Datasets:
sohomghosh
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FinRAD_Financial_Readability_Assessment_Dataset

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Federal Agencies
Federal agencies are special government organizations set up for a specific purpose such as, the management of resources, financial oversight of industries, or national security issues. These organizations are typically created by legislative action, but may initially be set up by presidential order as well. The directors of these agencies are typically selected by presidential appointment.
investopedia
1
18.65
15.3
17.9
17
16.4
11.05
16
18.91
Federal Communications Commission (FCC)
The term Federal Communications Commission (FCC) refers to an independent U.S. government agency that oversees all interstate and international communications. The FCC maintains standards and consistency among types of media and methods of communication while protecting the interests of consumers and businesses. It allocates cellular and wireless access, regulates media company mergers and acquisitions (M&A), protects intellectual property rights, and regulates standards of content and distribution for all media companies operating in the United States. The agency is accountable to U.S. Congress and its actions are monitored closely by investors.
investopedia
1
19.37
15
16.2
17.8
17.1
12.42
14.2
16.98
Federal Deposit Insurance Corporation (FDIC)
The Federal Deposit Insurance Corporation (FDIC) is an independent federal agency insuring deposits in U.S. banks and thrifts in the event of bank failures. The FDIC was created in 1933 to maintain public confidence and encourage stability in the financial system through the promotion of sound banking practices. As of 2020, the FDIC insures deposits up to $250,000 per depositor as long as the institution is a member firm. It is critical for consumers to confirm if their institution is FDIC insured.
investopedia
1
50.67
11.3
14.6
11.78
13.1
11.78
14.25
15.03
Federal Direct Loan Program
The Federal Direct Loan Program provides low-interest student loans to postsecondary students (undergraduates and graduate students) and to their parents. The William D. Ford Federal Direct Loan Program is issued and managed by the U.S. Department of Education and is the only government-backed student loan program in the United States.
investopedia
1
41.87
10.5
11.7
14.2
11.9
10.89
7.5
10.6
Federal Discount Rate
The federal discount rate is the interest rate set by the Federal Reserve (Fed) on loans extended by the central bank to commercial banks or other depository institutions. Adjusting the discount rate allows central banks such as the Fed to reduce liquidity problems and the pressures of reserve requirements, control the supply of money in the economy and basically assure stability in the financial markets.
investopedia
1
21.57
18.3
0
13.65
19.8
11.56
23.25
21
Federal Funds
Federal funds, often referred to as fed funds, are excess reserves that commercial banks and other financial institutions deposit at regional Federal Reserve banks; these funds can be lent, then, to other market participants with insufficient cash on hand to meet their lending and reserve needs. The loans are unsecured and are made at a relatively low interest rate, called the federal funds rate or overnight rate, as that is the period for which most such loans are made.
investopedia
1
39.84
17.5
0
11.79
22
9.99
26.25
21.37
Federal Home Loan Bank System (FHLB)
The Federal Home Loan Bank (FHLB) System is a consortium of 11 regional banks across the U.S. that was created by the federal government to keep a reliable stream of cash available to other banks for lending to individuals.
investopedia
1
31.89
18.5
0
10.11
20.4
11.24
27.5
21.75
Federal Housing Administration (FHA)
The Federal Housing Administration (FHA) is a U.S. agency offering mortgage insurance to FHA-approved lenders that meet specific qualifications. Mortgage insurance protects lenders against losses from mortgage defaults. If a borrower defaults on a loan, the FHA pays the lender a specified claim amount.
investopedia
1
48.09
10.2
13
15.48
13.9
12.26
10.333333
13.15
Federal Housing Administration Loan
A Federal Housing Administration (FHA) loan is a mortgage that is insured by the Federal Housing Administration (FHA) and issued by an FHA-approved lender. FHA loans are designed for low-to-moderate-income borrowers; they require a lower minimum down payment and lower credit scores than many conventional loans.
investopedia
1
31.21
14.6
0
15.32
17.4
11.3
15.5
14.42
Federal Income
The federal income tax is the tax levied by the Internal Revenue Service (IRS) on the annual earnings of individuals, corporations, trusts, and other legal entities. Federal income taxes are applied to all forms of earnings that make up a taxpayer's taxable income, such as employment earnings or capital gains.
investopedia
1
37.64
14.2
0
12.6
15.9
10.88
17.5
16.4
Federal Insurance Contributions Act (FICA)
The Federal Insurance Contributions Act (FICA) is a U.S. law that mandates a payroll tax on the paychecks of employees, as well as contributions from employers, to fund the Social Security and Medicare programs. For self-employed persons, there is an equivalent law called the Self-Employed Contributions Act (SECA).
investopedia
1
38.66
13.8
0
14.34
17.3
11.74
17.5
15.43
Federal Open Market Committee (FOMC)
The Federal Open Market Committee (FOMC) is the branch of the Federal Reserve System (FRS) that determines the direction of monetary policy specifically by directing open market operations (OMO). The committee is made up of twelve members: the seven members of the Board of Governors; the president of the Federal Reserve Bank of New York; and four of the remaining eleven Reserve Bank presidents on a rotating basis.
investopedia
1
28.51
17.7
0
12.37
20
10.2
25.5
21.25
Federal Open Market Committee Meeting (FOMC Meeting)
The Federal Open Market Committee (FOMC) is the branch of the Federal Reserve System (FRS) that determines the direction of monetary policy specifically by directing open market operations (OMO). The committee is made up of twelve members: the seven members of the Board of Governors; the president of the Federal Reserve Bank of New York; and four of the remaining eleven Reserve Bank presidents on a rotating basis.
investopedia
1
28.51
17.7
0
12.37
20
10.2
25.5
21.25
Federal Poverty Level (FPL)
The federal poverty level (FPL), or the "poverty line", is an economic measure used to decide whether the income level of an individual or family qualifies them for certain federal benefits and programs. The Department of Health and Human Services (HHS) updates its poverty guidelines, illustrating the set minimum amount of income that a family needs for food, clothing, transportation, shelter, and other necessities, once a year, adjusted for inflation.
investopedia
1
27.49
18.1
0
13.99
22.1
10.56
25
20.86
Federal Reserve Bank
The Federal Reserve System (FRS), often called simply "the Fed," is the central bank of the United States and arguably the most powerful financial institution in the world. It was founded to provide the country with a safe, flexible, and stable monetary and financial system.
investopedia
1
48.64
12.1
0
11.49
14
9.66
14.75
13.44
Federal Reserve Board (FRB)
The Board of Governors of the Federal Reserve System, also known as the Federal Reserve Board (FRB), is the governing body of the Federal Reserve System. The FRB was established by the Banking Act of 1935. The members are statutorily tasked with giving a “fair representation of the financial, agricultural, industrial, and commercial interests and geographical divisions of the country.”
investopedia
1
34.26
13.5
15.9
13.75
14.6
9.89
15
16.67
Federal Reserve System (FRS)
The Federal Reserve System (FRS) is the central bank of the U.S. The Fed, as it is commonly known, regulates the U.S. monetary and financial system. The Federal Reserve System is composed of a central governmental agency in Washington, D.C., the Board of Governors, and 12 regional Federal Reserve Banks in major cities throughout the U.S.
investopedia
1
52.49
10.6
14.1
10.56
11.9
11.05
13
13.91
Federal Trade Commission (FTC)
The Federal Trade Commission (FTC) is an independent agency of the U.S. government that aims to protect consumers and ensure a strong competitive market by enforcing consumer protection and antitrust laws. Its principal purpose is to enforce non-criminal antitrust laws in the United States, by preventing and eliminating anticompetitive business practices, including coercive monopoly.
investopedia
1
18.69
17.4
0
17.82
21.1
13.16
21
21.17
Federal Unemployment Tax Act (FUTA)
The Federal Unemployment Tax Act (FUTA) is a piece of legislation that imposes a payroll tax on any business with employees. The revenue it generates is allocated to state unemployment insurance agencies and used to fund unemployment benefits for people who are out of work.
investopedia
1
40.18
13.2
0
12.13
13.9
9.66
16.75
17
Feasibility Study
A feasibility study is an analysis that takes all of a project's relevant factors into account—including economic, technical, legal, and scheduling considerations—to ascertain the likelihood of completing the project successfully. Project managers use feasibility studies to discern the pros and cons of undertaking a project before they invest a lot of time and money into it.
investopedia
1
17.68
17.8
0
15.73
19.7
11.79
21
20.49
Fee
A fee is a fixed price charged for a specific service. Fees are applied in a variety of ways such as costs, charges, commissions, and penalties. Fees are most commonly found in heavily transactional services and are paid in lieu of a wage or salary.
investopedia
1
73.17
6.8
11.2
7.88
7.6
11.05
8.5
11.33
Feed-In Tariff (FIT)
A feed-in tariff is a policy tool designed to promote investment in renewable energy sources. This usually means promising small-scale producers of the energy—such as solar or wind energy—an above-market price for what they deliver to the grid.
investopedia
1
43.73
11.9
0
13.58
13.7
10.81
14.5
14.97
Feeder Fund
A feeder fund is one of several sub-funds that put all of their investment capital into an overarching umbrella fund, known as a master fund, for which a single investment advisor handles all portfolio investments and trading. This two-tiered investment structure of a feeder fund and a master fund is commonly used by hedge funds as a means of assembling a larger portfolio account by pooling investment capital.
investopedia
1
36.97
16.6
0
12.31
19.5
9.5
24.5
17.72
FHA 203(k) Loan
An FHA 203(k) loan is a type of government-insured mortgage that allows the borrower to take out one loan for two purposes – in particular, for home purchase and home renovation. An FHA 203(k) loan is wrapped around rehabilitation or repairs to a home that will become the mortgagor’s primary residence. An FHA 203(k) is effectively an FHA construction loan.
investopedia
1
41.03
15
0
11.33
17.2
10.12
20
18
Fiat Money
Fiat money is government-issued currency that is not backed by a physical commodity, such as gold or silver, but rather by the government that issued it. The value of fiat money is derived from the relationship between supply and demand and the stability of the issuing government, rather than the worth of a commodity backing it as is the case for commodity money. Most modern paper currencies are fiat currencies, including the U.S. dollar, the euro, and other major global currencies.
investopedia
1
35.61
15
15.9
11.44
15.9
8.87
18.5
14.75
Fibonacci Extensions
Fibonacci extensions are a tool that traders can use to establish profit targets or estimate how far a price may travel after a retracement/pullback is finished. Extension levels are also possible areas where the price may reverse.
investopedia
1
44.24
11.7
0
12.82
12.6
10.96
12.75
13.89
Fibonacci Numbers and Lines
Fibonacci numbers are used to create technical indicators using a mathematical sequence developed by the Italian mathematician, commonly referred to as "Fibonacci," in the 13th century. The sequence of numbers, starting with zero and one, is created by adding the previous two numbers. For example, the early part of the sequence is 0, 1, 1, 2, 3, 5, 8, 13, 21, 34, 55, 89,144, 233, 377, and so on.
investopedia
1
48.13
12.3
14.6
8.88
12.8
12.79
15.5
15.58
Fibonacci Retracement
Fibonacci retracement levels are horizontal lines that indicate where support and resistance are likely to occur. They are based on Fibonacci numbers. Each level is associated with a percentage. The percentage is how much of a prior move the price has retraced. The Fibonacci retracement levels are 23.6%, 38.2%, 61.8%, and 78.6%. While not officially a Fibonacci ratio, 50% is also used.
investopedia
1
52.56
8.5
11.5
10.07
8.6
10.51
6.333333
9.28
FICO Score
A FICO score is a credit score created by the Fair Isaac Corporation (FICO). Lenders use borrowers’ FICO scores along with other details on borrowers’ credit reports to assess credit risk and determine whether to extend credit. FICO scores take into account data in five areas to determine creditworthiness: payment history, current level of indebtedness, types of credit used, length of credit history, and new credit accounts.
investopedia
1
29.01
17.5
0
14.11
21
10.48
21.75
16.98
Fidelity Bond
A fidelity bond is a form of business insurance that offers an employer protection against losses that are caused by its employees' fraudulent or dishonest actions. This form of insurance can protect against monetary or physical losses.
investopedia
1
44.24
11.7
0
13.58
13.3
10.53
14.25
17.13
Fiduciary
A fiduciary is a person or organization that acts on behalf of another person or persons, putting their clients' interest ahead of their own, with a duty to preserve good faith and trust. Being a fiduciary thus requires being bound both legally and ethically to act in the other's best interests.
investopedia
1
54.05
12.1
0
10.33
14
9.24
16.25
14.12
Filing Status
Filing status is a category that defines the type of tax return form a taxpayer must use when filing his or her taxes. Filing status is closely tied to marital status.
investopedia
1
64.2
8.2
0
7.65
7.1
9.5
8.25
10.07
Fill Or Kill (FOK)
Fill or kill (FOK) is a conditional type of time-in-force order used in securities trading that instructs a brokerage to execute a transaction immediately and completely or not at all. This type of order is most often used by active traders and is usually for a large quantity of stock. The order must be filled in its entirety or else canceled (killed).
investopedia
1
58.92
10.2
14.1
9.4
11.2
9.5
14
14.73
Financial Account
In macroeconomics, a financial account is a component of a country’s balance of payments that covers claims on or liabilities to nonresidents, specifically with regard to financial assets. Financial account components include direct investment, portfolio investment and reserve assets broken down by sector.
investopedia
1
15.81
16.4
0
17.93
18.5
11.68
16.75
16.97
Financial Accounting
Financial accounting is a specific branch of accounting involving a process of recording, summarizing, and reporting the myriad of transactions resulting from business operations over a period of time. These transactions are summarized in the preparation of financial statements, including the balance sheet, income statement and cash flow statement, that record the company's operating performance over a specified period.
investopedia
1
16.15
18.3
0
18.4
22.5
11.26
25.75
24
Financial Accounting Standards Board (FASB)
The Financial Accounting Standards Board (FASB) is an independent nonprofit organization responsible for establishing accounting and financial reporting standards for companies and nonprofit organizations in the United States, following generally accepted accounting principles (GAAP). The FASB was formed in 1973 to succeed the Accounting Principles Board and carry on its mission. It is based in Norwalk, Conn.
investopedia
1
18.35
15.4
17.9
18.04
17.5
10.95
16.166667
16.72
Financial Advisor
A financial advisor provides financial advice or guidance to customers for compensation. Financial advisors (sometimes spelled as advisers) can provide many different services, such as investment management, tax planning, and estate planning. Increasingly, financial advisors are acting as a "one-stop-shop" by providing everything from portfolio management to insurance products.
investopedia
1
12.63
15.5
17.5
20.18
18.7
11.53
14.5
15.5
Financial Analysis
Financial analysis is the process of evaluating businesses, projects, budgets, and other finance-related transactions to determine their performance and suitability. Typically, financial analysis is used to analyze whether an entity is stable, solvent, liquid, or profitable enough to warrant a monetary investment.
investopedia
1
16.32
16.2
0
19.2
19.8
13.33
18.5
21.73
Financial Asset
A financial asset is a liquid asset that gets its value from a contractual right or ownership claim. Cash, stocks, bonds, mutual funds, and bank deposits are all are examples of financial assets. Unlike land, property, commodities, or other tangible physical assets, financial assets do not necessarily have inherent physical worth or even a physical form. Rather, their value reflects factors of supply and demand in the marketplace in which they trade, as well as the degree of risk they carry.
investopedia
1
50.87
11.2
14.6
11.49
12.9
10.1
14.125
14.05
Finance Charge
A finance charge is a fee charged for the use of credit or the extension of existing credit. It may be a flat fee or a percentage of borrowings, with percentage-based finance charges being the most common. A finance charge is often an aggregated cost, including the cost of carrying the debt along with any related transaction fees, account maintenance fees, or late fees charged by the lender.
investopedia
1
56.89
11
14.1
10.22
12.6
9.41
15
14.96
Financial Crisis
In a financial crisis, asset prices see a steep decline in value, businesses and consumers are unable to pay their debts, and financial institutions experience liquidity shortages. A financial crisis is often associated with a panic or a bank run during which investors sell off assets or withdraw money from savings accounts because they fear that the value of those assets will drop if they remain in a financial institution.
investopedia
1
35.95
16.9
0
12.95
20.5
9.88
22.5
18
Financial Distress
Financial distress is a condition in which a company or individual cannot generate sufficient revenues or income, making it unable to meet or pay its financial obligations. This is generally due to high fixed costs, a large degree of illiquid assets, or revenues sensitive to economic downturns. For individuals, financial distress can arise from poor budgeting, overspending, too high of a debt load, lawsuit, or loss of employment.
investopedia
1
39.97
13.3
16.3
13.29
15.2
10.34
16.666667
16.73
Financial Economics
Financial economics is a branch of economics that analyzes the use and distribution of resources in markets. Financial decisions must often take into account future events, whether those be related to individual stocks, portfolios, or the market as a whole.
investopedia
1
34.26
13.5
0
14.33
14.9
10.16
15
16
Financial Engineering
Financial engineering is the use of mathematical techniques to solve financial problems. Financial engineering uses tools and knowledge from the fields of computer science, statistics, economics, and applied mathematics to address current financial issues as well as to devise new and innovative financial products.
investopedia
1
15.31
16.6
0
17.93
18.7
12.26
17.5
16.07
Financial Exposure
Financial exposure is the amount an investor stands to lose in investment should the investment fail. For example, the financial exposure involved in purchasing a car would be the initial investment amount minus the insured portion. Knowing and understanding financial exposure, which is an alternative name for risk, is a crucial part of the investment process.
investopedia
1
44.03
11.8
15.5
14.1
13.9
9.64
14
12.48
Financial Guarantee
The term financial guarantee refers to an agreement that guarantees a debt will be repaid to a lender by another party in case the borrower defaults. It can take the form of a contract wherein a third party agrees to back a second party's debt for its payments to a debt holder.
investopedia
1
62.01
11.1
0
8.01
12.2
9.48
15.5
13.48
Financial Health
Financial health is a term used to describe the state of one's personal monetary affairs. There are many dimensions to financial health, including the amount of savings you have, how much you’re putting away for retirement, and how much of your income you are spending on fixed or non-discretionary expenses.
investopedia
1
54.56
11.9
0
12.25
15.5
9.3
17
16.4
Financial Inclusion
Financial inclusion refers to efforts to make financial products and services accessible and affordable to all individuals and businesses, regardless of their personal net worth or company size. Financial inclusion strives to remove the barriers that exclude people from participating in the financial sector and using these services to improve their lives. It is also called inclusive finance.
investopedia
1
34.97
13.2
16.3
16.01
15.6
10.31
15
15.31
Financial Independence, Retire Early (FIRE)
Financial Independence, Retire Early (FIRE) is a movement dedicated to a program of extreme savings and investment that allows proponents to retire far earlier than traditional budgets and retirement plans would allow.
investopedia
1
13.62
19.3
0
16.49
22.1
12.63
24
22.8
Financial Industry Regulatory Authority (FINRA)
The Financial Industry Regulatory Authority (FINRA) is an independent, nongovernmental organization that writes and enforces the rules governing registered brokers and broker-dealer firms in the United States. Its stated mission is "to safeguard the investing public against fraud and bad practices." It is considered a self-regulatory organization.
investopedia
1
13.24
15.3
15.5
18.56
16.8
12.48
12.5
15.64
Financial Information Exchange (FIX)
The Financial Information eXchange (FIX) is a vendor-neutral electronic communications protocol for the international real-time exchange of securities transaction information. The protocol is used by the FIX community, which includes nearly 300 member firms including all major investment banks.
investopedia
1
9.38
16.8
0
19.9
19.4
11.49
17.25
19.08
Financial Institution (FI)
A financial institution (FI) is a company engaged in the business of dealing with financial and monetary transactions such as deposits, loans, investments, and currency exchange. Financial institutions encompass a broad range of business operations within the financial services sector including banks, trust companies, insurance companies, brokerage firms, and investment dealers. Virtually everyone living in a developed economy has an ongoing or at least periodic need for the services of financial institutions.
investopedia
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13.28
17.4
20.3
17.87
19.7
11.63
21
20.16
Financial Instrument
Financial instruments are assets that can be traded, or they can also be seen as packages of capital that may be traded. Most types of financial instruments provide efficient flow and transfer of capital all throughout the world's investors. These assets can be cash, a contractual right to deliver or receive cash or another type of financial instrument, or evidence of one's ownership of an entity.
investopedia
1
49.15
11.9
15.9
11.43
13.5
9.51
16
14.25
Financial Literacy
Financial literacy is the ability to understand and effectively use various financial skills, including personal financial management, budgeting, and investing. Financial literacy is the foundation of your relationship with money, and it is a lifelong journey of learning. The earlier you start, the better off you will be, because education is the key to success when it comes to money.
investopedia
1
25.8
14.6
17.5
13.58
14.3
9.63
16.333333
17.33
Financial Market
Financial markets refer broadly to any marketplace where the trading of securities occurs, including the stock market, bond market, forex market, and derivatives market, among others. Financial markets are vital to the smooth operation of capitalist economies.
investopedia
1
27.32
14
0
16.71
16.3
11.81
13.25
14.97
Financial Modeling
Financial modeling is the process of creating a summary of a company's expenses and earnings in the form of a spreadsheet that can be used to calculate the impact of a future event or decision.
investopedia
1
35.95
16.9
0
9.35
17.5
11.69
25.5
23.14
Financial Performance
Financial performance is a subjective measure of how well a firm can use assets from its primary mode of business and generate revenues. The term is also used as a general measure of a firm's overall financial health over a given period.
investopedia
1
50.16
11.5
0
9.4
11.1
9.19
14.5
14.11
Financial Plan
A financial plan is a document containing a person's current money situation and long-term monetary goals, as well as strategies to achieve those goals. A financial plan may be created independently or with the help of a certified financial planner.
investopedia
1
42.72
12.3
0
12.47
13.3
10.16
15
16
Financial Planner
A financial planner is a qualified investment professional who helps individuals and corporations meet their long-term financial objectives. Financial planners do their work by consulting with clients to analyze their goals, risk tolerance, and life or corporate stages, then identify a suitable class of investments for them. From there they may set up a program to help the client meet those goals by distributing their available savings into a diversified collection of investments designed to grow or provide income, as desired.
investopedia
1
35.61
15
17.5
14.8
18.4
10.82
19.833333
18.7
Financial Risk
Financial risk is the possibility of losing money on an investment or business venture. Some more common and distinct financial risks include credit risk, liquidity risk, and operational risk.
investopedia
1
39.84
11.3
0
14.14
12.5
11.43
10.25
12.7
Financial Risk Manager (FRM)
Financial Risk Manager (FRM) is a professional designation issued by the Global Association of Risk Professionals (GARP).
investopedia
1
11.92
15.8
0
16.53
16.2
13.77
14.5
18.56
Financial Sector
The financial sector is a section of the economy made up of firms and institutions that provide financial services to commercial and retail customers. This sector comprises a broad range of industries including banks, investment companies, insurance companies, and real estate firms.
investopedia
1
33.24
13.8
0
15.84
16.5
12.2
16.5
17.92
Financial Statement Analysis
Financial statement analysis is the process of analyzing a company's financial statements for decision-making purposes. External stakeholders use it to understand the overall health of an organization as well as to evaluate financial performance and business value. Internal constituents use it as a monitoring tool for managing the finances.
investopedia
1
21.09
14.4
16.7
16.64
15
10.89
13.833333
17.95
Financial Statements
Financial statements are written records that convey the business activities and the financial performance of a company. Financial statements are often audited by government agencies, accountants, firms, etc. to ensure accuracy and for tax, financing, or investing purposes. Financial statements include:
investopedia
1
23.73
13.4
15.5
18.2
15.7
10.86
11.5
14.26
Financial Structure
Financial structure refers to the mix of debt and equity that a company uses to finance its operations. This composition directly affects the risk and value of the associated business. The financial managers of the business have the responsibility of deciding the best mixture of debt and equity for optimizing the financial structure.
investopedia
1
36.59
12.6
15
13.28
12.7
9.88
13.166667
13.87
Financial System
A financial system is a set of institutions, such as banks, insurance companies, and stock exchanges, that permit the exchange of funds. Financial systems exist on firm, regional, and global levels. Borrowers, lenders, and investors exchange current funds to finance projects, either for consumption or productive investments, and to pursue a return on their financial assets. The financial system also includes sets of rules and practices that borrowers and lenders use to decide which projects get financed, who finances projects, and terms of financial deals.
investopedia
1
49.86
11.6
13.8
14.27
15.7
11.01
14.125
12.76
Financial Technology (Fintech)
Financial technology (Fintech) is used to describe new tech that seeks to improve and automate the delivery and use of financial services. ​​​At its core, fintech is utilized to help companies, business owners and consumers better manage their financial operations, processes, and lives by utilizing specialized software and algorithms that are used on computers and, increasingly, smartphones. Fintech, the word, is a combination of "financial technology".
investopedia
1
21.06
18.5
0
16.6
23.2
11.02
25
21.08
Financial Times Stock Exchange Group (FTSE)
The Financial Times Stock Exchange (FTSE), now known as FTSE Russell Group, is a British financial organization that specializes in providing index offerings for the global financial markets. The London Stock Exchange Group (LSEG) owns the FTSE Russell Group. In addition to the FTSE Russell Group, the LSEG also owns the Borsa Italiana, Millennium IT, and other financial brands.
investopedia
1
51.48
11
13.6
13.58
14.5
9.97
13.166667
12.63
Financing
Financing is the process of providing funds for business activities, making purchases, or investing. Financial institutions, such as banks, are in the business of providing capital to businesses, consumers, and investors to help them achieve their goals. The use of financing is vital in any economic system, as it allows companies to purchase products out of their immediate reach.
investopedia
1
43.02
12.2
15.5
13.81
14.5
10.77
14.5
15.34
Finder's Fee
A finder's fee (also known as "referral income" or "referral fee") is a commission paid to an intermediary or the facilitator of a transaction. The finder's fee is rewarded because the intermediary discovered the deal and brought it to the attention of interested parties. The presumption is that without the intermediary, the parties never would have found the deal, and the facilitator thus warrants compensation.
investopedia
1
32.53
14.1
15.9
12.88
14.8
8.11
15.833333
14.22
FINRA BrokerCheck
FINRA BrokerCheck is a free, online tool that helps individuals research brokers, brokerage firms, investment adviser firms and advisers. By visiting BrokerCheck, investors can see a variety of information that may be helpful in the selection and vetting of an individual financial advice provider or broker/brokerage firm, such as descriptions, services offered, credentials, sanctions, registrations and more. BrokerCheck is offered and administered by the Financial Industry Regulatory Authority (FINRA), the largest non-governmental securities firm regulator in the United States. The data and information available in BrokerCheck comes mainly from two sources: the Central Registration Depository (CRD), the securities industry online registration and licensing database, provides the broker and brokerage information, while information about investment adviser firms and representatives comes from the Securities and Exchange Commission's Investment Adviser Registration Depository (IARD) database.
investopedia
1
-4.13
22
21.6
21.01
26.5
11.77
19.5
21.06
Fire Insurance
The term fire insurance refers to a form of property insurance that covers damage and losses caused by fire. Most policies come with some form of fire protection, but homeowners may be able to purchase additional coverage in case their property is lost or damaged because of fire. Purchasing additional fire coverage helps to cover the cost of replacement, repair, or reconstruction of property above the limit set by the property insurance policy. Fire insurance policies typically contain general exclusions such as war, nuclear risks, and similar perils.
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1
33.28
15.9
18.9
13.88
18.6
9.76
16.75
18.08
First In, First Out (FIFO)
First In, First Out, commonly known as FIFO, is an asset-management and valuation method in which assets produced or acquired first are sold, used, or disposed of first. For tax purposes, FIFO assumes that assets with the oldest costs are included in the income statement's cost of goods sold (COGS). The remaining inventory assets are matched to the assets that are most recently purchased or produced.
investopedia
1
57.61
10.7
12.5
11.43
13.8
9.99
13.666667
13.65
First Mortgage
A first mortgage is a primary lien on a property. As a primary loan that pays for the property, the loan has priority over all other liens or claims on a property in the event of default. A first mortgage is not the mortgage on a borrower’s first home; it is the original mortgage taken on any one property. It is also called First Lien. If the home is refinanced, the refinanced mortgage assumes the first mortgage position.
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1
64.1
8.2
12
7.71
7.4
7.65
10.2
9.83
First Mover
A first mover is a service or product that gains a competitive advantage by being the first to market with a product or service. Being first typically enables a company to establish strong brand recognition and customer loyalty before competitors enter the arena. Other advantages include additional time to perfect its product or service and setting the market price for the new item.
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1
41.7
12.7
13.6
12.18
13.2
9.19
13.833333
14.11
First Notice of Loss (FNOL)
The first notice of loss (FONL) is the initial report made to an insurance provider following loss, theft, or damage of an insured asset.
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1
64.04
10.3
0
9.58
13.1
9.43
14
11.27
First World
As defined during the Cold War, the term "first world" referred to a country that was aligned with the United States and other western nations in opposition to the former-Soviet Union and its allies. Since the collapse of the Soviet Union in 1991, this use of the term has largely evolved.
investopedia
1
62.51
10.9
0
9.75
13.7
8.93
14.25
11.77
Fiscal Deficit
A fiscal deficit is a shortfall in a government's income compared with its spending. The government that has a fiscal deficit is spending beyond its means.
investopedia
1
66.74
7.2
0
10.14
8.6
8.53
6.5
6.74
Fiscal Multiplier
The fiscal multiplier measures the effect that increases in fiscal spending will have on a nation's economic output, or gross domestic product (GDP). In general, economists define fiscal multipliers as the ratio of a change in output to a change in tax revenue or government spending. Fiscal multipliers are important because they can help guide a government's policies during an economic crisis and help set the stage for economic recovery.
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1
39.37
13.6
15.5
13.12
15.2
9.75
16.333333
13.89
Fiscal Year (FY)
A fiscal year is a one-year period that companies and governments use for financial reporting and budgeting. A fiscal year is most commonly used for accounting purposes to prepare financial statements. Although a fiscal year can start on January 1st and end on December 31st, not all fiscal years correspond with the calendar year. For example, universities often begin and end their fiscal years according to the school year.
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1
45.46
11.2
14.9
12.12
11.8
8.84
12.875
14.46
Fiscal Year-End
The term "fiscal year-end" refers to the completion of any one-year or 12-month accounting period other than a typical calendar year. A fiscal year is often the period used for calculating annual financial statements. A company's fiscal year may differ from the calendar year, and may not close on December 31 due to the nature of a company's needs.
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1
51.48
11
15
10.27
11.6
8.9
14.166667
13.3
Fisher Effect
The Fisher Effect is an economic theory created by economist Irving Fisher that describes the relationship between inflation and both real and nominal interest rates. The Fisher Effect states that the real interest rate equals the nominal interest rate minus the expected inflation rate. Therefore, real interest rates fall as inflation increases, unless nominal rates increase at the same rate as inflation.
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1
33.54
13.7
17.1
14.74
15.3
9.5
16.333333
14.73
Fisher Transform Indicator
The Fisher Transform is a technical indicator created by John F. Ehlers that converts prices into a Gaussian normal distribution. The indicator highlights when prices have moved to an extreme, based on recent prices. This may help in spotting turning points in the price of an asset. It also helps show the trend and isolate the price waves within a trend.
investopedia
1
67.55
6.9
8.8
9.38
7.5
11.23
6.1
7.5
Fitch Ratings
Fitch Ratings is an international credit rating agency based out of New York City and London. Investors use the company's ratings as a guide as to which investments will not default and subsequently yield a solid return. Fitch bases the ratings on factors, such as what kind of debt a company holds and how sensitive it is to systemic changes like interest rates.
investopedia
1
58.62
10.3
11.9
9.98
11.6
10.94
12.833333
12.21
Five Cs of Credit
The five Cs of credit is a system used by lenders to gauge the creditworthiness of potential borrowers. The system weighs five characteristics of the borrower and conditions of the loan, attempting to estimate the chance of default and, consequently, the risk of a financial loss for the lender.
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1
46.61
12.8
0
11.9
14.7
10.97
17.25
17.96
Five-Year Rule
Generally speaking, the 5-year rule concerns the withdrawal of funds from an Individual Retirement Account (IRA). However, several different types of 5-year rules actually exist. Two apply specifically to Roth IRAs: a waiting period before funds can be withdrawn. Another relates to the distribution schedule of funds from inherited IRAs, either Roth or traditional ones.
investopedia
1
32.09
12.2
13.8
14.32
12.6
11.79
10.375
12.79
Fixed Annuity
A fixed annuity is a type of insurance contract that promises to pay the buyer a specific, guaranteed interest rate on their contributions to the account. By contrast, a variable annuity pays interest that can fluctuate based on the performance of an investment portfolio chosen by the account's owner. Fixed annuities are often used in retirement planning.
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1
43.73
11.9
15.5
12.76
12.9
10.95
14.166667
16.02
Fixed Asset
A fixed asset is a long-term tangible piece of property or equipment that a firm owns and uses in its operations to generate income. Fixed assets are not expected to be consumed or converted into cash within a year. Fixed assets most commonly appear on the balance sheet as property, plant, and equipment (PP&E). They are also referred to as capital assets.
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1
64.2
8.2
11.7
9.16
8.8
9.5
9
10.72
Fixed Asset Turnover Ratio
The fixed asset turnover ratio (FAT) is, in general, used by analysts to measure operating performance. This efficiency ratio compares net sales (income statement) to fixed assets (balance sheet) and measures a company's ability to generate net sales from its fixed-asset investments, namely property, plant, and equipment (PP&E).
investopedia
1
38.66
13.8
0
15.15
18.5
12.39
17
17.1
Fixed Capital
Fixed capital includes the assets and capital investments, such as property, plant, and equipment (PP&E), that are needed to start up and conduct business, even at a minimal stage. These assets are considered fixed in that they are not consumed or destroyed during the actual production of a good or service but have a reusable value. Fixed-capital investments are typically depreciated on the company's accounting statements over a long period of time—up to 20 years or more.
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1
45.39
13.3
16.3
12.19
15.8
10.04
18.166667
16.51
Fixed-Charge Coverage Ratio
The fixed-charge coverage ratio (FCCR) measures a firm's ability to cover its fixed charges, such as debt payments, interest expense, and equipment lease expense. It shows how well a company's earnings can cover its fixed expenses. Banks will often look at this ratio when evaluating whether to lend money to a business.
investopedia
1
62.38
8.9
11.2
11.31
11.7
10.87
10.666667
11.54
Fixed Cost
A fixed cost is a cost that does not change with an increase or decrease in the amount of goods or services produced or sold. Fixed costs are expenses that have to be paid by a company, independent of any specific business activities.
investopedia
1
66.57
9.3
0
8.36
10.5
8.37
13.25
12.32
Fixed Exchange Rate
A fixed exchange rate is a regime applied by a government or central bank that ties the country's official currency exchange rate to another country's currency or the price of gold. The purpose of a fixed exchange rate system is to keep a currency's value within a narrow band.
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1
63.53
10.5
0
9.87
13.1
8.72
15.25
12.25
Fixed Income
Fixed income broadly refers to those types of investment security that pay investors fixed interest or dividend payments until its maturity date. At maturity, investors are repaid the principal amount they had invested. Government and corporate bonds are the most common types of fixed-income products. Unlike equities that may pay no cash flows to investors, or variable-income securities, where can payments change based on some underlying measure—such as short-term interest rates—the payments of a fixed-income security are known in advance.
investopedia
1
42.72
12.3
15.6
15.72
16
9.96
14.75
13.5
Fixed Income Clearing Corporation (FICC)
The Fixed Income Clearing Corporation (FICC) is a regulatory agency that deals with the confirmation, settlement, and delivery of fixed-income assets in the U.S. The FICC ensures the systematic and efficient settlement and clearing of U.S. government securities and mortgage-backed security (MBS) transactions in the market.
investopedia
1
22.75
15.8
0
16.54
18.7
11.99
18.5
17.03
Fixed-Income Security
A fixed-income security is an investment that provides a return in the form of fixed periodic interest payments and the eventual return of principal at maturity. Unlike variable-income securities, where payments change based on some underlying measure—such as short-term interest rates—the payments of a fixed-income security are known in advance.
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1
20.72
16.6
0
16.77
19.1
10.25
20
17.2
Fixed Interest Rate
A fixed interest rate is an unchanging rate charged on a liability, such as a loan or mortgage. It might apply during the entire term of the loan or for just part of the term, but it remains the same throughout a set period. Mortgages can have multiple interest-rate options, including one that combines a fixed rate for some portion of the term and an adjustable rate for the balance. These are referred to as “hybrids.”
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1
69.11
8.3
11.2
8.53
9.5
8.94
11.5
10.76
Fixed-Rate Mortgage
The term "fixed-rate mortgage" refers to a home loan that has a fixed interest rate for the entire term of the loan. This means the mortgage carries a constant interest rate from beginning to end. Terms can range anywhere between 10 and 30 years for fixed-rate mortgages, which are popular products for consumers who want to know how much they'll pay every month.
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1
75.54
7.9
9.7
9.57
11.6
8.69
11.833333
9.67
Fixed-Rate Payment
A fixed-rate payment is an installment loan with an interest rate that cannot be changed during the life of the loan. The payment amount also will remain the same, though the proportions that go toward paying off the interest and paying off the principal will vary. A fixed-rate payment is sometimes referred to as a “vanilla wafer” payment, presumably because it is very predictable and contains no surprises.
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1
45.43
15.4
0
12.14
19.4
8.81
20.5
17.13
Flat
Flat, in the securities market, is a price that is neither rising nor declining. Under fixed income terminology, a bond that is trading without accrued interest is said to be flat. In forex, flat refers to the condition of being neither long nor short in a particular currency, and is also referred to as "being square."
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1
52.49
10.6
11.9
9.11
10.2
8.51
11.666667
12.48