A method of allocating the interest charge on a loan across its payment periods. Under the Rule of 78, periods are weighted by comparing their numerical values to the sum of all the digits of the periods. The weights are applied in reverse, applying large weights to early periods. When paying off a loan, the repayments consist of two parts: the principal and the interest charge. The Rule of 78 weights earlier payments with more interest than later ones. If the loan is not terminated or prepaid early, the total interest paid between simple interest and the Rule of 78 will be equal. However, because the Rule of 78 weights the earlier payments with more interest than a simple interest method, paying off a loan early will result in the borrower paying more interest overall.This method of allocating interest was commonplace in loans for consumer goods, such as automobiles. However, the U.S. government has outlawed the use of the Rule of 78 for loans longer than five years. This is largely because this method penalizes borrowers who pay off debts early.
A rule stating that in order to find the number of years required to double your money at a given interest rate, you divide the compound return into 72. The result is the approximate number of years that it will take for your investment to double. For example, if you want to know how long it will take to double your money at 12% interest, divide 12 into 72 and you get six years.
A rule whereby the sum of the inflation rate and the P/E ratio of the Dow Jones Industrial Average is an indicator of the direction of the stock market. If the total is above 18, stocks are supposed to decrease. If the total is under 18, then the stock market is expected to increase. For example, if the P/E ratio for the Dow were 14 and the annual inflation rate were 3%, their sum would equal 17. This number would indicate that the stock market will increase.
A combination of the words "Rubin" and "economics" that focuses on the impact of a balanced budget on long-term rates of interest. Rubinomics is named after Robert Rubin, the Secretary of the Treasury under former President Bill Clinton. This approach tends be concerned with the effect that deficits have on inflation over the long term. Rubinomics gained traction during the 1990s as long-term interest rates remained high despite the actions of the Federal Reserve to lower the Federal Funds Rate. Greenspan and other experts attributed this to an inflation premium that was built into bond prices. Rubin suggested that the government concentrate on reducing the deficit instead of spending money on infrastructure, which displeased some of his more liberal economic advisors.
Another name for a "bounced check." The check cannot be processed because the writer has insufficient funds. Most rubber (or bounced) checks are subject to high bank penalty fees ($20-$40 per bounced check).
An action that attempts to inflate transaction volumes through the continuous and frequent purchase and sale of a particular security, commodity or asset. Round-trip trading can be used to refer to the practice of a business selling an unused asset to another company while agreeing to buy back the same asset for about the same price. This type of market manipulation has been seen in the energy and telecom business. This is a market-manipulation practice used to misrepresent the number of transactions occurring on any given day. Round-trip trading artificially inflates volume and revenues, but in reality adds no profit. Enron was a company that engaged in round-trip trading, and, by doing so, was able to increase revenues (and expenses) without changing its net income.
The unexpected optimism market observers sometimes experience during a recession. A rose-colored recession reflects the sometimes unwarranted positivity of the general public following news or data released during a recession; it is still considered bad news, but is better than expected. The term rose-colored recession was coined during the financial crisis of 2008-2009 in reference to optimism shown by market observers and government officials following bad economic data, such as corporate earnings announcements and unemployment numbers, that were "not as bad as feared" or "bad, but not that bad". Quite often these events led to bear market rallies and predictions of an end to the recession.
A slang term for the introduction of a new product or service to the market. A rollout often refers to a significant product release, often accompanied by a strong marketing campaign to generate a large amount of consumer hype. Rollout can also refer to the methodology behind a product's introduction. For example, some electronic companies follow a rollout strategy of keeping new products or ideas top secret until just before release.
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