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1.Reflation it is a fiscal or monetary policy, which is created to expand
the output of the country and to curb the effects of deflation.Reflation
policies can include reducing taxes, changing the money
supply and lowering interest rates.
1.
Refund it is the compensation rewarded to a customer for over-invoicing or for goods returned.
2.Refunding - it is the outstanding bond issue at maturity by utilizing
the money from the selling of new offering.
3.Regional Check Processing Center RCPC it is a local Federal
Reserve facility where by checks which are drawn on the depository
institutions are processed overnight.
4.
Registered Bond an owner of the bond who is registered with thebond's issuer.
5.Registrar an individual who is an official keeper of all the records
which are made in a register.
6.Regression it is a statistical calculation that establishes the
strength of the relationship between one dependent variable and
independent variable.
7.
Regulation Q it is a Federal Reserve Board regulation whichrestricts the interest rate banks can pay on savings deposits.
8.Regulatory Bodies - The bodies which are created as an independent
organization by government to manage the activities of companies in
an industry.
9.Regulatory Capture it is a theory connected with George Stigler, a
Nobel laureate economist. It is the method by which regulatory
agencies in the long run come to be dominated by the very industriesthey were charged with regulating.
10.Rehypothecation it is the act of pledging of securities in the
customer margin accounts as collateral for a brokerage's bank loan.
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11.Reinsurance - The act of transferring of risk by the insurer to other
parties by some form of contract for lowering down the likelihood of
having to pay a large obligation resulting from an insurance claim
12.Reinvoicing Center it is the department of a multinational
company which manages all internal transactions.
13.
Related-Party Transaction - A business deal or arrangementbetween two parties who are attached by a special association earlier
to the deal.
14.Relationship banking it is an attempt to move one step forward in
the sales culture beyond order taking to a more pro-active form of
direct selling.
15.Relationship Manager - A professional whose main motive is to
improve a relationship of the firm with both partner firms andcustomers.
16.Relative Return it is the return that an asset reaps over a period of
time when compared to a benchmark.
17.Release of Lien it is an agreement among a lender and a
borrower under which the lender releases the mortgaged asset or
property, even though the debt duty remains in force.
18.
Remittance it is the concept where monetary payment istransferred by a customer to a business.
19.Renewable Resource it is a substance of economic value that can
be swap or replenished in the similar amount or less time as it takes to
draw the supply down.
20.Renewal it is a clause in a lease that outlines the stipulations for
renewing or extending an new lease contract.
21.
Rent-A-Crowd - A group of people rented to make a business show
busy. These are sometimes engaged on the grand openings of a fresh
business to give the appearance that something is attracting. people
to the store, which then potentially attracts realcustomers, who come to see why the crowd hasgathered.
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22.Rent-An-Employee it is a business strategy whereby a company
will employ fake staff to make a business seem busy.
23.Repackaging - When a private equity firm takes a public firm
private by buying out all of its general stock with leverage loans.24.Repatriation it is the act of converting a foreign currency into the
currency of domestic country.
25.Repayment This is the act of returning back the money which was
borrowed previously from a lender.
26.Repo 105 it is an accounting trick in which a company classifies a
short-term loan as a sale and consequently uses the cash earnings
from said sale to decrease its liabilities.27.Report of Condition and Income it is a quarterly financial
statement which banks, bank holding companies and Edge Act
corporations must file with the FDIC under Section 1817(a)(1) of the
Federal Deposit Insurance Act.
28.Representative Money it is a claim over a commodity, for example
gold certificates or silver certificates.
29.
Repricing Opportunity it is the variation in the rate of interest ofan assets and liabilities which are interest-sensitive.
30.Reproduction Cost it is the cost which is involved in
manufacturing the identically reproducing of an asset or property
with the same materials and specifications as of insured property basis
current prices.
31.Repurcahse Agreement it is the borrowing for a short term for
the dealers of government securities.32.Required Cash - it is the net dollar value which should be reflected
up front by the buyer for closing the mortgage or to refinance an
existing property.
33.Required Yield it is the rate of return which a bond should offer
for becoming the worthwhile investment.
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34.Requisition it is a formal request placed for something, majorly a
written formal request on a printed form.
35.Research Analyst a professional individual whose main work is to
prepare detail reports on equity securities.
36.Research And Development - R&D it is one of the departments
whose main motive is to investigate businesses that elect to discovernew products or procedures, or ways to improve existing products or
procedures.
37.Research Associate - Research associates it carries the research of
economic and finance activity. This analysis depends on the particular
industry.
38.Reservable Deposit it is the deposited made by the bank
depending on the reserve requirements.39.Reserve Bank Of India RBI this is known as central banking of
India and also controls the monetary policy of the rupee.
40.Reserve City Bank it is a bank which can be found in any city it
also consist of a Federal Reserve bank or Federal Reserve branch
office.
41.Reserve Currency-A foreign currency held by central banks andother major financial institutions as a means to pay offinternational debt obligations, or to influence their domestic
exchange rate. A large percentage of commodities, such as gold
and oil, are usually priced in the reserve currency, causing other
countries to hold this currency to pay for these goods. Holding
currency reserves, therefore, minimizes exchange rate risk, as
the purchasing nation will not have to exchange their currency
for the current reserve currency in order to make the purchase.
Reserve Fund the amount which is set aside in a separate account byan individual or business for meeting any uncertain costs that
may arise in the near future.
42.Reserve Maintenance Period it is the time frame in which banks
and other depository institutions have to fulfill a certain level of funds
required.
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43.Reserve Ratio it is the ratio which all bank must have in hand in
cash form.
44.Residual Income it the remaining amount of that an individual
has left with after all personal debts have been paid.
45.Residual Interest it is the interest payment received by investors
for a real estate mortgage investment conduit.46.Resistance (Resistance Level) it is the price at which a stock or
market can trade, but cant exceed, for a certain period of time.
47.Resolution Funding Corporation REFCORP it is a mixed-
ownership of the government corporation which was created by
Congress in year 1989 in collaboration with the Resolution Trust
Corporation (RTC).
48.
Restricted Asset it is an asset which is received or held by a partywhich is restricted legally or contractually be used or spent.
49.Restricted Fund - In non-for-profit accounting fund whose assets
are restricted to chosen purposes as per contributor or grantor
request.
50.Restricted Market it is a market which restricts a free-floating
exchange rate, this type of the market is controlled by the government.
51.
Restricted Stock when the insider holdings which is under somekind of retraction of sales.
52.Restructuring it is the changes made to the debt part, or to the
structure of a company.
53.Restructuring Charge it is a one-time cost which has to be cleared
by a company when it reorganizes.
54.Resume - it is a document which is used by individuals to furnish
their background and skillets.
55.Retail Banking it is a mass banking where individual customers
use local branches of the commercial banks.
56.Retail Broker he is a broker whose most of the customers are
retail investors.
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57.Retail Investor an individual who buy and sell securities for their
personal account, inspite trading for another company or organization.
58.Retail Lender An individual lender who lends money to
individuals rather than institutions.
59.Retail Price Index RPI it is an index that collect the prices of
various retail goods in outlets across the United States for the purposeof finding the rate of inflation.
60.Retail Repurchase Agreement it is a substitute to regular savings
deposits.
61.Retained Earnings The percentage of net earnings not paidout as dividends, but retained by the company to be reinvested inits core business or to pay debt. It is recorded under
shareholders' equity on the balance sheet.
Retention Bonus it is a payment of incentive used to induce the
employees from leaving the organization.
62.Retention Ratio - it is the ratio of earnings credited to retained
earnings. It is
Calculated as:
63.Retirement it is the stage where an individual stops employment
completely.
64.Retirement Contribution it is a monetary contribution to a
retirement plan. It can be prior to tax or after tax, it depends on
whether the retirement plan is qualified or not.
65.Return on Asset it indicates of how much profit a company has
reaped relative to its total assets.66.Return on Capital it reflect how effectively a company uses the
money invested in its operations.
67.Return on Capital Employed - A ratio that reflects efficiency and
profitability of a capital investment of a company.
Calculated as:
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68.Return On Capital Gains it is the return that one receives from
the raise in the value of a capital asset (investment or real estate).
69.That Return On Debt ROD - to evaluate a performance of the
company or calculate net income which relates to the amount of itsissued debt.
70.Return on Equity it is the amount net income which is paid back
to the shareholder as a percentage of shareholders equity.
71.Revaluation it refer to rise of a price of goods or products. The
use of this term is done at the time of revaluation of a currency.
72.Revenue Officer an individual working for the Internal Revenue
Service (IRS) department of collections.73.Revenue Recognition it is a principle of accounting
under generally accepted accounting principles (GAAP) that explains
the situation under which income becomes realized as revenue.
74.Revenue Regulation Fund it is the sovereign wealth fund for the
nation of Algeria.
75.Reversal it is the change in the direction of the price trend.
76.
Reversal Amount It is the movement of the price needed to shifta chart to the right.
77.Reverse Culture Shock it is shock experienced by some people
who return home after a number long time from overseas. It can result
in difficulty in readjusting.
78.Reverse Exchange it is a type exchange of the property where the
replacement property is acquired first, afar that current property is
traded away.79.Revocable Line Of Credit - it is the credit which is offered to an
individual or business by a bank or any other financial institution,
which can be revoked at any time at the discretion of lender.
80.Revolving Credit it is credit line where the customer has to pay
the fees committed and after that he is allowed to use the funds.
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81.Revolving Door-A revolving door typically consists of three or fourdoors that hang on a center shaft and rotate around a vertical axis within acylindrical enclosure. Revolving doors are energy efficient as they preventdrafts, thus preventing increases in the heating or cooling required for thebuilding.[1] At the same time, revolving doors allow large numbers of people topass in and out.
82.
Revolving Loan Facility it is loan allowed by any financialinstitution to the borrower for the purpose of business or personal and
the borrower has the benefit to decide how they want to pay off the
loan amount.
83.Revolving Underwriting Facility RUF this term is derived form of
revolving credit where the group of underwriters decided to offer
loans in the situation when a borrower is unable to sell in the
Eurocurrency market.84.Reykjavik Interbank Offered Rate REIBOR it is the interbank
market rate related to short term loans at Icelandic commercial and
savings banks.
85.Riding the Yield Curve-it is a trading strategy that is based upon the
yield bend and is used for interest rate futures. Investors expect to
attain capital gains by employing this approach.
86.
Right Of First Offer it is a compulsion of the owner of an asset toa rights holder to bargain the sale of an asset with the rights owner
before submission of asset for trade with third parties.
87.Right Of First Refusal it is the right given to a person or company
for purchasing something and prior to its offer made available to
others.
88.Right Of Foreclosure it is the ability of the lender to take control
of the property which was used to safe guard if the borrower defaultson making payments.
89.Right of Offset - The "right of offset" is a grouping of state statutory
and common law that allows a creditor to employ money that it owes
to a debtor to compensate past due or defaulted obligations of the
debtor to itself.
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90.Right Of Redemption it is the legal right given to the mortgagor or
borrower who is the owner of real estate and wish to reclaim his or her
property.
91.Right Of Rescission it is the right given to the consumer for
nullifying the contract within three business days of signing it without
attracting any penalty.92.Rio Hedge - When a trader who is facing financial or legal dilemma
hedges his or her position in an investment with a permit to a tropical
location (such as Rio de Janeiro).
93.Rio Trade - In the securities marketplace, a deal made in a anxious
attempt to recover previous losses.
94.Risk it is the chance that the return yielded by an investment will
be different than expected return.95.Risk Analysis the process of analyzing the dangers caused to
individuals, businesses and government agencies by some natural and
adverse events caused by human.
96.Risk Arbitrage this type of risk exists in
A. Merger and acquisition arbitrage it is the parallel process of
purchasing of stock in a company which is been acquired and the
selling the stock in the acquiring company.
B. Liquidation arbitrage it is the manipulation of difference between
the current value of a company and its estimated liquidation value.
97.Risk Assessment it is the measuring the quantitative or
qualitative value of risk concerning to a situation and a recognized
threat.
98.
Risk Averse it is the explanation provided by an investor who,
made choice between two investments proposition with a similar
expected return) and will go for the one with the lower risk.
99.Risk Capital any investment funds allocated to speculative action.
It refers to funds utilize for high-risk, high-reward investments such as
junior mining.
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110.Risk-Free Asset it is an asset which has a certain future return
attach with it. Majorly all the Treasuries bills are taken to be risk-free
as they are backed by the U.S. government.
111.Risk-Free Rate Of Return it is the rate of return which explains
investing in the avenue with zero risk.
112.
Risk-Return Tradeoff it is the relationship between risk andreturn that holds, in this trade off one should be ready to accept higher
risk for higher return.
113.Risk-Weighted Assets it is minimum amount of capital which is
needed within banks and other institutions, basis of a percentage e of
the assets, and weighted by risk.
114.Road Show it is a presentation by an issuer of securities to
prospective buyers. It is anticipated to create interest in the securities.115.Robber Barons it is a unscrupulous feudal lords who combined
personal fortunes by using unlawful and corrupt business practices,
like illegally charging tolls to passing merchant ships.
116.Robust it is the feature explaining the model's, test's or system's
capacity to perform effectively while its variables are altered.
117. Roll Back - it is when an investor swap an old options position by
a new one having an earlier expiration date.118.Roll Forward - it is when an investor swaps an old options position
by a new one having a later expiration date.
119.Rollercoaster Swap it is a cyclic exchange providing elasticity of
payments at prearranged periods to best meet the counterparty's
cyclical financing needs.
120.Rolling Returns it the yearly average return for a specified
period ending with the listed year.
121.Rolling Settlement The process of settling security trades onsuccessive dates so that trades executed today will have a
settlement date one business day later than trades executed
yesterday. This contrasts with account settlement, in which all
trades are settled once in a set period of days, regardless of when
the trade took place.
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122.Rollout it is a slang term for the introduction of a new product
or service in the market.
123.Rollover it is the funds which are reinvest from a mature
security into a new issue of a similar security.124.Rollover Credit the interest which is paid to a forex trader
holding a position overnight.
125.Rollover Debit - In trading of foreign exchange, any loss caused
due to difference in daily interest rates among the currencies being
traded.
126.Rose-Colored Recession it is the unanticipated hopefulness
market observers from time to time experience during a recession. Itrepresents the unnecessary positivity of the general public subsequent
news or data released during a recession.
127.Round-Trip Trading it is a deed that attempts to blow up
transaction volumes through the constant and frequent purchase and
sale of a picky security, commodity or asset.
128.Royalty it is the payment made for the use of any property,
especially a patent, copyrighted work, or natural resource.129.Rubber Check - it is the name for a "bounced check."
130.Rubinomics it is a mixture of the words "Rubin" and
"economics" that focuses on the impact of an unbiased budget on
long-term interest rate.
131.Rumortrage it is the term frequently used by traders to refer
to enlarged trading caused by a takeover buzz.
132.
Run it consists of a series of bid and offer quotes of varioussecurities or maturities.
133.Rust Belt these are the heavy industries area comprising of
older factories, particularly those that are marginally profitable.
134.Rust Bowl it is a region that was once recognized for its
manufacturing plants but is now deserted as these plants have either
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disappeared out of business or moved to Latin America or Asia, where
labor costs are poorer.
135.S&P Core Earnings- IT is a standard determining core earnings of a
company that are the company profits derived from main business of
the company.
136.
S&P Phenomenon- It is the stock tendency newly added to theS&P index for temporary increase in price.
137.Sacrifice Ratio- It is the cost an economy incurs when the growth
slows down or stops for overcoming inflation.
138.Safe (or Safety) Deposit Box- It is a box located in a bank used for
storing valuables accessed with keys, pin numbers or security pass.
139.Safe Asset-It is an asset that does not have a lawsuit risk.
140.
Safe Deposit Box- It is a strong box that contains valuables of anindividual can be accessed only through passwords.
141.Safekeeping- It is the storageofvaluableassets orother items in
a protectedareabyusing services ofabank orbrokeragefirm.
142.Salary It is a fixed compensation paid for the services on a
regular basis.
143.Sale- It is the goods or services exchanged for an amount of
money or its equivalent.144.Sales Mix- It is the goods and services group a company provides
and offers a wide product mix that carries less risk and also less profits.
145.Sales Mix Variance- It is the difference in the purchase quantity of
the customer for every product or service in comparison to the
quantities expected by business to sell.
146.Sales Tax-It is the tax paid to government for selling a good or
service.
147.Sales to Cash Flow Ratio - It is a ratio to know the possibility of
company being bankrupt and is derived by dividing sales per share
from its cash flow per share.
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148.Salomon Brothers- It was an investment bank of Wall Street
formed in 1910 and was aquired in 1980 by the commodity trading
firm Phibro Corporation.
149.Same-Day Funds- It refers to the Fund that is withdrawn on the
same day it was deposited in a bank.
150.
Same-Day Substitution- It is an offset change in the marginaccount, made on the trading day resulting in no overall change in the
account value.
151.Sample Selection Bias- it is a collection of sample in a manner that
some members of the population are not equally liked to be included
than others.
152.Sampling- It is the selecting technique where a small portion or
segment is selected as sample to take a decision.153.Samurai Bond- IT is a Japanese bond denominated in yen and can
be purchased by the individuals who do not reside in Japan.
154.Samurai Market-It is a slang term for the Japanese stock market in
Japan usually purchased by non-residents of Japan.
155.Sandbag- It is a management stalling tactic used to make
company disinterested in taking them over.
156.
Satisfaction of Mortgage- It is a document release indicating thedebt Is paid by in full.
157.Saver's Tax Credit- It is a tax credit that is non-refundable and
given to individuals or households having less income that can
contribute to qualified retirement savings plans.
158.Saving Bank-It is a bank receiving and investing the individuals
saving and interest is paid on the deposits.
159.
Savings and loan association-It is a financial institution specializing
to accept deposits for savings and giving mortgage or other loans and
is in existence in the United States.
160.Savings And Loan Crisis - S&L-it was the crisis from 1980s to 1990s
when 747 out of the 3,234 savings and loan associations failed in the
United States.
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161.Savings Association Insurance Fund (SAIF)- It is thefederalfund
ensuring savingdeposits andloan associations and is taken careby
the Federal DepositInsurance Corporation.
162.Savings Club- IT is a group made by mutual understanding of the
members for opening savings or other deposit account.
163.
Savings- it refers to the left out income after spending.164.Scalping- It is a strategy of trading attempting to make huge
profits on small changes in prices
165.Scam It is a deliberate practice by an individual or a company for
securing unfair or unlawful gain.
166.Scarcity Principle- IT is a principle of economics which states that
scarcity of supply of a specific good has high demand in the market.
167.
Scarcity-It refers to insufficient amount or supply of resources tomeet the needs.
168.Scenario Analysis- It is an analyzing process of future events so
that various possible outcomes can be evaluated.
169.Schedule I Bank- IT is a financial institution in Canada that is
regulated by the Federal Bank Act and is not fully owned by non-
residents.
170.
Schedule II Bank- It is a financial institution that is a foreign banksubsidiary and has the authority to accept deposits in Canada.
171.Scorched Earth Policy- It is an anti-takeover strategy followed by
firm to liquidate its valuable and desired assets.
172.Scrap Paper-It refers to stock certificate that has no worth now as
a result of company being bankrupt or closed.
173.Scrap Value- It is the value of physical asset that is useless for the
individual who owns it.
174.Search Cost-it is the cost incurred in terms of time, energy and
money by a consumer who is searching a product or service for
purchasing.
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175.Seasonal Adjustment-It is the method of statistics to remove the
seasonal component of a time series used while analyzing trends of
non season.
176.Seasonal Credit-It is the rate of credit that is applied to loans
having short duration provided to small lending institutions by Central
Bank to resolve the purpose of providing liquidity.177.Seasonal Industry- It refers to the Sector of economy having high
and low cycles on the basis of recurring weather phenomenon or
holiday or vacation periods.
178.Second Mortgage-it refers to the second loan that is taken against
property and signifies that first mortgage will be paid of prior to
second mortgage.
179.
Secondary Beneficiary-refers to a person who gets the benefit if awill, trust or insurance because of the death of first person.
180.Secondary Business-It refers to the sector involved in
manufacturing business like construction goods, Dairy Crest etc.
181.Secondary Buyout-A type of leveraged buyout in which afinancial sponsor or private equity firm sells its investment in a
company to another financial sponsor or private equity firm,
thereby ending its involvement with the company in question.Historically speaking, secondary buyouts are often perceived to
be "panic" sales and, thus, are sometimes hard to consummate.
Secondary buyouts are not the same as secondary market
purchases, or "secondaries," which typically involve the
acquisition of entire portfolios of assets.
Secondary holders- it refers to the holders of shares who will be paid
out after paying to the main holders of the shares.
182.
Secondary Liability-It is a obligation legally on one party being
responsible for the other partys action.
183.Secondary Liquidity-It is a liquidity type which is initial public
offerings portion and is done after distribution of shares to both
retailer and institutional player.
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184.Secondary Market-It is a market where securities are purchased
by one investor from other investor and not from issuing company.
185.Secondary Offering-It is the new stock issue for public sale by a
company which has already made its initial public offering.
186.Secondary Reserves-It refers to assets which are invested in safe,
marketable and short-term securities like Treasury bills.187.Secondary Stock-It refers to the stock which has more risk
attached to it than blue chips as it has got small market capitalization.
188.Sector Analysis-It is the analysis or assessment of the conditions
currently prevailing and future prospects of a particular sector of the
economy.
189.Sector Breakdown-It is the arrangement of sectors inside a fund
or portfolio generally it is a percentage of the equity asset class.190.Secular Market-It is a market that has driving forces which were in
place for many years and results in hike or fall in the price of an
investment for a long time period.
191.Secure Electronic Transaction (SET)-it refers to standards set to
secure credit card transactions done by insecure networks like Internet
transactions.
192.
Secured Bond-IT is a bond that is issued against some asset and incase of default the asset is passed to the bondholders.
193.Secured Card-It is a credit card which has got a savings account
attached as collateral for the credit limit of the card.
194.Secured Creditor-It refers to the creditor having security of the
assets of the debtor.
195.Secured Debt- IT is a debt that is issued against some collateral
and in case of default the collateral is seized by the bank.
196.Securities And Exchange Board Of India (SEBI)-It is the body that
regulates the investment market of India and maintains stability and
efficiency in market by creation and enforcement of rules in the
marketplace.
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197.Securities Fraud-It is a illegal act where an individual or company
misleads investors by giving wrong or misleading information.
198.Securities Lending-It refers to lending of a stock, derivative or any
other security to an investor or firm against collaterals by borrower.
199.Securities Loan It is a loan that is collateralized through
marketable securities.200.Securities Subsidiary-It is a company which is under the control of
a large bank or financial holding company.
201.Securities-ITrefers tothe instruments offinancingor investing
purchaseand sold in financialmarkets likebonds.
202.Securitize- It is group of financial assets pooled to create a new
security which is marketed and sold to investors.
203.
Security Analyst-Is an individual studying different industries andcompanies and present research and valuation reports for purchase or
sell of securities.
204.Security Deposit-It is a deposit of money seller gives to a lender as
an intent proof which can be refundable or not as per the terms of the
agreement.
205.Security Interest-it is a claim legally made on collateral that
backed loan for obtaining a loan.206.Seed Capital- It is the initial capital required for starting a business
giving by company founders personal assets or friends and family.
207.Seigniorage- It is the economic cost to produce a currency in a
given economy or country which may result in profit or loss.
208.Self-Amortizing Loan-It is a loan where both principal and interest
amount is periodic paid for paying off the loan.
209.
Self-Employed-It refers to an individual who working for one's self
and gets income from a trade operated by him or her.
210.Self-Help- it is an alert by a trading exchange that a problem has
occurred on one of the exchanges and so it should be temporarily
bypassed for regular flow of orders.
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211.Self-Regulatory Organization (SRO)-it is an organization of non-
government type having powers for creating and enforcing industry
rules and standards.
212.Sell Side-It refers to retail broker or research department selling
securities and making recommendations to the customers of
brokerage firm.213.Sell Signal-It is a signal for investors to sell a particular investment
that attentive analyst and investor observe because of good
understanding of the stock market.
214.Sell To Close-It is a phrase used on the street by brokerages for
the closing of long position in option transactions.
215.Sell To Open- It is a phrase used on the street by brokerages for
the opening of long position in option transactions.216.Seller-It is the party of a sale transaction that makes or offers a
sale to buyer.
217.Seller's Market-It is a market where the number of buyer is more
than sellers and results in high prices.
218.Sell-Off-it is the selling of securities that is repaid like stock.
219.Sell-Out -It is the compromised integrity, morality or principles for
money or success.220.Senate Bill- It is the proposed legislation portion which requires
majority approval by the Senate and the House of Representatives to
become a law.
221.Senior Loan Officer Opinion Surveyon Bank Lending Practices
(SOSLP) A quarterly survey completed by 75 banks consistingof 53 domestic and 23 foreign branches operating in the United
States. The Senior Loan Officer Opinion Survey on Bank LendingPractices (SOSLP) gathers information on how officials feel about
policy changes made, possible future policy changes and changesin supply/demand for certain products. The survey is completed
in time to be discussed at the quarterly Federal Open Market
Committee (FOMC) meetings.
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222. Sensex It is an abbreviation of the Bombay Exchange Sensitive
Index which is the benchmark index of the Bombay Stock Exchange and
has 30 stocks that are largest and most actively-traded.
223.Sensitivity Analysis- it is a technique for determining the impact of
an independent variable on dependent variable If set of assumptions
exist.224.Sensitivity-It is the degree of response to which instrument is
sensitive for an incoming signal.
225.Separate Account- It is an investment account that is privately
managed and brokerage or financial advisor opens it to use pooled
money for purchasing individual assets.
226. Sequential Growth- IT is a company's short-term financial
performance measurement for comparing recent periods results withthe results of immediately preceding period.
227.Sequestered Account-It is a deposit account that is seized by the
order of court or law and cannot be operated without the approval of
court.
228.Series E Bond- it is a bond that is issued at 75% of the face
amount and is reported for income tax purposes of the year it is
redeemed.229.Service Charge- it is a charge additionally levied for a service on
which the basic fee is already paid.
230.Service Sector Service Shares- IT is a fund traded on exchange
investing in consumer and financial services companies.
231.Set-Off Clause-It is a clause by law giving authority to the lender
for seizing the deposits by debtor deposits if he or she defaults on a
loan.
232. Settlement It is the process for settling the transaction through
adjustments on both sides of the party.
233.Settlement Date- It refers to the date till when settlement of an
executed trade must be done.
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234.Settlement Period- It is the time period from the settlement date
and till the transaction date allotted to the parties of a transaction
for satisfying the obligations of the transaction.
235.Settlement Price- It refers to the average price which is the base
of contract trades for calculating at the opening and closing of every
trading day.236.Settlement Risk- It is the risk attached with one party failing in
delivering the contract terms with other party at the settlement time.
237.Seven Day Yield- It is the dividend and interest fund earns and pay
out in the seven-day period after deducting management fees incurred
in those seven days.
238.Shadow Banking System- It refers to the financial intermediaries
that are involved in the facilitation of creating the credit throughoutthe global financial system and the members are under the regulatory
oversight.
239.Shadow Inventory- It is a term referring to real estate
properties that are in foreclosure and not been sold yet or homes of
the owners who delay in putting in the market till prices improve.
240.Shadow Market- It is a private unregulated market where
investors purchase shares of companies not publicly traded currently.241.Shakeout-Shakeout is a term used in business and economics todescribe the consolidation of an industry or sector, in which businesses areeliminated or acquired through competition.[1] It may also refer to a situationin which many investors exit their positions, often at a loss, due to uncertaintyin the market or recent bad news circulating around a particular security orindustry.[2]
242.Shakeup- It is a event and process series that is done by a
company's management team to change or reorganize itself toimprove its current situation.
243.Share Capital-It refers to fund that is rose through shares issue in
return of cash or other considerations.
244.Share Certificate- it is a certificate legally acknowledged as an
ownership proof in a firm.
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245.Share Draft- it is a draft credit unions use as a method
for accessing funds in individual accounts just like personal checking
accounts of banks.
246.Share Repurchase- It is a program of buying back of company its
own shares from the marketplace and reducing the outstanding
shares.247.Share Turnover-it is a measure to calculate the liquidity of the
stock derived by dividing the total shares traded in a period from the
average shares outstanding in that period.
248. Shared National Credit Program- It is a program for providing a
review that is efficient and consistent and classify any large syndicated
loan.
249.
Share-Draft Account-it checks the consumer Account and allowscredit-union members in accessing the balances of their shares by
writing drafts on their accounts.
250.Shareholder Activist- It refers to an individual who uses his or her
rights of being a shareholder of a company that is publicly-traded and
try to bring in a social change.
251.Shareholder Equity Ratio-It is a ratio that determines the amount
of money received by the shareholders if company liquidates.252.Shareholder- It refers to an individual, company, or any institution
owning minimum one share in a company.
253.Shareholders' Equity-It refers to the average price at which the
trading of contract is done and is calculated at the opening and closing
of every trading day.
254.Shares- it refers to one unit of ownership interest in a company or
financial asset.
255.Shark Repellent- It is a Slang term for any one measure taken by
company to get rid of an unwanted or hostile takeover attempt.
256.Shark Watcher- It is a specialized firm in the early detection of
takeovers.
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257.Sharpe Ratio-It is a ratio for measuring risk-adjustment
performance and is derived from the difference between risk-free rate
and the rate of return for a portfolio and then dividing it by the
standard deviation of the portfolio returns.
258.Shell Branch- it is a branch location of U.S. chartered bank that is
located outside the host country that functions as a booking office forthe financial transactions of the bank.
259.Shingle Theory- It is a doctrine introduced by the Securities and
Exchange Commission for protect his or her customer to make
suggestions regarding securities.
260.Shirkah- It is an Islamic finance term describing partnership
among two or more individuals.
261.
Shock Absorber- A shock absorber is a mechanical device designed tosmooth out or damp shock impulse, and dissipate kinetic energy. It is a typeof dashpot.262.Shogun Bond- it is a foreign-currency denomination bond issued
in Japan by foreign entities.
263.Short And Distort- It is an illegal practice due to unethical internet
investors who short-sell a stock and then spread rumors or bad news
to drive down the price of equity.264.Short Covering- It refers to purchase of securities for closing an
opening short position done by purchasing the same type and number
of securities sold short.
265.Short Interest Ratio- IT is a ratio derived by dividing short interest
from the average daily volume for a stock.
266.Short It is the sale of a security, commodity or currency
borrowed with the expectation that the value of the asset will fall.267.Short Rate Model- It is the rate of interest at which an individual
or company can borrow money for a very short time.
268.Short Selling- It is the security selling that is not owned by the
seller or sale not completed by the delivery of a security seller
borrows.
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269.Short Squeeze- It is a situation when there is lack of supply and an
excess demand for a traded stock forces the price upward.
270.Short Term- It refers to an asset or commodity that is hold for a
short time period as is convertible in cash in the next year.
271.Shortage- It is the situation when available supply is less than the
demand for the product or service.272.Shortfall- It is the difference between quantity supplied and
quantity demanded.
273.Short-Term Debt-It is a debt in the portion of current liabilities of
the balance sheet of the company that includes debt incurred by a
company due in one year.
274.Short-Term Gain- It refers to the capital gain from the capital
assets sale or exchange held for one year or less.275. Short-Term Loss- It refers to the capital loss from the capital
assets sale or exchange held for one year or less.
276.Short-Term Paper- It is a financial instrument having maturity of
less than nine months and generally issued at discount and provides an
investment alternative having low-risk.
277.Shotgun Clause- It is a provision of buy-sell related parties used in
business venture giving an investor in the partnership offer right of hisportion to a partner at a particular price.
278.Shrinkage- It is an amount inventory on hand is short than the
recorded amount of inventory.
279.Side Collateral- It refers to a physical asset, financial asset or
personal guarantee that collateralizes a loan partially.
280.Signaling Approach- It is the signal that insider might have
information that is not available in the market.
281.Signature Card-A card that must be signed by an individual whois openingan account at a bank or other similar institution. This
card is kept on file, and it is used by the bank to confirm the
identify of the person when they return, for example
to access theirsafe deposit box.-
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282. Signature Loan-It is a personal loan bank or other financial
company offers that uses only the signature of borrower and promise
for paying as collateral.
283.Silent Bank Run-It is a situation where a bank depositor withdraws
funds without entering the bank physically like through ATM.
284.
Silent Second Mortgage- It is a secondary mortgage that isplaced on an asset and the lender of the original loan is not disclosed
and typically used when down payment is not affordable by the
purchaser.
285.Siliconaires- It is slang for young dotcom entrepreneur in the 20s
and 30s who became rich because of stock option from the Silicon
Valley Internet companies.
286.
Silo Mentality- It is organizations attitude occurring when variousdepartments do not share information with other individuals of the
same company.
287.Silver Parachute- It is a severance form paid to company
employees if it is taken over by another.
288.Simple Moving Average (SMA) It is a simple arithmetic moving
average calculated by aggregating the closing price of the security for a
particular time periods and dividing its total by the number of timeperiods.
289.Sinful Stock- It is a stock of a company involved in activities
considered as unethical or immoral. It is also called as sin stock.
290.Single Payment Options Trading (SPOT)- It is an option type
product allows an investor for setting not only the conditions that is
required to be met for receiving a desired payout and the size of the
payout he or she wishes to receive incase condition is met.
291.Single-Digit Midget-It is a term used for stock of companies which
has seen a high price drop or has a price below $10 per share.
292.Sinker- It is a bond with payments provided by the issuers sinking
fund set aside to repurchase a portion of the bonds issued each year.
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293.Sinking Fund-It is a fund for repaying funds that was borrowed by
a bond issue and periodic payments are made to a trustee retiring part
of the issue by purchasing the bonds in the open market.
294.Sir Allen Stanford- He was a banker who was investigated for
securities fraud of more than 8 billion dollar.
295.
Six Sigma- It is a program of quality-control that emphasizesimprovement of cycle-time and reduces manufacturing defects to an
extent not more than 3.4 per million.
296.Skewness - it refers to an asymmetry formed by the normal
distribution of a set of statistical data which can be negative or
positive.
297.Skilled Labor-It is a work force segment having high skill level
creating significant economic value through the work performed.298.Skip Account- It refers to borrower defaulting on a loan and
skipping on repayment by moving on without providing a correct
forwarding address.
299.Skirt Length Theory- it is a stock market theory which says if skirt
is short it means the markets is going up and if skirt is long it means the
markets is going down.
300.
Slippage- It is the difference in the expected price of the trade andthe price at which it is actually executed.
301.Slow Loan-A loan that a lender considers at risk fornonpayment. Banks and lending institutions will often set aside a
portion of their cash reserves to hedge against potential slow-
loan losses. The Office ofThrift Supervision (OTS) originally
provided a regulatory definition of a slow loan.302. Slow Market- It is a market exhibiting low trading volumes
currently or low volatility levels.
303.SLR- It is the currency market also called as the foreign-exchange
market that is the largest financial market of the world having daily
average of more than 1 trillion dollar.
304.Sluggish Economy- It is the economy state where the growth is
slow, flat or declining.
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305.Slump- It is a term referring to a period when there is poor
performance or inactivity in an economy, market or industry.
306.Slush Fund- It is a fund not having a specific purpose which is
illegal.
307.Small Cap-It refers to stocks having small market capitalization
ranging from 300 million dollar to 2 billion dollar.308.Small Saver Certificate (SSC) It is a savings account of deposit
having no requirement for minimum balance.
309.Smart Money-It refers to cash investment by those who are
considered as experienced, well-informed, in-the-know or all three.
310.Social Audit- It is a review of a companys endeavors formally
done for social responsibility which looks at factors like charitable
giving etc.311.Social Commerce- It is an electronic commerce employing social
media in promoting online transactions.
312.Social Responsibility- It is the principle stating that company is
supposed to contribute in the welfare of society and should not only
be focused on profit maximization.
313.Social Security It refers to social insurance program that
provides protection for socially recognized conditions like poverty,unemployment, disability etc
314.Social Security Number (SSN)-It is a number assigned to
individuals for the purpose of identification.
315.Socially Responsible Investment (SRI) - It is an investment that
makes company socially responsible for the nature of the business the
company conducts like not selling addictive substances.
316.
Socionomics- It is the study of moods and effects of social
behavior and actions on the economy, financial markets and political
preferences.
317.Soft Commissions- It is a commission which helps investment
companies in covering some of the expenses by trading commissions
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330.Special Economic Zone (SEZ) It is the area of country possessing
special economic regulations varying from other areas of the same
country.
331.Special Finance-IT is the auto lending industry sector for
borrowers having limited or problematic credit history.
332.
Special Flood Hazard Area (SFHA)- It is a term used by the FederalEmergency Management Agency in the National Flood Insurance
Program for referring to the land area covered by the floodwaters of
the base or 100-year flood
333.Speculation-It is the financial actions which do not have safety of
the initial investment as the return on the principal sum.
334.Spike-It is the execution of trade order that is the slip of
confirmation and lists all the data pertaining to it like stock symbol,price etc.
335.Spot Delivery Month-It refers to the nearest month in which
commodity trade is delivered currently in commodity market.
336.Spot Exchange Rate-It is foreign-exchange contract rate for
immediate delivery. It is also called as benchmark rates.
337.Spot Loan- It is a mortgage loan that borrower makes for
purchasing a single unit in the multi-unit building.338.Spot Price-It refers to the current price of a specific commodity
that can be purchased or sold at a certain time and place.
339.Spot Rate- It refers to the current rate of interest of a specific
commodity that can be purchased or sold at a certain time and place.
340. Spot Trade- It refers to buy or sale of a foreign currency or
commodity to deliver immediately and settlement is done on the spot.
341.Spread Trade-spread trade is the simultaneous purchase ofone security and sale of a related security, called legs, as a unit.Spreadtrades are usually executed with options or futures contracts as the legs, butother securities are sometimes used. They are executed to yield an overall netposition whose value, called the spread, depends on the difference betweenthe prices of the legs. Common spreads are priced and traded as a uniton futures exchanges rather than as individual legs, thus ensuring
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simultaneous execution and eliminating the execution risk of one legexecuting but the other failing.
342. Stagflation-It occurs when there is no growth in the economy and
prices keep on growing.
343.Stale-Dated Check- It is the check presented for paying bank in six
months or more after the original issue date.344.Standard & Poor's 500 Index (S&P 500)-It refers to an index of
chosen 500 stocks for a particular market size, liquidity and industry
grouping with other factors.
345.Standard Deviation-It is a measure of investment volatility that
applies to the investments annual rate of return.
346.Standard Lot-It is the lot of 100,000 units of the currency quoted
in a forex trade and equals to trade size.347.Standby Letter of Credit (SLOC)- It is a payment guarantee bank
issues on the clients behalf to be used as payment of last resort if
client fails in fulfilling the commitment of contract with the third party.
348.Standing Mortgage- It is a loan of interest-only type having no
amortization of principal in the whole life of the loan and amortizes
fully at the end of the life.
349.
State Bank- It is a bank chartered by a state for providingcommercial banking mainly concerned to influence government's
monetary policy.
350.State Banking Department- It is the department in each State
supervising the state banks operation and affair.
351.Statement- It is the document of a particular period given by bank
having the details of transaction of the bank account.
352.
Statistics-It is the mathematical analysis that involves usage ofquantified representations, models and to summaries a given set of
historical data or observations of real world.
353.Statutory Audit-It is the review of the company's accuracy and
fairness in representation of financial records legally done.
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354.Statutory Reserves-it is a reserve of assets and marketable
investments regulated by law and Insurance companies require holding
if company becomes insolvent.
355.Sterling Overnight Interbank Average Rate (SONIA) - It was
established by the Wholesale Markets Brokers Association in Britain
because before this there is no Sterling overnight funding rate.356.Stimulus Package-It is a package of economic measures brought
together by the government for stimulating a floundering economy.
357.Stipend- It is an amount of money provided to ineligible
candidates periodically to help in offset expenses.
358.Stock Ahead- It is a situation where an order is placed and not
executed as previously sent order involves the same price.
359.
Stock Broker- Is an individual who purchase and sell shares orother securities through Agency Only Firms on the part of investors.
360.Stock Dividend-It is an incentive given in the form of additional
shares and not as cash.
361.Stock ETF- It is a securitytrackingagroup ofequities justlikean
index.
362.Stock exchange It is an exchange providing services to stock
brokers and traders for trading stocks, bonds or other securities.363.Stock- It is a type of security having ownership in a company and
represents claim in corporation's assets and earnings.
364.Stock Market Crash- It is a most rapid and generally unanticipated
drop in stock prices.
365.Stock Market- It is a market where issuing and trading of shares
are done through exchange or over-the-counter markets.
366.
Stock Quote- It is listing of prices of a stock at a specific time
during the trading day.
367.Stock Split- It is an action of company where existing shares of a
company are divided into multiple shares.
368.Stock Swap- It is the exchange between two assets.
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369.Stock Valuation It is the method to calculate companies and
their stocks value and is used to predict future market prices.
370.Stockholm Interbank Offered Rate (STIBOR)- It is interbank offer
rate officially used for short term loans in Sweden.
371.Stop Hunting- It is a strategy attempting to force some market
participants out of their position by affecting the price of an asset to alevel when many individuals chose to set their stop-loss orders.
372.Stop Order- It is a buy or sale order for a security when its price
goes beyond a particular point and ensures a good possibility to
achieve a predefined entry or exit price,
373.Stop Payment- It is the instruction given by a bank account holder
of not honoring payment to his or her financial institution.
374.
Strategic Default- It refers to default which is deliberately made asa result of financial strategy.
375.Strategic Gap Analysis- It is the analysis of the difference between
a desired outcome and an actual outcome.
376.Stress Testing- It is a technique of simulation on asset and liability
portfolios for determining their reactions to various financial
situations.
377.
Stretch Loan- It is a loan which is extended to an individual orsubsidiary company which requires a large part of cash flow for
servicing the loan on a monthly basis.
378.Strike Price- It is a price on which exercise of a specific derivative
contract can be done used for describing stock and index options at
which prices are fixed in the contract.
379.Strong Buy- It is a stock purchase type recommended by analyst
for a specific stock expected to dramatic change.
380.Structural Adjustment- It is a credit facility helping developing
countries to be more economical and has an intention to reduce the
current account debt of a debtor nation.
381.Structural Unemployment-.Unemployment resulting fromchanges in the basic composition of the economy. These changes
simultaneously open new positions for trained workers.
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382.Structured Finance- It is a finance usually involving very complex
financial transactions by many large financial institutions of companies
having unique financing needs.
383.
Structured Investment Vehicle (SIV) - it is a investment assetgroup attempting for profits from credit spreads among short-term
and long-term structured finance products.
384.Student Loan- It is a loan students are offered for paying off
expenses related to education like college fees.
385.Subprime Borrower- Is an individual who is having a below-
average credit history and bears penalty for poor credit with high
interest rates.386.Subprime Credit- It refers to the subprime debt borrowings given
to people having less-than-perfect credit histories.
387.Subprime- It refers to group of borrowers having limited or
tainted credit history.
388.Subprime Loan- It is a loan type offered at a above prime rate to
individuals not qualifying for prime rate loans.
389.
Subprime Market- It is the market where lenders and borrowershaving subprime credit transact.
390.Subprime Meltdown- It is a financial crisis arising in the market of
mortgage because of sharp increase in mortgage foreclosures.
391.Subprime Mortgage-It is a mortgage type generally given to
borrowers having low credit ratings.
392.Subsidiary Bank- It is a foreign bank type present in the host
country but is owned by a foreign parent bank.393.Subsidy- It is a benefit government gives to group or individual for
removing some type of burden in the form of cash payment or tax
reduction.
394.Substitute Check- It is a substitute of check copied electronically
and requires strict guidelines to be met in regard to create it.
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395.Sunk Cost- It is a cost made for the activities which are
irreversible.
396.Super NOW Account- It is an account offering higher interest rate
as compared to NOW account and lower interest as compared to
money market account.
397.
Super Regional Bank-It is a bank of mid-size present in multiplestates which is smaller than the national banks and bigger than
regional banks.
398.Supervisory Capital Assessment Program (SCAP) - It is a Federal
Reserve Systems financial stress test conducted for assessing capital
buffers of U.S. banking organizations.
399.Supply Chain Management (SCM) It is a products supply chain
managing and coordinating for increasing efficiency and profitability.400.Surplus- It refers to excess of assets over liabilities or income over
expenditures.
401.Surrender Charge-A fee levied on a life insurance policyholderupon cancellation of his or her life insurance policy. The fee
is used to cover the costs of keeping the insurance policy on the
insurance provider's books.
402.
Surrender Fee- It is a fee charged from investors because ofwithdrawing fund earlier by an insurance contract.
403.Surrender Period- It is the period for which investor should wait
till he withdraws funds from an annuity without paying penalty.
404.Sushi Bond- It is a Eurobond Japanese company issue and does
not apply Japanese law on the holdings of foreign securities.
405.Suspense Account It is an account for storing short-term funds
or security till the time permanent decision comes into effect.406.Swap Contract- It refers to exchanging some benefits of one
party's financial instrument with the other party's financial instrument.
407.Swap Markets- It is a market where exchange of some benefits of
one party's financial instrument is done with other party's financial
instrument.
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420.System Open Market Account (SOMA) It is an account Federal
Reserve Bank manages having assets acquired through operations in
the open market.
421.Systematic Sampling- A method of selecting sample membersfrom a larger population according to a random starting point and
a fixed, periodic interval. Typically, every "nth" member isselected from the total population for inclusion in the sample
population. Systematic sampling is still thought of as being
random, as long as the periodic interval is determined beforehand
and the starting point is random.
422.Tail Risk- it is a portfolio risk which arises when there is the
possibility that an investment will shift more than three standard
deviations from the mean.
423.Takeover it is an action where an acquiring company makes a bid
for an acquiree.
424.Takedown it is the price at which underwriters obtains securities
to be offered to the public.
425.Take-Home Pay it is the remaining pay after the addition of
bonuses and deduction of the taxes, health care premiums, and
retirement savings plans.
426.Takeout when the bid is made for the entirety of a security that
is down by the seller.
427.Take-Out Commitment it is type of agreement of mortgage
purchase.
428.Take-out lenders - it is the financial institution which offer a long-
term mortgage on property.
429.Takeout Value it if the predicted value of a company if is to be
taken private or acquired.
430.Takeover Artist - An investor or company whose main motive is to
point out the companies which are attractive buy and can be turned
around for making profit.
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431.Takeover Bid it is type of corporate action it involve an offer
made by acquiring company to the target shareholder of the
company to buy the target shares for the purpose of gaining the
control on the business.
432.Take-Profit Order - T/P the order which is used by traders of the
currency specifying the certain rate from the current price point andspecifying where to close the current position in order to make the
profit.
433.Tandem Loan when two loans are being taken out on one asset,
which can be house; the secondary loan is added to a primary loan.
434.Tandem Plan it is a program subsidized by the U.S. government
for the mortgage.
435.
Tangible Asset - Assets which are in physical form.436.Tangible Cost it is cost which is quantifiable and it is related to
any identifiable source or asset.
437.Tangible Net Worth it is measure of the physical worth of a
company, which is exclusive of any value which is derived from
intangible assets such as copyrights, patents and intellectual property.
438.Tangible Personal Property it is a tax term used to describe the
personal property that can be physically relocated.439.Target Cash Balance it is the ideal cash amount that a company
decided to hold as a reserve at certain point in time.
440.Target Firm Any company which is subjected for a merger or
acquisition attempt.
441.Target Market A target market is a group of customers thatthe business has decided to aim its marketing efforts and ultimately
its merchandise.[1]
A well-defined target market is the first element toa marketing strategy. The target market and the marketing mix variablesof product,place(distribution), promotion and price are the four elements ofa marketing mix strategy that determine the success of a product inthemarketplace.442.Target Rate -it is the rate of interest which is charged by
depository institution for an overnight sale of balances at the Federal
Reserve to another depository institution.
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443.Target Return it is the model of pricing for the business which is
based on the investor would wish to make from invested capital in the
company.
444.Target Risk Fund -A fund which targets to expose its investors to a
certain amount of risk.
445.
Target-Benefit Plan this plan is similar to a defined benefitplan as the contributions are made on the basis on projected
retirement benefits.
446.Target-Date Fund it is called as a lifecycle or age-based fund
this is a collective investment scheme, it is one of themes in mutual
fund, which is formulated to provide a simple solution of investment
by an asset mix which becomes less aggressive as the target date
approaches.447.Tariff it refers to tax on imports or exports, or a list or schedule
of prices.
448.Tax it is the money which one owes to the government in a given
year.
449.Tax Accounting it is an accounting method which concentrates
on taxes rather than public financial statements.
450.
Tax Advisor An individual who is a financial expert and speciallytrained in tax law and render his services in case when one require a
suggestion regarding the tax.
451.Tax And Price Index TPI - it is the calculation of the percentage
that an income of the consumer have to adjust, in order to stay on the
same level of purchasing power.
452.Tax Arbitrage it the act of analyzing the differences between the
different ways treating the transactions for tax purposes.
453.Tax Attribute it is the loss or credit on tax which must be
lowered as a result of the exclusion of cancellation debt from the gross
income of the taxpayer.
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465.Tax Fraud it is the fraud which happens when an individual or
business entity intentionally files false information on a tax return for
the purpose of reducing the tax liability.
466.Tax Holiday it is the government incentive program which offers
a tax reduction.
467.
Tax Home A primary place of individual for work or residence.This term at the time of determining tax on travel or any
transportation expenses.
468.Tax Identification Number TIN it is the number of nine-digit
used by the IRS for tracking for the tax purposes.
469.Tax Liability it is the total amount of tax which an entity is
mandatory to pay to an authority due to the occurrence of a taxable
event.470.Tax Lien it is a lien which imposed by law over a property to
safeguarding the payment of taxes.
471.Tax Lien Certificate it is a certificate which is claimed against the
property which has a lien upon it due to unpaid property taxes.
472.Tax Lien Foreclosure - it is the properties that have been
foreclosed due to default in paying taxes, it can be anything like
property taxes, income taxes or any other taxes which may be imposedon any type of property.
473.Tax Lot Accounting it is the technique of keeping record for each
and every details like dates of purchase and sale, cost basis, and
transaction size for every security in the portfolio.
474.Tax Planning it is the analysis of a financial situation from tax
point of view, so as to align all financial goals with tax planning.
475.
Tax Refund it is a refund which one gets on taxes at the time
when the liability of tax is less than the taxes paid.
476.Tax Refund Anticipation Loan RAL it is a loan which is provided
by a third party against the expected refund of the taxpayer.
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477.Tax Relief it refers to breaks for tax and write-offs which
reduces the amount of tax to be paid or otherwise offer concessions
for taxpayers.
478.Tax Return it is the tax form or forms which are required to file
income taxes with the Internal Revenue Service (IRS).
479.
Tax Year it is the time period which is taken by a particular taxreturn.
480.Taxable Bond it is a debt security on which investor has to pay
tax on the return to the local, state or federal level, or
some combination thereof.
481.Taxable Estate The total value of a deceased person's assetsthat are subject to taxation - minus liabilities and minus the
prescribed tax-deductible portion of assets left behind by thedeceased.
482.Taxable Event it is an event or transaction which results in a
tax for the party who executes the event.
483.Taxable Gain Any profit from the sale of an asset which attract
taxation.
484.
Taxable Income it refers to the basis upon which an income taxsystem imposes tax.
485.Tax-Advantaged it refers to the bonus which is offered on a
certain accounts or investments that are, tax-reduced, tax-deferred, or
tax-free.
486.Taxation it refers to the method of raising revenue for the
purpose of public funding by the way of taxing individuals and
organizations.487.Tax-Exempt Interest it is the interest income that is tax free in
nature.
488.Tax-Exempt Sector - The niche market consist of various
investment vehicles which are exempt from federal taxes.
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489.Tax-Exempt Security it is a security in which any income
generated is free from federal, state and local taxes
490.Technical Analysis it is a method of evaluating the securities by
analyzing its statistics which is generated by market activity, like past
prices and volume.
491.
Technical Bankruptcy it is the condition of the state where acompany or person has defaulted on its financial obligation and would
be declared bankruptcy. And all the creditor would claim there money
from the court.
492.Technical Correction it is a process lowering down of the market
price of an asset after extensive price increases.
493.Technical Decline it is a fall in the price of a related security
which is caused by factors except the change in the fundamental valueof the security.
494.Technical Default it is a lack in a loan agreement which occur
not from a default to make payments as promised, but due the failure
to uphold some other aspect concerning to the loan terms.
495.Technical Indicator Any value which is resulted from any activity
of generic price in a stock or asset.
496.
Technical Job Skills these are the technical skills for a job whichis in accordance to the talent and expertise a person who perform a
certain job or task.
497.Technical Rally it is an upward movement in a price of the
security after the declining trend in the price.
498.Technical Skills it is the knowledge required to accomplish
mathematical, engineering, scientific or computer-related tasks, as
well as all other specific tasks.
499.Technically Strong Market - A scenario where the stock price is
moving high with greater volume or reducing on low volume.
500.Technically Weak Market - A scenario where the stock market is
rising on less volume or fading out in high volume.
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501.Technology Sector A category of stocks relating to theresearch, development and/or distribution of technologicallybased goods and services. This sector contains businesses
revolving around the manufacturing of electronics, creation of
software, computers or products and services relating to
information technology.
502.Telecom Arbitrage it is a strategy based arbitrage used by
telecommunications companies which offer their mobile or cellular
phone customers to make calls to abroad without attracting any long-
distance charges by dialing certain access numbers.
503.Telegraphic Transfer TT it is an electronic way of transferring
the funds overseas. Any transfer charge is taken while sending themoney.
504.Temporary Liquidity Guarantee Program (TLGP) this program
was adopted by the Federal Deposit Insurance Corporation (FDIC) on
October 13, 2008 at the time Global financial crisis of 2008 for the
purpose of boosting liquidity in the interbank lending market.
505.Tender Panel - it is one of the ways of financing pursuant for
selling Euro notes by circling underwriting facility.506.Tenor it is the time bracket left for the repayment of a loan; it is
expressed in years, months or days.
507.Term - it is define as a time period.
508.Term Auction Facility TAF it is a program for monetary policy
abided by the Federal Reserve to support increase liquidity in the
credit markets of U.S.
509.
Term Bond these are the bonds which are issued with the samematurity date.
510.Term Deposit it is a deposit which is kept with the financial
institution for a fix term.
511.Term Fed Funds it is the funds which are borrowed by the bank
from the Federal Reserve for more than a day, but less than 90 days.
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512.Term Federal Funds it is the remaining purchased in Federal
Reserve accounts for longer than a single day. Term federal funds have
a term of 90 days, maximum.
513.Term Loan it is a term loan offered by a bank for a certain
amount which has a specified repayment schedule and interest rate a
floating one.514.Term Repurchase Agreement - Under this agreement, in this bank
will buy securities from a dealer and then again sell it after a short time
at a predetermine price.
515.Term To Maturity it is the time gap between now and when a
bond matures.
516.Terms Of Employment it is the terms and conditions that are
laid out in a contract of employment.517.Terms of Trade TOT it is the quantity of imports which can be
bought by the sale of a fixed quantity of exports.
518.The Great Recession it is the scenario which explains the
recession which started on December 2007. Great Recession was
longer in term of time period and was worst than prior recessions.
519.The Wealth Effect it is the value of stock portfolios which rises
because of escalating stock prices, investors feel more secure in termsof their wealth and in turn encouraging them to spend more.
520.Theoretical Ex-Rights Price it is a calculation of the price for the
stock share of the company after issuing new rights-shares by
assuming that the entire share issued currently are taken up by the
existing shareholders.
521.Theory Of Price An economic theory that contends that theprice for any specific good/service is the relationship betweenthe forces of supply and demand. The theory of price says that
the point at which the benefit gained from those who demand the
entity meets the seller's marginal costs is the most optimal
market price for the good/service.
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522.Theta it is the rate at which the value of the option declines it
happens with the passage of time.
523.Thin Margin - it is a deficient margin that makes the account of
the speculator in an exposed and precarious situation, in the declining
market, scenario.
524.
Thin Market - A market which has less number of buyers andsellers.
525.Third Party Someone except the primary patty involved in a
transaction or agreement.
526.Third Party Beneficiary - Any third person who will reap the
benefit from a contract signed between two other parties.
527.Third-Party Distributor it is the name given to institutions which
indulge in selling or distribute mutual funds to the investors except anydirect relation with the fund itself.
528.Third-Party Insurance when the liability insurance bought by an
insured from an insurer for getting secured against the claims made by
the party.
529.Third-Party Verification TPV it is an act of getting an
independent party for confirming that the customer is really looking
for a change or wishes to order new service or product.530.Thrift it is defined as a savings and loan association in the United
States.
531.Thrift Bank it is a financial institution whose main aim is to take
deposits and offering home mortgages.
532.Thrift Institutions Advisory Council it is a council of members
who all advises the Federal Reserve board of governors on different
requirements and condition off all savings institutions.
533.Tied Selling it is the unauthorized practice by a company
offering a product or service on condition the customer wills purchases
a product from the same or related company.
534.Tier 1 Capital this term is use to define to \ show the capital
adequacy of a bank.
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535.Tier 1 Capital Ratio it is the difference between a banking core
of the firm equity capital and total risk-weighted assets.
536.Tier 2 Capital it is the term used for explaining the adequacy of
capital with a bank.
537.Tiered-Rate Account it is a checking or savings account which
pays interest in increasingly higher amounts as the account balanceincreases
538.Tight Monetary Policy it is series of action taken by the Federal
Reserve to restrict the spending in an economy which seems to grow
at higher pace, or control the inflation when it is moving too fast.
539.Tight Money it is a scenario when money becomes very complex
to obtain in a given economy.
540.
Time Arbitrage - when chance is created by the stock missing itsmark and is sold on the basis of short-term outlook with the little
transformation in the long-term view point of the company.
541.Time Certificate Deposit itcarries the interestandtheyare
payableon orafteracertain date. TheIntereston this instrument is
higheras comparedto interestgeneratedbyotherregular savings
accounts
542.
Time Decay it is the ratio between the variations in the price ofthe option and reduction in time to expiration.
543.Time Deposit - when savings account or CD is holed for a fixed-
tenure by understanding the fact that the depositor can only withdraw
money after he furnish a written notice.
544.Time Horizon it is the tenure for which an investment is kept
prior to its liquidation.
545.
Time In Force it is the piece of instruction given while placing a
trade, mentioning the tenure of the order specifying the time to
remain active prior to its execution.
546.Time Series it is a series of numerical data points in consecutive
order, generally occurring in equal intervals.
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547.Time Sharing it is the right to dwell in a unit of real estate
property, like condominium or vacation home, for a certain time
periods by specific number.
548.Time Value of Money - it is estimation of the money which is
available at the present time is worth more as compared to the value
of the same amount in the future because of its potential capacity toearn.
549.Times Interest Earned TIE this is the metric used to estimate
the ability of the company for meeting its debt obligations.
550.Time-Sale Financing it is an indirect way of dealer lending or
financing used by banks or other third parties.
551.Tobacco Tax it is a tax levied on cigarettes to support healthcare
for the poor of state and to contribute for cancer research and otherhealth saving programs.
552.Today's High it is the highest trading price one stock achieve in a
single trading day.
553.Today's Low - it is the lowest trading price one stock hits in a
single trading day.
554.Top Holdings it is the maximum volume of traded assets which
is owned by an individual, company or fund.555.Top Line it is a reference of the gross sales or revenues earned
by the company which raises or lowered down the revenues.
556.Topping-Up Clause it is the situation which executes in a back-to-
back or two-currency loan.
557.Total Debt Service Ratio TDS this ratio reflect the part of gross
income which is already used on housing-related and other
alike payments.
it is calculated as:
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558.Total Debt To Total Assets it is the methods used to gauge the
financial risk of a company by calculating how much asset of the
company have been debt financed.
559.Total Enterprise Value TEV it is the value which is used
compare companies with different levels of debt.
This is calculated as:
TEV = Market Capitalization + Interest Bearing Debt + Preferred Stock -
Excess Cash.
560.Total Expense Ratio TER it gauge the total costs which is
related to managing and operating of an investment fund like mutual
funds. It is calculated as:
561.Total Return When measuring performance, the actual rateof return of an investment or a pool of investments over a given
evaluation period. Total return includes interest, capital gains,
dividends and distributions realized over a given period of time.
562.
Total Return Index it is indexes which keeps tracks of boththe capital gains of a group of stocks over time, and takes any cash
distributions, like dividends, or the amount reinvested back into the
index, in to consideration.
563.Total Return Swap it is the financial contract which enables the
transfers of both the credit risk and market risk of an asset underlying.
564.Total Revenue Test it is the test which is conducted to know the
price elasticity of demand by the way comparing the variation in totalrevenue as a consequences of change in the product price.
565.Total Shareholder Return TSR it is the total return generated
by the stock for an investor means capital gain plus dividends.
566.Total Stock Fund - when a mutual fund or ETF which tries to
replicate market by holding the stock of every security which are being
traded on a exchange.
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567.Total Tax it is the grand summation of all taxes that is due to pay
by a taxpayer for the year.
568.Total Utility it is the level of satisfaction which a consumer gets
through the consumption of a specific good or service.
569.Toxic Assets it is an asset which becomes illiquid at the time its
secondary market disappears.570.Toxic Debt it is the debt that has bleak chances to be p[aid off
accompanied with interest.
571.Toxic Waste it is slang term relates to securities which are not
attractive because of certain risks making them generally illiquid.
572.Tracking Error it is an error which comes in between the price
behavior of a position and the price behavior of a benchmark.
573.
Tracking Stock it is a type of security which specially designed toreplicate the performance old a larger index.
574.Trade - it is the process of shifting of ownership rights of goods
and services from one person or entity to another.
575.Trade Acceptance it is the bill of exchange for the amount of a
purchase drawn by the seller on the purchaser, containing the
signature of the purchaser and furnishing the detail of time and place
of payment.576.Trade Credit this refers to the arrangement between businesses
to purchase goods or services on account, means, without making any
cash payment.
577.Trade Deficit it is the scenario when there is negative balance of
trade, i.e. imports exceed exports.
578.Trade Finance - The science which explains the management of
money, banking, credit, investments and assets for purpose of
international trade transactions.
579.Trade Sanction it is a trade fine which is imposed by one nation
on one or more other nations.
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580.Trade Secret any of the confidential business information which
helps the company to have a competitive edge is considered a trade
secret.
581.Trade War A trade war refers to two or more states raising orcreating tariffs or other trade barriers on each other in retaliation for other
trade barriers. Increased protection causes both nations' output compositionsto move towards their autarky position.582.Trademark it is a symbol, word, phrase, logo, or some
combination of these which legally distinguishes product of one
company from any others company`s product.
583.Trading Account it is an account which is parallel to a
traditional bank account, in term of holding cash and securities, and is
managed by an investment dealer.
584.
Trading Assets it is a set of securities which are held by a firm
that are they are held with the main motive of reselling the same for a
profit.
585.Trading Book it is the portfolio of financial instruments that is