Business — page 10 of 36

Business terms

901. Disability Retirement A retirement annuity under a defined benefit plan for active contributing members of the Retirement Systems who become disabled and whose disability is…
902. disclosure A disclosure document explains how a financial product or offering works. It also details the terms to which you must agree in order to buy it or use it…
903. Disclosures Certain information that Federal and State laws require creditors to give to borrowers relative to the terms of the credit extended.
904. Disclosures (Credit) Certain information that federal and state laws require creditors to give to borrowers relative to the terms of the credit extended.
905. Disclosures (Deposit) Certain information that federal and state laws require depository financial institutions give to depositors relative to the terms of the deposit account.
906. Discount When bonds sell for less than their face value, they are said to be selling at a discount.
907. Discount brokerage firm Discount brokerage firms charge lower commissions than full-service brokerage firms when they execute investors' buy and sell orders but may provide fewer…
908. Discount Point Some lenders require you to prepay a portion of the interest due on your mortgage as a condition of approving the loan.
909. Discount Points Amount paid to the lender by the borrower or seller to decrease or "buy down" the borrower's interest rate.
910. Discount rate The discount rate is the interest rate the Federal Reserve charges on loans it makes to banks and other financial institutions.
911. discretion Prior formal authorization, frequently referred to as "trading authority," that permits a broker to make transactions in a client's account without having…
912. Discretionary account A discretionary account is a type of brokerage account in which clients authorize their brokers to buy and sell securities on their behalf without prior…
913. Disinflation Disinflation is a slowdown in the rate of price increases that historically occurs during a recession, when the supply of goods is greater than the demand…
914. Displacement Displacement is the replacement of a U.S. worker by an H-1B worker in an essentially equivalent job and occurs within the period beginning 90 days before…
915. Displacement inquiry Displacement inquiry is an obligation of H-1B dependent employers and/or willful violators when they desire to place an H-1B (excluding H-1B1 or E-3)…
916. Display Window The large glazed portion of the storefront, and the associated framing, above the bulkhead and below the transom, extending from pier to pier.
917. Disposable personal income Total after-tax income received by persons; it is the income available to persons for spending or saving.
918. Dispute resolution Dispute resolution - sometimes called alternative dispute resolution - refers to methods of resolving conflicts between parties or individuals that…
919. Distribution The sale of securities. Also refers to a sum payable to shareholders representing their share of profits.
920. Diversification The investment in a number of different securities. To reduce the risk of loss inherent in investing.
921. Diversified Mutual Fund This is a mutual fund that does not have a stated policy of concentrating its investments in one industry, business, single country other than the U.S.
922. Dividend See Dividends
923. dividend fund A mutual fund that holds preferred and common stock that generally pay regular dividends.
924. Dividend payout ratio You can calculate a dividend payout ratio by dividing the dividend a company pays per share by the company's earnings per share.
925. Dividend receipts from the rest of the world Receipts received by U.S. residents of dividends from foreign corporations plus earnings distributed by unincorporated foreign affiliates to their U.S.
926. Dividend reinvestment plan (DRIP) Many publicly held companies allow shareholders to reinvest dividends in company stock or buy additional shares through dividend reinvestment plans, or…
927. Dividend yield If you own dividend-paying stocks, you figure the current dividend yield on your investment by dividing the dividend being paid on each share by the…
928. Dividends Payments in cash or other assets, excluding the corporation's own stock, made by corporations located in the United States and abroad to stockholders who…
929. Division Division means the Wage and Hour Division (WHD) of the U.S. Department of Labor.
930. Divorce Decree legal ruling by a court which, among other things, assigns obligations for the payment of various debts.
931. Document Recording After closing on a loan, certain documents are filed and made public record. Discharges for the prior mortgage holder are filed first.
932. Dodd-Frank Wall Street Reform and Consumer Protection Act Signed by President Barack Obama in 2010, the act is intended to promote the financial stability of the United States by improving accountability and…
933. Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (Dodd-Frank Act) Legislation intended to promote the financial stability of the United States by improving accountability and transparency in the financial system, end…
934. Dogs of the Dow If you follow a Dogs of the Dow investment strategy, you buy the ten highest-yielding stocks in the Dow Jones Industrial Average (DJIA) on the first of…
935. Dollar cost averaging A principle of investing where equal dollar amounts are invested in a share or unit at regular intervals in the hope of reducing the average cost by…
936. Domicile Your domicile is your permanent residence, which you demonstrate by using it as your primary home, holding a driver's license using that address, and…
937. Domini Social Index 400 The Domini Social Index 400 is a market capitalization weighted index that tracks the performance of companies that meet a wide range of social and…
938. Doric One of five classical orders, recognizable by its simple capital. The Greek Doric column has a fluted shaft and no base; the Roman Doric column may be…
939. Dormer A vertical structure, usually housing a window, that projects from a sloping roof and is covered by a separate roof structure.
940. Double bottom Double bottom is term that technical analysts use to describe a stock price pattern that, when depicted on a chart, shows two drops to the same dollar…
941. Double deflation Technique for estimating real value added by industry in the gross domestic product (GDP)-by-industry accounts.
942. Double hung A type of window with two sash, each sliding on a vertical track.
943. Double Indemnity (See Accidental Death Benefit.)
944. Double top Double top is term that technical analysts use to describe a stock price pattern that, when depicted on a chart, shows two gains to the same dollar level…
945. Dow Jones 65 Composite Average This composite of three Dow Jones averages tracks the stock performance of 65 companies in two major market sectors and the benchmark DJIA.
946. Dow Jones Industrial Average (DJIA) The Dow Jones Industrial Average (DJIA), sometimes referred to as the Dow, is the best-known and most widely followed market indicator in the world.
947. Dow Jones Transportation Average The Dow Jones Transportation Average tracks the performance of the stocks of 20 airlines, railroads, and trucking companies.
948. Dow Jones Utility Average The Dow Jones Utility Average tracks the performance of the stocks of 15 gas, electric, and power companies, and is one of the components of the Dow Jones…
949. Dow Jones Wilshire 5000 Index The Dow Jones Wilshire 5000 is a market capitalization weighted index of approximately 7,000 stocks.
950. Dow theory Dow theory maintains that major market trends depend on how the Dow Jones Industrial Average (DJIA) and the Dow Jones Transportation Average behave.
951. Down Payment A down payment is the amount, usually stated as a percentage, of the total cost of a property that you pay in cash as part of a real estate transaction.
952. Downtick When a security sells at a lower price than its previous sale price, the drop in value is called a downtick.
953. Draft A signed, written order by which one party (the drawer) instructs another party (the drawee) to pay a specified sum to a third party (the payee), at sight…
954. Drawee The person (or bank) who is expected to pay a check or draft when it is presented for payment.
955. Drawee bank The bank upon which a check is drawn.
956. Drawee Institution The bank or credit union upon which a check or draft is drawn.
957. Drawer The person who writes a check or draft instructing the drawee to pay someone else.
958. Drip molding A projecting molding around the head of a door or window frame, often extended horizontally at right angles to the sides of the frame, intended to channel…
959. drips (dividend reinvestment plan) A plan offered by some companies where the shareholder's dividends are used to purchase additional shares in the company.
960. Due date The due date is the date by which we must receive your payment in order for it to be on time. Your bill lists the due date.
961. Due on Sale Clause A provision in a mortgage that allows the lender to demand repayment in full of the outstanding balance if the property securing the mortgage is sold.
962. due-on-sale A clause in a mortgage or deed of trust allowing a lender to require immediate payment of the balance of the loan if the property is sold (subject to the…
963. Dunnage Supports for air conditioning and other equipment above the roof of a building.
964. Duplex A dwelling divided into two units.
965. Durable goods Tangible products that can be stored or inventoried and that have an average life of at least three years.
966. Duration In simplified terms, a bond's duration measures the effect that each 1% change in interest rates will have on the bond's market value.
967. Dutch auction A Dutch auction opens at the highest price and drops gradually until there's a buyer willing to pay the amount being asked.
968. Dwelling An insured's home.
969. E-3 worker E-3 worker is a temporary, nonimmigrant of Australia in a specialty occupation given status to work for an employer by USCIS via Form I-797, Notice of…
970. Early cessation penalty Early cessation penalty is an amount which (although fixed or stipulated in the contract by the parties) is not a reasonable approximation or estimate of…
971. Early withdrawal If you withdraw assets from a fixed-term investment, such as a certificate of deposit (CD), before it matures, it is considered an early withdrawal.
972. Early Withdrawal Penalty A charge that is given to holders of fixed –term investments if they withdraw their money before maturity.
973. Earnable Compensation A rate of compensation purely for working one’s full normal time, not amounts paid on a cash basis.
974. Earned Income Earned income is contrasted with investment income. It includes wages, salaries, honoraria, commission, professional fees, and other forms of compensation…
975. Earned Income Credit (EIC) (EIC) The earned income tax credit (EIC) reduces the income tax of that certain low-income taxpayers would otherwise owe.
976. Earned premium The portion of a policy premium that has been used to actually buy coverage, or that the insurance company has "earned.
977. Earned Service Paid employment as an employee during which regular contributions are paid to the Retirement Systems.
978. Earnest Money Money given to a seller by a buyer to demonstrate the buyer’s good faith. If the deal falls through, the deposit is usually forfeited.
979. Earnest Money (Deposit) The deposit to show that you're committed to buying the home. The deposit will not be refunded to you after the seller accepts your offer, unless one of…
980. Earnings In the case of an individual, earnings include salary and other compensation for work you do, as well as interest, dividends, and increases in the value…
981. Earnings estimate Professional stock analysts use mathematical models that weigh companies' financial data to predict their future earnings per share on a quarterly…
982. Earnings momentum When a company's earnings per share grow from year to year at an ever-increasing rate, that pattern is described as earnings momentum.
983. Earnings Per Share (EPS) Earnings per share (EPS) is calculated by dividing a company's total earnings by the number of outstanding shares.
984. Earnings surprise When a company's earnings report either exceeds or fails to meet analysts' estimates, it's called an earnings surprise.
985. Earthquake Insurance A type of catastrophic coverage available for an additional premium to repair or replace your property/personal belongings when damaged by an earthquake.
986. Easement A right to the use of, or access to, land owned by another.
987. Easements The legal rights that give someone other than the owner access to use property for a specific purpose.
988. Eave The overhanging edge of a roof.
989. EBITDA Earnings before interest, taxes, depreciation, and amortization are commonly shortened to EBITDA.
990. Economic cycle An economic cycle is a period during which a country's economy moves from strength to weakness and back to strength.
991. Economic development area An area defined by local authorities for govemment-assisted economic programs.
992. Economic indicator Economic indicators are statistical measurements of current business conditions.
993. Economy The way a country manages its money and resources (such as workers and land) to produce, buy, and sell goods and services.
994. Ecotox Thresholds (ET) (ET) Ecotox Thresholds (ET) are defined as media-specific contaminant concentrations above which there is sufficient concern regarding adverse ecological…
995. Education savings account (ESA) You can put up to $2,000 a year into a Coverdell education savings account (ESA) that you establish in the name of a minor child.
996. EEM Energy Efficient Mortgage; an FHA program that helps homebuyers save money on utility bills by enabling them to finance the cost of adding energy…
997. Effective Date The date on which an insurance policy becomes effective.
998. Effective tax rate Your effective tax rate is the rate you actually pay on all of your taxable income.
999. Efficient market When the information that investors need to make investment decisions is widely available, thoroughly analyzed, and regularly used, the result is an…
1000. Efficient market theory Proponents of the efficient market theory believe that a stock's current price accurately reflects what investors know about the stock.