Amy Fontinelle

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  1. North American Free Trade Agreement - NAFTA
    Term

    North American Free Trade Agreement - NAFTA

    A regulation implemented on Jan. 1, 1994, that decreased and eventually eliminated tariffs to encourage economic activity between the United States, Mexico and Canada. NAFTA is credited with making it ...
  2. Fixed Or Variable-Rate Mortgage: Which Is Better Right Now?
    Home & Auto

    Fixed Or Variable-Rate Mortgage: Which Is Better Right Now?

    Find out the benefits of fixed- and variable-rate mortgages, and learn which option is best for you.
  3. Volcker Rule
    Term

    Volcker Rule

    The Volcker rule separates investment banking, private equity and proprietary trading (hedge fund) sections of financial institutions from their consumer lending arms.
  4. Five Women Who Are Leading In Male-Dominated Fields
    Personal Finance

    Five Women Who Are Leading In Male-Dominated Fields

    In honor of March's Women's History Month, we look at five prominent female leaders who've taken leading roles at tables mostly populated by men.
  5. Americans Are Borrowing More To Buy Cars - But Should They ...
    Home & Auto

    Americans Are Borrowing More To Buy Cars - But Should They ...

    As the economy slowly heals, credit has become easier to obtain and interest rates have gone down. But does that mean it's wise to take on a car loan right now?
  6. Money Market Hedge
    Term

    Money Market Hedge

    A practice that businesses engaging in foreign trade use to eliminate foreign currency risk by purchasing the foreign currency at today’s spot price. A money market hedge helps a domestic company ...
  7. Holding Company
    Term

    Holding Company

    A parent corporation that owns enough voting stock in another corporation to control its board of directors (and, therefore, controls its policies and management).
  8. Financialization
    Markets

    Financialization

    Financialization is an increase in the size and importance of a country's financial sector relative to its overall economy.
  9. Surrender Period
    Term

    Surrender Period

    The amount of time an investor must wait until he or she can withdraw funds from an annuity without facing a penalty. Withdrawing money before the agreed-upon holding period can result in a surrender charge. ...
  10. How Financial Advisors Mistreat Women (And What Women Can ...
    Personal Finance

    How Financial Advisors Mistreat Women (And What Women Can ...

    While many women want professional help managing their finances, some male advisors still treat women as second-class citizens. We’ve talked to three women who work in the financial services industry about ...
  11. Consumer Theory
    Term

    Consumer Theory

    Investopedia explains: The study of how people decide what to spend their money on given their preferences and their budget constraints.
  12. What Will Happen To Treasury Yields With Yellen And Tapering?
    Markets

    What Will Happen To Treasury Yields With Yellen And Tapering?

    Janet Yellen was sworn in as Federal Reserve chair Feb. 3, 2014, ending Ben Bernanke's eight-year tenure. Yellen assumes her role at a time when the economy is its strongest since the recession ended in ...
  13. Is Your Employer-Provided Life Insurance Coverage Enough?
    Insurance

    Is Your Employer-Provided Life Insurance Coverage Enough?

    Learn about the several potential problems involved with obtaining life insurance through your employer.
  14. MyRA
    Term

    MyRA

    A new tax-advantaged retirement account that President Barack Obama introduced in January 2014 as a way for lower-income workers to save for retirement. Workers can open an account with as little as $25 ...
  15. Tax Exporting
    Term

    Tax Exporting

    The raising of revenue for one jurisdiction through the levying of taxes on residents of another jurisdiction. Tax exporting means that nonresidents pay for a share of the public services they benefit ...
  16. Consumer Confidence Index
    Investing Basics

    Consumer Confidence Index

    The Consumer Confidence Index is the result of a monthly survey of 5,000 U.S. households by the Conference Board that measures how optimistic or pessimistic consumers are about the economy's current and ...
  17. Private Finance Initiative - PFI
    Term

    Private Finance Initiative - PFI

    A method of providing funds for major capital investments where private firms are contracted to complete and manage the projects. These contracts are typically given to construction firms and last a long ...
  18. Financialization
    Term

    Financialization

    An increase in the size and importance of a country’s financial sector relative to its overall economy. Financialization impacts both the macroeconomy and the microeconomy by changing how financial ...
  19. Unbundling
    Term

    Unbundling

    The process of taking over a large company with several different lines of business, and then, while retaining the core business, selling off the subsidiaries to help fund the takeover.
  20. Reconciliation
    Term

    Reconciliation

    An accounting process used to compare two sets of records to ensure the figures are in agreement and are accurate. Reconciliation is the key process used to determine whether the money leaving an account ...
  21. Selling, General & Administrative Expenses (SG&A)
    Investing Basics

    Selling, General & Administrative Expenses (SG&A)

    Selling, general and administrative expenses (SG&A) are a company's total direct and indirect costs from selling its product or service as well as its total general and administrative expenses. The company ...
  22. Contribution Margin
    Investing Basics

    Contribution Margin

    Contribution margin is a cost accounting concept that allows a company to determine the profitability of individual products.
  23. Explaining Comparative Advantage
    Economics

    Explaining Comparative Advantage

    Comparative advantage is the ability of an individual, company or country to produce a good or service at a lower opportunity cost than its competitor. Having a comparative advantage doesn't mean that ...
  24. Wealth Effect
    Economics

    Wealth Effect

    The wealth effect is a psychological phenomenon that causes people to spend more as the value of their assets rises. The premise is that when consumers' homes or investment portfolios increase in value, ...
  25. Basic Concept Of Absolute Advantage
    Economics

    Basic Concept Of Absolute Advantage

    Absolute advantage is the ability of an individual, country or company to produce a good or service at a lower cost than any competitor. An entity with an absolute advantage requires fewer inputs and/or ...
  26. Absolute Advantage
    Term

    Absolute Advantage

    The ability of a country, individual, company or region to produce a good or service at a lower cost per unit than the cost at which any other entity produces that good or service.
  27. Depository Trust Company - DTC
    Term

    Depository Trust Company - DTC

    One of the world's largest securities depositories, it holds in excess of US$10 trillion worth of securities in custody. The DTC acts like a clearinghouse to settle trades in corporate and municipal securities. ...
  28. The Operating Leverage And DOL
    Fundamental Analysis

    The Operating Leverage And DOL

    Operating leverage tells investors about the relationship between a company's fixed and variable costs. The higher a company's fixed costs in relation to its variable costs, the greater its operating leverage, ...
  29. Withholding Allowance
    Term

    Withholding Allowance

    An allowance an individual claims on a W-4 Form. A withholding allowance is mainly used to assist an employer in calculating the amount of income tax to withhold from an employee's paycheck.
  30. Target-Date Fund
    Term

    Target-Date Fund

    A mutual fund in the hybrid category that automatically resets the asset mix (stocks, bonds, cash equivalents) in its portfolio according to a selected time frame that is appropriate for a particular investor. ...
  31. Marginal Propensity To Consume - MPC
    Term

    Marginal Propensity To Consume - MPC

    A component of Keynesian theory, MPC represents the proportion of an aggregate raise in pay that is spent on the consumption of goods and services, as opposed to being saved.
  32. Unsystematic Risk
    Term

    Unsystematic Risk

    Company or industry specific risk that is inherent in each investment. The amount of unsystematic risk can be reduced through appropriate diversification. Also known as "specific risk," "diversifiable ...
  33. Hybrid Security
    Term

    Hybrid Security

    A security that combines two or more different financial instruments. Hybrid securities generally combine both debt and equity characteristics. The most common example is a convertible bond that has features ...
  34. Systematic Risk
    Term

    Systematic Risk

    The risk inherent to the entire market or entire market segment. Also known as "un-diversifiable risk" or "market risk."
  35. Reading The Inventory Turnover
    Fundamental Analysis

    Reading The Inventory Turnover

    Inventory turnover is a ratio that shows how quickly a company uses up its supply of goods over a given time frame. Inventory turnover may be calculated as the market value of sales divided by ending inventory, ...
  36. Law Of Supply
    Term

    Law Of Supply

    A microeconomic law stating that, all other factors being equal, as the price of a good or service increases, the quantity of goods or services offered by suppliers increases and vice versa.
  37. Law Of Demand
    Term

    Law Of Demand

    A microeconomic law that states that, all other factors being equal, as the price of a good or service increases, consumer demand for the good or service will decrease and vice versa.
  38. S&P 500 Dividend Aristocrats
    Term

    S&P 500 Dividend Aristocrats

    Companies that have had an increase in dividends for 25 consecutive years. The S&P Dividend Aristocrats index tracks the performance of these companies. A dividend aristocrat tends to be a large blue-chip ...
  39. The Basics Of Bond Duration
    Bonds & Fixed Income

    The Basics Of Bond Duration

    Duration tells investors the length of time it will take a bond's cash flows to repay the investor the price he or she paid for the bond. A bond's duration is stated as a number of years and tells us how ...
  40. Restricted Stock
    Term

    Restricted Stock

    Insider holdings that are under some other kind of sales restriction. Restricted stock must be traded in compliance with special SEC regulations. These regulations are outlined under Section 1244 of the ...
  41. Authorized Stock
    Term

    Authorized Stock

    The maximum number of shares that a corporation is legally permitted to issue, as specified in its articles of incorporation. This figure is usually listed in the capital accounts section of the balance ...
  42. Cash Flow From Financing Activities
    Term

    Cash Flow From Financing Activities

    A category in the cash flow statement that accounts for external activities such as issuing cash dividends, adding or changing loans, or issuing and selling more stock. The formula for cash flow from financing ...
  43. Overnight Rate
    Term

    Overnight Rate

    The interest rate at which a depository institution lends immediately available funds (balances within the central bank) to another depository institution overnight.
  44. Vesting
    Term

    Vesting

    The process by which employees accrue non-forfeitable rights over employer contributions that are made to the employee's qualified retirement plan account.
  45. Goodwill
    Term

    Goodwill

    An account that can be found in the assets portion of a company's balance sheet. Goodwill can often arise when one company is purchased by another company. In an acquisition, the amount paid for the company ...
  46. Market Exposure
    Term

    Market Exposure

    The amount of funds invested in a particular type of security and/or market sector or industry and usually expressed as a percentage of total portfolio holdings. Thus, it is the amount an investor has ...
  47. Takeover
    Term

    Takeover

    A corporate action where an acquiring company makes a bid for an acquiree. If the target company is publicly traded, the acquiring company will make an offer for the outstanding shares.
  48. Spot Rate
    Term

    Spot Rate

    The price that is quoted for immediate settlement on a commodity, a security or a currency . Spot settlement is normally one or two business days from trade date.
  49. What is the Dodd-Frank Act? How does it affect me?
    Economics

    What is the Dodd-Frank Act? How does it affect me?

    The Dodd-Frank Wall Street Reform and Consumer Protection Act is a massive piece of financial reform legislation passed by the Obama administration in 2010 as a response to the financial crisis of 2008. ...
  50. If I don't have any kids and want to leave all of my worldly ...
    Personal Finance

    If I don't have any kids and want to leave all of my worldly ...

    A 1993 law, Section 2-907 of the Uniform Probate Code, changed the treatment of a deceased individual's pet from that of a piece of property to an entity that requires care. As a result, it is possible ...
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