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Friday, March 8, 2019

financial dictionary pdf - financial terminology dictionary - financial dictionary app

financial dictionary pdf - financial terminology dictionary - financial dictionary app


Market Milestones as the Bull Market Turns 10

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This Saturday, March 9, 2019, marks the 10-year anniversary of what many call the longest bull market in history. Here are some of the key milestones.

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Why AIG, Poster Child of 2008 Crash, Is Now a Wall Street Darling

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The insurance giant looks nothing like it did a decade ago, per Street bulls who expect shares to rise 34%.

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Making Sense of The February Jobs Report

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The February nonfarm payrolls report calls into question the health of the U.S. economy and the employers confidence in the future.

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What are the main kinds of annuities?

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Learn about the four basic types of annuities, and why the different investment and payout options are suitable for different types of investors.

Have I lost the right to collect spousal Social Security benefits before I collect my own?

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The Bipartisan Budget Act of 2015 eliminated this benefit for anyone who didn't reach age 62 by December 31, 2015.

Investopedia Commerce Editorial Guidelines & Mission

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Investopedia commerce editorial guidelines and mission.

How do I calculate my Social Security break-even age?

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Learn why age plays an important role for when to start receiving Social Security income and how calculating break-even age can help a retiree make that decision.

What Is the Difference Between Arbitrage and Speculation?

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Arbitrage and speculation are two different financial strategies; one has very limited risk and the other involves a significant amount of risk.

If I am no longer employed, can I roll over a 403(b) plan into an IRA?

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Now that you are no longer working with the (former) employer that established your 403(b) account, you may roll your 403 (b) balance to your Traditional IRA. Generally, only a signed contribution form is required by the IRA custodian/trustee to deposit the funds to your IRA.

Can I use stocks instead of cash to fund my Roth IRA?

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Regular IRA contributions must be made in cash. Contributions of securities are not allowed. Internal Revenue Code Section § 219(e)(1) and IRS Publication 590 provide detailed information about IRA contribution rules.Exceptions apply to rollover contributions if the same security was distributed.For more on this, read IRA Contributions: Eligibility And Deadlines.This question was answered by Denise Appleby(Contact Denise)

The Best Guide for Choosing IRA Accounts For Beginners

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Opening your first IRA should be just an early step in your ongoing financial education. But the more help you need, the higher fees you're likely to pay.

What Is the Difference Between Marginal Benefit and Marginal Cost?

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Marginal benefit is an incremental increase in consumer benefit, while marginal cost is an incremental increase in a company's production expense.

Why would a person choose a mutual fund over an individual stock?

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There are a number of reasons why an individual may choose to buy mutual funds instead of individual stocks. The most common are that mutual funds offer diversification, convenience and lower costs.

CAGR vs. IRR: What's the Difference?

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Compound annual growth rate (CAGR) and internal rate of return (IRR) both measure investment performance but differ in complexity and flexibility.

How can I fund A Roth IRA if my income is too high to make direct contributions?

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Roth IRAs are not available to you if you are a high income earner – unless you use the following strategy.

What are common advantages of investing in large cap stocks?

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Learn what large-cap stocks are and how investors can benefit from common advantages of adding large-cap stocks to their portfolios.

Is an annuity a perpetuity?

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An annuity can be a perpetuity, depending on how it is set up. An annuity is an investment that makes regular payments throughout the year.

Top 8 Ways Companies Cook the Books

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From synthetic leases to accelerating revenues, companies employ a variety of cooking-the-books accounting methods to mislead investors.

Calculate the Capital to Risk Weight Assets Ratio for a Bank in Excel

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Microsoft Excel can calculate a bank's capital to risk-weighted assets ratio if you know the tier 1 and tier 2 capital and risk-weighted assets.

Why Biggest Valuation Gap In 70 Years Is Buying Opportunity

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As some stocks get cheaper, and others get pricier, AllianceBernstein offers a compelling case for seeking out low valuation equities right now.

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IBM Stock Could Offer Profitable Short Sales

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IBM stock is nearing a resistance level that could trigger a reversal and decline into the deep 2018 low.

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Costco Bulls in Charge After Strong Quarter

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Costco stock rallied more than 4% after the retailer beat estimates and could hit new bull market highs in the coming months.

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Why the Feared Google-Facebook Duopoly Will Grow Faster Than Expected

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Morgan Stanley estimates the online penetration of traditional advertising at 25%, half of its previous estimate at 50%.

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3 Reasons Big Investors Are Pouring Billions Into ETFs

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Originally conceived as a cost-effective vehicle for small individual investors, ETFs are increasingly being utilized by large institutions.

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Time Value Of Money: Determining Your Future Worth

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Determining monthly contributions to college funds, retirement plans, or savings is easy with this calculation.

Why Do Accountants Use Debit (DR) and Credit (CR)?

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There are a few theories on the origin of the abbreviations used for debit (DR) and credit (CR) in accounting.

How to Apply the GAAP to Inventory Reserves

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Accountants who apply the GAAP to inventory reserves often use a significant amount of personal judgment.

What's the difference between an index fund and an ETF?

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Learn about the difference between an index fund and an exchange-traded fund and how index fund investing compares to value investing.

ROTH, SEP, and Traditional IRA: What's the Difference?

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What is the difference between a Roth IRA, individual IRA, and SEP IRA? Learn more about these three retirement savings accounts and their tax treatment.

How do individual retirement accounts and certificates of deposit differ?

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Individual retirement accounts and certificates of deposit are useful savings instruments, but each is better suited for different situations.

What's the difference between a savings account and a Roth IRA?

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A savings account is an all-inclusive term , which includes IRAs and regular ( non-retirement) savings. A Roth IRA is a savings account in which earnings accrue on a tax-deferred basis, but are tax free if distributions are qualified. In a regular savings account, earnings are added to an individual's taxable income for the year earned.

REIT Vs. Real Estate Fund: What's the Difference?

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Real estate investment trusts (REITs) invest directly in income-producing real estate and are bought and sold like stocks. Real estate funds are a type of mutual fund that may invest in REITs.

Should You Buy a House at Auction?

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The traditional real estate market isn't the only place to conduct your home search. Auctions also supply many buying opportunities for informed house hunters.

How liquid are Vanguard mutual funds?

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Learn how liquidity applies to the Vanguard mutual fund family. Vanguard is one of the most well-known and largest investment management companies.

What is the minimum amount of money that I can invest in a mutual fund?

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Learn about investing in mutual funds even with a smaller initial investment; there are many funds available to investors with smaller purchase amounts.

Hidden Costs of New Homes That Burn Home Buyers

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Many home buyers don't realize that a new home often has numerous hidden costs that can make it more expensive and create uncertainties for homeowners.

What are hedge funds?

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A hedge fund is basically an investment partnership. It's the marriage of a fund manager and the investors, who pool their money together into the fund.

How can I budget for both short-term expenses and long-term goals?

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The first step in planning for long-term goals is actually determining how much you spend on short-term expenses. Once you know how much money is spent on the here-and-now, you can assess how much money can be put into investment vehicles for the future.Regular monthly expenses such as cable or cell phone bills should be easy to assess, but what about less frequent expenses like yearly insurance premiums? You can take these large lump sums and pro-rate them over the number of months from the time that you start the budget to when the event occurs.

Accountant Job Description & Average Salary

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Discover what the job description of an accountant entails, along with education and training, salary and skills necessary for success.

The World's Top 10 Health Care Companies (UNH, MDT)

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Discover the world's top 10 health care companies according to market capitalization, including a brief summary of each.

Learn the Lingo of Private Equity Investing

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The non-public nature of private equity investing can make the lingo tough to learn. We break it down here.

Why do preferred stocks have a face value that is different than market value?

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Read about the differences between the face value and market value of a preferred stock, including why preferred stocks often act like bonds.

Can you buy shares in the Dow Jones Industrial Average (DJIA)?

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Invest in the Dow Jones Industrial Average index through index funds or ETFs.

Is a progressive tax more fair than a flat tax?

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Find out which is more fair: flat tax or progressive tax. Learn about both sides of the debate and the challenges of defining "fair."

Top 10 of the Wealthiest Families in the World

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Find out how much money it takes to land on the list of 10 of the wealthiest families in the world, and why nobody is really sure what it takes to be number one.

Smart Investments on a Small Budget

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Having a small budget shouldn't keep you from investing in your financial future. Here are smart ways to invest your dollars and grow your nest egg.

401(k) Plan vs. 457 Plan: What's the Difference?

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401(k) plans and 457 plans are both retirement savings accounts. How do they work, and which can you invest your money with?

Should You Set up a Revocable Living Trust?

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A revocable living trust is an arrangement that allows you to have more control over your estate in an advantageous way–before and after your death.

Is it possible to short sell a bond?

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Because bonds, like any other security, experience market fluctuations, it is possible to short sell a bond. Short selling is a way to profit from a declining security (such as a stock or a bond) by selling it without owning it. Investors expecting a bear market will often enter a short position by selling a borrowed security at the current market price in the hope of buying it back at a lower price (at which time he or she would return it to the original owner).Short sellers in the stock market are usually concerned with their expectations of a company's future earnings (the main factor determining stock price), whereas short sellers of bonds are most concerned with future bond yields, the determining factor of bond prices.

A Beginner's Guide to Car Insurance

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A car insurance guide to help you choose insurance that keeps your finances safe. There are infinite combinations of items that make up a policy.

Do financial advisors get paid by mutual funds?

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Learn how mutual funds reimburse financial advisors for recommending that their clients invest in funds and stay invested for long periods of time.

Receiving Inherited Pension Benefit Payments From Deceased Parents

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Generally, the provisions of the plan document determine the distribution options available to beneficiaries of retirement plan assets. From a regulatory perspective, you are allowed to distribute the assets over the life expectancy of the oldest sibling.

How Does Financial Accounting Help Decision-Making?

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Read a brief overview of areas where financial accounting helps in decision making for investors, lending institutions, and business managers.

Why Do You Need a Margin Account to Short Sell Stocks?

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Have you ever wondered why you need a margin account to short sell stocks? Read on to find out why.

Horizontal Integration: Benefits and Drawbacks

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Companies that undergo horizontal integration can increase market share, revenue and economies of scale, but may face regulatory scrutiny.

Understanding Variance vs. Covariance

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Variance and covariance are mathematical terms frequently used in statistics. The variance refers to the spread of the data set, while the covariance refers to the measure of how two random variables will change together and are used to calculate the correlation between variables.

Understanding Real vs. Nominal Interest Rates

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A real interest rate is one that is adjusted to remove the effects of inflation, reflecting the real cost of funds to the borrower and the real yield to the lender or investor. A nominal interest rate, on the other hand, refers to an interest rate that does not factor out inflation.

Comparing Internal vs. External Economies of Scale

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An economy of scale is a microeconomic term that refers to factors that drive production costs down while increasing the volume of output. Internal economies of scale are firm-specific, while external economies of scale occur based on larger changes outside of the firm.

Hard Money vs. Soft Money: What's the Difference?

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Hard money and soft money are terms often used to describe currency and also refer to political contributions in the United States.

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The Green New Deal Explained

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Alexandria Ocasio-Cortez's call to transform the U.S. economy away from fossil fuels and create millions of green jobs has sparked fierce debate.

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The Complete Guide to Choosing an Online Stock Broker

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Selecting the best online stock broker for your needs can mean the difference between an exciting new income stream and frustrating disappointment.

Understanding Weighted Average vs. FIFO vs. LIFO

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The main difference between the weighted average, LIFO, and FIFO accounting is how each calculates inventory and cost of goods sold. Each system is appropriate for different situations.

Crude Oil Bounce Running Out Of Stream

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The WTI crude oil contract has stalled in the mid-$50s and could resume its long-term downtrend in the coming weeks.

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Abercrombie & Fitch Gaps Higher on Solid Earnings Beat

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Abercrombie reported better-than expected earnings this morning, and the stock gapped higher, reaching my quarterly risky level at $24.92.

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In the Zone: 3 Silver ETFs to Watch

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Silver prices have fallen sharply over the past week. These silver ETFs look to be "in the buy zone" ahead of a month filled with uncertainty.

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Snap Could Resume Downtrend

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Snap stock rallied more than 40% after February earnings and has reached a resistance level that's likely to generate a reversal.

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3 Charts That Suggest Financials Are Headed Lower

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Nearby trendlines and major moving averages on charts from the financial sector suggest that the bears are gaining control.

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Pullback Strategies: 10 Stocks That Could Fall the Fastest

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These stocks are heavily owned by high-turnover hedge funds, and thus are likely to face severe selling pressure once these funds turn bearish.

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S&P 500 Still Fighting After 10-Year Run

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It's been 10 years since the S&P 500 bottomed out at 666. With discretionary stocks outperforming staples, there's still a chance to move higher.

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How Much Money Do You Need to Start Trading?

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Active trading is quite different from casual investing and you might need more capital than you think.

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Understanding Cost vs. Price

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Cost is typically the expense incurred for a product or service being sold by a company. Price is the amount a customer is willing to pay for a product or service.

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Understanding Absorption Costing vs. Variable Costing

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Absorption costing includes all costs related to production, while variable costing only includes the costs directly incurred in production. Companies that use variable costing keep fixed-cost operating expenses separate from production costs.

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Options Arbitrage Opportunities via Put-Call Parities

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Certain trades are profitable when the value of corresponding puts and calls diverge, so savvy traders wait for such moments of profitability.

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Understanding Gross Revenue Reporting vs. Net Revenue Reporting

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Reporting revenue is a critical and often complex problem for accountants, so they must determine daily the differences between gross revenue and net revenue.

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How Long Is an Options Expiration Cycle?

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Understanding options expiration cycles is a vital tool when trading, as price volatility for contracts swings more heavily when nearing expiration.

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Understanding Solvency Ratios vs. Liquidity Ratios

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Solvency and liquidity are both terms that refer to an enterprise's state of financial health, but with some notable differences. Solvency and liquidity are equally important for a company's financial health.

Understanding Levered vs. Unlevered Free Cash Flow

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The difference between levered cash flow and unlevered free cash flow can determine if a business has the means or financial ability to expand its operations.

Triple Screen Trading System - Part 1

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Take advantage of trend-following and oscillator techniques to analyze trading decisions, capitalizing on market changes and directional indicators.

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Bullish Divergences and Bearish Reversal Signals

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Divergences can signal a change in momentum depending on class and direction. Both bears and bulls trade on certain indicators like speed and power.

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Depreciation Expense vs. Accumulated Depreciation

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Distinguish differences between depreciation expense, which is reported on the income statement, and accumulated depreciation, which is a running total.

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Understanding Operating Leverage vs. Financial Leverage

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Learn about the two equity valuation metrics, operating leverage and financial leverage, and how they are similar, and the differences are between the two.

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Understanding Class A Shares vs. Class B Shares

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Class A stock shares usually give their owners more voting rights than Class B shares, but their value is precisely the same as any other class of stock a company issues.

Understanding Recurring Expenses vs. Non-Recurring Expenses

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Understand the expenses involved in general and administrative operating costs, and the difference between recurring and nonrecurring expenses, which is best understood as the difference between regular, fixed expenses and a one-time or extraordinary expense.

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Understanding Jumbo Vs. Conventional Mortgages

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A conventional mortgage is one that's not connected in any way with the government, such as because it's guaranteed or insured by the FHA. They can either conform to government guidelines or they can be non-conforming. Jumbo mortgages tend to fall outside conforming loan restrictions.

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Merger vs. Takeover: Understanding the Difference

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In general, mergers and takeovers (or acquisitions) are very similar corporate actions. A merger is the mutual decision of two companies to become one; by contrast, an acquisition is the purchase of a smaller company by a larger one.

Understanding Periodic vs. Perpetual Inventory

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Periodic and perpetual inventory systems are two contrasting accounting methods that businesses use to track the quantity of products they have available.

The Difference Between Market Capitalization vs. Equity

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Understand the difference between market capitalization and equity, two primary measurements used to evaluate the worth of a company. Each term represents a different way of looking at a company's value.