A legal form that allows an individual to empower another with decisions regarding his or her healthcare and medical treatment. Healthcare power of attorney becomes active when a person is unable to make decisions or consciously communicate intentions regarding treatments. |||The healthcare power of attorney allows people who become unable to make their own decisions to exercise their beliefs and wishes regarding medical procedures. The person's agent can communicate on behalf of the sick or injured person, preventing unwanted treatment. The process of denoting an HCPA is fairly straightforward, and the privilege can be revoked at any time.
A swap agreement created through the synthesis of two swaps differing in duration for the purpose of fulfilling the specific time-frame needs of an investor. Also referred to as a "forward start swap," "delayed start swap," and a "deferred start swap." For example, if an investor wants to hedge for a five-year duration beginning one year from today, this investor can enter into both a one-year and six-year swap, creating the forward swap that meets the needs of his or her portfolio. Sometimes swaps don't perfectly match the needs of investors wishing to hedge certain risks.
A parity condition stating that the difference in interest rates between two countries is equal to the expected change in exchange rates between the countries’ currencies. If this parity does not exist, there is an opportunity to make a profit."i1" represents the interest rate of country 1"i2" represents the interest rate of country 2"E(e)" represents the expected rate of change in the exchange rate |||For example, assume that the interest rate in America is 10% and the interest rate in Canada is 15%. According to the uncovered interest rate parity, the Canadian dollar is expected to depreciate against the American dollar by approximately 5%. Put another way, to convince an investor to invest in Canada when its currency depreciates, the Canadian dollar interest rate would have to be about 5% higher than the American dollar interest rate.
The investment approach or objective that a fund manager uses to make choices in the selection of securities for the fund's portfolio. While there are a variety of styles, there are nine basic investing styles for both equity and fixed-income funds. For stock funds, company size and value/growth characteristics determine the style. For bonds, style is defined by maturities and credit quality. The specific size parameters for stocks are large, medium and small-sized companies, which are determined by market capitalization. Value, growth and a value/growth blends are the three basic categories for stocks.Bond maturities are categorized as short term, intermediate term and long term. Credit quality is determined by a bond's status as a government or agency issue (high) and credit ratings for corporates and municipals of 'AAA' to 'AA' (high), 'A' to 'BBB' (medium) and 'BB' to 'C' (low).Variations and combinations of these basic categories, as well as consideration of special industries, industry sectors and geographic location, create investment styles for both stock and bond funds beyond the basic nine categories for each.
A scale developed by American scientist Fred Fiedler to identify whether an individual's leadership style is relationship-oriented or task-oriented. The Least Preferred Coworker (LPC) scale requires a person to rate the one individual they would least want to work with - the least preferred coworker - along a scale of 18 to 25 bipolar adjectives, with ratings from 1 to 8. The LPC score is then computed by totaling all the ratings. A high LPC score indicates that the individual is a relationship-oriented leader, while a low LPC score suggests a task-oriented leader. A typical set of bipolar adjectives used in the LPC Scale would include Pleasant/Unpleasant, Friendly/Unfriendly, Supportive/Hostile and so on. The responses are graded from 1 for the least favorable attribute (for example, Unpleasant or Unfriendly), to 8 for the most favorable one (Pleasant or Friendly). The LPC Scale assumes that people whose leadership style is relationship-oriented tend to describe their least preferred coworkers in a more positive manner, while those whose style is task-oriented rate them more negatively.
An account created for individuals who are covered under high-deductible health plans (HDHPs) to save for medical expenses that HDHPs do not cover. Contributions are made into the account by the individual or the individual's employer and are limited to a maximum amount each year. The contributions are invested over time and can be used to pay for qualified medical expenses, which include most medical care such as dental, vision and over-the-counter drugs. |||The HSA account has three major tax savings: the money contributed into the account is tax deductible, it grows tax free, and certain withdrawals are tax free if they are for qualified medical expenses. To qualify for an HSA account, you must have coverage from a high-deductible health plan and you must not be enrolled in Medicare or be listed as a dependent on another person's tax return.
The advance purchase of a put or call option with a strike price that will be determined at a later date, typically when the option becomes active. A forward start option becomes active at a specified date in the future; however, the premium is paid in advance, and the time to expiration and the underlier are established at the time the forward start option is purchased. A group of consecutive forward start options is called a ratchet option or cliquet option. In this instance, the first forward start option is active immediately, and each successive forward start option becomes active when the previous one expires. Forward start options are often priced using a calculation known as the Rubenstein formula.
The currency abbreviation for the Vietnamese dông (VND), the currency for Vietnam. The Vietnamese dông is made up of 10 hào and 100 xu, and is often presented with the symbol d. Although the dông is made up of two different subunits, neither have been used in Vietnam for many years. |||The Vietnamese language uses the word "dông" as a term for any currency by adding a country's name before it. For example, Vietnamese-Americans may refer to the U.S. dollar as the "U.S. dông"; "U.S. hào" and "U.S. xu" are sometimes used to refer to the U.S. dime and cent. Therefore, the Vietnamese dong must be referred to as "dông Vietnam" (Vietnamese dông)
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