Datasets:
sohomghosh
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FinRAD_Financial_Readability_Assessment_Dataset

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Hold
Hold is an analyst's recommendation to neither buy nor sell a security. A company with a hold recommendation generally is expected to perform with the market or at the same pace as comparable companies. This rating is better than sell but worse than buy, meaning that investors with existing long positions shouldn't sell but investors without a position shouldn't purchase either.
investopedia
1
42.41
12.4
14.6
12.59
13.5
8.53
14.166667
14.68
Hold Harmless Claus
The hold harmless clause is a statement in a legal contract that absolves one or both parties in a contract of legal liability for any injuries or damage suffered by the party signing the contract.
investopedia
1
44.41
15.8
0
10.17
18
10.34
18.5
15.14
Holdco
Holdco is an abbreviation for "holding company," which is a firm that exercises control over one or more additional firm(s). The holdco accomplishes this through the acquisition of stock that is sufficient to control or influence the voting by shareholders. The holding company earns money by collecting the dividends from the shares of firms in which it owns a controlling interest.
investopedia
1
42.41
12.4
15.5
12.65
13.7
10.34
14.833333
15.99
Holder of Record
A holder of record is the name of the person who is the registered owner of a security and who has the rights, benefits and responsibilities of ownership. The holder of record for a stock typically has shareholder voting rights and receives dividend payouts, if there are any. The holder of record for a bond owns the bond and receives the principal and interest payments. When the owner sells the security, they cease to be the holder of record.
investopedia
1
59.84
9.8
12.6
9.23
10.4
8.42
12.625
12.98
Holding Company
A holding company is a business entity—usually a corporation or limited liability company (LLC). Typically, a holding company doesn’t manufacture anything, sell any products or services, or conduct any other business operations. Rather, holding companies hold the controlling stock in other companies.
investopedia
1
14.97
14.7
15
16.81
14.7
10.35
11.333333
15.12
Holding Company Depository Receipt (HOLDR)
A holding company depository receipt (HOLDR) was a security that allowed investors to buy and sell a basket of stocks in a single transaction. Like exchange-traded funds (ETFs), HOLDRs allowed investors to trade stocks in a specific industry, sector, or group. ETFs, however, provide a more efficient and flexible structure for investors and issuers.
investopedia
1
44.75
11.5
13.6
12.93
13.5
10.67
12.333333
12.39
Holding Costs
Holding costs are those associated with storing inventory that remains unsold. These costs are one component of total inventory costs, along with ordering and shortage costs.
investopedia
1
49.82
9.5
0
14.6
12.2
10.96
8
11.35
Holding Period
A holding period is the amount of time the investment is held by an investor, or the period between the purchase and sale of a security. In a long position, the holding period refers to the time between an asset's purchase and its sale. In a short options position, the holding period is the time between when a short seller buys back the securities and when the security is delivered to the lender to close the short position.
investopedia
1
40.35
17.3
0
8.95
19.3
8.61
17
18.68
Holding Period Return (Yield)
Holding period return is the total return received from holding an asset or portfolio of assets over a period of time, known as the holding period, generally expressed as a percentage. Holding period return is calculated on the basis of total returns from the asset or portfolio (income plus changes in value). It is particularly useful for comparing returns between investments held for different periods of time.
investopedia
1
31.92
14.3
15.5
12.54
14.2
9.22
15.833333
14.29
Holding the Market
Holding the market is the deliberate practice of placing active or pending orders for a security into a market where the price is dropping rapidly in an attempt to artificially "hold" the price of the security steady, or create a floor in the security. This practice is outlawed in most instances, except when a broker or other party is mandated to keep the price of a security steady; this is only done in rare cases where there isn't enough market depth to hold the price.
investopedia
1
36.8
18.7
0
9.65
21.4
9.46
24.75
18.88
Holdings
Holdings are the contents of an investment portfolio held by an individual or an entity, such as a mutual fund or a pension fund. Portfolio holdings may encompass a wide range of investment products, including stocks, bonds, mutual funds, options, futures, and exchange traded funds (ETFs).
investopedia
1
39.67
13.4
0
12.54
15.2
11.64
16.5
15.29
Holdover Tenant
A holdover tenant is a renter who remains in a property after the expiration of the lease. If the landlord continues to accept rent payments, the holdover tenant can continue to legally occupy the property, and state laws and court rulings determine the length of the holdover tenant’s new rental term. If the landlord does not accept further rent payments, the tenant is considered to be trespassing, and if they do not promptly move out, an eviction may be necessary.
investopedia
1
52.83
12.5
14.1
10.74
14.9
9.5
17
15.68
Holdovers
In finance, the term holdovers refers to transactions—usually checks—that have not yet been processed. In most cases, the period of time in which checks are held as holdovers typically does not exceed one business day.
investopedia
1
62.17
8.9
0
12.24
12.1
9.47
10.25
11.57
Hole-In-One Insurance
Hole-in-one insurance is a type of price-indemnification coverage, originally named for insurance policies taken out by golf-tournament sponsors who offer the possibility of big-ticket prizes to contestants who score holes in one, on the course.
investopedia
1
19.03
19.3
0
16.95
24.5
11.24
25.5
22
Hollowing Out
Hollowing out is the deterioration of a country’s manufacturing sector when producers opt for low-cost facilities overseas. Some economists argue that the economies of Japan, the United States, and other more developed nations are being hollowed out, posing a threat to full employment.
investopedia
1
32.73
14
0
15.49
16.6
11.68
14.75
16.04
Hollywood Stock Exchange (HSX)
The Hollywood Stock Exchange (HSX) is an online prediction market in which "investors" bet on the performance of various components of the entertainment industry. The bets are made using credits called Moviestocks, Starbonds, TVStocks, Movie Funds, Idol Warrants, and derivatives.
investopedia
1
42.72
12.3
0
16.07
17
12.92
14.5
17
Holographic Will
A holographic will is a handwritten and testator-signed document and is an alternative to a will produced by a lawyer. Some states do not recognize holographic wills. States that do permit holographic wills require the document meet specific requirements to be valid. The minimal requirements for most states are proof that the testator wrote the will, evidence that the testator had the mental capacity to write the will, and the will must contain the testator's wish to disburse personal property to beneficiaries.
investopedia
1
50.67
11.3
16.2
12.94
13.8
9.47
15.5
15.52
Home
A home is a physical domicile or structure in which a person or household resides. In a legal sense, a home is the place of permanent residency where one lives, or intends to return to live.
investopedia
1
70.13
8
0
6.73
7.9
8.48
10.5
10.53
Home Affordable Modification Program (HAMP)
The Home Affordable Modification Program (HAMP) was a loan modification program introduced by the federal government in 2009 to help struggling homeowners avoid foreclosure. The program's focus was to help homeowners who paid more than 31% of their gross income toward mortgage payments. The program expired at the end of 2016.
investopedia
1
54.22
9.9
13
13.22
12.7
10.36
11.5
11.51
Home Affordable Refinance Program (HARP)
The Home Affordable Refinance Program (HARP) was a program offered by the Federal Housing Finance Agency to homeowners who own homes that are worth less than the outstanding balance on the oan.
investopedia
1
47.46
14.6
0
12.49
18.7
11.64
21
19.05
Home Banking
Home banking is the practice of conducting banking transactions from home rather than at branch locations. Home banking generally refers to mobile banking, web banking, banking over the telephone, or banking by mail. The first experiments with online banking started in the early 1980s. However, it did not become popular until the rise of the Internet in the mid-1990s. Many Internet banks maintain few, if any, physical branches.
investopedia
1
57.67
8.6
11.2
12.17
10.6
8.96
7.8
10.15
Home Bias
Home bias is the tendency for investors to invest the majority of their portfolio in domestic equities, ignoring the benefits of diversifying into foreign equities. This bias was originally believed to have arisen as a result of the extra difficulties associated with investing in foreign equities, such as legal restrictions and additional transaction costs. Other investors may simply exhibit home bias due to a preference for investing in what they are already familiar with rather than moving into the unknown.
investopedia
1
13.96
21.3
0
14.69
24.4
11.15
20.333333
25
Home Buyers' Plan (HBP)
The Home Buyers’ Plan (HBP) is a Canadian program that allows individuals with registered retirement savings plans (RRSPs) to use up to CAD $35,000 of retirement plan holdings as a loan for a home purchase.
investopedia
1
44.41
15.8
0
10.63
19.2
12.14
23.5
19.71
Home Country Bias
Home country bias refers to investors' tendency to favor companies from their own country over those from other countries or regions. The tendency to invest in our own backyard is not unusual or surprising; it is a worldwide phenomenon, and certainly not unique to U.S. investors. This bias is also understandable because we are inclined to recognize and value domestic brands.
investopedia
1
50.87
11.2
13.6
12.13
13.2
10.34
13.5
13.37
Home Equity
Home equity is the value of a homeowner’s interest in their home. In other words, it is the real property’s current market value (less any liens that are attached to that property). The amount of equity in a house—or its value—fluctuates over time as more payments are made on the mortgage and market forces impact the current value of the property.
investopedia
1
57.44
12.8
0
10.8
16.6
8.77
12.833333
16.13
Home Equity Conversion Mortgage (HECM)
A home equity conversion mortgage (HECM) is a type of reverse mortgage that is insured by the Federal Housing Administration (FHA) Home equity conversion mortgages allow seniors to convert the equity in their home into cash.
investopedia
1
26.48
18.5
0
12.95
21.3
11.56
25
18.84
Home-Equity Loan
A home equity loan—also known as an equity loan, home equity installment loan, or second mortgage—is a type of consumer debt. Home equity loans allow homeowners to borrow against the equity in their home. The loan amount is based on the difference between the home’s current market value and the homeowner’s mortgage balance due. Home equity loans tend to be fixed-rate, while the typical alternative, home equity lines of credit (HELOCs), generally have variable rates.
investopedia
1
46.1
13
15.5
12.89
16.1
9.72
12.875
13.73
Home Inspection
A home inspection observes and reports on the condition of a real estate property, usually when it is on the market to be sold.
investopedia
1
55.58
11.5
0
7.67
11
9.43
16
16.27
Home Market Effect
The home market effect was originally hypothesized by Staffan Linder in 1961 and formalized by Paul Krugman in 1980. The central tenet of the hypothesis is that countries with larger sales of some products at home will tend to have larger sales of those same products abroad. It is part of New Trade Theory, which is predicated on economies of scale and network effects, rather than more traditional trade models based on comparative advantage.
investopedia
1
54.86
11.7
13
11.73
14.5
11.26
15.333333
14.74
Home Modification
A home modification is any alteration made to a home to meet the needs of people who have different physical abilities, often to specifications outlined by the Americans With Disabilities Act (ADA). These alternations are made so that disabled or differently-abled people can live independently and safely.
investopedia
1
30.7
14.8
0
14.34
16.4
10.18
17.25
17.91
Home Mortgage
A home mortgage is a loan given by a bank, mortgage company or other financial institution for the purchase of a residence—either a primary residence, a secondary residence, or an investment residence—in contrast to a piece of commercial or industrial property. In a home mortgage, the owner of the property (the borrower) transfers the title to the lender on the condition that the title will be transferred back to the owner once the final loan payment has been made and other terms of the mortgage have been met.
investopedia
1
26.82
20.5
0
11.27
23.5
9.23
29.5
22.15
Home Mortgage Disclosure Act (HMDA)
The Home Mortgage Disclosure Act (HMDA) is a federal law approved in 1975 that requires mortgage lenders to keep records of key pieces of information regarding their lending practices, which they must submit to regulatory authorities. It was implemented by the Federal Reserve through Regulation C. In 2011, the rule-writing authority of Regulation C was transferred to the Consumer Financial Protection Bureau (CFPB).
investopedia
1
33.24
13.8
15
14.56
15.7
11.95
14.833333
15.38
Home Mortgage Interest Deduction
The mortgage interest deduction is a common itemized deduction that allows homeowners to deduct the interest they pay on any loan used to build, purchase, or make improvements upon their residence, from taxable income. The mortgage interest deduction can also be taken on loans for second homes and vacation residences with certain limitations.
investopedia
1
36.12
14.8
0
14.45
17.8
10.02
19.25
16.64
Home Office
A home office is a space designated in a person's residence for official business purposes. The term can also be used to describe the administrative corporate headquarters of a large enterprise, such as the home office of a large corporation located in a particular city.
investopedia
1
40.18
13.2
0
11.9
13.7
8.96
16.75
18.78
Home Office Expense
Home office expenses are expenses incurred from the operation of a business or the performance of employment-related activities within a primary residence.
investopedia
1
6.84
17.8
0
17.81
18.5
11.9
19
23.35
Home Warranty
A home warranty is a residential service contract that covers the cost of maintaining household systems or appliances for a set period. A home warranty is different from homeowners' insurance.
investopedia
1
24.11
17.4
0
14.46
19.3
10.91
12
21.33
Homemade Dividends
Homemade dividends are a form of investment income generated from the sale of a portion of an individual's investment portfolio. These assets differ from the traditional dividends that a company’s board of directors distributes to certain classes of shareholders.
investopedia
1
26.3
14.4
0
15.72
15.5
10.68
15.75
18.06
Homemade Leverage
Homemade leverage is used by an individual investor to artificially adjust the leverage of a company. An individual investing in a company with no leverage can recreate the effect of leverage using homemade leverage, which includes taking out personal loans on the investment. However, differences in the tax rate between the corporation and the individual will likely disrupt the ability of the investor to construct the leveraging scenario accurately.
investopedia
1
22.75
15.8
15.9
14.97
16.4
9.81
16.5
15
Homeowners Association (HOA)
A homeowner's association (HOA) is an organization in a subdivision, planned community, or condominium building that makes and enforces rules for the properties and its residents. Those who purchase property within an HOA's jurisdiction automatically become members and are required to pay dues, known as HOA fees. Some associations can be very restrictive about what members can do with their properties.
investopedia
1
23.6
17.5
0
15.33
20.6
11.62
14.833333
20.72
Homeowners Association Fee (HOA Fee)
A homeowners association fee (HOA fee) is an amount of money that must be paid monthly by owners of certain types of residential properties, and HOAs collect these fees to assist with maintaining and improving properties in the association. HOA fees are almost always levied on condominium owners, but they may also apply in some neighborhoods of single-family homes.
investopedia
1
33.07
16
0
13.01
18
10.45
20.25
17.22
Homeowners Insurance
Homeowners insurance is a form of property insurance that covers losses and damages to an individual's residence, along with furnishings and other assets in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.
investopedia
1
25.29
14.8
0
14.68
15.2
10.05
16.75
16.98
Homeowners Protection Act
The Homeowners Protection Act of 1998 is a law designed to reduce the unnecessary payment of private mortgage insurance (PMI) by homeowners who may no longer be required to pay it. The Homeowners Protection Act covers all private, residential mortgages purchased after July 29, 1999. The act, also known as the PMI Cancellation Act, mandates that lenders disclose certain information about PMI.
investopedia
1
50.46
11.4
13.6
13.11
14.3
10.52
13.666667
12.8
Homestead Exemption
The homestead exemption is a legal provision that helps shield a home from some creditors following the death of a homeowner's spouse or the declaration of bankruptcy. The homestead tax exemption can also provide surviving spouses with ongoing property tax relief, which is done on a graduated scale so that homes with lower assessed values benefit the most.
investopedia
1
42.04
14.6
0
13.12
17.6
11.61
21
19.19
Homo Economicus
Homo economicus is a theoretical abstraction that some economists use to describe a rational human being. In certain neoclassical economic theories, people are portrayed this way: as ideal decision-makers with complete rationality, perfect access to information, and consistent, self-interested goals.
investopedia
1
-19.89
26
0
20.14
29.6
13.52
16.5
28
Homogeneous Expectations
Homogeneous expectations is an assumption, expressed in Harry Markowitz's Modern Portfolio Theory (MPT), that all investors have the same expectations and make the same choices in a given situation.
investopedia
1
16.66
18.1
0
16.14
20.7
12.15
21.5
19.88
Homoskedastic
Homoskedastic (also spelled "homoscedastic") refers to a condition in which the variance of the residual, or error term, in a regression model is constant. That is, the error term does not vary much as the value of the predictor variable changes. Another way of saying this is that the variance of the data points are roughly the same for all data points. This suggests a level of consistency and makes it easier to model and work with the data through regression. However, the lack of homoskedasticity may suggest that the regression model may need to include additional predictor variables to explain the performance of the dependent variable.
investopedia
1
49.75
11.6
13.7
11.26
13
9.27
13
13.05
Hong Kong Exchanges and Clearing Limited (HKEx)
Hong Kong Exchanges and Clearing Limited (HKEx) is a publicly-traded holding company that is one of the largest market operators in the world. Its subsidiaries include the Stock Exchange of Hong Kong and the Hong Kong Futures Exchange. HKEx also manages four clearing houses in Hong Kong and the London Metal Exchange (LME), making it an important institution in the global financial markets.
investopedia
1
50.16
11.5
11.9
12.3
13.8
10.19
12.833333
10.94
Hong Kong Interbank Offered Rate (HIBOR)
The Hong Kong Interbank Offered Rate, known by its abbreviation HIBOR, is the benchmark interest rate, stated in Hong Kong dollars, for lending between banks within the Hong Kong market. The HIBOR is a reference rate for lenders and borrowers that participate directly or indirectly in the Asian economy. As of December 2020, plans were in place to transition away from HIBOR to the Hong Kong Overnight Index Average (HONIA).
investopedia
1
47.83
12.4
15
11.84
14.3
10.88
16
15.61
Hong Kong Monetary Authority (HKMA)
Established in 1993, the Hong Kong Monetary Authority (HKMA) acts to control inflation and maintain the stability of the Hong Kong dollar (HKD) and of the banking sector through its monetary policy. The HKMA links the HKD to the U.S. dollar to help the HKD maintain a stable value.
investopedia
1
30.2
21.2
0
10.93
26.1
11.87
31.5
24.5
Hong Kong Monetary Authority Investment Portfolio (HKMA)
The Hong Kong Monetary Authority Investment Portfolio is an investment portfolio run by the Hong Kong Monetary Authority. The authority is the sovereign wealth fund of the government of the Hong Kong Special Administrative Region.
investopedia
1
28.33
13.7
0
14.56
13.7
9.47
14.75
13.86
Hong Kong SAR, China
Hong Kong is the premier financial and business center in China and a regional financial leader. Hong Kong is one of China's special administrative regions (SARs). An SAR is a relatively autonomous regions within the People's Republic of China that maintain separate legal, administrative, and judicial systems from the rest of the country.
investopedia
1
36.59
12.6
13.6
12.93
13
10.47
12.166667
12.36
Hong Kong Stock Exchange (HKG) .HK
The Hong Kong Stock Exchange (HKG) .HK is a member of the HKEX Group and the leading venue for capital raising activity for Hong Kong and Mainland Chinese issuers. One of the world's largest securities markets by market capitalization, the Hong Kong Stock Exchange traces its origins to the founding of China's first formal securities market, the Association of Stockbrokers in Hong Kong, in 1891. A second market opened in 1921, and in 1947 the two merged to form the Hong Kong Stock Exchange. The exchange introduced automated ordering in 1993 and stock option trading in 1995.  It merged with the Hong Kong Futures Exchange and the Hong Kong Securities Clearing Company in 2000 to form Hong Kong Exchanges and Clearing Ltd., a publicly-traded company. Due to the dominance of electronic trading, the stock exchange closed down its physical trading floor in 2017.
investopedia
1
31.22
20.8
16.7
12.32
26.5
11.28
20
22.26
Honorarium
An honorarium is a voluntary payment that is given to a person for services for which fees are not legally or traditionally required. Honoraria are typically used to help cover costs for volunteers or guest speakers and may be considered taxable income. For example, when a guest makes a speech at a conference, they might receive an honorarium to cover travel expenses.
investopedia
1
42
12.5
14.1
11.14
12.4
9.5
14
14.73
Hook Reversal
Hook reversals are short-term candlestick patterns that predict a reversal in the trend's direction. The pattern occurs when a candlestick has a higher low and a lower high than the previous session's candlestick. This pattern differs from engulfing patterns in that the size difference between the first and second bar's body can be relatively small.
investopedia
1
52.9
10.4
13.6
13.81
13.6
8.85
12.5
10.96
Hope Credit
The Hope Credit, or the Hope Scholarship Tax Credit, is a nonrefundable education tax credit offered to eligible American taxpayers. In particular, qualifying students who have yet to complete four years of postsecondary education can claim this tax credit.
investopedia
1
34.76
13.3
0
14.56
14.8
10.27
14.75
16.01
Hope Now Alliance
The term Hope Now Alliance refers to a public-private initiative that worked to combat home foreclosures that emerged from the subprime mortgage market meltdown. The initiative was launched in 2007 and was comprised of members from the U.S. government, the secondary mortgage market, lenders, mortgage-backed securities (MBS) investors, and homeownership counseling organizations. The group focused its efforts on reversing the foreclosure trend focused on contacting homeowners for loan modifications and workouts. The organization suspended operations in 2020 because of the global COVID-19 pandemic.
investopedia
1
33.44
13.8
15.6
17.98
18.5
12.85
15.125
15.55
Horizon Analysis
Horizon analysis compares the projected discounted returns of a security or investment portfolio’s total returns over several time frames, often referred to as the investment horizon.
investopedia
1
11.25
18.2
0
17.82
20.2
12.21
21
19.63
Horizontal Acquisition
A horizontal acquisition is when one company acquires another company in the same industry and works at the same production stage. The new combined entity may be in a better competitive position due to increased market share or scalability than the standalone companies combined to form it.
investopedia
1
30.7
14.8
0
12.89
14.8
9.51
17.75
17.06
Horizontal Analysis
Horizontal analysis is used in financial statement analysis to compare historical data, such as ratios, or line items, over a number of accounting periods. Horizontal analysis can either use absolute comparisons or percentage comparisons, where the numbers in each succeeding period are expressed as a percentage of the amount in the baseline year, with the baseline amount being listed as 100%. This is also known as base-year analysis.
investopedia
1
39.97
13.3
16.7
13.7
15.5
9.41
17
15.55
Horizontal Channel
Horizontal channels are trendlines that connect variable pivot highs and lows to show the price contained between the upper line of resistance and lower line of support. A horizontal channel is also known as a price range or sideways trend.
investopedia
1
59.64
9.9
0
12.3
12.8
10.16
11.5
10
Horizontal Equity
Horizontal equity is an economic theory that states that individuals with similar income and assets should pay the same amount in taxes. Horizontal equity should apply to individuals considered equal regardless of the tax system in place. The more neutral a tax system is the more horizontally equitable it is considered to be.
investopedia
1
36.59
12.6
15.5
12.18
11.8
8.98
13.5
14.63
Horizontal Integration
Horizontal integration is the acquisition of a business operating at the same level of the value chain in the same industry. This is in contrast to vertical integration, where firms expand into upstream or downstream activities, which are at different stages of production.
investopedia
1
32.73
14
0
13.34
14.6
9.84
15.75
16.04
Horizontal Line
In technical analysis, a horizontal line is often drawn on a price chart to highlight areas of support or resistance.
investopedia
1
42.72
12.3
0
10.56
11.6
10.94
14
16
Horizontal Market
A horizontal market is diversified so that the products created are able to meet the needs of more than one industry. A horizontal market is one in which the output good or service is widely used and in wide demand, and so the producers bear little risk in demand for their output. Producers do, however, typically face a great amount of competition within the industry.
investopedia
1
49.45
11.8
14.1
9.52
11.6
8.11
14.5
12.99
Horizontal Merger
A horizontal merger is a merger or business consolidation that occurs between firms that operate in the same industry. Competition tends to be higher among companies operating in the same space, meaning synergies and potential gains in market share are much greater for merging firms.
investopedia
1
40.18
13.2
0
13.7
15.1
11.07
15.75
17
Horizontal Spread
A horizontal spread (more commonly known as a calendar spread) is an options or futures strategy created with simultaneous long and short positions in the derivative on the same underlying asset and the same strike price, but with different expiration months. The goal is usually to profit from changes in volatility over time or exploit fluctuation in pricing from short-term events. The spread can also be used as a method for creating significant leverage with limited risk.
investopedia
1
36.93
14.5
16.7
12.71
15.9
10.65
18.5
18.07
Horizontal Well
A horizontal well is a type of directional drilling technique where an oil or gas well is dug at an angle of at least eighty degrees to a vertical wellbore. This technique has become increasingly common and productive in recent years. Operators use it to retrieve oil and natural gas in situations in which the shape of the reservoir is abnormal or difficult to access.
investopedia
1
49.45
11.8
13.6
9.75
11.6
10.06
14.166667
14.83
Hospital Insurance Trust Fund
The Federal Hospital Insurance Trust Fund is also known as Part A of Medicare, the health insurance program for people aged 65 and older in the United States. The program is financed through payroll taxes derived from current workers and employers as well as taxes on Social Security benefits. This trust fund is overseen by a board of trustees that report yearly to Congress regarding its financial status. Due to changes in legislation and demographics in the United States, the fund is projected to be depleted in 2026.
investopedia
1
26.82
20.5
0
12.49
24.4
11.2
28.5
22.6
Hospital Revenue
A hospital revenue bond is a type of municipal bond that finances the construction of new facilities or upgrades for existing hospitals and is secured by the revenues that hospitals receive in the course of their normal operations.
investopedia
1
24.45
19.3
0
12.78
21.6
11.34
27
21.52
Hostile Bid
A hostile bid is a specific type of takeover bid that bidders present directly to the target firm's shareholders because the management is not in favor of the deal. Bidders generally present their hostile bids through a tender offer. In this scenario, the acquiring company offers to purchase the common shares of the target at a substantial premium.
investopedia
1
51.89
10.8
13
11.55
12
10.31
12.666667
13.24
Hostile Takeover
A hostile takeover is the acquisition of one company (called the target company) by another (called the acquirer) that is accomplished by going directly to the company's shareholders or fighting to replace management to get the acquisition approved. A hostile takeover can be accomplished through either a tender offer or a proxy fight.
investopedia
1
36.12
14.8
0
13.35
17.1
9.72
19.25
15.88
Hostile Takeover Bid
A hostile takeover bid is an attempt to buy a controlling interest in a publicly-traded company without the consent or cooperation of the target company's board of directors. If the board rejects an offer from a potential buyer, there are three possible courses of action for the would-be acquirer: make a tender offer, initiate a proxy fight, or buy up company stock in the open market.
investopedia
1
37.98
16.2
0
10.92
18.1
10.3
22.5
18.05
Hot Hand
The "hot hand" is the notion that because one has had a string of successes, an individual or entity is more likely to have continued success. For example, if one flipped a (fair) coin and guessed correctly that it would land on heads three times in a row, it might be said that they have a "hot hand." Under such circumstances, a person believes that their odds of guessing which side the coin will land on next are greater than the 50% they actually are. When there is a series of failures, the same concept works as the "cold hand."
investopedia
1
71.48
9.5
11.2
7.26
11.6
8.51
14.5
13.2
Hot Issue
In finance, the term “hot issue” is used to describe an upcoming initial public offering (IPO) that is particularly popular among the investing public.
investopedia
1
30.2
15
0
13
15.7
10.75
17
17.93
Hot IPO
The term hot IPO refers to an initial public offering with significant demand. These IPOs are popular, drawing a tremendous amount of interest from investors and the media even before they hit the market. This hype and attention generally lead to a significant rise in share prices after the company goes public. Hot IPOs may be risky, especially when it comes to investing in companies that don't have a proven track record of success.
investopedia
1
61.16
9.3
12.6
10.62
10.9
9.25
12
11.72
Hot Money
Hot money signifies currency that quickly and regularly moves between financial markets, that ensures investors lock in the highest available short-term interest rates. Hot money continuously shifts from countries with low-interest rates to those with higher rates.
investopedia
1
35.78
12.9
0
17.81
17
11.38
12.75
13.89
Hot Waitress Economic Index
The hot waitress economic index is an offensive and dubious economic indicator that counts the number of attractive people working as servers.
investopedia
1
32.22
14.2
0
14.33
15.5
11.9
17
17.89
Hot Wallet
A hot wallet is a tool that allows a cryptocurrency owner to receive and send tokens. Unlike traditional currencies, there are no dedicated banks or physical wallets that can be used to keep cryptocurrency holdings secure. Cryptocurrency wallets are tools that are commonly used to store and protect these holdings, and they come in many different forms and varieties.
investopedia
1
51.48
11
13.6
12.71
13.1
9.16
13.166667
12.63
Hotelling's Theory
Hotelling's theory, or Hotelling's rule, posits that owners of nonrenewable resources will only produce basic commodities if doing so can yield more than could be earned from available financial instruments, such as U.S. Treasury or other similar interest-bearing securities. The theory assumes that markets are efficient and that the owners of the nonrenewable resources are motivated only by profit.
investopedia
1
34.56
13.3
14.6
15.43
15.8
11.84
13.833333
14.66
House Call
A house call is a demand by a brokerage firm that an account holder deposit enough cash to cover a shortfall in the amount of money deposited in a margin account. This typically follows losses in the investments bought on margin.
investopedia
1
59.13
10.1
0
9.17
10.5
8.5
12.25
12.1
House Maintenance Requirement
A house maintenance requirement is the level of minimum margin account equity that is required by a brokerage firm. House maintenance requirement levels are based on the standards set out in Regulation T of the Federal Reserve.
investopedia
1
44.24
11.7
0
12.36
12.1
10.96
13.75
14.97
House Money Effect
The house money effect is a theory used to explain the tendency of investors to take on greater risk when reinvesting profit earned through investing than they would when investing their savings or wages. People will often think about investment income as separate from money they earned in other ways, which distorts their mental accounting.
investopedia
1
52.02
12.8
0
13.06
17
9.59
17.75
15.36
House Poor
House poor is a term used to describe a person who spends a large proportion of his or her total income on home ownership, including mortgage payments, property taxes, maintenance, and utilities. Individuals in this situation are short of cash for discretionary items and tend to have trouble meeting other financial obligations, such as vehicle payments.
investopedia
1
34.6
15.4
0
13.76
18.1
10.38
20
19.77
House Price Index (HPI)
The House Price Index (HPI) is a broad measure of the movement of single-family property prices in the United States. Aside from serving as an indicator of house price trends, it also functions as an analytical tool for estimating changes in the rates of mortgage defaults, prepayments, and housing affordability.
investopedia
1
46.1
13
0
12.71
15.9
10.56
16
14.8
Household Employee
A household employee is an individual who is paid to provide a service within their employer's residence. Employers choose what kinds of work a household employee is responsible for and the manner in which that work is expected to be completed. Some examples of household employees (or household workers) include babysitters, nannies, and gardeners. Independent contractors such as repairmen, carpenters, and plumbers are not considered household employees.
investopedia
1
37.5
12.2
15.2
15.31
14.5
10.6
12.875
16.27
Household Expenses
Household expenses represent a per-person breakdown of general living expenses. They include the amount paid for lodging, food consumed within the home, utilities paid, and other costs. The sum of all the expenses is then divided by the number of family members residing in the house in order to find each member's share of the total expense.
investopedia
1
52.19
10.7
13.6
11.02
11.7
9.29
12.833333
11.11
Household Income
Household income is generally defined as the combined gross income of all members of a household above a specified age. For some usages of the term, individuals do not have to be related in any way to be considered members of the same household. Household income is an important risk measure used by lenders for underwriting loans and is a useful economic indicator of an area's standard of living.
investopedia
1
48.13
12.3
13
10.33
12.6
9.13
14.5
13.84
Housing and Economic Recovery Act (HERA)
The Housing and Economic Recovery Act (HERA) was drafted to address the fallout from the subprime mortgage crisis of 2008. The Housing and Economic Recovery Act allowed the Federal Housing Administration (FHA) to guarantee up to $300 billion in new, 30-year fixed-rate mortgages for subprime borrowers. In order to participate, lenders were required to write down the balances on principal loans up to 90% of their current appraised value.
investopedia
1
48.13
12.3
13.6
13.35
15.6
11.64
14.833333
13.84
Housing Authority Bond
Housing authority bonds, or housing bonds, are issued by a state or local government agency to help finance the construction or rehabilitation of affordable rental housing. Under certain programs, the proceeds from such bonds also may be used to help low-income people purchase homes. The interest earned by investors on housing authority bonds is exempt from federal taxes, and may also be exempt from state and local income taxes.
investopedia
1
39.67
13.4
13
12.94
14.9
9.58
14.5
12.68
Housing Bonds
Housing bonds are debt securities, a variation of municipal revenue bonds, issued by state or local governments to raise money for affordable housing development projects.
investopedia
1
29.18
15.4
0
16.42
18.8
13.09
18.5
19.6
Housing Bubble
A housing bubble, or real estate bubble, is a run-up in housing prices fueled by demand, speculation, and exuberant spending to the point of collapse. Housing bubbles usually start with an increase in demand, in the face of limited supply, which takes a relatively extended period to replenish and increase. Speculators pour money into the market, further driving up demand. At some point, demand decreases or stagnates at the same time supply increases, resulting in a sharp drop in prices—and the bubble bursts.
investopedia
1
41.9
12.6
13
11.84
13.4
9.61
13.375
14.1
Housing Expense Ratio
A housing expense ratio is a ratio comparing housing expenses to pre-tax income. Lenders often use it in qualifying borrowers for loans. A housing expense ratio may also be referred to as a front-end ratio.
investopedia
1
51.14
9
9.7
9.2
7.5
9.18
6.166667
9.25
Housing Market Index
The NAHB/Wells Fargo Housing Market Index (HMI) is based on a monthly survey of members belonging to the National Association of Home Builders (NAHB). The index is designed to measure sentiment for the U.S. single-family housing market and is a widely watched gauge of the outlook for the U.S. housing sector. Since housing is a large investment, housing market indices help to monitor the overall health of the economy.
investopedia
1
48.13
12.3
12.5
11.44
14.1
11.18
14.166667
13.26
Housing Starts
The term housing starts refers to the number of new residential construction projects that begin during any particular month. As such, it is a key economic indicator. Housing start statistics are released on or around the 17th of each month by the U.S. Commerce Department.
investopedia
1
64.71
8
11.9
10.9
10
9.99
8.833333
12.22
Housing Unit
A housing unit is a single unit within a larger structure that can be used by an individual or household to eat, sleep, and live. The unit can be in any type of residence, such as a house, apartment, or mobile home, and may also be a single unit in a group of rooms.
investopedia
1
69.45
10.3
0
5.06
10.6
8.19
14.5
12.28
Howey Test
The Howey Test refers to the U.S. Supreme Court case for determining whether a transaction qualifies as an "investment contract," and therefore would be considered a security and subject to disclosure and registration requirements under the Securities Act of 1933 and the Securities Exchange Act of 1934.
investopedia
1
39.16
13.6
0
14.1
16.2
11.52
17.25
17.91
HSA Custodian
An HSA custodian is any bank, credit union, insurance company, brokerage, or other Internal Revenue Service (IRS)-approved financial institution that offers health savings accounts (HSAs). Financial institutions that manage HSAs are also called HSA administrators. An HSA custodian or administrator holds HSA assets in a secure HSA account. In some instances, the account holder may direct how to invest the funds and may withdraw them for qualified medical expenses.
investopedia
1
31.21
14.6
16.3
15.44
17.4
11.64
12.625
16.16
Hub and Spoke Structure
A hub and spoke structure is an investment structure used by an investment company in which several investment vehicles, each remaining individually managed, pool their assets together, contributing to one central investment vehicle. This can also be called a master-feeder structure.
investopedia
1
25.29
14.8
0
16.65
17.1
9.66
16.75
14.05
Hubbert Curve
The Hubbert curve is a method for predicting the likely production rate of any finite resource over time. When plotted on a chart, the result resembles a symmetrical bell-shaped curve.
investopedia
1
64.71
8
0
11.3
10.4
10.17
8.5
11.33
Hubbert's Peak Theory
Hubbert’s peak theory is the idea that, because oil production is a non-renewable resource, global crude oil production will eventually peak and then go into terminal decline following a roughly bell-shaped curve. Although this model can be applied to many resources, it was developed specifically as a model for oil production.
investopedia
1
37.13
14.4
0
13.81
17
10.78
17.75
15.69