| Lord's Prayer |
The Lord's Prayer, also called the Our Father, is a central Christian prayer which, according to the New Testament, Jesus taught as the way to pray:\n\nPray then in this way ...\nWhen you pray, say ... |
| Fear, uncertainty, and doubt |
Fear, uncertainty, and doubt (often shortened to FUD) is a propaganda tactic used in sales, marketing, public relations, politics, polling and cults. FUD is generally a strategy to influence perception by disseminating negative and dubious or false information and a manifestation of the appeal to fear. |
| Uncertainty avoidance |
In cross-cultural psychology, uncertainty avoidance is how cultures differ on the amount of tolerance they have of unpredictability. Uncertainty avoidance is one of five key qualities or dimensions measured by the researchers who developed the Hofstede model of cultural dimensions to quantify cultural differences across international lines and better understand why some ideas and business practices work better in some countries than in others. |
| Profitability index |
Profitability index (PI), also known as profit investment ratio (PIR) and value investment ratio (VIR), is the ratio of payoff to investment of a proposed project. It is a useful tool for ranking projects because it allows you to quantify the amount of value created per unit of investment. |
| Customer Profitability Analysis |
Customer Profitability Analysis (in short CPA) is a management accounting and a credit underwriting method, allowing businesses and lenders to determine the profitability of each customer or segments of customers, by attributing profits and costs to each customer separately. CPA can be applied at the individual customer level (more time consuming, but providing a better understanding of business situation) or at the level of customer aggregates / groups (e.g. |
| Runaway (dependent) |
A runaway is a minor or (depending upon the local jurisdiction) a person under a specified age, who has left their parents or legal guardians without permission. Statistics show that females are more likely to run away than males. |
| Income tax in the United States |
Income taxes in the United States are imposed by the federal government, and most states. The income taxes are determined by applying a tax rate, which may increase as income increases, to taxable income, which is the total income less allowable deductions. |
| Credit card |
A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services based on the cardholder's accrued debt (i.e., promise to the card issuer to pay them for the amounts plus the other agreed charges). The card issuer (usually a bank or credit union) creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance. |
| Fractional-reserve banking |
Fractional-reserve banking is the system of banking operating in almost all countries worldwide, under which banks that take deposits from the public are required to hold a proportion of their deposit liabilities in liquid assets as a reserve, and are at liberty to lend the remainder to borrowers. Bank reserves are held as cash in the bank or as balances in the bank's account at the central bank. |
| Contract for difference |
In finance, a contract for difference (CFD) is a legally binding agreement between two parties, typically described as "buyer" and "seller", stipulating that the buyer will pay to the seller the difference between the current value of an asset and its value at contract time. If the closing trade price is higher than the opening price, then the seller will pay the buyer the difference, and that will be the buyer’s profit. |
| Cov-lite |
Cov-lite (or "covenant light") is financial jargon for loan agreements that do not contain the usual protective covenants for the benefit of the lending party. Although traditionally banks have insisted on a wide range of covenants that allow them to intervene if the financial position of the borrower or the value of underlying assets deteriorates, around 2006 the increasing strength of private equity firms and the decreasing opportunities for traditional corporate loans made by banks fueled something of a "race to the bottom", with syndicates of banks competing with each other to offer ever less invasive terms to borrowers in relation to leveraged buy-outs. |
| Barcode |
A barcode or bar code is a method of representing data in a visual, machine-readable form. Initially, barcodes represented data by varying the widths, spacings and sizes of parallel lines. |
| Limited liability company |
A limited liability company (LLC) is the US-specific form of a private limited company. It is a business structure that can combine the pass-through taxation of a partnership or sole proprietorship with the limited liability of a corporation. |
| Federal funds rate |
In the United States, the federal funds rate is the interest rate at which depository institutions (banks and credit unions) lend reserve balances to other depository institutions overnight on an uncollateralized basis. Reserve balances are amounts held at the Federal Reserve to maintain depository institutions' reserve requirements. |
| Good Environmental Status |
Good Environmental Status is a qualitative description of the state of the seas that the European Union's Marine Strategy Framework Directive requires its Member States to achieve or maintain by the year 2020. \nGood Environmental Status is described by 11 Descriptors:\n\nDescriptor 1. |
| Floating interest rate |
A floating interest rate, also known as a variable or adjustable rate, refers to any type of debt instrument, such as a loan, bond, mortgage, or credit, that does not have a fixed rate of interest over the life of the instrument.Floating interest rates typically change based on a reference rate (a benchmark of any financial factor, such as the Consumer Price Index). One of the most common reference rates to use as the basis for applying floating interest rates is the London Inter-bank Offered Rate, or LIBOR (the rates at which large banks lend to each other).The rate for such debt will usually be referred to as a spread or margin over the base rate: for example, a five-year loan may be priced at the six-month LIBOR + 2.50%. |
| Student loan |
A student loan is a type of loan designed to help students pay for post-secondary education and the associated fees, such as tuition, books and supplies, and living expenses. It may differ from other types of loans in the fact that the interest rate may be substantially lower and the repayment schedule may be deferred while the student is still in school. |
| Addition Elle |
Addition Elle was a Canadian clothing store chain that sold plus-size clothing. It was established in Montreal and sold to Reitmans in 2001. |
| EU Allowance |
EU Allowances (EUA) are climate credits (or carbon credits) used in the European Union Emissions Trading Scheme (EU ETS). EU Allowances are issued by the EU Member States into Member State Registry accounts. |
| Latin Extended Additional |
Latin Extended Additional is a Unicode block.\nThe characters in this block are mostly precomposed combinations of Latin letters with one or more general diacritical marks. |
| Composition of the German state parliaments |
Germany's federal system comprises 16 state parliaments (the German terms are: Landtag in large states, Bürgerschaft in Bremen and Hamburg, Abgeordnetenhaus in Berlin), each including directly elected representatives.\n\n\n== Parties in each parliament ==\n\nIn the table below, the parties with shading form part of the state government whilst the parties in bold are the largest party in that legislature. |
| Management by objectives |
Management by objectives (MBO), also known as management by planning (MBP), was first popularized by Peter Drucker in his 1954 book The Practice of Management. Management by objectives is the process of defining specific objectives within an organization that management can convey to organization members, then deciding how to achieve each objective in sequence. |
| List of regulators in India |
A list of regulators in India.Regulatory agencies exercise regulatory or supervisory authority over a variety of activities and endeavors in India.\n\n\n== List ==\n\n\n=== 1. === |
| Housing Development Finance Corporation |
Housing Development Finance Corporation Limited (HDFC) is an Indian financial services company based in Mumbai. It is a major housing finance provider in India. |
| FHA insured loan |
An FHA insured loan is a US Federal Housing Administration mortgage insurance backed mortgage loan that is provided by an FHA-approved lender. FHA mortgage insurance protects lenders against losses. |
| Mapletree Investments |
Mapletree Investments Pte Ltd is a real estate development, investment, capital and property management company headquartered in Singapore. The Group currently manages four Singapore-listed real estate investment trusts (REITs) and seven private equity real estate funds, which comprise a diverse portfolio of assets in Asia Pacific, Europe, the United Kingdom (UK) and the United States (US). |
| Federal Deposit Insurance Corporation Improvement Act of 1991 |
The Federal Deposit Insurance Corporation Improvement Act of 1991 (FDICIA, Pub.L. 102–242), passed during the savings and loan crisis in the United States, strengthened the power of the Federal Deposit Insurance Corporation.\nIt allowed the FDIC to borrow directly from the Treasury department and mandated that the FDIC resolve failed banks using the least costly method available. |
| Recently (EP) |
Recently is an EP by the Dave Matthews Band, released in 1994. All songs are live recordings. |
| Tritiated water |
Tritiated water is a radioactive form of water in which the usual protium atoms are replaced with tritium. In its pure form it may be called tritium oxide (T2O or 3H2O) or super-heavy water. |
| Soreption |
Soreption is a technical death metal band from Sundsvall, Västernorrlands län, Sweden. Formed in 2005, they are best known for their fast melodies and sharp,\ngroovy riffs. |
| Richard Lynn |
Richard Lynn (born 20 February 1930, Hampstead) is a controversial English psychologist and author. He is a former professor emeritus of psychology at Ulster University, having had the title withdrawn by the university in 2018. |
| Bitwise operation |
In computer programming, a bitwise operation operates on a bit string, a bit array or a binary numeral (considered as a bit string) at the level of its individual bits. It is a fast and simple action, basic to the higher-level arithmetic operations and directly supported by the processor. |
| Non-compete clause |
In contract law, a non-compete clause (often NCC), restrictive covenant, or covenant not to compete (CNC), is a clause under which one party (usually an employee) agrees not to enter into or start a similar profession or trade in competition against another party (usually the employer). Some courts refer to these as "restrictive covenants". |
| Federal Farm Loan Act |
The Federal Farm Loan Act of 1916 (Pub.L. 64–158, 39 Stat. 360, enacted July 17, 1916) was a United States federal law aimed at increasing credit to rural family farmers. |
| Financial institution |
Financial institutions, sometimes called banking institutions, are business entities that provide services as intermediaries for different types of financial monetary transactions. Broadly speaking, there are three major types of financial institutions:\nDepository institutions – deposit-taking institutions that accept and manage deposits and make loans, including banks, building societies, credit unions, trust companies, and mortgage loan companies;\nContractual institutions – insurance companies and pension funds\nInvestment institutions – investment banks, underwriters, and other different types of financial entities managing investments.Financial institutions can be distinguished broadly into two categories according to ownership structure:\n\nCommercial banks\nCooperative banksSome experts see a trend toward homogenisation of financial institutions, meaning a tendency to invest in similar areas and have similar business strategies. |
| Non-bank financial institution |
A non-banking financial institution (NBFI) or non-bank financial company (NBFC) is a financial institution that does not have a full banking license or is not supervised by a national or international banking regulatory agency. NBFC facilitate bank-related financial services, such as investment, risk pooling, contractual savings, and market brokering. |