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Corporate BasicsBasicsCorporate StructureCorporate FundamentalsCorporate DebtRisksEconomicsCorporate AccountingDividendsEarnings

What is Abatement Cost?

Environmental regulations or lawsuits occasionally force companies to comply by taking measures or acquiring technologies to abate their environmental impact, and the overhead of such projects is called Abatement Cost. Increasingly over the last 20 years or so more countries and states have begun imposing laws on companies to reduce their carbon emissions, noise pollution, and various other environmental impacts. The costs of enacting measures or technologies to help them comply with such regulations is known as abatement cost. Continue reading...

Is There Anything Else I Need to Know About Bonds?

There will always be more to learn in the investment world: innovation is always happening and the products will change along with market conditions. Bonds are no exception. The bond market is huge — actually larger than the stock market, if you can believe that — and there are literally hundreds of economic, market, and tax-related factors which influence the decisions of which bonds to buy. You must look at the yield curve, duration, rating of the issuer, your own cash flow needs, expected changes in the interest rate environment, changes in the overall health of the economy, tax implications, account in which you're buying bonds, and so forth. Therefore, structuring fixed income accounts is a task which is perhaps better left to professional advisors. Continue reading...

What if the Matching Contribution for My 401(k) is in Company Stock?

Employer contributions in the form of company stock can pose some liquidity issues, but it can also be a nice benefit. If the matching contribution to your 401(k) is made in company stock, you have to weigh carefully your overall exposure to the financial well-being of your company. You are already receiving the current income (salary) from your employer. You may also have taken advantage of an Employee Stock Purchase Plan (ESPP) or Employee Stock Ownership Plan (ESOP) outside of the retirement plan. Therefore, you might already have a lot riding on the stability of your company. Continue reading...

What are Bond Ratings?

The possibility of a company or municipal government defaulting on their bond obligations, usually by going bankrupt, is a real one. For this reason, all bonds are rated according to the financial stability of the issuer. A look at the history of corporate and municipal debt will illuminate the fact that the possibility of the issuer being unable to pay its obligations to bondholders is a very real one. There is an established system of bond ratings that gives a rough estimate of the bond's reliability. Continue reading...

What is Account Activity?

Account activity is any credit or debit activity in a checking or savings account, or investments, withdrawals, dividends or fees in an investment account. Account activity is the transactional history that will appear in ledger statements from a checking, savings, money market, investment, or other kind of financial account. This usually refers to transactions that were originated by the account owner, such as buying and selling securities or withdrawing and depositing in bank accounts, but could also include activity such as dividends, interest, fees, and other sorts of automated activity generated by the custodial institution. Continue reading...

What is Abandoned Property?

Most people think of an abandoned car or even a house when abandoned property is mentioned, but it also applies to investment accounts. If physical property such as a car is left for a long enough time in a public space or privately owned space such as a storage building, the property can be deemed abandoned and the person who discovers it can become the new owner. Through a process called escheatment, investment accounts, savings accounts, bank CDs, and employee 401(k) accounts can all become assets of the state if they are determined to be abandoned. Continue reading...

Can I Leave My 401(k) With My Former Employer?

Generally a plan will allow you to leave your assets in there indefinitely, but this is probably not ideal for you. Most custodians will be happy to hold onto your account dollars as long as you’re willing to leave them there. They don’t have to spend any time servicing your account since you can’t make contributions and probably aren’t even able to reallocate your assets, and they will continue to make money on your account with the built-in fees. You may be charged inactive account fees or small account fees as well. Continue reading...

What are Bank Fees?

Bank fees are penalties or maintenance requirements that may apply to checking, savings, or money market accounts. Banks may charge fees for specific types of transactions, if a check bounces, or just a monthly checking account fee. There are many other types of fees and reasons for them. They may be penalties, such as an overdraft fee, or they may be customary for the kind of transaction or account being used. Continue reading...

What is the foreign credit insurance association?

The Foreign Credit Insurance Association protects American businesses from non-payment in international trade deals where goods were sold on credit. The Foreign Credit Insurance Association (FCIA) is a group of insurance companies which underwrite the foreign credit insurance sold by the Export-Import Bank of Washington DC. The Export – Import Bank, also known as the Ex/Im Bank, is an independent government entity that facilitates and encourages some international trade activity of American companies. Continue reading...

What is the Impact of Dividends on Shareholder Equity?

Dividends are a critical aspect of a company's financial landscape, impacting both its shareholders and the company's balance sheet. As a financial analyst, it's essential to understand the intricacies of how dividends affect stockholder equity and how these effects vary based on the type of dividend issued. In this article, we will explore the impact of dividends on stockholder equity, emphasizing the differences between cash dividends and stock dividends. Continue reading...

Is there such a thing as a “presidential election cycle” impact on stocks?

Some analysts have popularized the notion that the 4-year presidential election cycle holds secrets to bear and bull markets. Found in publications such as the Stock Traders Almanac, The Presidential Election Cycle is the theory that different phases of the presidential term are correlated to broad market conditions. As will many such theories, it may not hold up under a lot of scrutiny, but there are some correlations to be found. Continue reading...

What Is Stagflation, and How Does It Impact Economies?

Stagflation stands as one of the most perplexing economic phenomena, challenging traditional economic beliefs by merging slow growth, high unemployment, and rising prices. Originating in the 1970s, primarily due to the oil crisis, stagflation has since confounded economists and policymakers. This article delves into the heart of this economic conundrum, exploring its historical context, underlying causes, and the quest for solutions. Discover how stagflation disrupts the established paradigm and why understanding it is crucial for crafting effective economic policies. Dive into the intricacies of an economic paradox that continues to shape global economic discussions. Continue reading...

How Does HIPAA Impact Financial Perspectives?

Ever wondered how your medical data remains private and secure? Dive into the world of HIPAA, the groundbreaking act that revolutionized healthcare privacy and data protection. From its inception in 1996 to its modern-day implications, discover how HIPAA shapes the healthcare landscape Continue reading...

How Do Embargoes Impact Global Trade and Diplomacy?

Delve into the multifaceted realm of embargoes, powerful economic instruments wielded by nations and global entities. From their historical roots, like the Arab oil embargo, to their diverse forms, including trade and sanitary restrictions, embargoes have left indelible marks on the world stage. While they aim to enforce political or humanitarian objectives, their effectiveness and unintended consequences spark debate. Whether it's the longstanding U.S. embargo on Cuba or sanctions against Iran, these measures influence not just targeted nations but the entire global economy. Dive in to unravel the complexities and nuances of embargoes in international diplomacy. Continue reading...

How Does a Margin Call Impact Your Investments?

A margin call, though not a term that is foreign to seasoned investors, can send shivers down the spine of anyone trading on margin. In this article, we'll delve into the intricacies of what a margin call is, what triggers it, and how to navigate its financial implications. Let's demystify the concept of margin calls. Continue reading...

What is Financial Leverage and How Does It Impact Business?

Discover the secret weapon behind successful businesses and savvy investors—financial leverage. Unravel the mysteries of using borrowed capital strategically to expand operations, amplify profits, and drive business growth. In this in-depth analysis, we delve into the world of financial leverage, exploring its advantages, potential pitfalls, and the art of using it effectively. Get ready to master the art of leveraging debt to unlock new opportunities and create lasting value in the dynamic world of finance. Continue reading...

Understanding Stakeholders: Who Are They and How Do They Impact Businesses?

Stakeholders: the unsung heroes behind every successful business venture. These are the entities, be they individuals, groups, or organizations, that hold a vested interest in a company's actions and outcomes. Their roles, ranging from investors and employees to communities and governments, shape the very fabric of business operations. But who are they really? And why are they so crucial? Dive into the intricate dance of stakeholder relationships, where interests meet influence, and discover the art of balancing diverse expectations. As businesses evolve, understanding this complex web becomes paramount. It's not just about profit; it's about harmonizing the myriad voices that contribute to a company's grand performance. Join us as we unravel the enigma of stakeholders and their pivotal role in the corporate world. Continue reading...

What Is Interest and How Does It Impact Financial Transactions?

Interest, often seen as the cost of borrowing, is a cornerstone in the financial world. But what truly lies behind this percentage? From the ancient perceptions of interest to its modern-day complexities, this guide delves deep into the essence of borrowing costs. Discover the dynamic interplay between simple and compound interest, and how they shape financial decisions. Learn about the profound impact of interest rates on the broader economy, from invigorating growth to aligning with fiscal goals. Whether you're borrowing for a home, investing for the future, or simply curious about the numbers on your bank statement, understanding interest is crucial. As we navigate an ever-evolving financial landscape, interest remains at the heart of economic interactions. Equip yourself with the knowledge to make informed decisions in a world where every percentage point matters. Continue reading...

What is FICA and How Does It Impact Your Paycheck?

Unravel the complexities of FICA, the cornerstone of the U.S. social safety net. This guide delves into the Federal Insurance Contributions Act, shedding light on its historical roots, tax rates, and its pivotal role in funding Social Security and Medicare. From the legislation's inception in 1935 to its modern-day implications, understand how FICA taxes impact both employees and employers. Whether you're an individual taxpayer, business owner, or finance enthusiast, this comprehensive overview offers insights into the legislation that safeguards the financial and health well-being of countless Americans. Dive in to demystify FICA's intricate landscape. Continue reading...

What is the Stock Market and How Does It Impact the Economy?

The stock market, often seen as the heartbeat of modern finance, is a realm of endless possibilities and complexities. From its humble beginnings to the bustling global exchanges of today, it serves as a pivotal platform for capital exchange and investment. But what drives its pulse? This guide delves deep into the intricacies of the stock market, shedding light on its core functions, the dance between primary and secondary markets, and the myriad strategies employed by investors. With regulatory oversight ensuring fair play and technological advancements democratizing access, the stock market stands as a testament to economic evolution. Whether you're an aspiring investor or a seasoned trader, understanding the stock market's dynamics is crucial. Embark on a journey through the labyrinth of finance and discover the potential that lies within the world of stocks. Continue reading...