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What Factors Influence an Individual's Investment Objective?

In addition to an individual’s time horizon and risk profile, other factors that influence an individual’s investment decisions include income, capital gains tax, dividends tax, commission and fees for actively managed portfolios, and total wealth, which may include assets like Social Security benefits, expected inheritance, and pension value.

Are Ticks and Pips the Same?

A pip is like a tick, representing the smallest change to the right of the decimal, but often applies to forex markets. It is the smallest whole unit price move that an exchange rate can make.

Why Is the Risk/Return Ratio Important?

The risk/return ratio helps investors assess whether a potential investment is worth making. A lower ratio means that the potential reward is greater than the potential risk, while a high ratio means the opposite. By understanding the risk/return ratio, investors can make more informed decisions about their investments and manage their risk more effectively.

Can I Lose Hollywood Dollars on a Trade?

Yes. If the value of a MovieStock or StarBond you own, goes down and you sell it, you will have lost money. However, the really risky way to lose is where you sold or shorted a MovieStock or StarBond because you thought the value was going to go down. As the bond or stock goes up in value, your paper loss will increase until you liquidate that trade or the bond or stock expires. So, if you sorted a MovieStock at H$10 and it eventually closes out at H$100, you will have lost H$90.

Can You Refuse a Deposition?

If you are subpoenaed to sit for a deposition, you must show up by law and answer the questions honestly and to the best of your knowledge. Failure to show up could result in imprisonment for contempt of court and forced into a deposition there. Lying under oath can result in the crime of perjury.

How Much Did the Stock Market Crash During the Great Recession?

On October 9, 2007, the Dow Jones Industrial Average closed at its pre-recession high of 14,164.53. By March 5, 2009, the index had fallen more than 50% to 6,594.44.On September 29, 2008. The Dow Jones fell nearly 778 points in one day. It was the largest point drop in history until the market crashed in March 2020 at the start of the COVID-19 pandemic.

Which Country Has No Currency of Its Own?

There are a number of different countries that don't have their own currency. For instance, 19 member states of the European Union use the euro as their currency. Some countries use the U.S. dollar exclusively for transactions, including Zimbabwe, Ecuador, El Salvador, East Timor, and the Turks and Caicos islands among others.

How Does a Tax-Sheltered Annuity Work?

A tax-sheltered annuity is a type of retirement plan offered by certain organizations, such as churches, non-profit organizations, and public schools. This plan works like other retirement plans—employees can contribute a certain portion of their annual salaries up to a certain amount each year. These contributions are made on a pre-tax basis. Earnings grow tax-free, which means they aren't taxed until the plan owner begins making withdrawals during retirement.

Why Do Companies Engage in Earnings Management?

There are many reasons corporate managers engage in earnings management. These include higher bonuses, avoidance of falling below closely followed analyst forecasts, tax savings, boosting the value of the company, and creating a sense of stability.

What Is the Current Usury Rate?

Each state specifies its own usury rate and how it is calculated. For example, the current usury rate in North Dakota is the "maximum rate of interest which may be charged for loans of money by non-regulated lenders and is equal to 5.5% higher than the current cost of money as reflected by the average rate of interest payable on U.S. Treasury Bills maturing within six months; but in any event, the maximum allowable interest rate ceiling may not be less than 7%."

What Is the Difference Between the U.S. Treasury and the Federal Reserve?

The U.S. Treasury and the Federal Reserve are separate entities. The Treasury manages the money coming into and out of the government. The Federal Reserve's primary responsibility is to keep the economy stable by managing the supply of money in circulation. The Department of the Treasury manages federal spending. It collects the government's tax revenues, distributes its budget, issues its bonds, bills, and notes, and prints money. The Federal Reserve is the central banking system of the United States and is run by a board of governors that oversees 12 regional Federal Reserve Banks.

What Are Futures Contracts?

Futures contracts are a type of derivative. They involve a standardized contract to buy or sell a certain security at a specific price and at a specified time in the future. Futures are used by investors to hedge the value of securities they have positions in and to speculate on price movements.

How Do You Calculate Roll-Down Return?

The roll-down return is the percentage change in the bond price over the period plus the coupon payments divided by the initial bond price. The calculation assumes the yield curve remains constant, there are no significant changes in the issuer's credit risk, and yields evolve as anticipated.

What Is the Abbreviation for Modus Operandi?

Modus operandi is sometimes abbreviated as M.O. Therefore, one's M.O. refers to their usual patterns of behaviors or habits.

Why Do Firms Use Project Finance?

Project finance is a way for companies to fund long-term projects. This form of financing uses a non- or limited recourse financial structure. Firms with weak balance sheets are more apt to use project finance to meet their funding needs rather than trying to raise capital on their own. This is especially true for smaller companies and startups that have large-scale projects on the horizon.

How Do I Know If a Company Has a Competitive Advantage?

If a business can increase its market share through increased efficiency or productivity, it would have a competitive advantage over its competitors.

What Are the Main Distribution Channels?

Distribution channels are the intermediaries through which goods or services pass on their way to the final buyer or consumer. The main channels include wholesalers, retailers, distributors, and in some cases, the internet.

How Is Fair Value Considered In the Accounting of Financial Assets?

Generally Accepted Accounting Principles and International Financial Reporting Standards use fair value in accounts comprised of derivatives and hedges, employee stock options, and financial assets and accept that financial markets are efficient and their prevailing prices are reliable measures of fair value.

How Is EBITA Useful?

EBITA is considered by some to be a reliable indicator of how efficient a company’s operations are. Some analysts use it to gauge profitability, although doing so can be misleading because of the excluded expenses.

How Is APY Calculated?

APY standardizes the rate of return. It does this by stating the real percentage of growth that will be earned in compound interest assuming that the money is deposited for one year. The formula for calculating APY is (1+r/n)n - 1, where r = period rate and n = number of compounding periods.

What Is the Situational Leadership Model by Hersey and Blanchard?

Situational leadership is adapting your style based on who you manage and assign tasks to and the situation.

How Is an Excise Tax Different From a Sales Tax?

Excise and sales taxes are two different types of taxes. An excise tax is imposed on specific goods and is generally the responsibility of the merchant to pay to the government. The merchant, in turn, may or may not pass the tax on to the consumer by adding it into the price. A sales tax, on the other hand, is charged on almost everything and is collected from the consumer by the merchant who passes it on to the government. The sales tax is a percentage of the price of the good or service.

What Is the Difference Between Adjustable Life Insurance and Universal Life Insurance?

Adjustable life insurance is another name for universal life insurance. There is no difference between them, as they are the same type of policy.

How Can I Access IBES Data?

IBES is available through various subscription services offered by Thomson Reuters, including its Refinitiv, Thomson ONE, and Eikon platforms.

What Is an Example of Inventory Management?

Let's look at an example of a just-in-time (JIT) inventory system. With this method, a company receives goods as close as possible to when they are actually needed. So, if a car manufacturer needs to install airbags into a car, it receives airbags as those cars come onto the assembly line instead of having a stock on supply at all times.

How Long Will the Child Tax Credit Be Higher?

The higher Child Tax Credit that was enacted during the pandemic has since expired. The Child Tax Credit dropped from $3,000 / $3,600 per child (depending on age) back to $2,000 per eligible child at the end of 2021.

What Happens if You Default on a Loan?

What happens when you default on a loan depends on the type of loan and the lender's policy. In the case of a secured loan, the lender can seize the asset you used as collateral. For a consumer with an auto loan, that is usually the vehicle. For a business, the collateral might be a piece of equipment, real estate, or a cash account. With an unsecured debt, such as a credit card or personal loan, the lender can sue the borrower or turn the debt over to a collection agency.

What Are the Chances of Being Audited by the IRS?

The audit rate for individual tax returns was 0.49% in 2022. The IRS has audited the returns of 8.5% of the people making $10 million or more between 2012 and 2020. Individuals may be randomly selected and others triggered by departures from the norm, such as a charitable deduction that exceeds the filer's reported income.

What Is Salvage Value vs. Book Value?

Book value is the historical cost of an asset less the accumulated depreciation booked for that asset to date. This amount is carried on a company's financial statement under noncurrent assets. On the other hand, salvage value is an appraised estimate used to factor how much depreciation to calculate. It's a guess on how much the company can get for the asset at the end of its life, and this value, though helpful to determine components of a financial statement, isn't actually reported on a company's financial statement.

What Is Total Economic Surplus?

Total economic surplus is equal to the producer surplus plus the consumer surplus. It describes the total net benefit to society from free markets in goods or services.

What Role Did Deregulation Play in the Bear Stearns’ Collapse?

Some economists have attributed the subprime mortgage crisis to financial deregulation, particularly the 1999 repeal of parts of the Glass-Steagall Act. This repeal removed the legal barriers between commercial and investment banking, allowing banks like Bear Stearns to issue and underwrite securities. These securities would ultimately become a major catalyst for the financial collapse.

How Do You Calculate Equity?

Stockholders' equity is equal to a firm's total assets minus its total liabilities. These figures can all be found on a company's balance sheet.

What Is the USDA Office of Rural Development?

The USDA Office of Rural Development includes three agencies that provide economic assistance to rural families and communities—a housing program, a utilities program, and a business program. The housing program provides guaranteed and direct home loans to help low- and moderate-income borrowers in rural areas purchase modest homes with no down payment.

What Is the Maintenance Margin Requirement by a Brokerage Firm?

The maintenance margin is the minimum equity an investor must hold in the margin account after the purchase has been made. The customer's equity in the account must not fall below 25% of the current market value of the securities in the account. If this requirement is not met, the brokerage firm may liquidate the securities in the customer's account.

What Are Examples of Receivables?

A receivable is created any time money is owed to a firm for services rendered or products provided that have not yet been paid. This can be from a sale to a customer on store credit, or a subscription or installment payment that is due after goods or services have been received.

Who Underwrites an IPO?

Initial public offerings (IPOs) are usually underwritten by investment banks. These banks usually have IPO specialists on staff who work with the company making the IPO to ensure that all regulatory requirements are met.

What Are the IRS Deductions for 2024?

For 2024, the IRS standard deduction is $14,600 for single taxpayers. This is an increase from $13,850 in 2023. For married couples filing jointly, the deduction is $29,200, which is an increase from $27,700 in 2023.

How Long Does Information Remain on Your Credit Report?

Information on your credit report will typically remain for at least seven years, after which it basically falls off. One exception is Chapter 7 bankruptcy, which can remain for up to 10 years.

What Are the Stages of the Product Life Cycle?

The product life cycle is defined as four distinct stages: product introduction, growth, maturity, and decline. The amount of time spent in each stage will vary from product to product, and different companies have different strategic approaches to transitioning from one phase to the next.

Is Additional Paid-in Capital an Asset?

APIC is recorded under the equity section of a company's balance sheet. It is recorded as a credit under shareholders' equity and refers to the money an investor pays above the par value price of a stock. The total cash generated from APIC is classified as a debit to the asset section of the balance sheet, with the corresponding credits for APIC and regular paid in capital located in the equity section.

What Are the Decision Rules for Accounting Rate of Return?

When a company is presented with the option of multiple projects to invest in, the decision rule states that a company should accept the project with the highest accounting rate of return as long as the return is at least equal to the cost of capital.

Should Shadow Banks Be Regulated?

Many institutions, including the European Commission, argue that they should. They argue that the shadow banking sector requires regulation because of its size, its close links to the regulated financial sector, and the systemic risks that it poses. There is also a need, they claim, to prevent the shadow banking system from being used for regulatory arbitrage, or the process of taking advantage of loopholes to avoid potential regulatory restrictions.

What makes a capital project successful?

Careful planning and realistic estimates do. Affordable funding needs to be secured, costs need to be managed well, and the project must have a very good chance of becoming profitable. One or two setbacks could turn a capital project into a financial disaster.

What Are the 2 Types of Demand Schedules?

Demand schedules may be prepared for individual consumers or for the broad, general market. These two demand schedules will differ as the market demand schedule will encompass a more broad set of expectations while an individual demand schedule may be more refined into a specific subset of data.

Who Gets a Pension?

To get a pension, an employee has to work for a company that offers a pension plan. This can be a private company, though a majority of pension plans are now offered by government institutions and agencies. In addition, people must often meet a vesting requirement by working for a company for a specific amount of time to quality for pension plan benefits.

What Information Must Be Recorded in a Business Journal?

Every entry in a business journal must contain all critical information about a transaction. In double-entry accounting, this means the date of the transaction, the amount to be credited and debited, a brief description of the transaction, and the business accounts that are affected by it.Depending on the business, the journal may make room for other entries, such as the tax implications or the impact on a subsidiary.

What Is Ethereum's Gas Fee Now?

Ethereum's transaction fees continue to fluctuate, but they haven't changed much since proof of stake rolled out—the update was not intended to change fees.

What Happens When a Couple Divorces?

If a couple divorces, they become tenants in common, which gives them both ownership rights in the property. A court can also order the sale of the property—the proceeds would be split between the ex-spouses—or grant full ownership to one spouse.

How Do Liquidated Damages Differ From a Penalty Clause?

A liquidated damages clause is designed to allow a party to a contract to recover a loss. A penalty clause is punitive. It is intended as punishment.

Are Tax Shelters Ethical?

Taxpayers must comply with IRS code; any deviation from tax law may result in fines or imprisonment. Some may feel that these tax avoidance strategies are unethical. However, taxpayers are often encouraged to deploy legal strategies that may include avoiding or deferring taxes. Because these strategies have been embedded in intentional tax law, tax shelters are ethical and not necessarily meant to be devious.

Is 20% a high short interest?

Yes. Short interest as a percentage of float above 20% is considered high, and it indicates a very pessimistic sentiment.

What Is an Overvalued Stock?

An overvalued stock is one whose stock price is not in line with its earnings outlook, such as its price-to-earnings (P/E) ratio. Analysts that believe a stock is overvalued expect that its price will fall.

Do I Need to File 1098?

No, you don't have to file Form 1098 or submit it with your tax return. You only have to indicate the amount of interest reported by the form. And you generally only report this interest if you are itemizing deductions on your tax return.

Is a TSP the Same Thing As a 401(k)?

A TSP is not exactly the same thing as a 401(k), though they are structured similarly and have the same contribution limits. A TSP is what the federal government offers instead of a 401(k), the type of plan offered by private employers. It is possible to have both if you have worked for both a government and a private employer. However, the total contribution to these retirement plans cannot exceed the annual contribution limits set by the Internal Revenue Code.

Why Is Owning Land Important?

Owning land is important because it is a source of wealth. Land can be harvested and the materials grown on it sold for profit. Factories, warehouses, and buildings that will facilitate business can be built on land. Land can be leased in return for income. Land is also a tangible good that does not depreciate. In addition, land cannot easily be tampered with, in that there is nothing to steal from it (for the most part). It can be polluted and/or destroyed, but that can be prevented to a degree.

How Does Privatization Affect Economic Efficiency?

Many economists believe that privatization can make some government-owned enterprises more efficient by placing them under budget pressure and market discipline. This requires the administrators of those companies to reduce their inefficiencies by downsizing unproductive departments or reducing costs.

What Is Variance Used for?

Variance is essentially the degree of spread in a data set about the mean value of that data. It shows the amount of variation that exists among the data points. Visually, the larger the variance, the "fatter" a probability distribution will be. In finance, if something like an investment has a greater variance, it may be interpreted as more risky or volatile.

What Is an Example of the Law of Supply and Demand?

When gasoline consumption plunged with the onset of the COVID-19 pandemic in 2020, prices quickly followed suit because the industry ran out of storage space. The price decline, in turn, served as a powerful signal to suppliers to curb gasoline production. Conversely, crude oil prices in 2022 provided producers with additional incentive to boost output.

What Is a Double Negative Pledge?

A double negative pledge is a promise not to enter into negative covenants with any third party. In other words, it is a negative covenant that prohibits other negative covenants. This type of agreement is frequently used by banks or other lenders to ensure that they have a priority claim to a borrower's assets if they declare bankruptcy.

What Time Is the Opening Bell on Wall Street?

The New York Stock Exchange rings the opening bell at 9:30 AM every day, except weekends and holidays. The Nasdaq opens at the same time, but as an automated market the bell is purely ceremonial.

How Many Banks Are there in the UK?

There are 365 businesses in the bank industry in the UK as of 2023. This is an increase of 3.5% from 2022.

Who Sends a Debit Note?

A debit note is sent by the vendor or supplier to the buyer. The document is intended to inform the customer of their debt obligations relating to a purchase order. Debit notes may also be issued by buyers as a way to let the vendor know that goods received are being returned.

How Do You Calculate a Retainer Fee?

Retainer fees can be calculated by estimating the hours needed to complete or maintain the project the professional is hired for and multiplying it by their hourly rate. Some professionals might charge an amount per expected service.

What Is ISO 26000?

In 2010, the International Organization for Standardization (ISO) released ISO 26000, a set of voluntary standards to help companies implement corporate social responsibility. Unlike other ISO standards, ISO 26000 provides guidance rather than requirements because the nature of CSR is more qualitative than quantitative, and its standards cannot be certified. ISO 26000 clarifies social responsibility and helps organizations translate CSR principles into practical actions.

What Are the Benefits of the Empirical Rule?

The empirical rule is beneficial because it serves as a means of forecasting data. This is especially true when it comes to large datasets and those where variables are unknown. In finance specifically, the empirical rule is germane to stock prices, price indices, and log values of forex rates, which all tend to fall across a bell curve or normal distribution.

What Are the Lowest and Highest Ranked Numbers in Liar's Poker?

In Liar's Poker, 0s are usually the lowest-ranked numbers, while 9s are the highest-ranked numbers.

What Are 3 Examples of Quality Control?

Three examples of quality control could be in the food industry; overseeing the ingredient specifications, reviewing supplier lists, and ensuring the facility where the food product is made is sanitary.

How Do Fixed Costs Differ From Variable Costs?

Unlike fixed costs, variable costs are directly related to the cost of production of goods or services. Variable costs are commonly designated as the cost of goods sold (COGS), whereas fixed costs are not usually included in COGS. Fluctuations in sales and production levels can affect variable costs if factors such as sales commissions are included in per-unit production costs. Meanwhile, fixed costs must still be paid even if production slows significantly.

What Are the Most Popular Cryptocurrencies?

Bitcoin is the most popular cryptocurrency, followed by other cryptocurrencies such as Ethereum, Binance Coin, Solana, and Cardano.

What Does It Mean to Become an Expatriate?

An expatriate or "expat" is somebody who leaves their country of origin and settles abroad for an extended period of time, often permanently.

How Is Taxable Income Calculated?

Taxable income is calculated by adding up all sources of income, excluding nontaxable items, and subtracting credits and deductions.

Where Do I Find Liens?

How an individual can determine whether they have a tax lien against their property depends on where they live and which agency imposed that lien. In most places, a search via the state record office or the attorney general's office will reveal the existence of a lien against property. The Automated Lien System of the IRS can locate liens against businesses. There are private, third-party lien searching services that can also do lien research.

What Are 3 Effects of Income Inequality

Financial hardship for many, persistent poverty, and a dispirited populace that could be ripe for social and political unrest are just a few of the effects of income inequality.

What happens if a SPAC does not merge?

SPACs have a specific time frame in which they need to merge with another company and close a deal. This time frame is usually 18 to 24 months. If a SPAC cannot merge during the allotted time, then it liquidates and all funds are returned to investors.

How Can I Insure My Electronic Documents?

Electronic documents can be insured through a separate endorsement, called a data loss policy. These policies cover traditional sources of damage, such as fire or flooding, as well as hacking, viruses, and hard drive crashes. However, such policies typically do not cover wear and tear, or losses due to improper file storage.

Which Companies Have Been Accused of Predatory Pricing?

Walmart is among the companies that have been accused of predatory pricing. In 1993, a judge ordered the retailer to stop selling drugs and health and beauty products below cost after three stores in Conway, Arkansas, accused the company of undercutting them to drive them out of business.This wasn’t an isolated case. Similar allegations were leveled at Walmart from rival companies in other states, and the company has been accused of predatory pricing on several other occasions.

What is a central bank?

A central bank is a financial institution given privileged control over the production and distribution of money and credit for a nation or a group of nations. In modern economies, the central bank is usually responsible for the formulation of monetary policy and the regulation of member banks. Central banks are inherently non-market-based or even anti-competitive institutions. Although some are nationalized, many central banks are not government agencies, and so are often touted as being politically independent. However, even if a central bank is not legally owned by the government, its privileges are established and protected by law. The critical feature of a central bank—distinguishing it from other banks—is its legal monopoly status, which gives it the privilege to issue banknotes and cash. Private commercial banks are only permitted to issue demand liabilities, such as checking deposits.

How Much Should I Contribute to My FSA?

No specific amount is correct for everyone, and FSA elections vary depending on each indidvidual's particular situation. Make your election by carefully examining your expected out-of-pocket healthcare expenses for the coming year.

How are dividends paid?

In general, dividends are paid in cash. Dividend payments can also be reinvested in the stock distributing them to buy more shares.

How Can I Improve My Creditworthiness?

You can improve your creditworthiness by ensuring that your credit reports are correct, reducing your debt by paying more than the minimum balance, and by paying all your bills on time. Avoid applying for too many credit cards and loans and using all of your available credit.

Who created HERA?

HERA was passed by Congress as part of a joint effort to support recovery in the mortgage industry and restore confidence in both Fannie Mae and Freddie Mac. HERA was signed into law by then-President George W. Bush.

How Do You Calculate the Median?

The median is the middle value in a set of data. First, organize and order the data from smallest to largest. To find the midpoint value, divide the number of observations by two. If there is an odd number of observations, round that number up, and the value in that position is the median. If the number of observations is even, take the average of the values found above and below that position.

What Is a Life Estate for Dummies?

A life estate is a legal document that splits ownership of property, so that the first party retains rights to use the property and the second party retains rights to inherit it.

Is There a Closing Cross?

Yes, Nasdaq uses a similar process when the market closes at 4 p.m. This is called the Closing Cross and is used to determine the closing price of shares.

Do an SPV's Assets and Liabilities Appear on the Parent Company's Balance Sheet?

No. Special purpose vehicles have their own obligations, assets, and liabilities outside the parent company. SPVs can, for example, issue bonds to raise additional capital at more favorable borrowing rates than the parent could. They also create a benefit by achieving off-balance sheet treatment for tax and financial reporting purposes for a parent company.

What is a net loss carryforward?

The IRS allows certain net losses experienced in one tax period to be used to deduct from net profits earned in subsequent periods. The 2018 Tax Cuts and Jobs Act (TCJA) changed how businesses must account for net operating loss carryforwards. Check with your accountant for all tax matters

What Does Q4 2022 Mean?

There are two components to Q4 2022. The first part ("Q4") represents the quarter, while the second part ("2022") represents the year. In this example, the phrase Q4 2022 means the fourth quarter in 2022.Because this phrase includes both the quarter and the year, this phrase assumes that whatever is being analyzed has a fiscal year that is the same as a calendar year.

Are Unilateral Contract Mistakes Enforceable?

If a mistake occurs during a unilateral contract, some remedies for a mistake include contract reform where the contract is changed or a new contract is started, or full contract cancellation.

What Is an Example of Money Laundering?

Cash earned illegally from selling drugs may be laundered through highly cash-intensive businesses such as a laundromat or restaurant where the illegal cash is mingled with business cash before deposit. These types of businesses are often referred to as “fronts.”

Are ETPs Traded on Stock Exchanges?

Yes, ETPs are traded on stock exchanges. This means that investors can buy and sell ETP shares throughout the trading day at market prices. The stock exchange environment enhances liquidity and provides real-time pricing information for ETPs.

What Are the Largest Stock Exchanges?

By market capitalization, the largest stock exchanges are the New York Stock Exchange and the Nasdaq. Both are located in the New York. As of March 2022, the combined value of shares listed on both exchanges reached over $36 trillion.

What If I Don't Take RMDs?

If you are over age 73 and choose not to take your RMD, you will be penalized by the IRS. The amount not withdrawn will be subject to a 25% tax. Before the SECURE 2.0 Act was passed in 2022, this was a 50% penalty. According to the IRS, the penalty drops to 10% if the "RMD is timely corrected within two years."

Is Work-in-Progress a Form of Inventory?

A piece of inventory becomes labeled as work-in-progress when raw material combines with human labor. When the product is finalized, it switches from WIP to being categorized as a finished product. Finally, when the product is sold, it moves from a form of inventor to cost of goods sold (COGS) on the balance sheet.

What Is the Risk Premium for an Investment?

The risk premium is the extra amount you're expected to get for taking on risk. It is the percentage return you get over what you’d receive if you made an investment with zero risk. So, for example, if the S&P has a risk premium of 5%, it means you should expect to get 5% more from investing in this index than from investing in, say, a guaranteed certificate of deposit.

Has Insider Trading a Negative Connotation?

The term "insider trading" generally has a negative connotation based on the perception that it is unfair to the average investor. Essentially, insider trading involves trading in a public company's stock by someone with non-public, material information about that stock. Insider trading is illegal, but if an insider trades their holdings and reports it properly, it is an insider transaction, which is legal.

What Are the 4 T's of Risk Management?

The four T's of risk management are:Tolerate: management decides they are okay with a certain operational risk and does not action to stop it.Terminate: management is not okay with any level of risk with a certain activity and decides to stop that activity.Treat: management puts in place certain maneuvers that decrease the potential total risk.Transfer: management wants to perform an activity but seeks a third-party to incur the risk on their behalf (i.e. buy insurance).

How Is the Sharing Economy More Environmentally Sustainable?

The sharing economy is often cited as environmentally beneficial because it allows existing resources to be used more efficiently. An Uber driver sells rides to many people who otherwise would have to buy vehicles. A co-working space provides all of the equipment and space needed for a large number of home offices.

Is Email Money Transfer Available for Businesses?

Interac offers email money transfer services for businesses, which have options like bulk processing services, bulk receivables, and bulk payables, as well as invoicing capabilities for business customers.

What Is the Most Accurate Moving Average?

The accuracy of a moving average depends greatly on the length of the period being tracked. The most commonly used moving average periods are 50-day, 100-day, and 200-day moving averages. Historically speaking, the longer the term, the more accurate the indicator. This is because the impact of market day-to-day "noise" diminishes over time—and it takes time for a trend to clarify.

What Are the Dangers of Joint Tenancy?

Joint tenancy may lead to problems between parties if or when the personal relationship turns sour. It can also negatively impact one party if the other doesn't live up to their financial obligations. And it prevents owners from passing on their stake to someone of their choosing.