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Questions tagged [terminology]

For questions about the meaning and usage of specific terms used in personal finance, alternative names for concepts, etc.

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What is the origin of the name of Form 10-K?

I am assuming that Form 10-Q stands for quarterly, though I can't derive a good reason for the 10. Wikipedia: The name of the Form 10-K comes from the Code of Federal Regulations (CFR) designation ...
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56 views

What is the difference between “unités de compte” and ETFs?

What is the difference between "unités de compte" (often proposed in assurance-vies) and ETFs? I don't see the difference when I read the definition on https://www.journaldunet.fr/patrimoine/guide-...
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1answer
55 views

What is a nominee in the jargon of opening a bank account?

I am opening a bank account for my company and in the registration form they ask about the director of the company, who is me. After setting my details, they ask if I am a nominee. What is that ...
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1answer
47 views

What is the difference between open access and open choice in health insurance plans in the United States?

What is the difference between open access and open choice in health insurance plans in the United States? I've seen both terms used in health insurance plan names. Example, from https://www.aetna....
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1answer
105 views

What is a “cash carrying patient”?

I read on https://www.ccapta.org/mpage/MoveInsurance (mirror): Physical therapist services may be obtained without a physician’s referral if you are a cash carrying patient, receiving treatment for ...
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2answers
94 views

Is the current stock price the last bid price or the last ask price, or what?

The answer to this question states: "current stock price … is actually the price of the last trade. It is a historical price…" The last trade had a buyer and seller. The buyer paid the "ask" price, ...
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2answers
158 views

What is the difference between volatile and fluctuation in terms of stock?

Differences between volatile and fluctuation? I am new to the stock market, currently learning about the terminology and i came across these words. From what i know, volatile is like the speed and ...
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1answer
68 views

Definition of point

Jesse Livermore came out with a set of rules in his book "How To Trade In Stocks" in 1940. One of the rules is that price of particular asset should deviate by 6 points from the last pivotal point in ...
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1answer
45 views

Shares issued vs Shares outstanding and where to find in morningstar.co.uk

When talking about stocks. I am a bit confused with the term "Shares issued" and "Shares outstanding". Can someone please clarify me what is the difference? Also I want to know where to find the ...
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1answer
90 views

What does indirect lending mean?

I found a webpage for a credit union that says that they do indirect lending. I can't understand the process. What does this mean?
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2answers
216 views

Why do debits/credits increase/decrease assets/revenues/expenses?

I'm taking an accounting course and am finding that I don't understand exactly why "A credit decreases assets, such as inventory", for example. I understand that selling creates a decrease in assets. ...
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2answers
47 views

Bull call spread

My textbook says the following for a bull call spread. "In the bull call spread, you sell a call with a lower strike price and buy a a call with a higher strike price. The call spread is a credit ...
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2answers
391 views

What does the “OTC” stand for

Where do you buy "OTC" stocks,I may be naive but OTC means over the counter. I am confused as to where to purchase such stocks ?
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4answers
223 views

Efficient market hypothesis

According to the efficient market hypothesis, does the price of a stock take into account the company's growth prospects? It says that it is hard to find undervalued stocks but theoretically, is it ...
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2answers
154 views

Understanding corporate earnings manipulation

While reading earnings manipulation on investopedia, I came across following sentences: Another form of manipulation is to change company policy so more costs are capitalized rather than expensed ...
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1answer
109 views

What does PDS stand for?

I am looking at a funds fact sheet. The fact sheet contains the following warning Past performance is not a reliable indicator of future results. You should consider the PDS before making any ...
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0answers
54 views

What is Check Reconcilitation to a Bank Paid File?

I'm learning product description of a website which works in finance & digital banking sphere and it claims that users of the product can perform Check Reconcilitation to a Bank Paid File. What ...
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2answers
461 views

What does Warren Buffett mean by “demand money” and “time money”?

I'm reading through Berkshire Hathaway Letters to Shareholders and I'm confused by the following quote: In the last few years, Illinois National's mix of deposits has moved considerably more than ...
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3answers
137 views

What is the word for the sum of percentage gains from different investments? [closed]

Let's say I have $20. And I invested into two different stocks with $10 amount to each. From first investment I gained 10% profit and from second 30%. After that, I have $24. My actual profit here is ...
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1answer
71 views

What are examples of administrative costs?

What do people really mean by administrative costs? Is it just an umbrella term to actually get money from a person for no real costs, just for a service? Or it includes really some expenses?
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1answer
391 views

How many bank tiers are there? [closed]

One can often see bank tiers 1-3 being mentioned, yet sometimes there are also tiers 4 to 6. So, how many bank tiers are there really?
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1answer
65 views

What is an Initial Token Offering?

Is it the same thing as an 'Initial Coin Offering'? What would the a-z of such a thing look like in plain terms?
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2answers
4k views

What's the meaning of the word 'less' in this tax table?

Our government introduced a new Payee tax scheme. Can someone please explain how does the word 'less' work in this context?
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2answers
1k views

What is the opposite of “paying in advance”?

In a following point of a tenancy agreement my tenant is arguing that he will not pay the rent in advance. He will rather pay Rs:9000 the next month starting from the date of agreement. That the ...
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3answers
244 views

What is it called when a big player buys/sells so much volume of an asset that it changes the price?

Is there a term for when a big player buys/sells so much volume of an asset (stock, currency, gold, etc.) that it changes the price? Is there a name for this type of player? I want to know the ...
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1answer
40 views

What do you call an intermediate trading step

Suppose you want to trade A for B, but there is no direct trade option available. However, the following possibility is available: trade A for C trade C for B So, instead of making a direct trade (A ...
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1answer
78 views

Natural way of expressing changes in percentages in the financial markets

Observing the gyrations in the stock market, at some point today the NASDAQ was up 0.30%, and as I tried to verbalize this figure, I realized how unnatural it is to say "it is up zero point three ...
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3answers
915 views

The proper term for a third party economy [closed]

A friend of mine asked me whether something odd was going on, including the following picture: Basically, the companies listed (Bitcoin, Uber, Facebook, Alibaba and Airbnb) sell a service in a market ...
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1answer
263 views

How does “debt prescription” work in America (Utah if that matters)? [closed]

When googling for "debt prescription" I get a lot of hits in South Africa. Is it called something else in US English? And to the point, how does it work in America? Specifically contracts such as "...
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2answers
98 views

Understand finance from its origin

The definition of Finance in Oxford Dictionaries is: The management of large amounts of money, especially by governments or large companies. its origin is: Late Middle English: from Old French, ...
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2answers
437 views

What exactly is a time deposit?

I understand the function of a time deposit. You can make a deposit, and you cannot withdrawal (without a fine) for a set amount of time. Really what I'm confused upon is what types of accounts are ...
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1answer
138 views

Mortgage payment which starts after a year

Is there any kind of mortgage in which the first payment due starts after a year? If so, what is it called (I don't mean the one that you need to prove financial hardship).
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1answer
53 views

Is there any deferral for a Roth 401(k)?

When contributing to a 401(k) plan via paycheck deduction, one may contribute to an after-tax 401(k), a Roth 401(k), or (the or is non exclusive) a traditional (a.k.a. pre-tax) 401(k). In one ...
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1answer
193 views

What actions 'encumber' shares?

Reading through a shareholder agreement, I encountered the following section: Encumbering shares Subject to a special resolution of the shareholders to the contrary, no shareholder shall ...
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4answers
6k views

Does the 'A' in IRA stand for “Account” or “Arrangement”?

From the comments at: https://money.stackexchange.com/a/85769/4522 One poster called an IRA an: Individual Retirement Account Another stated it was an: Individual Retirement Arrangement What ...
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1answer
1k views

Generic name for the smallest unit of currency?

For example, in Canada and the US, it's a "cent", in Bitcoin it's the "satoshi", in Bahrain it's the "fil". What's a generic word that means "smallest unit of this currency"? By "smallest" I mean ...
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2answers
135 views

What is the long side of a short transaction called?

The way that a short sale occurs is that a person called the short seller borrows the item to be shorted from someone else and then sells it. The debt is for the item itself, so as long as it is ...
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1answer
72 views

Why values within a “Style Box” are discrete and not continuous?

Style Boxes map financial products on a two axes diagram, but instead of using continuous values for the axes, they use discrete values (small/medium/large, value/blend/growth, etc.). (source) How ...
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3answers
975 views

What is quotational loss in stock market?

I'm reading Benjamin Graham's The Intelligent Investor currently, and there's a term "quotational loss." What does that mean? What we have just said indicates that there may no longer be such a ...
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1answer
2k views

What is the meaning of the net worth of a person?

What is the meaning of the net worth of a person? For example, How do I find out my net worth? Bill Gates's net worth is $86.0 billion. Does that mean Bill Gates can give/donate $86.0 billion to ...
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3answers
5k views

What is it called when you sell and reinvest to pay lower taxes?

Every year or so, I sell my investments and then immediately buy them again. I do this because I'm in a low enough tax bracket that I don't have to pay capital gains on my long term investments, so I'...
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2answers
270 views

Is there a difference between “Coinsurance” and “Coinsurance after deductible”?

I'm looking at plans on the coveredCA site, and I see both terms used. However, my understanding is that coinsurance only kicks in after the deductible has been paid anyways, so "coinsurance after ...
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2answers
2k views

What are tax allowances? How many should I claim?

I've been asked by my employer to fill out a form with my US Tax Information. One section of the form, (State/Local Tax Data: NYS IT-2104), asks for my allowances. I generally understand that ...
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1answer
453 views

Proper name for banknote values (sizes)? [closed]

For example USD uses $1, $2, $5, $10, $20, $50, $100. What is a proper name for these options? If I want to give someone $1000, what would be the proper way of asking them what is the largest bill ...
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180 views

What does it mean if “IPOs - normally are sold with an `underwriting discount` (a built in commission)”

I am learning about the caveat of New Issues in The Intelligent Investor - Chapter 6: Portfolio Policy for the Enterprising Investor: Negative Approach One of the reasons for being cautious about new ...
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1answer
104 views

What are “Republic of Cuba 4½s ” referred to in The Intelligent Investor?

I am on Chapter 6 of the Intelligent Investor - Portfolio Policy for the Enterprising Investor: Negative Approach. in the specific topic of Foreign Government Bonds. It gave a brief intro about how ...
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2answers
136 views

Is there a term for the portion of sale proceeds that match the cost basis?

Is there a word or phrase that refers to the portion of the net sale proceeds that aren't capital gain? I know that portion is equal to the asset's cost basis (gain = proceeds - cost basis), but I ...
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1answer
202 views

What is the meaning of Volume factor?

I want to calculate T3 Moving Average. In order to calculate T3 Moving Average, it need Volume factor, But I don't know Volume factor. What is the meaning of Volume factor as a terminology of ...
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1answer
811 views

Origin of the term “Shell Bank”

Why are shell banks called "Shell" banks? I read somewhere it was because of their origin in the Caribbeans but I don't see the link.
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1answer
82 views

Is there a better term that means “the amount subject to a commission rate”? [closed]

If you were building a commission report laid out like the example below, is there a succinct term or word that would work well for the third column? Employee Commission Type ??????????????? ...