A description of an investor who, when faced with two investments with a similar expected return (but different risks), will prefer the one with the lower risk. A risk-averse investor dislikes risk, and therefore will stay away from adding high-risk stocks or investments to their portfolio and in turn will often lose out on higher rates of return. Investors looking for "safer" investments will generally stick to index funds and government bonds, which generally have lower returns.
Electronic funds that are deposited directly into your bank account rather than through a paper check. Common uses of a direct deposit include income tax refunds and pay checks. As a whole, direct deposit is the most popular form of payment as it eliminates the risk of losing a check and eliminates the need to physically visit a bank to make a deposit. Direct deposit allows an employee's pay to be immediately available in their accounts at midnight the day before pay day and it is not subject to a check clearing wait period. Salaries paid via check can take a week or more to clear within their account. Direct deposits are also popular for income tax refunds, as it is the fastest method of payment.
The direct conversion of ownership (from one ownership type to another) of an underlying asset without any initial cash outlay from the investor. Many cashless conversions are automatically triggered on a specific date as specified in the original contract, and will typically affect an entire class of shares or contracts. Taobiz explains Cashless Conversion Some examples of cashless conversions are from warrants to stock, preferred shares to common shares and stock options to common stock. In a standard cashless conversion, there is no upfront cost because the transaction will usually be immediately profitable for the investor. If there are any costs involved, they will be paid from the proceeds of the conversion. In the case of warrants, there will often be cashless conversions when the warrant contract runs out if certain breakpoints in the underlying asset or interest rates have been met.
In the securities market, a transaction made in a desperate attempt to recover previous losses. The term was coined with the idea that if a trader fails in his or her attempt to recover previous losses, he or she would have to hop on a plane to Rio De Janeiro, Brazil, in order to escape from creditors.
A group of 30 member countries that discuss and develop economic and social policy. OECD countries are democratic countries that support free market economies. |||The OECD has been called a think tank, monitoring agency, rich man's club and unacademic university. Whatever you want to call it, the OECD has a lot of power. Over the years, it has dealt with a range of issues, including raising the standard of living in memeber countries, contributing to the expansion of world trade and promoting economic stability.
Also known as IRS Form 8880, the Credit for Qualified Retirement Savings Contribution form is a one-page tax form used to calculate the amount of an individual or married couple's saver's credit. As of 2009, the credit is available to individuals with income up to $26,500, heads of household with with incomes up to $39,750 and married couples filing jointly with incomes up to $53,000. The form asks for information on traditional and Roth IRA contributions for that tax year, elective deferrals to a qualified employer plan and certain retirement distributions received. The saver's credit is one of several tax benefits designed to help low-income filers save for retirement. In addition to meeting low-income requirements, those who want to claim the credit must be at least 18, not a full-time student and cannot be claimed as a dependent on another person's tax return.
A method of independent stock analysis whereby company information is supplied by third parties. Taobiz explains Channel Check Many times, when stock analysts provide ratings upon specific companies the information used is supplied by the company being analyzed. When doing a channel check, the analyst is using information not supplied by the company and is independently investigating the financial health of the company.
An automated computer system owned by the National Association of Security Dealers (NASD) that is used to record information relating to orders, quotes and other related trade information from all equities that are traded on the Nasdaq, including over the counter (OTC) stocks. This system simplifies an order's progression from the initial receipt of the order to its eventual execution or cancellation, so that it can be easily tracked for auditing purposes. |||The NASD created OATS to ensure that the time sensitive information relating to the events throughout the order execution process is recorded accurately. For example, according to NASD rule 6953, all "computer clocks and timestamping devices must be synchronized to be within three seconds of the National Institute of Standards and Technology atomic clock". (This atomic clock is highly accurate; it will not gain or lose one second of time in more than 60 million years)
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