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96b43cbbcb04560f964d149d407cdd19 | https://www.britannica.com/place/Angeles | Angeles | Angeles
Angeles, chartered city, central Luzon, Philippines. The city lies on the principal north-south highway and railway lines 50 miles (82 km) north of Manila. Angeles is the site of Angeles University (founded 1962), a Roman Catholic seminary, and several other colleges. Once known as the “city of the dollar,” An... |
f4db92be4ac8ce55eaf18784dc69040a | https://www.britannica.com/place/Angermanland | Ångermanland | Ångermanland
Ångermanland, landskap (province) in northeastern Sweden. It is bounded on the east by the Gulf of Bothnia, on the south and west by the landskap (provinces) of Medelpad and Jämtland, and on the north by those of Lappland and Västerbotten. The northeastern corner of Ångermanland is included for administra... |
d733d14db09137dfe87652feb6026106 | https://www.britannica.com/place/Angkor-Thom | Angkor Thom | Angkor Thom
1150), and Angkor Thom, a temple complex built about 1200 by King Jayavarman VII. (See also Southeast Asian arts: Kingdom of Khmer: 9th to 13th century.)
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60ca3abfb4c9fe20b59f66864bc104f3 | https://www.britannica.com/place/Angkor/Archaeological-interest-and-preservation-issues | Archaeological interest and preservation issues | Archaeological interest and preservation issues
During the more than four centuries between the demise of the ancient city and the beginning of the modern period (i.e., from the mid-15th century to the late 19th century), interest in Angkor was largely focused on Angkor Wat, which, having been taken over and kept large... |
385c3c953b7ea5f276792c36e4d14dbf | https://www.britannica.com/place/Anglesey | Anglesey | Anglesey
Three counties (shires)—Anglesey, Caernarvonshire, and Merioneth—were created and placed under the custody of a justice of North Wales. In northeastern Wales a fourth county, Flintshire, was attached to the earldom of Chester. In southwestern Wales the counties of Cardiganshire and
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a4576b0236810c3afe92d4158d047560 | https://www.britannica.com/place/Anglo-Belgian-Basin | Anglo-Belgian Basin | Anglo-Belgian Basin
basins, the Paris Basin, the Anglo-Belgian Basin, and the North German Basin have become the standard for comparative studies of the Paleogene part of the Cenozoic, whereas the Mediterranean region (Italy) has become the standard for the Neogene. The Tertiary record of the Paris Basin is essentially... |
a3255b64e55942b6e3584521f1de043e | https://www.britannica.com/place/Angola/Angola-in-the-21st-century | Angola in the 21st century | Angola in the 21st century
By the beginning of the 21st century, hostilities between the government and UNITA had resumed, and the UNITA delegates had been expelled from the government. With the killing of Savimbi by government forces in February 2002, talks began again between the UNITA leadership and the government, ... |
8d29b886ca2d9e4518f5096e25b15961 | https://www.britannica.com/place/Angola/Independence-and-civil-war | Independence and civil war | Independence and civil war
The three liberation movements proved unable to constitute a united front after the Portuguese coup. The FNLA’s internal support had dwindled to a few Kongo groups, but it had strong links with the regime in Zaire and was well armed; it thus made a bid to seize Luanda by force. The MPLA, with... |
6302b4ecb3f66b0ecb994bf600038d6f | https://www.britannica.com/place/Angola/People | People | People
Apart from a few Europeans and isolated bands of Northern Khoisan speakers such as the !Kung (a San group) in the remote southeast, all Angolans speak Bantu languages of the Niger-Congo language family, which dominates western, central, and southern Africa. The largest ethnolinguistic group is the Ovimbundu, who... |
a23229ddfd40a5804d1a0ef6324976c1 | https://www.investopedia.com/ask/answers/101314/what-are-main-reasons-why-there-could-be-negative-gross-profit-margin-and-what-does-it-mean.asp | How Can a Company Have a Negative Gross Profit Margin? | How Can a Company Have a Negative Gross Profit Margin?
Gross profit margin shows how well a company generates revenue from its costs that are directly tied to production. Gross profit margin is used as a metric to assess a company's financial health. Gross margin can also provide insight as to whether their business st... |
e71f56f9bcbab774ec57a5b50107d75f | https://www.investopedia.com/ask/answers/101314/what-are-qualified-retirement-plan-types.asp | What Are Qualified Retirement Plan Types? | What Are Qualified Retirement Plan Types?
A qualified retirement plan is simply a plan that meets the requirements set out in Section 401(a) of the U.S. tax code. This does not mean that other types of plans are not available to build your nest egg. Still, the majority of retirement savings programs offered by employer... |
164cc18380ebd42590beb2d438976ed0 | https://www.investopedia.com/ask/answers/101314/what-difference-between-408-k-plan-and-401-k-plan.asp | 408(k) Plan vs. 401(k) Plan: What's the Difference? | 408(k) Plan vs. 401(k) Plan: What's the Difference?
Both 408(k) and 401(k) refer to sections of the Internal Revenue Code that outline employer-sponsored retirement plans. Both provide guidelines that allow employees to set aside a portion of their paychecks before taxes are taken out to be invested in a special accoun... |
0b31951284906bad3271d33b221e58dc | https://www.investopedia.com/ask/answers/101314/what-difference-between-income-statement-and-balance-sheet.asp | How do the income statement and balance sheet differ? | How do the income statement and balance sheet differ?
Companies produce three major financial statements that reflect their business activities and profitability for each accounting period. These statements are the balance sheet, income statement and statement of cash flows. The cash flow statement shows how well a com... |
7a8ed279fe47b120e0e978a0c0290040 | https://www.investopedia.com/ask/answers/101314/what-do-real-estate-attorneys-do.asp | What Does a Real Estate Attorney Do? | What Does a Real Estate Attorney Do?
Buying a home is probably the biggest investment you'll ever make. In addition to hiring a real estate agent to help negotiate the transaction, you might consider a real estate lawyer to guide you through the legal process. Real estate attorneys specialize in matters related to prop... |
43a9c16ced155c993e7c6ab39f3ddb66 | https://www.investopedia.com/ask/answers/101314/what-does-current-cost-living-compare-20-years-ago.asp | How Does the Current Cost of Living Compare to 20 Years Ago? | How Does the Current Cost of Living Compare to 20 Years Ago?
Many people feel that, even with full-time work, they simply don't have the income necessary to live the lives they want. Even when it comes to just the basic essentials such as food, rent, car payments, or tuition fees, it can often seem that a dollar today ... |
d922b853a4019a76a3d537948e1b12f1 | https://www.investopedia.com/ask/answers/101314/whats-difference-between-renters-insurance-and-homeowners-insurance.asp | Renters Insurance vs. Homeowners Insurance: What's the Difference? | Renters Insurance vs. Homeowners Insurance: What's the Difference?
Whether you rent or own your home, the property, as well as its contents, should be protected with insurance. For those who own homes, homeowners insurance can protect the home and the home's contents. If the home is a rental, the landlord would insure ... |
1dda70a3b2165b4d5314f7cb7f0144ee | https://www.investopedia.com/ask/answers/101314/why-do-real-estate-agents-fail.asp | Why Do Real Estate Agents Fail? | Why Do Real Estate Agents Fail?
Research shows that most real estate agents fail in their first year, and for various reasons. The most common mistakes that agents make is inadequate prospecting, failing to market properties in ways that lead to fast sales, and not following up with their contacts so that strong relati... |
84c02cb73356bab05b46268dade363fc | https://www.investopedia.com/ask/answers/101315/do-lower-interest-rates-increase-investment-spending.asp | Do Lower Interest Rates Increase Investment Spending? | Do Lower Interest Rates Increase Investment Spending?
Lower interest rates encourage additional investment spending, which gives the economy a boost in times of slow economic growth. The Federal Reserve Board, also referred to as "the Fed," is in charge of setting interest rates for the United States through the use ... |
51328c3d99bbb747105737f6ceba78df | https://www.investopedia.com/ask/answers/101315/why-are-mutual-funds-subject-market-risk.asp | Why are mutual funds subject to market risk? | Why are mutual funds subject to market risk?
Like all securities, mutual funds are subject to market, or systematic, risk. This is because there is no way to predict what will happen in the future or whether a given asset will increase or decrease in value. Because the market cannot be accurately predicted or completel... |
d38679499e3cde7a63748c5807f7fd20 | https://www.investopedia.com/ask/answers/101415/are-hedge-funds-registered-securities-and-exchange-commission-sec.asp | Are Hedge Funds Registered with the Securities and Exchange Commission (SEC)? | Are Hedge Funds Registered with the Securities and Exchange Commission (SEC)?
Hedge funds with regulatory assets under management in excess of $100 million are required to register with the U.S. Securities and Exchange Commission (SEC). Advisors who have regulatory capital under management less than $150 million and qu... |
d134fc399e946388dccdbbf9e7b8ed3f | https://www.investopedia.com/ask/answers/101915/should-i-cash-out-mutual-funds-pay-debt.asp | Should I Cash Out of Mutual Funds to Pay Off Debt? | Should I Cash Out of Mutual Funds to Pay Off Debt?
Cashing in your mutual fund is not the best way to become debt free unless you have very high interest rates and an inability to pay on current loans. Depending on the type of retirement account you have, the penalties, fees, and loss of future investment earnings from... |
aa1601db42006e9ff7ed725dc85cf1ad | https://www.investopedia.com/ask/answers/101915/when-are-beneficiaries-will-notified.asp | When the Beneficiaries of a Will Are Notified | When the Beneficiaries of a Will Are Notified
When people die, the distribution of their assets is ideally determined by a clear and legally binding last will and testament. If not, the assets come under the control of the state in which the deceased resided, which determines the best way to distribute them.
Laws ... |
3ede0d231134e9362524c0fdd43655a4 | https://www.investopedia.com/ask/answers/102315/what-are-working-capital-costs.asp | What Are Working Capital Costs? | What Are Working Capital Costs?
Working capital costs (WCC) refer to the costs of maintaining daily operations at an organization. These costs take into account two different factors: the company’s short-term debt position and the current portion of long-term debt, which is generally the portion of debt due within the ... |
24c0e57c5d2089e2824640bf135c82d6 | https://www.investopedia.com/ask/answers/102315/what-can-working-capital-be-used.asp | What Can Working Capital Be Used for? | What Can Working Capital Be Used for?
Working capital is the money used to cover all of a company's short-term expenses, including inventory, payments on short-term debt, and day-to-day expenses—called operating expenses. Working capital is critical since it is used to keep a business operating smoothly and meet all it... |
a293d9e88c9780c676e0e2440c7c3f12 | https://www.investopedia.com/ask/answers/102714/401k-qualified-retirement-plan.asp | Is a 401(k) a Qualified Retirement Plan? | Is a 401(k) a Qualified Retirement Plan?
Yes, a 401(k) is usually a qualified retirement plan. So what exactly does that mean?
Qualified Retirement Plans
Qualified retirement plans must satisfy Internal Revenue Service (IRS) requirements for both setup and operations. These requirements are detailed in Internal Reven... |
9ee9186adc58a9ad6074ca1051f03ec1 | https://www.investopedia.com/ask/answers/102714/are-simple-ira-plans-subject-erisa.asp | Are SIMPLE IRA Plans Subject to ERISA Rules? | Are SIMPLE IRA Plans Subject to ERISA Rules?
The Employee Retirement Income Security Act (ERISA) covers most employer-sponsored retirement plans including SIMPLE individual retirement accounts (IRAs). SIMPLE IRAs were designed to make it easy for businesses with fewer than 100 employees to set up a tax-advantaged ret... |
f9cec3ed9c810958e0270cc1246ce2bb | https://www.investopedia.com/ask/answers/102714/can-i-buy-etfs-my-roth-ira.asp | Can I Buy ETFs for My Roth IRA? | Can I Buy ETFs for My Roth IRA?
When your Roth IRA is held by a brokerage, the firm can facilitate the purchase of exchange traded funds (ETFs).
Including ETFs in your Roth IRA can be an inexpensive and effective way of investing in your retirement. The returns you'll see from adding carefully selected ETFs are magnifi... |
527e13ff3593f730a2e6e4258fddd95d | https://www.investopedia.com/ask/answers/102714/how-and-when-are-stock-dividends-paid-out.asp | How and When Are Stock Dividends Paid Out? | How and When Are Stock Dividends Paid Out?
If a company has excess earnings and decides to pay a dividend to common shareholders, then an amount is declared, in addition to the date when this amount will be paid out to the shareholders. Usually, both the date and the amount is determined on a quarterly basis, after a c... |
699e82df825ddc4250e4c81a957e330e | https://www.investopedia.com/ask/answers/102714/how-are-effective-tax-rates-calculated-income-statements.asp | How Effective Tax Rate is Calculated from Income Statements | How Effective Tax Rate is Calculated from Income Statements
The average tax rate paid by a corporation or individual is the effective tax rate. Effective tax rate typically applies to federal income taxes and doesn't take into account state and local income taxes, sales taxes, property taxes, or other types of taxes an... |
8f4a0227678e21fce8364d003b9b0340 | https://www.investopedia.com/ask/answers/102714/how-are-ira-withdrawals-taxed.asp | How Are IRA Withdrawals Taxed? | How Are IRA Withdrawals Taxed?
The way individual retirement account (IRA) withdrawals are taxed depends on the type of IRA. You'll pay tax on withdrawals from a traditional IRA, but with a Roth IRA, there is no tax due at withdrawal on either contributions or earnings, provided you meet certain requirements.
In gene... |
39b7a696ad8e9ffbbaf97aee2731d677 | https://www.investopedia.com/ask/answers/102714/how-are-preferred-stock-dividends-taxed.asp | How Are Preferred Stock Dividends Taxed? | How Are Preferred Stock Dividends Taxed?
Though preferred stock dividends are fixed like interest on a bond, they are taxed differently. Many preferred dividends are qualified and are taxed at a lower rate than normal income. Except for investors in the highest tax bracket who pay 20% on qualified dividends, most prefe... |
076171d284a8e52581e93f956dcddfbc | https://www.investopedia.com/ask/answers/102714/how-are-social-security-benefits-affected-your-income.asp | How Are Social Security Benefits Affected by Your Income? | How Are Social Security Benefits Affected by Your Income?
Your Social Security benefits are determined by a number of factors, but your earned income over the course of your working life is probably the most important.
Key Takeaways Your Social Security benefits will be based on the income you earned during your work... |
faf4999019cdc7b07d177f140f8e01c2 | https://www.investopedia.com/ask/answers/102714/how-do-i-report-simple-ira-contributions-w2.asp | How Do I Report SIMPLE IRA Contributions on a W-2? | How Do I Report SIMPLE IRA Contributions on a W-2?
A Savings Incentive Match Plan for Employees IRA (SIMPLE IRA) is an employer-sponsored retirement plan, similar to a 401(k), in which employees and employers can both contribute to the employee's plan. SIMPLE IRAs are available to employers with up to 100 employees. ... |
82a375b67bca3616d469dcac078d496e | https://www.investopedia.com/ask/answers/102714/how-stock-market-affected-thanksgiving-and-black-friday.asp | How Thanksgiving and Black Friday Affect Stocks | How Thanksgiving and Black Friday Affect Stocks
Black Friday is the name given to the first day after Thanksgiving. It is one of the most important retail and spending events in the United States. Every holiday season prognosticators make predictions about the level of sales on Black Friday, and investor confidence may... |
ddc98f3d83489ec2771ba8c83be5e803 | https://www.investopedia.com/ask/answers/102714/ira-qualified-plan.asp | Is an IRA a Qualified Plan? | Is an IRA a Qualified Plan?
A qualified retirement plan is an investment plan offered by an employer that qualifies for tax breaks under the Internal Revenue Service (IRS) and ERISA guidelines. An individual retirement account (IRA) is not offered (with the exception of SEP IRAs and SIMPLE IRAs) by an employer. A tradi... |
f77afc23a2ec2d1dd824a765f6a1fbbb | https://www.investopedia.com/ask/answers/102714/what-accounting-treatment-unusual-or-infrequent-items-ifrs-and-us-gaap.asp | How Are Unusual or Infrequent Items Treated for IFRS and U.S. GAAP? | How Are Unusual or Infrequent Items Treated for IFRS and U.S. GAAP?
There are significant differences in the way the U.S. generally accepted accounting principles (GAAP) and the International Financial Reporting Standards (IFRS) treat income or expense items that are unusual or infrequent, also known as nonrecurring. T... |
a699185507c8f453da0faeb1e53d1fec | https://www.investopedia.com/ask/answers/102714/what-are-difference-between-gross-revenue-reporting-and-net-revenue-reporting.asp | Gross Revenue vs. Net Revenue Reporting: What's the Difference? | Gross Revenue vs. Net Revenue Reporting: What's the Difference?
Gross Revenue vs. Net Revenue Reporting: An Overview
Recognizing and reporting revenue are critical and complex problems for accountants. Many investors also report their income, and the difference between net and gross revenue for a small business can hav... |
ce9730cb12a49a2d760667d7c8bdf6cc | https://www.investopedia.com/ask/answers/102714/what-are-differences-between-10k-report-and-firms-own-annual-report.asp | Annual Report vs. 10-K: What's the Difference? | Annual Report vs. 10-K: What's the Difference?
Annual Report vs. 10-K: An Overview
Publicly traded companies in the U.S. are required to file a host of documents with the Securities and Exchange Commission (SEC). This includes revealing information about their finances and future plans.
Two of the most important for in... |
707903b2e948aaaba6c084274f69d3fa | https://www.investopedia.com/ask/answers/102714/what-are-differences-between-dilutive-securities-and-antidilutive-securities.asp | Dilutive Securities vs. Anti-Dilutive Securities: What's the Difference? | Dilutive Securities vs. Anti-Dilutive Securities: What's the Difference?
Dilutive vs. Anti-Dilutive: An Overview
Publicly traded companies can offer either dilutive or anti-dilutive securities. These terms commonly refer to the potential impact of any securities on the stock's earnings per share. The fundamental concer... |
3f8d386f11a2991259400a2017c332e6 | https://www.investopedia.com/ask/answers/102714/what-are-differences-between-registered-retirement-savings-plan-rrsp-and-registered-pension-plan-rpp.asp | RRSP vs. RPP: What's the Difference | RRSP vs. RPP: What's the Difference
Registered Retirement Savings vs. Registered Pension: An Overview
Registered retirement savings plans (RRSP) and registered pension plans (RPP) are both retirement savings plans that are registered with the Canada Revenue Agency (CRA). RRSPs are individual retirement plans, while RPP... |
cddc65abfeb52323821fcfa82997d8ae | https://www.investopedia.com/ask/answers/102714/what-are-differences-between-simple-ira-and-traditional-ira.asp | SIMPLE IRA vs. Traditional IRA: What's the Difference? | SIMPLE IRA vs. Traditional IRA: What's the Difference?
SIMPLE IRA vs. Traditional IRA: An Overview
A traditional IRA is set up by an individual on their own behalf to save for retirement, whereas a SIMPLE IRA is set up by a small business owner on behalf of an employee (including the owner if they are a sole proprietor... |
883f960423d4463bf17fd37dc91572e1 | https://www.investopedia.com/ask/answers/102714/what-are-risks-associated-roth-ira.asp | Disadvantages of Roth IRAs | Disadvantages of Roth IRAs
A Roth IRA is a retirement savings account that holds investments that you choose using after-tax money. Roth IRAs offer many benefits, and the greatest of them is the fact that your retirement money and its earnings will never be taxed again. But they're not the right choice for every inve... |
defbcb84e2803a5df55bd424bb9699f0 | https://www.investopedia.com/ask/answers/102714/whats-difference-between-profit-margin-and-markup.asp | Profit Margin vs. Markup: What's the Difference? | Profit Margin vs. Markup: What's the Difference?
Profit Margin vs. Markup: An Overview
Profit margin and markup are separate accounting terms that use the same inputs and analyze the same transaction, yet they show different information. Both profit margin and markup use revenue and costs as part of their calculations.... |
94a9b55e5e55a8eccdc1f5268b601ea2 | https://www.investopedia.com/ask/answers/102715/do-mutual-funds-pay-dividends-or-interest.asp | Do mutual funds pay dividends or interest? | Do mutual funds pay dividends or interest?
Depending on the type of investments included in the portfolio, mutual funds may pay dividends, interest, or both.
Types of Mutual Funds
There are four main categories of mutual funds, and each category suits different investing goals. Stock funds include only investments in t... |
9380d40b1ccb7008a0a28871dab73c54 | https://www.investopedia.com/ask/answers/102715/what-are-vanguards-admiral-shares.asp | What Are Vanguard's Admiral Shares? | What Are Vanguard's Admiral Shares?
Admiral Shares represent a separate class of shares in Vanguard-administered mutual funds, offering lower fees compared to the standard Investor Share class. Vanguard offers Admiral Shares across a select group of mutual funds and requires investors to have a minimum investment in a ... |
e9a0f4b2962784dfeb170358f9e6fc9d | https://www.investopedia.com/ask/answers/102814/are-social-security-survivor-benefits-children-considered-taxable-income.asp | Social Security Survivor Benefits for Children: Are They Taxable? | Social Security Survivor Benefits for Children: Are They Taxable?
Social Security survivor benefits for children are considered taxable income only for the children who are entitled to receive them, even if the checks are made out to a parent or guardian. Most children do not make enough in a year to owe any taxes.
Key... |
a87b29e88cb8347ee5103a9c69cd9878 | https://www.investopedia.com/ask/answers/102814/do-inquiries-preapproved-offers-affect-my-credit-score.asp | Do Inquiries for Pre-approved Offers Affect My Credit Score? | Do Inquiries for Pre-approved Offers Affect My Credit Score?
Inquiries for pre-approved offers do not affect your credit score unless you follow through and apply for the credit.
If you read the fine print on the offer, you'll find it's not really "pre-approved." Anyone who receives an offer still must fill out an appl... |
42a4fd20188f73347c706dc719f1daeb | https://www.investopedia.com/ask/answers/102814/how-long-are-credit-ratings-valid.asp | How Long are Credit Ratings Valid? | How Long are Credit Ratings Valid?
Corporations have two ways of raising capital to finance their growth or any other business needs: equity financing and debt financing. Equity financing most often takes the form of issuing stocks to the public and results in investors owning a portion of the company. Debt financing c... |
23bc57c7df1fd2e78bd4ae1efc744353 | https://www.investopedia.com/ask/answers/102814/how-much-will-it-cost-hire-accountant-do-my-taxes.asp | How Much Will it Cost to Hire an Accountant to Do My Taxes? | How Much Will it Cost to Hire an Accountant to Do My Taxes?
The cost of hiring a professional accountant to do your taxes varies based on your situation and what tax forms you are required to file. The average cost of hiring a certified public accountant (CPA) to prepare and submit a Form 1040 and state return with no ... |
3a8439f72014d48b8195de864532601e | https://www.investopedia.com/ask/answers/102814/it-possible-collect-spousal-social-security-benefits-i-collect-my-own.asp | Have I Lost the Right to Collect Spousal Social Security Benefits Before My Own? | Have I Lost the Right to Collect Spousal Social Security Benefits Before My Own?
If you didn't reach age 62 by Dec. 31, 2015, you can not claim spousal Social Security benefits and later switch to claiming your own benefit. A federal law passed in 2015 eliminated that strategy, which some couples once used to maximize ... |
87d6de999ec8274b366b5bb9badf9727 | https://www.investopedia.com/ask/answers/102814/what-are-basic-requirements-qualify-payday-loan.asp | What Are the Basic Requirements to Qualify for a Payday Loan? | What Are the Basic Requirements to Qualify for a Payday Loan?
Payday loans, also known as cash advances, are short-term, low-balance, high-interest loans typically at usury rates. They are so-named because of a tendency for the funds to be borrowed on a post-dated check or account-withdrawal authorization effective on ... |
696705450359d9c5fc1a2fcbd8c21148 | https://www.investopedia.com/ask/answers/102814/what-are-most-common-reasons-credit-limit-increase-requests-are-declined.asp | What are the most common reasons credit limit increase requests are declined? | What are the most common reasons credit limit increase requests are declined?
When you request a credit limit increase from your credit card provider, your current debt-to-income ratio and your projected debt-to-income ratio after the increase are considered. While raising your credit limit is a good way to boost your ... |
f6857cf9811bd098cbbd60fb6c1efdea | https://www.investopedia.com/ask/answers/102814/what-debt-cannot-be-discharged-when-filing-bankruptcy.asp | What Debt Cannot Be Discharged When Filing for Bankruptcy? | What Debt Cannot Be Discharged When Filing for Bankruptcy?
Bankruptcy offers people who are overwhelmed by debt an opportunity for a fresh start through either liquidation (Chapter 7) or reorganization (Chapter 13). In both cases, the bankruptcy court can discharge certain debts. Once a debt has been discharged, the cr... |
f76fb551d6e2edef167966bca43a50a4 | https://www.investopedia.com/ask/answers/102915/what-expense-ratio-insurance-industry.asp | What Is the Expense Ratio in the Insurance Industry? | What Is the Expense Ratio in the Insurance Industry?
The expense ratio in the insurance industry is a measure of profitability calculated by dividing the expenses associated with acquiring, underwriting, and servicing premiums by the net premiums earned by the insurance company.
The expenses can include advertising, em... |
02f31d89cb08655c8706b92ed8134b09 | https://www.investopedia.com/ask/answers/110415/what-are-dormancy-and-escheatment-rules-iras.asp | What Are the Dormancy and Escheatment Rules for IRAs? | What Are the Dormancy and Escheatment Rules for IRAs?
The dormancy and escheatment rules for IRAs vary by state, as they do for all financial assets subject to escheatment. This means, whatever state you live in may impact the terms of your IRA.
However, regardless of the state, the dormancy period for IRAs is slightly... |
f3a13b84a249ffc6758c3822735acbcc | https://www.investopedia.com/ask/answers/110614/how-can-i-receive-my-social-security-benefits-if-i-want-retire-outside-us.asp | Receiving Social Security Benefits Abroad | Receiving Social Security Benefits Abroad
If you are planning to retire abroad, you may be concerned about whether you'll still be able to collect your Social Security retirement, disability, or survivors benefits. In most cases, the answer is yes. However, there are some exceptions.
Key Takeaways If you are a U.S. ci... |
706f1c0008fa5053ce834f3f5d45c2c8 | https://www.investopedia.com/ask/answers/110614/how-does-my-spousal-social-security-benefit-work.asp | How Does My Spousal Social Security Benefit Work? | How Does My Spousal Social Security Benefit Work?
If you have never worked or paid Social Security taxes (or didn't pay them for long enough), you won't be eligible to claim Social Security retirement benefits on your own account. However, you may be able to receive spousal benefits through your spouse's account. You c... |
1b24a2ec684d769baf95440df9f4a5e7 | https://www.investopedia.com/ask/answers/110614/how-social-security-trust-fund-invested.asp | How Is the Social Security Trust Fund Invested? | How Is the Social Security Trust Fund Invested?
The Social Security Trust Fund is an account managed by the United States Treasury that takes in Social Security payroll taxes from workers and their employers and pays out benefits to Social Security recipients.
Key Takeaways The Social Security Trust Fund receives payr... |
03d37a47f1063f4ae201861c5a8e3e33 | https://www.investopedia.com/ask/answers/110614/how-will-debt-settlement-affect-my-credit-score.asp | How Will Debt Settlement Affect My Credit Score? | How Will Debt Settlement Affect My Credit Score?
Answer: Not in a good way. Debt settlement typically has a negative impact on your credit score. How negative depends on many factors: the current condition of your credit, the reporting practices of your creditors, the size of the debts being settled, whether your other... |
3a5a30b890e86538c47c2cfdb61a5d4e | https://www.investopedia.com/ask/answers/110614/what-are-differences-between-revolving-credit-and-installment-credit.asp | Revolving Credit vs. Installment Credit: What's the Difference? | Revolving Credit vs. Installment Credit: What's the Difference?
Revolving Credit vs. Installment Credit: An Overview
There are two fundamental types of credit repayments: revolving credit and installment credit. Borrowers repay installment credit loans with scheduled, periodic payments. This type of credit involves the... |
2049f5b062a5f354051b300b9c4d9540 | https://www.investopedia.com/ask/answers/110614/what-are-differences-between-revolving-credit-and-line-credit.asp | Revolving Credit vs. Line of Credit: What's the Difference? | Revolving Credit vs. Line of Credit: What's the Difference?
Revolving Credit vs. Line of Credit: An Overview
Revolving credit and line of credit (LOC) are two types of financing arrangements available to both business and personal clients. Both revolving and lines of credit provide the borrower with purchase flexibilit... |
1200794f7df822dba44741faa5704a67 | https://www.investopedia.com/ask/answers/110614/what-are-main-categories-debt.asp | What are the main categories of debt? | What are the main categories of debt?
Most Americans encounter some form of debt in their lives. However, not all debts are created equally and some are considered better than others. Indeed, while debt comes in several forms, all personal debt (not corporate or government debt) can be categorized within a few main typ... |
ac38483445dd99ed7658fcafd95e0130 | https://www.investopedia.com/ask/answers/110614/what-are-social-security-credits-and-how-can-i-earn-them.asp | Social Security Credits | Social Security Credits
What are Social Security Credits?
To determine who is eligible for various benefits, the Social Security Administration (SSA) uses a system of credits that establish whether minimum work requirements have been met. Credits are based on the amount of time someone spends in the workforce and, to a... |
5709b49cb8728e9fb63b6c0ee560f7e8 | https://www.investopedia.com/ask/answers/110614/what-difference-between-secured-and-unsecured-debts.asp | Unsecured vs. Secured Debts: What’s the Difference? | Unsecured vs. Secured Debts: What’s the Difference?
Unsecured vs. Secured Debts: An Overview
Loans and other financing methods available to consumers generally fall under two main categories: secured and unsecured debt. The primary difference between the two is the presence or absence of collateral, which is backing th... |
e4927d4d73a8d5a8e71d30662e40f411 | https://www.investopedia.com/ask/answers/110614/what-do-letters-symbols-credit-ratings-mean.asp | How Credit is Scored/Rated for Individuals, Companies, and Governments | How Credit is Scored/Rated for Individuals, Companies, and Governments
The letters or numbers used to express a credit rating or credit score express the creditworthiness of the individual, business, or government being assessed. Credit ratings are usually expressed in letters such as "AAA" or "BB." Credit scores, whic... |
f06d2851e1a074177d2901805f467f9c | https://www.investopedia.com/ask/answers/110614/whats-difference-between-credit-rating-agency-and-credit-bureau.asp | Credit Rating Agency vs. Credit Bureau: What's the Difference? | Credit Rating Agency vs. Credit Bureau: What's the Difference?
Credit Rating Agency vs. Credit Bureau: An Overview
It is easy to confuse credit bureaus and credit rating agencies, especially as credit bureaus are sometimes called "credit reporting agencies." Credit rating agencies, such as Standard and Poor's, are resp... |
8f14b63a331cf51831f4f0f5ff17e4ba | https://www.investopedia.com/ask/answers/110614/whats-difference-between-debt-consolidation-and-debt-settlement.asp | What’s the Difference Between Debt Consolidation and Debt Settlement? | What’s the Difference Between Debt Consolidation and Debt Settlement?
Debt consolidation and debt settlement are both financial strategies for improving personal debt load, but they function quite differently and are used to resolve different issues. At a very basic level, debt settlement is useful for reducing the tot... |
d7f3fe74334c09a2af67e923d52f8367 | https://www.investopedia.com/ask/answers/110615/when-are-mutual-fund-orders-executed.asp | When Are Mutual Fund Orders Executed? | When Are Mutual Fund Orders Executed?
Whether you are buying or selling shares in a mutual fund, most mutual funds execute trades once per day at 4 p.m. Eastern Time, after the close of the market. They are typically posted by 6 p.m. Trade orders can be entered through a broker, a brokerage, an advisor or directly thro... |
2434c16bc598974c89d2d1e0edc11367 | https://www.investopedia.com/ask/answers/110915/does-fdic-cover-business-accounts.asp | Does the FDIC Cover Business Accounts? | Does the FDIC Cover Business Accounts?
Does the FDIC Cover Business Accounts?
The Federal Deposit Insurance Corporation (FDIC) was created in 1933 as part of the U.S. federal government’s response to the stock market crash of 1929 and the Great Depression that followed.
A very important piece of resulting legislation, ... |
d4ede4a78da25a7c30928e209268e9f3 | https://www.investopedia.com/ask/answers/111115/how-can-you-reclaim-escheated-or-unclaimed-property.asp | How Can You Reclaim Unclaimed Property? | How Can You Reclaim Unclaimed Property?
States return billions of dollars worth of unclaimed property every year. Unclaimed property generally consists of unclaimed money in financial and bank accounts that have sat dormant for more than a year. Find out how to check if you have any unclaimed property and how to claim ... |
eaef757658cec057b5a1fdfd8d268d77 | https://www.investopedia.com/ask/answers/111115/which-mutual-funds-made-money-2008.asp | Which Mutual Fund Made Money in 2008? Forester Value Did. | Which Mutual Fund Made Money in 2008? Forester Value Did.
Equity investors did not have much to cheer about in 2008. As the global banking system teetered on the brink of collapse, equity markets went into free fall, shredding trillions of dollars in a matter of months. According to Morningstar, Inc., the leading provi... |
3bc8bc227d1dbcae4fd1c7ca0b1d2762 | https://www.investopedia.com/ask/answers/111314/how-are-savings-bonds-taxed.asp | How Are Savings Bonds Taxed? | How Are Savings Bonds Taxed?
How Are Savings Bonds Taxed?
According to Treasury Direct, interest from EE U.S. savings bonds is taxed at the federal level but not at the state or local levels for income. Bonds typically earn interest, which is the amount that a bond can be redeemed for above its face value. The face val... |
3d721aabf3b74cf94a41ca70452bb3d9 | https://www.investopedia.com/ask/answers/111314/how-can-i-borrow-money-my-life-insurance-policy.asp | How Can I Borrow Money From My Life Insurance Policy? | How Can I Borrow Money From My Life Insurance Policy?
While borrowing from your life insurance policy can be a quick and easy way to get cash in hand when you need it, there are a few specifics to know before borrowing. Most importantly, you can only borrow against a permanent or whole life insurance policy.
Term life ... |
e1448c8b41bef55221ea3e1a4d00d1e4 | https://www.investopedia.com/ask/answers/111314/how-does-grace-period-work-my-flexible-spending-account-fsa.asp | How Grace Periods for Flexible Spending Accounts (FSAs) Work | How Grace Periods for Flexible Spending Accounts (FSAs) Work
Some employers offer the grace period option for their employee's flexible spending account (FSA). The grace period is applicable to a health FSA and a dependent care FSA. It begins the day following the end of the plan year and lasts for two and a half month... |
e8de0874cd646de228ef134906dc45a0 | https://www.investopedia.com/ask/answers/111314/what-are-pros-and-cons-life-insurance-policy-loans.asp | What are the pros and cons of life insurance policy loans? | What are the pros and cons of life insurance policy loans?
Like any type of loan, life insurance policy loans come with pros and cons. It is important to look at both aspects before deciding whether to borrow against your whole life insurance policy.
Pros of a Life Insurance Policy Loan
Getting a life insurance policy ... |
871786d36ecfe7ff8cd6b1bab013af4a | https://www.investopedia.com/ask/answers/111314/what-difference-between-dividend-yield-and-dividend-payout-ratio.asp | How the Dividend Yield and Dividend Payout Ratio Differ | How the Dividend Yield and Dividend Payout Ratio Differ
When comparing the two measures of dividends, it's important to know that the dividend yield tells you what the simple rate of return is in the form of cash dividends to shareholders, but the dividend payout ratio represents how much of a company's net earnings ar... |
e7d32dd62a4a7cbc5949d8a0977b4f5e | https://www.investopedia.com/ask/answers/111314/what-methods-can-government-use-control-inflation.asp | How Do Governments Reduce Inflation? | How Do Governments Reduce Inflation?
Inflation occurs when an economy grows due to increased spending. When this happens, prices rise and the currency within the economy is worth less than it was before. The currency essentially won’t buy as much as it would before. When a currency is worth less, its exchange rate weak... |
61d56050aa12d0dfdf43eccb72f1633c | https://www.investopedia.com/ask/answers/111314/whats-difference-between-free-cash-flow-and-operating-cash-flow.asp | Free Cash Flow vs. Operating Cash Flow: What's the Difference? | Free Cash Flow vs. Operating Cash Flow: What's the Difference?
Free Cash Flow vs. Operating Cash Flow: An Overview
Free cash flow is the cash that a company generates from its normal business operations after subtracting any money spent on capital expenditures. Capital expenditures or CAPEX for short, are purchases of ... |
7be0f148e1e7b51bfb5d41a14b052ee6 | https://www.investopedia.com/ask/answers/111314/whats-difference-between-grace-period-and-moratorium-period.asp | Grace Period vs. Moratorium Period: What's the Difference? | Grace Period vs. Moratorium Period: What's the Difference?
Grace Period vs. Moratorium Period: An Overview
While they may sound similar, there are some key differences between a grace period and a moratorium period. Learn more about both and how to utilize them in your financial planning strategies.
Key Takeaways A g... |
83c3e6a049c5fe96247763227655e6af | https://www.investopedia.com/ask/answers/111315/homeowners-insurance-tax-deductible.asp | Is Homeowners Insurance Tax-Deductible? | Is Homeowners Insurance Tax-Deductible?
Generally, homeowners insurance is not tax-deductible, nor are premiums, even though your premiums may be included in your mortgage payments. Why? Because homeowners insurance is not considered nondeductible expenses by the Internal Revenue Service (IRS).
What does this mean for ... |
a826be69235d41da4c08180bc3c146e8 | https://www.investopedia.com/ask/answers/111414/how-can-i-find-good-investments-among-lower-rated-bonds.asp | Are high yield bonds a good investment? | Are high yield bonds a good investment?
Bonds are rated according to their risk of default by independent credit rating agencies such as Moody's, Standard & Poor's and Fitch. Those with lower ratings have higher risks associated with them that investors should consider. Due to increased risks, these bonds typically car... |
62c982a3143de781ae4866917480b6d2 | https://www.investopedia.com/ask/answers/111414/how-do-leverage-ratios-help-regulate-how-much-banks-lend-or-invest.asp | How Do Leverage Ratios Help to Regulate How Much Banks Lend or Invest? | How Do Leverage Ratios Help to Regulate How Much Banks Lend or Invest?
Banks are among the most leveraged institutions in the United States. The combination of fractional-reserve banking and Federal Deposit Insurance Corporation (FDIC), protection has produced a banking environment with limited lending risks.
To compen... |
a91760c57e88f330249c6779624afb14 | https://www.investopedia.com/ask/answers/111414/how-does-interest-work-cash-advance-my-credit-card.asp | How Interest Works on a Credit Card Cash Advance | How Interest Works on a Credit Card Cash Advance
When people are in need of cash, they don’t always stop to think through the best means for acquiring it. Generally, the cash is to pay for something they need or something they want.
Often, however, they can get that something by buying it with their credit card, even i... |
a47eb2d617172e132d1c48441a833ce9 | https://www.investopedia.com/ask/answers/111414/what-difference-between-inflation-and-deflation.asp | Inflation vs. Deflation: What's the Difference? | Inflation vs. Deflation: What's the Difference?
Inflation vs. Deflation: An Overview
Inflation occurs when the prices of goods and services rise, while deflation occurs when those prices decrease. The balance between these two economic conditions, opposite sides of the same coin, is delicate and an economy can quickly ... |
695823a4a9437c0fc31e32c67f264705 | https://www.investopedia.com/ask/answers/111615/can-i-get-dental-insurance-obamacare.asp | Can I Get Dental Insurance With Obamacare? | Can I Get Dental Insurance With Obamacare?
Does Obamacare cover dental insurance? The short answer is yes. You actually obtain dental coverage through the Patient Protection and Affordable Care Act. Obamacare is just a slang term for it. You can use the federal health insurance marketplace at healthcare.gov to find a... |
df39d33c2626b01597d2b57eb41713d8 | https://www.investopedia.com/ask/answers/111615/does-dental-insurance-cover-teeth-whitening.asp | Does Dental Insurance Cover Teeth Whitening? | Does Dental Insurance Cover Teeth Whitening?
Approximately 77% of Americans have dental insurance, but it does not tend to cover any sort of cosmetic procedures, including teeth whitening procedures.
Key Takeaways Most dental insurance policies do not cover any cosmetic treatments. There are three types of coverage... |
b4850aa0cc68918af11c1c1b7968a04a | https://www.investopedia.com/ask/answers/111615/does-money-flexible-spending-account-fsa-roll-over.asp | Does Money in a Flexible Spending Account (FSA) Roll Over? | Does Money in a Flexible Spending Account (FSA) Roll Over?
A flexible spending account (FSA) is an account into which a worker can contribute pre-tax dollars to pay for qualified medical expenses, including co-pays, prescription medications, chiropractor visits, eyeglasses, and LASIK surgery (see a full list at IRS pub... |
1641aeeb7b295de6f0c786f73037db4e | https://www.investopedia.com/ask/answers/111615/how-do-you-cancel-netspend-card.asp | How Do You Deactivate or Cancel a Netspend Card? | How Do You Deactivate or Cancel a Netspend Card?
Netspend was founded in 1999 and is a provider of prepaid debit cards for both personal and commercial customers. According to its website, Netspend serves 68 million underbanked consumers. Those who use Netspend generally don't have a traditional bank account or choose ... |
93bff846dfe203e7289a53b14e103501 | https://www.investopedia.com/ask/answers/111615/how-does-carecredit-pets-work.asp | CreditCare for Pets: How Does it Work? | CreditCare for Pets: How Does it Work?
Often pet owners look upon their animals as four-legged family members, and like health and dental care for families, veterinary medicine is usually expensive. According to the American Pet Products Association's 2019-2020 National Pet Owners Survey, 67 percents of U.S. households... |
ce374ac730261dac544d64b8577ca1e8 | https://www.investopedia.com/ask/answers/111714/how-long-will-it-take-bond-reach-its-face-value.asp | How Long Will It Take for a Savings Bond to Reach Its Face Value? | How Long Will It Take for a Savings Bond to Reach Its Face Value?
The time it takes a savings bond to reach face (par) value depends on the series of bond and the value at which it was sold. There are presently three different series of U.S. savings bonds. Series EE and Series I are intended to be savings bonds, and Se... |
0e6343d07a90d4e34bf74c6b7d048c25 | https://www.investopedia.com/ask/answers/111714/what-difference-between-cash-flow-and-free-cash-flow.asp | How Are Cash Flow and Free Cash Flow Different? | How Are Cash Flow and Free Cash Flow Different?
Cash flow and free cash flow are both important financial metrics used to determine the liquidity of a company. However, there are distinct differences between the two that allows investors to see how a company is generating cash and how it's spending it.
Cash Flow
Cash f... |
f69c7c4a652af120d6d689919a9a1bd5 | https://www.investopedia.com/ask/answers/111714/whats-difference-between-levered-and-unlevered-free-cash-flow.asp | Levered Cash Flow vs. Unlevered Free Cash Flow: What's the Difference? | Levered Cash Flow vs. Unlevered Free Cash Flow: What's the Difference?
What Is Levered Cash Flow vs. Unlevered Free Cash Flow?
The difference between levered and unlevered free cash flow is expenses. Levered cash flow is the amount of cash a business has after it has met its financial obligations. Unlevered free cash f... |
d5016fca9b94e628d9eb484b8529fcb1 | https://www.investopedia.com/ask/answers/111715/can-flexible-spending-account-fsa-be-used-spouse.asp | Who Can Use Your Flexible Spending Account (FSA)? | Who Can Use Your Flexible Spending Account (FSA)?
What Is a Flexible Spending Account (FSA)?
The U.S. Internal Revenue Service (IRS) allows flexible spending account (FSA) funds to be used for qualified medical expenses incurred by an account owner and their spouse. Additionally, the IRS allows FSA funds to be used b... |
5f7c57e554c4ddfd54bdd3711a61afef | https://www.investopedia.com/ask/answers/111715/do-401k-savings-earn-interest.asp | Do 401(k) Savings Earn Interest? | Do 401(k) Savings Earn Interest?
While there are a wide array of investment accounts available to investors, one of the most common for employees is the 401(k). This account, which is the hallmark of the defined-contribution retirement plans that most employers provide, allows investors to make retirement contributions... |
e1ffa76df6cc6b1ea589bc2d093d830d | https://www.investopedia.com/ask/answers/111815/does-fdic-cover-identity-theft.asp | Does the FDIC Cover Identity Theft? | Does the FDIC Cover Identity Theft?
The Federal Deposit Insurance Corporation (FDIC) provides protection for deposits in U.S. banks and thrifts in the event of a bank failure. It does not provide protection against identity theft. When a third party gains access to your bank account and conducts transactions without yo... |
e6979c4b3918b2eb5876993993c1de99 | https://www.investopedia.com/ask/answers/111915/how-do-netspend-cards-work.asp | How Do Netspend Cards Work? | How Do Netspend Cards Work?
Founded in 1999, Netspend is a leading provider of prepaid debit cards, prepaid debit Mastercard and Visa cards, and commercial prepaid card solutions, with over 10 million customers served in the U.S. Netspend cards are not a scam. There are several ways you can apply for a Netspend card. O... |
87ddfb452af80da8293c3c72fca434e5 | https://www.investopedia.com/ask/answers/112315/can-llcs-have-employees.asp | Can LLCs Have Employees? | Can LLCs Have Employees?
A limited liability company (LLC) is a business structure that, depending on various factors, may be treated as either a corporation, a partnership, or sole owner business. Owners of an LLC are called members, which can be corporations, individuals, and even other LLCs.
An LLC can have an unlim... |
099a42d0b9ea243001fca2894378eac7 | https://www.investopedia.com/ask/answers/112315/does-flexible-spending-account-fsa-cover-acupuncture.asp | Does an FSA Cover Acupuncture? | Does an FSA Cover Acupuncture?
A Flexible Spending Account (FSA) covers acupuncture. The Internal Revenue Service (IRS) has defined acupuncture as a qualifying medical expense.
Qualifying Medical Expenses
For anything to be covered under your FSA, it must be a qualified medical expense. Most qualifying medical exp... |
7f823768eae213ef0b6c994c6492fa3e | https://www.investopedia.com/ask/answers/112415/are-catchup-contributions-included-415-limit.asp | Are Catch-up Contributions Included in the 415 Limit? | Are Catch-up Contributions Included in the 415 Limit?
Unlike regular employee deferrals, catch-up contributions are not included in the 415 limit. While there is an annual limit imposed on catch-up contributions, it is designated by a different section of the Internal Revenue Service (IRS) code governing contributions ... |
ea197f126cf2be86286f1f8c1eeaf7ea | https://www.investopedia.com/ask/answers/112415/can-catchup-contributions-be-matched.asp | Can Retirement Catch-Up Contributions Be Matched? | Can Retirement Catch-Up Contributions Be Matched?
Depending on the terms of your employer’s 401(k) plan, catch-up contributions made to 401(k)s or other qualified retirement savings plans can be matched by employer contributions. However, the matching of catch-up contributions is not required. Also, the Internal Revenu... |
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