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How Do Fear and Greed Affect the Decisions of Investors? | Many investors are emotional and reactionary, with fear and greed being the two predominant emotions affecting investors. |
What Is the Difference Between a Financial Planner and a Financial Advisor? | Every financial planner is a financial advisor, but not every financial advisor is a financial planner. A financial planner helps individuals, families, and businesses create programs to reach their long-term financial goals. They may offer broad financial advice or specialize in an area such as investments, taxes, retirement, or estate planning.“Financial advisor” is a broad term that refers to nearly any professional who advises people on their finances, including certified financial planners. They may help manage their clients’ money, manage investments, buy and sell stocks and funds on the client’s behalf, and help with estate and tax planning. |
What Tools Do Investors Use to Compare the Performance of Hedge Funds? | Investors look at the annualized rate of return to compare funds and to reveal funds with high expected returns. To establish guidelines for a specific strategy, an investor can use an analytical software package such as Morningstar to identify a universe of funds using similar strategies. |
Are Treasury Bonds a Good Investment? | Whether Treasury bonds are a good investment will depend on the specific investor. Treasury bonds are considered risk-free assets, so investors with a low risk tolerance would find these assets suitable; however, because of their safety, they pay a low interest rate, limiting returns. These can be good options in a declining equities market for some investors. Additionally, though they are risk-free, Treasury bonds are susceptible to inflation risk and interest-rate risk, which could reduce the returns for an investor. |
Which Countries Have a Centrally Planned Economy? | While central planning once dominated Eastern Europe and a large part of Asia, most planned economies have since given way to free market systems. China, Cuba, Vietnam, and Laos still maintain a strong degree of economic planning, but they have also opened their economies to private enterprise. Today, only North Korea can be accurately described as a command economy, although it also has a small degree of underground market activity. |
What Is a Certificate of Capital Improvement? | A certificate of capital improvement is a document that certifies that a certain project is considered a capital improvement. A certificate of capital improvement is given by the owner to the construction manager or contractor to indicate that no sales tax is due. |
Are There Instances Where Governments Legally Fix Prices? | Governments may legally fix prices in specific industries, such as utilities. These instances are carefully regulated and monitored to prevent abuse and protect consumer interests. In general, these are situations where the government may want to specifically control an industry and not encourage private companies to enter the market space. |
What Can Welfare Help Me With? | The goal of welfare is to support families and individuals in need as they work towards a more secure financial life. Welfare programs are designed to help individuals and families secure safe and clean housing, get access to neonatal, health, and medical care, purchase food, provide financial assistance for daily living, and take advantage of tax breaks. |
What Does a Golden Cross Indicate? | A golden cross suggests a long-term bull market going forward. It is the opposite of a death cross, which is a bearing indicator when a long-term moving average crosses under a short-term one. |
What Is a Statutory Lien? | A statutory lien is one that is a result of the law, not your consent or a judgement. It can be used by creditors to collect unsatisfied debts. Statutory liens can remain on your credit report for up to seven years. |
What does cost and freight (CFR) entail? | Cost and freight (CFR) is an expense associated with cargo transported by sea or inland waterways. If CFR is included in a transaction, the seller must arrange and pay for transporting the cargo to a specified port. The seller is also responsible for delivering the goods, clearing them for export, and loading them onto the transport ship. However, once the shipment is loaded into the vessel, the risk of loss or damage falls to the buyer. This means that the seller is not responsible for insuring the cargo during transportation. |
What Is the Difference Between the Labor Market and the Financial Market? | The labor market is where employees and jobs interact whereas the financial market involves saving, borrowing, and investing. |
What Is Conversion Rate Optimization? | In sales, conversion is the process of turning potential leads into customers. Conversion rate optimization is a process of increasing the number of new customers in order to increase sales. This can be done by improved marketing, sales training, or otherwise making their product more appealing. |
How Are the Dogs of the Dow Chosen? | The strategy in choosing the Dogs of the Dow is simple. The 10 companies in the Dow Jones Industrial Average that pay the highest dividend yield as of the last trading day of the year are chosen to be in the Dogs of the Dow. |
How Does a Weighted Average Differ From a Simple Average? | A weighted average accounts for the relative contribution, or weight, of the things being averaged, while a simple average does not. Therefore, it gives more value to those items in the average that occur relatively more. |
What Is the Just Say No Strategy? | A just say no strategy is a defense strategy used by the board of directors of a firm to prevent a hostile takeover. The strategy involves refusing to negotiate and rejecting all outright offers that a potential acquirer makes. |
What Are the Disadvantages of Zero-Based Budgeting? | Zero-based budgeting has a number of disadvantages. First, it is timely and resource-intensive. Because a new budget is developed each period, the time cost involved may not be worthwhile. Instead, using a modified budget template may prove more beneficial. Second, it may reward short-term perspectives in the company by allocating more resources to operations with the highest revenues. In turn, areas such as research and development, or those that have a long-term horizon, may get overlooked. |
What Does a Negative D/E Ratio Signal? | If a company has a negative D/E ratio, this means that it has negative shareholder equity. In other words, the company’s liabilities exceed its assets. In most cases, this would be considered a sign of high risk and an incentive to seek bankruptcy protection. |
How Do You Report 1099-B on Your Tax Return? | You must report the information found on Form 1099-B on Schedule D and/or Form 8949 as capital gains or losses. |
What Did Hubbert Predict Would Happen to the Oil Industry? | Hubbert predicted that crude oil production would peak in the 1970s and decline from that point onwards. At the time of his writing, Hubbert was generally correct, as U.S. oil production did peak at the time; however, Hubbert was not aware of the discovery and production of additional reserves, such as from Alaska, as well as the implementation of new technologies, such as fracking, which has allowed U.S. oil production to increase. |
Why Would a Company Do a Rights Offering? | The main reason to do a rights offering is to raise capital. The capital can be used to expand the business or pay down existing debt, or any other need. Companies may issue rights offerings to existing shareholders as a benefit to shareholders as well as a way to avoid the time-consuming and costly process of underwriting and releasing more shares to the public. |
What Are the Main Components of a PERT Chart? | A PERT chart displays all of the key deliverables necessary to complete a project. It indicates the amount of time and resources needed to perform each task and the person or department responsible for each. The key deliverables or tasks are displayed with arrows that indicate the order in which each must be completed, and the dependencies among them. |
Is an Investment Manager the Same As an Advisor? | The term financial advisor (with the letter "o") is a generic term that refers to a broker or a registered representative. However, the term investment adviser (with the letter "e") is a legal term that refers to an individual or company that is registered with either the Securities and Exchange Commission or a state securities regulator. An investment manager is a type of legal financial adviser. |
What Is a Dark Pool? | Dark pools are private asset exchanges designed to supply additional liquidity and anonymity for trading large blocks of securities away from the public eye. They offer price and cost advantages to buy-side institutions such as mutual funds and pension funds, which claim that these benefits ultimately accrue to the retail investors who invest in these funds. However, dark pools’ lack of transparency makes them susceptible to conflicts of interest by their owners and predatory trading practices by HFT firms. |
Is Volatility Good for Trading? | Yes, volatility is considered good for trading. When markets are volatile, it means there are larger price swings, which is a good opportunity to make profits that are above average. However, on the flip side, increased volatility also means that the chances for losses are higher as well. And those losses would also be amplified due to larger than normal price movements. In essence, volatility allows for trading opportunities. |
What Is the Minimum Tier 1 Capital a Bank Can Have? | The Basel Accords spelled out the minimum capital requirements for banks. They must maintain a minimum capital ratio of 8%, of which 6% must be Tier 1 capital. |
What Are the Stages of a Product Life Cycle? | The product life cycle is the time it takes to go from development to decline. Put simply, the life cycle for a product takes place from conception to the time it is removed from the market. |
How Does the Jobseeker's Allowance Work in the U.K.? | The Jobseeker's Allowance in the U.K. seeks to assist unemployed individuals with the cost of living. If unemployed individuals have paid into the National Insurance, then they will receive a non-means-tested contribution, while those who have not paid into the system will receive means-based-tested contributions. |
What Qualities Make a Good Investor? | To be a successful investor, a certain set of skills are required. These include diligence, patience, acquisition of knowledge, risk management, discipline, optimism, and the setting of goals. |
How can the annualized rate of return help you understand your investments? | Investors hold different types of investments for varying periods of time. Annualized rate of return can help investors compare the performance of diverse investments. |
Why Is ROCE Useful If We Already Have ROE and ROA Measures? | Some analysts prefer ROCE over return on equity and return on assets because the return on capital considers both debt and equity financing. These investors believe the return on capital is a better gauge for the performance or profitability of a company over a more extended period of time. |
Is VUL a Good Investment? | As an insurance product, VUL may be able to boost returns in the policy during bull markets. However, as a standalone investment, VUL will not be able to match the performance of investing directly in the market. This is because the fees and the cost of the insurance component will drag down the total return. |
What Are Common Slang Terms for the British Pound? | Quid is the common slang term for the British pound, and the word is almost never pluralized. Other terms that refer to a pound include Smacker, Fiver for the £5 note, Tenner for the £10 note, and Dosh. |
What Is Capitalization in Accounting? | In accounting, typically a purchase is recorded in the time accounting period in which it was bought. However, some expenses, such as office equipment, may be usable for several accounting periods beyond the one in which the purchase was made. These fixed assets are recorded on the general ledger as the historical cost of the asset. As a result, these costs are considered to be capitalized, not expensed. A portion of the cost is then recorded during each quarter of the item's usable life in a process called depreciation. |
How Many Companies Go Public Each Year in the United States? | In 2023, 153 IPO deals raised $22.7 billion in the United States, with 132 on U.S. exchanges. |
What Is the Difference Between GDP Per Capita and Per Capita Income? | GDP per capita is the economic output of a nation per person. It is used to measure the prosperity of a nation. Per capita income is the amount of money earned per person. It is used to determine the standard of living and quality of life of a population. |
Is a High Delta Good for Options? | A rise in the price of the underlying stock is positive for call options but not for put options. This means that the Delta value is positive for call options and negative for put options. |
What Are the Risks of a Floating Check? | A floating check is one that has been written but has not yet cleared. Today, many banks immediately advance money from deposited checks to their customers. But, if the check is fraudulent or does not have enough money to draw from (i.e., a bounced check), bad actors can use the float interval to make fraudulent purchases or withdraw cash they do not actually have (such as in check kiting). Floating checks can defraud the economy of millions of dollars a year by scammers. |
What Is the Difference Between an ACATS and Non-ACATS Transfer? | The main difference between an ACATS transfer and a manual (non-ACATS) transfer is primarily one of automating the process such that it cuts the delivery time down to 3-6 business days for ACATS vs. up to one month or more for a non-ACATS transfer. The other difference is that the automated system is far less prone to mistakes, typos, and other forms of human error. |
Which Country Has the Highest Income Taxes? | As of 2024, the top 10 countries with the highest marginal income taxes are:Belgium- 79.5%Finland - 66.75%Portugal - 64%United Kingdom - 63.25%Switzerland - 59.7%Aruba - 58.95%Estonia - 58.4%Denmark - 57.11%Japan - 55% (tie)Austria - 55% (tie) |
What Does Cash-Basis Loan Mean? | Cash basis means that the lending institution has sent the loan into nonaccrual status. Because the lender hasn’t received interest for 90 days or more, they can’t record it as accrued income—they have to record it on a cash basis. |
Why Is It Called the Money Market? | The money market refers to the market for highly liquid, very safe, short-term debt securities. Because of these attributes, they are often seen as cash equivalents that can be interchangeable for money at short notice. |
How Do I Confirm the Bearish Engulfing Pattern Signal? | Improving the reliability of the bearish engulfing pattern signal involves a multifaceted approach that incorporates additional technical indicators, contextual analysis, and risk management strategies. By integrating additional layers of analysis and risk management, you can improve the reliability of the bearish engulfing pattern as a bearish signal. It should be noted that no single indicator should be used in isolation. A well-rounded strategy often involves several forms of analysis for more robust decision-making. |
Who Is Eligible for ERISA? | ERISA applies to anyone who works for a partnership, limited liability company, S-corporation, C-corporation, nonprofit organization, and even businesses with only one employee. Churches and religious organizations aren't typically covered, and plans that operate outside the United States primarily for the benefit of nonresident aliens aren't covered. |
Is mass production expensive to set up? | Creating a mass production system can be expensive to set up and even more expensive to alter if changes need to be made after the production has already started. The cost of setup is generally offset by the efficiency with which products are made once the system is up and running. |
How Were Transportation Costs Allocated in DES? | Transportation costs in a DES transaction were primarily the responsibility of the seller. The seller covered the expenses associated with transporting the goods to the named port of destination. Any additional transportation costs beyond the port generally became the responsibility of the buyer. |
What Makes a Grantor Trust Intentionally Defective? | Intentionally defective refers to the fact that the grantor no longer owns the assets in the trust—they are removed from the estate—but still pays income taxes on any income earned from the assets in the trust. |
How Do You Identify Brand Loyalty? | Though some may smirk at customers waiting in line (potentially in the rain) for the latest cell phone release, there are obvious signs of brand loyalty worth being envious of. Products that sell out quickly, are backordered, require waitlists to get, or have popular pre-sale quantities indicate customers are willing to buy a good before the market has even decided its value. You can also measure brand loyalty by tracking repeat customers and customer lifetime value; the higher for each, the more likely consumers will repeat their purchases with a company or brand. |
What Is the Profitability Index Used for? | The profitability index is used for comparison and contrast when a company has several investments and projects it is considering undertaking. The PI is especially useful when a company has limited resources and can't pursue all potential projects, as it can be used to prioritize which projects to pursue first. The index can be used alongside other metrics to determine which is the best investment. |
Is Supplemental Insurance a Good Choice? | It all depends on your insurance needs and what other coverage you already have. Supplemental insurance for yourself and your family members provides additional coverage beyond your employer's standard limits. While supplemental insurance offers fewer options than other types of policies, it can be worthwhile if your health history or age make it difficult to obtain coverage through a private insurer. |
What Are Examples of Project Types? | A common example of a project would be product development. Multiple departments are involved in creating the product, marketing it, selling it, and more. The team that designs a project is different from the teams that manufacture, market, or sell the product. As part of a project, each of these teams would be working with a project manager who helps move the product development from one stage to the next. |
What Are Some Price Abnormalities Seen on Triple-Witching Dates? | An interesting phenomenon is that often the price of a security may artificially tend toward a strike price with large open interest as gamma hedging takes place. Gamma hedging works to minimize the risk associated with changes in delta, providing a more stable options portfolio. Changes in delta, in turn, are most simply defined as the change in an option's price sensitivity to any changes in the underlying asset's price. The gamma hedging can lead the price to “pin” the strike at expiration. Pinning the strike, when an underlying security's market price closes very near the strike price of heavily traded options, can bring "pin risk" for options traders uncertain whether to exercise the long options that have expired in the money or are very close to it. This is because they are also unsure how many of their similar short positions will be assigned. |
Is Allowance for Doubtful Accounts a Credit or Debit? | The Allowance for Doubtful Accounts account is a contra asset. Contra assets are still recorded along with other assets, though their natural balance is opposite of assets. While assets have natural debit balances and increase with a debit, contra assets have natural credit balance and increase with a credit. |
What Is a Financial Crisis? | A financial crisis is when financial instruments and assets decrease significantly in value. As a result, businesses have trouble meeting their financial obligations, and financial institutions lack sufficient cash or convertible assets to fund projects and meet immediate needs. Investors lose confidence in the value of their assets and consumers' incomes and assets are compromised, making it difficult for them to pay their debts. |
How Are Signature Loans Different From Personal Loans? | A signature loan is a type of personal loan. It’s different from other kinds of personal loans because it’s unsecured. The only collateral is the borrower’s signature and a promise to pay. |
What Is the Difference Between Simple Interest and Compound Interest? | Simple interest pays interest only on the amount of principal invested or deposited. For instance, if $1,000 is deposited with 5% simple interest, it would earn $50 each year. Compound interest, however, pays “interest on interest,” so in the first year, you would receive $50, but in the second year, you would receive $52.5 ($1,050 × 0.05), and so on. |
What Are the Types of Absorption Costing? | There are two main types of absorption costing: full absorption costing and partial absorption costing:Full absorption costing includes all of the costs associated with producing a product or providing a service, including both fixed and variable costs. Under full absorption costing, the total cost of a product or service is absorbed, or spread out, over the units produced. This means that the cost of each unit produced includes a portion of the fixed costs, as well as the variable costs associated with that unit.Partial absorption costing includes only some of the costs associated with producing a product or providing a service. Under partial absorption costing, only a portion of the fixed costs are included in the cost of each unit produced. The remainder of the fixed costs are treated as a period cost and are expensed in the period in which they are incurred. |
Are Equality and Equity the Same Thing? | No. Equality means giving everyone exactly the same resources or opportunities. Equity involves giving each person the resources and opportunities they need to achieve an equal outcome for everyone. |
Is a Direct Rollover a Qualified Distribution? | Yes. A direct rollover of eligible assets in a qualified retirement plan is considered a qualified distribution because the assets are transferred directly into another qualified retirement plan. |
What Is the Difference Between Capital Goods and Consumers Goods? | Capital goods, such as buildings, machinery, equipment, vehicles, and tools, are physical assets that a company uses in the production process to manufacture products and services that consumers will later use. Capital goods are not finished goods but are used to make finished goods. Consumer goods are those used by consumers and have no future productive use. |
Who Earns Ethereum Gas Fees? | Ethereum gas fees consist of two portions: a block base fee and a tip. The block base fee is burned after the transaction, and the tip is received by the randomly chosen validator. |
What Is Difference Between Nominal Rate and APY? | APY (annual percentage yield) is the effective interest rate which tends to be more relevant to borrowers and lenders. The consumer, usually the borrower, pays an effective rate that varies from the nominal (stated) rate based on fees and the effect of compounding. To that end, the effective rate (APY) is often higher than the nominal rate. |
How Is Average Propensity to Consume Measured? | Average propensity to consume may be reported as a percent (60% of income is consumed) or as a decimal (average consumption is 0.6). Average propensity to consume is also generally most useful when compared against itself over time or across entities. For example, the average propensity to consume for a United States citizen could be tracked over time or compared against Canadian citizens. |
How Do You Negotiate Against the MSRP? | The best way to negotiate with a car dealer is to find out the invoice price of the car you are looking at. This is the cost that the dealer pays to the manufacturer for each car. You should also try to find out if there are any rebates, subsidized lease deals, or other breaks that can reduce the value of the car. This allows you to bargain for a discount that still allows the dealer to make money. |
What Are Some Types of Organizational Structures? | The four types of organizational structures are functional, multi-divisional, flat, and matrix structures. Others include circular, team-based, and network structures. |
How Are Simple Moving Averages Used in Technical Analysis? | Traders use simple moving averages (SMAs) to chart the long-term trajectory of a stock or other security, while ignoring the noise of day-to-day price movements. This allows traders to compare medium- and long-term trends over a larger time horizon. For example, if the 200-day SMA of a security falls below its 50-day SMA, this is usually interpreted as a bearish death cross pattern and a signal of further declines. The opposite pattern, the golden cross, indicates potential for a market rally. |
How Much Does It Cost to Get Lean Six Sigma Training? | The cost of Lean Six Sigma Training varies depending on whether you take courses online, taught by a virtual instructor, or in-person, as well as the level of belt you are pursuing. A one-day White Belt training can range from $99 to $499. An eight-day Master Black Belt training costs $4975 for both in-person and live virtual training. A three- to four-day course in Lean Fundamentals ranges from $1300 to $2000 or $399 to $774 for an online training. |
What happens if a derivative warrant expires? | If a warrant expires without being exercised, it becomes worthless. The holder of that warrant can no longer use it to buy shares in the issuing company. |
What Are Examples of Refundable Tax Credits? | Refundable tax credits are refunded to the taxpayer regardless of the taxpayer’s liability. These include the earned income tax credit (EITC) and the additional child tax credit (ACTC). |
How Long Does It Take for a Ledger Balance to Clear? | The ledger balance is often updated to reflect the available balance within a day. It generally takes less than 24 hours for the ledger balance to become available. |
What Is an HTM Strategy? | An HTM strategy is a held-to-maturity strategy, which is a method of classifying certain investment securities held by a company. When a company has HTM securities, it will hold these till maturity. The goal of an HTM strategy can be to protect against adverse interest rates, create portfolio diversification, or earn a small return on low-risk securities. |
What Do Investment Banks Do? | Broadly speaking, investment banks assist in large, complicated financial transactions. They may provide advice on how much a company is worth and how best to structure a deal if the investment banker's client is considering an acquisition, merger, or sale. Essentially, their services include underwriting new debt and equity securities for all types of corporations, providing aid in the sale of securities, and helping to facilitate mergers and acquisitions, reorganizations, and broker trades for both institutions and private investors. They also may issue securities as a means of raising money for the client groups and create the necessary U.S. Securities and Exchange Commission (SEC) documentation for a company to go public. |
What Makes an Asset Tangible? | An item is tangible if it can be touched and has a real, physical presence. Some definitions of tangible may include the description that the asset can be seen, but this description could also be used to describe items you can’t touch (i.e. digital currency balances can be seen on a monitor). |
Can I Use Covered Calls in My IRA? | Depending on the custodian of your IRA and your eligibility to trade options with them, yes. There are also certain advantages to using covered calls in an IRA. The possibility of triggering a reportable capital gain makes covered call writing a good strategy for either a traditional or Roth IRA. Investors can buy back the stock at an appropriate price without having to worry about tax consequences, as well as generate additional income that can either be taken as distributions or reinvested. |
How Are Capital Gains Taxed? | Capital gains are classified as either short-term or long-term. Short-term capital gains, defined as gains realized in securities held for one year or less, are taxed as ordinary income based on the individual's tax filing status and adjusted gross income. Long-term capital gains, defined as gains realized in securities held for more than one year, are usually taxed at a lower rate than regular income. |
What Is the Foreclosure Process? | Foreclosure rules can vary from state to state, but it's typically initiated because the homeowner has stopped making mortgage payments. The mortgage contract gives the lender a secured interest in the property, This provides the lender with a legal right to seize the property after giving proper notice to the homeowner and allowing them to cure the default. The lender will then sell the property to recoup some, if not all, of the money it loaned so the homeowner could initially buy the property. |
What Is the Polarity Principle? | The Polarity Principle refers to the price phenomenon whereby once resistance is broken, it becomes support, and vice versa. A break of a resistance zone will usually see a quick test of the breakout level to see if the break holds, or if it fails and reverses lower. |
Is a CFA Better Than a CFP? | If you're headed for a career in the financial services industry, which is better depends on where you want to go.A chartered financial analyst (CFA) is skilled in investment analysis and portfolio management. They often work at big investment firms, mutual funds, or hedge funds, as they are qualified to research potential investments, recommend them, buy and sell them, and manage them.CFA certification is awarded by the CFA Institute to those who pass three six-hour exams renowned for their difficulty.A certified financial planner (CFP) has an in-depth knowledge of personal and family financial matters such as budgeting, investing, retirement planning, and insurance. The CFP is most often found working with individuals, helping them create a long-term financial plan and manage their money.CFP certification is awarded by the CFP Board based on a test that is taken in two sessions lasting three hours each. It has 170 questions on a wide range of personal financial planning topics. |
What Are Alpha and Beta in Finance? | Alpha measures the excess return above a benchmark for an investment while beta is the measure of volatility, also known as risk. Active investors seek to achieve alpha returns by employing unique strategies. |
Is Dollar-Cost Averaging a Good Idea? | It can be. When dollar-cost averaging, you invest the same amount at regular intervals and by doing so, hopefully lower your average purchase price. You will already be in the market when prices drop and when they rise. For instance, you'll have exposure to dips when they happen and don't have to try to time them. By investing a fixed amount regularly, you will end up buying more shares when the price is lower than when it is higher. |
What Does a Correlation of 1.0 Mean? | A correlation coefficient of 1.0 means that two variables have perfectly positive correlation. As one variable changes, so does the other. Though this does not mean that one variable directly impacts the outcome or changes to the other, both variables always move in tandem and are most likely highly related. |
What inventory cost methods are acceptable under generally accepted accounting principles (GAAP)? | GAAP allows for last in, first out (LIFO), first in, first out (FIFO), or average cost method of inventory valuation. On the other hand, International Financial Reporting Standards (IFRS) do not allow LIFO because it does not typically represent the actual flow of inventory through a business. |
How Can We Improve Quality of Life? | Work on improving your work-life balance, relationships, home, and health.Governments can improve the quality of life in their countries by offering affordable and accessible healthcare, investing in education, providing affordable housing, offering family-friendly policies, and putting laws into place for workers to earn living wages. |
What Is the Main Advantage of Horizontal Integration? | The main advantage of horizontal integration is the strategically focused decision to penetrate a specific section of a supply chain. Horizontal integration allows a company to potentially acquire a competitor, gain greater insight into the market, expand its product line, or create economies of scale. Horizontal integration is a way for a company to simply do better at what it was doing before. |
How Long Can Property Taxes Go Unpaid? | The length of time that one can be delinquent on their property taxes varies from state to state. In general, property owners have around two years before their homes are foreclosed on. |
How Can I Calculate the Tick Size? | The tick size is set by the exchange where the instrument is traded and is based on the type of instrument, its price, and the market it trades in. To find the tick size of the instrument you are interested in, search for its product specifications on the exchange(s) where it trades. |
What Is the Advantage of Universal Banking? | The advantage of universal banking for a customer is that it allows a customer to manage all of their finances under one roof. For example, a person can have a checking account, a loan, a mortgage, asset management services, and other investment services all at one institution. Sometimes they receive benefits or discounts for doing so. For banks, it allows them to make more money by providing a variety of different services and charging for them—multiple revenue streams. |
How Can I Buy USDT? | Tether tokens can be bought and sold on cryptocurrency exchanges, including Binance, CoinSpot, Bitfinex, and Kraken. Some online brokerages also offer cryptocurrencies. |
Who Controls the Asian Development Bank? | The ADB is run by a board of governors, which represent the member countries of the ADB. As of 2022, ADB's five largest shareholders are Japan and the United States (each with 15.6% of total shares), the People's Republic of China (6.4%), India (6.3%), and Australia (5.8%). |
What Percentage of New Cars Are Lemons? | It is estimated that each year, approximately 150,000 cars (1%) are considered lemons; however, it is believed that the number is probably higher due to people not reporting defective cars or not being aware of the extent of the defects. |
What Is Wrongful Termination? | Wrongful termination occurs when an employee is let go for reasons prohibited by employment law, such as discrimination, whistleblowing, or retaliation.Employers who fire individuals for not complying with certain requests, such as doing dangerous or illegal work, are also guilty of wrongful termination. Companies that change working conditions without notice, ultimately forcing an employee to leave or be fired, are also said to be in violation of employment laws.Individuals who are wrongfully terminated may pursue legal action against their former employers. |
What Type of Economy Influenced Jean-Baptiste Say? | Jean-Baptiste Say was heavily influenced by the economic theories laid out by Adam Smith in his book The Wealth of Nations. He believed in Smith's free market and laissez-faire economic theories. Say spent a great deal of time and effort highlighting these subjects in his own educational and professional pursuits. |
What Is an Example of a Finding in Behavioral Finance? | Investors are found to systematically hold on to losing investments far too long than rational expectations would predict, and they also sell winners too early. This is known as the disposition effect, and is an extension of the concept of loss aversion to the domain of investing. Rather than locking in a paper loss, investors holding lose positions may even double down and take on greater risk in hopes of breaking even. |
How Do You Report Credit or Debit Card Fraud? | Contact your bank or credit issuer by phone when you see a suspected fraudulent charge. From there, the Federal Trade Commission (FTC) also suggests following up immediately with a letter to the bank that includes all the pertinent details. These details include your account number, the date and time you think your card was missing, and the date you reported the fraud. This creates a paper trail to prove you reported the charges. |
Is Consumerism Bad for Society? | While people need to be consumers in order to live and obtain our needs and wants, excess consumerism is widely thought to be a negative for society. Consumerism leads to negative externalities like pollution and waste. Moreover, consumerism begins to define people by what they own. According to some sociologists, mass culture popularized via the advertising industry creates consumers who play a passive role manipulated by brands, rather than as active and creative beings. There are systematic biases in the system which generate consumerism. If these system-biases were eliminated, many people would adopt a less consumerist lifestyle. |
What Makes a Good Brand? | A good brand has a clear focus, strong visuals, is familiar with its target audience (family versus mature audience, for example) and is easily recognizable in a sea of similar brands. |
Does Everyone Pay a Payroll Tax? | Yes, for the most part, everyone pays a payroll tax, which is automatically deducted from one's paycheck. The Social Security and Medicare taxes are regressive (everyone pays the same amount), while income tax is progressive (those that make more are taxed at a higher rate). |
Is China Encouraging the Birthrate Today? | Yes. China has implemented or increased parental tax deductions, family leave, housing subsidies for families, and spending on reproductive health and child care services to increase the national birthrate since ending the one-child policy formally in 2015. The Chinese government also promotes flexible work hours and work-from-home options for parents. Most interesting are policies one wouldn't consider related to the birthrate at first glance, such as banning private tutoring companies from profiting off teaching core subjects during weekends or holidays. By lowering educational pressure on children and this often costly financial load on parents, China is attempting to lower the burdens of parenting. With greater financial security, parents may feel better able to handle additional children. Another upshot? By reducing pressure academically, especially on weekends and holidays, families can spend more time together, thus fostering greater family connections. |
What Is the Total Monetary Base of the United States? | The monetary base of the United States was estimated to be $5.52 trillion as of July 2023, according to the Federal Reserve. |
How Is Impairment Determined? | The generally accepted accounting principles (GAAP) define an asset as impaired when its fair value is lower than its book value. To check an asset for impairment, the total profit, cash flow, or other benefit expected to be generated by the asset is compared with its current book value. If it is determined that the book value of the asset is greater than the future cash flow or benefit of the asset, an impairment is recorded. |
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Dataset Description
I have created Investopedia-Insights, a dataset made from high-quality financial questions and answers sourced from Investopedia. This data is organized into prompts and responses, the structure designed to work easily with the popular gpt-llm-trainer tool, which simplifies the fine-tuning process. Cheers!
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