A survey of consumer confidence conducted by the University of Michigan. The Michigan Consumer Sentiment Index (MCSI) uses telephone surveys to gather information on consumer expectations regarding the overall economy. |||The preliminary report, which includes about 60% of total survey results, is released around the 10th of each month. A final report for the prior month is released on the first of the month. The index is becoming more and more useful for investors because it gives a snapshot of whether consumers feel like spending money.
Taking a vacation from one's main job and using that vacation time to make extra pay at a second job. A paycation can help make ends meet in tough economic times. The term gained popularity during the financial crisis of 2008-2009 when many people took paycations to supplement their incomes. Much like many other financial buzz words which gained popularity during the financial crisis of 2008-2009, a paycation is a light-hearted twist on the high unemployment rates of the time. Paycations can range from teaching courses to doing some freelance work during your vacation time.
The sale of a good or service to a charitable organization for less than the fair market value of the good or service received.Bargain sales are often used by donors who wish to make a charitable donation to an organization in a form other than cash. In some cases, the property transferred is exchanged for other similar property of lesser value, and the difference is considered a gift. If the property being sold has appreciated in value, the cost basis must be divided proportionately between the portion of the property that is actually sold and the remainder that is donated. The gain on the portion of the property that is sold must then be reported as income. The donation portion is written off, within the limits of charitable contributions for appreciated property.
A type of stock initial public offering (IPO) that trades below the original offering price to the market within the first few months after trading begins. A break issue can be the result of poor market conditions as a whole, industry concerns or lack of demand in the new issue itself. Taobiz explains Break Issue If several IPOs drop below their original offering price in a short period of time, private companies looking to go public (and the underwriters looking to take them there) may delay their security filings, as investor demand would be deemed low. Any one IPO will rise or fall on its own merits, but a trend of poor performance may signal that the timing just isn't right to make a company public. Break issues also can be the result of a venture-capital firm hoping to quickly cash-out of one or more of their portfolio investments before the company is mature enough to be a public issue.
A formal definition of metropolitan areas established by the Office of Management and Budget, a division of the U.S. Government. Metropolitan statistical areas serve to group counties and cities into specific geographic areas for the purposes of a population census and the compilation of related statistical data. |||An earlier version of metropolitan statistical areas were known as standard metropolitan statistical areas (SMSAs). Modern MSAs are configured to represent contiguous geographic areas with a relatively high density of human population.
A phrase commonly used in personal finance and retirement planning literature that means to automatically route your specified savings contribution from each paycheck at the time it is received.Because the savings contributions are automatically routed from each paycheck to your investment account, this process is said to be "paying yourself first"; in other words, paying yourself before you begin paying your monthly living expenses and making discretionary purchases. This simple system is touted by many personal finance professionals and retirement planners as a very effective way of ensuring that individuals continue to make their chosen savings contributions month after month. It removes the temptation to skip a given month's contribution and the risk that funds will be spent before the contribution has been made.Regular, consistent savings contributions go a long way toward building a long-term nest egg, and some financial professionals even go so far as to call "pay yourself first" the golden rule of personal finance.
Many banks charge nominal fees for various services, such as requesting a deposit slip or counter check or notarizing a document. Bank fees generally constitute a major portion of revenue for the bank, particularly for regional and local branches. Bank fees are usually nondeductible, except for annual custodial fees charged by the bank for IRA accounts. Even checks that are used for tax records are nondeductible, unless the checks are written from a money market account with limited check-writing privileges, and violation of this privilege results in forfeiture of the account's money market status.
A momentum indicator that is used to determine the conviction in a current trend by analyzing the price and volume of a given security. The MFI is used as a measure of the strength of money going in and out of a security and can be used to predict a trend reversal. The MFI is range-bound between 0 and 100 and is interpreted in a similar fashion as the RSI. The money flow index is calculated by using the following formula:Typical Price = (High + Low + Close) / 3Money Flow = Typical price * VolumeMoney Ratio = Positive Money Flow/Negative Money FlowNote: Positive money values are created when the typical price is greater than the previous typical price value. The sum of positive money over the number of periods used to create the indicator is used to create the positive money flow - the values used in the money ratio. The opposite is true for the negative money flow values.Money Flow Index = 100 - (100/ (1 + Money Ratio)) |||The money flow index is similar to the relative strength index (RSI). The fundamental difference is that the MFI also accounts for volume, whereas the RSI only incorporates price. Many traders watch for opportunities that arise when the MFI moves in the opposite direction as the price. This divergence can often be a leading indicator of a change in the current trend.
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