The level of wealth, comfort, material goods and necessities available to a certain socioeconomic class in a certain geographic area. The standard of living includes factors such as income, quality and availability of employment, class disparity, poverty rate, quality and affordability of housing, hours of work required to purchase necessities, gross domestic product, inflation rate, number of vacation days per year, affordable (or free) access to quality healthcare, quality and availability of education, life expectancy, incidence of disease, cost of goods and services, infrastructure, national economic growth, economic and political stability, political and religious freedom, environmental quality, climate and safety. The standard of living is closely related to quality of life. The standard of living is often used to compare geographic areas, such as the standard of living in the United States versus Canada, or the standard of living in St. Louis versus New York. The standard of living can also be used to compare distinct points in time. For example, compared with a century ago, the standard of living in the United States has improved greatly. The same amount of work buys an increased quantity of goods, and items that were once luxuries, such as refrigerators and automobiles, are now widely available. As well, leisure time and life expectancy have increased, and annual hours worked have decreased.
A business expense incurred by an employee or self-employed taxpayer while away from home in a travel status. These expenses may only be claimed if the transportation expenses are directly related to your job. Examples are taxi fares or gas.
A Traditional or Roth IRA established and funded by an individual for his or her spouse. These plans are typically set up when the spouse has little or no income, as they provide added benefits in that case. The contribution limits and eligibility requirements for a spousal IRA are the same as those for a regular IRA.
A type of technical indicator that is created by plotting two bands around a short-term simple moving average (SMA) of an underlying asset's price. The upper band is created by adding a value of the average true range (ATR) - a popular indicator used by technical traders - to the moving average. The lower band is created by subtracting a value of the ATR from the SMA.Upper STARC band = SMA + ATR*Lower STARC band = SMA - ATR** The average true range (ATR) is generally multiplied by a user-specific multiplier factor before being added/subtracted from the SMA.|||Most traders use a move toward the upper band to signal an increased probability that the price will pull back toward the moving average, and a move toward the lower band as a signal that the price may head back higher. Other traders believe a move beyond the bands signals an increase in momentum. STARC bands generally use a six-period moving average, and the average true range factor is usually multiplied by two before being added/subtracted from the SMA.This indicator is similar in calculation and interpretation to Bollinger Bands. STARC is an acronym for Stoller Average Range Channels. The indicator is named after its creator, Manning Stoller.
The stipulation that, if a life insurance policy (or any interest in that policy) is transferred for something of value (money, property, etc.), a portion of the death benefit is subject to be taxed as ordinary income. This portion is equal to the death benefit minus the item(s) of value, as well as any premiums paid by the transferee at the time of the transfer. For example, if John Doe sells his $250,000 life insurance policy that he has paid $10,000 in premiums on to Jane Doe for $5,000, the amount subject to income tax is $235,000 ($250,000-$10,000-$5,000). The transfer-for-value rule includes, but goes beyond, the outright sale of a life insurance policy. The life insurance policy does not lose its tax-exempt status when the policy is transferred to the insured, a partner of the insured or to a company where the insured is an officer or stockholder.
A standard series of four-digit codes created by the U.S. government in 1937 for categorizing business activities. In 1997, the use of SIC codes was replaced in most (but not all) capacities by a six-digit code called the North American Industry Classification System (NAICS). |||The codes are used to promote better communication across business sections and between countries. One major government department that still uses SIC codes is the Securities and Exchange Commission (SEC). The SIC codes are listed in a business's electronic data gathering, analysis and retrieval system (EDGAR) filings in order to indicate the industry to which the company belongs. For example, if you see that a company has a 3721 SIC code on its EDGAR filing, this means that the company belongs to the aircraft industry.
A transfer of retirement fund assets to the spouse of the deceased. The transfer is generally done in one of two ways. The first way is for the retirement account to remain intact and simply be renamed to reflect the new owner. The second way is to transfer the funds to the spouse's account. The spouse is not automatically designated as the recipient of unused retirement funds. However, with many retirement plans, the spouse must give their consent for another recipient to be named. In some cases, for example in a qualified plan account, the spouse must be named the beneficiary.
Inadequate withholding of taxes from wages or other income during the year. Underwithholding will result in a balance due upon filing. Significant underwithholding can result in a nasty surprise for the taxpayer, especially if there is substantial interest and penalties involved. Generally, it is often a good idea to overwithold taxes to avoid a financial surprise at filing time that could become a significant financial burden. Some taxpayers deliberately choose to have their taxes underwithheld, for various reasons. Sophisticated taxpayers may be able to invest the amount that would otherwise be withheld more profitably throughout the year and still come out ahead after paying the tax. Others simply may not wish to have the government hold on to their money during the year and keep it in a separate account to earn interest instead.
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