The practice of making credit easy to come by, either through relaxed lending criteria or by lowering interest rates for borrowing. Loose credit often refers to central banking monetary policy and whether it is looking to expand the money supply (loose credit) or contract it (tight credit).Loose credit environments may also be called "accommodative monetary policy" or "loose monetary policy". The U.S. markets were considered a loose credit environment between 2001 and 2006, as the Federal Reserve lowered the Fed funds rate, and interest rates reached their lowest levels in more than 30 years. This allowed the economy to expand, as more people were able to borrow. This led to increased asset investment and spending on goods and services. Central banks differ on the mechanisms they have at their disposal to create loose or tight credit environments. Most have a central borrowing rate (such as the Fed funds rate or discount rate) that affects the largest banks and borrowers first; they in turn pass the rate changes along to their customers. The changes eventually work their way down to the individual consumer via credit card interest rates, mortgage loan rates and rates on basic investments like money market funds and certificates of deposit (CDs).
The risk to which a pension fund or life insurance company could be exposed as a result of higher-than-expected payout ratios. Longevity risk exists due to the increasing life expectancy trends among policy holders and pensioners, and can result in payout levels that are higher than what a company or fund originally accounts for. The types of plans exposed to the greatest levels of longevity risk are defined-benefit pension plans and annuities, which guarantee lifetime benefits for policy or plan holders. Average life expectancy figures are on the rise, but even a very small change in life expectancies can create severe solvency issues for pension plans and insurance companies. Precise measurements of longevity risk are still unattainable because the limit of medicine and its impact on life expectancies has not been quantified.
Shorthand for "the investing public"--in the same way that "Wall Street" is used to refer to investment professionals and brokers. If you are investing in the market, you are considered a part of the "Main Street" fraternity.
A popular business or businessperson to whom job candidates naturally gravitate. Magnet employers often have brand name recognition behind them, and they typically offer higher pay or better benefits than their competitors, thus making them a "magnet" for job seekers looking for superior compensation. Unfortunately, magnet employers are not terribly common. Some companies offer lower pay and higher benefits, while others are more generous. But magnet employers often attract the best and brightest employees, which can make the company more profitable in the long run.
An approach taken by a company that does not want to be taken over. The company issues a large number of bonds with the condition they must be redeemed at a high price if the company is taken over. Why is it called Macaroni Defense? Because if a company is in danger, the redemption price of the bonds expands like Macaroni in a pot!
A commonly used metaphor for doing the simplest or easiest work first. In sales, it means a target that is easy to achieve or a problem that is easy to solve. It refers to the sale of consumer products or services that are easier to sell. A low-hanging fruit presents the most obvious opportunities because they are readily achievable and do not require a lot of effort. An example is when sales professionals new to the field tend to seek out the easiest customers to sell to first. These customers are considered "low hanging fruit." A low-hanging fruit is also a strategy a company implements in order to boost sales quickly. However, there are usually only so many low hanging fruits, and once those have been "picked," the company has to put in more effort to achieve results.
The feeling or tone of a market (i.e. crowd psychology). It is shown by the activity and price movement of securities. For example, rising prices would indicate a bullish market sentiment. A bearish market sentiment would be indicated by falling prices.
Slang used to describe a good investor who is "in-the-know." It also implies opinion leadership. In general, the term is used to describe consumers who have up-to-date information about products, places to shop, and different markets. This definition makes sense when talking in the context of the stock market.
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