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A federal agency, which guarantees loans made to veterans; similar to mortgage insurance, a loan guarantee protects lenders against loss that may result from a borrower default.
- Browse Related Terms: Certificate of Eligibility, certificate of reasonable value (CRV), Conventional loan, Conventional Mortgage, Government Mortgage, VA (Department of Veterans Affairs), VA (Veterans Affairs, U.S. Department of), VA Guaranteed Loan, VA loan, VA Mortgage, VA mortgage loan
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A mortgage loan that is guaranteed by the U.S. Department of Veterans Affairs (VA).
- Browse Related Terms: Certificate of Eligibility, certificate of reasonable value (CRV), Conventional loan, Conventional Mortgage, Government Mortgage, VA (Department of Veterans Affairs), VA (Veterans Affairs, U.S. Department of), VA Guaranteed Loan, VA loan, VA Mortgage, VA mortgage loan
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See: Veterans Administration.
- Browse Related Terms: Certificate of Eligibility, certificate of reasonable value (CRV), Conventional loan, Conventional Mortgage, Government Mortgage, VA (Department of Veterans Affairs), VA (Veterans Affairs, U.S. Department of), VA Guaranteed Loan, VA loan, VA Mortgage, VA mortgage loan
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A mortgage guaranteed by the Department of Veterans Affairs (VA).
- Browse Related Terms: Certificate of Eligibility, certificate of reasonable value (CRV), Conventional loan, Conventional Mortgage, Government Mortgage, VA (Department of Veterans Affairs), VA (Veterans Affairs, U.S. Department of), VA Guaranteed Loan, VA loan, VA Mortgage, VA mortgage loan
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A form of mortgage insurance. Housing loans to veterans by banks, savings and loans, or other lenders are guaranteed by the U.S. Department of Veterans Affairs (formerly the Veterans Administration). This enables a veteran to buy a principal residence with little or no down payment.
- Browse Related Terms: Certificate of Eligibility, certificate of reasonable value (CRV), Conventional loan, Conventional Mortgage, Government Mortgage, VA (Department of Veterans Affairs), VA (Veterans Affairs, U.S. Department of), VA Guaranteed Loan, VA loan, VA Mortgage, VA mortgage loan
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A federal government agency that provides benefits to veterans and their dependents, including health care, educational assistance, financial assistance, and guaranteed home loans.
- Browse Related Terms: Certificate of Eligibility, certificate of reasonable value (CRV), Conventional loan, Conventional Mortgage, Government Mortgage, VA (Department of Veterans Affairs), VA (Veterans Affairs, U.S. Department of), VA Guaranteed Loan, VA loan, VA Mortgage, VA mortgage loan
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The specified data are reported incorrectly and must be corrected. The most common example is incorrect census tracts. The letter 'V' precedes the error numbers.
- Browse Related Terms: Activity Year, Census Tract, County Code, Geocode, Metropolitan Division (MD), Metropolitan Statistical Area (MSA), Metropolitan Statistical Area (MSA) / Metropolitan Division (MD), Quality Edits, State Code, Syntactical Edits, Validity Edits
A labor condition application which has been certified by OFLC shall be valid for the period of employment indicated on Form ETA 9035 by the authorized DOL official; however, in no event shall the validity period of a labor condition application begin before the application is certified or exceed three years. Where the labor condition application contains multiple periods of intended employment, the validity period shall extend to the latest date indicated or three years, whichever comes first.
- Browse Related Terms: Aggrieved party, Attestation, Authorized agent and authorized representative, Credible source, Interested party, Legitimate source of wage information, Super penalty, Validity of certified labor condition applications, Willful, Withdrawal of certified labor condition applications
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Valuation is the process of estimating the value, or worth, of an asset or investment.
Sometimes it means determining a fixed amount, such as establishing the value of your estate after your death. Other times, valuation means estimating future worth.
For example, fundamental stock analysts estimate the outlook for a company's stock by looking at data such as the stock's price-to-earnings (P/E), price-to-sales, and price-to-book, or net asset value, ratios.
In general, a company with a high P/E is considered overvalued, and a company with a low P/E is considered undervalued.
- Browse Related Terms: Alpha, Book value, Dividend yield, Earnings estimate, Earnings momentum, Earnings surprise, Forward price-to-earnings ratio, Multiple, Outstanding shares, Price-to-book ratio, Price-to-earnings ratio (P/E), Price-to-sales ratio, Quarter, risk ratio, Special situation, Undervaluation, valuation, Value stock, Whisper number, Zacks Investment Research
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In determining the monetary equivalent for assets and gifts, value is a good faith estimate of the fair market value if the exact value is neither known nor easily obtainable by the reporting individual without undue hardship or expense. In the case of any interest in property, see the alternative valuation options in 5 C.F.R. 2634.301(e). For gifts and reimbursements, see 5 C.F.R. § 2634.304(e) & 5 CFR 2634.904(g)(4).
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The gross output of an industry or a sector less its intermediate inputs; the contribution of an industry or sector to gross domestic product (GDP). Value added by industry can also be measured as the sum of compensation of employees, taxes on production and imports less subsidies, and gross operating surplus.
- Browse Related Terms: Balance on goods and services, GDI, GDP, GDP by state, GDP price index, GDP-by-industry accounts, Gross domestic income, Gross domestic income (GDI), Gross domestic product, Gross domestic product (GDP) by state, Gross domestic product price index, Gross domestic product-by-industry accounts, Gross national product (GNP), Gross state product, Implicit price deflator (IPD), NDP, Net domestic product, Net domestic product (NDP), Net gross receipts, NGR, Statistical discrepancy, Value added
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When a mutual fund manager buys primarily undervalued stocks for the fund's portfolio with the expectation that these stocks will increase in price, that fund is described as a value fund.
A value fund may be limited to stocks of a certain size, such as those included in a small-cap value fund, or it may include undervalued stocks with different levels of capitalization.
- Browse Related Terms: Contrarian, equity fund, Global fund, Growth and income fund, income fund, International fund, Investment objective, Portfolio turnover, Prospectus, Real estate investment trust (REIT), Tax-efficient funds, Transparency, Turnover ratio, Value fund, Vulture fund, World fund
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Value Line, an independent investment research service, tracks the performance of approximately 1,700 common stocks in its composite index. The index, which is equally weighted, is considered a reliable indicator of overall market trends.
- Browse Related Terms: Average, Breakout, Dogs of the Dow, Dow Jones 65 Composite Average, Dow Jones Industrial Average (DJIA), Dow Jones Transportation Average, Dow Jones Utility Average, Dow theory, Efficient market theory, Logarithmic scale, NASDAQ Composite Index, New York Stock Exchange Composite Index, Qubes, Value Line Composite Index, volume, Weighted stock index
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Value Line is an investment research company that provides detailed analysis on a range of stocks, mutual funds, and convertible investments.
Their publications include The Value Line Investment Survey and The Value Line Mutual Fund Survey, which contain regularly updated rankings of specific investments that the company covers.
The company uses a dual ranking system in its evaluations. For example, Value Line ranks stocks for their safety and timeliness, and mutual funds both for their overall performance and for their risk-adjusted performance.
- Browse Related Terms: American Association of Individual Investors (AAII), Excepted Investment Fund (EIF), Investment Club, Lipper, Inc, Morningstar, Inc., Separate account, Separate account fund, Subaccount, Underlying Assets, Value Line, Inc., Widely Diversified
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Value stocks, also known as undervalued stocks, trade at a lower price than the company's reputation, earnings outlook, or financial situation would seem to merit.
Investors who seek them out expect the company's fortunes to turn around, and the price of the stock to increase accordingly.
- Browse Related Terms: Alpha, Book value, Dividend yield, Earnings estimate, Earnings momentum, Earnings surprise, Forward price-to-earnings ratio, Multiple, Outstanding shares, Price-to-book ratio, Price-to-earnings ratio (P/E), Price-to-sales ratio, Quarter, risk ratio, Special situation, Undervaluation, valuation, Value stock, Whisper number, Zacks Investment Research
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A variable annuity is an insurance company product designed to allow you to accumulate retirement savings.
When you purchase a variable annuity, either with a lump sum or over time, you allocate the premiums you pay among the various separate account funds offered in your annuity contract.
The tax-deferred return on your variable annuity fluctuates with the performance of the underlying investments in your separate account funds, sometimes called investment portfolios or subaccounts.
You may purchase qualified variable annuities, which are offered as options within an employer sponsored retirement savings plan, or nonqualified variable annuities. Nonqualified annuities are those you purchase on your own, often to supplement other retirement savings.
You can also choose an individual retirement annuity, which resembles an individual retirement account except that the underlying investments are separate account funds.
Among the appeals of both qualified and nonqualified variable annuities is the promise of a stream of income for life if you annuitize the assets in your account and the right to make tax-exempt transfers among separate account funds.
If you purchase a nonqualified annuity, there are no federal limits on the annual amounts you can invest, no requirement that you purchase the annuity with earned income, and no minimum required withdrawals beginning at 70 1/2.
However, with both types of variable annuities, withdrawals before you reach age 59 1/2 may be subject to a 10% early withdrawal tax penalty.
- Browse Related Terms: Account balance, Accumulation period, Accumulation unit, Annuitant, Annuitization, Annuitize, Annuity, Annuity principal, Deferred annuity, Fixed annuity, Hybrid annuity, Immediate annuity, Income annuity, Life expectancy, Lump-Sum Distribution, Minimum required distribution (MRD), Nonqualified annuity, Split-funded annuity, Systematic withdrawal, Variable annuity, Withdrawal
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Costs or payments that may vary from month to month, for example, gasoline or food.
- Browse Related Terms: "A" Loan or "A" Paper, "B" Loan or "B" Paper, "C" Loan or "C" Paper, Fixed Expenses, mortgage interest, Serious Delinquency, Sub-Prime Loan, Variable Expenses
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An amount of compensation to a lender rate that is allowed to vary over the maturity of a loan. The amount of variation is generally governed by an index.
- Browse Related Terms: Assumable loan, Intermediate Term Mortgage, Maturity Date, Modification, mortgage term, No Cash Out Refinance, Note Rate, Refinancing, Variable interest rate
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Life insurance under which the benefits relate to the value of assets behind the contract at the time the benefit is paid. The assets fluctuate according to the investment experience of funds managed by the life insurance company.
- Browse Related Terms: Accelerated Death Benefits, Accidental Death Benefit, Beneficiary, Cash Value (Cash Surrender Value), Current Assumption Whole Life, Double Indemnity, Face Amount, Living Benefits, Mortality Table, Rider, Variable Life Insurance
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Variable life insurance policies are cash-value policies that allow you to choose how your premium is invested from among a package of alternatives offered by the insurer.
In many variable life policies, the face value of your policy depends on how well the investments you've chosen are performing.
- Browse Related Terms: Annual renewable term insurance, Cash value, Convertible term, Council of Economic Advisors (CEA), Elimination period, Guaranteed renewable policy, Lapse, Level term insurance, Life insurance, Nonforfeiture clause, Own-occupation policy, Paid-up policy, Premium, Renewable term, Term insurance, Variable Life Insurance, Waiver of premium
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A long-term mortgage loan under which the interest rate may be adjusted periodically. Payment levels remain the same but the loan maturity is lengthened or shortened to accommodate the adjustment.
- Browse Related Terms: Adjustable mortgage loan, Adjustment Date, Adjustment Index, Adjustment Interval, consumer handbook on adjustable rate mortgages (C.H.A.R.M.), Conversion Clause, Conversion Option, Convertible ARM, convertible mortgage, Cost of Funds Index (COFI), Fixed-Period Adjustable-Rate Mortgage, index, Inflation Coverage, Initial Interest Rate, Interest Rate Cap, Interest Rate Ceiling, Interest Rate Floor, LIBOR-Index, Margin, Mitigation, Payment Change Date, Prime rate, Treasury Index, Truth in lending, Two Step Mortgage, Variable maturity mortgage, variable rate mortgage (VRM)