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Friday, March 15, 2019

financial dictionary pdf - financial terminology dictionary - financial dictionary app

financial dictionary pdf - financial terminology dictionary - financial dictionary app


FYI on ROI: A Guide to Calculating Return on Investment

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Return on Investment (ROI) measures how well an investment is performing. In this article, we show you how to calculate ROI and how it can be interpreted.

Muni Bonds vs. Taxable Bonds and CDs

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Here's how to tell if municipal bonds are a better investment than taxable bonds or CDs.

Should I Trade My Retirement Account?

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Trading in a retirement account can be beneficial from a tax perspective, but it could also be detrimental if not done carefully.

Stock and Junk Bond Traders Hesitate Together

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If the S&P 500 and junk bonds manage to break resistance, it will be strong confirmation that the 2019 uptrend still has momentum.

Understanding the Time Value of Money

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Time literally is money—the time value of the money you have now is not the same as it will be years from now and vice versa. It is important to know how to distinguish between and to calculate the present value vs. future value of a sum so that you can get the best use out of your funds.

Understanding CFR vs. CIF

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Cost and freight (CFR) is a trade term that requires the seller to transport goods by sea to a required port. Cost, insurance, and freight (CIF) is what a seller pays to cover the costs, insurance, and freight against the potential damage of loss of a buyer's order.

Understanding Whole vs. Universal Life Insurance

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Whole life insurance caters to long-term goals, offering consumers consistent premiums and guaranteed cash value accumulation. Universal life insurance gives consumers flexibility in the premium payments, death benefits, and the savings element of their policy.

What is the double taxation of dividends?

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After all is said and done, companies that have made a profit can do one of two things with the excess cash. They can (1) take the money and reinvest it to earn even more money, or (2) take the excess funds and divide them among the company's owners, the shareholders, in the form of a dividend.

What is the difference between a blend fund and a balanced fund?

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As both "blend"and "balanced" describe the particular asset mix of mutual funds, determining the exact distinctions between the two can be difficult.Blend funds, which contain only stocks and no fixed-income securities, are a type of equity fund that holds a mix of both growth stock and value stock.

Which credit card fees are tax deductible?

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Learn about some of the unexpected tax deductions for fees incurred through credit card purchases for both individuals and businesses.

What is the best method of calculating depreciation for tax reporting purposes?

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Learn the best method for calculating depreciation for tax reporting purposes according to generally accepted accounting principles, or GAAP.

How Much You Should Have Saved (By Age)

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Knowing how much you should have saved at each stage of your life provides a way to get – and stay – on track for retirement.

What happens if interest rates increase too quickly?

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When interest rates increase too quickly, it can cause a chain reaction that affects the domestic economy as well as the global economy.

Do mutual funds invest only in stocks?

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Discover which types of mutual funds invest in only equities, or stocks, and which mutual funds also include investments in government and corporate bonds.

How Much Cash Should I Keep in the Bank?

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You need to keep the money for your regular bills, your discretionary spending, and your emergency fund in your bank. Learn more here.

What is the difference between passive and active asset management?

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Find out about active asset management, passive asset management, how these strategies are utilized and the differences between the two investment strategies.

Investors: 5 Best and Worst Cities for Airbnb Renting

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When it comes to Airbnb renting, some of the best deals out there are locations that don't boast a huge profile. Here are the 5 best and worst cities.

Do lower interest rates increase investment spending?

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Learn how the Federal Reserve Board uses monetary policy and the federal funds rate to influence long-term interest rates to keep the U.S. economy stable.

3 Simple Steps to Building Wealth

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Getting richer is easier if you take it one step at a time. Here are 3 simple steps to building wealth.

The 10 Biggest Latin American Banks

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Brazil remains a giant in Latin American banking, as it is home to the five largest financial institutions in the region.

How does a Roth IRA grow over time?

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Learn how a Roth IRA grows over time thanks to contributions and the magic of compounding interest; review an example of how interest boosts growth.

The Average Annual Return for a Long Term Investment in the Real Estate Sector

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Average annual returns in long-term real estate investing vary by the area of concentration in the sector, but all generally outperform the S&P 500.

How Much are Taxes on an IRA Withdrawal?

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How much tax you'll pay on IRA withdrawals depends on a variety of factors. Use this guide to plan ahead.

Introduction to SIMPLE 401(k) Plans

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Learn about the features and benefits of the plan that is a cross between a SIMPLE IRA and a traditional 401(k) plan.

3 Tech Stocks Racing Ahead of The FAANGs

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These smaller e-commerce companies are growing successfully in the shadow of online giant Amazon.

I've come into a large amount of money. Should I invest it or pay off my mortgage?

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There is no simple answer to this question as it depends on a number of key factors, namely the aspects or criteria of your mortgage and investments. By illustrating these factors you'll be better armed to make this choice. The question boils down to: Which of these - the investment or the mortgage repayment - takes greater advantage of the money you received?A mortgage payment contains two aspects - the repayment of principal and the interest expense - that is charged by the financial institution holding your mortgage.

Market Wizards: Why Buffett, Shiller Models Are Bearish On Stocks

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Stock market valuation metrics favored by billionaire Warren Buffett and Nobel Laureate economist Robert Shiller are flashing sell signals.

What are some ways to minimize tax liability?

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Learn what tax strategies are available to individuals and business owners that may allow for a reduction in tax liability each year.

Snap Stock Extends Rally After Analyst Upgrade

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Snap shares moved sharply higher during Thursday's session, but traders will be watching these key levels.

Besides a savings account, where is the safest place to keep my money?

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Savings accounts are safe because investors' deposits are guaranteed by the Federal Deposit Insurance Corporation (FDIC) for bank accounts or the National Credit Union Administration (NCUA) for credit union accounts. Deposit insurance covers $250,000 per depositor, per institution, per account ownership category, so most people don't have to worry about losing their deposits if their bank or credit union becomes insolvent.Certificates of deposit (CDs) issued by banks and credit unions also carry deposit insurance.

What are some examples of common fringe benefits?

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Learn how offering fringe benefits can be a strategic recruitment and retention tool for employers and drastically increase total compensation for employees.

General Electric Higher After Cutting 2019 Guidance

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General Electric stock has rallied to a weekly high despite another batch of bad news, signaling a potential bottom.

Turnover ratios and fund quality

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Learn why the turnover ratios are not as important as some investors believe them to be.

What Is the Tax Percentage on Life Insurance?

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Generally, life insurance death benefits that are paid out to a beneficiary in a lump sum are not included as income to the policy's recipient.

Reduce Holdings in Facebook on Heavy News Day

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With service outages and investigations casting a shadow over the social media giant, the stock is unlikely to reach new highs in 2019.

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How Consumer Goods Expert Nelson Peltz Can Help the Cannabis Industry

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The activist investor will serve as strategic adviser to Aurora Cannabis Inc.

Adobe Stock Near 2018 High Ahead of Earnings

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Adobe stock has rallied into resistance less than eight points under the 2018 high and needs a strong quarter to add to gains.

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Overbought or Oversold? Use the Relative Strength Index to Find Out

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Learn how to use the Relative Strength Index (RSI) for analysis and to generate buy and sell signals.

Blue Chip Drug Stocks Face 'Reckoning' on Future Downgrades

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In a recent note, S&P Ratings assigned the pharmaceutical industry a "negative" outlook for 2019.

8 Fast-Growth Stocks That Can Lead as Bull Market Slows

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Stocks with fast-rising revenues are outperforming and set for more gains, per Goldman Sachs. This is the second of two articles on that report.

How To Value Interest Rate Swaps

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An interest rate swap is a contractual agreement between two parties agreeing to exchange cash flows of an underlying asset for a fixed period of time.

Range Bar Charts: A Different View Of The Markets

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While range bars are not a type of technical indicator, traders can employ range bar charts to identify trends and interpret volatility.

Basics of Algorithmic Trading: Concepts and Examples

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Algorithmic trading provides a more systematic approach to active trading than one based on intuition or instinct. Here's how it works.

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What is a collateral assignment of life insurance?

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Learn about collateral assignment of life insurance so you can make a wise decision about what kind of collateral to use for a loan.

What is an equity-indexed annuity?

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Understand what an equity-indexed annuity is, its advantages and disadvantages, and how it differs from other annuity investments.

What happens to my annuity after I die?

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For some annuities, payment ends with the death of the annuitant, but others provide for payment to a spouse or other beneficiary for years afterward.

How do hedge funds use leverage?

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Learn how hedge funds use leverage techniques such as margin, credit lines and financial derivatives to increase return on investment.

The Difference Between a Limit Order and a Stop Order

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Limit orders and stop orders tell your broker how you want to fill your trades. A limit order sets the maximum or minimum price at which you are willing to buy or sell. A stop order will be executed only when the stop price is reached.

Weighted Average Shares Vs. Outstanding Shares

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What is the difference between weighted average shares and shares outstanding?

Understanding the Difference Between a Long and Short Market Position

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Long positions in a stock portfolio refer to stocks that have been bought and are owned, whereas short positions are those that are owed, but not owned.

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What's the difference between an individual retirement account (IRA) and an annuity?

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Both IRAs and annuities are helpful retirement savings tools, but there have distinct difference you need to be aware of before investing your money into either one.

Absolute Return vs. Relative Return: Understanding the Difference

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Relative return measures the performance of a fund against a market benchmark, while the absolute return is the performance of the fund.

H&M vs. Zara vs. Uniqlo: Understanding the Different Business Models

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Learn about the business models used by competing clothing companies H&M, Zara and Uniqlo, and how each uses distribution, branding, and factors of production.

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What types of positions might a Chartered Financial Analyst hold?

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A Chartered Financial Analyst (CFA) is likely to deal with large scale wealth management, financial analysis or complex accounting.

How can I avoid paying private mortgage insurance (PMI)?

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Private mortgage insurance (PMI) is an insurance policy that protects lenders from the risk of default and foreclosure, and allows buyers who cannot make a significant down payment (or those who choose to not to) to obtain mortgage financing at affordable rates.

Record Date vs. Ex-Dividend Date: What's the Difference?

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Understand the difference between important stock purchase and reporting dates to ensure correct receipt of investment dividend payments.

What can cause the rate of return to be negative?

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Learn how poor company or sector performance, economic turmoil and inflation can cause the rate of return on an investment to be negative.

Nostro Account vs. a Vostro Account: Understanding the Difference

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Nostro and Vostro are terms used in relation to international trading when one bank has another bank's money on deposit.

ETF vs. Mutual Fund: What's the Difference?

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Both mutual funds and ETFs hold portfolios of stocks and/or bonds. However, if you are considering an ETF or mutual fund, you'll need to know the differences between the two.

10 Ways to Ensure Success as an Entrepreneur

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Are you hoping to launch your own business and work for yourself? If so, here are the top 10 tips for entrepreneurs.

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Money Market Accounts or CDs: Which Investment is Better?

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Find out which short-term savings vehicle, a money market accounts (MMA) or a certificate of deposits (CDs), is a better investment for your needs.

The Best IRA for a 20-Something-Year-Old Investor

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If you are considering opening an IRA and are around 20 years old, you are ahead of the pack. The best IRA depends on your taxable income and goals.

What is the size of the average retirement nest egg?

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Learn about the average nest egg for retiring Americans – and why you certainly do not want to be average when it comes to your retirement planning.

How Do I Calculate the Degree of Operating Leverage?

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How to calculate the degree of operating leverage, the change in a company's operating income after a percentage change in its sales.

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What Is the Prime Cost Formula?

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Prime costs are the costs directly attributed to the production of a product. Before calculating prime costs, direct costs must be identified.

Financial Planner vs. Financial Advisor: What's the Difference?

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When scanning the financial advisor landscape, recognize that both a financial advisor and financial planner are very broad categories. Here are the differences.

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Divergence vs. Convergence What's the Difference?

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Find out what technical analysts mean when they talk about a divergence or convergence – and how these can affect trading strategies.

CEO vs. President: Understanding the Difference

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In corporate governance and structure, the roles of both CEO and president often vary across firms. Here's a look at both positions and how they function within most companies.

Market Economy vs. Command Economy: What's the Difference?

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A market economy operates through a price system, with the market setting rates, while in a command economy, governments control the resources and determine activity.

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Why Won't My Broker Let Me Buy a Stock and Sell It in the Same Day?

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Buying then selling the same stock on the same day is called day trading. Your broker may restrict you from day trading if you are new to investing.

What is a spider and why should I buy one?

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The term spider is the commonly-used expression to describe the the Standard & Poor's Depositary Receipt (SPDR). This type of investment vehicle is an exchange-traded fund (ETF). You can think of an ETF as a basket of securities (like a mutual fund) that trades like a stock.

Understanding Microeconomics vs. Macroeconomics

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Economics is divided into two different categories: microeconomics and macroeconomics. Microeconomics is generally the study of individuals and business decisions, while macroeconomics looks at higher up country and government decisions.

Understanding Elasticity vs. Inelasticity of Demand

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Inelasticity and elasticity of demand refer to the degree to which demand responds to a change in another economic factor. Elasticity of demand measures how demand changes when other economic factors change. When a change in demand is unrelated to an economic factor, it is called inelasticity.

Why do some closed-end mutual funds trade above or below their net asset values?

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Intuition tells us that a mutual fund's net asset value (NAV) (the net value of all assets within the mutual fund's portfolio divided by the number of outstanding shares) should be identical to its market price, but often, the market price of a closed-end mutual fund (a fund with a fixed number of issued shares that can't be altered) will trade either above or below its NAV.

Institutional vs. Retail Investors: What's the Difference?

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Learning the critical differences between being an institutional investor and being a retail investor.

What is cliff vesting?

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An employee is considered "vested" in an employer benefit plan, once they have earned the right to receive benefits from that plan. Cliff vesting is when the employee becomes fully vested at specified time rather than becoming partially vested in increasing amounts over an extended period of time.

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What Does a "5 by 5 Power" in a Trust Document Mean?

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To provide access to funds if income for a given year is low, trusts can include a "5 by 5 Power" to allow flexibility and protect assets.

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How can I prevent commissions and fees from eating up my trading profits?

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First off, understand that there is no universal system regarding trading commissions charged by brokerage firms. Some charge rather steep fees for each trade, while others charge very little, depending on the level of service they provide. A discount brokerage firm might charge as little as $10 for a common stock trade or even less, while a full-service broker might easily charge $100 or more per trade.

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Can I roll my SEP IRA into a Traditional IRA or should I convert to a Roth?

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Technically, the SEP IRA and the Traditional IRA are the same type of account. The only difference is that the SEP IRA is allowed to receive employer contributions. Therefore, you can combine the SEP IRA into the Traditional IRA without any ramifications.

How can I invest in gold?

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Investing directly in commodities, such as gold or oil, tends to be more difficult for investors than investing in stocks and bonds. A major reason for this is that stocks and bonds are readily transferable and easily accessible to the average investor.

Which Industries Have the Most Inventory Turnover?

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High volume/low margin industries tend to have the most inventory turnover, calculated as the cost of goods sold divided by average inventory value.

How a Company Improves Its Return on Capital Employed

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Discover how the return on capital employed ratio is used by analysts and investors to measure profitability, and how a company can improve it.

Understanding Deflation vs. Disinflation

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Although they may sound the same, deflation should not be confused with disinflation. Deflation is a decrease in general price levels of throughout an economy, while disinflation is what happens when price inflation slows down temporarily.

Understanding GDP vs. GNP

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Gross domestic product is the value of a nation's finished domestic goods and services during a specific time period. Gross national product is the value of all finished goods and services owned by a country's residents over a period of time.

Understanding Frictional vs. Structural Unemployment

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Frictional and structural unemployment are two different types of unemployment that occur in an economy. Frictional unemployment occurs when workers search for jobs. Conversely, structural unemployment is caused by shifts in the economy that make it difficult for workers to find employment.

Understanding Simple Random vs. Stratified Random Sample

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Simple random samples and stratified random samples are both statistical measurement tools. A simple random sample is used to represent the entire data population. A stratified random sample divides the population into smaller groups, or strata, based on shared characteristics.

What Is a Pure Play?

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A pure play is a company that invests in one line of business, so its stock performance correlates highly to the performance of its sector.

Understanding Linear Regression vs. Multiple Regression

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Learn the difference between linear regression and multiple regression and how the latter encompasses not only linear but nonlinear regressions too.

How Inventory Accounting Differs Between GAAP and IFRS

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Learn about inventory costing differences between generally accepted accounting principles (GAAP) and International Financial Reporting Standards (IFRS).