Business — page 32 of 36

3,514 terms including subtopics (0 terms filed directly here)

Subtopics

Business terms

  1. Structured product Financial institutions create investment products, known generically as structured products, that trade on a stock exchange and link the return on an…
  2. Structures Products that are usually constructed at the location where they will be used and that typically have long economic lives.
  3. Stub stock When a company has a negative net worth as a result of being bought out or going bankrupt, it may convert some of the bonds it has issued into shares of…
  4. Stucco A coating for exterior walls made from Portland cement, lime, sand, and water.
  5. Student Loan Loans made, insured, or guaranteed under any program authorized by the Higher Education Act. Loan funds are used by the borrower for education purposes.
  6. Sub-Prime Loan "B" Loan or "B" paper with FICO scores from 620 - 659. "C" Loan or "C" Paper with FICO scores typically from 580 to 619.
  7. Subaccount The separate account funds to which you allocate your variable annuity premiums are sometimes called subaccounts.
  8. Subchapter "S" Corporation A private corporation of 35 or fewer stockholders who pay personal income rather than corporate tax on net profits.
  9. subclass Each asset class - stock, bonds, and cash equivalents, for example - is made up of a number of different groups of investments called subclasses.
  10. Subframe A secondary frame set within a masonry opening.
  11. Submit-for-Rate An application for flood insurance on a building for which no risk rate is published in the Flood Insurance Manual.
  12. Submitted The term used to collectively describe those FDM disclosure report Review Statuses that are not Draft.
  13. Submitted Date The original date the filer electronically submitted a financial disclosure report.
  14. Subordinate To place in a rank of lesser importance or to make one claim secondary to another.
  15. Subordinate Financing Any mortgage or other lien with lower priority than the first mortgage.
  16. Subordinated debt Subordinated debt generally refers to debt securities that have a secondary or lesser claim to the issuer's assets than more senior debt, should the…
  17. Subprime “Prime” and “Subprime” refers to the interest rate and terms of the loan based on the borrower’s credit history.
  18. Subprime Mortgages A classification of mortgages with a higher perceived risk of default than prime and Alt-A loans.
  19. Subrogation The process of recovering the amount of claims damages paid out to a policyholder from the legally liable party.
  20. Subscription price The subscription price is the discounted price at which a current shareholder can buy additional shares of company stock before these newly available…
  21. Subscription right If a corporation's charter has a preemptive rights clause, before the company offers a new issue of securities to the public, it must offer existing…
  22. Subsidies The monetary grants paid by government agencies to private business or to government enterprises at another level of government.
  23. Subsidy See Subsidies
  24. Substitute check A substitute check is a paper copy of the front and back of the original check.
  25. Substitute Check or Share Draft A substitute check is a paper copy of the front and back of the original check.
  26. Sugaring A term describing the deterioration of stone caused by the breaking up or dissolving of the stone surface.
  27. Suitability rules Self regulatory organizations (SROs), such as NASD, securities exchanges, and individual brokerage firms require that stockbrokers ensure that the…
  28. Super penalty Super penalty is a civil money penalty (CMP) not to exceed $35,000 accompanied by debarment not to exceed three years as a result of any H-1B employer…
  29. Superfund Amendments and Reauthorization Act (SARA) (SARA) The Superfund Amendments and Reauthorization Act (SARA) amended the Comprehensive Environmental Response, Compensation, and Liability Act (CERCLA) on…
  30. Superfund Chemical Data Matrix (SCDM) (SCDM) The Superfund Chemical Data Matrix (SCDM) is a source for factor values and benchmark values applied when evaluating potential National Priorities List…
  31. Superfund Enhanced State and Tribal Role Initiative (STROLE) (STROLE) The purpose of the Superfund Enhanced State and Tribal Role Initiative (STROLE) is to develop a comprehensive plan that EPA can implement to share…
  32. Superfund Job Training Initiative (SUPERJTI) (SUPERJTI) The Superfund Job Training Initiative's (SuperJTI) mission is to provide or support job training opportunities for economically disadvantaged citizens…
  33. Supervised Lender A person authorized to make or take assignments of most consumer loans and residential mortgages, either under a license issued by the Administrator…
  34. Supervised Loans Consumer loans, including loans made with open-end credit, in which the finance charge is greater than 12.
  35. Supplements to wages and salaries Consists of employer contributions for employee pension and insurance funds and employer contributions for government social insurance.
  36. support For dependency test purposes, support includes food, clothing, shelter, education, medical and dental care, recreation, and transportation.
  37. Surcharge An extra charge applied to the premium by an insurance company, usually applied as a result of at-fault accidents or moving violations.
  38. Surplus lines Coverage from out-of-state companies not licensed in Texas but legally eligible to sell insurance on a "surplus lines" basis.
  39. Surrender fee A surrender fee is the penalty you owe if you withdraw money from an annuity or mutual fund within a certain time period after purchase.
  40. Surround The ornamental frame of a door or window.
  41. Survey A precise measurement of a property by a licensed surveyor, showing legal boundaries of a property and the dimensions and location of improvements.
  42. Survivorship life Survivorship life insurance, also known as a second-to-die policy, is permanent insurance that covers the lives of two people and pays the death benefit…
  43. Suspended trading Suspended trading means that an exchange has temporarily stopped trading in a particular stock or other security.
  44. Suspension The temporary disqualification of a firm or individual from contracting with the government or participating in government programs, pending the outcome…
  45. Swag A carved ornament in the form of a draped cloth or a festoon of fruit or flowers.
  46. Swap When you swap or exchange securities, you sell one security and buy a comparable one almost simultaneously.
  47. Sweat Equity A borrower's contribution to the down payment for the purchase of a property in the form of labor or services rather than cash.
  48. Sweep account A brokerage firm or bank may automatically transfer - or sweep - a client's uninvested or surplus funds into a designated account.
  49. Syndicate When a group of investment banks works together to underwrite and distribute a new security issue, they are acting as a syndicate.
  50. Syntactical Edits The loan applications will not be loaded to the FFIEC database. If they should be included on the FFIEC database, the data must be corrected.
  51. Synthetic investment A synthetic investment simulates the return of an actual investment, but the return is actually created by using a combination of financial instruments…
  52. Systematic risk Systematic risk, also called market risk, is risk that's characteristic of an entire market, a specific asset class, or a portfolio invested in that asset…
  53. Systematic withdrawal Systematic withdrawal is a method of receiving income in regular installments from your mutual fund accounts, retirement plans, or annuity contracts.
  54. systematic withdrawal plans A withdrawal feature offered by companies whereby unit holders can receive regular payment from their investments.
  55. T-Bill (Treasury Bill) Short-term, highly liquid government securities issued at a discount from the face value and returning the face amount at maturity.
  56. Tailgating When a broker places your order for a security, and then immediately places an order for his or her own account for the same security, the broker is…
  57. Take out loan The permanent (long term) financing of real estate after completion of construction. See "construction loan."
  58. Target date fund A target date fund is a fund of funds that allows you to link your investment portfolio to a particular time horizon, typically your expected retirement…
  59. Target risk fund A target risk fund is a fund of funds that maintains a specific asset allocation in order to provide an essentially level exposure to investment risk.
  60. tariff A tax on products imported from foreign countries.
  61. Tax and insurance escrow An account required by some mortgage lenders to fund annual property tax assessments and hazard insurance premiums for the mortgaged property.
  62. tax avoidance An action taken to lessen tax liability and maximize after-tax income.
  63. Tax Benefit Includes deductions, exclusions from gross income, nonrecognition of gain, tax credits, adjustments (or the absence of adjustments) to the basis of…
  64. Tax bracket A tax bracket is a range of income that is taxed at a specific rate. In the United States there are six brackets, taxed at 10%, 15%, 25%, 28%, 33%, and…
  65. tax code The official body of tax laws and regulations.
  66. Tax Credit A tax credit is an amount you can subtract from the tax you would otherwise owe.
  67. Tax credit, Tax depreciation, Tax relief Tax incentive programs designed to encourage, stimulate, or subsidize the ownership of real estate.
  68. tax cut A reduction in the amount of taxes taken by the government.
  69. tax deduction An amount (often a personal or business expense) that reduces income subject to tax.
  70. tax deed A written document conveying title to property repossessed by the government due to default on tax payments.
  71. Tax deferred A tax-deferred account allows you to postpone income tax that would otherwise be due on employment or investment earnings you hold in the account until…
  72. tax evasion A failure to pay or a deliberate underpayment of taxes.
  73. Tax exempt Some investments are tax exempt, which means you don't have to pay income tax on the earnings they produce.
  74. tax exemption A part of a person's income on which no tax is imposed.
  75. Tax Haven A tax haven is a country, which provides a no-tax or low-tax environment. The U.S. is considered a tax haven by some countries.
  76. tax liability (or total tax bill) The amount of tax that must be paid. Taxpayers meet (or pay) their federal income tax liability through withholding, estimated tax payments, and payments…
  77. tax preparation software Computer software designed to complete tax returns. The tax preparation software works with the IRS electronic filing system.
  78. tax savings The deduction a taxpayer can take on their tax form for interest paid on a home mortgage.
  79. Tax Shelter Is a partnership or other entity, any investment plan or arrangement, or any other plan or arrangement, if a significant purpose of the partnership…
  80. tax shift The process that occurs when a tax that has been levied on one person or group is in fact paid by others.
  81. Tax-efficient funds When a mutual fund minimizes the income earnings and capital gains it distributes to its shareholders, it may be described as a tax-efficient fund.
  82. tax-exempt interest income Interest income that is not subject to income tax. Tax-exempt interest income is earned from bonds issued by states, cities, or counties and the District…
  83. Tax-free exchange A transaction in which a property is traded for the promise to provide a replacement like-kind property in the near future.
  84. taxable interest income Interest income that is subject to income tax. All interest income is taxable unless specifically excluded.
  85. taxes Required payments of money to governments that are used to provide public goods and services for the benefit of the community as a whole.
  86. Taxes and Insurance Funds collected as part of the borrower's monthly payment and held in escrow for the payment of the borrower's state and local property taxes and…
  87. Taxes from the rest of the world Includes some taxes on production and some current transfers. The source data do not permit the reliable separation of the taxes on income.
  88. Taxes on production and imports Consists of Federal excise taxes and customs duties, state and local sales taxes, property taxes (including residential real estate taxes), motor vehicle…
  89. Teacher and Employee Retention Incentive (TERI) Program Active SCRS members eligible for service retirement may participate in the TERI program , which allows an SCRS member to retire and begin accumulating his…
  90. Teaser rate A teaser rate is a low introductory interest rate on a credit card or an adjustable rate mortgage (ARM).
  91. Technical analysis Technical analysts track price movements and trading volumes in various securities to identify patterns in the price behavior of particular stocks, mutual…
  92. Technical Assistance Grants (TAG) (TAG) A Technical Assistance Grant (TAG) provides money for activities that help communities participate in decision-making at eligible Superfund sites.
  93. Technical Assistance to Brownfields Communities (TAB) (TAB) Technical Assistance to Brownfields Communities (TAB) helps communities to clean and redevelop properties that have been damaged or undervalued by…
  94. Technical failures Technical failures are minor violations which do not result in or cause substantive violations of the statute.
  95. Technical Outreach for Communities (TOSC) (TOSC) Technical Outreach for Communities (TOSC) uses educational and technical resources to help community groups understand the technical issues involving the…
  96. Technical Review Workgroup for Lead (TRW) (TRW) The Technical Review Workgroup for Lead (TRW) and the Integrated Exposure Uptake Biokinetic Model for Lead in Children (IEUBK) is an interoffice workgroup…
  97. Technology Innovation Office (TIO) (TIO) The Technology Innovation Office (TIO) of the U.S. Environmental Protection Agency was created in 1990 to act as an advocate for new technologies.
  98. Telemarketing Fraud Unsolicited telephone call from a criminal who tries to trick the consumer into disclosing personal information (bank account number, credit card number…
  99. telephone tax refund Taxpayers are eligible to file for refunds of all excise tax they have paid on long-distance service billed to them after Feb. 28, 2003.
  100. tenancy joint tenancy - equal ownership of property by two or more parties, each with the right of survivorship.