Business terms starting with R

202 terms

"Repos" (Repurchase Agreements) An agreement to purchase securities from an entity for a specified amount of cash and to resell the securities to the entity at an agreed upon price and…
R-squared R-squared is a statistical measurement that determines the proportion of a security's return, or the return on a specific portfolio of securities, that…
Radon A toxic gas found in the soil beneath a house that can contribute to cancer and other illnesses.
Rail A horizontal sash member.
Rally A rally is a significant short-term recovery in the price of a stock or commodity, or of a market in general, after a period of decline or sluggishness.
Random walk theory The random walk theory holds that it is futile to try to predict changes in stock prices.
Ranking Ranking is a method of assigning a value to an investment in relation to comparable investments by using a scale.
Rate Cap The limit on the amount an interest rate on an ARM can increase or decrease during an adjustment period.
Rate Lock The period of time that a mortgage company will guarantee a loan's interest rate, usually 30 or 60 days.
Rate of return Rate of return is income you collect on an investment expressed as a percentage of the investment's purchase price.
Rate Spread The price data take the form of a "rate spread." Lenders must report the spread (difference) between the annual percentage rate (APR) on a loan and the…
Ratified Sales Contract A contract that shows both you and the seller of the house have agreed to your offer.
Rating Rating means evaluating a company, security, or investment product to determine how well it meets a specific set of objective criteria.
Rating service A rating service, such as A.M. Best, Moody's Investors Service, or Standard & Poor's, evaluates bond issuers to determine the level of risk they pose to…
Ratio Denotes the relationship of items within and between comparisons of balance sheet items with profit-and-loss items; operating ratios are those derived…
Real Estate Typically includes residential property (e.g., homes, apartment buildings, hotels), commercial property (e.g.
Real Estate Agent An individual who is licensed to negotiate and arrange real estate sales; works for a real estate broker.
real estate fund A mutual fund that owns real estate, often commercial properties.
Real Estate Investment Trust (R.E.I.T.) A real estate trust which sells shares of ownership and must invest in real estate or mortgages.
Real Estate Investment Trust (REIT) Managed diversified portfolios of real estate and mortgages. REITs are usually publicly traded like mutual funds and qualify as excepted investment funds…
Real Estate Mortgage Investment Conduit (REMIC) A security representing an interest in a trust having multiple classes of securities.
Real Estate Professional An individual who provides services in buying and selling homes. The real estate professional is paid a percentage of the home sale price by the seller.
Real Estate Property Tax Deduction A tax deductible expense reducing a taxpayer's taxable income.
Real Estate Settlement Procedures Act (RESPA) Federal law that, among other things, requires lenders to provide "good faith" estimates of settlement costs and make other disclosures regarding the…
Real estate tax Same or similar to "property tax." See also "property tax."
Real interest rate Your real interest rate is the interest rate you earn on an investment minus the rate of inflation. For example, if you're earning 6.
Real property A dwelling or home is often referred to as real property.
Real property tax A real property tax is a local tax on the value of real estate. The property may be assessed at full value, which is presumably the price that the owner…
Real rate of return You find the real rate of return on an investment by subtracting the rate of inflation from the nominal, or named, rate of return.
real return Real Return is the net return of an investment, adjusted for inflation during the time you have held that investment but prior to tax considerations.
Real Time When an event is reported as it happens - such as a quick jump in a stock's price or the constantly changing numbers on a market index - you are getting…
realized and unrealized gain/loss The results of securities transactions are usually categorized into either realized gains or losses upon the sale of security.
realized earnings Realized Earnings is investment income as earned by a fund and considered part of you income.
Realized gain When you sell an investment for more than you paid, you have a realized gain. For example, if you buy a stock for $20 a share and sell it for $35 a share…
Realized Gain (Loss) A gain (loss) that has occurred financially. The difference between the principal amount received and the cost basis after the sale of an asset.
REALTORÂ® A real estate agent or broker who is a member of the NATIONAL ASSOCIATION OF REALTORS, and its local and state associations.
Reasonable cause Reasonable cause to conduct an investigation is based upon employer coverage (certified LCA) and an allegation of a violation occurring within the 12…
Reasons for Denial These fields identify why an application was denied. As many as three reasons may be reported.
Recapture When you recapture assets, you regain them, usually because of the provisions of a contract or legal precedent.
Recession In general usage, the word recession connotes a marked slippage in economic activity.
Recharacterization When you have converted one type of individual retirement account (IRA) to another type - such as a traditional IRA to a Roth IRA - and then convert it…
Reclassification An adjustment made to the input-output (I-O) accounts when there are two or more industries whose primary activity is the production of similar…
Reconciliation The process of analyzing two related records and, if differences exist between them, finding the cause and bringing the two records into agreement.
Record date To be paid a stock dividend, you must own the stock on the day that the corporation's board of directors names as the record date, also known as the date…
Record of Decision (ROD) The Record of Decision (ROD) is a public document that explains which cleanup alternatives will be used to clean up a Superfund site.
Recorder The public official who keeps records of transactions that affect real property in the area. Sometimes known as a "Registrar of Deeds" or "County Clerk."
Recording The filing of a lien or other legal documents in the appropriate public record.
Recording Fees Charged by the Registry of Deeds for the filing of documents or details of a legal document to make them a matter of public record.
Recruitment Recruitment is the process to attract the attention of individual(s) who may apply for employment.
Recusal Is an ethics agreement in which an employee disqualifies himself from acting in official matters involving entities that present a financial conflict of…
Red Cross Scheme This is a scheme that uses a charitable entity to disguise a transfer of funds offshore. For example, $1,000,000 is donated to a charitable organization.
Red herring When a security is offered to the public for the first time, the underwriter prepares a preliminary prospectus, called a red herring.
Redefinition An adjustment made to the input-output (I-O) accounts when a secondary product is assumed to have very different inputs than the other products of the…
Redemption A redemption is the right given to a security holder to sell, at anytime, some or all of his/her units back to the fund for cash.
Redemption fee Some open-end mutual funds impose a redemption fee when you sell shares in the fund, often during a specific, and sometimes brief, period of time after…
Redlining The alleged practice of certain lending institutions of not making mortgage, home improvement, and small business loans in certain neighborhoods-usually…
Refinance The repayment of a debt from the proceeds of a new loan using the same property as security.
Refinancing A way of obtaining a better interest rate, lower monthly payments, or borrow cash on the equity in a property that has built up on a loan.
Refund An amount paid back because of an overpayment or because of the return of an item previously sold.
refundable credit When the amount of a credit is greater than the tax owed, taxpayers can receive a "refund" for some of the unused credit.
Regional exchange Stock exchanges in cities other than New York are called regional exchanges. They list both regional stocks, which may or may not be listed on the New…
Registered bond When a bond is registered, the name of the owner and the particulars of the bond are recorded by the issuer or the issuer's agent.
Registered investment adviser (RIA) Investment advisers who register with the Securities and Exchange Commission (SEC) and agree to be regulated by SEC rules are known as registered…
Registered representative An investment salesperson or broker who is licensed by the SEC (Securities and Exchange Commission) and by the NYSE (New York Stock Exchange).
registration by coordination A state procedure for registering securities for which a registration statement has been filed with the Securities and Exchange Commission (the "SEC")…
registration by qualification A state procedure for registering securities for which a registration statement has not been filed with the SEC.
Regressive tax A regressive or flat income tax system taxes everyone at the same rate, as sales tax does.
Regular Program The final phase of a community's participation in the National Flood Insurance Program.
Regular Program Community A community wherein a Flood Insurance Rate Map is in effect and full limits of coverage are available under the Flood Disaster Protection Act (FDPA or…
regulation a Regulation A is an exemption from federal securities registration. Regulation A permits an issuer to raise a limited dollar amount in an offering of…
Regulation D Regulation D is an exemption from federal securities registration for private placements of securities.
Regulation T Regulation T is the Federal Reserve Board rule that governs how much you can borrow through your margin account to cover the purchase price of a security.
Regulation Z Under Regulation Z, a Federal Reserve Board rule covering provisions of the Consumer Credit Protection Act of 1968, lenders have to tell you certain terms…
Rehabilitation Any repair work that requires a permit.
Rehabilitation Mortgage A mortgage loan made to cover the costs of repairing, improving, and sometimes acquiring an existing property.
Rehypothecation Rehypothecation occurs when your broker, to whom you have hypothecated - or pledged - securities as collateral for a margin loan, pledges those same…
Reinstatement The process by which a life insurance company puts a policy back in force after it lapsed because of nonpayment of renewal premiums.
Reinstatement Period A phase of the foreclosure process where the homeowner has an opportunity to stop the foreclosure by paying money that is owed to the lender.
Reinvested earnings See Reinvested earnings (direct investment)
Reinvested earnings (direct investment) A parent company's claim on the current-period undistributed after-tax earnings of its affiliates. Related terms: Direct investment capital flows.
Reinvestment Using dividends, interest, and/or capital gains distributions generated by a mutual fund investment to purchase additional shares, rather than receiving…
Reinvestment risk Reinvestment risk occurs when you have money from a maturing fixed-income investment, such as a certificate of deposit (CD) or a bond, and want to make a…
Relative An individual who is related to the filer or reporting individual, as father, mother, son, daughter, brother, sister, uncle, aunt, great uncle, great…
Release of Lien To free a piece of real estate from a mortgage.
Relief Carved or molded ornament that projects from a flat surface.
Remaining Balance The amount of principal that has not yet been repaid.
Remaining Term The original number of payments due on the loan minus the number of payments that have been applied.
Remedial Design/Remedial Action (RD/RA) Remedial Design (RD) is the phase in Superfund site cleanup where the technical specifications for cleanup remedies and technologies are designed.
Remedial Investigation/Feasibility Study (RI/FS) After a site is listed on the NPL, a remedial investigation/feasibility study (RI/FS) is performed at the site.
Remittance Transfers Federal law defines “remittance transfers” to include certain electronic money transfers from consumers in the United States to recipients abroad…
Renewable term A renewable term life insurance policy allows you to extend your coverage for an additional period without having to requalify for coverage, provided that…
Renewable Term Insurance Term insurance providing the right to renew at the end of the term for another term or terms, without evidence of insurability.
Renewal A form of extending an unpaid loan in which the borrower's remaining unpaid loan balance is carried over (renewed) into a new loan at the beginning of the…
Rental income of persons See Rental income of persons with capital consumption adjustment
Rental income of persons with capital consumption adjustment Earnings from the rental of real property by persons who are not primarily engaged in the real estate business.
Rental Reimbursement Coverage This coverage pays - up to a defined amount - your expenses to rent a vehicle if you have a loss covered under comprehensive or collision benefits.
Rental Reimbursement/Transportation Expenses An optional policy benefit that pays the rental fee (usually $15 to $20 per day) if you must rent a vehicle for a reasonable time while your vehicle is…
Renters insurance A form of insurance that covers a policyholder’s belongings against perils. It also provides personal liability coverage and additional living expenses.
Repair Any work done on any window to correct any deterioration or decay of or damage to a window or any part thereof and to restore same, as closely as may be…
Repayment Plan a process where a homeowner promises to pay down past due amounts on a mortgage while continuing to make regular monthly payments on a property