ Configure Reference Popups ] Languages : Deutsch Lorem ipsum dolor sit amet | [
"Via Infinito",
"optional dungeon"
] |
http://finance.columbia.edu/content/types-audits | Audit & Advisory Services Types of Audits Types of audits include : Financial โ Financial audits typically involve a focus on financial controls as they relate to reporting . These audits focus on accounting controls present in the general ledger or sub - ledger systems . Financial statement auditing is the focus of our external auditors . Internal Audit will complement the work they perform based on an agreed plan . Operational โ Operational audits focus on the review and assessment of a business process . The activities of the business process may result in a direct or indirect financial impact to the organization such as the collection of student tuitions or patient account balances . Internal Audit primarily focuses on operational audits but can extend the scope to include accounting procedures that can impact financial reporting . Compliance โ Compliance audits review the level of compliance with internal policies or external regulatory requirements . Information Systems โ Audits of Information Systems look at the overall infrastructure and network of the University and the controls that relate to the security of the network and the systems that are maintained in support of the goals of the University . They also include technical operations , data center operations , project management procedures , and application controls . Integrated Audits โ Integrated audits look at controls that address financial , operational , compliance and information systems risks . These audits are typically centered on a business cycle or a specific part of a cycle or process . | [
"Audit & Advisory Services",
"Financial",
"Operational"
] |
http://finance.zacks.com/ach-debit-vs-direct-deposit-2207.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Banking ACH Debit vs . Direct Deposit By : Mack Mitzsheva More Articles 1 . Protected Social Security Benefits Under Law 2 . Why Is a Debit Card Issuing Cash When the Withdrawal Causes the Account to Be Overdrawn ? 3 . How to Transfer an IRA to Another Bank ACH , or Automated Clearing House , is an electronic network that processes credit and debit transactions . These includes transactions in both the public and private sector . ACH facilitates the electronic transfer of funds , in the form of payments and deposits , from the account of one party to the other . Although ACH debits and direct deposit both occur electronically , they each serve different purposes . ACH Debit An ACH debit occurs when a creditor or merchant electronically removes funds from a bank account . It is a deduction of funds in a specific amount . ACH debits happen when a consumer makes a purchase or pays a bill using the routing number and account number from his bank account . ACH is a transfer conduit . The consumer gives the merchant or creditor his account information , who then uses that data to remove the funds . Those funds are then credited , or transferred into , the merchant or creditor ' s account . Direct Deposit A direct deposit occurs when an employer or other payer electronically deposits funds into a bank account using the ACH system . The deposit is for a specific sum of money . This is known as a credit to the account , as opposed to a debit , which is a removal of funds from the account . For employees , this can be a convenience . There is n ' t a paper check to cash . The funds are transferred from the account of the employer directly into the account of the employee . Considerations An ACH debit can be a quick way to pay a merchant but there are drawbacks . Debits remove funds from your bank account and errors do occur . If you give a creditor permission to electronically debit your account , the creditor may erroneously deduct more from your account than you expected . This could lead to an overdraft on your account if there are n ' t sufficient funds in the account to cover the payment . It could also lead to the imposition of an overdraft fee from your bank . If an error occurs , you Other Errors Direct deposits can have unforeseen consequences as well . When you sign up for direct deposit with a company , you give that company permission to electronically deposit funds into your bank account . You also give the company permission to electronically remove funds if the company believes that you were not authorized to receive those funds . This could occur if an employer pays you more than you were owed or if you receive monetary compensation for a benefit , such as vacation pay , that the company later determines you were not entitled to receive . The company Video of the Day References ( 4 ) Resources ( 2 ) About the Author Mack Mitzsheva is a tax lawyer , personal finance expert and the author of the forthcoming ebook , " 10 Best Places to Work Online . " Mitzsheva is also a social media entrepreneur with five successful sites under her belt . Always innovative , Mitzsheva is currently developing a cutting - edge budgeting app for newlyweds . | [
"Automated Clearing House",
"electronic network",
"Direct Deposit"
] |
http://finance.zacks.com/average-price-common-stock-5712.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Investing for Beginners How to Find the Average Price of Common Stock By : Lisa S . Kramer Most stock issued in the United States is common stock . More Articles 1 . How to Find the Total Number of Shares From a Balance Sheet 2 . Sale of Common Stocks 3 . How to Account for a Dividend Reinvestment Corporations can issue two types of stock : common stock and preferred stock . If you own common stock in a company , then you have a proportional ownership interest in that company . You do not have to buy all your common stock in a company at the same time but rather you can spread out your investment over a period of time . Since the purchase price of common stock typically changes every day due to market forces , common stock purchased at different points in time will cost different amounts of money . To determine the average Calculate the total amount of money spent on acquiring all your shares of common stock in a particular company . For example , if you bought 100 shares of common stock in Company X at $ 15 per share , 200 shares of common stock in Company X at $ 21 per share and 300 shares of common stock in Company X at $ 23 , you would determine the total acquisition price of these shares as follows : [ ( 100 x $ 15 ) + ( 200 x $ 21 ) + ( 300 x $ 23 ) Add together the total number of shares of common stock you purchased in a particular company . Continuing with the same example , you would calculate the total number of shares as follows : ( 100 + 200 + 300 ) = 600 shares . Divide the number you got in Step 1 ( the total cost of acquiring all your shares of stock in a particular company ) by the number you got in Step 2 ( the total number of shares of common stock your purchased in a particular company ) . Continuing with the same example , you would divide $ 12,600 by 600 shares to get $ 21 as the average price of common stock . Tip If you do not know how much you paid for your shares of common stock in a company , many websites such as Yahoo ! Finance offer a free searchable database of historical stock prices . Video of the Day References ( 3 ) Resources ( 1 ) Photo Credits About the Author Lisa S . Kramer is a licensed attorney practicing civil litigation and estates and trusts law in southern Florida . She received her Bachelor of Arts in English from the University of Florida , where she graduated Phi Beta Kappa and cum laude . Kramer earned her Juris Doctor from the University of Florida Levin College of Law . | [
"Common Stock",
"preferred stock",
"Average Price"
] |
http://finance.zacks.com/basis-inherited-iras-2711.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information 401ks & IRAs Basis of Inherited IRAs By : Mark Kennan | Reviewed by : Ryan Cockerham , CISI Capital Markets and Corporate Finance | Updated March 06 , 2019 For an inherited IRA , " basis " means the amount on which the decedent paid taxes . More Articles 1 . How to Reduce Tax on Inherited IRAs 2 . How to Report IRA Withdrawals on a Tax Return 3 . The Power of Tax - Deferred Compounding in a Traditional IRA Inheriting an individual retirement arrangement can be both a blessing and a curse . Although you get access to the account and can take distributions without paying any early - withdrawal penalties , you often have to pay taxes on all or some of the distributions . However , if you know the basis in the account โ or amount of nondeductible contributions โ you avoid any potential for double taxation . Tip With regards to an IRA , the basis refers to whether or not nondeductible contributions were made to the account . Evaluating Relationships to the Decedent When you inherit an IRA , your basis in the account is the same as the decedent ' s basis . For traditional IRAs , that ' s the amount of any nondeductible contributions made to the account . For Roth IRAs , the basis equals the amount of total contributions , because all Roth IRA contributions are nondeductible . For example , if the decedent had a $ 20,000 basis in his traditional IRA because over the years he made $ 20,000 of nondeductible contributions to the account , your basis is $ 20,000 . Significance of Basis The basis of an inherited IRA is significant because it often determines whether you will pay taxes on all or a portion of your distributions from the account . Knowing the basis in the account allows you to avoid paying taxes on money that has already been taxed . If the decedent made nondeductible contributions to a traditional IRA , the decedent has already paid taxes on that money . If you are unaware of the decedent ' s basis in the IRA , you ' ll pay taxes on all of the distributions from the account , including the money that was already taxed . Taxability of Traditional Distributions If the decedent had a basis in a traditional IRA from making nondeductible contributions , you have to figure the tax - free portion each time you take a distribution . Divide the basis of the IRA by the value of the IRA at the time you take the distribution to figure the tax - free percentage . Then multiply the percentage by the amount of the distribution . Finally , subtract the tax - free portion from the old basis to find the remaining basis . For example , say you inherit a traditional IRA with a basis of $ 20,000 and you take a $ 10,000 distribution when it is worth $ 100,000 . The tax - free portion of the distribution equals 20 percent , or $ 2,000 . Your remaining basis in the account is $ 18,000 . Taxability of Roth Distributions Unlike a traditional IRA , contributions to a Roth IRA are not deductible by the account owner . That also means withdrawals are tax - free . If the decedent made her first Roth IRA contribution to the account at least five years before she died , the basis does n ' t matter , because all of the distributions come out tax - free . However , if the Roth IRA is less than 5 years old , basis matters . When taking distributions , you first remove the basis tax - free . Only after you ' ve removed all of the basis are the distributions of the remaining earnings taxable . Video of the Day References ( 2 ) Photo Credits tax forms image by Chad McDermott from Fotolia . com About the Author Based in the Kansas City area , Mike specializes in personal finance and business topics . He has been writing since 2009 and has been published by " Quicken , " " TurboTax , " and " The Motley Fool . " | [
"individual retirement arrangement"
] |
http://finance.zacks.com/can-bank-hold-funds-joint-account-spouse-dies-9396.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Personal Money Management Can a Bank Hold Funds on a Joint Account When a Spouse Dies ? By : Beverly Bird | Updated April 16 , 2018 More Articles 1 . Death & Joint Savings Accounts 2 . What Is Required to Close a Savings Account if Someone Is Deceased ? 3 . How to Transfer a Savings Account After Death It ' s common for spouses to share a bank account , and most probably do n ' t want to think about what might happen to the money if one of them dies . In most cases , however , nothing changes . The bank typically wo n ' t freeze the account โ at least not the entire account โ and the surviving spouse can go on making deposits and taking withdrawals just as before . Access to Funds When spouses hold a bank account jointly , they do it in one of two ways . The names on your account either read " John Doe and Jane Doe " or " John Doe or Jane Doe . " If the former is the case , you must sign checks together and sign together for withdrawals . This automatically means that although your bank wo n ' t necessarily freeze the account or hold the funds when one of you dies , you do n ' t have access to the money either , at least not until the Death of One Owner Joint accounts typically carry rights of survivorship because of their very nature , but check with your bank to make sure this is the case with yours . Normally , if either of you can access the account without the other during your lifetimes , this continues after one spouse dies and the bank ca n ' t intercede with or overrule this right . The nature of the account does n ' t change because one of you has died , and the bank has no right to hold the account funds . At death , ownership of the Exceptions to the Usual Rules An exception sometimes exists if a deceased spouse was collecting Social Security benefits . Most funeral homes notify the Social Security Administration of a death when it occurs , and Social Security will cease payments . If a check has already gone out in the mail , however , the surviving spouse or the executor of the estate must return it to the SSA when it ' s received . If the payment is directly deposited into the decedent ' s account , the bank might hold or freeze this portion of the balance because the bank is responsible for In no event should you withdraw this money even if the bank does n ' t freeze it and even though you still have full access to the account โ it ' s not yours . Probate Issues The funds in a joint bank account are not subject to probate , and the deceased spouse can not assign them to someone else in his will . The other account owner has a legal right to access the funds and the law ca n ' t step in and take this away any more than the bank can . The only exception is if you and your spouse have a written agreement that half the account should go to the estate and be distributed to other beneficiaries . Video of the Day References ( 2 ) About the Author Beverly Bird has been writing professionally for over 30 years . She specializes in personal finance and w , bankruptcy , and she writes as the tax expert for The Balance . Recommended Articles Do You Have to Be Married to Have a Joint Account ? Who Gets the Savings in a Wife ' s Name if She Dies ? What Are the Benefits of a TOD Vs . a Joint Account ? Related Articles Joint Checking Account Laws Can an IRA Be Overridden by a Will ? Can a Spouse Legally Withdraw Funds From a Bank Account ? Editor ' s Picks Can a Husband Be Sued for Withholding Money ? Does a Husband Have to Have His Wife ' s Signature When Setting Up an IRA ? Can a Creditor Freeze My Bank Account for Unsecured Debt ? Trending Topics Latest Most Popular More Commentary | [
"Bank Hold Funds",
"Joint Account",
"Spouse"
] |
http://finance.zacks.com/can-combine-ira-wifes-ira-1309.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information IRAs Can I Combine My IRA With My Wife ' s IRA ? By : William Adkins IRAs can not be combined ; even if they actually make one marital nest egg , they must be held individually . More Articles 1 . How Much Can a Married Couple Put in Their IRA Every Year ? 2 . Can a Husband ' s Earned Income Be Deposited in a Wife ' s Roth IRA ? 3 . Can I Add My Wife to My Traditional IRA Account ? The Internal Revenue Service is very strict with its definition of IRAs as individual retirement savings plans . You and your wife can create spousal IRAs and contribute to them as long as you meet IRS income requirements . However , you can not actually combine your IRA with your wife โ s while both of you are living . Spousal IRAs IRS spousal IRA rules allow a husband and wife to make contributions to each other โ s IRAs . The maximum annual contribution for each IRA is $ 5,000 and increases to $ 6,000 when the account owner reaches age 50 . This means a couple can contribute a maximum of $ 10,000 to $ 12,000 each year . To take advantage of the spousal IRA rules , a couple must file a joint tax return . The amount you contribute to your IRA may not exceed your combined taxable compensation , minus any contributions your wife makes to your Income Limits If a married couple โ s income exceeds IRS limits on IRAs , the tax deduction for traditional IRA contributions is gradually phased out when either is covered by a retirement plan at work . However , you may still make non - deductible contributions to a traditional IRA . As of 2012 , if your wife was covered and you were not , your deduction started to decrease when your adjusted gross income reached $ 173,000 and was eliminated when AGI reached $ 183,000 . If you were covered by a retirement plan where you worked , the phase Inherited IRAs When a spouse passes away and has named her husband as the beneficiary of her IRA , the surviving spouse has several options . He may combine his wife โ s IRA with his own by rolling the inherited IRA into his own IRA . The funds maintain their tax - deferred status . Alternatively , he may choose to remain a beneficiary . This can allow a surviving spouse to take penalty - free distributions from the inherited IRA even if he has not reached age 59 1 / 2 . A surviving spouse may elect to disclaim or Inherited Roth Rules The rules governing inherited Roth IRAs are the same as for traditional IRAs . However , Roth IRA distributions may not be qualified . If the distributions are not qualified , you โ ll have to pay ordinary income taxes on them . This does not change your ability to combine your wife โ s IRA with your own if she passes away . However , distributions from an inherited Roth IRA will be qualified only when the account has been open at least five years . If you combine accounts with a rollover , the money must stay in Video of the Day References ( 4 ) Photo Credits About the Author Based in Atlanta , Georgia , W D Adkins has been writing professionally since 2008 . He writes about business , personal finance and careers . Adkins holds master ' s degrees in history and sociology from Georgia State University . He became a member of the Society of Professional Journalists in 2009 . | [
"IRA",
"IRS"
] |
http://finance.zacks.com/can-deduct-elder-care-mom-tax-return-3628.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Tax Deductions Can I Deduct Elder Care for My Mom on My Tax Return ? By : Naomi Smith A parent ' s elder care may qualify for a deduction or tax credit . More Articles 1 . How to Deduct for Travel Expenses to Care for Elderly Parents in Another State 2 . Can I Claim Dependent Care Expenses for a Disabled Granddaughter ? 3 . Can Childcare Expenses Be Deducted on a Tax Return ? " Elder care " is broad term that encompasses a variety of services , from part - time in - home care to assisted living facilities . Nearly all elder care services are tax deductible , but whether you are eligible to take that deduction depends on many factors , including who pays for the service , where the elder parent lives and whether she is your dependent . If you ' re eligible to take the tax break , you can choose to claim elder care either as a medical expense or as dependent care . Dependent Parent If your mother is your dependent , you are eligible to deduct elder care as either medical expenses or dependent care , subject to IRS rules on the nature of the care . To have your mother qualify as your dependent , your must pay at least half of your mother ' s support , whether she lives with you or in a separate home , which can be a nursing or assisted - care facility . Her taxable income must be below $ 3,800 . Social Security does not count as taxable income , although it does count as Dependent Care Credit If your mother lives with you and is physically or mentally unable to care for herself , you can claim any elder care expenses paid so that you - - and if you are married , your spouse - - can work or attend school . Even if your mother earns too much to qualify as your " dependent , " if you pay more than half of her living expenses you can take the credit . You can claim up to $ 3,000 of your expenses , but the amount of the credit is based on a percentage of Medical Expenses Deduction If your mother is your dependent , you can claim any medical expenses that you paid for her that were not reimbursed by insurance , including any elder care expenses . This allows you to deduct a wider range of expenses , including long - term care and nursing services . There is no limit to the amount of medical expenses you can deduct , but as of 2012 , only the amount over 7.5 percent of your AGI is deductible . Beginning in 2013 , you are limited to deducting only the amount greater than 10 percent of your How to File For a dependent parent , you can claim elder care along with your own medical expenses on Schedule A of Form 1040 . You have to itemize your deductions to qualify . You must file Form 2441 to take the dependent care credit . Video of the Day References ( 3 ) Photo Credits hospital nurse sit image by Pavel Losevsky from Fotolia . com About the Author Naomi Smith has been writing full - time since 2009 , following a career in finance . Her fiction has been published by Loose Id and Dreamspinner Press , among others . She holds a Master of Science in financial economics from the London School of Economics and a Bachelor of Arts in political economy from the University of California , Berkeley . | [
"Elder care",
"Tax Return"
] |
http://finance.zacks.com/can-definedcontribution-pension-plan-rolled-over-ira-5395.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information 401ks & IRAs Can a Defined - Contribution Pension Plan Be Rolled Over Into an IRA ? By : Tiffany C . Wright You , and often your company , contributes to your pension . More Articles 1 . How Much Tax Do You Pay on a Cashed Out 403 ( b ) ? 2 . Can Nonqualified Plan Proceeds Be Rolled to an IRA ? 3 . Can I Combine a SEP IRA & 401 ( k ) ? At most U.S. corporations , defined - contribution pension plans have largely replaced the traditional defined - benefit pension plans . Defined - benefit plans define the actual benefit you receive and pay out a specific dollar amount per month in retirement . Defined - contribution plans define the actual contribution you make and your employer . The amount paid out in retirement depends on how much you invested and how well your investment performed over time . Although some employees crave the traditional pension plans of the past , defined contribution plans offer some significant benefits , including the Defined - Contribution Plans Most large corporate and government employer plans are governed by the Employee Retirement Income Security Act , or ERISA . ERISA - covered defined - contribution plans include 401 ( k ) s , 403 ( b ) s and 457 ( b ) s . Smaller companies provide plans governed by Internal Revenue Service statutes . These plans include Keoghs , Simplified Employee Plans , or SEP - IRAs , and Savings Incentive Match Plan for Employees , or SIMPLE , IRAs . Most of the ERISA plans allow you to contribute pre - tax funds , reducing your Rollover One key benefit of defined - contribution plans is portability . This means when you retire or resign from employment with your current company , you can transfer your assets to a new employer โ s plan . Or you can transfer those assets to an IRA . The IRS definition of a roll over is a โ tax - free distribution to you of cash or other assets from one retirement plan that you contribute to another retirement plan . โ Rollover Contribution Limit All ERISA - qualified defined - contribution plans are eligible to roll over into an IRA . No contribution limits exist on the amounts rolled over from a qualified ERISA defined - contribution plan to an IRA . You can roll over all or a portion of the assets in your account . For example , if your 403 ( b ) has $ 2.5 million in assets , you can roll over the entire $ 2.5 million into your IRA . Alternatively , you can roll over $ 1.5 million to your IRA and retain the remaining $ 1 Separation The Pension Protection Act allows you to roll over assets from different plans into the same IRA . However , if you wish to transfer out your retirement assets from your IRA when you join another company , it may be best not to commingle funds from two different plan types . This means it may be best to have a separate IRA for 403 ( b ) rollovers and a separate one for 401 ( k ) rollovers . Video of the Day References ( 1 ) Photo Credits About the Author Tiffany C . Wright has been writing since 2007 . She is a business owner , interim CEO and author of " Solving the Capital Equation : Financing Solutions for Small Businesses . " Wright has helped companies obtain more than $ 31 million in financing . She holds a master ' s degree in finance and entrepreneurial management from the Wharton School of the University of Pennsylvania . | [
"Pension Plan",
"Defined-Contribution Plans",
"IRA"
] |
http://finance.zacks.com/can-husband-spouse-deduct-ira-joint-tax-return-2342.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information 401ks & IRAs Can Both the Husband & Spouse Deduct an IRA on Their Joint Tax Return ? By : Mark Kennan You can deduct IRA contributions with Form 1040 or 1040A . More Articles 1 . Can a Nonworking Spouse Have an IRA ? 2 . Married IRA Contribution Questions 3 . Rules for IRA Contribution for Married Filing Jointly Individual retirement arrangements are truly personal , meaning that each spouse keeps a separate IRA . This means married couples can double their annual savings by maximizing each spouse ' s IRA contribution . If both spouses qualify , both spouses can deduct their personal IRA contributions on the same tax return . Deduction Qualifications Not everyone qualifies to deduct their contributions to a traditional IRA . If neither the husband nor the wife participates in a employer - sponsored plan , both spouses can deduct their full contribution . However , if either spouse does participate , contributions are deductible only if the joint income falls below the annual limits . The limits are higher for the spouse that is not covered . For example , if the husband participates and the wife does n ' t , the wife might be able to deduct her traditional IRA contributions when the husband can not Contribution Limits Typically , no one can contribute more than the annual contribution limit or their compensation for the year , whichever is smaller . For example , if a person does n ' t work during the year , that person usually ca n ' t contribute . However , the IRS makes an exception when a married couples files a joint return . The total compensation for the couple is combined and either spouse can use it to contribute . For example , if the annual contribution limit is $ 5,000 and one spouse makes $ 10,000 or more , Joint Return Required A non - working spouse can take advantage of using the other spouse ' s compensation to qualify to deduct an IRA contribution only if the couple files a joint return . If the couple files separate returns , each spouse must have separate compensation during the year to qualify to contribute . For example , if the husband does not work but the wife does , if they file a joint return , the husband can rely on the wife ' s compensation to qualify . However , if they file separate returns , the husband does n ' Tax Reporting The deduction for contributions to a traditional IRA by both a husband and a wife is reported together as the IRA deduction . You can use either Form 1040 or Form 1040A , but not Form 1040EZ . The deduction goes on the line entitled " IRA Deduction . " For example , if the husband contributes $ 4,000 and the wife contributes $ 4,000 , report an $ 8,000 IRA deduction . You can claim the deduction without having to itemize and give up the standard deduction . Video of the Day References ( 2 ) Photo Credits tax forms image by Chad McDermott from Fotolia . com About the Author Based in the Kansas City area , Mike specializes in personal finance and business topics . He has been writing since 2009 and has been published by " Quicken , " " TurboTax , " and " The Motley Fool . " | [
"Tax Return",
"IRA",
"Retirement Planning"
] |
http://finance.zacks.com/claim-hardship-cashing-out-401k-2501.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information 401ks & IRAs How to Claim Hardship for Cashing Out My 401 ( k ) By : Mark Kennan Not all financial hardships exempt your withdrawal from the 10 percent additional tax . More Articles 1 . How to File Taxes on a 401 ( k ) Early Withdrawal 2 . How to Get My Money if I Want to Cancel My 401 ( k ) 3 . Do I Need a 1099 - R Form After Using My IRA to Buy a House ? A hardship withdrawal from a 401 ( k ) plan may allow you to get money out of your account without leaving your job and before you turn 59 1 / 2 years old . However , claiming a financial hardship to get money out of your 401 ( k ) plan and having your hardship qualify you for an exemption from the early withdrawal penalty on your taxes are two different things . Hardship Withdrawal Criteria The criteria for allowing you to take a hardship withdrawal from your 401 ( k ) plan varies from plan to plan , so you have to talk to your plan administrator or consult your plan documents to know for sure . Plans may permit hardship withdrawals when you have an immediate and heavy financial need that you ca n โ t satisfy through other means . For example , plans might permit you to take a hardship withdrawal to avoid foreclosure on your home or to pay for college for your children . However , permitting these distributions is Early Withdrawal Penalty The Internal Revenue Service imposes a 10 - percent additional tax penalty on distributions taken from your 401 ( k ) plan before you turn 59 1 / 2 . The tax code does n โ t allow for a generic โ hardship โ exemption , and many hardships do not meet the criteria for penalty waiver . For example , needing money to avoid foreclosure or pay for college for your kids , while certainly hardships , do not qualify you for an exemption from the penalty . Penalty Exceptions Situations that exempt your entire distribution from the penalty include if you retired after turning 55 years old or if you suffer a permanent disability . You can also avoid the penalty on the portion of your distribution made because of a qualified domestic relations order , medical expenses exceeding a specified percentage of your adjusted gross income , or an IRS levy on your account . For example , if you have a qualified domestic relations order that requires you to pay $ 30,000 to your ex - spouse from your 401 ( k ) plan , and you Tax Reporting If you qualify for an exemption from the early withdrawal penalty on your 401 ( k ) hardship distribution , you have to report it when you file your income taxes . Typically , Form 5329 is used for calculating the penalty . However , when you qualify for an exception , you report the code for the exemption , found in the instructions for Form 5329 , on line 2 , and the amount of your distribution that is exempted from the penalty because of that exception . Video of the Day References ( 2 ) Photo Credits tax forms image by Chad McDermott from Fotolia . com About the Author Based in the Kansas City area , Mike specializes in personal finance and business topics . He has been writing since 2009 and has been published by " Quicken , " " TurboTax , " and " The Motley Fool . " | [
"Hardship for Cashing",
"401 ( k ) plan",
"Early Withdrawal Penalty"
] |
http://finance.zacks.com/difference-between-fed-call-margin-call-9060.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Investing for Beginners What Is the Difference Between Fed Call & Margin Call ? By : Karen Rogers Opening a margin account lets you leverage your trading funds . More Articles 1 . The Rules on How Many Stock Trades I Can Make Online 2 . What Is Margin Equity ? 3 . Why Wait Three Days to Sell Stock ? When you trade on margin , you have to put up only a certain percentage of your own money . The remainder comes from your broker in the form of a loan . Trading on margin lets you make more trades than if you paid for each trade from your own funds . If the market moves against your trade , your account may fall below the margin minimum . When that happens , you โ ll receive either a Fed call or a margin call instructing you to bring your account up to the required level . Federal Reserve Board Regulation T The Federal Reserve Board ( FRB ) sets the minimum margin balance you must keep in your brokerage trading account . Under FRB Regulation T , you must have at least 50 percent of the security โ s market value in your account before opening a trade . This is known as the initial margin . If your broker has a higher initial margin requirement , you must deposit the higher amount to trade on margin . You can keep cash , securities or a combination of both in your account to fulfill the margin requirement . Fed Call If you do n โ t have enough equity in your margin account to meet Regulation T requirements , you โ ll receive what โ s known as a Fed call . You must act immediately to satisfy a Fed call in one of three ways . Preferably , you โ ll deposit additional securities or cash . Selling stock already in your margin account could result in a liquidation violation . If you do n โ t meet the Fed call within the allotted time , your brokerage firm will sell the securities in your account for you . FINRA Maintenance Margin Requirement Per Financial Industry Regulatory Authority ( FINRA ) regulations , you must deposit the greater of $ 2,000 or 100 percent of the market value of the security before you open a trade . Under Regulation T , you can borrow up to 50 percent of the security โ s market value from your broker for the initial trade . After you buy the security , FINRA requires you keep at least 25 percent of the security โ s market value in your account . This is known as the maintenance margin . Your broker can set the initial and Broker Margin Call You โ ll receive a margin call from your broker if your account falls below the 25 percent FINRA minimum margin requirement . You have two business days from when you first receive the call to deposit additional cash or securities , or to sell securities in your account . If you sell securities already in your account , you wo n ' t incur a liquidation violation . If you do n โ t meet the margin call , your broker can sell your securities without your consent . Your broker can suspend trading in your account if the Video of the Day References ( 4 ) Photo Credits About the Author Based in St . Petersburg , Fla . , Karen Rogers covers the financial markets for several online publications . She received a bachelor ' s degree in business administration from the University of South Florida . | [
"Fed Call",
"Margin Call"
] |
http://finance.zacks.com/differences-between-aaa-aa-bond-rating-interest-rates-11168.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Investing for Beginners Differences Between AAA & AA Bond Rating Interest Rates By : Steve Lander Bond yields and credit qualities usually are inversely related . More Articles 1 . What Is a Junk Bond ? 2 . What Are the Differences Between 20 Year Bonds Vs . 1 Year Bonds ? 3 . Short Term Bond Vs . Long - Term Bond Rates Bond interest rates in the market , usually referred to as yields , vary based on many factors . Typically , shorter - term bonds carry lower interest rates than longer - term ones . Credit risk also factors into the equation . Although both AA - and AAA - rated bonds qualify as " investment - grade " and are relatively safe , the AAA bond , which holds the highest possible rating , will typically carry the lower rate of interest . Corporate Bonds A corporate bond is an investment by which you lend money to a company based on its promise to repay you with interest . Generally , lower - rated corporate bonds , which are issued by companies with weaker credit , trade for higher yields than higher - rated bonds , compensating investors for the risk of buying a bond with a greater risk of default . For instance , as of mid - September 2013 , a five - year AAA - rated corporate bond traded for a 1.88 percent yield , while a five - year AA - Municipal Bonds Municipal bonds are issued by local governments like cities , states , counties or local agencies . They typically carry lower interest rates than other bonds because you ' re usually able to collect the interest without having to pay taxes on it . A five - year AAA - rated municipal bond traded at a 1.44 percent in September 2013 , also lower than the AA bonds ' s 1.79 percent . Longer - term bonds had the same relationship - - 4.03 percent for a 20 - year AAA bond and 4.33 percent for a 20 - year Sovereign Bonds Sovereign bonds , which are bonds issued by foreign governments , tend to be variable for reasons above and beyond their credit ratings . For instance , according to research reported in ING ' s " Global Perspectives , " when U.S. 10 - year bonds were returning 2.6 percent , Canada ' s were returning 2.5 percent , the UK ' s returned 2.7 percent and Australia ' s returned 3.8 percent . All four countries , though , enjoy the same AAA rating . At the same time , New Zealand ' s AA bonds traded at a Ratings and Default Risks The yield differences between AA and AAA bonds are relatively slim because the risk differentials are minimal . From the period of 1970 through 2006 , no municipal bonds rated AAA by Moody ' s defaulted . Only 0.06 percent of AA - rated municipal bonds defaulted . In the Standard and Poors rating system , both categories had no defaults . In corporate bonds , both AA - and AAA - rated bonds under Moody ' s system had a 0.52 percent default rate . S&P AAA corporate bonds had a 0.6 percent default rate as opposed to a Video of the Day References ( 5 ) Photo Credits About the Author Steve Lander has been a writer since 1996 , with experience in the fields of financial services , real estate and technology . His work has appeared in trade publications such as the " Minnesota Real Estate Journal " and " Minnesota Multi - Housing Association Advocate . " Lander holds a Bachelor of Arts in political science from Columbia University . | [
"AAA-rated bonds",
"AA Bond Rating",
"Differences"
] |
http://finance.zacks.com/direct-deposit-vs-wire-transfer-5982.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Banking Direct Deposit Vs . Wire Transfer By : Shelly Morgan Wire transfers are often used by foreign workers to send money home . More Articles 1 . ACH Debit vs . Direct Deposit 2 . How to Trace a Certified Bank Check 3 . What Happens if I Ignore an Insurance Subrogation Letter for Homeowner Property Damage ? Moving money reliably from one place to another facilitates every day financial transactions . Direct deposit and wire transfer are two techniques that apply in very different circumstances . Direct deposit is often the most convenient way for you to receive regular payments from your employer or the government because money is deposited directly into your bank account . Wire transfers offer a reliable way to immediately get money to another person no matter where they are . Direct Deposit Direct deposit is the best way to solve ever having to deal with a " paycheck - in - the - washing - machine " dilemma . If you regularly receive a paycheck , Social Security or veteran ' s benefit regularly , you can have that money deposited directly into your bank account so that you do not have to handle the transaction at all . Such direct deposits must be set up in advance by providing your employer with your bank account and routing numbers . While there is no cost to you for setting up direct deposit Wire Transfer To execute a wire transfer , you present the money to a cash office , which in turn , causes a deposit to be made from its bank account directly to the recipient ' s bank account . Wire transfer is an excellent way to help someone deal with financial emergencies because the cash in available in the recipient ' s account almost instantaneously . The cash office can be a company such as Western Union or a large commercial bank such as Bank of America . Direct Deposit Limitations Direct deposit will reliably cause money to be regularly deposited into your bank account from an employer or federal agency without much effort on your part . Because it needs to be set up in advance , one or two pay periods might pass before money can be directly deposited into your account . This technique can not be used to transfer money to another person or to have money transferred to yourself in emergency circumstances . Wire Transfer Limitations Wire transfer is an excellent way to reliably and quickly get money to another person in case of an emergency . However , it can be rather expensive , as the cash office often charges any amount from $ 12 to $ 25 for this service . Smaller fees might also be imposed by the recipient ' s bank . Wire transfers are also associated with money laundering and terrorism because cash offices are not always careful in ascertaining the identify of the person sending the money . Video of the Day References ( 5 ) Photo Credits About the Author Shelly Morgan has been writing and editing for over 25 years for various medical and scientific publications . Although she began her professional career in pharmacological research , Morgan turned to patent law where she specialized in prosecuting patents for medical devices . She also writes about renal disease and hypertension for several nonprofits aimed at educating and supporting kidney patients . | [
"Direct Deposit",
"Wire Transfer",
"financial transactions"
] |
http://finance.zacks.com/figure-net-change-percentage-stocks-7523.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Investing for Beginners How to Figure Net Change Percentage for Stocks By : Stephanie Faris | Reviewed by : Ryan Cockerham , CISI Capital Markets and Corporate Finance | Updated February 05 , 2019 A net change percentage reveals the market ' s daily sentiment about a stock . More Articles 1 . How to Calculate Percentage Increase of a Stock Value 2 . Net Market Gain Definition 3 . How to Check Mutual Fund Prices Stocks fluctuate in price over time , sometimes even showing dramatic ups and downs from one day to the next . Some investors prefer to monitor these changes closely to stay on top of their investments . But even if you do n โ t watch your stocks on a daily basis , monitoring the net change percentage over time is essential to maintaining a successful portfolio . Tip The net change percentage is the percent a stock has changed in its net value . It ' s calculated using the following formula : percent increase = increase divided by original number multiplied by 100 . What Is Stock Percent Change ? Percentages can be applied to any numerical change , whether it โ s your household spending habits or the sales in your store . It โ s simply a matter of measuring the totals , noting the difference and applying a formula that helps you calculate a percentage . For investors , though , the calculation is generally a part of any published stock tally for the day , represented by either a plus or minus to let you know whether a stock โ s price is up or down . Instead of percent change , you may see the difference expressed as โ net change , โ which is the total dollar amount that it varied from one period to the next . If a stock closes at $ 5 one day and $ 5.50 the next , it had a net change of $ 0.50 per share . This information can be useful as investors look at the percentage change , since it shows them exactly how much the price actually was as it rose or fall . How to Calculate Percent Change Calculating stock percent change is fairly easy , as long as you have the information directly in front of you . You โ ll need to know the original stock price , as well as the new stock price . Subtract the smaller of those two numbers from the larger and you โ ll get the net change . The percent change formula is percent increase = increase divided by original number multiplied by 100 . So , if the net increase is $ 0.50 from an original price of $ 5 , your formula would be $ 0.50 divided by $ 5 times 100 , which would be 10 . This means your stock increased by 10 percent from its original price of $ 5 . You can also adapt this same formula if a stock has decreased in value . If you find that your stock decreased $ .50 from an original price of $ 5 , you would still use percent increase = increase divided by original number multiplied by 100 , but you would be calculating a loss rather than a gain . Calculating Stock Worth While the percent change formula is a popular method for monitoring a stock โ s performance , the price - to - earnings ratio is a great way to determine the value of a stock . To calculate P / E , you โ ll need the stock price and the earnings per share . However , in order to accurately calculate a stock โ s current value , you โ ll need to take a look at earnings statements for the most recent four quarters , which will give you what โ s known as the trailing - 12 Once you โ ve looked up the earnings per share , you โ ll need to determine a stock โ s P / E ratio . You can generally find that on one of many financial websites . At that point , you โ ll divide the P / E ratio by the earnings - per - share amount to get that stock โ s current price . Although you can find this number without a mathematical formula , it demonstrates how you can use the P / E ratio and the trailing - 12 - month earnings per share Monitoring Stock Prices You can apply the percent change formula to monitor your own stocks , but it is n โ t absolutely necessary . The same information is available online . You can download a stock market app or check an online market watch page that will give you the closing amount and net changes from one session to another . You can even look up stock market prices over a historical period . What calculations can help with is covering those areas not listed online . You may want a stock percent change for the previous month or just a couple of weeks , for instance . By totaling the overall net change for that timeframe , you can get the information you need . Tip A large net change percentage in either direction - - such as 5 percent or more - - often follows major news related to the stock . Such news might include a strong quarterly earnings report or an announcement of a merger with another company . Watch for large net change percentages in your stocks and other stocks in the same industry , and read the relevant news articles to find out information that can affect your investments . Video of the Day References ( 3 ) Resources ( 3 ) Photo Credits About the Author Stephanie Faris has written about finance for entrepreneurs and marketing firms since 2013 . She spent nearly a year as a ghostwriter for a credit card processing service and has ghostwritten about finance for numerous marketing firms and entrepreneurs . Her work has appeared on The Motley Fool , MoneyGeek , Ecommerce Insiders , GoBankingRates , and ThriveBy30 . | [
"Net Change",
"Percentage for Stocks"
] |
http://finance.zacks.com/guaranteed-insurance-rider-do-10725.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Life Insurance What Does a Guaranteed Insurance Rider Do ? By : Tim Plaehn Younger insurance buyers may benefit from a guaranteed insurance rider on a new policy . More Articles 1 . How to Avoid Being Ripped Off When Buying Health Insurance 2 . How do I Find the Expiration Date for a BCBS PPO Health Insurance Policy ? 3 . Will My Son Be Covered Under My Husband ' s Health Insurance After I Get Married ? You can add a guaranteed insurability rider to a life or disability insurance policy . The rider ensures that you will be able to buy larger amounts of insurance in the future as your need for coverage increases . Your health outlook may the deciding factor whether to include and pay for the rider on a new policy . Medical Qualification For individual policies , both life insurance and disability insurance are medically underwritten products . To buy coverage you must be in good enough health to meet the requirements set by the insurance company . If the state of your health declines or you fall prey to a serious illness , you may no longer be able to buy more insurance to increase your coverage . A guaranteed insurability rider gives you the right to add more insurance in the future even if the state of your health would make you uninsurable . Insurability Rider Features The rider allows you to purchase an additional amount of insurance at periodic dates in the future . The typical insurability rider lets you purchase insurance every three or five years on the anniversary date of your original policy . Generally , you must exercise the right within 30 or 90 days of the specified date . The last date you can exercise the rider usually occurs during the year you turn 40 . The cost of any added insurance you chose to buy would be the company ' s standard rate based on your age when you exercise your Protecting Your Future The guaranteed insurance rider allows you to buy a smaller amount of insurance when you are younger and just starting out with a job or family , and gives you the assurance that you can increase your coverage as your needs for insurance increase . This rider could be especially attractive if you have a family history of illness that would , if you came down with the same medical condition , make it difficult or impossible for you to buy more insurance . Alternate Names Individual life insurance companies may call a guaranteed insurance rider by different names . Guaranteed insurability rider is probably the most common name . Other names for the rider include guaranteed purchase option and future increase option rider . If you are a young individual considering your first life or disability insurance policy , have the agent go over the details of the rider offered by the specific insurance company . Video of the Day References ( 4 ) Photo Credits About the Author Tim Plaehn has been writing financial , investment and trading articles and blogs since 2007 . His work has appeared online at Seeking Alpha , Marketwatch . com and various other websites . Plaehn has a bachelor ' s degree in mathematics from the U.S. Air Force Academy . | [
"Life Insurance",
"insurance policy"
] |
http://finance.zacks.com/happens-credit-return-leased-car-pay-difference-9907.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Credit Scores What Happens to Your Credit if You Return a Leased Car & Pay the Difference ? By : Ciele Edwards | Reviewed by : Alicia Bodine , Certified Ramsey Solutions Master Financial Coach | Updated February 05 , 2019 Review your original lease contract for your lender ' s early termination requirements . More Articles 1 . End - of - Car - Lease Options 2 . How Much Money Do You Save Buying Out Your Own Car Lease ? 3 . Can Excess Miles on a Lease Be Written Off as a Tax Write - Off ? Maybe you have grown tired of your leased car and want a change . You do not have to begrudgingly continue driving the vehicle until your lease term expires . If you can afford to buy out your lease , you have the option to return your leased car to the dealership . Provided you pay the difference between the amount you have paid to date and the amount you owe for the remainder of the lease , your credit will not suffer when you return the vehicle . Tip Individuals who are current on their payments can return their leased vehicles early and pay off the remainder of the lease without suffering a negative impact on their credit score . Credit Impact When you make your lease payment each month , the dealership reports that payment to the credit bureaus . Your payment history with each of your creditors accounts for 35 percent of your credit score . Thus , if you decide to buy out your lease , it is crucial that you make your final payment on time . A single late payment can have a disastrous impact on your credit scores - - costing you anywhere from 90 to 110 points . Fortunately , returning a leased car early does n ' t damage your credit unless you fail Fees to Consider Do not make the mistake of assuming that you can walk away after you compensate the lender for the remaining lease payments . Depending on the terms of your contract , your lender may reserve the right to charge you a steep early termination fee in addition to other fees for cleaning the car or repairing minor damage . These fees can add up quickly . Review your lease contract and be prepared to pay additional fees before you turn in the keys . If your failure to budget for these additional fees leaves you unable to pay your lender Time Frame When you pay off your car lease in full , your lender no longer updates your credit report each month . This causes the account to age . Recently updated credit items carry more weight in the FICO scoring system than older , inactive accounts . If your lender allows it , you may turn in the car yet continue making the payment each month until the lease term expires . This not only prevents you from having to come up with a large lump - sum payment , it ensures that the positive payment history associated with your car Credit Reporting Errors No lender has an infallible credit reporting policy . If your lender makes a mistake or takes longer to process your final lump - sum payment than your previous monthly payments , your credit report could reflect an inaccurate late payment . Should this occur , it is vital that you remedy the problem immediately to prevent long - term credit damage . Fortunately , the Fair Credit Reporting Act notes that all consumers have the right to access each credit bureau ' s report free of charge once each year . After paying off your car lease , consider Video of the Day References ( 6 ) Resources ( 3 ) Photo Credits About the Author Ciele Edwards holds a Bachelor of Arts in English and has been a consumer advocate and credit specialist for more than 10 years . She currently works in the real - estate industry as a consumer credit and debt specialist . Edwards has experience working with collections , liens , judgments , bankruptcies , loans and credit law . | [
"Return a Leased Car",
"Pay the Difference",
"Credit"
] |
http://finance.zacks.com/happens-escrow-account-loan-paid-off-2307.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Mortgages What Happens to an Escrow Account When a Loan Is Paid Off ? By : Craig Woodman Escrow accounts are separate savings accounts to cover property tax and insurance on a home . More Articles 1 . Escrow Rules for Second Home Loans 2 . What Happens to the Excess Escrow Balance When Selling a House ? 3 . What Is Escrow & MI ? With mortgage loans , lenders may maintain escrow accounts , sometimes called capture accounts , to allow the accumulation of funds to pay the property taxes or insurance premiums for the property . Escrow accounts may handle private mortgage insurance as well . Typically , you make a monthly deposit into these accounts that is equal to one - twelfth of the yearly bill . This amount is added into your mortgage payment . When you pay off the mortgage under any possible scenario , it affects any escrow account connected with the loan . Final Payment If you pay off your mortgage by making the last regularly scheduled payment , or by paying off a larger balance with savings or a cash windfall , the lender will generally close the escrow accounts and refund the balance of these accounts to you . Check with your lender before paying off the mortgage , as you may be able to apply the balance of the escrow account to the loan balance at the time of payoff . Refinance If you refinance a mortgage to get a lower rate or take cash out , the closing agent pays off your old mortgage when the new mortgage is funded . Any escrow balances should be refunded to you in this process , but it can take some time for the lender to do this . If your new mortgage requires escrow accounts , you may need to fund the initial balance of these accounts with cash at closing . Sale of Mortgage Servicing If the servicing of your mortgage is sold to another loan servicer , the balance of the escrow accounts should transfer to the new servicer . Your previous servicer will probably provide you an up - to - date statement showing all of the recent escrow transactions , as well as the balance that is being transferred to the new servicer . You should watch your statement from the new servicer to make certain that the escrow balance has transferred correctly , and that escrow deposits and payments are posting correctly . Other Considerations Some lenders will let you drop the escrow accounts for taxes and insurance once you have sufficient equity in the property . Consider carefully if you wish to do this , as you will now have to come up with the money for the large property tax and insurance bill on your own . If you do not budget money well , you may wish to keep the escrow account . Video of the Day References ( 2 ) Photo Credits Sacando ahorros image by danielatanes from Fotolia . com About the Author Craig Woodman began writing professionally in 2007 . Woodman ' s articles have been published in " Professional Distributor " magazine and in various online publications . He has written extensively on automotive issues , business , personal finance and recreational vehicles . Woodman is pursuing a Bachelor of Science in finance through online education . | [
"Escrow Account",
"mortgage loan"
] |
http://finance.zacks.com/happens-maturity-date-ira-cd-2460.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information 401ks & IRAs What Happens at the Maturity Date of My IRA CD ? By : Ciaran John | Reviewed by : Ryan Cockerham , CISI Capital Markets and Corporate Finance | Updated February 05 , 2019 You preserve the tax deferred status of a CD IRA when you roll it over . More Articles 1 . Do I Have to Pay Taxes When My IRA CD Matures and I Do Not Renew It ? 2 . What Does a Matured IRA Mean ? 3 . How to Transfer IRA CD A certificate of deposit holding Individual Retirement Account money has a pre - set maturity date that might not coincide with your actual retirement . When your CD matures , you can leave the account as is , move the money , or cash it in . Each of these options presents you with certain advantages and disadvantages as well as potential tax complications . Tip When an IRA CD fully matures , you will have the option to cash in your funds , transfer them to a different account , or simply leave them in the same investment platform . Grace Period After Maturity When a bank - issued CD IRA reaches maturity , a grace period begins . This usually lasts between seven and 10 days , and you can gain access to your money or make changes to your account during this time frame . Brokerage CDs are bank or investment firm issued CDs that usually terminate upon maturity . You must hold a brokerage CD IRA within an IRA holding account . When the CD matures , the investment firm deposits the CD proceeds into the IRA holding account . Understanding CD Renewal Many bank - issued CD IRAs are automatically renewable which means a new term begins at the end of the grace period . Your interest rate changes to the current default rate when the CD renews . Many banks offer monthly specials on selected CD rates , so you might miss out on the best deals if you just allow your IRA CD to renew . Additionally , IRA CDs are often subject to bank - imposed early withdrawal penalties . If you allow a long - term CD IRA to automatically renew then you may end up paying penalties Rollover to CD or IRA When your CD IRA matures you can instruct your bank to liquidate the account and roll the proceeds into another CD or another type of IRA such as one containing a mutual fund or annuity . Under federal tax rules , you must redeposit the IRA proceeds into another tax deferred retirement account within 60 calendar days of the date of withdrawal . Account custodians typically withhold 10 percent of the account proceeds to cover income taxes , although you can instruct your custodian not to withhold any money if you plan to reinvest the money . If you fail to complete the rollover before the deadline then you must accept the money as taxable income and pay any applicable tax penalties . Liquidation and Withdrawal You can liquidate your CD IRA at maturity , take the money out of the account and report the proceeds as taxable income . Aside from paying federal and possibly state income tax on both the principal and earnings , you may have to pay a 10 percent tax penalty if you access the money before reaching the age of 59 1 / 2 . The Internal Revenue Service does not impose the penalty in some situations , such as if you become disabled . However , you ' re still liable for ordinary income tax on any money you Video of the Day References ( 2 ) Resources ( 1 ) Photo Credits tax forms image by Chad McDermott from Fotolia . com Recommended Articles IRS Rules on IRA CD Accounts What Happens if IRA Loses All Its Money ? What Is the Difference Between an IRA & a CD ? Related Articles Is Interest on an IRA CD Taxable ? The Weaknesses & Strengths of a Certificate of Deposit How to Buy a CD in an IRA Account Editor ' s Picks Can I Receive Interest Disbursements From My IRA CD ? IRA CD Vs CD Are Beneficiary Designations Part of an IRA CD ? Trending Topics Latest Most Popular More Commentary | [
"Maturity Date",
"IRA CD",
"Grace Period"
] |
http://finance.zacks.com/happens-partial-shares-reinvested-dividends-sell-1429.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Investing for Beginners What Happens to Partial Shares From Reinvested Dividends When You Sell ? By : Steven Melendez | Reviewed by : Ryan Cockerham , CISI Capital Markets and Corporate Finance | Updated February 10 , 2019 Fractions of shares add up to a lot over time . More Articles 1 . What Happens if You Sell a Dividend Paying Stock After Receiving a Dividend ? 2 . How Fractional Shares Work 3 . Can Fractional Shares Be Purchased in an ETF ? If you have n ' t dealt with them before , the idea of partial shares in a company may sound bizarre . But you can end up owning some if a company you invest in splits its stock , issues a dividend that you reinvest or goes through a merger . Nowadays , some online brokerages even let you normally buy and trade partial shares in a company . Other brokerages will only let you sell them when you sell all of your stock in that company and may charge you a fee for dealing with them . Tip Depending on the specific brokerage you are using you may be able to buy and sell partial shares as if they were normal shares . Other brokerages may add on special fees for managing partial shares . Where Partial Shares Come From It ' s common to invest in stocks with an agreement to automatically reinvest any dividends paid out by the company into more of the same stock . But there ' s no guarantee that your dividends will allow you to buy an even amount of stock . Similarly , companies will sometimes buy back a percentage of outstanding shares , or issue a stock split , replacing outstanding shares with a larger quantity of shares . Similar things can happen in a merger , if one company buys another by swapping shares of the acquired company with a certain number in the company doing the buying . If these transactions result in , say , every two of your shares being replaced by three new shares , but you own an odd number of shares , you might end up with partial , also known as fractional , shares . Companies and brokerage firms sometimes avoid this issue by issuing cash at market value instead of partial shares , in which case you ' ll likely have to pay capital gains tax as if you had sold your partial shares immediately . Trading Fractional Shares Some online brokerages actually encourage customers to deal in partial shares of stock or other investments like exchange - traded funds or cryptocurrencies such as bitcoin . This can help smaller investors still find a way to put money into stocks , funds or other investments with high prices even if they do n ' t have the funds to buy full shares . As with any investment decision , it ' s usually good to take into account the total commission you ' ll pay to buy and sell partial shares , which can sometimes make it less advantageous to make relatively small investments . Different brokerages charge different fees for different situations , so it can be worth shopping around . Some brokerages may charge you an extra fee for liquidating partial shares as opposed to whole ones , since they can be a pain to deal with and often have to be combined with other partial shares to sell . You may also not be able to transfer them to another brokerage account and may have to wait for them to be liquidated if you want to close out your account . Video of the Day References ( 3 ) Photo Credits bank statement image by torben from Fotolia . com About the Author Steven Melendez is an independent journalist with a background in technology and business . He has written for a variety of business publications including Fast Company , the Wall Street Journal , Innovation Leader and Ad Age . He was awarded the Knight Foundation scholarship to Northwestern University ' s Medill School of Journalism . | [
"Partial Shares",
"Reinvested Dividends"
] |
http://finance.zacks.com/list-closing-fees-can-claimed-taxes-1562.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Buying a Home List of Closing Fees That Can Be Claimed on Taxes By : Beverly Bird Deductible closing fees depend on whether you ' re living in the home . More Articles 1 . Tax Deduction for the Points on a Second Home Mortgage 2 . Can I Claim the Fees We Paid for Refinancing Our Mortgage ? 3 . What Can You Deduct on Your Income Tax When You Refinance Your Mortgage ? When you purchase property or refinance a mortgage , not much of what you pay in closing costs is tax deductible . You ca n ' t claim many fees on your tax return to reduce the amount of income on which you must pay taxes . There are exceptions , however , depending on whether you plan to live in the property you ' re buying . Original Mortgage Fees If you purchase a home you plan to live in , only the mortgage origination fees are deductible . Also called " points , " these fees are interest you pay to your lender in advance , and mortgage interest is tax deductible . One point is usually equal to 1 percent of the mortgage you ' re taking out . The points you pay must be comparable to those associated with other home sales in your area . You can usually deduct them in full in the tax year during which you purchase your home . Your lender will Fees Associated With Refinancing Your origination fees are also deductible if you refinance your home , but there ' s a caveat : You ca n ' t claim them - - or at least all of them - - immediately in the year you refinance . You must amortize these points over your loan term . For example , if your points amount to $ 3,000 and you ' ve taken a 30 - year loan , you can deduct only $ 100 a year for 30 years . An exception exists if you use any of the refinanced proceeds for home improvements Fees Associated with Rental Properties You ' re limited to claiming origination fees and real estate taxes when you purchase rental property , but this changes if you โ re refinancing the mortgage against your rental property . In this case , the IRS allows you to deduct a great many more fees associated with closing , including professional fees such as those paid to an attorney or appraiser , recording fees , abstract fees , title search fees and underwriting fees . You must amortize these deductions over the term of your loan unless you use the refinance proceeds to upgrade your property . Non - Deductible Fees and Exceptions If you buy a home and the seller pays the points , you might still be able to claim them . However , it could cost you in capital gains taxes later , when and if you sell your property . You must subtract these points from your home ' s cost basis , because the seller - paid points represent a " lower price " that you paid for the home . When you sell , you may then have to pay capital gains tax on the difference between your cost basis and the sales price , over certain Video of the Day References ( 6 ) Photo Credits Buying new apartment image by Fantasista from Fotolia . com About the Author Beverly Bird has been writing professionally for over 30 years . She specializes in personal finance and w , bankruptcy , and she writes as the tax expert for The Balance . | [
"Real Estate",
"Taxes",
"mortgage"
] |
http://finance.zacks.com/list-stocks-make-up-dow-30-3360.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Investing for Beginners List of Stocks That Make Up the Dow 30 By : Chirantan Basu The New York Stock Exchange is home to most of the Dow 30 stocks . More Articles 1 . Sectors of the Dow Stocks 2 . Components of the Dow Jones Financial Index 3 . How to Invest in Nuclear Power The Dow Jones Industrial Average , also known as the Dow 30 or just the Dow , is a stock market index of 30 large U.S. companies encompassing all industrial sectors except transportation and utilities . These companies have diversified product lines and global operations . This index is calculated and reported continuously during regular market trading sessions . The Dow sets the tone for major stock markets around the world . Consumer Companies in the consumer sector provide durable and non - durable goods and services , mainly for individuals and households . As of August 2012 , consumer stocks made up about 24 percent of the Dow . The leading stocks include McDonald ' s , Wal - Mart , Home Depot , Procter & Gamble , Coca - Cola and Walt Disney . Industrial Industrial companies provide products and services , primarily for small and large businesses . As of August 2012 , industrial stocks made up about 21 percent of the Dow Jones Industrial Average . These stocks are 3M , Caterpillar , United Technologies , Boeing and General Electric . 3M products range from the ubiquitous Post - it notes to sealants and adhesives for automobiles and airplanes . Caterpillar is the leading manufacturer of agriculture and construction equipment and specialty vehicles . United Technologies provides construction and transportation products and services . Boeing makes airplanes , and General Electric is involved Technology Technology and telecommunications companies provide data processing and communications products and services . Companies in these sectors made up about 21 percent of the Dow as of August 2012 . International Business Machines makes computers and provides consulting services , Intel makes microprocessors that power desktop computers and mobile devices , and Microsoft provides software solutions for applications ranging from document processing to database management . The other Dow technology and telecommunications stocks are Hewlett - Packard , Cisco , AT&T and Verizon Communications . Financial Financial - sector companies provide banking , investment planning and other services . This sector constituted about 10 percent of the Dow Jones as of August 2012 . American Express provides credit card and insurance services , and Bank of America provides retail and investment banking services . JPMorgan Chase and Travelers are also part of the Dow 30 . Other Basic materials , energy and health care are the other major industries represented in the Dow Jones Industrial Average . Alcoa is a leading manufacturer of aluminum and other materials used in cars and various industrial goods . Chevron and ExxonMobil are large oil and gas producers , and Johnson & Johnson and Merck are leaders in lead pharmaceutical research and manufacturing . The remaining Dow stocks are UnitedHealth Group , Pfizer and DuPont . History The Dow Jones index is not set in stone ; companies have been added and subtracted over the years . The Dow 30 started out as the Dow 12 in 1896 , but by 2012 , only General Electric from the original 12 was still a member of the Dow . Intel and Microsoft joined the Dow in November 1999 to reflect the importance of technology in the economy . UnitedHealth Group replaced food manufacturer Kraft in September 2012 because of the growing importance of health insurance . Video of the Day References ( 1 ) Resources ( 3 ) Photo Credits flag image by Valeri from Fotolia . com About the Author Based in Ottawa , Canada , Chirantan Basu has been writing since 1995 . His work has appeared in various publications and he has performed financial editing at a Wall Street firm . Basu holds a Bachelor of Engineering from Memorial University of Newfoundland , a Master of Business Administration from the University of Ottawa and holds the Canadian Investment Manager designation from the Canadian Securities Institute . | [
"Stocks",
"Dow 30"
] |
http://finance.zacks.com/ohio-residents-pay-local-tax-lotto-winnings-8290.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information General Tax Information Do Ohio Residents Have to Pay Local Tax on Lotto Winnings ? By : Jayne Thompson | Updated December 06 , 2018 Do Ohio Residents Have to Pay Local Tax on Lotto Winnings ? More Articles 1 . Income Tax on Lump - Sum Lottery Winnings 2 . What Is the Tax on Lotto Winnings in California ? 3 . How to Invest Powerball Jackpot Winnings Just as the Powerball jackpot keeps growing , so does the share the taxman will take if you ' re lucky enough to win . All lottery winnings are subject to federal income taxes and most states charge state taxes , which could range from 2.9 percent to 8.82 percent , depending on where you live . Ohio is n ' t the worst state to win the lottery in , but it is n ' t the best either . Residents can expect to hand over 4 percent of their cash pile to the state government . The state Winning Lotto Results and the IRS When you win a large sum on the lottery , the state will give you the option of taking all the money as a series of regular payments made over 30 years , or taking a slightly smaller ( though possibly still enormous ) one - time lump sum check . Whichever method you choose , anything above $ 600 is subject to federal income taxes . You pay the taxes in the year you receive the payment . Your final tax bill will vary depending on your personal situation . Generally , you can expect a big win to push you into the top tax bracket , which is 37 percent in 2018 . An annual annuity payment of , say $ 150,000 per year , would be taxed at the much lower rate of 24 percent if you file single and 22 percent if you ' re married filing joint . But the annuity payout may still push you into a higher federal tax bracket than you are usually in . And these rates do not include Ohio ' s Slice of Classic Lotto Payout After federal taxes are deducted , there are state taxes to think about . These vary based on where you buy the winning ticket . Purchase the ticket in Ohio , and you will pay 4 percent of the winnings in state taxes . While slightly less painful than the federal tax bill , you ' d still be losing $ 400,000 in Ohio state taxes on a $ 10 million lottery win โ together , the federal and state tax bill would slice 41 percent off your lotto check . The rate is the same regardless of whether you Winners in other states could walk away with a much bigger share of the jackpot . Nine states , along with Puerto Rico , do n ' t charge any state taxes on lottery winnings : Florida , California , New Hampshire , Delaware , South Dakota , Texas , Washington , Tennessee and Wyoming . The worst states to win the lottery in are New York and Maryland , with state tax rates of 8.82 percent and 8.75 percent respectively . Local Taxes on Lotto Results The state of Ohio also permits municipalities , such as cities or counties , to tax lottery winnings , although not all of them do . The cities of Dayton , Akron and Chillicothe have all chosen to tax lottery winnings , for example , with municipal tax rates typically sitting in the region of 2.25 to 2.5 percent . In order for municipalities to collect the tax , they must specifically declare that lottery winnings are taxable income in their city charters . You should check with the city to see if lottery winnings are taxed and take care of any reporting requirements . Federal and State Tax Withholding Win $ 10 million on the lottery , and it ' s likely that your publicity - friendly cardboard check will be made out for the sweet sum of $ 10 million . But the actual paper check โ the one your bank will accept โ will show a smaller figure . That ' s because the state must deduct 25 percent of the headline win for federal tax withholding . Strike it rich to the tune of $ 10 million , and you ' ll receive a check for ( only ) $ 7.5 million on account of the Ohio state revenue collectors will also withhold their 4 percent cut . When combined with the federal tax withholding , that reduces the cardboard check by a total of $ 2.9 million . The withholding is passed to the IRS and the Ohio state tax department respectively and credited toward your final tax bill . When tax time rolls around , you ' ll have to pay the rest of the taxes you owe . Here ' s something else to watch out for โ the lottery will get in touch with child support and other agencies to make sure you do n ' t owe child support , student loans or back taxes before writing your check . If you do , those debts will automatically be subtracted from your win before you receive your check . Moving Out of State For lottery tax purposes , it does n ' t matter which state you live in . State taxes are based on where the lottery ticket was purchased , not where you reside . If you buy the winning ticket in Ohio , you have to file an Ohio state tax return and pay Ohio ' s 4 percent lottery taxes on the payout irrespective of where you live . Moving out of state does not reduce your tax liability . Ohio Classic Lotto Gift Tax If you give away more than $ 15,000 to anyone other than your spouse in the same calendar year , you ' ll need to file IRS Form 709 every time you make a gift . This form acts as a disclosure to the IRS and allows the tax authorities to monitor how much money you ' re giving away over your lifetime . Currently , you ' re allowed to transfer property up to $ 11.18 million either during lifetime or at death without paying any federal gift taxes . Whenever you report a gift , the gift amount is applied against your exemption . It ' s only when gifts exceed the exclusion sum of $ 11.18 million that taxes accrue . What this means is that any amount you gift during your lifetime will reduce the amount available at death for tax - free transfer . Suppose , for example , that you generously give away $ 5 million of your big lottery win to friends and relatives . The remaining exemption that your estate could claim at death would be $ 6.18 million ( $ 11.18 million exemption less the $ 5 million lifetime gift ) . If your estate is larger than that , the excess will be subject to a flat estate tax rate of 40 percent . Some states impose gift and inheritance taxes but Ohio does not . This means that Ohio residents do n ' t have to worry about making gift transfers during their lifetimes , although federal gift and estate taxes still apply . Lottery Tax Nonpayment Tax avoidance is a federal crime and obviously you do n ' t want to go down that path . There may be some tax breaks available to people who make large donations to charity , and their final tax bill may look quite different to someone who blows the money on cars , boats and lavish vacations . If you ' re planning to share your winnings , you may be able to avoid gift and estate taxes by legally sharing the ownership of the ticket . Signing an agreement that makes all the intended recipients legal co - owners of the ticket means the winnings will be taxed as if each recipient owned the money as part of their income rather than a gift for those co - owners . Since it ' s the donor and not the recipient who pays gift taxes , this could save you a lot of money . If you win big , it ' s critical that you find some professional tax advice for help on how to reduce the tax blow . The rules are complex and you could lose out if you try to navigate them on your own . Video of the Day References ( 10 ) About the Author Jayne Thompson earned an LLB in Law and Business Administration from the University of Birmingham and an LLM in International Law from the University of East London . She practiced in various โ big law โ firms before launching a career as a commercial writer . Her work has appeared on numerous financial blogs including Wealth Soup and Synchrony . Find her at www . whiterosecopywriting . com . | [
"Local Tax",
"Lotto Winnings"
] |
http://finance.zacks.com/pay-taxes-403b-plan-5276.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information General Retirement Planning Do I Pay Taxes on the 403B Plan ? By : Amanda McMullen More Articles 1 . Is a 403 ( b ) a Pretax or Post - Tax Deduction ? 2 . Different Contributory Retirement Plans 3 . Comparison & Contrast of 401 ( k ) , 403 ( b ) and 457 ( b ) A 403 ( b ) plan is a retirement account available only to some ministers , employees of qualifying tax - exempt organizations and employees of public schools . An account holder can contribute to the plan , or employers can contribute on behalf of the account holder . Most contributions to 403 ( b ) plans are exempt from income taxes . About Contributions Because contributions to 403 ( b ) plans are typically tax - free , employers may exclude them from the income reported on your W - 2 . If not , you can deduct contributions from your taxable income when you file your return . You can make contributions to your 403 ( b ) account directly from your income , or your employer can make them for you as an elective deferral , which requires a reduced - salary agreement . The Internal Revenue Service limits the amount of money you can contribute to a 403 ( b ) Contribution Limits If you exceed the limit for tax - free contributions during the year , you may owe income tax on the excess amount . As of 2012 , the maximum amount of tax - free contributions that you can make in the form of elective deferrals is $ 17,000 . The maximum amount of all contributions you can make to a 403 ( b ) plan is $ 50,000 or 100 percent of your taxable income , whichever is smaller . Taxes on Withdrawals When you withdraw funds from your 403 ( b ) account , you will owe income tax on the amount you receive . You can not withdraw funds from a 403 ( b ) account until you reach age 59 1 / 2 or stop working . If you withdraw funds early , you will owe a 10 percent penalty in addition to income tax . At age 70 1 / 2 , you must take a minimum required distribution . If you fail to do so , you will owe a 50 percent excise tax on the difference between Considerations Though you wo n ' t pay income tax on contributions to a 403 ( b ) retirement plan , you must still pay Social Security and Medicare taxes . Your employer will also pay unemployment tax and the employer ' s share of Social Security and Medicare taxes on these wages . Some plans allow you to make after - tax contributions to your account in addition to your pre - tax contributions . In such cases , you will pay income tax on the after - tax contributions you make . Video of the Day References ( 2 ) About the Author Amanda McMullen is a freelancer who has been writing professionally since 2010 . She holds a bachelor ' s degree in mathematics and statistics and a second bachelor ' s degree in integrated mathematics education . | [
"Finance",
"General Retirement Planning",
"Taxes"
] |
http://finance.zacks.com/penalties-removing-funds-tsp-1590.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information 401k The Penalties for Removing Funds From a TSP By : Jane Meggitt More Articles 1 . How to Avoid IRS Tax Penalties for a 401 ( k ) Early Withdrawal 2 . Can I Leave My Money in My Thrift Savings When I Retire ? 3 . What Type of Retirement Accounts Can You Borrow From ? If you remove funds from your Thrift Savings Plan before age 59 1 / 2 , be prepared for penalties . Because a TSP is a defined - contribution plan , not only do early withdrawals incur penalties , they also reduce the amount of money available in retirement . TSP regulations prohibit repayment after money is removed . You can move TSP funds to another qualified retirement plan without penalty if done within a specified period . In - Service Withdrawals If you withdraw money from your TSP account because of hardship , you must pay income taxes on the withdrawal . The Internal Revenue Service charges a 10 percent early - withdrawal tax penalty on such removals from TSPs , as it does with earlky withdrawals from other tax - deferred qualified retirement accounts . If you withdraw money for financial hardship reasons , you can not make additional TSP contributions for six months . You also lose matching contributions from your agency for that period . TSP Loan To avoid tax penalties on a TSP early withdrawal , consider taking out a TSP loan . Although the IRS considers a TSP loan taxable income and you must pay taxes on the amount , you can repay the loan , with interest . The repayments are done through payroll deductions . If choosing this method rather than a withdrawal , you avoid the 10 percent IRS early - withdrawal penalty , and the amount of the loan is restored to your account . The TSP offers general loans for any purpose and without documentation . It also offers residential Age - Based Withdrawals If you reach age 59 1 / 2 , you can make an age - based withdrawal without an IRS penalty . But you are limited to one such withdrawal while still serving in the military or employed in federal service . This withdrawal is subject to federal and state income tax . To avoid taxes , you can roll over the withdrawal into a qualified retirement plan . Those plans ' rules on further withdrawals might differ from TSP regulations . Rollovers When you move money from your TSP into your individual retirement account or your new employer ' s 401k , the transfer is called a rollover . To avoid the 10 percent IRS tax penalty on the money when you move it , and to avoid current income tax on the amount , you must complete the rollover within 60 days . You can ask the TSP administrator to roll over the money directly into your IRA or 401k . You can instead have the funds sent to you and do the rollover yourself . However , if the money Video of the Day References ( 6 ) About the Author A graduate of New York University , Jane Meggitt ' s work has appeared in dozens of publications , including PocketSense , Financial Advisor , Sapling , nj . com and The Nest . | [
"TSP",
"Removing Funds",
"Penalties"
] |
http://finance.zacks.com/pensions-taxable-illinois-7441.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information General Tax Information Are Pensions Taxable in Illinois ? By : Herb Kirchhoff | Reviewed by : Ryan Cockerham , CISI Capital Markets and Corporate Finance | Updated March 11 , 2019 Illinois exempts all retirement income from state income tax . More Articles 1 . Does Illinois Require You to Pay State Taxes on an IRA Withdrawal ? 2 . Do You Pay Taxes on Pensions From the State You Retired In or the State You ' re Living In ? 3 . Do You Have to Pay Federal & State Tax on SS Retirement Benefits ? The federal government taxes most sources of retirement income , including pension benefits , but the states take a variety of approaches to taxing retirement income . Some states tax any retirement income that the federal government taxes . Others exempt certain types of retirement income , such as Social Security , and tax the rest . Still , others exempt all retirement income from state taxation , including Illinois . Tip Illinois is one of the states that does not tax retirement income . Does Illinois Tax Retirement Income ? Illinois is among the states that exempt all types of retirement income from state income taxes . For instance , the state does not tax distributions from defined - benefit pension plans , 401 ( k ) accounts , IRAs , self - employed retirement savings , government employee pensions , military pensions , railroad retirement benefits , lump - sum distributions of retirement benefits , deferred compensation paid at retirement by a government employer or the federally taxable portion of Social Security benefits . Illinois also exempts from state tax early distributions you take from an IRA or 401 ( k ) plan . It bases its state income tax on your federal adjusted gross income , which includes federally taxable retirement income . Deducting Pensions and Retirement Plans When you fill out your state income tax return , you subtract distributions from pensions and other retirement plans from your federal AGI . Subtract from your AGI the pension benefits and 401 ( k ) distributions reported on Form 1040 line 16b or Form 1040A line 12b . Subtract the Social Security and Railroad Retirement benefits reported on line 20b of Form 1040 or line 14b of Form 1040A . Subtract distributions from IRAs or self - employed retirement plans reported on line 15b of Form 1040 or line 11b of Form 1040A . You subtract government pension and retirement plan distributions , government retirement disability payments , state or local government deferred compensation plans and group term life insurance premiums paid by a qualified retirement plan , but reported as wages . These items generally are included on line 7 of Forms 1040 and 1040A . You also subtract capital gains on employer securities distributed to you at retirement and reported on line 13 of Form 1040 , and retirement payments to retired business partners reported on line 17 of Form 1040 . Illinois Pension Tax Exceptions A couple of retirement - related income sources are taxable by Illinois . You ca n โ t subtract unused sick time paid to you at retirement . If you receive deferred compensation and disability payments from a private - sector employer at retirement , that money is taxable . Pensions Under 2019 Taxes Although Illinois does n ' t tax pensions , the federal government does , so it ' s important to pay close attention to the changes in tax laws that may affect your amount due . The updated tax tables could mean that the net amount you receive in your pension checks changes moving forward . You can change your withholding amount , but it ' s important to check with a financial adviser or tax preparer to make sure you ' re having enough taken out to avoid penalties at tax time . It ' s also important to Visit IRS . gov / forms and search for Publication 575 ( Pension and Annuity Income ) to find a detailed listing of different types of pensions and annuity income and their tax implications . Filing Your 2018 Taxes If you earned a pension in 2018 , you ' ll need to fill out Form IL - 1040 and subtract your pension - based income from your total earned income . This will keep your pension out of your total taxable income while still ensuring you ' re compliant with tax laws . The IRS recommends that all retirees with pension income perform a " paycheck checkup " because of 2018 changes to tax law . Visit IRS . gov and type in " tax withholding calculator " to access the IRS online tool that helps you calculate your withholding amount . Video of the Day References ( 6 ) Photo Credits About the Author Herb Kirchhoff has more than three decades of hands - on experience as an avid garden hobbyist and home handyman . Since retiring from the news business in 2008 , Kirchhoff takes care of a 12 - acre rural Michigan lakefront property and applies his experience to his vegetable and flower gardens and home repair and renovation projects . | [
"Pensions",
"Taxable in Illinois"
] |
http://finance.zacks.com/report-sale-stock-call-options-6127.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Capital Gains Tax How to Report the Sale of Stock Call Options By : Karen Rogers Use Form 8949 and Schedule D to report call option sales . More Articles 1 . How to Report Options on Schedule D 2 . How to Enter Option Trade Information on a Schedule D 3 . How to Fill Out Line 3 on Tax Schedule D Form When you trade call options , the sale must be reported to the Internal Revenue Service . Unlike the way they do with stock trades , brokerage firms do not send you a Form 1099 reporting the basis of every option trade . Instead , you must use your brokerage statements to match up each individual option trade . Because most call options expire in less than a year , you report them on Form 8949 and Schedule D as short - term capital gains or losses . Start with Form 8949 , Part I , Short - Term Capital Gains and Losses . Check Box C since you did not receive a Form 1099 . On Line 1 , Column A , Description of Property , enter the name of the company or its symbol , and after that write " call options " and the number of call options you sold . Skip Column B and move to Column C , Date Acquired . Enter the date you purchased the call option , in month , day and year format . In Column D , Date Move to Column E , Sales Price , and enter the sale amount reported on your brokerage statement . If the option expired worthless , write " expired " in the column . Now take the amount you paid for the call option as reported on your brokerage statement and enter that figure in Column F . Skip Column G . Use the same procedure to report each call option that you sold . When finished , add up Columns E and F and enter those totals on Line 2 , Columns E and F . Take the amounts on Form 8949 , Line 2 , Columns E and F , and transfer them to Schedule D , Line 3 , Columns E and F . Skip Column G . Move to Column H , Gain or Loss , and subtract Column E from Column F . Enter the gain or loss in Column G . Finish completing the Schedule D , and transfer the final amount to Form 1040 , Line 13 . Items you will need Monthly brokerage statements IRS Schedule D IRS Form 8949 Tip Keep a ledger of each option trade and compare it with your monthly brokerage statement to keep accurate records of your transactions . LEAPS , or long - term equity anticipation securities , are options that are normally held one year or longer and are reported as long - term capital gains or losses . Warning If you sell a covered call and the call is exercised , the amount you receive becomes part of the stock transactions gain or loss . Video of the Day References ( 3 ) Photo Credits About the Author Based in St . Petersburg , Fla . , Karen Rogers covers the financial markets for several online publications . She received a bachelor ' s degree in business administration from the University of South Florida . | [
"Stock Call Options",
"Internal Revenue Service"
] |
http://finance.zacks.com/stock-market-crash-occur-3076.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Investing for Beginners How Does a Stock Market Crash Occur ? By : Steven Melendez | Reviewed by : Ashley Donohoe , MBA | Updated March 13 , 2019 How Does a Stock Market Crash Occur ? More Articles 1 . NYSE Stock Market 500 Point Drop Rules 2 . Stock Market Points Vs . Percent 3 . What Happens When Bonds Drop ? A stock market crash occurs when shareholders look to dump their holdings of stock , shifting prices down . It can be bad for investors that hold stock , although there are ways to make money from a crash if you can predict it in advance . A market crash can happen for a variety of reasons , including bad economic news , other bad news such as war or a terrorist attack or simply a general sense that the economy is overinflated . Tip When stock prices go down as shareholders dump their stock holdings , this can lead to a stock market crash . Causes include an overinflated economy , disasters and other bad news events . Understanding Stock Market Terminology A stock market crash is a large and generally rapid decline in stock market prices . There is n ' t a formal definition of a stock market crash , but it ' s generally understood to mean that prices of stocks in the major indexes , like the Dow Jones Industrial Average or S&P 500 , drop by double - digit percentage points in a matter of days or weeks . A stock market correction is a term often used in connection with crashes . It has a more formal definition : It ' s a drop of at least 10 percent in the price of a stock or index off its most recent peak price point . Similarly , a bear market refers to a drop of at least 20 percent off peak prices . The opposite of a bear market is a bull market , where prices of a stock or set of stocks rise at least 20 percent off a recent low . Distinguishing Depressions and Recessions A market crash is often associated with the possibility of an economic recession , but recessions are n ' t directly related to the stock market . A recession in the United States usually means at least two significant quarters with declining gross domestic product . A depression is a particularly bad recession , but there ' s not a standard definition for when a recession is or is not a depression . Many economists consider the last U.S. depression to be the Great Depression of the 1930s . The 1929 Market Crash The most famous market crash in U.S. history was probably the crash of 1929 , culminating in a steep drop on Oct . 29 , 1929 , known as Black Tuesday . The stock market lost billions of dollars in value , and the stock price drops impacted not only individual investors but also companies and even banks that had invested in the market . That , in turn , cost some people their savings or their jobs . Prior to the crash , the prices were growing rapidly , and some considered them to be a sort of over - inflated asset bubble . There were also some struggles within the agricultural sector , although they were relatively minor compared to what would come with the Dust Bowl of the 1930s . Many investors had also bought stocks on margin , using borrowed money to do so and had little room for error if the market fell . Once the stock market began to stumble , press coverage and investor panic helped it plummet further and also led Under the New Deal , President Franklin Delano Roosevelt ' s reform program of the 1930s , bank deposit insurance was created through the Federal Deposit Insurance Corp . to protect depositors in case of bank failures and the Securities and Exchange Commission was created to regulate the markets . The 1973 - 1974 Market Crash Another well - known market crash came in the 1970s , leading into what at the time was the worst bear market since the 1930s . Beginning in October 1973 , the Dow Jones Industrial Average fell some 21 percent in about six weeks . The causes included inflation , which President Richard Nixon struggled to keep in check through a series of wage and price control programs , and anxiety over tensions in the Middle East around the Yom Kippur War between Israel and its Arab neighbors . When several Arab countries launched an embargo banning oil exports to the United States , fuel shortages swept the nation , heightening investor anxiety . Nixon ' s troubled presidency did n ' t help matters , and the market continued to fall in 1974 even after he resigned , letting Vice President Gerald Ford come into office . The Dot - Com Bubble Burst During the late 1990s , investors recognizing the value of the nascent World Wide Web bid up the prices of the stocks of many early internet companies , leading the tech - heavy Nasdaq index to rise from 1,000 to 5,000 between 1995 and 2000 alone . Unfortunately , many of these so - called dot - com companies failed to reach profitability . Some were betting on technology that was still too slow or unreliable to find commercial acceptance , some failed to reach critical mass on an internet that was still relatively small compared to today , and others had unique issues of their own . Around March 2000 , investors recognizing issues with market fundamentals began to sell off the stock of tech companies big and small , leading to panic stock market sales that soon took the market down 10 percent . The bubble burst pulled down a number of high - flying dot - com companies , although the tech sector would later rise again as companies such as Apple , Amazon , Google and Facebook proved important to the economy . The Sept . 11 Market Crash Shortly after the dot - com bubble burst , the stock market was brought down again by surprise news of a different sort : the Sept . 11 , 2001 , terrorist attack on the World Trade Center and the Pentagon . Markets remained closed for several days following the attack , and when they reopened , prices quickly began to drop , bringing the Dow Jones Industrial Average down more than 14 percent in the first week of trading . Airline stocks and stocks of insurers were particularly badly hit as investors anticipated passengers would shy away from flying and that insurance companies would see terror - related claims rise . Stocks of some companies , such as defense contractors and telecommunications companies , rose . The 2008 Financial Crisis In the early to mid - 2000s , investors began to sound the alarm that banks and mortgage companies had issued large loans to homeowners who could n ' t continue to make payments on them , risking sending their properties into foreclosure and costing investors big money . By late 2008 , these predictions began to come true , bringing down big financial institutions like Lehman Brothers , Bear Stearns and lender Washington Mutual and sending the stock market plummeting . The SEC even instituted a temporary restriction on short - selling financial companies , the process where investors borrow a stock , sell it an anticipate buying it back for a lower price to sell to the original owner . Understanding Flash Crashes There have been several events in the last 20 years referred to as flash crashes . This term is generally used to refer to a situation where automated trading software detects abnormal drops in stock prices and quickly begins to dump stock to avoid racking up steep losses By automatically dumping stocks , the algorithms essentially create a self - fulfilling prophecy . This has led stock exchanges to put in provisions known as circuit breakers , designed to automatically halt trading in stocks when they block more than a particular percentage in a certain period of time . Profiting from Crashes If you correctly anticipate that a stock or the market at large is going to fall , you can make money . If you own stock that is up from the price you bought it , you can sell it for a gain . You can also sell stock short , though keep in mind that you may end up having to buy it back at a higher price if your guess about the market ' s direction is wrong . Talk to your brokerage if you ' re interested in selling stock short . You can also make a similar bet on a stock ' s price drop by selling call options , which allow someone to call for delivery of the stock at a specified price at a specified date . If the stock falls below the specified value , called the stock price , the option wo n ' t get utilized and you essentially get free money . Of course , if the price rises , you will be on the hook for delivering the stock at the lower price , meaning you lose money . Video of the Day References ( 12 ) Resources ( 4 ) About the Author Steven Melendez is an independent journalist with a background in technology and business . He has written for a variety of business publications including Fast Company , the Wall Street Journal , Innovation Leader and Ad Age . He was awarded the Knight Foundation scholarship to Northwestern University ' s Medill School of Journalism . | [
"Stock Market",
"crash",
"Factors"
] |
http://finance.zacks.com/stock-prices-drop-2152.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Investing for Beginners Why Do Stock Prices Drop ? By : Chirantan Basu Stock prices reflect fundamentals over time . More Articles 1 . What Factors Determine the Price of Stocks ? 2 . Four Types of Risks Posed in Investing 3 . What Influences the Stock Market ? Stock prices typically rise and fall with investor demand . Most investors buy shares in companies that have healthy balance sheets and strong market positions relative to the competition . Although short - term price drops are often due to day - to - day market volatility , companies that can not meet profit estimates or face declining revenues due to competitive pressures usually experience long - term share price declines . Weak Fundamentals Weak business fundamentals , such as falling revenues and profit margins , typically lead to share price declines . Declining revenues could be the result of several factors , such as losing major customers to competitors , obsolete products and distribution channel problems . Profit margins decline because of falling revenues , rising expenses or a combination of the two . Falling revenues and margins also lead to cash flow problems , which might raise questions about a company ' s ability to finance growth and pay down debt . Market Volatility Stock market volatility often leads to stock price declines across the board , even for companies with strong business fundamentals . Market downturns could be due to several reasons : changes in the economy , profit taking after strong rallies , and geopolitical events . For example , the markets regard the prospect of rising interest rates negatively because higher rates could lead to higher operating expenses , lower margins and overall economic weakness . An entire industry sector might experience stock price drops even if only one company in the sector hints at weakening fundamentals . For example , Restructuring Corporate restructuring actions can depress stock prices . For example , the stock price of a company in \ volved in a major acquisition or merger could drop because of investor concerns over share dilution and difficulties in integrating the cultures of the two companies . Stock prices could also drop if a rumored or announced merger does not materialize because the companies fail to get shareholder or regulatory approval . Companies that are downsizing operations , laying off employees and selling off assets could see stock prices suffer , at least in the short term , because of perceived Other Stock prices usually drop on the ex - dividend dates for companies that pay regular cash dividends to shareholders . This is because you are not entitled to the dividend if you buy the stock on an ex - dividend date . Stock prices also drop when trading volumes are lower than average , such as during the summer holiday periods and around major holidays . Changes in government regulation and technology standards can have an impact on corporate profits , which would result in stock price drops on at least a temporary basis . Video of the Day References ( 2 ) Resources ( 2 ) Photo Credits Graph image by Adrian Hillman from Fotolia . com About the Author Based in Ottawa , Canada , Chirantan Basu has been writing since 1995 . His work has appeared in various publications and he has performed financial editing at a Wall Street firm . Basu holds a Bachelor of Engineering from Memorial University of Newfoundland , a Master of Business Administration from the University of Ottawa and holds the Canadian Investment Manager designation from the Canadian Securities Institute . | [
"Stock Prices",
"market volatility ,"
] |
http://finance.zacks.com/tax-tips-parents-send-children-private-school-1798.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Tax & Dependents Tax Tips for Parents Who Send Children to Private School By : David Carnes Some states give tax breaks for private kindergarten expenses . More Articles 1 . How to Maximize College Tax Benefits 2 . Are Kindergarten Costs Tax Deductible or Can You Get a Tax Credit ? 3 . Deductions From Federal Income Tax for Children Attending College If you send your children to private school , you can not write off many of the extra expenses that you incur - - secondary school tuition , for example . Nevertheless , both the IRS and state governments offer tax breaks that will help defray some of your expenses . More generous tax breaks are available if your child is in college . State Tax Benefits Many state governments offer various tax benefits for educational expenses . Minnesota , for example , offers state tax breaks for textbook expenses , driver education instructor fees , all - day kindergarten fees and college tuition . Limitations apply to some of these deductions - - religious textbooks , for example , are not eligible for tax breaks . Illinois offers an education expense credit that applies to kindergarten , primary school , middle school and high school student expenses . Child Care Expenses If your child is under 13 and the private school offers before - and after - school care , you may claim the child care tax credit for your expenses , limited to a maximum of $ 3,000 per child . You can even deduct some of the cost of a private kindergarten if you pay separate fees for an educational component and a child care component . Remember that this is a credit , not a deduction - - you deduct it directly from your tax bill , not your taxable income . The Coverdell Education Savings Account If you invest in an education savings account and name a beneficiary for the account , your contributions are tax - free until you withdraw them . Even when you do withdraw the funds , they are still tax - free as long as they do n ' t exceed the qualified educational expenses of your beneficiary . You are ineligible for this program if ( as of 2012 ) your adjusted gross income equals or exceeds $ 110,000 - - or $ 220,000 if you are married and filing jointly . Although you can establish as many ESAs as Higher Education Tax Credits The American Opportunity Tax Credit , which replaced the Hope Tax Credit , offers a credit of up to $ 2,500 in tuition , books and certain other expenses if your child is enrolled at least half - time in college . The Lifetime Learning Credit offers a credit of 20 percent of the same expenses , for a maximum credit of $ 2,000 per year . The Lifetime Learning Credit can not be used by taxpayers whose modified adjusted gross income exceeds $ 61,000 per year , or $ 122,000 if you are married and filing jointly ( as Video of the Day References ( 6 ) Resources ( 1 ) Photo Credits thumbs up image by Lisa Eastman from Fotolia . com About the Author David Carnes has been a full - time writer since 1998 and has published two full - length novels . He spends much of his time in various Asian countries and is fluent in Mandarin Chinese . He earned a Juris Doctorate from the University of Kentucky College of Law . | [
"Private School",
"educational expenses",
"The Coverdell Education Savings Account"
] |
http://finance.zacks.com/there-special-insurance-need-inground-pool-besides-homeowners-insurance-6764.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Homeowners Insurance Is There a Special Insurance You Need to Have With an Inground Pool Besides Homeowners Insurance ? By : Herb Kirchhoff A backyard pool normally can be covered under your homeowner insurance . More Articles 1 . Homeowners Insurance Coverage Recommendations 2 . Types of Homeowners ' Insurance 3 . How Much More Is Homeowners Insurance When You Have a Pool ? An in - ground swimming pool can be a summer recreation center . But a pool can also be dangerous and expose the pool owner to lawsuits if someone injures himself or drowns while using the pool . A homeowner ' s insurance policy , which provides financial protection if a disaster strikes your home , normally includes some degree of liability and physical damage coverage for pools , but pool owners are wise to buy additional coverage consistent with the greater risks that come with pools . Separate Policy Unnecessary In - ground pool owners do n โ t need a separate insurance policy to cover their pool . If you install a pool , you should inform your homeowners โ insurance company and increase liability coverage limits under your homeowner policy . You also may want to increase property damage limits . Standard homeowner policies typically limit personal injury liability coverage to $ 100,000 , but pool ownership increases your liability risk , and purchasing additional liability coverage is a smart move . How Much Coverage ? The Insurance Information Institute suggests pool owners boost their liability coverage to between $ 300,000 and $ 500,000 . The amount of the rate increase for this added coverage can vary widely by company . The insurance company may require proof that your pool installation complies with local building and safety codes before providing the extra coverage . Umbrella Policy Home insurance companies commonly offer an umbrella liability policy as a supplement to your homeowner policy . These policies offer up to $ 1 million in personal liability protection for incidents at your home , including your pool , and while you are driving . The typical umbrella policy can increase your premium by $ 200 to $ 300 annually , says the Insurance Information Institute . Physical Damage Homeowner policies typically consider an in - ground pool a detached structure . Standard policies insure detached structures against physical damage with a limit of 10 percent of the coverage dollar limit on the dwelling . If the pool is damaged by an earthquake or other ground movement , hydrostatic pressure , floods or another peril excluded from your policy , your repair or replacement cost is not covered at all . If you have a major investment in your pool , you may want to spend extra money to buy additional detached - structure coverage plus supplemental coverage for Video of the Day References ( 3 ) Photo Credits About the Author Herb Kirchhoff has more than three decades of hands - on experience as an avid garden hobbyist and home handyman . Since retiring from the news business in 2008 , Kirchhoff takes care of a 12 - acre rural Michigan lakefront property and applies his experience to his vegetable and flower gardens and home repair and renovation projects . | [
"Homeowners Insurance",
"Finance"
] |
http://finance.zacks.com/wage-earnings-statement-6732.html | Skip to main content . Menu Home Stocks Stocks + Zacks # 1 Rank Zacks Rank Zacks Industry Rank Zacks Sector Rank Equity Research Markets Funds Funds + Mutual Funds ETFs Mutual Fund Screener ETF Screener Top ETFs Earnings Earnings Earnings Calendar Earnings Releases Earnings ESP Earnings ESP Filter Screening Screening Stock Screener Mutual Fund Screener ETF Screener Premium Screens Quant Monitor Research Wizard Finance Finance Personal Finance Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Portfolio Portfolio My Portfolio Create Portfolio Education Education Style Scores Earnings ESP Video Testimonial Services Services Services Overview Zacks Ultimate Zacks Investor Collection Zacks Premium Investor Services ETF Investor Home Run Investor Income Investor Stocks Under $ 10 Value Investor Top 10 Stocks Other Services Method for Trading Research Wizard Zacks Confidential Trading Services Black Box Trader Counterstrike Insider Trader Large - Cap Trader Options Trader Short List Surprise Trader TAZR Innovators Blockchain Healthcare Marijuana Technology Why Zacks ? Learn to Be a Better Investor . Join Sign In Help Insurance Investing Money Managing Real Estate Retirement Planning Tax Information Personal Money Management What Is a Wage & Earnings Statement ? By : Grace Ferguson Contact the state labor department if your employer refuses to give you a state - mandated wage statement . More Articles 1 . How to Calculate the Tax Deductions on an Hourly Pay Rate 2 . How to Determine Take - home Pay From Gross Income 3 . Deduction Impact on Net Pay A wage and earnings statement should not be confused with a W - 2 form . The former is a breakdown of your wages or earnings for the pay period , and the latter is your annual wage and tax statement . Most states require that employers give their employees a wage statement each time they are paid ; however , there are some exceptions . If you do not receive a wage statement , check to see if you are entitled to one . If you receive one , knowing how to read it helps you understand if you Consult the state labor department to see whether you should get a wage statement , if you are not receiving one . According to PrimePay , eight states do not require that employers give their employees a wage and earnings statement : Florida , Arkansas , Mississippi , Louisiana , Virginia , Nebraska , Tennessee and South Dakota . In Virginia , an employer must give an employee a wage statement only if she asks for one . Review the wage statement to ensure it includes state - mandated data . State law varies but required data may include gross wages , pay rate and work hours or salary , pay period start and end dates , paycheck deductions such as taxes and voluntary deductions , and net pay . Your employer may include additional information , such as your tax filing status and number of allowances , pretax deductions , after - tax deductions , employer - paid benefits , and year - to - date amounts for wages and deductions . Verify that your wage statement is correct . Subtract your pretax deductions or nontaxable wages from your gross wages to arrive at your taxable wages . Pretax deductions include Internal Revenue Service - qualified retirement contributions , health and life insurance , and flexible spending accounts . Nontaxable wages include IRS - approved business expense reimbursements . If you have no pretax deductions or nontaxable wages , all of your gross earnings are taxable . Subtract taxes and other applicable mandatory deductions from your taxable wages . Then deduct after - tax voluntary deductions such as health insurance and retirement Reconcile your last wage and earnings statement for the year with your annual W - 2 to ensure accuracy . If you do not have pretax deductions or nontaxable wages , the year - to - date data on your wage statement should match your W - 2 . The W - 2 shows your taxable wages ; since pretax deductions and nontaxable wages are excluded from specific taxes , they do not show up on your W - 2 . Balance your wage statement and W - 2 by adding any pretax deductions and nontaxable wages to your taxable Tip The state may set minimum guidelines for wage statement distribution . Your employer may be required to give you access to a wage statement that would consist of electronic statements or access to printed wage statements . In some states , employees who receive electronic wage statements can opt out of receiving them in that format and return to receiving paper ones . Video of the Day References ( 5 ) Resources ( 2 ) Photo Credits About the Author Grace Ferguson has been writing professionally since 2009 . With 10 years of experience in employee benefits and payroll administration , Ferguson has written extensively on topics relating to employment and finance . A research writer as well , she has been published in The Sage Encyclopedia and Mission Bell Media . | [
"Wage",
"Earnings Statement"
] |
http://financeformulas.net/Net_Present_Value.html | Net Present Value NPV Calculator ( Click Here or Scroll Down ) Net Present Value ( NPV ) is a formula used to determine the present value of an investment by the discounted sum of all cash flows received from the project . The formula for the discounted sum of all cash flows can be rewritten as When a company or investor takes on a project or investment , it is important to calculate an estimate of how profitable the project or investment will be . In the formula , the - C 0 is the initial investment , which is a negative cash flow showing that money is going out as opposed to coming in . Considering that the money going out is subtracted from the discounted sum of cash flows coming in , the net present value would need to be positive in order to be considered a valuable investment . Example of Net Present Value To provide an example of Net Present Value , consider company Shoes For You ' s who is determining whether they should invest in a new project . Shoes for You ' s will expect to invest $ 500,000 for the development of their new product . The company estimates that the first year cash flow will be $ 200,000 , the second year cash flow will be $ 300,000 , and the third year cash flow to be $ 200,000 . The expected return of 10 % is used as the discount rate . The following table provides each year ' s cash flow and the present value of each cash flow . Year Cash Flow Present Value 0 - $ 500,000 - $ 500,000 1 $ 200,000 $ 181,818.18 2 $ 300,000 $ 247,933.88 3 $ 200,000 $ 150,262.96 Net Present Value = $ 80,015.02 The net present value of this example can be shown in the formula When solving for the NPV of the formula , this new project would be estimated to be a valuable venture . Return to Top Formulas related to Net Present Value Present Value Payback Period Annuity - Present Value Equivalent Annual Annuity Discounted Payback Period Alphabetical Index : A - C D - F G - I J - L M - P Q - S T - V W - Z | [
"Net Present Value",
"investment",
"discounted sum"
] |
http://financetrain.com/factors-affecting-corporate-dividend-policy-decisions/ | Factors Affecting Corporate Dividend Policy Decisions Posted in CFA Exam CFA Exam Level 2 Corporate Finance Factors that affect a company โ s dividend policy decision include : Taxation Investors are primarily concerned with the after - tax returns of their investments . Differences in tax rates for dividends versus capital gains can materially influence an investor โ s stock investment choices . In addition , frequent dividends create frequent tax events , while capital gains taxes can be deferred until an investor decides to sell a stock . Tax systems affecting dividends can be divided into three general classes : Double Taxation System : this occurs in the U.S. , where the company pays taxes on its earnings prior to any dividend distribution and investors receiving dividends pay taxes on dividend income . Split Rate System : earnings paid as dividends are taxed at different rates from earnings retained by the company . Imputation System : companies pay corporate income taxes , but shareholders can subtract the portion of taxes paid by the company from their individual tax bills . Flotation Costs of Issuing Equity When issuing new stock , companies must pay investment banking fees . As a result of these costs , firms may hesitate to pay dividends if they anticipate financing needs for upcoming capital projects . In other words it is less expensive for a firm to reinvest its earnings , rather than pay a dividend and face the prospect if issuing new equity . Dividend Restrictions Dividend payments reduce a company โ s retained earnings , which in turn reduce equity . Companies may be constrained by debt covenants from paying dividends if shareholder equity falls below a specified level , for example . The Clientele Effect Investors face different financial situations , which lead to different attitudes toward dividends . A key difference across investors is tax status . A high tax bracket individual may not value dividends as much as a tax exempt charity . Some institutional investors , such as mutual funds , pension funds , banks , or insurance companies may only buy stocks which have a record of steady dividends , as the equity of these dividend paying companies is viewed as less risky . Investor preferences for investing in equity based on dividends is called the clientele effect . Try our courses on Data Science for Finance . JOIN FREE | [
"Corporate Dividend",
"after-tax returns",
"investments"
] |
http://financial-dictionary.thefreedictionary.com/Aggregate+Supply | aggregate supply Also found in : Acronyms Wikipedia Aggregate Supply The total supply of goods and services in an economy at a given overall price and time . Aggregate supply is tracked on an aggregate curve , which plots against price . When prices are rising , this indicates that the aggregate is inadequate to meet aggregate demand this leads businesses to expand their operations produce more goods services . In the short term , responsive price movements , but , in long term , it only increases response increased productivity Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved aggregate supply total amount of domestic services supplied by businesses government , including both consumer products capital goods . Aggregate interacts with AGGREGATE DEMAND determine EQUILIBRIUM LEVEL OF NATIONAL INCOME ( see AGGREGATE SUPPLY SCHEDULE ) . In short will tend vary with level demand for services , although two need not correspond exactly For example , could more products than are demanded difference showing up as a build - up unsold STOCKS ( unintended INVENTORY INVESTMENT ) . On other hand , could fewer than demanded difference being met by running down stocks . However , discrepancies between demand can not be very large or persist for long , generally will offer output only if they expect spending be sufficient sell all that output . Over long can increase as result increases LABOUR FORCE CAPITAL STOCK improvements labour PRODUCTIVITY See ACTUAL GROSS NATIONAL PRODUCT POTENTIAL GROSS NATIONAL PRODUCT ECONOMIC GROWTH Collins Dictionary of Economics , 4th ed . ยฉ C . Pass , B . Lowes , L . Davies 2005 Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / aggregate + supply " > aggregate supply < / a > Mentioned in aggregate demand Aggregate Demand Curve aggregate supply schedule comparative static equilibrium analysis deflationary gap Depression Domar economic growth model employment equilibrium level of national income expenditure inflation inflationary gap Keynesian economics labour force Say ' s law supply - side economics unemployment Financial browser โฒ Agent for Exporter Agent License Agent of Record Agent Reinstate Agent ' s Authority Agent ' s Balance Agent ' s Cancellation Agent ' s Qualification Laws Age - Weighted Profit - Sharing Plan Agglomeration Economies Aggregate Annual Deductible Aggregate Demand Curve aggregate demand schedule Aggregate Dollar Limit Aggregate Excess Contract aggregate exercise price Aggregate Income Aggregate Indemnity aggregate inventory Aggregate Limit Aggregate Mortality Table aggregate plan Aggregate Products Liability Limit Aggregate Stop Loss Insurance aggregate supply schedule aggregated rebate Aggregated Shipments Aggregation aggressive Aggressive Accounting aggressive growth fund Aggressive Growth Hedge Fund Aggressive growth mutual fund Aggressive Investment Strategy Aggressive Market Aggressive - growth fund Aggressively aggrieved party aging Aging schedule Agio Agiro AGO Agora Agreed Amount Clause Agreed Bid agreed boundary Agreed Upon Procedures Agreed Valuation โผ Full browser โฒ aggregate nodules aggregate nodules Aggregate Objective Function aggregate plan Aggregate Power Flux Density Aggregate Producers Association of British Columbia Aggregate Producers ' Association of Ontario Aggregate Production Planning aggregate production scheduling Aggregate Products Liability Limit Aggregate Products Liability Limits Aggregate Project Plan Aggregate Rate of Taxation aggregate recoil Aggregate remote memory copy interface Aggregate Resource Reservation Protocol Aggregate Risk Analysis Aggregate Route Ip Switching Aggregate Route - based IP Switching Aggregate Router aggregate selection criteria Aggregate Server Access Protocol Aggregate Shipments Aggregate Stop Loss Aggregate Stop Loss Insurance aggregate strength aggregate structure Aggregate Subbase Aggregate Supply - Aggregate Demand Aggregate Supply , Aggregate Demand Aggregate Supply , Short Run Aggregate Technical and Commercial aggregate type Aggregate Value Aggregate Weekly Hours Index Aggregate , Normalize , Correlate , and Respond Aggregate - based Congestion Control aggregated aggregated aggregated albumin aggregated albumin Aggregated Business Entity Aggregated carbon nanorods Aggregated Daily Standby Quantity Aggregated diamond nanorods Aggregated Distributed Generation Pilot Program aggregated follicle Aggregated Ground Air Theater Level Assessment Aggregated High Speed Service Provider Interface Aggregated Link and Node Protection aggregated lymphatic follicles aggregated lymphatic follicles of small intestine aggregated lymphatic follicles of vermiform appendix โผ | [
"Financial Dictionary",
"aggregate supply"
] |
http://financial-dictionary.thefreedictionary.com/Asymmetric+information | Asymmetric information Asymmetric information Information that is known to some people but not to other people . Copyright ยฉ 2012 , Campbell R . Harvey . All Rights Reserved . Asymmetric Information A situation in which one party a transaction has information about the transaction which the other party is not privy . Asymmetric information may result in a bad deal for one ( often but always buyer ) . To give an extreme example , seller of real estate may know that his property lined with land mines . This would ordinarily result ( steep ) drop price if buyer does know this , it not . Asymmetric as prevalent as it once was because of increased transparency and legal requirements for disclosure well better technology . Indeed , trading securities with asymmetric often illegal . See also : Insider trading moral hazard adverse selection Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / Asymmetric + information " > Asymmetric information < / a > Mentioned in asymmetry of information Capital market imperfections view Lemons problem Miller and Modigliani ' s irrelevance proposition Miller , Merton Perfect market view Signaling approach Financial browser โฒ Association of Southeast Asian Nations Association sans but lucratif assumable loan Assumable Mortgage Assumed Bond Assumed interest rate Assumed Liability Assumed Loss Ratio Assumed Shelter Cost Assumption Assumption Certificate Assumption Fee Assumption of Risk Assumption Reinsurance assumptions and limiting conditions assurance Assurance Service Assured Assurer Assuror Astedader Akabibi Asterisk ASX ASX Derivatives and Options Market Asylum Seeker Asymmetric Margining Asymmetric Payoff Asymmetric Risk Exposure Asymmetric taxes Asymmetric Threat Asymmetric volatility asymmetrical information Asymmetry asymmetry of information Asymptote Asynchronous AT At Fault At par At Par Forward Spread At Post Education At risk At Sign At the bell At the close order At the figure At the full At the market At the Money At the opening order โผ Site : Follow : Facebook Twitter Rss Mail Share : Facebook Twitter LinkedIn Mail Open / Close | [
"Asymmetric Information",
"Dictionary"
] |
http://financial-dictionary.thefreedictionary.com/Audit | Audit Also found in : Dictionary Thesaurus Medical Legal Acronyms Encyclopedia Wikipedia Related to Audit : Medical audit External Audit Quality audit Internal audit Audit An examination of a company ' s accounting records and books conducted by an outside professional in order to determine whether the company is maintaining records according to generally accepted accounting principles See : accountant ' s opinion Copyright ยฉ 2012 , Campbell R . Harvey . All Rights Reserved . 1 . The process of reviewing activities identify inefficiencies , reduce costs and otherwise achieve organizational objectives . Audits may investigate potential theft or fraud ensure compliance with applicable regulations policies . They also help ensure the accuracy reports . Audits are an essential part a company ' s efficiency . 2 . In taxation , process in which tax collection agency reviewing reports individual or company see if all income deductions and / or credits reported accurately reflect reality . This is done that each individual pays his / her / its full tax liability are conducted on random basis , when something appears remiss on tax return See also : Tax avoidance Tax evasion Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved audit An examination organization ' s financial documents order determine whether reports valid information fairly presented . independent audit usually by Certified Public Accountant who then issues opinion as statements accurately fairly represent firm ' s operations financial position . See also external audit internal audit Wall Street Words : An A to Z Guide to Investment Terms for Today ' s Investor by David L . Scott . Copyright ยฉ 2003 by Houghton Mifflin Company . Published by Houghton Mifflin Company . All rights reserved . Audit . professional , independent statements accounting documents following generally accepted principles ( GAAP ) . IRS audit , contrast , taxpayer ' s return , usually question accuracy acceptability information return reports . Dictionary of Financial Terms . Copyright ยฉ 2008 Lightbulb Press , Inc . All Rights Reserved . legal requirement for JOINT - STOCK COMPANY have its BALANCE SHEET PROFIT - AND - LOSS ACCOUNT ( the statements ) underlying system examined qualified AUDITOR so as enable opinion be formed such show TRUE AND FAIR VIEW state affairs that they comply with relevant statutes . Auditing involves inspecting documentary evidence transactions such INVOICES STATEMENTS DELIVERY NOTES DOUBLE - ENTRY entries complete authentic . Where auditor satisfied show โ true fair view โ he will report this SHAREHOLDERS ANNUAL REPORT AND ACCOUNTS However , if he not satisfied โ true fair view โ unhappy about any explanations given managers , then may make โ qualified report โ shareholders expressing his precise misgivings . internal audits procedures , marketing activities , production operations , quality control systems , safety be undertaken monitor review efficiency effectiveness which these various activities undertaken . In addition , undertake value - for - money audit , evaluate organization operating effectively . MARKETING AUDIT Collins Dictionary of Business , 3rd ed . ยฉ 2002 , 2005 C Pass , B Lowes , A Pendleton , L Chadwick , D O โ Reilly and M Afferson legal requirement for JOINT - STOCK COMPANY have its BALANCE SHEET PROFIT - AND - LOSS ACCOUNT ( the statements ) underlying system examined qualified auditor , so enable formed true view they comply relevant statutes . ENVIRONMENTAL AUDIT VALUE FOR MONEY AUDIT Collins Dictionary of Economics , 4th ed . ยฉ C . Pass , B . Lowes , L . Davies 2005 IRS verification taxpayer ' s return other transactions tax consequences . office agent ' s office . A field business premises taxpayer office practitioner representing taxpayer . Copyright ยฉ 2008 H&R Block . All Rights Reserved . Reproduced with permission from H&R Block Glossary Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : Mentioned in 90 - Day Letter ABC Statement Account Reconcilement Accountant in Charge Accountant ' s Liability Accounting Firm Accounting Information System Accounting Records adverse opinion Analytical Review Assurance Service Attest Function Attorney ' s Letter Audit Bureau of Verification Services audit committee Audit Cycle Audit Department Audit Fee Audit Guide Financial browser โฒ Attrition AU auction auction market Auction Market Preferred Stock Auction markets Auction Preferred Stock Auction rate preferred stock Auction Sites Auction - rate bond auction - rate preferred stock AUD Audan Audience Audience Accumulation Audience Composition Audience Duplication Audience Flow Audience Fragmentation Audience Profile Audience Share Audience - Holding Index Audience - Participation Program Audimeter Audio Audit Bureau of Circulations Audit Bureau of Verification Services audit committee Audit Cycle Audit Department Audit Fee Audit Guide Audit Program Audit Risk Audit Software Audit Test audit trail Auditability audited statement Auditing Evidence Auditing Firm Auditing Practices Board Auditing Procedure Auditing Standards Auditing Standards Board Audition auditor auditor opinion Auditor ' s certificate Auditor ' s report โผ Full browser โฒ Audiovisual Instructional Technology Audiovisual Interactive Medical Multimedia Audiovisual Management Association Audiovisual Management Information System Audiovisual Media Services Directive Audiovisual Multimedia Services Audiovisual Production Requirements Audiovisual Program Officer Audiovisual Rights Management Association Audiovisual Squadron Audiovisual Technologies , Informatics and Telecommunications Audiovisual Translation audiovisual / visual information audiovisually audiovisually AudioVisuals Online Audiovisuelles Marketing und Computersysteme GmbH Audiovox Electronics Corporation Audiovox Specialized Applications , LLC Audiowarez Audiowarez Audiphone Audiphone AUDIPOG AUDIR Audism Audist Audist Audit & Audit Follow - up Audit & Business Consulting Audit & Reimbursement Audit Action Item Audit Action Tracking System Audit Administration of the People ' s Republic of China Audit Agenda Record Audit Agent Audit ale Audit and Assurance Audit and Assurance Faculty Audit and Compliance Committee Audit and Corporate Governance Committee Audit and Enterprise Risk Services Audit and Ethics Branch Audit and Evaluation Branch audit and feedback Audit and Finance Committee Audit and Financial Management Advisory Committee Audit and Inspection Audit and Program Review Audit and Risk Assurance Committee Audit and Risk Committee Audit and Risk Review Audit Assistance Conseil Audit Automation Facilities Audit Base Inventory System Audit bureau of circulation Audit bureau of circulation โผ | [
"Audit",
"Dictionary"
] |
http://financial-dictionary.thefreedictionary.com/Bank+Clearing | Bank Clearing Bank Clearing The process of settling transactions between banks Because so many transactions take place between banks on a given day , bank clearing exists to process what each party owes or is owed in a central location so the least amount of money actually changes hands . For example , suppose Bank A owes $ 1 million to Bank B in cleared checks but B A $ 1.5 million . clearing is the determining that must only pay $ 500,000 . Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / Bank + Clearing " > Bank Clearing < / a > Feedback TheFreeDictionary presents : Write what you mean clearly and correctly . References in periodicals archive The bank , which found an increasing trend of fraud on cash cheques presented through clearing across the UAE , has decided to discontinue the practice of accepting cheques through the Central Bank clearing system effective September 1 , 2017 , wherein the beneficiary name is mentioned as ' Cash ' , the bank said . National Bank of Ras Al Khaimah to discontinue clearing cash cheques from September Hence , to eliminate the possible risk and fraud involved in ' Cash ' cheques and thereby protecting your funds and interests , it has been decided to discontinue the practice of accepting cheques through the Central Bank clearing system effective September 1 , 2017 , wherein the beneficiary name is mentioned as ' Cash ' " , the bank said in a statement on its website . UAE bank to stop clearing cash cheques from Sept 1 Tenders are invited for excavating the existing rock ledges and embankment to widen the existing roadway , reconstructing the roadside ditch , placing geotextile and suitable fill in eroded / slipped bank areas , minor bank clearing , grubbing and grading , placing riprap rock protection , installing erosion and sediment control measures , installing guiderail , resurfacing the roadway , replacing existing and installing additional crosspipes for ditch drainage and site restoration . Excavating The Existing Rock Ledges And Embankment To Widen The Existing Roadway It actually takes longer for the funds to become collected than the bank clearing it for you to make disbursements against . Fraud alert : South Florida maritime lawyers are targeted for fake yacht sales However , in the meantime it has facilities in place to allow it to continue operationally . pounds 11m revenue increase for Wockhardt This " payment gateway " software must pass stringent testing by Bacs , the organisation which operates the UK network . Unified Software Introduces Bacs Payment Gateway The Singapore Exchange ( SGX ) has added investment bank UBS to its AsiaClear platform as a new SGX member , allowing it to clear OTC traded financial derivatives in the country for the first time . Banks embrace OTC derivatives clearing With the addition of Credit Suisse , we now have a total of 10 members that are active in the OTC traded financial derivatives . - Credit Suisse joins Singapore exchange At the collecting centre the cheque information is passed electronically through a secure data exchange network ( called the Inter Bank Data Exchange , IBDE ) to the appropriate paying centre . Check out this cheque confusion The letter said her details were passed to NatWest centre , which would deal with the payment for the catalogue , but adds " despite telephone calls and correspondence " the payment had not reached its destination . Where is my cash ? But the system means that although the funds show as cleared , the con will only be revealed several weeks after the cash was sent . Net fraud warning It highlighted the fact that Clearstream refused to supply to Euroclear and settlement services for registered shares issued under German law . FINANCIAL SERVICES / COMPETITION : COMMISSION CONDEMNS CLEARSTREAM SETTLEMENT SERVICES More results โบ Financial browser โฒ banded pack offer bandit Bandwidth Bangalored Bangkok Stock Exchange Bangladesh Bank Bangtail Bani Banica bank Bank Account Bank Administration Institute Bank Advisory Committee Bank Affiliate Export Trading Company Bank Anticipation Note Bank anticipation notes Bank Automated Credit System Bank Bill Bank Branch Bank Burglary and Robbery Insurance Bank Call Bank Capital Bank Card Association Bank Certificate Bank Charge Bank collection float Bank Credit Bank Dealer Bank Debit Bank Delivery Order to an Airline bank deposit bank deposit creation Bank discount basis Bank draft Bank Endorsement Bank Error Bank Examination Bank Failure Bank for International Settlements Bank Giro Bank Guarantee bank holding company Bank Holiday Bank Identification Number Bank Insurance Bank Insurance Fund Bank Investment Contract Bank Letter of Credit Policy bank line bank loan โผ Full browser โฒ Bank Card Association Bank Card Associations Bank Card Company Bank Card Security System bank cards bank cards Bank Cards Network Bank Central Asia Bank Certificate Bank Certificates Bank charge Bank charge Bank Charges Bank Charges bank charter bank charter bank check bank check Bank cheque Bank cheque Bank Cheques Bank Cheques bank clerk bank closing Bank Code Number Bank collection float Bank Collection Floats Bank Comfort Letter bank commissioner Bank Commonwealth Institute of Golf Bank Consortium Trust Bank Controller Bank Cost Analysis Model Bank Craps Bank Craps Bank Created Money Bank credit Bank credit Bank Credit Analyst Bank credit card Bank credit card Bank Credit Facilities Bank Credit Facilities Bank Credit Facility Bank Credit Facility โผ Site : Follow : Facebook Twitter Rss Mail Share : Facebook Twitter LinkedIn Mail Open / Close | [
"Bank Clearing"
] |
http://financial-dictionary.thefreedictionary.com/Batting+1000 | Batting a Thousand ( redirected from Batting 1000 Also found in : Idioms Batting a Thousand A slang term in business meaning that no mistakes have been made . For example , a salesman is batting a thousand if the recipients of all of his cold calls for the day agree to purchase his products . The term is derived from baseball statistic in which 1.000 indicates perfect batting average . Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / Batting+ 1000 " > Batting a Thousand < / a > Feedback TheFreeDictionary presents : Write what you mean clearly and correctly . References in periodicals archive With each book we target a phrase that we hope to make part of the business lexicon , and so far we are batting 1000 Horn Group to Launch Dealing with Darwin by Best - Selling Author Geoffrey A . Moore Baseball players : Derek Jeter ' s batting 1000 as the top - searched baseball player this spring . America Online Unveils Hottest Searches for Spring 2005 More results โบ Financial browser โฒ basis trading Basis Weight Basket Basket credit default swap basket loan Basket Option Basket options Basket Order Basket Peg Basket Pegger Basket Purchase Basket Trade Basket trades Batch Batch Balance Batch Header Batch Header Record Batch Identification Batch Processing batch production batch size batch trading Batch - Level Activities Batman Battery Batting 1000 Batting Average Battle Rhythm Baud Bavarian State Mint bay Bay al Salam bay depth Bay Street bay window Bayesian Approach to Decision Making Bayesian Probability Bayesian Statistics Bayseian inference Bazaar BB BBB BBB - BBD BCG Growth Share Matrix BCICAC BD BD form BDI BDS Statistic โผ Full browser โฒ Battiades Battiades Batticaloa Medical Association battier battier batties batties battiest battiest battik battik battily battily battiness battiness Batting ( baseball ) Batting ( baseball ) batting .500 Batting 1,000 batting 500 batting about batting about batting an eye batting an eyelash batting an eyelid batting around batting around batting average batting average Batting average against Batting average on balls in play Batting Average with Runners in Scoring Position batting averages batting averages batting cage batting coach batting five hundred batting for batting for โผ Site : Follow : Facebook Twitter Rss Mail Share : Facebook Twitter LinkedIn Mail Open / Close | [
"Dictionary",
"Batting a Thousand"
] |
http://financial-dictionary.thefreedictionary.com/Bond+Price | Bond Prices ( redirected from Bond Price Bond Prices The amount one pays to buy a bond A bond price is usually represented as a percentage of par value For example , if has par of $ 1,000 and is sold for $ 900 , the price published as 90 % . Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / Bond + Price " > Bond Prices < / a > Mentioned in Accrued Interest Bearish Divergence Bond Market Bond option Bond swap Bond Trading Carry Trade clean price Convexity dirty price discounting the news Divergence Duration Flat price Modified duration monetize the debt money - demand schedule Negative duration Financial browser โฒ Bond equivalent yield bond for title Bond fund Bond Futures bond indenture Bond indexing Bond Insurance Company Bond Investor Bond Issue Bond Issue Costs Bond Issuer Bond Market Bond market association Bond Market Unit Bond mutual fund Bond of Indemnity Bond option Bond Outstanding Method Bond Paper Bond points bond pool Bond Portfolio bond power Bond premium bond premium risk Bond Price Bond Quote Bond rating bond ratio Bond Ration Bond Risk bond room bond sinking fund Bond Spread Bond Strategy Bond swap Bond Trading Bond Transaction Table Bond Trustee Bond Valuation Analysis Bond value Bond Washing Bond Yield Bonded Bonded Debt Bonded Exchange Bonded Goods Bonded Storage Exemptions Bonded Warehouse Bond - equivalent basis โผ Full browser โฒ Bond Outstanding Methods Bond Over Bill Spread Bond Over Bill Spreads Bond Over Stock Warrant Bond Over Stock Warrants Bond Oversight Committee Bond Pad Opening Bond Pad Pitch bond paper bond paper Bond Papers Bond Papers Bond payments bond plaster Bond Point Bond points Bond polarity bond pool Bond Portfolio Bond Portfolios Bond power Bond premium bond premium risk Bond Premium Risks Bond Premiums bond prevention Bond Quotation Dissemination Service Bond Quote Bond Quotes bond rating bond rating Bond Rating Agencies Bond Rating Agency Bond ratings Bond ratings Bond ratio Bond Ration Bond Rations Bond Ratios Bond refunding Bond refunding Bond rescinded Bond Retirement and Financing Account Bond Review Board Bond Risk Bond Risk Premium Bond Risk Premiums Bond Risks bond room Bond Security Framework bond servant Bond service bond sinking fund Bond Sinking Funds bond specificity โผ Site : Follow : Facebook Twitter Rss Mail Share : Facebook Twitter LinkedIn Mail Open / Close | [
"Bond Price",
"Dictionary"
] |
http://financial-dictionary.thefreedictionary.com/CGA | assessment ( redirected from CGA Also found in : Dictionary Thesaurus Medical Legal Acronyms Encyclopedia Wikipedia Assess 1 . To estimate the value of a property especially for property tax purposes . For example , a county may send an assessor to one ' s house to assess its value and base the property tax one owes on that assessment . 2 . To decide cost of something . For example , an insurance company may assess damage house fire at $ 120,000 and agree pay that much toward repairs . Alternatively , government one owes $ 50,000 in income tax based upon one ' s income previous year . Tax Assessment The determination how much person or company in taxes . One usually determines own tax assessment by declaring income capital gains from previous year applying methodology government requires arrive at tax liability The has right audit any assessment . Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved ( 1 ) official valuation for purposes . ( 2 ) A one - time charge made against owners each pro rata share expense repairs or improvements be enjoyed by all them common , such as condo association replace roof , or local pave dirt road . ( 3 ) Determination condemnation case . The Complete Real Estate Encyclopedia by Denise L . Evans , JD & O . William Evans , JD . Copyright ยฉ 2007 by The McGraw - Hill Companies , Inc . Mentioned in accounting return accreditation of experiential learning Actuarial Risk ALCO package Assess Assessed valuation assessed value Assessment Company Assessment of Deficiency Assessment Period Assessment Ratio Assessment Roll Associate in Risk Management automated valuation model black board of equalization brownfields burden of proof Case - Shiller index Financial browser โฒ Certified in Management Accounting Certified Investment Management Consultant Certified Investment Management Specialist Certified Management Accountant Certified Property Manager Certified Public Accountant Certified Residential Appraiser Certified Residential Broker Certified Residential Specialist Certified Treasury Professional cestui que trust ceteris paribus C - EZ cf CFA CFA Franc Zone CFA Institute CFAT CFC CFD CFM CFP CFR CFTC CG CGA CH Chaikin Oscillator chain Chain base index Chain Cent chain of command chain of title chain store Chainsaw Consultant Chair of the board chairman Chairman of the Council of Economic Advisers chairperson Chalder Chaldron Chalkoi chamber of commerce Chamberlin , Edward Chameleon Option Champagne Stock Chancellor of the Duchy of Lancaster Chancellor of the Exchequer Chande Momentum Oscillator change Change Agent โผ Full browser โฒ CG MCRD CG&A CG&C CG&D CG&E CG&S CG , FMFPAC CG , MCDEC CG - 1 CG - 2 CG - 3 CG - 4 CG - A CG - CC CG - FET CG - FFT CG - ICN CG - LDPC CG - LNA CG - NAP CG - SOA CG / FR CG / HCCS Cg / Sg family CG1 CG2 CG2E CG2E CG4 CG7 CGA - BC CGAA CGAAA CGAAC CGAAO CGAB CGAC CGACAA CGACC CGACS CGACT CGAD Cgaf CGAG CGAHS CGAI CGAIM CGAIT CGAL CGAM CGAMA CGAMS CGAN CGANT CGAO CGAP CGAPA CGAPPS CGAPS CGAR โผ | [
"Financial Dictionary",
"CGA"
] |
http://financial-dictionary.thefreedictionary.com/Economic+Actor | Economic Actor Economic Actor A person or unit able to use land labor or capital An economic actor uses these resources to shape an economy usually ( though not always ) for his own benefit . An economic actor may be an individual , a company , a government even society as whole . In general , actors are assumed be rational ( that is , they make decisions that would maximize their self interest ) , though some analysts would contend that many actors are too short sighted fully rational . See also : Homo economicus Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / Economic + Actor " > Economic Actor < / a > Feedback TheFreeDictionary presents : Write what you mean clearly and correctly . Mentioned in absolute advantage Acquired Advantage Adam Smith adaptive expectations Allocational efficiency allocative efficiency capital outflow classical economics Classical Economist competition Country Similarity Theory Economic Agency economic man First Fundamental Welfare Theorem fiscal drag Free Market Free Marketeer George Akerlof Guns and Butter Curve References in periodicals archive Conventionally , a rational economic actor approach has been adopted . TACKLING THE URBAN INFORMAL ECONOMY : SOME LESSONS FROM A STUDY OF EUROPE ' S URBAN POPULATION No economic actor has global knowledge about how the different kinds of capital fit together . The mythology of Capital in the Twenty - First Century We are subject to public forces from the economy just like every other Tuition Going Up at A&M System Schools At the crossroads of Africa and Europe , Morocco has become an essential in north Africa and sub - Saharan Africa on the back of its political stability , open and attractive business climate and experience of Moroccan banks and enterprises in 22 African countries , said Bouhdoud at a forum held by the National US - Arab Chamber of Commerce ( NUSACC ) themed " North Africa : challenges and opportunities in a transition phase " . Morocco , Key Partner for Economic Development in Africa : Minister Turkey is a significant political and that has played a crucial role in the Middle East , the Caucasus , Central Asia and Europe in the last decade . ( DIP ) HEAD OF TURKISH - AMERICAN ORGANIZATION URGES U.S. SENATE FOR IMMEDIATE APPROVAL OF TOP DOPLOMATS TO TURKEY Moreover , access to the respective financing source is conditioned by the business and credit worthiness of the , namely : Simulation model for the financing strategies of a leasing company After all , a rational would recognize that nothing he or she did as an individual could affect the outcome , so investing resources in a serious consideration of issues does n ' t pay . No longer just gray : business journalism takes off ; Technology , public appetite and far more sophistication in delivery have conspired to radically transform the face of business journalism in recent decades . That ' s been both good and bad , with many in the profession itself bemoaning a focus on entertainment instead of information He believed that it was industrial capitalism , not Karl Marx , who had reduced man to simply an defined by his social position . Introduction : where the hell are the people ? The Government must work with the public and the business sector , as a national brand is not something that can be achieved by a single Branding Korea : a long - term export policy of the Republic of Korea combines national and corporate branding And since Ontario is a national , it would be folly for this jurisdiction not to compete to attract production since it has so many comparative advantages already . Future of the film , television and Internet industry in Ontario : an interview with Adam Ostry , CEO of the Ontario Film Development Corp An is concerned only incidentally with the interests of other parties to the exchange . Unrugged Individualism : The Selfish Basis of Benevolence The result of the clearing and settlement process is that an obtains a bank deposit , which is one component of " money , " from another Clearing and payment systems : the role of the central bank More results โบ Financial browser โฒ EBITDA Margin EBITDA / enterprise value ratio EBITDA / EV EBITDAX Ebone EBRD EBS EBT e - business EC ECA ECGD Echo Award echo boomers Echo Bubble Echo Chamber Eclectic paradigm ECN Eco Eco - Dumping Eco - Label Ecology e - commerce econometrics economic activity Economic Agency economic aid Economic Analysis Economic and Monetary Union Economic and Social Commission for Asia and the Pacific Economic and Social Commission for Western Asia Economic and Social Council Economic and Social Research Council Economic assumptions Economic bubble Economic Bulletin Board Economic Commission for Europe Economic Community of Central African States Economic Community of the Great Lakes Countries Economic Community of West African States Economic Cooperation Organization Economic cycle Economic Cycle Research Institute Index Economic defeasance Economic dependence economic development Economic earnings economic efficiency economic exposure economic feasibility โผ Full browser โฒ Econometry Econometry Economia di Comunione Economia e Management del Turismo Culturale Economic & Business Development Commission Economic & Contingency Reserve Stock Economic & Development Progress Center Economic & Industrial Development Authority Economic & Social Commission for Western Asia Economic & Social Research Council Economic & Social Research Council economic action Economic Action Group Economic Activities Economic activity Economic activity Economic Activity of Socialist Enterprises , Analysis of Economic Activity Surprise Index Economic Actors Economic Adjustment Committee Economic Adjustment Factor Economic Administration and Financial Management Economic advantage Economic Advisory Committee Economic Advisory Group for Competition Policy Economic Advisory Services Economic Affairs Economic Affairs and Policy Analysis Division Economic Affairs Directorate Economic Affairs Secretariat Economic Agencies economic aid Economic Alliance of Greater Baltimore Economic Analyses economic analysis economic analysis Economic Analysis and Business Facilitation Unit Economic Analysis and Policy Economic Analysis Application โผ Site : Follow : Facebook Twitter Rss Mail Share : Facebook Twitter LinkedIn Mail Open / Close | [
"Economic Actor",
"Dictionary"
] |
http://financial-dictionary.thefreedictionary.com/Economic+assumptions | Economic assumptions Economic assumptions General market environment a firm expects to operate in over the life of a financial plan Copyright ยฉ 2012 , Campbell R . Harvey . All Rights Reserved . Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / Economic + assumptions " > Economic assumptions < / a > Feedback TheFreeDictionary presents : Write what you mean clearly and correctly . References in periodicals archive Even using economic assumptions rejected by leading economists , this budget would still leave America deeply in the red . United States : Statement of Sen . Warner on Trump Budget & Infrastructure Proposal VIII : Economic and Financial Risks The 2018 budget and medium - term financial and economic framework have been prepared in light of major financial and economic assumptions that have been based on the available economic information , updates , and circumstances , locally and globally Nevertheless , a number of these financial and economic variables may witness some updates that may affect assumptions positively or negatively , hence affecting the current estimations of the financial performance for the upcoming fiscal year and in the medium term . Ministry of Finance ' s Statement on the State ' s General Budget 22 Riyadh By contrast , changes in broadly shared are far more likely to trigger a sell - off , by prompting investors to reassess the likelihood of actually realising projected cash flows . The real risk to global economy Overall , underlying supporting the budget are generally in line with Fitch ' s forecasts . Fitch : Mexico 2018 Budget Completes Five - Year Consolidation Plan The Moody ' s Analytics ESG offers a comprehensive solution - - combining models , software , , and model calibrations - - that helps insurers calculate capital requirements , value liabilities , and assess investment strategies . Admiral Group chooses Moody ' s Analytics ESG for internal model market risk calculation But , as many critics have pointed out , the underlying the Trump administration ' s benign scenario appear improbable . A budget road map that is at odds with reality Szakacs said the state was poised for a clean , green future and should not risk that , while were incredibly precarious . Weatherill facing battle with unions over waste dump ahead of next Citizen ' s Jury He said : " People need to consider the whole picture before making any bold or brash Bosses bullish over sales slide ; But car industry chiefs call for action over Brexit jitters Coming into the presidency with that were broadly populist , he had the benefit of the newly established Council of Economic Advisers . Harry S . Truman : The Economics of a Populist President As Insider went to press , the Chancellor upped the pressure on the leave campaign with the publication of a Treasury - led study suggesting Brexit would cost each UK household the equivalent of PS4 , 300 a year and could see the UK economy shrink by as much as six per cent by 2030 , which of course makes for great headlines despite being arrived at using the alchemy of WILL BREXIT BE AN EMPLOYMENT LAW NIGHTMARE ? The latest news from HR , recruitment , employment law and staff issues He added that the expanded Committee , which includes heads of the permanent committees and members of the economic committee studied the projects , the policies and programs included in the draft plan for the different national economy sectors and submitted its visions and remarks on the assumptions on which the draft budget was made , the estimated investments , the forecast economic growth rates , the contribution of the different sectors , the growth in revenues during the years ' plan , the possibility to achieve these rates , the assumptions that were made , the availability of suitable , outputs and indicators are not met . Statement on Draft 9th Five - Year Plan , State Budget 2016 Minority Leader Ronaldo Zamora was first to ask questions , spending an hour quizzing Ungab on the expenditure program , including the that served as the basis for the proposed budget . House opens budget debate , forsaking all other measures More results โบ Financial browser โฒ EC ECA ECGD Echo Award echo boomers Echo Bubble Echo Chamber Eclectic paradigm ECN Eco Eco - Dumping Eco - Label Ecology e - commerce econometrics economic activity Economic Actor Economic Agency economic aid Economic Analysis Economic and Monetary Union Economic and Social Commission for Asia and the Pacific Economic and Social Commission for Western Asia Economic and Social Council Economic and Social Research Council Economic bubble Economic Bulletin Board Economic Commission for Europe Economic Community of Central African States Economic Community of the Great Lakes Countries Economic Community of West African States Economic Cooperation Organization Economic cycle Economic Cycle Research Institute Index Economic defeasance Economic dependence economic development Economic earnings economic efficiency economic exposure economic feasibility economic growth Economic Growth and Tax Relief Reconciliation Act of 2001 Economic growth rate Economic Imperialism Economic Imperialist Economic income economic indicator Economic indicators economic life โผ Full browser โฒ Economic and Social Development Fund Economic and Social Fund for Development Economic and Social History Society of Ireland Economic and Social Human Rights Advocacy Network Economic and Social Impact Analysis / Women in Development Economic and Social Infrastructure Operational Programme Economic and Social Monitoring Unit Economic and Social Policy Division Economic and Social Research Council Economic and Social Research Foundation Economic and Social Research Institute Economic and Social Sciences Research Program Economic and Social Studies Conference Board Economic and Social Survey of Jamaica Economic and Statistical Analysis Economic and Statistical Analysis Unit Economic and Technological Development Zones Economic and Technology Advancement Advisory Committee Economic and Trade Development Zone Economic and Valuation Services Economic and Workforce Development Economic Aspects of Human Development Economic Assessment Office Economic Assistance Economic Assistance Economic Association Economic Based Reliability Economic batch quantity Economic behavior Economic Blockade Economic Blockade Economic Book Value Economic Botany Economic Botany Bibliographic Database Economic bubble Economic Bulletin Board Economic Buying Influence Economic calcuation Economic calcuation Economic calculation Economic calculation Economic capital Economic Capital Model Economic Cartography Economic Cash Flow Model Economic Category Economic Challenge Investment Fund Economic Change , Poverty and Environment โผ Site : Follow : Facebook Twitter Rss Mail Share : Facebook Twitter LinkedIn Mail Open / Close | [
"Economic assumptions",
"Dictionary"
] |
http://financial-dictionary.thefreedictionary.com/Full-Time+Student | Full - Time Student Full - Time Student A person who takes more than 12 credit hours , or the equivalent , at a post - secondary institution in a school term . A full - time student is eligible for certain tax advantages as is parent , if he / she financially supports the student . Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved dependent full - time student if dependent enrolled in school for number of hours or courses considered by to be during some part of at least 5 calendar months during year . School includes elementary and secondary schools , post - secondary colleges , on - the - farm training courses , and technical trade schools . It does not include on - the - job training , correspondence schools , internet school . Vocational high students are considered to be students . Copyright ยฉ 2008 H&R Block . All Rights Reserved . Reproduced with permission from H&R Block Glossary Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / Full - Time + Student " > Full - Time Student < / a > Mentioned in Qualifying Child for the Earned Income Credit Financial browser โฒ Full faith - and - credit obligations Full Handle full line forcing full price Full Ratchet full reconveyance Full recourse Full Retirement Age full service Full Set of Bills of Lading Full Showing Full Stock full trading authorization Full Vesting full - cost pricing full - faith - and - credit bond full - faith - and - credit pledge full - line forcing full - line strategy Full - payout lease Full - service broker full - service brokerage firm full - service gross lease Full - service lease full - time official fully amortizing loan Fully Amortizing Payment fully depreciated Fully diluted earnings per share fully distributed Fully Indexed Rate fully invested Fully modified pass - throughs Fully Subscribed Fully Taxable Pensions fully valued Fun Fun money functional budget Functional currency functional distribution of income Functional Expenses functional layout functional obsolescence functional structure fund Fund assets Fund Balance Fund family Fund flows โผ Full browser โฒ Full - Time Employee Full - Time Employment Equivalent Full - Time Equivalency Full - time equivalent Full - time equivalent Full - Time Equivalent Enrollment Full - Time Equivalent Position Full - Time Equivalent Semesters Full - Time Family Medicine Full - Time Glasses Full - Time Graduate Full - Time Instructor Full - Time Internship full - time job full - time jobs Full - Time Kindergarten Full - Time Labor Force Full - Time Manning Full - Time Non - Tenure Track Full - Time Occlusion full - time official Full - Time Patch Full - Time Permanent Full - Time Position Full - Time Recruiting Force Full - Time Regular Full - Time School Counsellor Full - Time Status Full - Time Student Equivalent Full - Time Student Status Full - Time Students Full - Time Support Full - Time Teacher Equivalent Full - Time Temporary Full - Time Training Duty Full - Time Training in Anaheim Full - Time Training in London Full - Time Training in Malabon Full - Time Unit Support Full - Time , Year - Round full - timer full - track vehicle Full - Tracked Full - Tracked Vehicle Full - Up Power Pack - Diagnostics Full - Up Round Full - Up System Level Full - Up System Test Full - Use - of - Suitable Spares full - wave amplifier Full - Wave Analysis full - wave bridge Full - Wave Bridge Rectifier full - wave control Full - Wave Finite - Element Method Full - Wave Layered Interconnect Simulator full - wave rectification Full - Wave Rectified โผ Site : Follow : Facebook Twitter Rss Mail Share : Facebook Twitter LinkedIn Mail Open / Close | [
"Full-Time Student"
] |
http://financial-dictionary.thefreedictionary.com/Gross+Income | gross income Also found in : Dictionary Thesaurus Medical Legal Encyclopedia Wikipedia Related to gross income : cash flow Taxable income Debt To Income Ratio Gross income A person ' s total income prior to exclusions and deductions Copyright ยฉ 2012 , Campbell R . Harvey . All Rights Reserved . Gross Income An individual or company ' s income before taxes and deductions For individual income , it is calculated as the individual ' s wages or salary investment asset appreciation the amount made from any other source of income . In a company , it is calculated as revenues minus expenses An individual ' s gross important to determining eligibility for certain social programs , while a company ' s gross one measure among many of how well uses its resources produce profit See also : Adjusted gross income Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved gross income 1 . For business , its total revenues exclusive any expenses . 2 . an individual , all except specifically exempted by Internal Revenue Code . example , an inheritance specifically excluded from income . Wall Street Words : An A to Z Guide to Investment Terms for Today ' s Investor by David L . Scott . Copyright ยฉ 2003 by Houghton Mifflin Company . Published by Houghton Mifflin Company . All rights reserved . The revenue business before deduction for expenses , allowances , depreciation , or other adjustments . The Complete Real Estate Encyclopedia by Denise L . Evans , JD & O . William Evans , JD . Copyright ยฉ 2007 by The McGraw - Hill Companies , Inc . Gross Income Total worldwide received in form money , property , services that subject tax unless exempt excluded by law . Copyright ยฉ 2008 H&R Block . All Rights Reserved . Reproduced with permission from H&R Block Glossary Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / gross + income " > gross income < / a > Mentioned in Above the Line additional rent Adjusted gross income Adjustment to Income adjustments to income Advance Payments Alimony Payments Alternative Minimum Tax Alternative Minimum Tax Income Amt back - end ratio Before - tax contributions Below the Line below - the - line Below - the - Line Deduction cash flow Casualty Loss charitable contribution deduction Child Support Payments Financial browser โฒ Greenspan Put Greenwashing Greenwich Mean Time Gresham ' s law grey market GRI grid system gridiron Gridlock grievance grievance procedure Grinder GRL Groat Groatland Gromada Gros Groschen Gross gross area gross domestic fixed - capital formation gross domestic product gross domestic product deflator Gross earnings gross estate gross income multiplier Gross interest gross leasable area gross lease gross margin gross national product Gross parity gross per broker gross potential income gross potential rental income Gross Processing Margin Gross Production Tax gross profit gross profit margin gross rent multiplier Gross Rents Gross Revenue Pledge gross sales Gross Settlement Gross spread gross square footage gross up Gross Weight gross working capital grossing up โผ Full browser โฒ Gross Estates Gross Estates gross evidence Gross Expenditure on Research and Development Gross External Area Gross External Floor Area Gross Failed Fuel Detector Gross Farm Income Gross Fixed Asset Gross fixed capital formation Gross Fixed Investment gross flight path Gross Floor Area Gross Floor Area Gross Foreign Debt Gross Formation of Fixed Capital Gross Gaming Yield Gross Geographic Value Added Gross Glockner Gross Glockner Gross Harvest Gross Heating Value gross height gross hematuria gross hematuria gross her out gross him out Gross Human Rights Violations Gross Income Multiplier Gross Income Multiplier Gross Incomes Gross Incomes Gross Incurred Losses Gross indecency Gross indecency gross index gross information content Gross Initial Yield gross injustice Gross interest Gross Internal Area Gross Internal Floor Area Gross Internal Product Gross International Reserves Gross Investment in Tangible Goods Gross Laden Vehicle Weight Gross Laden Weight Gross leasable area Gross leasable area Gross lease Gross lease Gross Leases Gross Leases gross lesion gross lesion โผ | [
"gross income"
] |
http://financial-dictionary.thefreedictionary.com/Invoice+billing | Invoice billing Invoice billing Billing system in which invoices are sent off at the time of customer orders and are all separate bills to be paid . Copyright ยฉ 2012 , Campbell R . Harvey . All Rights Reserved . Invoice Billing A system of billing a client according to goods and services provided . That is , the company provides a bill client for each time he / she buys goods services . This contrasts with other ways bill client , such as providing each month regardless how many services purchased . Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / Invoice + billing " > Invoice billing < / a > Feedback TheFreeDictionary presents : Write what you mean clearly and correctly . Mentioned in Statement billing References in periodicals archive Wayerz is working with Barclays to see how Wayerz s solution can help Barclays further enhance the current process of the invoice billing with Barclays financial institution partners United Kingdom : Barclays signs contracts with eight companies from New York Accelerator program com ) - - Alaris Labs , leading developer of telecom carrier software products , announces the release of new version of Alaris inVoice billing system . Alaris inVoice v . 3 . 4 . Extended Routing and Rate Management Capabilities . Additionally with Compleo 5 , should the production system stop , a new Compleo Supervisor takes over automatically through one of its backups , providing the company the security to know invoice billing and shipping documents will continue without interruption . Symtrax launches Compleo Suite 5 net ) offers an efficient way to learn about and order ISI products online using a secured credit card system or an option . ISI Launches E - Commerce Online Store net ) offers the individual researcher a quick , easy , and efficient way to learn about and order 151 products online using a secured credit card system or an option . ISI Launches ShopISI , Provides Web of Science Data to Oberlin Group com ) - - Alaris Labs , a vendor of solutions for telecom carriers , announced a new version of its inVoice billing and routing system . Alaris inVoice v . 3 . 2 . 0 . New SMS Billing Features and Enhanced Rate Management We were able to successfully convert approximately 45,000 of these customers back to telephone billing from direct YP Corp . Announces 37 % Increase in Activated Customers and 75 % Increase in Paying Customers This product being a combination of Alaris and routing system with a new SMS switching core allowed traditional voice transit carriers to start new SMS traffic related business . Alaris Labs Sums Up 2012 Results It also provides start - up companies and other smaller firms with a package of outsourcing services as well as 401 ( k ) Plan placement and single of all premiums and fees for benefits coverages . Advanced Benefit Resources Corp , Hub International Outsourcing Unit , Receives SAS 70 Recognition ; Claims Paying Accuracy Well Above Industry Standards ' ' com ) - - Alaris Labs , a vendor of solutions for telecom carriers , announces a new release of its system . Alaris inVoice v . 3 . 1 . 0 . SMS Traffic Billing and Routing com ) - - Alaris Labs , a vendor of solutions for telecom carriers , releases a new version of its and routing system . Alaris inVoice v . 2 . 10 . 0 . Client Portal and Pro - Active Monitoring Finally , CompuServe offers the convenience of checking account , debit card , credit card and CompuServe Announces Official Launch of CompuServe 2000 More results โบ Financial browser โฒ investment trust company Investment Turnover Investment Valuation Model investment value investment vehicle investment - grade Investment - grade bonds investment - grade property Investments investor Investor and Capital Markets Fee Relief Act Investor fallout Investor relations Investor ' s equity Investors in Industry Investors in People Investors service bureau invisible balance invisible export and import invisible hand Invisible Item Invisible Supply Invisible Trade Invisible Transaction invoice Invoice date Invoice price involuntary alienation involuntary bankruptcy involuntary conversion involuntary lien Involuntary liquidation preference Involuntary Reduction in Force involuntary unemployment IO IOC order IOM IOSCO IOT IPL IPO IPO Lock - Up IPO Spinning IQ IQD IR IRA IRA Adoption Agreement and Plan Document IRA rollover IRA transfer โผ Full browser โฒ Invocation Request Form invocational invocational invocations invocations invocative invocative Invocator Invocator invocatory invocatory invocatory plea invocatory prayer INVOF invoice invoice amount Invoice Authorization Form Invoice Book Invoice Book invoice clerk Invoice Control Number Invoice Currency Invoice date Invoice Dates Invoice Delivery System Invoice Derived Billing Invoice for Payment Invoice Lag Summary Invoice Not Received Invoice price Invoice Price Varience Invoice Prices Invoice Processing System Invoice Query System Invoice Receipt Invoice to Cash Invoice Work Queue Invoice - Payment Demand Invoice / Order invoiced invoiced invoices invoicing invoicing โผ Site : Follow : Facebook Twitter Rss Mail Share : Facebook Twitter LinkedIn Mail Open / Close | [
"Invoice billing",
"Billing system"
] |
http://financial-dictionary.thefreedictionary.com/LTM | Trailing Twelve Months ( redirected from LTM Also found in : Dictionary Thesaurus Medical Acronyms Wikipedia Trailing Twelve Months Referring to the most recently completed 12 month period . For example , trailing 12 month earnings refers to a company ' s earnings over the months ending on last day of most recent month . Showing developments on a trailing basis is common way of tracking company ' s finances . It is less commonly called last months . Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / LTM " > Trailing Twelve Months < / a > Feedback TheFreeDictionary presents : Write what you mean clearly and correctly . Mentioned in TTM References in periodicals archive If you ' d like more information about The LTM Audio Players Summer 2014 Showcase , or to schedule an interview with Melanie or any of the Audio Players , please call Melanie at 917 - 557 - 3617 or email press @ ltmaudioplayers . Voice Actors Make Waves in NYC Theatre with Live Performance of Audio Plays However , since it will measure the full , both repeatable and non - repeatable , the multiple pass techniques of the previous section will have to be used to separate the repeatable and non - repeatable portions . Measuring small Scale to meet growing demand - APM for VE facilitates a phased rollout , can accommodate growing VMware View deployments , and can be smoothly transitioned to a hardware - based solution supporting up to 60,000 concurrent users if desired . F5 Accelerates VMware View Deployments with BIG - IP Access Policy Manager on a Virtual Platform Additional information about the BIG - IP Essentials course is available at www . F5 Expands Free Global Access to " BIG - IP Local Traffic Manager Essentials " Training Course The 5975T GC / MSD has several key features that enhance customer ease - of - use . TRADE NEWS : Agilent Technologies Introduces Transportable GC / MS for High - Performance , Out - of - Laboratory Analysis PTC is very proud to partner with which stands out as a great example of how our technologies have been a facilitator of business growth not just for the company but also for the Indian engineering sector , " said Mr . Larsen & Toubro Business Unit Leverages PTC ' s Pro / ENGINEER to Expand Global Footprint One of the main decision - making criteria for purchasing the Liebherr 1100 - 4 . Switzerland : Colombian crane hire company Potenco expands fleet with used Liebherr LTM 1100 - 4.1 mobile crane The fast cycle times of are particularly well - suited for the hydrocarbon industry , environmental analysis , food safety testing , forensics , pharmaceutical QA / QC and food / flavor / fragrance analysis . TRADE NEWS : Agilent Technologies Dramatically Increases GC Productivity with Low Thermal Mass Rapid Heating / Cooling Option ENIMCAR has also imported two used Liebherr cranes , an 1080 / 1 and an 1055 - 3 . Switzerland : First new Liebherr LTM mobile crane supplied to Cuba the LTM 1220 - 5.2 is destined for use in a mine 4x Madison River ' s free cash flow before and after anticipated synergies , respectively , and 8 . CenturyTel to Acquire Madison River for $ 830 million Franz Bracht Kranvermietung GmbH has taken delivery of three new Liebherr 1160 - 5 . Switzerland : Three new Liebherr LTM 1160 - 5.2 mobile cranes for Bracht 6 billion ) for the period at the end of the third quarter of 2006 exceeded increasing from $ 7 . Fitch Affirms Pfizer , Inc . at ' AAA ' ; Outlook Stable More results โบ Financial browser โฒ Lower Rate of Income Tax low - grade low - income housing Low - Income Housing Limited Partnership low - income housing limited partnerships Low - Income Housing Tax Credit low - income housing tax credits Low - Key Lighting low - load fund Low - Price Strategy low - rise lows Low - Tech loyalty Loyalty Program LP LR LRD LS LSE LSL LSO LT Ltd . LTL LTU LTV LU Luca Pacioli Lucas Critique Lucite Luddite Luddites Ludwig von Mises LUF LULUs Luma Lumber Lumin Lump of Labor lump of labour Lump of Water Lump sum Lump Sum Distribution Lump - sum distribution lump - sum payment Lump - Sum Tax lump - sum taxes Lunch and Learn Lungsod โผ Full browser โฒ LTKKA LTKM LTKP LTKR LTKRF Ltky LTL LTLA LTLB LTLC LTLCG LTLCS LTLD LTLE LTLF LTLG LTLJ LTLM LTLM - S LTLN LTLO LTLOT LTLP LTLS LTLSB LTLSM LTLT LTLYM LTM Recordings LTM Recordings LTM Records LTM Records LTM - ITV LTMA LTMAA LTMAP LTMB LTMBE LTMC LTMCD LTMCG LTMD LTMDL LTME LTMED LTMF LTMFM LTMFP LTMG LTMGH LTMHA LTMI LTMIP LTML LTMLC LTMLS LTMN LTMO โผ Site : Follow : Facebook Twitter Rss Mail Share : Facebook Twitter LinkedIn Mail Open / Close | [
"Trailing Twelve Months",
"Dictionary"
] |
http://financial-dictionary.thefreedictionary.com/Liability | liability Also found in : Dictionary Thesaurus Medical Legal Acronyms Idioms Encyclopedia Wikipedia Related to liability : capital revenue Assets and Liabilities Total Liabilities Liability A financial obligation or the cash outlay that must be made at a specific time to satisfy the contractual terms of such an obligation . Copyright ยฉ 2012 , Campbell R . Harvey . All Rights Reserved . liability An obligation to pay an amount in money , goods , or services another party . The balance sheet lists liabilities . Also called debt Compare asset See also contingent liability current liability Wall Street Words : An A to Z Guide to Investment Terms for Today ' s Investor by David L . Scott . Copyright ยฉ 2003 by Houghton Mifflin Company . Published by Houghton Mifflin Company . All rights reserved . Liability . In personal finance , liabilities are amounts you owe creditors , people and organizations that lend you money . Typical liabilities include your mortgage , car and educational loans , credit card debt . When figure your net worth , subtract liabilities , what owe , from assets . The result is net worth , cash value of what own . In business , refer money a company owes its creditors any claims against its assets . Dictionary of Financial Terms . Copyright ยฉ 2008 Lightbulb Press , Inc . All Rights Reserved . claim on resources individual business in respect monies borrowed . A is thus form DEBT for example bank overdraft LOAN building society MORTGAGE See ASSET BALANCE SHEET Collins Dictionary of Business , 3rd ed . ยฉ 2002 , 2005 C Pass , B Lowes , A Pendleton , L Chadwick , D O โ Reilly and M Afferson claim on resources individual business respect monies borrowed . thus form DEBT for example , bank overdraft LOAN building society MORTGAGE ASSET BALANCE SHEET Collins Dictionary of Economics , 4th ed . ยฉ C . Pass , B . Lowes , L . Davies 2005 ( 1 ) debt obligation . ( 2 ) potential loss , such as poorly trained , poorly supervised real estate agent who may be liability . The Complete Real Estate Encyclopedia by Denise L . Evans , JD & O . William Evans , JD . Copyright ยฉ 2007 by The McGraw - Hill Companies , Inc . Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / liability " > liability < / a > Mentioned in Absolute Liability Accountant ' s Liability Accountants Liability Insurance Accumulated Benefit Obligation acid - test ratio Acquittance Adjusted Liabilities Adjusted Surplus After - Tax Application of Funds asset Asset Conservation , Lender Liability and Deposit Insurance Act of 1996 Asset Coverage Ratio Asset Retirement Obligation Asset / Liability Committee Asset / liability management Asset - Liability Gap assignor Association of Lloyd ' s Members Financial browser โฒ Level - Premium Insurance leverage Leverage clientele Leverage Ratio Leverage ratios Leverage rebalancing leverage up leveraged Leveraged beta Leveraged buyout leveraged company Leveraged equity leveraged ESOP leveraged investment company leveraged lease Leveraged Management Buyout Leveraged portfolio leveraged recapitalization Leveraged required return Leveraged stock Levered portfolio levy Lewis , Sir W . Arthur LexisNexis Li liability dividend Liability funding strategies Liability Funding Strategy Liability insurance Liability swap Liang Liard Liar ' s Loan Liberal Liberal Democratic Party of Japan Liberal Trade Policy Liberalism Liberian Dollar Libertarian Libertarianism Liberty Cap Cent Liberty Head Liberty Head Nickel LIBOR Libra Libyan Dinar licence Licence Raj license License agreement โผ Full browser โฒ Li18nux Li2 Li20 LI3 LIA LIA LIAA LIAAC LIAB LIABDA Liabiba Faizovna Ikhsanova Liabiba Ikhsanova Liabilities of a Coroner Liabilities of a Coroner Liabilities of Auctioneer Liabilities of Foreignness Liability Accounts Liability Adequacy Test Liability Adjustment Factor Liability Assessment & Awareness International , Inc . Liability Computation Liability Considerations for Executors and Administrators Liability Considerations for Executors and Administrators liability dividend Liability Dividends Liability Dividends Liability Driven Investing liability engineering Liability for Defective Products Act Liability for hitting an illegally parked vehicle ? Liability for Injuries Liability for Injuries Liability funding strategies Liability Funding Strategy liability insurance liability insurance Liability Insurance Administrators Liability Insurance Research Bureau โผ | [
"Dictionary",
"Liability"
] |
http://financial-dictionary.thefreedictionary.com/Lock-up+period | Lock - up period Also found in : Wikipedia Lockup Period A time during which a publicly - traded company forbids management and large stockholders to sell their shares usually following an initial public offering Depending on the company , the lockup period may be 90 to 180 days . It exists ensure that market is not flooded with shares in company at any given time , which would increase supply and cause a drop in price Large shareholders selling their may also be seen as an indication of lack of confidence company , triggering panic sell After lockup period ends , however , shareholders sell without restriction . Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved Lock - up period . A lock - up is time during you can not investment that you own . You are most likely encounter lock - up if acquire initial public offering ( IPO ) because had private equity investment company before it went public receive IPO proportionate your private equity ownership interest . You also have if are owner or employee granted shares . The last as long 180 days . In some cases , though , graduated , meaning after initial days can increasingly larger portion your over next two years . After ends , free all wish . Dictionary of Financial Terms . Copyright ยฉ 2008 Lightbulb Press , Inc . All Rights Reserved . Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / Lock - up + period " > Lock - up period < / a > References in periodicals archive As part of the changes , which are yet to be officially announced , the lock - up period for funds under China ' s Qualified Foreign Institutional Investor  ; ( QFII )   ; program will be removed , allowing international investors to withdraw their money on a daily basis . China To Loosen Controls On Foreign Fund Outflows The specific provision in the IPO lock - up agreements being waived is the lock - up extension provision that may extend , upon the occurrence of certain events , the 180 - day IPO lock - up period for an additional period of up to 34 days . - ServiceNow lock - up restriction on proposed offering shares being released Starting in just a few months , they will be free to sell their shares as the so - called expires . When an IPO expires , more shares are available for trading , placing a greater supply of stock in the stock market . Facebook set for flood of new shares with lock in period end looming The shares issued have a of 2 , 5 years . BTS Group AB Has Signed A Letter Of Intent Regarding a Possible Acquisition Of The Advantage Performance Group and The Real Learning Company Although the was due to expire on Sunday , April 30 , 2006 , the Company ' s underwriting agreement provides for an automatic extension of the for an additional 18 days after Cbeyond ' s quarterly earnings press release . Upon expiration of the , the shares subject to the lockup restriction will become available for resale subject to applicable restrictions under the federal securities laws , including Rules 144 and 701 under the Securities Act of 1933 . Cbeyond Announces Extension of IPO Lock - up Period Due to Planned Release of First Quarter 2006 Financial Results 5 times today ' s closing price for any five consecutive trading days during the extended , then at the close of the Nasdaq Stock Market on the fifth trading day , 25 % of the securities initially subject to the lock - up agreement will cease to be subject to the lock - up restrictions . Gemini Genomics Announces Voluntary Extended Lock - up Agreement The original ends on September 16 , 2000 , and the 45 - day extension period ends on October 31 , 2000 . ACLARA BioSciences , Inc . Announces Partial Release of Lock - Up Restrictions Rather , it is intended to allow Aether ' s significant shareholders the opportunity to sell shares in an orderly manner , and to extend the to five months after the completion of the offering . Aether Systems Announces Underwritten Offering of Common Stock by Existing Shareholders The notes are convertible at the option of the investors into shares of Cypros common stock once the applicable expires . Cypros Pharmaceutical closes $ 7 million Regulation D private placement of convertible notes Technology companies showed greater volatility around the expiration of their lock - up periods than did life sciences companies . US life sciences IPOs outnumbered technology IPOs in first half of 2014 More results โบ Financial browser โฒ Lock Lock Commitment Letter lock in Lock Limit Lock Period Lock , Stock , and Barrel Lockbox lockdown locked in Locked Limit Down Locked Limit Up locked market locked - in interest rate lock - in amendment lock - in clause lock - in period Locking the Loan Lock - Jumper lockout lock - out Lockup Agreement Lock - Up CD Lock - up CDs Lockup option lockup period Lock - up period locomotive principle log on Logarithmic scale logistics Log - linear least - squares method Lognormal distribution logo Loi Royer Lokiec Lokiec Wiedenski Lombard Lombard Credit Lombard Loan Lombard rate Lombard Street Lomรฉ agreements Lome Convention London and New Zealand Futures Association London Bullion Market London Club London Cocoa Terminal Market London Commodity Exchange London Futures and Options Exchange London Gold Pool London Interbank Bid Rate โผ Full browser โฒ Lock - Outs Lock - Outs lock - stitch suture lock - stitch suture lock - stitch suture pattern lock - strip gasket Lock - up Lock - up Lock - Up Agreement Lock - Up Agreements Lock - Up CD Lock - up CDs Lock - Up Certificate of Deposit Lock - Up Certificates of Deposit Lock - Up Defense Lock - Up Defenses Lock - up house lock - up option lock - up option Lock - Up Options Lock - Up Periods lock - up relay Lock - ups Lock - weir Lock / Write / Delete / Unlock lockable lockable Lockable Battery - Backed Random Access Memory lockage lockalloy lockaway lockband lockbox lockbox lockboxes lockboxes lockdown Lockdown Sleeve lockdowns lockdowns Locke โผ | [
"Lock-up period",
"stockholders"
] |
http://financial-dictionary.thefreedictionary.com/Loose+Monetary+Policy | cheap money ( redirected from Loose Monetary Policy Also found in : Dictionary Thesaurus Cheap Money A monetary policy in which a central bank sets low interest rates so that credit is easily attainable . This makes borrowing easy for business , which stimulates investment and expansion of operations . The immediate result of cheap money is a boost in stock prices the medium term , cheap money promotes economic growth However , if remains the economy for too long , it can lead to situation there glut currency or too many dollars chasing few goods and services leading to inflation For this reason , most central banks alternate between policies tight money varying degrees encourage growth while keeping inflation under control . Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved cheap money See easy money Wall Street Words : An A to Z Guide to Investment Terms for Today ' s Investor by David L . Scott . Copyright ยฉ 2003 by Houghton Mifflin Company . Published by Houghton Mifflin Company . All rights reserved . government policy whereby CENTRAL BANK authorized purchase government BONDS on open market facilitate an increase MONEY SUPPLY ( see MONETARY POLICY ) . The increase supply serves reduce INTEREST RATES encourages INVESTMENT because previously unprofitable investments now become profitable as result reduced cost borrowing ( see MARGINAL EFFICIENCY OF CAPITAL / INVESTMENT ) . Cheap policy , through MONEY SUPPLY / SPENDING LINKAGES increases AGGREGATE DEMAND Compare TIGHT MONEY See LIQUIDITY TRAP Collins Dictionary of Economics , 4th ed . ยฉ C . Pass , B . Lowes , L . Davies 2005 Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / Loose + Monetary + Policy " > cheap money < / a > Mentioned in accommodative monetary policy easy money Loose credit monetary accommodation tight money Financial browser โฒ Long - Term Investing Long - term investor Long - Term Lease Long - term liabilities Long - Term Liability long - term loss Long - Term Moving Average Long - Term Prime Rate Long - Term Rate Risk Long - Term Trend Long - Term Unemployed Long - Term Unemployment Lood Look Look Thru lookback call option Lookback option lookback put option Looking for Looking Over Your Shoulder Look - thru Lookup Loonie Loophole Loose credit Loose Monetary Policy Loose Rein Loose Rendering Lorenz curve Loser Losing the Points Losing Your Shirt loss Loss Adjuster Loss Avoidance Loss Carry - Back Loss Exposure loss factor Loss Leader Strategy loss leading loss minimization loss payee Loss ratio Loss Reduction Loss Run Loss - control activities Losses Outstanding Losses Paid loss - leading Loss - of - income insurance Lost Card โผ Full browser โฒ loose heads loose housing Loose iambic Loose iambic loose insulation loose kernel smut loose knot Loose leaf Loose leaf Loose Leaf Book Company Loose Leash Walking loose lintel loose lip loose lip ( s ) Loose Lips Loose Lips Loose Lips Sink Ships Loose Lips Sink Ships loose list Loose liver Loose Mail System Loose material Loose material Loose meat loose metal loose molding Loose Moose Theatre Company Loose motions Loose motions loose off loose order Loose Organization of Surreal Ethereal Realists Loose Parts Monitor Loose Parts Monitor Assembly Loose Parts Monitoring System Loose Pieces Drop Off loose premaxilla loose premaxilla Loose pulley Loose pulley Loose rein Loose Reins loose rendering loose rendering loose round loose scrum loose scrummage loose scrummages loose scrums loose sentence loose side loose skin loose skin โผ | [
"cheap money",
"Dictionary"
] |
http://financial-dictionary.thefreedictionary.com/Managed+Floating+Exchange+Rate+System | Managed float ( redirected from Managed Floating Exchange Rate System Managed float Also known as " dirty " float this is a system of floating exchange rates with central bank intervention to reduce currency fluctuations Copyright ยฉ 2012 , Campbell R . Harvey . All Rights Reserved . Managed Float A floating exchange rate in which a government intervenes at some frequency to change the direction of the float by buying or selling currencies Often , local government makes this intervention , but is not always case . For example , in 1994 , American bought large quantities Mexican pesos stop rapid loss peso ' s value . Strictly speaking , even central bank ' s intervention raise or lower interest rates could be considered managed float . However , because most floating currencies manage their regimes with occasional central bank involvement , term applies mainly frequent dramatic interventions . A managed float also known as dirty float . See also : 1994 Mexican economic crisis , Floating currency Fixed exchange rate Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / Managed + Floating + Exchange + Rate + System " > Managed float < / a > Mentioned in Bolivian Peso Boliviano BOP dirty float flexible exchange rate Floating Currency floating exchange rate Jamaica Accord Limited flexibility exchange rate system MXP MYR Peso Boliviano Ringgit SGD Singaporean Dollar Target Zone Target zones Two - Tier Market References in periodicals archive The Central Bank of Iran has , over the past decade , implemented a managed floating exchange rate system by which the rate was fixed through the injection of foreign exchange revenue , mostly generated from oil ; however , during the last 18 months the weakening of the Rial has accelerated and in October the acceleration rate increased dramatically . A volatile month for the unofficial Rial Thus , with a view to maintaining the competitiveness of exports and thereby to bring a sustainable balance between the country ' s current receipts and current payments , it was decided to adopt the managed floating exchange rate system with effect from 8th January 1982 . EXCHANGE RATE : IN RETROSPECT More results โบ Financial browser โฒ making a line Making delivery Malagasy Ariary Malagasy Franc Malawian Kwacha Malawian Pound Malayong bayan Malayong lungsod Malaysia Commodity Exchange Maldivian Rufiyaa Male Chauvinism Male Chauvinist malfeasance Malian Franc Malicious Obedience Maloney Act Maltese Lira Maltese Scudo Malthus , Thomas Mammon Ma - Na Managed account Managed Currency managed earnings Managed Floating Exchange Rate System Managed Futures Managed Futures Account Managed Money Management management accounting management agreement management audit management buy - in Management buying management buyout management buy - out management by exception management by objectives management by walking around Management Charter management company management consultant Management contract management development Management fee management information system Management Porn Management Risk Management Shake - Up management style โผ Full browser โฒ Managed Detection and Response Managed Direct 3d Mobile Managed Direct X Managed DirectX Managed E - Mail Surveillance Service managed earnings managed economies managed economies managed economy managed economy Managed Element Managed Enterprise Desktop Protection Managed Enterprise Video Streaming Managed Entity Managed Environmental Livestock Operation Managed Ethernet Service managed Ethernet switch managed Ethernet switch Managed Ethernet Wide Area Network Managed Evolutionary Development Guidebook Managed Executable Job Resource Managed Extensibility Framework Managed Extensions for C++ Managed Facilities - Based Voice Network Managed Fall Protection Program Managed file transfer Managed Firewall Services Managed float regime Managed Floating Exchange Rate Managed Floating Exchange Rates Managed Floats managed forest Managed Forest Land Managed Forest Tax Incentive Program managed fund Managed Funds Managed Funds Association Managed Future Fund Managed Futures Managed Futures Account Managed Futures Accounts Managed Futures Funds Managed Futures Securities Based Indices Managed Gateway Anti - Virus Managed health care Managed health care Managed Health Care Advisory Committee Managed Health Care Consumer Assistance Program Managed Health Care Organization Managed Health Care System Managed Health Program managed healthcare managed healthcare Managed Healthcare Associates Managed Healthcare Information Services , Inc . โผ Site : Follow : Facebook Twitter Rss Mail Share : Facebook Twitter LinkedIn Mail Open / Close | [
"Managed float",
"Dictionary"
] |
http://financial-dictionary.thefreedictionary.com/Mortgage+servicing | Mortgage servicing Mortgage servicing The collection of monthly payments and penalties , record keeping , payment of insurance and taxes , possible settlement default involved with a mortgage loan Copyright ยฉ 2012 , Campbell R . Harvey . All Rights Reserved . Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / Mortgage + servicing " > Mortgage servicing < / a > Feedback TheFreeDictionary presents : Write what you mean clearly and correctly . Mentioned in MBS servicing Real Estate Settlement Procedures Act RESPA References in periodicals archive Chicago , said that the mortgage division of its bank ( Cole Taylor Bank ) would be establishing a mortgage servicing platform following the purchase of mortgage servicing rights and certain office space and equipment from Liberty Savings Bank FSB , Wilmington , Ohio . Cole Taylor Mortgage takes steps to launch servicing platform will relocate some 200 employees to the Woodcrest Corporate Center in Cherry Hill , N . Woodcrest gets Popular In addition , the treatment of certain " customer - based intangibles , " including rights , is of particular significance for financial institutions . Financial institutions may be subject to new rules for amortizing intangibles 122 , Accounting for Mortgage Servicing Rights , amending SFAS No . Accounting for mortgage servicing rights A mortgage banking enterprise that acquires rights through either the purchase or origination of mortgage loans and sells or securitizes those loans with servicing rights retained should allocate the total cost of the mortgage loans to the rights and the loans ( without the rights ) based on their relative fair values if it is practicable to estimate those fair values . SEC stresses importance of municipal bond integrity GCC Servicing Systems , a Southfield - based provider , announces the appointment of Brian Dharte as director of sales . GCC Servicing Systems Appoints Director of Sales a provider of real estate information research and report generation services for the title and industries , announced the successful completion of a joint effort to integrate its property data into General American Corporation ' s GATORS settlement services tracking system . Venture to help bankers hits the mark The Raleigh , North Carolina , servicing center will remain with First Union Mortgage Corporation and will be restructured as part of First Union ' s announced plans to exit the business , according to Wells Fargo . WELLS FARGO PURCHASES FIRST UNION PORTFOLIO ; AGREES TO SUBSERVICE GE PORTFOLIO in addition , the consensuses on the determination of what constitutes all risks and rewards and no significant unresolved contingencies in a sale of rights under Issue no . Determining what constitutes " all risks and rewards " and " no significant unresolved contingencies " in a sale of mortgage servicing rights ; buyouts of compensatory stock options The news was announced today at the Mortgage Bankers Association ' s 2007 National Mortgage Servicing Conference and Expo in San Diego . Visionet Systems ' VisiRelease Processed More Than One Million Lien Releases and Recordings in 2006 The Financial Accounting Standards Board exposed for comment a statement on rights . FASB seeks comments on mortgage servicing ED a provider of automated servicing technology for the mortgage banking industry , announced the integration of a reverse component into its flagship product , Servicing / T . McDonald Computer Corp . ' s Platform Integrates Reverse Mortgage Servicing Capabilities More results โบ Financial browser โฒ Mortgage Insurance Policy Premium Mortgage Insurance Premium Mortgage Interest Mortgage Interest Credit Mortgage interest deduction Mortgage Interest Relief Mortgage Interest Relief at Source mortgage lender Mortgage Lien Mortgage life insurance Mortgage Out mortgage participation certificate Mortgage pass - through security Mortgage Payment Mortgage pipeline mortgage pool Mortgage Price Mortgage Price Quotes Mortgage Program Mortgage Protection Insurance mortgage purchase bond Mortgage rate Mortgage Referrals mortgage REIT Mortgage Scams and Tricks Mortgage Shopping mortgage - backed revenue bond Mortgage - backed securities Mortgage - Backed Securities Clearing Corporation Mortgage - backed security Mortgaged to the Hilt Mortgagee Mortgage - pipeline risk Mortgager Mortgagor Mortise mortmain Moscow Interbank Currency Exchange Most active list Most distant futures contract Most Favored Nation Most Likely Time Most Recent Quarter most - active list most - active stocks most - favored - tenant clause most - favoured nation clause mothballing Mother Chip Mother Hubbard clause โผ Full browser โฒ Mortgage Price Quotes Mortgage Professional Australia Mortgage Program Mortgage Protection Insurance Mortgage Protection Plan mortgage purchase bond Mortgage Quote Mortgage rate Mortgage rates Mortgage rates Mortgage Real Estate Investment Trust Mortgage Real Estate Investment Trusts Mortgage Real Estate Investment Trusts Mortgage Reducing Term Assurance Mortgage Referrals Mortgage refinance Mortgage refinance Mortgage REIT Mortgage REITS Mortgage Related Security Mortgage Research Center Mortgage Revenue Bond Program Mortgage Revenue Bonds Mortgage Scams and Tricks Mortgage Service Rights Mortgage Servicing Disclosure Statement Mortgage Shopping Mortgage Specialist Group Mortgage Term Date Mortgage Trust Note Mortgage Underwriter University Mortgage West Financial Mortgage - backed Mortgage - backed Mortgage - Backed Bond Mortgage - Backed Bonds Mortgage - Backed Revenue mortgage - backed revenue bond Mortgage - Backed Revenue Bonds Mortgage - backed Securities Mortgage - backed Securities Mortgage - Backed Securities Clearing Corporation Mortgage - Backed Securitization mortgage - backed security mortgage - backed security Mortgage - pipeline risk Mortgage - Pipeline Risks mortgageable mortgageable mortgaged โผ Site : Follow : Facebook Twitter Rss Mail Share : Facebook Twitter LinkedIn Mail Open / Close | [
"Mortgage servicing",
"mean"
] |
http://financial-dictionary.thefreedictionary.com/PRT | PRT Also found in : Dictionary Acronyms Wikipedia PRT GOST 7.67 Latin three - letter geocode for Portugal . The code is used for transactions to and from Portuguese bank accounts and international shipping to Portugal . As with all GOST 7.67 codes , it is used primarily in Cyrillic alphabets . Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : Financial browser โฒ protective stop Protest prototype Prototype plan proved reserves Provinsi provision Provision for income taxes Provisional call feature provisional call trigger price provisional rating Prowincja proximate cause proxy Proxy Committee Proxy Committee Ballot Proxy contest Proxy Directive Proxy Fight Proxy Materials Proxy Solicitor Proxy statement Proxy Tax Proxy vote PRPs prudent man rule Prudent - man rule Pruta PRY PS PSA PSA Prepayment Rate PSSG Psychic Income psychographic segmentation psychological pricing psychological test PT PTA Bank PTE PU Publ 1321 Publ 1345 Publ 1346 Publ 1431 Publ 1436 Publ 1437 Publ 1438 Publ 1450 Publ 1457 โผ Full browser โฒ PRSS14 PRSS17 PRSS18 PRSS19 PRSS20 PRSS30P PRSS6 PRSS7 PRSS9 Prssa PRSSB PRSSI PRSSL1 PRSSNI PRSSV Prst PRST - AB PRSTAB PRSTF prsthavamsa PRSTPER PRSU Prsut Prsut PRSV PRSV - EoS PRSVC PRSVN PRSW PRSWI Prt sc PRT&T PRTA pRTA - OA PRTAA PRTB PRTB PRTC PRTCM PRTCS PRTD PRTDSL PRTE PRTF Prtg PRTH PRTH PRTI PRTJ PRTK PRTL PRTLD PRTLI PRTM PRTN PRTNS PRTOC PRTP PRTPKT PRTPO โผ Site : Follow : Facebook Twitter Rss Mail Share : Facebook Twitter LinkedIn Mail Open / Close | [
"PRT"
] |
http://financial-dictionary.thefreedictionary.com/PTB | SC ( redirected from PTB Also found in : Dictionary Thesaurus Medical Acronyms Encyclopedia Wikipedia SC The two - character ISO 3166 country code for SEYCHELLES . Copyright ยฉ 2012 , Campbell R . Harvey . All Rights Reserved . 1 . ISO 3166 - 1 alpha - 2 code for the Republic of the Seychelles . This is used in international transactions to and from Seychellois bank accounts 2 . 3166 - 2 geocode Seychelles . This is used as an international standard shipping to Each district has its own with prefix " SC . " For example , District of Bel Air 3166 - 2 : SC - 09 . Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : Feedback TheFreeDictionary presents : Write what you mean clearly and correctly . References in periodicals archive The sample population included 905 sputum culture - positive PTB cases , 914 sputum culture - negative cases , and 1263 non - TB respiratory disease cases . Interferon - Gamma Release Assay is Not Appropriate for the Diagnosis of Active Tuberculosis in High - Burden Tuberculosis Settings : A Retrospective Multicenter Investigation A total of 228 cases of microbiologically confirmed or clinically diagnosed were encountered during the study period , of which 179 cases were new cases of clinically diagnosed with negative sputum smear and 49 were retreatment cases . Evaluation of cartridge based nucleic acid amplification test in diagnosis of pulmonary tuberculosis Out of 24 case - control studies conducted in different countries , 15 study reported positive association between PD and or PLBW with Odds Ratio ( OR ) ranging from 1 . Poor oral health as a predictor for preterm births : Do we need to revisit antenatal care guidelines for reducing preterm births ? Reflections from rural Gujarat 5 ] - attributable increment in , the rate of prematurity , and costs . Particulate matter exposure and preterm birth : estimates of U.S. attributable burden and economic costs Tracy Manuck , MD , MSCI , presents a comprehensive assessment of the economic impact of and the benefits of prevention Introduction The results showed that rs414171 A > T genotypes significantly decreased the risk of in codominant ( OR = 0 . Association of genetic polymorphisms of CISH with the risk of pulmonary tuberculosis in Zahedan , Southeast Iran 8 ) The diagnosis of at the time of presentation was based on Nigeria National Guidelines ( 9 ) which include clinical , chest radiograph features , sputum or gastric aspirate smear microscopy and history of TB contact for children with HIV . Prevalence of and risk factors for pulmonary tuberculosis among newly diagnosed HIV - 1 infected Nigerian children The results demonstrated that safe stimulation within acceptable limits does not increase the risk of and LBW , " she said . Ovarian stimulation within limits is safe The MCIA ' s current capacity of 8 million passengers per year is expected to leap to 15 million after Phase 1 of the current terminal ' s renovation and the construction of a second Construction of Mactan - Cebu Int ' l Airport yet to start a year from award sup ] [ 8 ] , [ 9 ] We report a case of KS with in a fertile male . Kartagener syndrome with pulmonary tuberculosis in a fertile male : A rare co - existence The present study holds practical value to investigate the performance and optimization of heat exchangers in air - heating applications , and determine the optimized volume of heat exchangers through comparisons to conventional metallic heat exchangers . Volume Optimization of Polymer Tube - Bundle Heat Exchangers in Air - Heating Applications Each brush head , whether it is a MTB or , is divided into 2 parts : the toe , located at the extreme end of the head , and the heel end closest to the handle ( Figure 1 ) . Catalogue of tooth brush head designs More results โบ Financial browser โฒ Proxy Committee Ballot Proxy contest Proxy Directive Proxy Fight Proxy Materials Proxy Solicitor Proxy statement Proxy Tax Proxy vote PRPs PRT prudent man rule Prudent - man rule Pruta PRY PS PSA PSA Prepayment Rate PSSG Psychic Income psychographic segmentation psychological pricing psychological test PT PTA Bank PTE PU Publ 1321 Publ 1345 Publ 1346 Publ 1431 Publ 1436 Publ 1437 Publ 1438 Publ 1450 Publ 1457 Publ 1458 Publ 1459 Publ 1460 Publ 1461 Publ 1468 Publ 1474 Publ 1476 Publ 1494 Publ 1516 Publ 1518 Publ 1524 Publ 1525 Publ 1542 Publ 1544 โผ Full browser โฒ PTARC ptarmic ptarmic ptarmigan ptarmigan Ptarmigan Telegraph Interface Equipment ptarmigans ptarmigans ptarmus PTAS PTAS Ptashnikov , Ivan Ptashnikov , Ivan Nikolaevich PTAT PTAT1 PTATC PTATF PTATS PtAu PTAV PTAVE PTAVP PTAW PTB W / J&C PTB - SC PTB - SC / SP PTBA PTBB PTBBA PTBBS PTBC PTBD PTBE PTBF PTBFC PTBG PTBI PTBK PTBL PTBN PTBNL PTBO PTBP PTBP - PG PTBP1 PTBR PTBRB PTBS PTBSC PTBT PTBV PTC PTC โผ Site : Follow : Facebook Twitter Rss Mail Share : Facebook Twitter LinkedIn Mail Open / Close | [
"PTB",
"Dictionary"
] |
http://financial-dictionary.thefreedictionary.com/Premium | premium Also found in : Dictionary Thesaurus Medical Legal Idioms Encyclopedia Wikipedia Premium ( 1 ) A bond sold above its par value ( 2 ) The price of an option contract also , in futures trading , the amount by which the futures price exceeds price of spot commodity . ( 3 ) For convertibles amount by which a convertible exceeds parity and is usually expressed as a percentage . Suppose stock is trading at $ 45 , and bond is convertible at $ 50 stock convertible bond trading 105 . A similar without conversion feature trades $ 90 . In this case , premium $ 15 , or 16.66 % = ( 105 - 90 ) / 90 . If high , trades like any fixed income bond ; if low , like stock . See : Gross parity net parity ( 4 ) For futures , excess fair value future over spot index in theory will equal Treasury bill yield for period to expiration minus expected dividend yield until future ' s expiration . ( 5 ) options , an option open market ( sometimes refers to portion that parity ) . ( 6 ) straight equity , higher than that last sale or inside market Related : Inverted market payback period Also called break - even time time it takes recover per share convertible security Copyright ยฉ 2012 , Campbell R . Harvey . All Rights Reserved . Premium 1 . The security especially but not necessarily its face value 2 . option contract 3 . payment policyholder makes , usually monthly , order be covered insurance policy 4 . extra return investor expects make from position exchange for accepting extra risk Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved 1 . option trades . size affected various factors including time expiration , interest rates , strike price , volatility underlying asset . Also called 2 . sells above face value . 3 . excess warrant theoretical value . 4 . sells same without feature would sell . Wall Street Words : An A to Z Guide to Investment Terms for Today ' s Investor by David L . Scott . Copyright ยฉ 2003 by Houghton Mifflin Company . Published by Houghton Mifflin Company . All rights reserved . Premium . purchase insurance policy annuity contract . You may pay as single lump sum , regular monthly quarterly installments , some cases on flexible schedule over term policy contract . When you pay time , may be fixed life policy , assuming coverage remains same . That ' s case with many permanent life insurance policies . With other types coverage , changes you grow older costs issuing company increase . Used another sense , term refers face value buy , receive from selling , investment . example , corporate with par $ 1,000 market $ 1,050 selling $ 50 premium . Dictionary of Financial Terms . Copyright ยฉ 2008 Lightbulb Press , Inc . All Rights Reserved . addition published LIST PRICE product charged supplier customer . could charged guaranteeing rapid delivery product , could reflect temporary scarcity product . โ premium price โ similar products might supplier who able convince buyers his product superior some respect competitors ' offerings . purchase BOND more than nominal people are prepared can more nominal if rate interest on current rates . sale new STOCKS SHARES enhanced price . In UK this involves issue new share Where shares have no it involves shares their current price . rating particular company ' s average other companies operating same sector , โ premium โ reflecting investors ' general optimism company likely perform much better others . foreign currency ' s spot exchange rate stands โ official โ par under FIXED EXCHANGE RATE system allows degree short - term fluctuation either side annual payment made INSURANCE COMPANY persons firms taking out policy . Collins Dictionary of Business , 3rd ed . ยฉ 2002 , 2005 C Pass , B Lowes , A Pendleton , L Chadwick , D O โ Reilly and M Afferson addition published LIST PRICE good service customers . express delivery reflect temporary scarcity product . โ premium price โ products might who able convince buyers his superior respect competitors โ offerings ( see PRODUCT DIFFERENTIATION ) . STOCKS SHARES enhanced UK issue countries where have no their particular company ' s issued average those companies operating area . higher , reflecting investors โ optimism about prospects . general rise prices all stocks higher levels anticipation upturn economy . BOND people are prepared can rates . extent foreign currency ' s EXCHANGE RATE rises official under FIXED EXCHANGE RATE SYSTEM annual made INSURANCE COMPANY policy . See also SPECULATIVE DEMAND FOR MONEY Collins Dictionary of Economics , 4th ed . ยฉ C . Pass , B . Lowes , L . Davies 2005 ( 1 ) An paid policy . ( 2 ) An advance several months even years rent landlord . ( 3 ) mortgage value . For example , if $ 100,000 mortgage can not prepaid bearing 10 percent when prevailing rates only 6 percent , investor $ 100,000 buy because high return . The Complete Real Estate Encyclopedia by Denise L . Evans , JD & O . William Evans , JD . Copyright ยฉ 2007 by The McGraw - Hill Companies , Inc . Mentioned in Act of God Bond Actuarial Cost Method actuary Add to Cash Value Option Additional Deposit Privilege Additional Premium Adjustable Life Insurance Adjustable Premium Adjusted Premium Method Adjusted Underwriting Profit Advance Premium Advance Premium Mutual Age Setback Annual renewable term insurance Assessable Insurance Assessable Mutual Assessment Company Assessment Period Attained Age Conversion References in periodicals archive Until now , content publishers have had to depend on their own individual marketing efforts to promote their services , " noted Cosentino , Congoo vice president / business development and formerly general manager of online business development at Advanstar . FREE DOWNLOADABLE BROWSER TOOLBAR AVAILABLE IN BETA VERSION Aside from the Federal income tax issues of these insurance arrangements , it is also important to understand that the premiums paid to a foreign insurer may be subject to Federal excise tax ( FET ) under Sec . Are taxpayers properly paying the federal foreign insurance excise tax ? RCMD is one of numerous brokers who offer financing via AFCO Credit Corp . Insurance assurance : premium financing provides both a safety net for insureds and client service for agents and brokers For multiemployer - plan companies that have defined benefit plans , the flat - rate premiums increase from $ 2 . Likelihood of higher PBGC premium hikes looms Another Rule of Thumb : A special report that did n ' t sell well when offered to subscribers will not be effective as a either for new orders or for renewals . Renewal premiums - - are they worth the expense ? The loan regime governs collateral assignment arrangements , where the nonowner ( the employer ) pays the on a policy the insured or the insured ' s donee owns . The final split - dollar regulations : the IRS offers up a complex array of rules Most insurers are looking to participate in this exposure through both underwriting disciplines and sharing ; the overriding concerns here are the credit risk of captives and the reinsurance receivables to which fronting carriers are exposes . The pluses and minuses of captives . ( Risk Management Survival Guide ) Does the have to relate to the product you are offering ? Specimen collection for electron microscopy Crooked employers will also misclassify workers in order to reduce costs . Cheap tricks The sharp increases in Medigap insurance are a threatening prospect for many Americans , ' ' said Families USA executive director Ron Pollack . SENIORS FACE SOARING MEDIGAP PREMIUMS Distilled spirits manufacturers say people are drinking less but drinking better , and ultra vodkas seem to bear that out . High - powered drinks : cost aside , ultra premium vodka is surging in popularity In the process , the disadvantaged fund becomes increasingly vulnerable to insolvency as its base declines . Statement to the Congress More results โบ Financial browser โฒ Preferred Dividend Coverage Ratio preferred equity Preferred equity redemption stock Preferred habitat theory Preferred Provider Organization Preferred Redeemable Increased Dividend Equity Security Preferred shares preferred stock Preferred stock agreement preferred stock ratio PREG Pregnancy Discrimination Act pre - IPO prelease Preliminary estimate preliminary expenses preliminary injunction preliminary prospectus preliminary scale preliminary title report Pre - Market Premature distribution premature exercise premises premises liability premium bond premium income premium put Premium Put Convertible Premium raid premium recovery period Pre - Money Valuation prenuptial agreement preopening indication prepackaged bankruptcy prepaid expense prepaid expenses prepaid interest prepaids prepayment prepayment clause Prepayment of Premiums prepayment option Prepayment penalty prepayment privilege prepayment risk Prepayment speed prepayments Prepetition Liability preplanning โผ Full browser โฒ Premises liability Premises liability Premises Splice Cabinet Premises Wire Distribution Room premises wiring Premises Wiring Distribution System premising premising premiss premiss premisses premisses Premisys Communication Inc . Premit premitochondria premitosis premitotic phase Premium Advertising Association of America Premium Aircraft Interior Group Premium Appliance Brands Limited Premium Asset Recovery Corporation Premium Automotive Group Premium Base Premium Bases Premium Blendstock for Oxygenate Blending Premium Bond Premium Bond Premium bonds Premium bonds Premium Bottled Ale Premium Browsable Content Premium Cash Journal Premium Cast Vinyl Permanent premium certificate Premium Color Ring Back Tone premium content premium deal Premium Deficiency Reserve Premium Deluxe Bark Collar Premium Deposit Reserve premium digital content Premium Disbursement Credit Premium Downloadable Content Premium Energy Management Services Premium Enterprise Services โผ | [
"premium",
"Dictionary"
] |
http://financial-dictionary.thefreedictionary.com/Publicly-traded+company | Publicly - Traded Company Also found in : Dictionary Thesaurus Legal Publicly - Traded Company A company issuing stocks which are traded on the open market either on a stock exchange or the over - the - counter market . Individual and institutional shareholders constitute owners of a publicly - traded company , in proportion to amount of stock they own as percentage all outstanding stock Thus , shareholders have final say in all decisions taken by publicly - traded company and its managers , especially through its annual shareholders ' meeting . Publicly - traded companies have greater access to financing than other companies , as they ability issue more stock . However , are subject greater regulation : for example , must file 10 - K reports with SEC their earnings more likely be subject corporate taxes A is also called public company . Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / Publicly - Traded + Company " > Publicly - Traded Company < / a > Mentioned in 10 - K Accrued Dividend Acquirer Adobe Systems , Inc . Advanced Companies Advisory Committee Agreed Bid Aktiengesellschaft Aktieselskab Annual Earnings Report Association of Publicly Traded Companies Average Shares Outstanding Back Door Listing Bank - based corporate governance system Board Insurer Buenos Aires Stock Exchange Bylaw Amendment Limitation CBV Total Cents per share Financial browser โฒ Publication 915 Publication 919 Publication 925 Publication 926 Publication 929 Publication 936 Publication 938 Publication 939 Publication 946 Publication 947 Publication 950 Publication 957 Publication 962 Publication 963 Publication 966 Publication 967 Publication 969 Publication 970 Publication 971 Publication 972 publicly held Publicly Traded Asset Publicly traded assets publicly traded company publicly traded fund Public - purpose bond PUD Puddee puffing Puke Pul Pula Pulgada Pull pull strategy Pullback Pulling in their horns Pulzier Pulzier Kubu Pulzier Kwadru pump and dump pump priming Pumping punch list Pund Pundion Punitive Tax Punt punter Puntti โผ Full browser โฒ Publicly traded company Publicly traded company Publicly traded corporation Publicly traded corporation publicly traded fund Publicly Traded Partnership Publicly Traded Partnership Publicly Traded Partnerships Publicly Traded Private Equity Publicly Visible Identifier Publicly - held Publicly - held Publicly - owned Publicly - owned Publicly - owned utility Publicly - owned utility Publicly - traded Publicly - Traded Asset Publicly - Traded Assets Publicly - traded companies Publicly - traded companies Publicly - Traded Partnership Publicly - Traded Partnerships Publicly - traded stock Publicly - traded stock publicness publicness Publico Decreto Fecerunt publics publics Publics and Practices in the History of the Present publicus Publiek Privaat Samenwerkingsverband Publiek - Private Samenwerking Publiekrechtelijke Bedrijfsorganisatie Publiez Ce Que Vous Payez Publiez Ce Que Vous Payez - Publiez Ce Que Vous Gagnez Publification Publification publish publish โผ Site : Follow : Facebook Twitter Rss Mail Share : Facebook Twitter LinkedIn Mail Open / Close | [
"Publicly-Traded Company"
] |
http://financial-dictionary.thefreedictionary.com/Qualified+Long-Term+Care | Qualified Long - Term Care Qualified Long - Term Care Non - taxable benefits one receives from a long - term care insurance policy covering a long - term , non - life - threatening condition . In order for the benefits to be non - taxable , one must require care for at least 90 days and must be unable to perform at least two of the activities of daily living Qualified long - term care was instituted in United States in 1997 . Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / Qualified + Long - Term + Care " > Qualified Long - Term Care < / a > Feedback TheFreeDictionary presents : Write what you mean clearly and correctly . References in periodicals archive Further , while health insurance premiums are not treated as qualified medical expenses according to IRS rules , premiums for Medicare Parts A and B , as well as qualified long - term care insurance premiums , are expenses that can be withdrawn tax - free . The HSA Priority : Rethinking Tax - Preferred Account Funding Strategies Even though long - term care is not medical treatment , the costs for qualified long - term care services of a chronically ill individual that are not covered by insurance , government benefits , or other sources can be treated as a deductible medical expense ( IRS Publication 502 ) . Financial , legal , and tax concerns about long - term care Beginning in 2010 , tax - free distribution status was given to both annuity assets and long - term care rider benefits used for a purpose . 6 guaranteed minimum living benefit riders Costs of services and , to a limited amount , premiums paid for insurance contracts Learn what expenses , such as medication and cost of care , you may be able to deduct this tax season Lincoln MoneyGuardA II provides income - tax - free reimbursements for expenses , an income - tax - free death benefit if care is not needed , or return of premium ( ROP ) options , which have expanded with MoneyGuardA II . United States : Lincoln Financial Group Introduces Next Generation Of Long Term Care Funding Solution , Lincoln MoneyGuardA II During " Phase I , " the expenses of a chronically ill covered person were paid up to a certain monthly cap until the value of the contract was reduced to zero . Annuities Seeking independent advice from a specialist is a good place to start . Plenty of options for funding old - age care Amounts paid for services are deductible as medical expenses under Sec . Deduction allowed for payments to long - term caregivers Internal charges to pay the insurance rider in a life insurance policy or annuity are no longer treated as taxable distributions . Linked benefit products : breathe new life into LTC market However , a notable exception allows reimbursement for premiums paid for a insurance contract . Chapter 13 : Health insurance The only insurance protection provided under the contract is coverage of services ( see Q 341 ) . Part V : long - term care insurance Now the Pension Protection Act of 2006 allows for tax - free withdrawals from annuities with benefits . The drawing board : long - term care annuity writers adopt distinct strategies in designing their hybrid products for niche markets More results โบ Financial browser โฒ Qualification Ratios Qualification Requirements Qualified Qualified Acceptance Qualified Acquisition Cost Qualified Adoption Expenses qualified buyer Qualified Charitable Organization Qualified Charity Qualified Circulation Qualified Default Investment Alternative Qualified Discount Rate Qualified Distribution Qualified Dividend Qualified Domestic Relations Order Qualified domestic trust Qualified endorsement Qualified Funeral Trust Qualified Gracing Qualified Higher Education Expense Qualified Impairment Insurance qualified institutional investor qualified intermediary Qualified Lead qualified leasehold improvement property Qualified Mail qualified opinion Qualified Pension or Profit - Sharing Plan Qualified Personal Residence Trust qualified plan Qualified plan or trust Qualified Prospect qualified real estate professional Qualified Replacement Property Qualified Residence Qualified Residence Interest Qualified retirement plan Qualified Savings Bond Qualified Settlement Fund Qualified Special Representative Agreement Qualified Terminable Interest Property Trust Qualified Thrift Lender Qualified total distribution Qualified Trust qualifying annuity qualifying broker Qualifying Child for the Earned Income Credit qualifying dividends Qualifying Loss Qualifying Person โผ Full browser โฒ Qualified Institutional Buyers qualified institutional investor Qualified Institutional Investors Qualified Institutional Placement Qualified intermediary Qualified intermediary Qualified Intermediary Agreement Qualified Internet Communications Provider Qualified Investigator Undertaking Qualified Investment Buyer Qualified Investment Buyers Qualified Investment Fund Qualified Joint and Survivor Qualified Joint and Survivor Annuities Qualified Joint and Survivor Annuity Qualified Joint and Survivor Annuity Qualified Joint Venture Qualified Kindergarten Teacher Qualified Laboratories List Qualified Launch Program Qualified Lawyers Transfer Test Qualified Lead Qualified Leads qualified leasehold improvement property Qualified Legal Compliance Committee Qualified Licensed Professional Engineer Qualified Local Government Qualified Logical Link Control Qualified Long Term Care Qualified Loss Qualified Loss Management Program Qualified Losses Qualified Low Income Taxpayer Clinic Qualified Low - Income Community Investments Qualified Mail Qualified majority Qualified majority Qualified majority voting Qualified majority voting Qualified Manufacturer ' s List Qualified Manufacturing Line Qualified Manufacturing Plants Qualified Marketing Director Qualified Matching Contributions Qualified Matching Employer Contribution Qualified Materials List qualified me as qualified me for Qualified Medical Child Support Order Qualified Medical Evaluator Qualified Medical Examiner Qualified Medical Exams Qualified Medical Expenses Qualified Medical Interpreter Qualified Medical Personnel Qualified Medical Physicist Qualified Medical Physics Specialist โผ Site : Follow : Facebook Twitter Rss Mail Share : Facebook Twitter LinkedIn Mail Open / Close | [
"Long-Term Care",
"insurance policy",
"United States"
] |
http://financial-dictionary.thefreedictionary.com/Release+clause | release clause Release clause A mortgage provision that releases a pledged asset after a certain portion of the total payments has been made . Copyright ยฉ 2012 , Campbell R . Harvey . All Rights Reserved . Release Clause In some mortgages clause allowing part of the property that has been pledged to have its lien removed once borrower made defined number payments on mortgage . Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved release clause A mortgage clause allows partial release some collateral when borrower pays off portion loan . Typically found in subdivision development mortgages , because development lender must release its lien in order for purchaser - homeowner to secure his or her own first financing . The Complete Real Estate Encyclopedia by Denise L . Evans , JD & O . William Evans , JD . Copyright ยฉ 2007 by The McGraw - Hill Companies , Inc . Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / release + clause " > release clause < / a > Mentioned in Release Financial browser โฒ Reinvestment Stock Reinvoicing center REIS reissue rate REIT Rejection related party transactions Related - Party Transaction relation back doctrine Relational Banking relationship chart relationship trading Relative form of purchasing power parity Relative PE Relative purchasing power parity Relative Return relative strength Relative strength index relative strength indicator Relative value Relative yield Relative yield spread relative - income hypothesis relativities Release release of lien Release on Recognizance relevant cash flows Relevant Costs reliability reliction Relief Relief Printing Relief Rally Religious Land Use and Institutionalized Persons Act of 2000 relinquished property Reliquify Reload Option Reload Stock Option Reloading relocation clause relocation exception relocation network relocation service remainder Remainder Man remainderman remaining balance remaining economic life Remaining maturity โผ Full browser โฒ Release ( album ) Release ( album ) Release ( phonetics ) Release ( phonetics ) Release 1 release adiabat Release After Reception Release After Transmision Release agent release agents release altitude release altitude Release and Pollution Prevention Report Release Application Aborts Release Authorization Notice Release Authorization Number Release candidate Release candidate Release Candidate 0 Release Candidate 2 Release Candidate 3 Release Candidate 6 Release Candidate 7 Release Candidate 8 Release Candidate One Release Clauses Release Complete Release Complete Message release conditionally Release Coordinator Release Early , Release Often Release Engagement Mechanism Release engineering Release Engineering Team Release Escape Mechanism Release factor Release factor Release Factor 1 Release Factor 3 Release for Announcement Release For Construction Release For Delivery release fracture release from Release From Active Duty release from an obligation release from attachment release from bondage release from charge release from custody release from debt โผ | [
"Release clause",
"Dictionary"
] |
http://financial-dictionary.thefreedictionary.com/Residual+Fee | SAG Fee ( redirected from Residual Fee SAG Fee A fee paid to an actor or other performer for a rerun of a program in which he / she was part of the cast . An advertiser or broadcaster may pay the fee , which is set in union contract . It is also called residual fee . Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / Residual + Fee " > SAG Fee < / a > Mentioned in residual Residuals Re - Use Fee Financial browser โฒ Reset Bond Reset bonds Reset frequency Reset Margin reset note residence Residency Visa resident agent Resident Alien resident manager residential residential broker Residential Communities Initiative residential development residential mortgage Residential mortgage backed securities Residential Mortgage - Backed Security residential property Residential Sales Council residential service contract Residual assets Residual claim Residual cover Residual dividend approach Residual Fee Residual method Residual Return Residual risk residual security residual unemployment residual value Residuals residuary Resiliency Resistance resistance level Resolution Resolution Funding Corporation Resolution Trust Corporation resource resource allocation resource based theory of the firm Resource Conservation and Recovery Act resource recovery revenue bond resource - based theory of the firm Resourcing RESPA Respite Care respondeat superior Respondent โผ Full browser โฒ residual cyst residual deflection residual deformation Residual Demand Hop - Count Product residual dental arch residual dental arch residual dental caries residual deviation Residual dipolar coupling residual disease Residual Disinfectant Concentration Residual Dispersion per Span Residual dividend approach Residual Dividend Approaches residual dome residual dose contamination Residual Dwelling Site Opportunity Residual Efficient Organization residual elements Residual Equipment Return Loss Residual error Residual error residual error rate residual error ratio residual estate Residual Excited Linear Prediction Residual Fees residual field Residual figure Residual flux density residual forces Residual Frame Error Rate residual free gas Residual Frequency Offset Residual fuel Residual fuel residual fuel and oil Residual fuel oil Residual fuel oil residual function Residual Functional Capacity Residual Functional Liver Volume Residual gas analyzer Residual Gases Residual Glomerular Filtration Rate Residual Government Organization Residual Health Management Unit residual hearing residual hearing Residual Heat Removal Residual Heat Removal System Residual hypertension โผ Site : Follow : Facebook Twitter Rss Mail Share : Facebook Twitter LinkedIn Mail Open / Close | [
"SAG Fee",
"union contract",
"residual fee"
] |
http://financial-dictionary.thefreedictionary.com/Residual+Fees | SAG Fee ( redirected from Residual Fees SAG Fee A fee paid to an actor or other performer for a rerun of a program in which he / she was part of the cast . An advertiser or broadcaster may pay the fee , which is set in union contract . It is also called residual fee . Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / Residual + Fees " > SAG Fee < / a > Feedback TheFreeDictionary presents : Write what you mean clearly and correctly . Mentioned in residual Residuals Re - Use Fee References in periodicals archive Beyond the health plan , the WGA hopes to make progress on bringing residual fees for work for pay cable and basic cable reruns up to parity with broadcast fees . Guilds gird for contract talks : DGA , WGA , SAG - AFTRA have varying strategies for AMPTP negotiations Robyn will also receive half of Gibson ' s residual fees for all the films he made during their marriage . You may take my pounds 271m . .but you ' ll never take my freedom ; EX FACTOR BRAVEHEART STAR ' S WIFE GETS DIVORCE FORTUNE All Future are incl in the sale ( $ 2,800,000 ) . Business For Sale ; 72 - - Personal Services ; DEBT COUNSELING SERVICE SAG also has been pressing for an increase in the actors earn from TV shows and movies sold on DVD . Hollywood rivals clash Besides seeking a larger share of entertainment dollars generated on the Internet , SAG leaders say they want to increase the actors earn for films and TV shows sold on DVDs - - a demand writers were forced to abandon . Hollywood studios issue warning on actors talks You may also have or income that can carry you over until your new income is consistent . Five things you can do to change your career Similarly , the parties to a Webcasting license should negotiate appropriate indemnification for any liability to actors or other talent depicted in licensed video material based on the failure to pay to such persons for global multiple transmission of the material . Webcasting and U.S. law Nureyev was receiving his first for his ballets ( he received a fee every time the Royal performed his version of the Bayadere Kingdom of the Shades scene ) and a record $ 42,000 annual salary with the Royal . The merchant prince of ballet The scribes are still smarting from their decision nearly 25 years ago to not aggressively pursue sizable on homevid sales . TV : land of unfulfilled prophecies : WGA strike illustrates perils of prediction SSFS Merchant Services will collect on the charges for the processing services provided . Single Source Subsidiary Signs Deal With USXP ' s Private Postal Network If the referred visitor becomes a Listing Company , the Portal Partner that made the referral will receive twenty percent ( 20 % ) of the initial and paid to HBX200 by the Listing Company . Hitsgalore . com Launches Portal Partner ' Program ; New HBX2000 Program Enables Web Sites to Leverage Databases MBTI ' s AgriMall web site achieved 160 web hosting contracts , ranging from $ 500 to $ 30,000 in development fees , plus of $ 79 . MBT International Announces Record Sales From Internet Properties Boosts Advertising And Marketing Revenues More results โบ Financial browser โฒ Reset Bond Reset bonds Reset frequency Reset Margin reset note residence Residency Visa resident agent Resident Alien resident manager residential residential broker Residential Communities Initiative residential development residential mortgage Residential mortgage backed securities Residential Mortgage - Backed Security residential property Residential Sales Council residential service contract Residual assets Residual claim Residual cover Residual dividend approach Residual Fees Residual method Residual Return Residual risk residual security residual unemployment residual value Residuals residuary Resiliency Resistance resistance level Resolution Resolution Funding Corporation Resolution Trust Corporation resource resource allocation resource based theory of the firm Resource Conservation and Recovery Act resource recovery revenue bond resource - based theory of the firm Resourcing RESPA Respite Care respondeat superior Respondent โผ Full browser โฒ residual deflection residual deformation Residual Demand Hop - Count Product residual dental arch residual dental arch residual dental caries residual deviation Residual dipolar coupling residual disease Residual Disinfectant Concentration Residual Dispersion per Span Residual dividend approach Residual Dividend Approaches residual dome residual dose contamination Residual Dwelling Site Opportunity Residual Efficient Organization residual elements Residual Equipment Return Loss Residual error Residual error residual error rate residual error ratio residual estate Residual Excited Linear Prediction Residual Fee residual field Residual figure Residual flux density residual forces Residual Frame Error Rate residual free gas Residual Frequency Offset Residual fuel Residual fuel residual fuel and oil Residual fuel oil Residual fuel oil residual function Residual Functional Capacity Residual Functional Liver Volume Residual gas analyzer Residual Gases Residual Glomerular Filtration Rate Residual Government Organization Residual Health Management Unit residual hearing residual hearing Residual Heat Removal Residual Heat Removal System Residual hypertension Residual hypertension โผ Site : Follow : Facebook Twitter Rss Mail Share : Facebook Twitter LinkedIn Mail Open / Close | [
"SAG Fee"
] |
http://financial-dictionary.thefreedictionary.com/Roth+IRA | Roth IRA Also found in : Dictionary Wikipedia Roth IRA Individual Retirement Account that allows contributors to make annual contributions and to withdraw the principal and earnings tax - free under certain conditions . Maximum annual contributions are $ 3,000 per year ( phasing up $ 4,000 per year in 2005 $ 5,000 in 2008 . Copyright ยฉ 2012 , Campbell R . Harvey . All Rights Reserved . An investment retirement account which a worker makes non - tax deductible up a certain limit throughout his / her working life . Unlike traditional IRAs withdrawals are tax - free but not deductible . The limit varies by according inflation ( $ 5,000 2008 2009 ) . Roth IRAs allowed invest securities and , practice , normally own common stock certificates of deposit See also : 401 ( k ) Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved A special type of individual retirement account which made with aftertax dollars but distributions so long as requirements including holding period age met . All earnings within the account free of taxation . Case Study Roth IRAs allow an contribution retirement account , unlike regular IRA contribution is never tax - deductible . Rather , distributions from IRA generally tax - free , so long as criteria met . Individuals their spouses eligible invest their adjusted gross income meets stated guidelines . Tax - free withdrawals permitted if investor holds for at least five years from date was opened is at least age 59 1 2 A withdrawal $ 10,000 permitted for first - time home purchase required five - year minimum holding period Distributions prior 59 1 2 not taxable only with respect contributions . In other words , you can always withdraw prior without tax or penalty , substantial advantage compared regular IRA . Withdrawals interest taxable subject 10 % penalty unless money withdrawn because death , total disability , purchase first home ( up $ 10,000 ) , higher - education expenses , medical expenses excess 7.5 % adjusted gross income , or health insurance premiums unemployed individuals . Should I choose IRA ? The hands - down favorite IRA . Now , money that goes into is n ' t taxed until withdrawal after funded aftertax dollars , no taxes levied on gains when taken out during retirement . One way look tradeoff decide whether you ' ll be lower tax bracket your golden years . If so , you might want lean toward However , will accumulate more savings if your bracket remains same ticks up . carries other advantages weigh heavily its favor . Among them : With must start withdrawing 70 Not Roth . You can take out free penalty ( but gains ) any time any reason . income eligibility requirements more generous than traditional There number calculators on Internet comparing two products . Christopher Farrell , Economics Editor , Minnesota Public Radio , heard nationally Sound Money ยฎ Wall Street Words : An A to Z Guide to Investment Terms for Today ' s Investor by David L . Scott . Copyright ยฉ 2003 by Houghton Mifflin Company . Published by Houghton Mifflin Company . All rights reserved . Roth IRA . variation traditional individual arrangement ( IRA ) . Because made after - tax dollars , allows completely time after reach 1 / 2 , provided has been open five years . You may also be able earlier without qualify exceptions , such using $ 10,000 toward first home . And since has no required withdrawals , continue accumulate like . make nondeductible contribution , federal limit , have earned income , even 70 1 / 2 , though never contribute than earn . If 50 older , may also catch - up contributions . To full IRA , modified ( MAGI ) must less set by Congress . partial sliding scale MAGI between amounts Congress sets filing status . These limits lower file single you ' re married file joint return . qualify convert MAGI convert less cap , currently $ 100,000 , applies whether single married . amount you ' re converting included total . Dictionary of Financial Terms . Copyright ยฉ 2008 Lightbulb Press , Inc . All Rights Reserved . Contributions IRAs , were introduced 1998 , deductible . Earnings grow qualified free . Copyright ยฉ 2008 H&R Block . All Rights Reserved . Reproduced with permission from H&R Block Glossary Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / Roth + IRA " > Roth IRA < / a > Mentioned in 401 ( k ) After - tax contribution after - tax income CATS Certificate of Accrual on Treasury Securities CollegeSure ยฎ CD Conduit IRA Form 5305 - R Form 5305 - RA Form 5305 - RB Form 5498 Individual Retirement Account Individual Retirement Account Rollover Individual retirement arrangement IRA rollover Nondeductible contribution Ordering Rules pension rollover Financial browser โฒ rolling stock Rolling the Tortoise rolling up rollout marketing Rollover rollover home sale Rollover IRA rollover loan Rollover Mortgage rollover risk Roll ' s Critique roll - up ROM Romanian Leu Rome Convention RON Rood roof rights ; roof rental Roosevelt Dime root deed Ross , Stephen Rotating Shift Rotation Rotation of Directors Roth 401 ( k ) Roth IRA Conversion Rough Cut Round lot round trip Round Trip Transaction Costs round turn rounded bottom rounded top Round - trip trade Round - Trip Trading Round - trip transactions costs Round - turn Route Type row house Rowan Royal Australian Mint Royal Bank of Scotland Royal Canadian Mint Royal Canadian Mounted Police Royal College of Nursing Royal Cubit Royal Dutch Mint Royal Mint royalties royalty โผ Full browser โฒ rotgut rotgut Roth 401 ( k ) Roth 401 ( k ) Plan Roth 401 ( k ) Plans Roth 401 ( k ) s Roth 401 ( k ) Roth 401 ( k ) Plan Roth 401 ( k ) Plans Roth 401 ( k ) s Roth 401k Roth 401k Plan Roth 401k Plans Roth 401ks Roth Conversion Roth disease Roth Individual Retirement Account Roth Individual Retirement Account Roth Individual Retirement Accounts Roth Individual Retirement Accounts Roth Individual Retirement Plan Roth Individual Retirement Plan Roth Individual Retirement Plans Roth Individual Retirement Plans Roth Investor Relations , Inc . Roth IRA Conversion Roth IRAs Roth IRAs Roth Philip Milton Roth sign Roth spot Roth spots Roth spots Roth v . United States Roth v . United States Roth vs . U.S . Roth vs . U.S . Roth Williams International Society of Orthodontists Roth ' s s Roth ' s s Roth ' s spot Roth ' s spots Roth ' s spots Roth , Alvin Elliot Roth , Bookstein and Zaslow LLP Roth , Cecil Roth , Emery Roth , Frederick George Richard Roth , Henry โผ | [
"Roth IRA"
] |
http://financial-dictionary.thefreedictionary.com/Taxpayer+Advocate+Service | Taxpayer Advocate Service Also found in : Acronyms Wikipedia Taxpayer Advocate Service An office within the IRS that provides free assistance to individual and corporate taxpayers who are experiencing trouble with the IRS If one is facing immediate action and has experienced a delay of at least 30 days ( or has not resolved problem by a promised date ) , Taxpayer Advocate Service may be able to stop asset seizures similar measures while one ' s case is being processed . It was established in 1996 . Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / Taxpayer + Advocate + Service " > Taxpayer Advocate Service < / a > Feedback TheFreeDictionary presents : Write what you mean clearly and correctly . Mentioned in Form 911 Publ 1546 Publ 1546 - EZ Publ 4346 - F Publication 1 Publication 1546 Publication 1546 - EZ Publication 1546 - P Publication 4446 Publication 4701 Publication 4921 References in periodicals archive A recent study of enforcement activity shows the pitfalls of focusing on widget - counting as evidence of the IRS ' s effectiveness in increasing compliance . Minding the gap : a ten - step program for better tax compliance employees assist taxpayers experiencing economic harm , who are seeking help in resolving tax problems that have not been resolved through normal channels or who believe an IRS system or procedure is not working as it should . Taxpayer help from the IRS Since 2001 , she has led the ( TAS ) , a nationwide organization of approximately 2,000 taxpayer advocates who help U . Nina Olson : taxpayers ' voice at the IRS During FY 2011 , the ( TAS ) is planning to study the impact of the new reporting requirement more closely and , depending on what the study finds , may propose administrative or legislative recommendations to modify the provision or suggest that Congress consider less burdensome tax gap proposals to replace it . National taxpayer Advocate Annual Report John Tam , acting area 7 director for the ( TAS ) , explained that the TAS is an independent organisation within the IRS , led by the National Taxpayer Advocate that helps individual and business taxpayers resolve problems with he IRS by : Acronymic assembly : COT - IRS annual meeting The ( TAS ) is responsible for assisting taxpayers to resolve their problems with the IRS , identifying taxpayer problem areas , and recommending IRS administrative changes or legislative solutions to correct those problems . National Taxpayer Advocate Nina Olson helps solve taxpayer problems with IRS The , an independent office within the IRS that works to protect individual taxpayer rights , has reported that the cost - basis service " can reduce taxpayer burden by streamlining documentation of cost - basis calculations during audits and can create a reliable standard for taxpayers , preparers and the IRS . Cost - Basis Tax Reporting Gets Easier : DTCC and NetWorth Join to Offer New Tools has revealed a little more information about how the Internal Revenue Service is handling Affordable Care Act tax provision administration , in a new report on IRS efforts to meet its objectives for federal fiscal year 2017 . 7 must - know new ACA tax administration facts 7811 , the nine - month statute of limitation on fifing a suit for wrongful levy was tolled while the taxpayer had an application for a Taxpayer Assistance Order pending with the Fifth Circuit : " taxpayer " means a person who pays tax Also among witnesses in the congressional hearing was National Taxpayer Advocate Nina Olson , who said the ( TAS ) she heads has also seen a surge in identity theft cases , with a 97 % increase in fiscal year 2011 over fiscal year 2010 ( see graphic , " Identity Theft Now Top TAS Issue " ) . TIGTA , Congress target identity theft A last resort for tax preparers assisting with an identity theft problem is to contact the National Taxpayer Advocate ' s office and IRS ( TAS ) . Helping taxpayers who are victims of identity theft Publicizing the taxpayer advocate service , particularly among low - income groups . IRS talks enforcement : annual liaison meeting tackles all , from Appeals to POAs More results โบ Financial browser โฒ Tax - Deferred Contribution tax - deferred exchange tax - deferred income Tax - Deferred Retirement Plan Tax - deferred retirement plans tax - efficient fund Tax - efficient funds Tax - Equivalent Income tax - equivalent yield tax - exempt bond Tax - Exempt Commercial Paper Tax - Exempt Income Tax - exempt income fund Tax - Exempt Interest tax - exempt money market fund Tax - Exempt Property Tax - exempt sector Tax - exempt security tax - free exchange tax - free income Tax - Free Investment tax - loss selling tax - managed mutual fund Tax - neutrality Taxpayer taxpayer identification number Taxpayer Relief Act of 1997 tax - sheltered annuity tax - sheltered income Tax - timing option Taylor rule Taylors Rule TBA TC TCA TCD TD TD Ameritrade TDR Tea Money team briefing team production team selling tear sheet Teaser rate Tech Street technical advice memorandum Technical analysis Technical Analyst Technical analysts โผ Full browser โฒ Taxonomy of the Violaceae Taxonomy of the Violaceae Taxonomy Online Taxonym Taxophytina Taxophytina Taxoplasma Taxoprexin DHA - paclitaxel Taxopsida Taxopsida Taxor taxospecies Taxotere Taxotere as Adjuvant Chemotherapy Trial Taxotere , Adriamycin and Cyclophosphamide Taxotere , Carboplatin , and Herceptin taxpaid taxpayer taxpayer Taxpayer Account Data Base Taxpayer Action Group Taxpayer Advocacy Panel Taxpayer Advocacy Program Taxpayer Advocate Taxpayer Advocate Management Information System Taxpayer Assets Project Taxpayer Assistance Center Taxpayer Assistance Order Taxpayer Bill of Rights Taxpayer Bill of Rights Taxpayer Bill of Rights 2 Taxpayer Compliance Measurement Program Taxpayer Compliance Program Taxpayer Delinquent Account Taxpayer Education Taxpayer Education and Communication Taxpayer Education and Counseling Taxpayer Education Publications Service Taxpayer Identification Number Taxpayer Identification Number Taxpayer Identification Numbers Taxpayer Information File Taxpayer Information File Format Taxpayer Information Publications Service Taxpayer Notice Code Taxpayer Protection and Assistance Act of 2005 Taxpayer Refund and Relief Act of 1999 Taxpayer Registration Number Taxpayer Relief Act Taxpayer Relief Act of 1997 Taxpayer Service โผ Site : Follow : Facebook Twitter Rss Mail Share : Facebook Twitter LinkedIn Mail Open / Close | [
"Taxpayer Advocate",
"corporate taxpayers",
"Acronyms"
] |
http://financial-dictionary.thefreedictionary.com/Temporarily+Restricted+Net+Assets | Temporarily Restricted Net Assets Temporarily Restricted Net Assets Cash or other assets that are not needed to pay liabilities but still may not be spent freely for a period of time . Temporarily restricted net assets may be earmarked for a specific purpose ; alternately , law or regulation require the restriction of some net until certain benchmarks are met . Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / Temporarily + Restricted + Net + Assets " > Temporarily Restricted Net Assets < / a > Feedback TheFreeDictionary presents : Write what you mean clearly and correctly . Mentioned in Permanently Restricted Net Assets Restricted Net Assets References in periodicals archive The schedules of unrestricted , board designated net assets and the schedules of temporarily restricted net assets shown on pages 20 - 23 are presented for purposes of additional analysis and are not a required part of the financial statements . INDEPENDENT AUDITORS ' REPORT Temporarily restricted net assets include net assets subject to donor - imposed stipulations that may or will be met by actions of the Society and / or the passage of time . INDEPENDENT AUDITOR ' S REPORT Temporarily restricted net assets released from restriction consist of the following for the years ending April 30 : Annual Report 2016 - 17 : Independent Auditors ' Report , Combined Financial Statements and Supplementary Information Although the donor did not provide the funds , its requirement to maintain a major repairs and replacements account is a donor - imposed stipulation on the use of resources ; accordingly , Delta recorded the $ 250,000 as temporarily restricted net assets and restricted cash . Implementing ASU 2016 - 14 on the Presentation of Not - for - Profit Financial Statements : changes aim to provide more relevant information and perspective 117 Total Current Liabilities $ 388,470 LONG - TERM LIABILITIES Postretirement health benefits obligations $ 136,275 NET ASSETS Unrestricted net assets 340,778 Life members net assets - 0 - Total Net Assets $ 865,523 TOTAL LIABILITIES AND NET ASSETS $ 865,523 TOTAL REVENUE $ 1,385,613 TOTAL EXPENSES $ 1,915,432 REVENUE OVER EXPENSE AND SUPPORT $ ( 529,819 ) Table 1 . Financial report fiscal 2016 2 million and declined $ 632,000 . Independent sector cuts 25 % of staff Table 1 Medical Library Association schedule of changes in net assets by fund year ended December 31 , 2015 Net assets Contributions January 1 , 2015 and other revenue Unrestricted net assets General operating $ ( 175,700 ) $ 2,738,450 Loss on disposal of property - - - - and equipment Total general operating ( 175,700 ) 2,738,450 Other funds : Association stabilization 1,487,423 - - Capital equipment 2,228 - - Special purpose - - - - Sections 368,674 48,837 Total unrestricted net assets $ 1,858,325 $ 48,837 Ysabel Bertolucci MLA Annual 946 - - Meeting Grant Endowment Estelle Brodman Award for the 40,927 - - Academic Medical Librarian of the Year Endowment Naomi C . 2015 audited schedule of changes in net assets are those whose use has been restricted or that have been limited by donors to a specific time period or purpose . Music library association : notes to financial statements June 30 , 2011 are available as follows at July 31 , 2011 : RI Founding Donor Fund 247,844 Fosters Charitable 379,835 Purpose - Restricted Contributions 68,466 Appreciation of Restricted Funds 195,313 Grants Fund 1,586,719 Campaign for CLF 2,123,164 $ 4,601,341 Permanently Restricted Net Assets are as follows at July 31 , 2011 : The advocates Endowment 952,545 Urgent Action Fund 494,189 Beneficial Interest in Trust 158,418 The Brush Fund 130,121 Dave Cavers Fund 453,355 Keith Lane Miller , Esq . Financial statement all revenues , expenses , gains , and losses that are not changes in permanently or , and reclassifications from ( or to ) other classes of net assets ( SFAC # 6 , paragraph 94 ) . Children and Family Service Center case study When a restriction expires , are reclassified to unrestricted net assets . The Renaissance Society of America financial statements and supplementary information : December 31 , 2006 and 2005 Financial statement presentation : The Association is required to report information regarding its financial position and activities in three classes of net assets : unrestricted net assets which have no donor - imposed restrictions , which have donor - imposed restrictions that will expire in the future , and permanently restricted net assets which have donor - imposed restrictions which do not expire . Music Teachers National Association , Inc . Consolidated Statement of Financial Position June 30 , 2006 More results โบ Financial browser โฒ technological - gap theory technology Technology Company technology transfer TED spread Ted Turner TEDIS Teenage Scribblers Teenie Teeny Tefach TEFRA Tehsil Tel Aviv Stock Exchange telecommunication Telecommunications Act of 1996 Telecommunications Consumer Protection Act of 1991 Telephone Banking telephone booth Telephone Consumer Protection Act telephone selling telephone switching Teletubbie temporal method Temporarily Restricted Funds Temporary Account Temporary Assets Temporary Assignment Temporary Buydown Temporary Financing Temporary investment Temporary Lender Temporary Liquidity Guarantee Program temporary restraining order temporary work Ten largest holdings Ten Windows tenancy tenancy at sufferance tenancy at will tenancy by the entireties tenancy by the entirety tenancy for life tenancy for years tenancy in common tenancy in severalty Tenancy - in - common Tenant Tenant at Will tenant improvement allowance โผ Full browser โฒ temporamandibular joint disease Temporamandibular Joint OrthoCeph Slimline Cassette System Temporaneous temporaries temporaries temporarily temporarily Temporarily Absent Temporarily Disqualified Temporarily Divorced for a Year Temporarily Doing Business As temporarily established temporarily filled military post Temporarily Flooded Forest Alliance Temporarily Medically Unfit Temporarily Not Available Temporarily Obligated Peasants Temporarily Obsolete Abandoned Derelict Site Temporarily on Academic Duty Temporarily Out of Print Temporarily Out of Service Temporarily Out of Stock Temporarily Restricted Funds Temporarily Restricted Net Asset Temporarily Shared Social Reality Temporarily Unaccounted for temporariness temporariness temporary temporary Temporary & Geographical temporary absence temporary accommodation Temporary Account Temporary Accounts Temporary Accumulation Area Temporary Active Duty Temporary ad hoc rainbow coalition Temporary Additional Duty Temporary Additional Duty in Connection With Temporary Additional Duty Management Information System Temporary Additional Duty Travel Target Temporary Additional Duty Under Instruction Temporary Additional Responsibility Allowance Temporary Adequate Episcopal Oversight Temporary Adjustable Defibrillation Electrode Temporary Administrative Assignment Temporary Admission Regime Temporary Agency Work โผ Site : Follow : Facebook Twitter Rss Mail Share : Facebook Twitter LinkedIn Mail Open / Close | [
"Temporarily restricted net assets",
"Dictionary"
] |
http://financial-dictionary.thefreedictionary.com/Total+fixed+cost | fixed cost ( redirected from Total fixed cost Also found in : Dictionary Thesaurus Encyclopedia Fixed cost A cost that is fixed in total for a given period of time and for given production levels . Copyright ยฉ 2012 , Campbell R . Harvey . All Rights Reserved . Fixed Cost An expense that does not change from time period to period . For example , a company may rent piece of property $ 4,000 per month . A company often prefers to have fixed costs because they reduce uncertainty , but this is not always possible . Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved fixed cost cost remains unchanged even with variations in output . An airline with 20 airplanes has the costs depreciation and interest ( if the planes are partially financed debt ) , regardless number times planes fly or number seats filled on each flight . Firms high tend engage price wars cutthroat competition because extra revenues incur little extra expense . These firms tend experience wide swings profits . Compare variable cost Wall Street Words : An A to Z Guide to Investment Terms for Today ' s Investor by David L . Scott . Copyright ยฉ 2003 by Houghton Mifflin Company . Published by Houghton Mifflin Company . All rights reserved . Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / Total + fixed + cost " > fixed cost < / a > Facebook Twitter Mentioned in absorption costing activity - based costing average cost average fixed cost average - cost pricing barriers to exit breakeven break - even breakeven analysis Break - even analysis Break - Even Equation Cash flow break - even point contribution cost - based pricing event risk fixed costs fixed expenses fixed factor input Financial browser โฒ topography topper fee topping off Topping out tornado bait Toronto Stock Exchange Toronto Terms Torpedo Stock Torrens certificate Torrens registration Torrens system tort Toshihiko Fukui Total Total Annual Loan Costs total asset turnover total assets total capitalization total cost Total Cost of Ownership Total Debt to Total Assets Total debt - to - equity ratio Total dollar return Total Enterprise Value Total Expense Ratio Total fixed cost Total Interest Payments total inventory Total Liabilities Total Loss Only Insurance Total Market Capitalization total physical product total product total productive maintenance total quality management Total Reserves total return Total return for calendar year Total return index Total Return Swap total revenue Total risk total shareholder return total utility total volume Tote a Note Totten trust Touch , the Touchline Tough on price Tour of Duty โผ Full browser โฒ Total Female First Marriage Rate Total fertility rate Total fertility rate total fertilization failure Total Fibrin / Fibrinogen Degradation Products total fibrinolytic activity of the urine Total Field Total Field Of View Total Field / Scattered Field total fighting Total Film total filter total filter total filtration total final consumption Total Final Energy Consumption Total Final Report Total Financial Group Total Financial Solutions Australia Total Finished Living Area Total Fire Ban Total Fishing Gear Total Fixed Assets Total Fixed Charge Coverage Total fixed costs Total fixed costs Total Fixed Remuneration Total Flight Restriction total float Total Flow Area Total Fluid Requirement Total Flux Photometric Reference Total Focal Deviation Total Folate Binding Capacity Total Food Service Management Total Football Total Force Absorption Program Total Force Administration System Total Force Advance Distributed Learning Action Team Total Force Assessment Total Force Authorizations and Requirements System Total Force Awareness Training Total Force Branch Total Force Capability Assessment Total Force Data Warehouse Total Force Development Total Force Development Committee Total Force Initiative Total Force Integration Total Force Integration Office Total Force Manpower Management System Total Force Manpower Models Reengineering Total Force Manpower Requirements Database โผ Site : Follow : Facebook Twitter Rss Mail Share : LinkedIn Mail Open / Close | [
"fixed cost"
] |
http://financial-dictionary.thefreedictionary.com/Usance+Letter+of+Credit | Usance Letter of Credit Usance Letter of Credit A letter of credit payable at a determined future date after presentation of conforming documents . Copyright ยฉ 2012 , Campbell R . Harvey . All Rights Reserved . Time Letter of Credit Letter of credit requiring payment a certain number of days after the appropriate documents are presented . It is also called usance letter credit . Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / Usance + Letter + of + Credit " > Usance Letter of Credit < / a > Feedback TheFreeDictionary presents : Write what you mean clearly and correctly . Mentioned in Time Letter of Credit References in periodicals archive TEHRAN ( FNA ) - Iran ' s Petrochemical Commercial Company International ( PCCI ) is in talks with investors from Japan and South Korea for an investment of e1 / 4520 million in petrochemical projects in Iran in the form of usance letter of credits ( LCs ) . Japan , S . Korea to Finance , e1 / 4520m in Iran Petchem Projects More results โบ Financial browser โฒ Urban Development Act of 1970 Urban Land Institute urban renewal urban sprawl urbanized area Urbun Urna Urstromtaler Uruguay Round Uruguayan Nuevo Peso Uruguayan Peso URY US US savings bond US Treasury bill US Treasury bond US Treasury note USA USA PATRIOT Act usable area usable bond USAEDC Usage Variance Usance Usance Draft USD USD LIBOR Use and Occupancy Use and Occupancy Insurance Use Value useful life User Fee U - Shaped Average Cost Curve USN USPAP USS UST Usual Marketing Requirements Usufruct Usury usury law Usury laws Usury Rate ut util Utilitarian Utilitarianism utility Utility Bill utility bond โผ Full browser โฒ USAMRMC USAMRNL USAMRSA USAMRU USAMRU - K USAMS USAMSAA USAMSC USAMSCFLW USAMSSA USAMTS USAMU USAMVB USAN USAN USAN and the USP Dictionary of Drug Names USAN Council USan English USan English Usana Usana Network International USANBT USANCA usance Usance Draft Usance Letters of Credit USANCG USANDL Usando USANETA USANG Usanism USANKF USANP USANS Usant Usant USANWTC USAO USAOC&S USAOCA USAOCS USAOEC USAOHMP USAOMMCS USAOMMS USAOPTEC USAORRF USAOTC USAOTEA USAP USAPA USAPAC โผ Site : Follow : Facebook Twitter Rss Mail Share : Facebook Twitter LinkedIn Mail Open / Close | [
"Credit",
"payment"
] |
http://financial-dictionary.thefreedictionary.com/Well-diversified+portfolio | Well - diversified portfolio Well - diversified portfolio A portfolio that includes a variety of securities so that the weight of any security is small . The risk a well - diversified portfolio closely approximates the systematic risk overall market and unsystematic risk each security has been diversified out portfolio . Copyright ยฉ 2012 , Campbell R . Harvey . All Rights Reserved . Well - Diversified Portfolio A has invested in many different types in order to hedge against securities already portfolio . Ideally , this reduces risk inherent any one investment , and increases possibility making profit or at least avoiding loss This may also reduce expected return on fund , but it depends on level type diversification . There are two main types diversification well - diversified may utilize . Horizontal diversification involves investing similar investments . Examples include investing several technology companies or different bonds . Vertical diversification involves very securities ; for example , one choose to invest traded countries both winter clothing swimsuit companies . Both diversification be as broad narrow as fund ' s manager chooses . In general , broader diversification , less less return . Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / Well - diversified + portfolio " > Well - diversified portfolio < / a > Mentioned in Factor portfolio Financial browser โฒ Weighted Average Inventory Method Weighted average life Weighted Average Market Capitalization Weighted average maturity Weighted Average Maturity Date Weighted average portfolio yield Weighted average remaining maturity Weighted Ballot Weighted Cost Driver Weighted Moving Average Weighted stock index weighted - average coupon rate weighted - average maturity weighting Weights and Measures Act 1963 Weights and Measures Act 1985 Wejba Welayat Welcome Tax welfare Welfare and Pension Plans Disclosure Act Welfare Criterion welfare economics welfare state Welfare To Work Credit Well - Heeled Wellness Program Wells Notice Wertbestaendige West Africa Rice Development Association West African CFA Franc West African Monetary Union West Texas Intermediate West Texas Intermediate Crude Oil Western Account Western European Union Western Hemisphere Trade Corporation Western Samoan Tala Western Union Westlaw Wet Printing wetlands Wey WF WG Whacked Wharfage wharfing out Whatsit Wheat โผ Full browser โฒ well - developed well - developed well - developed , well - nourished Well - Differentiated Fetal Adenocarcinoma well - differentiated liposarcoma well - differentiated liposarcoma well - differentiated lymphocytic lymphoma well - differentiated lymphocytic lymphoma well - differentiated lymphocytic malignant lymphoma Well - Differentiated Neuroendocrine Well - Differentiated Neuroendocrine Carcinoma Well - Differentiated Neuroendocrine Tumors well - differentiated papillary mesothelioma well - differentiated squamous cell carcinoma Well - Differentiated Thymic Carcinoma Well - Differentiated Thyroid Cancer Well - Differentiated / Dedifferentiated Liposarcoma Well - digger Well - digger well - disciplined well - disciplined well - disposed well - disposed well - disposedly well - disposedly Well - Diversified Portfolios well - documented well - doer well - done well - done well - donely well - donely well - drawn well - dressed well - dressed Well - dressing well - earned well - earned well - earnedly well - earnedly well - educated well - educated Well - Educated Guess well - endowed well - endowed well - equipped well - established well - established โผ Site : Follow : Facebook Twitter Rss Mail Share : Facebook Twitter LinkedIn Mail Open / Close | [
"Well-diversified",
"portfolio"
] |
http://financial-dictionary.thefreedictionary.com/booking | book ( redirected from booking Also found in : Dictionary Thesaurus Medical Legal Acronyms Idioms Encyclopedia Wikipedia Book A banker or trader ' s positions Copyright ยฉ 2012 , Campbell R . Harvey . All Rights Reserved . Book 1 . An informal term for an accounting record such as an income statement See also : Cook the books 2 . A general term for a record of any sort . 3 . See : Subscribe Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved book 1 . specialist ' s information on limit orders to buy and sell the security in which the specialist makes a market . The orders are left by other exchange members who wish to trade at price that differs from current market price . The provides specialist with estimate of demand and supply stock in which he or she is market maker . Also called specialist ' s 2 . See book value per share 3 . An organization ' s written accounting record . 4 . underwriting syndicate ' s activity new security issue . In accounting , recognize transaction by recording entry . For example , financial institution books loan when it lends money customer . Wall Street Words : An A to Z Guide to Investment Terms for Today ' s Investor by David L . Scott . Copyright ยฉ 2003 by Houghton Mifflin Company . Published by Houghton Mifflin Company . All rights reserved . Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : Mentioned in Above Water accrued depreciation accumulated depreciation actual value Ahead Annuity Method of Depreciation Appraisal Capital asset register Average accounting return Back of Book basis book Bearer form Behind Beige Book Black Book Blue book Blue Book Value bond basis book Book Balance Financial browser โฒ Book Balance book building Book cash book closure book cost book depreciation Book Inventory Book of Business Book of Original Entry Book Paper Book profit Book Rate Book runner Book the Goods Book to bill Book to market book transfer book value book value per share Bookends Book - Entry Book - Entry Callable Corpus Book - entry securities book - entry security booking Booking the Basis Bookkeeper Bookkeeping Booklet Bookout bookrunner books of prime entry book - to - bill ratio Book - to - Market Ratio boom Boomerang Effect boomerangers Boomernomics Boon Boondoggle Booster Shot booster shot report Boot Boot Disk Booth booths Bootstrap Bootstrap Acquisition Bootstrap Business bootstrap financing โผ Full browser โฒ Booker T . Washington National Monument Booker T . Washington State Park Booker Talaiferro Washington Booker Talaiferro Washington Booker Taliaferro Washington Booker Taliaferro Washington Booker Washington Booker Washington Booker - McConnell Prize Booker - McConnell Prize bookers bookers Bookery BookExpo America bookfair bookfair Bookful Bookholder bookie bookie Bookies Bookies Booking Actors and Models Booking agency booking agent Booking Centre Online booking clerk booking clerks Booking Confirmation Agreement Booking Fee booking in booking in booking into booking into booking office booking offices booking on out booking out Booking photo Booking photograph Booking Services International Booking South Africa Booking the Basis Booking the Goods booking up Booking Value Booking , Billing , Backlog booking - office booking - office โผ Site : Follow : Facebook Twitter Rss Mail Share : Facebook Twitter LinkedIn Mail Open / Close | [
"book"
] |
http://financial-dictionary.thefreedictionary.com/business+day | business day Also found in : Acronyms Wikipedia Business day A day in which financial markets are open for trading Copyright ยฉ 2012 , Campbell R . Harvey . All Rights Reserved . Business Day A time during which securities markets and most retailers and other shops are open . In much of the world , every day is a business except for Saturday Sunday . However , this is not a hard fast rule . For example , in Bahrain , Sunday business while Friday not . Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved business day on the securities markets open . Wall Street Words : An A to Z Guide to Investment Terms for Today ' s Investor by David L . Scott . Copyright ยฉ 2003 by Houghton Mifflin Company . Published by Houghton Mifflin Company . All rights reserved . standard conducting business , excluding government holidays weekends . Various notices required real estate contracts , leases , or other agreements may have deadlines based on passage of certain number days , or days . To count days , you start with after triggering event , and count that as 1 . The Complete Real Estate Encyclopedia by Denise L . Evans , JD & O . William Evans , JD . Copyright ยฉ 2007 by The McGraw - Hill Companies , Inc . Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / business + day " > business day < / a > Mentioned in 48 - hour rule Availability float Availability Schedule Bank collection float Business Date cash account Cash sale / settlement Cash value Central Clearing Time Check hold Close of Business Collection float cum dividend Delayed settlement / delivery Delivery date ex - dividend ex - dividend date exercise limit Expiration time Financial browser โฒ Bursa Malaysia Burst Burst Advertising Buru Burundian Franc Bush Doctrine Business Activity Code Business and Personal Property Coverage Form Business Assets Business Auto Coverage Form Business Bad Debt Business Bad Debts business center business clusters Business Code business combination Business Combination laws Business Conditions Business Council for International Understanding Business Credit Business Crime Insurance business cycle Business Cycle Indicators Business Date Business Development Bank of Canada Business Enterprise Business Environment Risk Index business ethics Business Etiquette Business Executive Enforcement Team Business Expansion Scheme Business Expense Business Expense Deduction Business Facilitation Office Business failure business format franchising business fundamentals Business Gift Business Gifts Business Income Business Incubator business incubators Business Information Office Business Information Service for the Newly Independent States Business Intelligence Business Interruption business interruption insurance Business Judgment Rule Business Liability Insurance โผ Full browser โฒ Business cycle frequency Business cycle frequency Business Cycle Indicator Business Cycle Indicators Business Cycle Synchronization Business cycles Business cycles Business Dashboard Business Data Application Technology Business Data Catalog Business Data Entity Business Data Exchange Business Data Forecast Business Data Integration Business Data List Connector Business Data Management business data processing business data processing Business Data Prospects Business Data Services Business Data Toolset Business Data Types Business Data Warehouse Business Data Worldwide Business Dates Business Day and Financial Mail Business Day Report Business days business deal Business Deal Records business deals Business Debtors Anonymous Business Decision Maker Business Decision Management Business Decision Point Business Decision Reporting Business Decision Support System Business Decisions International Pty Ltd business deduction Business Defense and Security Corp . Business Defense Services Administration Business degree Business degree Business Delivery Review business department Business Description File Business design Business Design Centre Business Design Facility Business Design Solutions Business Design Specification Business Design Team Business Desktop Deployment Business Desktop Lifecycle Management Business Destination Marketing โผ | [
"business day"
] |
http://financial-dictionary.thefreedictionary.com/cost+accounting | cost accounting Also found in : Dictionary Thesaurus Legal Encyclopedia Wikipedia Cost accounting A branch of accounting that provides information to help the management of a firm evaluate production costs and efficiency . Copyright ยฉ 2012 , Campbell R . Harvey . All Rights Reserved . Cost Accounting A branch accounting that observes and calculates the actual costs a company ' s operations . Internal managers , rather than auditors use cost most time to identify aspects their company where can be cut . For example , manager may enlist cost accountant determine most expensive aspects his / her business is , where money goes . The accountant may make detailed report so manager make decisions based upon it . Because is primarily internal , it need not conform Generally Accepted Accounting Principles It is also called managerial or management accounting . See also : Assurance Activity - based costing Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved cost accounting The field measures , classifies , records costs . accountant , for example , might be required establish system for identifying segmenting various production so as assist firm ' s in making prudent operating decisions . Wall Street Words : An A to Z Guide to Investment Terms for Today ' s Investor by David L . Scott . Copyright ยฉ 2003 by Houghton Mifflin Company . Published by Houghton Mifflin Company . All rights reserved . Fig . 28 Cost . Major elements cost . see MANAGEMENT ACCOUNTING Collins Dictionary of Business , 3rd ed . ยฉ 2002 , 2005 C Pass , B Lowes , A Pendleton , L Chadwick , D O โ Reilly and M Afferson Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / cost + accounting " > cost accounting < / a > Mentioned in Applied Cost Applied Overhead book value per share discontinued operation Discontinued operations Historical Cost Accounting Convention inflation accounting labour market management accounting net asset value per share Overdraft protection product costing replacement cost accounting Financial browser โฒ Corporate Trust Corporate Veil corporate venturing Corporate Welfare Bum corporation corporation tax corporeal corpus CORR Correction correction deed correction lines Corrective Advertising Corregimiento correlation correlation coefficient Correlation Dimension Correlation Integral correlative water right Correspondent Correspondent bank Correspondent Lender Cosigner Co - Signing cost advantage strategy cost allocation depreciation Cost and Freight cost approach cost basis cost center cost centre cost code Cost company arrangement Cost Containment cost control cost depletion cost drivers cost effectiveness Cost Equivalent cost function Cost Hierarchy Cost Insurance and Freight Cost Method of Inventory Valuation cost minimization Cost of Attendance cost of capital cost of carry Cost of equity Cost of funds โผ Full browser โฒ Cost & Training Effectiveness Analysis cost ( one ) dear cost ( someone ) dearly Cost / benefit analysis Cost / benefit analysis cost a bomb cost a king ' s ransom cost a pretty penny Cost Account Cost Account Authorization Cost Account Charge Number Cost Account Code Cost Account Manager Cost Account Number Cost Account Package Cost Account Performance and Analysis Report Cost Account Performance Report Cost Account Plan Cost Account Program cost accountant cost accountant cost accountants cost accountants Cost Accounting and Production Report Cost Accounting for Technological Modernization Cost Accounting Standard Cost Accounting Standards Board Cost Accounting Standards Regulations Cost Accounting System Cost Accounting Tracking System Cost Accumulating , Reporting & Evaluation Cost Acquisition Per User cost adjustment Cost Adjustment and Visibility Tracking System cost advantage strategy Cost Advisory Group cost allocation depreciation Cost Allocation Distribution Options Cost Allocation Manual Uniformity Team Cost Allocation Matrix Cost Allocation Plan Cost Allocation Procedure cost an arm and a leg cost analysis cost analysis Cost Analysis Brief Cost Analysis Data Requirement Cost Analysis Division Cost Analysis Improvement Group Cost Analysis Organization Cost Analysis Panel โผ Site : Follow : Facebook Twitter Rss Mail Share : Facebook Twitter LinkedIn Mail Open / Close | [
"cost accounting",
"Dictionary"
] |
http://financial-dictionary.thefreedictionary.com/disclosure | Disclosure Also found in : Dictionary Thesaurus Medical Legal Wikipedia Disclosure A company ' s release of all information pertaining to the company ' s business activity , regardless of how that information may influence investors Copyright ยฉ 2012 , Campbell R . Harvey . All Rights Reserved . The voluntary or required release relevant to a security company , fund or anything else . In order be listed on an exchange a company must provide disclosure on itself by registering with the SEC and abiding by regulations that govern what about itself company releases . exists prevent price manipulation and anything else would disrupt efficiency trade See also : Transparency Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved disclosure The submission facts details concerning situation business operation . In general , security exchanges SEC require firms disclose investment community facts concerning issues will affect firms ' stock prices . is also required when firms file for public offerings . See also full disclosure Wall Street Words : An A to Z Guide to Investment Terms for Today ' s Investor by David L . Scott . Copyright ยฉ 2003 by Houghton Mifflin Company . Published by Houghton Mifflin Company . All rights reserved . Disclosure . A document explains how financial product offering works . It details terms which you must agree in order buy it use it , and , in some cases , risks you assume making such purchase . For example , publicly traded companies provide all available might influence your decision invest stocks bonds they issue . Mutual fund companies are disclose risks costs associated with buying shares fund . Government regulatory agencies , such as Securities Exchange Commission ( SEC ) , self - regulating organizations , state securities regulators , NASD require disclosures . Similarly , federal local governments lenders explain costs credit , banks explain opening maintaining an account . Despite consumer benefits , is n ' t always easily accessible . It may be expressed confusing language , printed tiny type , so extensive consumers choose ignore it . Dictionary of Financial Terms . Copyright ยฉ 2008 Lightbulb Press , Inc . All Rights Reserved . Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / Disclosure " > Disclosure < / a > Mentioned in Account Conflict addendum Adequate Disclosure Adequate Notice Adjustable Rate Mortgage agency disclosure Agricultural Foreign Investment Disclosure Act Alternative Investment Asymmetric information Automobile Information Disclosure Act Bank Secrecy Act Blind Brokering caveat emptor caveats Central Arbitration Committee co - determination communication Comprehensive Income computerized loan origination Financial browser โฒ directors ' report Directorship Dirhem Dirigisme Dirks vs . SEC dirty float Dirty Pool dirty price dirty stock disabilities Disability Disability income insurance Disability Pension Disabled Person Disaster Area Loss Disatina disbursement Disbursement float DISC discharge in bankruptcy Discharge of bankruptcy Discharge of lien disciplinary procedure disclaimer disclaimer of opinion disclosure of information disclosure of shareholdings disclosure statement discontinued operation Discontinued operations discount Discount Arbitrage discount basis discount bond discount broker discount brokerage firm Discount factor discount house Discount Interest Discount Margin discount market Discount Note Discount payment Discount period Discount point discount points discount rate Discount securities discount security discount store โผ Full browser โฒ discloser discloser disclosers disclosers discloses discloses disclosing disclosing disclosing agent disclosing agent disclosing agents disclosing solution disclosing solution disclosing tablet disclosing tablet disclosingly disclosingly Disclosure ( disambiguation ) Disclosure ( disambiguation ) Disclosure ( information ) Disclosure ( information ) Disclosure and Barring Service Disclosure and Release Tool Disclosure and Transparency Rules Disclosure Authorization Disclosure Controls and Procedures Disclosure Document Disclosure Document Disclosure Documents Disclosure Documents Disclosure Form Disclosure Forms Disclosure Limitations List Disclosure Network / New York Disclosure of Classified Military Information Disclosure of Criminal Record Information Form disclosure of fault Disclosure of Financial Interest Form Disclosure of Financial Relationships Report โผ | [
"Disclosure"
] |
http://financial-dictionary.thefreedictionary.com/entitlement | entitlement Also found in : Dictionary Thesaurus Medical Legal Encyclopedia Wikipedia entitlement ( 1 ) To be owed something under the law , such as federal programs . ( 2 ) That portion of a VA - guaranteed loan that protects the lender in case veteran defaults . The Complete Real Estate Encyclopedia by Denise L . Evans , JD & O . William Evans , JD . Copyright ยฉ 2007 by The McGraw - Hill Companies , Inc . Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / entitlement " > entitlement < / a > Mentioned in Advance Earned Income Credit Balance of Indebtedness Blue Dog Coalition certificate of participation Chasing Nickels Around Dollar Bills contingent voting rights copyright coupon disguised unemployment Enterprise Investment Scheme ex - dividend flip - over pill Labour Force Survey licence measuring life minority interest mortgage Omnibus Budget Reconciliation Act of 1993 Pension Financial browser โฒ Enhanced Structural Adjustment Facility Enhancement enjoin Enrico Braggiotti Enrolled Agent Enrolled Retirement Plan Agent Enron Enronitis Enroute Expenses Enterprise Enterprise Act 2002 Enterprise for the Americas Initiative Enterprise Fund Enterprise Grant Scheme Enterprise Investment Scheme Enterprise Management Incentive Scheme Enterprise multiple Enterprise Value Enterprise value / EBITDA ratio enterprise zone Enterprise - Value - to - Sales entertainment complex Entertainment Expense Deduction Entertainment Expenses entire tenancy entity entrants Entrepot entrepรดt trade entrepreneur Entropy entry deterrence entry for marriage in speech Entry Level Job Envelope Environment Agency environment monitoring environmental assessment environmental audit Environmental fund environmental impact assessment environmental impact statement environmental obsolescence Environmental Protection Agency Environmental risk environmental scanning environmental site assessment environmental standards environmental tax EOE โผ Full browser โฒ entitle entitle entitle ( one ) to ( do something ) entitle her to entitle him to entitle me to entitle one to entitle them to entitle to entitle to do entitle us to entitle you to entitled entitled Entitled Software Support Entitled Software Updates entitled spouse entitled to acceptance and belief Entitled To Severance Pay Entitled to Succeed entitledly entitledly Entitlement Bitch Entitlement Control Message Entitlement Control Message Generator entitlement for a term of years Entitlement Management Message Entitlement Management Message Generator Entitlement Management Solution Entitlement Management System Entitlement program Entitlement program Entitlement to Work Entitlements Entitlements Entitlements Destroy Lives entitles entitles entitles her to entitles him to entitles me to entitles one to entitles them to entitles to entitles us to entitles you to โผ | [
"entitlement"
] |
http://financial-dictionary.thefreedictionary.com/municipal+bond | Municipal bond Also found in : Dictionary Thesaurus Legal Encyclopedia Wikipedia Municipal bond State or local governments offer muni bonds or municipals , as they are called to pay for special projects such as highways sewers . The interest that investors receive is exempt from some income taxes Copyright ยฉ 2012 , Campbell R . Harvey . All Rights Reserved . Municipal Bond A bond issued by a local state government . Municipal bonds are usually used to raise capital for improvements in infrastructure other aspects of the municipality . For example , a city school district may issue bond build new school new playground . Municipal exempt from federal income taxes and sometimes state and taxes well . Municipals usually pay lower coupons than corporate bonds but because the yield is tax - free , after - tax basis may be higher municipal bond . Risk varies with municipality particular type of municipal bond . It sometimes called improvement certificate . Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved municipal bond The debt issue city , county , state , other political entity . Interest paid by most federal income taxes often well . tax exemption stems use which funds have been devoted . with tax - exempt interest appeal mainly investors significant amounts taxable income . Also muni tax - exempt See also Bond Buyer ' s Index ex - legal 501 ( c ) ( 3 ) bond general obligation bond revenue bond taxable municipal bond Case Study debt , like corporate debt , ranges in credit quality investment - grade very speculative . On November 9 , 2001 , trustee State Street Bank Trust informed holders $ 9.7 million issued Marineland Foundation , nonprofit corporation established city Marineland , Florida , that they would receive $ 245 each $ 1,000 principal amount . Unfortunately bondholders debt was being repaid at slightly less than 25 ยข on dollar . unrated Marineland had been at yields 8.5 % 1995 institutional remarketed 1996 individuals . Funds raised were used purchase one Florida ' s oldest tourist attractions . Opened south St . Augustine , Florida , 1937 an underwater movie studio , opened public dolphin sea lion shows one year later . Attendance suffered beginning 1970s following opening Disney World , Sea World , Universal Studios , Circus host bigtime Florida attractions . Revenues refurbished oceanside aquarium proved too small cover variable fixed expenses , including on debt . had sold yet again time agreement was reached bondholders . owners intended promote attraction research resort where visitors could scuba - dive , hike , learn about marine life . Wall Street Words : An A to Z Guide to Investment Terms for Today ' s Investor by David L . Scott . Copyright ยฉ 2003 by Houghton Mifflin Company . Published by Houghton Mifflin Company . All rights reserved . Municipal bond ( muni ) . securities governments their agencies finance general governmental activities special projects . For example , float fund construction highways college dormitories . pays federal income taxes , also if you live where it issued . However , any capital gains you realize selling taxable , some be vulnerable alternative minimum tax ( AMT ) . Munis generally lower rate similarly rated corporate same term . However , appeal highest brackets , who benefit most income . Dictionary of Financial Terms . Copyright ยฉ 2008 Lightbulb Press , Inc . All Rights Reserved . Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / Municipal + bond " > Municipal bond < / a > Mentioned in 20 % cushion rule After - tax basis airport revenue bond Any - interest - date Any - Interest - Date Call arbitrage bond Arbitrage bonds Assessed valuation bond bank Bond Buyer Bond Buyer ' s Index Bond Buyer ' s municipal bond index Bond counsel Certificateless Municipal Certificateless municipals Citizen Bond Citizen bonds combination bond Corporate equivalent yield Financial browser โฒ multiple listing service multiple management multiple option strategy Multiple peril insurance Multiple Protection Life Insurance Policy Multiple rates of return Multiple regression multiple round lots Multiple Shop multiple sourcing Multiple Support Agreement Multiple Taxation Multiple - discriminant analysis Multiple - Issuer Pool Multiple - issuer pools Multiples multiplier Multiplier Effect multiproduct firm Multirule system multi - unionism multi - unit pricing Mummonmarkka Municipal bond fund municipal bond insurance municipal bond unit trust municipal convertible Municipal Finance Officers Association Municipal improvement certificate Municipal Inflation - Linked Securities Municipal Investment Trust Municipal Issuer Municipal Jurisdiction municipal mortgage enhancement municipal note Municipal notes Municipal reorganization Municipal revenue bond Municipal Securities Rulemaking Board Municipal Service Tax Municipal Short - Term Bond Fund Municipal Utility District municipals - over - bonds spread Municipiu Munie Mae Munifacts Muniment muniment of title โผ Full browser โฒ Municipal and County Government Employees Organization Municipal and District Assemblies Municipal and Environmental Infrastructure Municipal and Financial Services Group Municipal and Industrial Municipal and Industrial Solid Waste Division Municipal and Industrial Water Authority Municipal and Planning Law Report Municipal and Regional Planning Assistance Municipal Arborists and Urban Foresters Society Municipal Area Network Municipal Assessment Agency Inc . Municipal Asset Management Municipal Assistance Corporation Municipal Association of Nepal Municipal Association of South Carolina Municipal Association of Tasmania Municipal Association of Victoria Municipal Athletic Complex Municipal authorities Municipal authorities Municipal Authority of Westmoreland County Municipal Band of Allentown Municipal Bank PLC Municipal board Municipal board Municipal Bond Acceptance and Reconciliation Service Municipal Bond Bank Municipal Bond Bank Agency Municipal bond fund Municipal Bond Funds Municipal bond insurance Municipal Bond Insurance Association Municipal Bond Insurance Association Municipal Bond Investment Assurance Municipal Bond Investors Assurance municipal bond unit trust Municipal Bond Unit Trusts Municipal bonds Municipal bonds Municipal Borough of Dartford Municipal Borough of Dartford Municipal Borough of Epsom and Ewell Municipal Borough of Epsom and Ewell Municipal Borough of Kendal Municipal Borough of Kendal Municipal Borough of Kingston Municipal Borough of Kingston Municipal Borough of Peterborough Municipal Borough of Peterborough Municipal Borough of Pudsey Municipal Borough of Pudsey Municipal Borough of Stretford Municipal Borough of Stretford Municipal Borough of Wanstead and Woodford Municipal Borough of Watford โผ | [
"Municipal bond",
"mean"
] |
http://financial-dictionary.thefreedictionary.com/noncompliance | Non - Compliance ( redirected from noncompliance Also found in : Dictionary Thesaurus Medical Legal Non - Compliance The state of performing incomplete or poor quality work for pay . For example , suppose a video editor is hired to produce five 10 - minute videos . If the client receives four two - minute videos , the video editor may be non - compliant with regard to contract . Non - compliance may be actionable . Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / noncompliance " > Non - Compliance < / a > Feedback TheFreeDictionary presents : Write what you mean clearly and correctly . Mentioned in prices and incomes policy Publ 4299 transaction costs References in periodicals archive Finally , noncompliance is important because learning to comply with instructions is regarded by many as a behavioral cusp ( Bosch & Fuqua , 2001 ) , in that it is a skill that makes learning other skills possible . Behavioral assessment and treatment of noncompliance : a review of the literature Level of Compliance : Figure 1 shows the rate of Noncompliance Study on non - compliance in patients of schizophrenia Categories : Tax Policy and Administration , Data collection , Financial statements , Income statistics , Income taxes , Information disclosure , Losses , Monetary policies , Monitoring , Noncompliance , Personal income taxes , Reporting requirements , Requirements definition , Self - employed , Strategic planning , Tax returns , Tax violations , Taxpayers , Voluntary compliance Tax Gap : Limiting Sole Proprietor Loss Deductions Could Improve Compliance but Would Also Limit Some Legitimate Losses 10 ) in patients who received free immunosuppressive drugs ; these authors found that was as high as 52 % one year after transplantation . Interrupcion temporal del tratamiento inmunosupresor y rechazo del trasplante renal . Experiencia de un centro en Venezuela rates ranged from a low of 10 % in the Netherlands to a high of 44 % in China . Global survey : age is big factor in antibiotic noncompliance In other words , the government ' s emphasis on tax compliance and its increasingly aggressive actions to detect and deter are important and deserve to be taken seriously by each of us as we advise and assist large companies in their day - to - day tax planning , compliance , and interactions with the government . Reflections on practicing tax in today ' s world Most importantly , identify and correct the ineffective persons , policies , or practices that drag you into regulatory Demystifying documentation This study investigated how the Department of Education ( Education ) monitored state compliance with the Individuals with Disabilities Education Act ( IDEA ) for children age 3 - 21 years , the extent and nature of , and how Education has ensured that is resolved once identified . Special Education : Improved Timeliness and Better Use of Enforcement Actions Could Strengthen Education ' s Monitoring System . Report to the Ranking Minority Member , Committee on Health , Education , Labor and Pensions , U.S. Senate . GAO - 04 - 879 Airport officials recommended Monday strictly monitoring a contractor ' s work on the troubled Van Nuys Flyaway parking garage , backing away from a staff request that the company be sanctioned for WORK TO BE WATCHED , BUT TUTOR KEEPS DEAL These certifications or reports of shall be delivered to me no later than September 15 , 2004 . The under secretary of defense : 3010 defense pentagon Washington , D.C. 20301 - 3010 On several engagements reviewed , we noted with the firm ' s quality control policies and procedures and professional standards . Procedural questions . ( Whispers ) Of course , the statistics used for cost projections will vary by organization , and records managers will have to research and calculate costs , but the starting point will be factual , supportable requirements . Resource review : an online database for every corporate toolbox More results โบ Financial browser โฒ Nonbank Bank Nonbank banks Nonboard Company Nonborrowed Reserves Nonbusiness Bad Debts Nonbusiness Expense Deduction Nonbusiness Income Noncallable Non - Callable Bond Noncancellable Health Insurance Noncancellable Insurance Policy noncapital expenditures Noncash charge Non - Cash Charge Noncash Item noncategorical taking Non - Circulating Legal Tender Noncity Delivery nonclearing member Non - Client Order Noncommercial Trader Noncompete noncompetition clause Noncompetitive bid Noncompetitive tender Non - Complying Purchase Nonconcurrency Non - Conforming Mortgage nonconforming use Non - Contestability Clause noncontributory pension plan Nonconvertible Currency noncumulative Noncumulative preferred stock noncurrent asset noncurrent liability Noncustodial Parent Nondeductible contribution Nondeductible Tax Non - Deliverable Forward Nondeliverable Forward Contracts Non - Deliverable Swap Non - Directed Order nondisclosure nondiscretionary competition policy Non - Discretionary Proposal Nondiscretionary trust Nondiscrimination rule nondisturbance clause โผ Full browser โฒ noncompetition clause noncompetitive noncompetitive noncompetitive antagonism noncompetitive antagonism noncompetitive antagonist noncompetitive bid Noncompetitive Bidding Noncompetitive Bids noncompetitive inhibition noncompetitive inhibition Noncompetitive inhibitor Noncompetitive inhibitor Noncompetitive tender Noncompetitive Tenders noncompetitively noncompetitively noncompetitor noncomplementary role Noncompletion Noncompletion noncompletion of a task noncomplex noncompliance with law noncompliant noncompliant noncomplicated Noncomplying Noncomplying Purchase Noncomplying Purchases noncomposer noncomposite color picture signal noncompound noncomprehensive noncomprehensively noncompressible noncompulsory noncompulsory reporting points noncomputer noncomputerised noncomputerized NONCON Noncon . nonconcentric nonconcentricly nonconceptual nonconcern Nonconcluding nonconclusion nonconcomitant strabismus nonconcomitant strabismus โผ Site : Follow : Facebook Twitter Rss Mail Share : Facebook Twitter LinkedIn Mail Open / Close | [
"noncompliance",
"poor quality work"
] |
http://financial-dictionary.thefreedictionary.com/pooling | pool ( redirected from pooling Also found in : Dictionary Thesaurus Medical Legal Idioms Encyclopedia Wikipedia Related to pooling : polling spooling Car pooling Pool In capital budgeting the concept that investment projects are financed out of a pool of bonds preferred stock and common stock and a weighted - average cost capital must be used to calculate investment returns . In insurance group insurers who share premiums losses in order to spread risk investments , the combination funds for benefit common project , or group investors who use their combined influence manipulate prices . Copyright ยฉ 2012 , Campbell R . Harvey . All Rights Reserved . Pool 1 . A financial instruments that may be placed into same investment vehicle A major example is mortgage pool , which consists mortgages are divided up placed into large groups sold as securities 2 . Funds investors put together invest for mutual benefit . major example pooled fund is mutual fund Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved 1 . temporary affiliation two or more people in an attempt manipulate security ' s price and / or volume . The necessary order acquire capital needed stock having large market value . Pools were especially popular 1920s early 1930s but now have been regulated out existence . See also blind pool trading pool 2 . See mortgage pool Wall Street Words : An A to Z Guide to Investment Terms for Today ' s Investor by David L . Scott . Copyright ยฉ 2003 by Houghton Mifflin Company . Published by Houghton Mifflin Company . All rights reserved . mortgage loans used as security bond issue . collateralized backed securities The Complete Real Estate Encyclopedia by Denise L . Evans , JD & O . William Evans , JD . Copyright ยฉ 2007 by The McGraw - Hill Companies , Inc . Mentioned in 48 - hour rule Acquired surplus adjusted exercise price Amortization factor Ancillary Revenue Association of Governmental Risk Pools attractive nuisance Bank Insurance Fund BIF Blind pool bond pool Burnout CMO Collateralized Bond Obligation collateralized mortgage obligation Commodity Pool Commodity Pool Operator conformity principle Cross - Collateral Financial browser โฒ Political Equity political fund Political Risk Political risk insurance Political Terrorist Political Union Political Violence poll tax polluter pays principle pollution pollution control bond Pollution Haven Pollution Haven Hypothesis Poly Vinyl Chloride polychlorinated biphenyls polyvalence Pond Ponto Pony Ponzi scheme Pood Pool factor pool financing Pooled Income Fund pooling pooling of interests Pool - Vest Poop poop and scoop Poor Mouth population population trap Porcupine provision Pork Bellies Pork Chop Poronkusema Poronkusemaa kuukaudessa Portability portability agreement Portable Alpha Portable benefits portable mortgage PORTAL PORTAL Market portfolio Portfolio allocation by region Portfolio asset allocation portfolio beta portfolio dedication Portfolio diversification โผ Full browser โฒ Pooled Money Investment Board Pooled Out of Process pooled plasma Pooled Quota Waiting List Pooled Real Estate Fund Pooled Registered Pension Plan Pooled Separate Account pooled serum pooled serum Pooled Serum of Hospitalized Patients pooled something up pooled up pooled VM pooled VM pooler pooler Pooler , Georgia Pooler , Georgia Poolesville High School Pooley Green Unit Poolhall Poolhall Junkie Pooling Administrator Pooling agreement Pooling agreement Pooling agreements Pooling agreements Pooling and Servicing Agreement Pooling of Assets Accounting pooling of error pooling of interest Pooling of interests Pooling of Interests Accounting pooling something up pooling up Pooling - of - Assets Accounting Pooling - of - Interests Pooling - of - Interests Accounting poolroom poolrooms pools pools Pools by John Clarkson pools coupon pools it up Pools Nederlandse Kulturele Vereniging โผ | [
"pool",
"Dictionary"
] |
http://financial-dictionary.thefreedictionary.com/pro+rata | pro rata Also found in : Dictionary Thesaurus Medical Legal Acronyms Wikipedia Pro rata Shared or divided according to a ratio or in proportion to participation . Copyright ยฉ 2012 , Campbell R . Harvey . All Rights Reserved . Pro Rata Describing a distribution according some proportion . For example , salary may be stated as $ 120,000 per year pro rata . This means that if an employee only works for six months , his / her salary will be $ 60,000 . Likewise , dividends are distributed pro rata , meaning that shareholders receive them the proportion of shares they own . Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved pro rata Used refer something on proportional basis . For example , in rights offering , rights are distributed stockholders on the basis of number shares already held by each stockholder . Thus , rata distribution enables stockholders purchase new old they already own . Wall Street Words : An A to Z Guide to Investment Terms for Today ' s Investor by David L . Scott . Copyright ยฉ 2003 by Houghton Mifflin Company . Published by Houghton Mifflin Company . All rights reserved . Proportionate one ' s interests claims . In bankruptcy , unsecured creditors will receive their rata portion any money left after paying secured creditors , attorneys ' fees , and costs administration . If unsecured claims total $ 1,000,000 , and money left for is $ 10,000 , then each creditor 1 cent dollar their claim . The Complete Real Estate Encyclopedia by Denise L . Evans , JD & O . William Evans , JD . Copyright ยฉ 2007 by The McGraw - Hill Companies , Inc . Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / pro + rata " > pro rata < / a > Mentioned in assessment base year common area maintenance comparative negligence Complementary Financing controllable expenses corporation deferred charges depreciation methods double taxation exchange offer exclusionary tender offer full service general partner gross up hedged tender home office tax deduction interest deductions job sharing Financial browser โฒ private products private property private purpose municipal bond private REIT private sector Private Unrequited Transfer Private unrequited transfers Private Voluntary Organization private - enterprise economy Private - Label Pass - Through Private - label pass - throughs privately held company Private - purpose bond privatization privileged subscription privity of possession PRK Pro Bono pro forma Pro forma capital structure analysis pro forma earnings pro forma financial statement Pro forma financial statements Pro forma Invoice pro forma statement probability Probability density function probability distribution Probability function probate Probate estate Probation Probinsya problem child procedural agreement Proceeds proceeds from resale proceeds sale process process costing process mapping process production process ray process - focused layout Processing Processing Delay processor procurement procuring cause producer โผ Full browser โฒ Pro Gamer ' s Sports Cup Pro Gaming League Pro golf Pro golf Pro golfer Pro golfer Pro hac vice Pro hac vice Pro Hockey Talk Pro indiviso PRO instrument item generation Pro Karate Weekly Pro Life Pro Life Pro Modified Racing Association Pro Musica Pro Musica Youth Chorus Pro Natura International Pro Patria Pro Patria and Res Publica Union Pro Patria Calcio Pro Per Pro Per Pro Player Stadium Pro querente Pro querente pro rat aet pro rat . aet . Pro Rata Basis Pro Rata Basis pro re nata pro re nata pro re valere Pro Safety International Ltd Pro Salute Imperii Pro se Pro se Pro shop pro shops Pro Snowmobile Grass Drag Racing Association Pro Sobee Pro Soccer Talk Pro Sound and Stage Lighting Pro Sound News Europe Pro Specia Rara Pro Sport Pro Sports & Entertainment , Inc . Pro Sports Club Pro Sports Media Pro Stock Pro Stock Truck Pro Stock Truck Association โผ | [
"pro rata"
] |
http://financial-dictionary.thefreedictionary.com/roundtrip | round trip ( redirected from roundtrip Also found in : Dictionary Thesaurus Idioms Encyclopedia Round Trip In futures and equities to take a position and then later to close it . For example , an investor who buys a futures contract then sells it an investor who short sells contract covers it are both round tripping . The practice is also called round turn . Farlex Financial Dictionary . ยฉ 2012 Farlex , Inc . All Rights Reserved round trip The purchase sale of the same security . Some brokerage firms offer discounted commission if trip is completed within certain length of time . Also called turn Wall Street Words : An A to Z Guide to Investment Terms for Today ' s Investor by David L . Scott . Copyright ยฉ 2003 by Houghton Mifflin Company . Published by Houghton Mifflin Company . All rights reserved . Want to thank TFD for its existence ? Tell a friend about us , add a link to this page , or visit the webmaster ' s page for free fun content Link to this page : < a href = " https : / / financial - dictionary . thefreedictionary . com / roundtrip " > round trip < / a > Feedback TheFreeDictionary presents : Write what you mean clearly and correctly . Mentioned in daisy chain Round Trip Transaction Costs round turn Round - trip trade Round - Trip Trading Round - trip transactions costs Round - turn Transactions costs References in periodicals archive On the Kansai - Fukuoka route , the number of daily roundtrips will rise from three to four from Feb . Peach Aviation to increase domestic flights in Japan JAMAICA - Starfish Trelawney Beach & Fun Resort - from $ 397pp ( 1 ) - Includes 4 days / 3 nights , Roundtrip Air + Transfers from Miami . Changes In L ' Attitudes Offers Fantastic Fall Sale to the Caribbean Includes 3 nights , roundtrip air from New York + Golf package Father ' s Day Vacation Sale from Changes in L ' Attitudes Silver elite is awarded for booking three roundtrips in First or Envoy Class ; Gold is earned after six Frequent Flyer Program News Publishing software developer Easypress Technologies is offering a public beta version of its Atomik Roundtrip software . Easypress offers beta version of Atomik Roundtrip BERMUDA - Grotto Bay Beach Resort - from $ 687pp ( ( a ) ) - Includes 3 nights + air from New York . Changes In L ' Attitudes Offers $ 100 Discount off Any Vacation Package ! ( a ) The new schedule , which becomes effective on 6 April , will have two nonstop flights between Eureka / Arcata and Los Angeles , removing one stop in both directions . 50 % increase in seats from Eureka / Arcata and Redding to Los Angeles announced by Horizon Air Northwest WorldPerks members can earn up to 10,000 bonus miles for Northwest / KLM flights between Newark or JFK and Amsterdam . Frequent Flyer Program News TELECOMWORLDWIRE - 14 October 2002 - Easypress offers beta version of Atomik ( C ) 1994 - 2002 M2 COMMUNICATIONS LTD http : / / www . Easypress offers beta version of Atomik Roundtrip Worldwide Computer Products News - 11 September 2002 - Atomik 1 . Atomik Roundtrip 1.0 revealed by Easypress TAMPA - Embassy Suites / Busch Gardens - from $ 479pp ( a ) - Includes 3 nights , air and breakfast . Changes In L ' Attitudes Presents the " No Passport Zone " From $ 299pp ( a ) : Featuring Florida , US Virgin Islands , Puerto Rico & Carnival Cruise Line Cairo from pounds 423 ; Tunis from pounds 272 ; Alexandria from pounds 473 ; Casablanca from pounds 313 ; Algiers from pounds 386 ; Malta from pounds 226 ; Barcelona from pounds 217 ; Madrid from pounds 210 ; Valencia from pounds 217 Flight Deals ; Late Deals More results โบ Financial browser โฒ rollover risk Roll ' s Critique roll - up ROM Romanian Leu Rome Convention RON Rood roof rights ; roof rental Roosevelt Dime root deed Ross , Stephen Rotating Shift Rotation Rotation of Directors Roth 401 ( k ) Roth IRA Roth IRA Conversion Rough Cut Round lot Round Trip Transaction Costs round turn rounded bottom rounded top Round - trip trade Round - Trip Trading Round - trip transactions costs Round - turn Route Type row house Rowan Royal Australian Mint Royal Bank of Scotland Royal Canadian Mint Royal Canadian Mounted Police Royal College of Nursing Royal Cubit Royal Dutch Mint Royal Mint royalties royalty Royalty Income Trust royalty interest royalty trust RP RPIX RPPP Rrethe RRM โผ Full browser โฒ rounds up rounds up roundsman roundsman Roundsman System Roundsman System roundsmen roundsmen Roundstone roundtable roundtable Roundtable for A Sustainable Cocoa Economy Roundtable for Women in Food Service Roundtable on Entrepreneurship Education Roundtable on Information Access and Technology Roundtable on Responsible Soy Roundtable on Sustainable Biofuels Roundtable on Sustainable Biomaterials Roundtable on Sustainable Palm Oil Roundtail chub Roundtop Roundtree Worldwide Entertainment Group roundtripping roundtripping Roundturning Roundturning roundup roundup Roundup Ready Roundup Ready Soybean Roundup Ready Wheat Roundup Ready ยฎ Roundup Ultra Roundup ยฎ Roundure Roundwood Roundwood Netball Club roundworm roundworm Roundworm Infections Roundworms Roundworms Roundwound Extra Light Roundy Rounin Rounin roup โผ Site : Follow : Facebook Twitter Rss Mail Share : Facebook Twitter LinkedIn Mail Open / Close | [
"Round Trip",
"Dictionary"
] |
http://financialaid.arizona.edu/freshmen/estimated-cost-attendance | Cost Incoming Freshman & Transfer Students The estimated Cost of Attendance ( COA ) lists the average resident and nonresident expenses you are likely to incur during the academic year ( fall and spring semesters ) at The University of Arizona . The non - tuition figures were derived from surveys conducted among students with various living arrangements - living on - campus , living off - campus paying rent and living with parent . 2019 - 2020 Cost of Attendance for Undergraduate Incoming Class of 2019 - 2020 Category Arizona Resident Living w / Parent Arizona Resident UA Housing Minimum Costs Non - Resident UA Housing Non - Resident Minimum Costs Tuition $ 12,400 $ 12,400 $ 36,400 $ 36,400 Room / Board $ 3,600 $ 13,050 N / A $ 13,050 N / A Books / Supplies $ 800 $ 800 Travel $ 1,700 $ 1,700 Miscellaneous $ 1,800 $ 1,800 Loan Fee $ 100 $ 100 iCourse Fee TOTAL $ 20,500 $ 29,950 $ 13,300 $ 53,950 $ 37,300 Additional Information about Costs Direct Costs โ What is billed directly by the University ? Indirect Costs โ Costs not billed by the University PLEASE NOTE : * The Tuition and Fees amount listed above is based on the 2018 - 2019 Guaranteed Tuition Rate . When final 2019 - 2020 Tuition Rates are determined by the Arizona Board of Regents ( ABOR ) , the Tuition and Fees listed here will be updated to reflect that new rate . This is not a bill . This is only an estimate . All amounts shown here or in other university publications or Web pages represent tuition and fees as currently approved . However , the University of Arizona ( UA ) reserves the right to increase or modify tuition and fees without prior notice , upon approval by ABOR or as otherwise consistent with Board policy , and to make such modifications applicable to students enrolled at the UA at that time as well as to incoming students . In addition , all tuition amounts and fees are subject to Some courses may have additional course fees or course related expenses . Refer to the Schedule of Classes for details . Residents and Nonresidents are charged tuition at the same rate for Summer Sessions . Tuition figures above include tuition plus approved mandatory fees . Dollar amounts have been rounded . Additional tuition and fee information available at the Bursar ' s Office Web site . | [
"INCOMING FRESHMAN",
"TRANSFER STUDENTS",
"COA"
] |
http://financialaid.louisiana.edu/content/types-aid/grants/federal-grants | Home Types of Aid Grants Federal Grants Federal Pell Grant The Federal Pell Grant is the largest federal student aid gift assistance program available to undergraduates pursuing a first undergraduate degree . Students enrolled less than half - time may be considered for a Pell Grant . Awards can range from $ 657 - $ 6,195 for the 2019 - 2020 academic year . This grant is awarded to students with the highest level of financial need as determined by the U.S. Department of Education . There is no set income for the determination of Pell Grant eligibility . The federal government takes all the information provided on the FAFSA to determine a student โ s Pell Grant eligibility . Pell eligibility can change from year to year . Federal Pell Grant Lifetime Eligibility Used ( LEU ) A new law reduces the duration of Federal Pell Grant eligibility to 12 semesters ( or its equivalent ) . This applies to all Federal Pell Grant eligible students . The maximum amount of Pell Grant funding a student can receive each year is equal to 150 % for year round enrollment . The 12 - semester or six - year equivalent is 600 % . Federal Supplemental Educational Opportunity Grant ( FSEOG ) Awards are based on the availability of funds , and average approximately $ 2,000 per academic year . You must be an undergraduate enrolled at least half - time ( 6 hours ) and be Pell Grant eligible . Iraq and Afghanistan Service Grant ( IASG ) A student may be eligible to receive the Iraq and Afghanistan Service Grant ( IASG ) if : the student is not eligible for a Federal Pell Grant ( based on the Expected Family Contribution ) , but the student meets remaining Federal Pell Grant eligibility requirements , and the student ' s parent or guardian was a member of the U.S. armed forces and died as a result of military service performed in Iraq or Afghanistan after the events of 9 / 11 , and the student was under 24 years old or enrolled in college at least part - time at the time of the death of the student ' s parent or guardian . The IASG is equal to the amount of a maximum Federal Pell Grant for the award year but can not exceed the student โ s cost of attendance for that award year ( for the 2018 - 19 award year - July 1 , 2018 , to June 30 , 2019 - the maximum Federal Pell Grant award is $ 6,095 ) . Due to sequestration , the IASG are reduced as follows : - For any 2018 - 19 Iraq and Afghanistan Service Grant first disbursed on or after Oct . 1 , 2017 , and before Oct . 1 , 2018 , the maximum award amount of $ 6,095 is reduced by 6.6 % ( $ 402.27 ) , resulting in a maximum award of $ 5,692.73 . - For any 2018 - 19 Iraq and Afghanistan Service Grant first disbursed on or after Oct . 1 , 2018 , and before Oct . 1 , 2019 , the maximum award amount of $ 6,095 is reduced by 6.2 % ( $ 377.89 ) , resulting in a maximum award of $ 5,717.11 . The Office of Financial Aid will identify qualifying recipients of this grant based on data contained within the student ' s Free Application for Federal Student Aid ( FAFSA ) . The US Department of Education will notify students who could meet this criteria . | [
"Federal Grants",
"LEU",
"FSEOG"
] |
http://financialaid.missouri.edu/cost-of-attendance/index.php | Financial planning for college Undergraduate Graduate Net Price Calculator Cost of Attendance Usually the cost of attendance ( COA ) refers to the total amount of education expenses ( tuition , books and supplies , housing and dining , personal expenses , transportation expenses , etc . ) . Learn more Estimate Your Expenses For more specific information about the tuition and fees component of the cost of attendance , please see the Cashier โ s Office website at https : / / cashiers . missouri . edu / cost / . Information about current residence hall rates and amenities , including dining plan rates , can be found at http : / / reslife . missouri . edu / rates - amenities Home / Cost of attendance Cost of attendance Investing in higher education is a major financial decision , and many students need to look beyond their own resources for assistance . At MU โ s Office of Student Financial Aid , our goal is to help students and their families secure the resources necessary to fund a Mizzou education . We can help you calculate the cost of your education , whether you ' re an undergraduate or graduate student . We โ ll point you to resources to help you plan for higher - education costs . You can also use our net price calculator The cost of attending Mizzou is different for each student , depending on variables such as degree program , housing choices , special course fees and individual needs . Budgets used by MU Student Financial Aid in determining eligibility for financial aid include : 1 . Direct university charges : tuition non - resident tuition on - campus housing and dining 2 . Estimates of indirect expenses : books and supplies off - campus housing and dining personal expenses transportation expenses MU uses average budgets in the initial determination of need . Because we use averages , the figures used by Student Financial Aid may vary slightly from other published figures . | [
"Student Financial Aid",
"average budget",
"Direct university charges"
] |
http://financialaid.nd.edu/toolbox/frequently-asked-questions/ | Home > Toolbox > Frequently Asked Questions Frequently Asked Questions Questions : โบ Applying for Financial Aid What forms and documents do I need to submit to apply for financial aid at Notre Dame ? What are the priority submission dates to apply for financial aid at Notre Dame ? Does Notre Dame participate in the College Board IDOC service ? Do I need to reapply for financial aid each year ? How can I complete the Data Retrieval Tool or request a tax return transcript ? If my parents are separated or divorced , do they both need to submit financial information ? What is federal verification ? What does it mean for my application ? โบ Eligibility When can I expect to hear about my financial aid eligibility ? Will I receive the same financial assistance for all four years ? Is there a limit on the number of semesters or years that University Scholarship is available ? What do I do if my family โ s circumstances change ? Can my academic performance affect my financial aid eligibility ? If I drop to part - time enrollment status , will that affect my financial assistance ? Is financial assistance available for study abroad ? If I become a Resident Assistant ( RA ) , how will that affect my financial assistance ? Does living off campus affect my financial assistance ? โบ Scholarships and Grants Does the University of Notre Dame offer academic merit - scholarships that are not based upon financial need ? Will an outside scholarship affect my financial aid eligibility ? If I receive an outside scholarship check payable to me , what am I supposed to do with the check ? Summer Session Financial Assistance Is financial assistance available for summer session ? How do I apply for financial assistance for summer session ? General Questions Where does the Office of Financial Aid send student communications ? What communication will parents receive from the Office of Financial aid ? What percent of Notre Dame students work ? Answers : โบ Applying for Financial Aid What forms and documents do I need to submit to apply for financial assistance at Notre Dame ? All students applying for financial assistance are required to complete the CSS Profile and the Free Application for Federal Student Aid ( FAFSA ) . In addition , parents and students must submit signed copies of federal income tax returns ( including schedules ) , W - 2 wage statements , and other documents as requested by the Office of Financial Aid . Top of page What are the priority submission dates to apply for financial aid at Notre Dame ? Freshmen applicants applying restrictive early action should complete the CSS Profile and the Free Application for Federal Student Aid ( FAFSA ) by November 15 and complete IDOC information by December 15 . Freshmen applicants applying regular action should complete the CSS Profile and the Free Application for Federal Student Aid ( FAFSA ) by February 15 and complete IDOC information by March 1 . Returning students must complete the CSS Profile and the Free Application for Federal Student Aid ( FAFSA ) by April 15 . Transfer / Readmitted applicants must complete the CSS Profile and the Free Application for Federal Student Aid ( FAFSA ) by April 15 ( for enrollment in the fall ) or by November 15 ( for enrollment in the spring ) . Top of page Does Notre Dame participate in the College Board IDOC service ? Notre Dame uses the College Board IDOC service for all undergraduate first - time financial aid applicants only . Applicants who complete the CSS Profile will receive an e - mail from the College Board providing instructions on how to submit the required documents to the College Board . The priority submission date for uploading documents to IDOC is December 15 for restrictive early action applicants and March 1 for regular decision applicants . Do I need to reapply for financial assistance each year ? Yes . All returning students must reapply for financial assistance each year by submitting the CSS Profile and the Renewal FAFSA by April 15 . How can I complete the Data Retrieval Tool or request a tax return transcript ? The IRS Data Retrieval Tool ( DRT ) transfers your IRS tax information directly into your FAFSA . You can transfer your tax information while you are completing the FAFSA or go back after submitting the FAFSA to include your tax information . To transfer your tax data into the FAFSA , please follow the steps outlined below . Log in to the FAFSA using your FSA ID On the " Parent Financial Information " page , answer the questions in the first box to see if you are eligible to use the IRS Data Retrieval Tool If eligible , select which parent is providing the information on the FAFSA Enter the FSA ID for the parent providing the information Click " Link to IRS " Review the information displayed and select the " Transfer My Information into the FAFSA " option Next , go to the " Student Financial Information " page and answer the questions to see if the student is eligible to use the IRS Data Retrieval Tool If eligible , click " Link to IRS " Review the information displayed and select the " Transfer My Information into the FAFSA " option If finished , proceed to the Sign and Submit page NOTE : Data that has been transferred from the IRS will be designated to the right of the question . Please do not make any adjustments to these fields . More information regarding this process can be found here If you are unable to use the Data Retrieval Tool , you may submit a signed copy of your federal tax return , or you can request a tax return transcript through the IRS website . You can then email the document to our office , including your student ' s name , NDid number and date of birth , to our office at faforms @ nd . edu If my parents are separated or divorced , do they both need to submit financial information ? Yes . Notre Dame โ s policy for determining financial need is based upon the principle that both parents have a responsibility to contribute to the cost of education . We therefore need financial information from both the custodial and the noncustodial parent . Both the custodial parent and the noncustodial parent will complete a CSS Profile application separately . What is federal verification ? What does it mean for my application ? The federal government may select your family โ s FAFSA for federal v erification . This process is based on criteria established by the Department of Education and requires our office to collect specific information . If your application is selected for federal v erification , our office will email a list of required documents to the student . Our office is not able to complete a financial aid decision until all of the documentation has been received . If a Financial Aid Notification was sent prior to your FAFSA being selected for verification , your family would still need to complete the necessary steps . Our office will not be able to disburse any federal financial aid until the verification requirements are met . More information about Federal Verification is available here Eligibility When can I expect to hear about my financial aid eligibility ? The Office of Financial Aid begins mailing Financial Aid Notifications in late February to freshmen admitted during the restrictive early action process who meet the November 15 financial aid priority submission date for filing the FAFSA and CSS Profile and who submit their IDOC packet to College Board by December 15 . Financial Aid Notifications for students who apply during the regular action admission process will start being mailed in late March for students who meet the priority submission date for the FAFSA and CSS Profile of February 15 and submit the requested information to IDOC by March 1 . The Office of Financial Aid begins mailing Financial Aid Notifications in early June to admitted transfer / readmitted students ( for enrollment in the fall ) who meet the April 15 priority submission date for filing the FAFSA and CSS Profile and who submit their supporting documents to our office . The Office of Financial Aid begins mailing Financial Aid Notifications in mid - December to admitted transfer / readmitted students ( for enrollment in the spring ) who meet the November 15 priority submission date for filing the FAFSA and CSS Profile and who submit their supporting documents to our office . The Office of Financial Aid begins emailing Financial Aid Notifications in early May to returning students who meet the April 15 priority submission date for filing the FAFSA and CSS Profile . Our office will continue to send Financial Aid Notifications to students throughout the summer . Returning students may view the status of their financial aid application and their financial assistance through insideND . Will I receive the same financial assistance for all four years ? The total dollar amount of financial assistance is based on demonstrated financial need . Changes in family circumstances , such as an increase or decrease in parents โ or student โ s income , assets , family size , number of family members attending college , may affect eligibility for financial aid . If the family โ s circumstances do not change significantly over the four years , the financial assistance should be comparable each year . Is there a limit on the number of semesters or years that University Scholarship is available ? Based on the student โ s admitted class level , University Scholarship consideration is given for a maximum of eight semesters ( ten semesters for Architecture Program and Combination Five - Year Engineering Program with the College of Arts and Letters ) . Students electing to remain at Notre Dame to pursue a second major , second degree , or dual - degree program are not eligible for University Scholarships . What do I do if my family โ s circumstances change ? If you have already applied for financial aid and received a Financial Aid Notification , you should complete and submit a Change in Circumstances Form along with the required documentation to the Office of Financial Aid via faforms @ nd . edu . More information about the types of circumstances that may be considered can be found Can my academic performance affect my financial aid eligibility ? University policy and federal regulations require students to maintain a minimum cumulative grade point average , be on pace to graduate , and complete their degree within a maximum time frame in order to remain eligible for financial aid . Detailed information on Satisfactory Academic Progress requirements may be found on our website If I drop to part - time enrollment status , will that affect my financial assistance ? In general , the financial assistance will be reduced for students who enroll less than full - time . If the student is considering part - time enrollment , we suggest they meet with a financial aid counselor to discuss the changes that would be specific to their situation . Please note that merit scholarships require a student to be enrolled as a full - time student . More information is available Is financial assistance available for study abroad ? Yes . Please refer to the Frequently Asked Questions for study abroad found on our If I become a Resident Assistant ( RA ) , how will that affect my financial assistance ? The room and meals scholarship that Resident Assistants ( RAs ) receive must be considered as a resource in their financial assistance . The following information is provided to help you understand how the scholarship may affect your financial aid eligibility : University - based scholarship typically will not be affected ; however , the total value of the student โ s scholarship and other financial aid can not exceed the student โ s cost of education The room and meals scholarship that RAs receive ( worth $ 16,440 in 2018 / 2019 ) could affect federal student loan eligibility Due to the demands of the position , RAs are typically precluded from other outside employment , participation in varsity athletics , or elected student government positions . Any exceptions to these restrictions must be approved by the Associate Vice President for Residence Life and the Rector of the hall . If the student has specific questions about their eligibility , they should schedule an appointment with a financial aid counselor . Does living off - campus affect my financial assistance ? No . A standard room and meals allowance is used to determine undergraduate students ' cost of attendance whether they live on or off - campus . The allowance for the 2018 / 2019 school year is $ 15,410 . More information about living off campus can be found Scholarships and Grants Does the University of Notre Dame offer academic merit scholarships that are not based upon financial need ? The majority of financial assistance at Notre Dame is administered and given based upon financial need as demonstrated through the CSS Profile and the Free Application for Federal Student Aid ( FAFSA ) . Notre Dame offers a limited number of merit scholarships to admitted first - year students . Recipients demonstrate exceptional accomplishment , leadership , commitment to service , and intellectual promise . Financial need is not a factor unless otherwise noted . More information regarding merit scholarships can be found on the merit scholarship page Students selected to participate in the merit scholarship selection process are also eligible to apply for need - based financial assistance . Those who receive both merit scholarship and need - based scholarship from the University are subject to reduction or elimination of need - based federal and institutional financial aid in accordance with federal regulations and institutional policy . Will an outside scholarship affect my financial aid eligibility ? The receipt of any scholarship , grant , or loan not listed on the original Financial Aid Notification must be reported to the Office of Financial Aid as soon as the student is notified of the award . The receipt of funds not listed on the Financial Aid Notification may result in an adjustment to the student โ s financial assistance . As a guide , if a student receives aid beyond that which is listed on the Financial Aid Notification , their financial assistance may be adjusted by reducing or eliminating the Notre Dame Subsidized Loan , Federal Work - Study , and Federal Direct Subsidized Loan . Depending on the amount of the outside scholarship , it is possible that scholarships from Notre Dame ( e.g. , University Scholarship , Provost โ s Scholarship , etc . ) may be reduced or eliminated . If I receive an outside scholarship check payable to me , what am I supposed to do with the check ? Forward the check directly to the Office of Financial Aid with your NDid , and make it payable to the " University of Notre Dame " for application to your student account . You are required to report any outside scholarships you are or will be receiving , as they are considered to be a resource in your financial assistance . Outside scholarship funds are divided equally between the fall and spring terms , unless otherwise specified by the scholarship donor . Summer Session Financial Assistance Is financial assistance available for summer session ? The University โ s Summer Session financial assistance program is extremely limited . The Federal loans ( Direct Loans and Direct PLUS Loans ) and private educational loans are available for summer enrollment . More information is available How do I apply for financial assistance for summer school ? Students interested in receiving consideration for financial assistance for the summer session must complete the Summer Session Financial Aid Application . Applicants must also complete the Free Application for Federal Student Aid ( FAFSA ) and the CSS Profile applicable to the term of enrollment . General Questions Where does the Office of Financial Aid send student communications ? In most cases , email communication is used for current Notre Dame students and is sent to the student ' s Notre Dame email address . Email communication for prospective and newly admitted students is sent to the email address provided on the admission application . What communication will parents receive from the Office of Financial Aid ? The Office of Financial Aid sends all correspondence to the student . The student is responsible for sharing the information with their parents . What percent of Notre Dame students work ? Over 40 percent of our students work on campus . While students may choose to work off - campus , the majority choose to work on campus . You can read more about earned assistance | [
"Financial Aid",
"Frequently Asked Questions"
] |
http://financialaid.oregonstate.edu/gainful-employment | Legislation enacted July , 1 , 2011 governs the disclosure of gainful employment and other statistics in relation to certificate programs at an institution . In order to be eligible for funding under the Title IV programs , an educational certificate program must prepare students for " gainful employment in a recognized occupation . " The information provided below will define what is considered a โ gainful employment โ program , and provide definition of the information an institution must disclose . The full regulation may be found at the Federal Register Gainful Employment Programs The following educational programs offered are considered GE Programs subject to the new regulations : Non - degree programs , including all certificate programs . Certificate programs include undergraduate certificate programs , post baccalaureate certificate programs , graduate certificate programs , and postgraduate certificate programs . Teacher certification programs , including both programs that result in a certificate awarded by the institution and those where the institution itself does not provide a certificate but which consist of a collection of course work necessary for the student to receive a State professional teaching credential or certification . Disclosure Requirements Regulations that went into effect on July 1 , 2011 , include a provision that requires institutions to disclose , for each of their GE Programs , certain information about the programs to prospective students . The institution must include the information required in promotional materials it makes available to prospective students and on its Web site . Information that must be disclosed by an institution for each of its GE Programs includes : The name and U.S. Department of Labor ' s Standard Occupational Classification ( SOC ) code of the occupations that the program prepares students to enter , along with links to occupational profiles on the U.S. Department of Labor ' s O * NET Web site or its successor site . The on - time graduation rate for students completing the program . The tuition and fees the institution charges a student for completing the program within normal time . The typical costs for books and supplies ( unless those costs are included as part of tuition and fees ) , and the cost of room and board , if applicable . The job placement rate for students completing the program . The median loan debt incurred by students who completed the program . Disclosure Information Links Not all programs linked here are eligible for federal financial aid . Certificate programs have additional criteria for federal aid eligibility which include a minimum halftime enrollment in courses specifically required for that program . Please contact our office for the current list of federal aid eligible programs and other details regarding eligibility . For disclosure information on E - Campus Certificate Programs click here For disclosure information on OSU Cascades Post Baccalaureate Certificate Programs click here | [
"Gainful Employment"
] |
http://financialaid.tamu.edu/Undergraduate/Cost-of-Attendance | Cost of Attendance The figures below outline the estimated cost of attendance for Undergraduate students at Texas A&M University . Detailed information regarding tuition & fees at Texas A&M University is available from Student Business Services . Tuition and fees vary by college and tuition rate code . Estimated Cost of Attendance for College Station Undergraduate Students 2019 - 2020 - College Station Undergraduate Fall and Spring Scroll Table Left and Right Resident * Resident at home with Parents * Non - Resident * Tuition & Fees $ 10,862 $ 10,862 $ 37,890 Loan Fees 64 64 Housing & Meals 10,400 4,450 10,400 Books & Supplies 1,222 1,222 Travel 2,498 2,498 3,490 Personal Expenses 3,746 3,746 Total $ 28,792 $ 22,842 $ 56,812 * Amounts are based on 15 credit hours per semester at Texas A&M University . Tuition and fees vary by college and tuition rate code . Check https : / / tuition . tamu . edu 2018 - College Station Undergraduate Summer Scroll Table Left and Right Resident * Resident at home with Parents * Non - Resident * Tuition & Fees $ 2,321 $ 2,321 $ 7,629 Loan Fees 32 32 Housing & Meals 3,456 1,542 3,456 Books & Supplies 352 352 Travel 761 761 940 Personal Expenses 1,158 1,158 Total $ 8,080 $ 6,166 $ 13,567 * Amounts are based on 6 credit hours per semester at Texas A&M University . 2018 - 2019 - College Station Undergraduate Fall and Spring $ 10,252 $ 10,252 $ 36,442 10,436 4,482 10,436 2,396 2,396 2,912 3,518 3,518 $ 27,888 $ 21,934 $ 54,594 * Amounts are based on 15 credit hours per semester at Texas A&M University . | [
"Cost of Attendance",
"financial aid packages",
"A&M University"
] |
http://financialaid.ucmerced.edu/cost-attendance | Cost of Attendance The Cost of Attendance ( COA ) is just an estimate and includes all expenses to attend the university for one year , not just expenses paid directly to UC Merced . The COA includes average tuition / fees , books and supplies , room and board , personal expenses , transportation expenses , and a health insurance allowance and varies depending on whether you live on - campus , off - campus or at - home with relatives . Your actual expenses may be different and most items are not paid directly to the university . The only COA health fee waiver Standardized budgets are expressions of average costs . They are intended to provide sufficient funds to pay for educational expenses for most students in most circumstances . The UC Merced Undergraduate Direct Cost Worksheet is for undergraduate students it can assist you in determining your direct costs If your housing status is expected to be different than what you listed on the FAFSA or CADAA , submit an Adjustment to Housing Status form found on our Forms page . Your housing status will be updated and financial aid awards will be re - evaluated . Please be aware that any changes in housing status may impact your financial aid eligibility . For more information on the process , please watch our video on housing changes . Adjustments for all students are made automatically beginning in early summer and continue 2 - 3 times per week through the 15th day of instruction of the fall or spring term . If your housing status changes after the 15th day of instruction please complete and submit an โ Adjustment to Housing Status โ form , adjustments are made only if you submit an โ Adjustment to Housing Status โ form and will be made within 7 - 10 business days of the form being received . You will receive an email notifying you to log into the portal to Financial aid awards will be updated as appropriate based on changes to the Cost of Attendance due to housing adjustments . For updates to your housing status that occur after the 15th day of instruction , additional grant aid is awarded only if grant aid is available at the time the form is submitted . If grant aid is not available , students will only be considered for additional loan / work eligibility . Direct Costs Direct costs are those costs paid directly to the university and billed through your UC Merced student account . Direct costs are different from the estimated Cost of Attendance . The Cost of Attendance is an estimate of expenses and includes items not paid directly to the university . Direct costs typically only include tuition / fees and on - campus room and board , items that you will receive a bill for . Your actual direct costs will vary depending on things such as whether you attend full or part - time , live on or off campus , etc . Net Cost Net Cost is the amount of direct costs ( items you are billed for ) you must pay out - of - pocket that are not covered by your financial aid after financial aid is applied . Your net cost is always lower than the Cost of Attendance and in many cases , lower or nothing . Listed below are the 2019 - 2020 standard costs of attendance for undergraduate students : * The tuition and fees posted here are estimates based on currently approved amounts . These figures may not be final . Actual tuition , fees , and charges are subject to change by the Regents of the University of California and could be affected by increases or reductions in State funding , or other developments . Accordingly , final approved levels ( and thus a student ' s final balance due ) may differ from the amounts shown . The tuition and fees amount listed above includes $ 11,442 tuition , $ 1,128 student services fee , and $ * * The listed Room / Board , Books / Supplies , Transportation , and Personal Expense amounts represent an average cost for students . Average amounts are determined annually based on statistical data from a variety of sources including periodic surveys of UC Merced students . Your individual cost may vary . For more information on actual off campus rental costs please visit the off campus housing website * * * The University of California Regents mandate that all students be covered by a health insurance plan . All full and part - time undergraduate students are automatically enrolled in and charged for the University of California Student Health Insurance Plan ( UC SHIP ) unless they choose to submit on - line insurance waiver confirming they have comparable health coverage to the Health Center . Cost of Attendance Adjustment It is impossible to take into account all the situations in which people find themselves or all the consumer choices they make . Students with unusual documented expenses who feel that their " allowed " budget does not reflect their actual expenses can learn more about a Cost of Attendance Adjustment here , The OFAS can sometimes allow a higher individualized budget . Whether additional financial aid can be made available to the student based on the revised budget depends on the availability of funds . Since scholarship and grant assistance is limited , an increase in the budget will usually be reflected in an adjustment to self - help financial aid ( loans and / or work ) . | [
"Cost of Attendance"
] |
http://financialmanagementpro.com/present-value-of-an-annuity/ | Home CHAPTER 3 Time Value of Money Present Value of an Annuity PVA By Yuriy Smirnov PhD Definition The present value of an annuity PVA is the current worth of regular cash flows to be received at a specific date in the future based on the interest rate which is also called the required rate of return Coupon payments of a fixedrate bond and amortized loans are common examples of annuities Formula Basically annuities can be classified as two types ordinary annuities and annuities due The difference between them is when payment is made If a payment is made at the end of each period we have an ordinary annuity and its present value can be found as follows PVA Ordinary Annuity P 1 1 r N r Here P is payment or cash flow per period r represents the interest rate per period and N is the number of periods An annuity due is taking place in case payments are made at the beginning of each period in advance In such a case its present value can be calculated as follows PVA Annuity Due P 1 1 r N 1 r r In turn the equation describing the relationship between the present value of an annuity due and an ordinary annuity is as follows PVA Annuity Due PVA Ordinary Annuity 1 r Examples A private investor is going to buy a 3year fixedrate bond with a semiannual coupon payment of 500 Such cash flows are an example of an annuity due because coupon payments are regularly made at fixed intervals at the end of each halfyear Lets find their present value if the semiannual required rate of return is 525 The discounting of cash flows is shown in the chart below The present value of the first coupon payment received at the end of the first halfyear is 47506 The other cash flows are treated the same way PV 1 500 100525 1 47506 PV 2 500 100525 2 45136 PV 3 500 100525 3 42885 PV 4 500 100525 4 40746 PV 5 500 100525 5 38713 PV 6 500 100525 6 36782 So the total present value of all cash flows is 251768 We can also get the same value using the formula of present value of an ordinary annuity mentioned above PVA Ordinary Annuity 500 1 1 00525 6 251768 00525 Lets assume a scenario where coupon payments are made in advance at the beginning of each halfyear In this case we have an annuity due and its present value is equal to the sum of present values of all cash flows shown on the chart below The present value of the first coupon payment is 500 because it is received immediately zero point in the chart above The second coupon payment has a present value of 47506 The other coupon payments are treated the same way PV 1 500 100425 0 50000 PV 2 500 100425 1 47506 PV 3 500 100425 2 45136 PV 4 500 100425 3 42885 PV 5 500 100425 4 40746 PV 6 500 100425 5 38713 The total present value of all cash is 264986 We can get the same amount using the formula of present value of an annuity due PVA Annuity Due 500 1 1 0075 6 1 00525 264986 00525 or PVA Annuity Due PVA Ordinary Annuity 1 r 251768 1 00525 264986 Calculator and Tables You can also calculate the present value of an annuity using our online calculator or discount table Future Value of an Annuity Future Value of Uneven Cash Flows | [
"Present Value of an Annuity",
"cash flows",
"payment"
] |
http://financialplan.about.com/od/gettingmarried/a/buying-an-engagement-ring.htm | Financial Planning Life Stages What You Need to Know Before Buying an Engagement Ring Learn About the Average Cost of an Engagement Ring and How to Set a Budget โข โข โข By Jeremy Vohwinkle Updated November 16 , 2017 Today , deciding to get married can not only be a very happy decision for you and your future spouse , but an expensive one as well . Traditionally , one of the very first expenses is the engagement ring purchase . When deciding to get engaged , you โ ll surely have a lot running through your mind , but putting yourself into debt by buying an overpriced engagement ring should n โ t be one of them . When considering what to spend on an engagement ring , remember that while advertisers and social media have conditioned couples into believing that the size and price of the diamond is somehow correlated to the level of love and devotion , you know that simply is n โ t true . So here is some reliable and unbiased advice for how to buy a diamond engagement ring smartly and without breaking the bank . The Diamond as an Investment Sit down at any jewelry counter and you โ ll be sure to hear a sales pitch about the highest quality diamonds being a good investment . While it is true that diamonds are a precious commodity and that they may increase in value over time , remember that finding an investment is not the intention of this purchase . If it were , any financial advisor would advise you to look elsewhere as no one should be buying a diamond engagement ring as a way to diversify their portfolio . Diamond engagement rings should n โ t be a couple โ s emergency relief fund or a place to invest money , so focus your finances on the present and think about the diamond โ Busting Engagement Ring Budget Myths Before getting into what you should spend on an engagement ring , let ' s start with debunking some of the most common engagement ring budget myths : Myth 1 : You Should Spend X Month ' s Salary You ' re likely to have heard of the old โ two month โ s salary โ or even " three month ' s salary " budget standard , but that " standard " does n ' t account for your unique financial position or goals and seems rather arbitrary . So where did that rule even come from ? While it ' s been perpetuated and changed over the years , defining the suggested engagement ring budget in terms of monthly salary started with advertisements launched by the diamond conglomerate DeBeers in the 1930s . Any financially savvy consumer Myth 2 : You Should Spend What Everyone Else is Spending Others use the average cost of an engagement ring as a starting point . Though this may at first appear to be a good place to start the conversation , the average cost has not remained steady over the last few years . In fact , it has only been rising . And while the average cost of a jewelry store diamond engagement ring has been rising to now upwards of $ 5,800 to $ 6,000 in 2015 , so has the median age of first marriage and as a result , the financial security of the potential purchasers . How Much You Should Spend So the best advice we can give is to decide upon your budget based upon your personal financial situation before heading out to the jewelry store , where you put yourself under the pressure of sales people and special offers . Be realistic about what you can afford or the level of debt you ' re willing and able to take on and for how long . Remember that you are n โ t out to impress the jeweler ( who you โ ve never even met before ) or anyone else with the price of your engagement ring . Stay within your parameters and you โ ll keep yourself out of debt . Consider Shopping for the Ring Together Relationship statistics show that more than half of people surprise their loved one with a diamond engagement ring during the proposal . This means that the majority of engagement ring purchasers get no input as to what is most important to their future spouse in an engagement ring , which can make determining a budget to stick to all the more difficult . By bringing your future spouse along to look at possible rings , you can get a better picture of the engagement ring he or she will truly wants , which will inform your purchase . Even if shopping for the ring together is n ' t your ideal situation , simply talking about whether features like size , cut , style , and even cost are important to both of you will provide more direction . If style is more important than size or cut is more important than clarity , you will be able to determine how to best maximize and allocate your budget for the perfect ring . How Much Do Diamond Engagement Rings Cost There are two major factors which contribute to the cost of a diamond : a ratings system called the โ Four Cs โ and whether or not the diamond is ASG / GIA certified . The Four Cs refers to the diamond โ s color , cut , clarity , and carat size . As a general rule , as a diamond increases in size and clarity , and decreases in color , the price of the diamond rises . Diamonds that are ASG / GIA certified are also more expensive . Most jewelry stores follow some pricing structure similar to the following ( though other factors like the brands will always weigh in on the end purchase price as well ) : Quarter carat or less diamond , $ 125 to $ 500 set in 14 carat gold 0.3 to half carat diamond , $ 750 to $ 1,000 set in 18 carat gold or platinum , possibly more if ASG / GIA certified For diamonds up to 0.75 carat , or smaller ASG / GIA certified stones , $ 1,000 - $ 2,000 For diamonds up to 1 carat , $ 2,000 to $ 3,500 , set in 14 carat gold High quality 1 carat diamond , $ 4,000 or more , set in 18 carat gold or platinum Before you spend $ 5,000 on a diamond engagement ring , think about more practical uses for the money like a down payment on a house or for starting a family . A diamond may last forever , but if you are n ' t in the financial position to afford a big expensive ring you can always start out small and upgrade later if size is important to both of you . Would you rather spend the next five years paying off the credit card bill on that engagement ring purchase or start married life off on a sound financial foundation ? More Tips for Saving Money on an Engagement Ring Here are some alternatives to buying your ring from an expensive jeweler : Use a family ring for your engagement Buy a ring from an antique shop Stunning high - quality cubic zirconia Pawn shops or classified ads Consider an alternative stone to a diamond Purchase a setting using several smaller stones instead of one large stone Continue Reading + | [
"Engagement Ring",
"an Investment",
"Budget Myths"
] |
http://find-a-driving-school.ca/free-g1-practice-tests/g1-practice-test-one/ | G1 Test Practice : Free ON โ Drive Test โ G1 Practice Test 2019 Our most popular G1 practice test . Once you are 16 , you may visit a Drive Test location and test for the Ontario G1 licence with a written knowledge test of 40 multiple - choice questions . The G1 test is divided into two parts : 20 questions on road signs , and 20 questions on rules of the road . You must correctly answer 16 questions in each section to pass the test . In addition to the written exam , you will also need to pass a vision test and pay a $ 158.25 package fee , which will cover your knowledge test , almost identical to the real ones ( although , of course , there โ s really no way to know which set of questions you personally will get at the real exam ) . Start Now Show comments ON G1 Test Fact Sheet How many questions : 20 + 20 How many correct answers to pass : 16 + 16 Passing score : 80 % Success Stories See what other users are saying , or share your own success story ! Share Get Our Free App Download our free iOS or Android app and practise offline or on the go . | [
"G1 practice test",
"G1 licence",
"Ontario"
] |
http://findhoalaw.com/transfer-disclosures-escrow-documents/ | Transfer Disclosures Escrow Documents Sellers Duty to Disclose Information Civil Code Section 4525 requires an owner of a property within an association to provide various items of information and documents to a prospective purchaser of the owners property as soon as practicable before the transfer of title or the execution of a real property sales contract Civ Code 4525a Because the association is not a party to the transaction between the owner and the prospective purchaser the association has no general duty to disclose information to the prospective purchaser The Association can not be expected to make disclosures so as to impart information in relation to every possible sale of a unit within the development Were there such a requirement the Associations time could be consumed with the preparation of disclosure statements Any such rule would also render redundant the procedure of annual reports meetings and the disclosures of budgets established by statute Ostayan v Nordoff Townhomes HOA 2003 110 CalApp4th 120 130 However in order for the ownerseller to provide the prospective purchaser with the required documents the association is obligated to furnish those documents to the seller upon the sellers written request for the same discussed further below Additional Duty to Disclose DefectRelated Information In addition to the documents and information which must be provided under Section 4525 Civil Code Section 4535 places additional duties upon an ownerseller to disclose defectrelated information to a prospective purchaser required under Civil Code Section 1134 Before the transfer of title the seller must deliver to the prospective purchaser a written statement listing all substantial defects or malfunctions in the major systems in the unit and common areas or a written statement disclaiming knowledge of any such substantial defects or malfunctions Civ Code 1134a Major systems includes but is not limited to the roof walls floors heating air conditioning plumbing electrical systems or components of a similar or comparable nature and recreational facilities Civ Code 1134c Failure to make such disclosures prior to the execution of the purchase agreement gives the purchaser the right to terminate the agreement within specified timelines Civ Code 1134b Associations Obligations to Provide Requested Documents Upon written request from an owner an association is required to within ten 10 days of the mailing or delivery of the request provide the owner or the owners authorized recipient a copy of all the requested documents specified under Civil Code Section 4525 Civ Code 4530a1 Those documents include copies of the associations governing documents financial statement review annual budget report statements regarding rental restrictions etc See Civ Code 4525 and 4528 The required documents may be maintained in electronic form and may be posted on the associations web site Civ Code 4530a2 An association is not permitted to withhold delivery of the documents for any reason nor subject to any condition except for the owners payment of the fees authorized by Civil Code Section 4530b discussed below An association may contract with any person or entity to facilitate the production and distribution of the requested documents ie its management company Civ Code 4530c See also Berryman v Merit Property Management Inc 2007 152 CalApp4th 1544 Statutory Form Civil Code 4528 The documents required under Civil Code Section 4525 are itemized in the form required under Civil Code Section 4528 4528 Form The 4528 Form is then completed by the association in order to show what documents are being provided as well as the associations fees to be charged in providing those documents Fees Charged by the Association Allowable Fees An association is permitted to collect a reasonable fee based upon the associations actual costs for procuring preparing reproducing and delivering the requested documents but is not permitted to charge additional fees for delivering the documents electronically Civ Code 4530b1 The associations costs may include fees charged by the associations managing agent for the production of the documents Berryman v Merit Property Management Inc 2007 152 CalApp4th 1544 Sellers Obligation to Pay The seller is required to compensate the association for providing the requested documents to the prospective purchaser Civ Code 5300b8 Estimate Required A written or electronic estimate of the fees that will be charged by the association must be set forth on the 4528 Form Civ Code 4530b2 Fees for Cancelled Request If the request for documents is cancelled in writing by the same party that placed the order the association may only charge a cancellation fee if the association had already began working on the request and has not been compensated for the work it already performed Civ Code 4530b3A The association is required to refund all previously collected fees reflecting work which has not yet been performed Civ Code 4530b3BC Separate from Other Fees Fines Assessments Any fees charged by the association for documents must be distinguished from other fees fines or assessments billed as part of the property transfer or sales transaction Civ Code 4530b4 Documents in Sellers Possession If the seller is already in possession of current copies of any of the requested documents the seller must provide them to the prospective purchaser at no cost Civ Code 4530b6 Violations of Disclosure Requirements Any person who willfully violates the above requirements is liable to the purchaser of the property for actual damages and is further required to pay a civil penalty in an amount not to exceed five hundred dollars 500 Civ Code 4540 In an action to enforce this liability the prevailing party is entitled to an award of hisher reasonable attorneys fees Civ Code 4540 Related Topics Related Statutes Related Case Law AB 3041 Cunningham Real estate transfer fees prohibition AB 690 QuirkSilva Common interest developments managers conflicts of interest Transfer Fees Fees Costs for Records Annual Policy Statement Annual Budget Report | [
"the prospective purchaser"
] |
http://findingcarter.wikia.com/wiki/Cameron_Mason | in : Articles needing attention / Article stubs Characters Alive characters and 5 more Cameron Mason Edit Comments ( 3 ) Share This article is a stub . Please help Finding Carter Wiki by expanding it adding pictures , and improving existing text . First - time visiting / contributing ? Please refer to our Manual of Style Look , I destroy everything I touch . I do n ' t want to destroy you . โ Crash to Carter , in The Fugitive Cameron Mason Biographical information Date of birth ( in his early twenties ) Status Alive Occupation Military Drug Dealer ( formerly ) Mechanic ( formerly ) Nickname ( s ) Crash Physical description Relationships Show information Portrayed by Caleb Ruminer First seen Drive Last seen Atonement Season ( s ) 1 2 No . of episodes 19 Gallery Quotes Cameron " Crash " Mason is a former juvenile delinquent and drug dealer who is turning his life around after incarceration . To get away from his uncle , Crash signs up for the military . Crash and Carter have an on - again , off - again relationship Crash a recurring character on MTV ' s scripted series Finding Carter and is portrayed by Caleb Ruminer . He first appeared in Drive Season 1 ) . Contents show Biography Edit Early life Crash ' s mother abandoned him and his little brother when they were young ; she dropped them off at their aunt ' s house and never returned to pick them up . Crash blames himself for accidentally getting his younger brother , Ben , killed , because he was supposed to watch him one afternoon , but Crash felt too cool to play Battleship and instead brought 10 - year - old Ben to the welding warehouse . Ben , however , thought the warehouse was ugly and dirty and did n ' t want to come to it ; he did n ' t understand why he had to play there or why they could n ' t just stay home and play Battleship together . Crash had Ben sit in the truck whilst he and his friends sat around drinking ; the next thing they knew , the truck was in flames . The police tried to blame Crash and his friends for Ben ' s death , but Ben was playing with the ignition , and there was a weird defect with the truck . Life after meeting Carter Crash first sees Carter at the Fairfax Police Department , when Elizabeth is handcuffing him to a chair . They share a few glances , and Carter shows interest in him . They meet again at Bird ' s sanctuary , where he also tells Ofe that she could n ' t have had to be hospitalized from his drugs , because he his are n ' t that low - quality . When Carter has to leave , she invites the gang to her house to disappoint Elizabeth . Crash gets kicked out , however , when David and Elizabeth find him teaching Grant how to roll a joint . When Elizabeth tells Carter she does n ' t want her having anything to do with him ever again , Carter kisses Crash out of spite . Crash later apologizes to Carter , and the two make up , but when the police start chasing them , Carter gets upset again and makes him let her out . Crash apologizes again , this time for the stolen car , but Carter does n ' t want to see him . Instead , she wants help finding information out about Lori , though all the advice Crash has to offer is that Carter spend more time with Elizabeth , a cop , so she can potentially find out more information about Lori . Nevertheless , he promises Carter he ' ll help her find her . When Taylor Max Gabe , Ofe , Carter and Bird play 7 Minutes in Heaven , Crash and Bird wind up hooking up in the closet for their turn , which Bird cheated out of the game , thus causing tension between Carter and Bird . To confront Crash about her feelings for him that she has been in denial about , Carter has Bird take her to where he lives , even if it would disappoint him . She eventually convinces him to take her someplace important to him , and he takes her to the welding warehouse wherein his brother , Ben , died from a vehicle malfunction that caused an explosion . Manhunt After shooting Max and running away , Crash hides out at his warehouse and calls and texts Carter numerous times , as he wanted to say goodbye because he was leaving to California to escape capture . Carter eventually agreed and met him , though she knew Elizabeth would follow her and Crash was arrested . Though he was angry at first , his life changed because of this and he became a much better person . After incarceration Personality Crash is a former drug dealer who always got into trouble . He is sweet to his friends and is a gentleman to Carter , though he has a way of making Ofe nervous . Crash took risks and was a little too extreme when it came to not getting what he wanted and defied authority . After his uncle , Shay , helped in having his arrest charges dropped , Crash decided to turn his life around after realizing he needed to become a better individual . Now , he takes on a responsible , mature persona , gaining Elizabeth ' s respect in turn . Physical appearance Crash is tall with dirty blonde hair and bright blue eyes . He has a tattoo on his right arm that reads " i ' m going to die " , which he got because it was the first true thing anyone had ever said to him . Relationships This section should be summarised with paragraphs rather than using headers to separate the different relationships . See guidance in Wikipedia : Summary Style ( 24 June 2015 ) Carter Stevens Main article : Carter and Crash This article needs to be cleaned up to represent a neutral point of view ( NPOV ) . See guidance in Wikipedia : Neutral point of view ( 22 July , 2015 ) Carter is Crash ' s girlfriend . He met her in the police station as Elizabeth had brought him in . Their relationship started out as a friendship , however they grew feelings for each other . Though he often does stupid things , he loves Carter very much and would do anything for her . Ofe Ofe is a good friend of Crash , and he often sells drugs Crash gives him . When Crash learned Ofe had said he got the defective MDMA from him , Crash scolded Ofe for believing it would actually be something from him , because Crash gathers high - quality drugs . A nervous Ofe apologized . Trivia Photos This gallery only shows five pictures , randomly selected , related to the subject of the article . A more complete gallery can be found here . Any future additions should be done there . References โ Episode : The Fugitive โ Detective Wilson describes him as a man in his early twenties when she sends out an APB . Episode : Wrecking Ball v e Characters , Cast & Crew Categories Articles needing attention / Article stubs Characters Alive characters Male characters Articles needing attention Season 1 characters Season 2 characters Recurring characters Add category [ Configure Reference Popups ] | [
"Cameron Mason",
"drug dealer",
"Finding Carter"
] |
http://findmymarathon.com/fastestmarathoncourses.php | Obsessing about the Disney Marathon Weather Check out our Disney World Marathon Weather Tracker Enter your Goal Time and see what the conditions will be at different points on the course Fastest Marathon Courses This list ranks the fastest marathons based on the races Course Score The Course Score for each marathon is created from an algorithm derived from research on how grade and elevation affect marathon running performance race time weather is not factored in For more detailed information please visit the FAQ The BQ is the percentage of runners who qualified for the Boston Marathon according to the latest race results Although it is not always indicative of a fast or slow course the percent of Boston Marathon qualifiers can provide insight into the quality of the field andor the speed of the course To see a ranking of marathons based on the weather factors in addition to the course characteristics visit the Fastest Marathons page The list only includes certified marathon courses Keep in mind that Course Scores and ranking assume very good course management and pacing especially for the extremely downhill races Filter Marathons Months US States Provinces All First 1 2 3 Last Race Name Course Score BQ Elevation 1 REVEL Kulia Marathon Waimea HI 10949 Elevation 2 REVEL Mt Hood Marathon Portland OR 10944 3654 Elevation 3 Hawaii Bird Conservation Marathon Hilo HI 10805 3302 Elevation 4 Jack and Jills Downhill Marathon North Bend WA 10510 1821 Elevation 5 Jack and Jills Downhill Marathon Saturday North Bend WA 10510 2521 Elevation 6 Peak to Creek Marathon Morganton NC 10503 2019 Elevation 7 REVEL Big Bear Marathon Redlands CA 10470 2627 Elevation 8 REVEL Mt Charleston Marathon Las Vegas NV 10457 2963 Elevation 9 Tunnel Marathon North Bend WA 10437 4036 Elevation 10 Tunnel Light Marathon North Bend WA 10437 3837 Elevation 11 Tunnel Vision Marathon North Bend WA 10437 3904 Elevation 12 REVEL Big Cottonwood Marathon Cottonwood UT 10382 2300 Elevation 13 Super Marathon North Bend WA 10373 3411 Elevation 14 Cascade Express Marathon North Bend WA 10373 1292 Elevation 15 Leavenworth Marathon Leavenworth WA 10280 829 Elevation 16 Pocono Mountain Run for the Red Marathon Stroudsburg PA 10243 2786 Elevation 17 Dog Lake Marathon White Pass WA 10209 010 Elevation 18 St George Marathon St George UT 10181 1611 Elevation 19 New England Green River Marathon Greenfield MA 10171 1705 Elevation 20 MesaPhx Marathon Mesa AZ 10167 2454 Elevation 21 Rogue Run Marathon Medford OR 10164 870 Elevation 22 Ventura Marathon Ventura CA 10152 1587 Elevation 23 Steamtown Marathon Scranton PA 10098 839 Elevation 24 Buckeye Marathon Buckeye AZ 10088 1694 Elevation 25 Tucson Marathon Tucson AZ 10073 1623 Elevation 26 Hamilton Marathon Road2Hope Hamilton ON 10069 2246 Elevation 27 REVEL Mt Lemmon Marathon Tucson AZ 10069 2386 Elevation 28 Mountains 2 Beach Marathon Ventura CA 10054 3342 Elevation 29 Whistlestop Marathon Ashland WI 10050 1119 Elevation 30 P tit Train du Nord Marathon SaintJerome QC 10042 1907 Elevation 31 California International Marathon Sacramento CA 10038 2708 Elevation 32 Huntsville Marathon Huntsville UT 10025 1090 Elevation 33 Mississauga Marathon Mississauga ON 10014 1910 Elevation 34 Deseret News Marathon Salt Lake City UT 10011 1382 Elevation 35 Sugarloaf Marathon Kingfield ME 10010 3011 Elevation 36 Pacific Northwest Marathon Harrisburg OR 10004 1717 Elevation 37 Redding Marathon Redding CA 10002 1405 Elevation 38 Windermere Marathon Spokane WA 9992 954 Elevation 39 Vernonia Marathon Banks OR 9992 1977 Elevation 40 Erie Marathon at Presque Isle Erie PA 9991 4574 Elevation 41 Sun Marathon Santa Clara UT 9988 1680 Elevation 42 Ft Lauderdale A1A Marathon Ft Lauderdale FL 9986 766 Elevation 43 Marquette Marathon Marquette MI 9986 1333 Elevation 44 Gusher Marathon Beaumont TX 9986 612 Elevation 45 Rock n Roll New Orleans Marathon New Orleans LA 9984 245 Elevation 46 Lookmatters Gopher Attack Marathon Regina SK 9981 Elevation 47 Palm Beach Marathon West Palm Beach FL 9980 221 Elevation 48 Lost Dutchman Marathon Apache Junction AZ 9979 797 Elevation 49 MohawkHudson River Marathon Albany NY 9979 1136 Elevation 50 Skagit Flats Marathon Burlington WA 9979 1479 Elevation | [
"Boston Marathon",
"Courses",
"Score"
] |
http://finedesign-llc.com/ | Appraisals 1 2 3 4 5 Services Fine Design is owned and operated by Bronwyn Stoner Bronwyn has been an interior designer for over 20 years She is a member of the American Society of Interior Designers ASID Fine Design offers over twenty years of professional interior design experience with extensive knowledge of remodeling redecorating space planning furnishing and staging Fine Designs services include interior design window treatments collectables estate sales appraisal services overall moving plans and whole house or business liquidation Appraisals Bronwyn Stoner CAGA Allied ASID is an appraiser of Custom Window Treatments Elegant drapery panels look equally great in a traditiona Estate Sales Fine Design understands the trauma and stress related to Interior Design FineDesign designed the interior of this Showcase Home by From The Blog View All Posts Bringing Back the Seventies Our current project is all about Bringing Back the Seventies Were renovating one of those pseudo modern houses built in the 1970s80 February 7 2017 0 Comments | [
"Services",
"Blog"
] |
http://finishingwoodfloors.com/products_supplies/wood_floor_stain_colors.html | Floor Stains : Stains Used for Wood Floors Floor Stains Stains are made of either pigments , dyes , or a combination of both . They change the color of the wood and also may seal it . Colors range from neutral to light browns , dark browns and pastels . Stains may be oil - based , water - based , or anilines . OIL - BASED Oil - based stains are the most widely used today . Contractors use them because they take a relatively long time to dry , which helps prevent lap marks . Fast - dry oil - based stains contain some solvent other than mineral spirits , such as alcohol . Such solvents have a faster evaporation time and thus dry more quickly . Some oil - based stains on the market are referred to as " penetrating " stains . In the wood flooring market , this means a high - viscosity ( thicker ) formula stain that also seals the floor . Such stains tend to give floors the appearance of more depth . Application To apply oil - based stains , use a recommended applicator ( typically 100 percent cotton rags , lambswool applicators , or natural - bristle brushes ) . Apply the stain and allow it to penetrate for the recommended amount of time . Remove the excess by hand wiping with rags . Some manufacturers recommend burnishing the floor with fine steel wool , a white pad , 100 percent cotton rags or towels . This can help in the drying process and may reduce bleed back . ' TYPical dry time is eight to 24 hours , depending onJob site conditions , and possibly longer for darker pigmented and pastel stains . WATERBORNE Waterborne stains also dry through evaporation of a solvent - in this case , water . These stains are fast - drying . Because they are fast - drying , you may be able to coat over water - based stains in a few hours , depending on job - site conditions and the finish to be used . Application Waterborne stains should be wiped on and off with clean cotton rags , working with the grain . Apply small areas at a time , taking care to wipe the stain off thoroughly and quickly . Areas with too much stain may show lap marks . Lapping may occur due to rapid dry time , and the stains may raise the grain . Typical dry time for water - based stains is 1 to 3 hours , depending on job site conditions . ANILINE DYE These colors are made from aniline oils or coal tar derivatives . Aniline dyes are made in different grades to be soluble in water , alcohol or oil - based solvents , and are called water colors , spirit colors and oil colors , respectively . They provide intense color but tend to fade quickly , and are difficult to apply because of their extremely fast dry times . GENERAL STAINING TIPS โข Make sure the floor is clean before applying any stain . โข A stain is only as good as the sanding job underneath it - stain will emphasize irregularities such as edger marks , chatter marks , picture framing , scraping marks and abrasion patterns . It will also highlight problems from skipping too many sandpaper grits . โข " Popping the grain " by lightly moistening the wood and letting it dry ( confirm dryness with a moisture meter ) before the stain is applied allows the stain to penetrate more , making the stain appear more intense . โข A finer grit of sandpaper used before staining will leave the wood surface smoother , making the stain color appear lighter than if a coarser sandpaper grit is used . โข Stains must by completely dry before a coat of sealer or finish is applied . โข Stains take differently with different species of wood - make samples to ensure the desired color and , if possible , make samples on the actual job site . โข Highly pigmented stains , e.g. , white , pastel , mahogany or ebony , can take substantially longer to dry than other stains . โข Some wood species such as maple and pine are difficult to stain because they do not accept stain uniformly . โข Some stain colors are not compatible with waterbased finishes . BLEACHING Bleaching will not turn a wood floor white . Rather , it reduces variations in color without obscuring the - grain pattern . The process damages the fiber of the wood and changes the existing color of the wood red oak will lighten to a pink cast , while white oak will take on a greenish cast . Many water - based finishes are not compatible with a previously bleached wood floor . Use only bleach specifically formulated for wood flooring . Because bleaching raises the grain of the wood , sanding with fine paper or buffing may be necessary to restore a smooth surface . Use a system of compatible bleach , stain and finish . Before using different products , check with the manufacturers for compatibility , and do a test area in an inconspicuous place . Always use nonambering products , and be aware that most wood fillers can not be bleached . The bleach must dry completely and the wood must return to its original moisture content before a white stain or other finish is applied . Common Wood Floor Stains from Minwax ยฎ Floor Stains Natural 209 View Product Golden Oak 210B Provincial 211 Red Oak 215 Puritan Pine 218 Ipswich Pine 221 Sedona Red 222 Colonial Maple 223 Special Walnut 224 Red Mahogany 225 Early American 230 Gunstock 231 Gunstock 231 ct Page Re Chestnut 2 Red Chestnut 232 Eh English Chestnut 233 View Product Page Cherry 235 V Fruitwood 241 Fruitwood 241 Golden Pecan 245 Vt Page Pickled Oak 260 6 Driftwood 2126 V Dark Walnut 2716 [ x ] Ebony 2718 V | [
"Floor Stains",
"wood flooring",
"Waterborne stains"
] |
Subsets and Splits
No community queries yet
The top public SQL queries from the community will appear here once available.