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is face value the same as par value | yes face value refers to the dollar value of a financial instrument when it is issued the face value of a bond is the price that the issuer pays at the time of maturity also referred to as par value by comparison the face value of a stock is the price set by the issuer when the stock is first issued | |
what is the difference between face value and market value | while face value is the original price of a stock as set by its issuer market value is influenced by supply and demand market value is the price that the market will bear and it can differ significantly from a stock s initial price for example the face value of apple shares is 0 00001 while the market value of each of ... | |
what is the difference between face value and a bond s price | a bond s face value is fixed often issued in 1 000 denominations by contrast its price fluctuates in response to market interest rates time to maturity and the issuer s credit rating a bond may be priced above par or below par based on these conditions for example if interest rates increase bond prices will decline tra... | |
what is book value | book value is the net value of a company s assets as recorded on its balance sheet it s calculated by subtracting a company s total liabilities from its total assets essentially book value reflects the amount that would be left over for shareholders if a company were to liquidate all its assets and pay off all its debt... | |
what is a facility | a facility is a formal financial assistance program offered by a lending institution to help a company that requires operating capital types of facilities include overdraft services deferred payment plans lines of credit loc revolving credit term loans letters of credit and swingline loans a facility is essentially ano... | |
how a facility works | a facility is an agreement between a company and a public or private lender that allows the business to borrow a particular amount of money for different purposes for a short period of time the loan is for a set amount and does not require collateral the borrower often makes monthly or quarterly payments with interest ... | |
what is a factor | a factor is an intermediary agent that provides cash or financing to companies by purchasing their accounts receivables in short a factor is a funding source the factor agrees to pay the company the value of an invoice less a discount for commission and fees factoring can help companies improve their short term cash ne... | |
is factoring a good investment | determining whether factoring is a good investment for a company will depend on many things including the specifics of the company the type of business and its financial condition generally factoring is a good investment choice for a business because it increases liquidity increases competitiveness improves cash flow i... | |
how does factoring work | suppose a company is waiting on payment from its customers depending on the company s finances it may need that cash to continue operating its business or funding growth the longer it takes to collect the accounts receivables the more difficult it is for a business to run its operations factoring allows a company to se... | |
what is a factoring company | a factoring company specializes in accounts receivable financing or more simply factoring a factoring company purchases invoices from businesses that need an immediate boost in their cash flow a business may be in the position of waiting 30 to 90 days for its customers to pay their invoices for a company that is growin... | |
what is factor investing | factor investing is a strategy that chooses securities on attributes that are associated with higher returns there are two main types of factors that have driven returns of stocks bonds and other factors macroeconomic factors and style factors the former captures broad risks across asset classes while the latter aims t... | |
what is a factor market | factor market is a term economists use for all of the resources that businesses use to purchase rent or hire what they need in order to produce goods or services those needs are the factors of production which include raw materials land labor and capital the factor market is also called the input market by this defini... | |
why are factor markets important | a market economy can t exist without three interdependent components the factor market at one end the goods and services market at the other end and in between the producers the companies that create the products we use the producers obtain what they need in the factor market produce finished products and sell them to ... | |
how do supply and demand impact factor markets | the factor market is driven by demand in the product market the resources needed to produce goods and services are created or obtained in sufficient quantities to satisfy demand in the product market in effect the consumer market dictates the factor market | |
what transactions take place in a factor market | in the factor market businesses are the buyers they may buy rent or hire raw materials land or labor whatever a business needs in order to build package and deliver the products or services they provide must be obtained in the factor market the sellers include producers of raw materials however every individual who has... | |
what are the types of factor market | economists generally divide the factor market into three components these are the factors of production the bottom linethe factor market refers to the costs of all the different inputs that are used in economic activity such as raw materials machinery investments and labor whenever a person earns a salary or saves it i... | |
what are factors of production | the factors of production are land labor entrepreneurship and capital these inputs are needed for the creation of goods and services those who control the factors of production often enjoy the greatest wealth in a society in capitalism the factors of production are most often controlled by business owners and investors... | |
how factors of production work | the modern definition of factors of production is primarily derived from a neoclassical view of economics initially only labor was considered by most economists but eventually land and capital were considered as well entrepreneurship is a slightly more recent addition to the list as it was formerly lumped in with capit... | |
what are the factors of production | the factors of production are an important economic concept outlining the elements needed to produce a good or service for sale they are commonly broken down into four elements land labor capital and entrepreneurship depending on the specific circumstances one or more factors of production might be more important than ... | |
what are examples of the factors of production | land refers to physical lands such as the acres used for a farm or the city block on which a building is constructed labor refers to all wage earning activities such as the work of professionals retail workers and so on entrepreneurship refers to the initiatives taken by entrepreneurs who typically begin as the first w... | |
are all factors of production equally important | depending on the context some factors of production might be more important than others for example a software company that relies primarily on the labor of skilled software engineers might see labor as its most valuable factor of production meanwhile a company that makes its money from building and renting out office ... | |
what is factset | factset research systems provides computer based financial data and analysis for financial professionals including investment managers hedge funds and investment bankers it consolidates data on global markets public and private companies and equity and fixed income portfolios factset was founded in 1978 by howard wille... | |
how factset works | factset s mission is to help the performance of investment professionals throughout the world by providing analytical insight gleaned from raw financial data the company seeks to do this by providing investors and other professionals with the tools needed to convert this data into information that can be used in financ... | |
what is facultative reinsurance | facultative reinsurance is coverage purchased by a primary insurer to cover a single risk or a block of risks held in the primary insurer s book of business facultative reinsurance is one of two types of reinsurance the other type of reinsurance is called treaty reinsurance facultative reinsurance is considered to be m... | |
how facultative reinsurance works | an insurance company that enters into a reinsurance contract with a reinsurance company also known as a ceding company does so in order to pass off some of their risk in exchange for a fee this fee may be a portion of the premium the insurer receives for a policy the primary insurer that cedes risk to the reinsurer has... | |
what is failure to deliver ftd | failure to deliver ftd refers to a situation where one party in a trading contract whether it s shares futures options or forward contracts doesn t deliver on their obligation such failures occur when a buyer the party with a long position doesn t have enough money to take delivery and pay for the transaction at settle... | |
what is the fair credit billing act | the fair credit billing act is a 1974 federal law enacted to protect consumers from unfair credit billing practices it enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services | |
how the fair credit billing act works | the federal trade commission enforces the fair credit billing act which covers open end credit accounts such as credit cards charge accounts and lines of credit the act provides consumers with protection from unfair billing practices such as during an investigation a consumer may withhold payment only on the disputed a... | |
what kinds of credit does the fair credit billing act not cover | the fair credit billing act applies only to open end credit the kind that a consumer can borrow from repeatedly examples include credit cards charge cards and home equity lines of credit it does not apply to closed end credit such as auto loans mortgages and home equity loans consumers who wish to dispute a charge invo... | |
what does account in dispute mean | under the fair credit billing act account in dispute refers to the 90 day period in which a credit issuer is investigating a consumer s dispute the credit issuer must either remedy the situation or send a letter to the consumer explaining why it considers the dispute invalid can a consumer dispute a non refundable char... | |
what is a chargeback | a chargeback is the return of money to a customer following the successful dispute of a particular credit transaction it reverses a money transfer from the payer s bank account or credit card will a credit billing dispute affect your credit score no filing a dispute has no impact on a consumer s credit score however th... | |
what is the fair credit reporting act fcra | the fair credit reporting act fcra is a federal law that regulates the collection of consumers credit information and access to their credit reports it was passed in 1970 to address the fairness accuracy and privacy of the personal information contained in the files of the credit reporting agencies cras | |
how the fair credit reporting act fcra works | the fair credit reporting act is the primary federal law that governs the collection and reporting of credit information about consumers its rules cover how a consumer s credit information is obtained how long it is kept and how it is shared with others including consumers themselves the federal trade commission ftc an... | |
what credit bureaus can and can t do under the law | the fair credit reporting act describes the kind of data that credit bureaus are allowed to collect that includes the person s bill payment history past loans and current debts it may also include employment information present and previous addresses whether they have ever filed for bankruptcy or owe child support and ... | |
what is the fair debt collection practices act fdcpa | the fair debt collection practices act fdcpa is a federal law that limits the actions of third party debt collectors who are attempting to collect debts on behalf of another person or entity the law restricts the ways that collectors can contact debtors as well as the time of day and number of times that contact can be... | |
how the fair debt collection practices act fdcpa works | the fdcpa creates a structure within which debt collectors are allowed to work in an attempt to make debt collection a fair and nonaggressive process the law limits the time of day when collectors may call the type of language they may use and how they represent themselves essentially the law makes it illegal for them ... | |
what can i do if i m being harassed by a debt collector | if you feel that a debt collector has violated the fdcpa you may contact the consumer financial protection bureau cfpb or your state s attorney general 8 | |
what is considered harassment under the fair debt collection practices act fdcpa | harassment can include repetitive phone calls calling very early or very late obscene or threatening language publicizing the debt and calling without identifying themselves as a debt collector 8the bottom linedebtors are responsible for paying off money they ve borrowed but they also have rights including to be free f... | |
how the flsa works | the flsa specifies when workers are on the clock and when times are not paid hours there are also detailed rules concerning whether employees are exempt from the flsa overtime regulations the law requires that overtime be paid at one and a half times the regular hourly rate time and a half for all hours worked more tha... | |
what pay or benefits does the flsa not require | the flsa does not require the following | |
does the flsa cover part time and full time employees differently | the flsa s minimum wage and record keeping sections apply to both part time and full time employees however the sections on overtime pay primarily affect full time employees those working over 40 hours per week are more likely to be full time employees not part time workers | |
what is the fair labor standards board | the fair labor standards board is the administrative body responsible for enforcing the flsa the board s primary duties include overseeing minimum wage overtime pay record keeping and child labor laws in the u s the wage and hour division of the u s department of labor carries out the actual enforcement work and admini... | |
what is fair market value | fair market value is the price that an asset would sell for under current market conditions assuming that both the buyer and the seller are seeking the best possible price the term is widely used in legal settings where it may be difficult to set an objective value for some assets fair market value fmv is similar to ma... | |
how do you calculate fair market value | you can assess rather than calculate fair market value in a few different ways first by the price the item cost the seller via a list of sales for objects similar to the asset being sold or an expert s opinion for example a diamond appraiser would likely be able to identify and calculate a diamond ring based on their e... | |
how do i know the fair market value of my home | real estate property is assessed by professional appraisers who can tell you its fair market value using standards guidelines and national and local regulations to determine it 11 | |
how are assets valued in a divorce | each state has its own rules for the division of marital assets liquid assets such as stocks and bonds are typically valued according to current market prices electronics household items and vehicles are priced according to their fair market value which is typically lower than their original purchase price real estate ... | |
how can i learn the fair market value of my car | the kelley blue book is an online guide that can help you determine the fair market value of your car by analyzing data such as trade in value private party value and other areas of research 13the bottom linefair market value is an assessment of the price an asset could sell for based on several assumptions this valuat... | |
what is fair value | fair value is the estimated price at which an asset is bought or sold when both the buyer and seller freely agree on a price to determine the fair value of a product or financial investment an individual or business may look at actual market transactions for similar assets estimate the expected earnings of the asset an... | |
what is the intrinsic value of a stock | fair value is the price an investor pays for a stock and may be considered the present value of the stock when the stock s intrinsic value is considered and the stock s growth potential the intrinsic value is calculated by dividing the value of the next year s dividend by the rate of return minus the growth rate p d1r ... | |
how is fair value considered in the accounting of financial assets | generally accepted accounting principles and international financial reporting standards use fair value in accounts comprised of derivatives and hedges employee stock options and financial assets and accept that financial markets are efficient and their prevailing prices are reliable measures of fair value 3 | |
how does the securities and exchange commission regulate fair value | in 2020 the sec implemented rule 2a 5 under the investment company act of 1940 requiring funds to value their portfolio investments using the market value of their portfolio securities when market quotations are readily available if data is not readily available or if the investment is not a security the act requires t... | |
what is historical cost accounting | fair value accounting measures assets and liabilities at estimates of their current value whereas historical cost accounting measures the value of an asset based on the original cost of an asset | |
what methods are used to determine fair value | a market approach uses the prices associated with actual market transactions for similar assets to derive a fair value an income approach uses estimated future cash flows or earnings to determine the present value fair value a cost approach uses the estimated cost to replace an asset to help find an item s fair value 5... | |
what is a fallen angel | a fallen angel in the investing world is a bond that was initially given an investment grade rating but has since been reduced to junk bond status the downgrade is caused by a deterioration in the financial condition of the issuer the term is also sometimes used to describe a stock that has fallen precipitously from it... | |
what is a falling knife | falling knife is a colloquial term for a rapid drop in the price or value of a security the term is commonly used in phrases like don t try to catch a falling knife it can be translated to mean wait for the price to bottom out before buying it a falling knife can quickly rebound in what s known as a whipsaw or the secu... | |
what a falling knife tells you | the term falling knife suggests that buying into a market with a lot of downward momentum can be dangerous just like trying to catch an actual falling knife in practice however there are many profit points with a falling knife a trader who buys at the bottom of a downtrend can realize a significant profit as the price ... | |
how to use a falling knife | there are several ways to profit from a falling knife many of the trading approaches are time sensitive and require more tools than simply identifying a stock that s seeing a sharp drop a fundamental case for catching a falling knife can be made depending on the reason for the drop there are many potential causes for a... | |
what is a whipsaw in trading | a whipsaw occurs when an extreme movement in price is directly followed by a sudden and equally extreme reversal it s the result of a highly volatile market when signals can be misleading 2 | |
what is the relative strength index | the relative strength index measures the size and speed of changes in the market it ranges from zero to 100 and the score is an indicator as to whether the index is overbought or oversold it s considered to be overbought at 70 or above or oversold below 30 3 | |
what is moving average | moving average is an indicator of the average price of a security over a predetermined period it s a lagging indicator because it looks at fluctuations that have already occurred but it can identify trends and momentum 4the bottom linea falling knife describes the process of a security rapidly and significantly plungin... | |
what is the fama and french three factor model | the fama and french three factor model or the fama french model for short is an asset pricing model developed in 1992 that expands on the capital asset pricing model capm by adding size risk and value risk factors to the market risk factor in capm this model considers the fact that value and small cap stocks outperform... | |
what does fama and french three factor model mean for investors | the fama and french three factor model highlighted that investors must be able to ride out the extra volatility and periodic underperformance that could occur in the short term investors with a long term time horizon of 15 years or more will be rewarded for losses suffered in the short term given that the model could e... | |
what is the family and medical leave act fmla | the family and medical leave act fmla is a labor law requiring employers of a certain size to provide employees with unpaid time off for serious family health issues or situations qualified reasons may include adoption pregnancy foster care placement family or personal illness or military leave it also provides for the... | |
what is a family limited partnership flp | a family limited partnership flp is an arrangement in which family members pool money to run a business project each family member buys units or shares of the business profits are shared in proportion to the number of shares each member owns which is outlined in the partnership operating agreement understanding a famil... | |
what are family limited partnerships | a family limited partnership is an arrangement in which family members pool money to run some sort of business like a real estate venture this structure provides tax benefits to partners which can help families build generational wealth | |
is it expensive to run a family limited partnership | it can be expensive to set up and run a family limited partnership members will need to work with a tax specialist and or estate lawyers to establish the partnership members may also need professional tax advice throughout the life of the flp to properly manage their taxes as participants | |
how many people do you need to set up a family limited partnership | a family limited partnership like a holding company or business must have at least two members these members must be related to each other and both enter into the business together at least one partner must be a general partner who is responsible for the management and operation of the business the bottom linea family ... | |
what is a family office | a family office is a private wealth management advisory firm that serves ultra high net worth individuals hnwi family offices are different from traditional wealth management shops in that they offer a total solution to managing the financial and investment needs of an affluent individual or family for example in addit... | |
do you need a family office | whether or not someone needs a family office depends on the extent and complexity of their wealth as well as the demands that wealth puts on their family certain situations may require a variety or teams of specialists with access to high value resources that can address a long list of important issues broadly speaking... | |
what s a family office | a family office is a private wealth management firm established by an ultra high net worth family that provides that family with a selection of personalized services that include investment management financial planning estate and tax planning philanthropic investing concierge services and more | |
is a family office the same as a wealth advisory firm | not really wealth advisory firms can offer some of the services that a family office offers such as portfolio management and investment management however wealth advisory firms typically have many different clients while a family office focuses on one or several if it s a multi family office what s more family offices ... | |
what are fang stocks | in finance the acronym fang refers to the stocks of four prominent american technology companies meta meta formerly facebook amazon amzn netflix nflx and alphabet google goog fang stocks are famous for the impressive growth they have experienced with each member s stock price more than doubling at times since 2018 in 2... | |
how to invest in the fang stocks | since there are only a handful of stocks in the fang universe it is relatively easy for investors to trade these names directly with their broker especially now that many brokers offer zero commission trading currently no funds hold only fang or faang stocks instead investors looking for etfs that have heavy weightings... | |
what does the acronym fang stand for | the acronym fang was coined by the street s bob lang and popularized by jim cramer on his cnbc tv show mad money this acronym refers to the stocks of four prominent american technology companies meta meta formerly facebook amazon amzn netflix nflx and alphabet goog by adding apple aapl in 2017 fang became faang | |
why are fang stocks popular | fang stocks are famous for their impressive growth and popularity with each member more than doubling its stock price at times over the past five years however despite exhibiting growth stock behavior fang stocks are not too volatile this stability along with delivering superior rates of return has made these quite att... | |
what businesses are fangs in | although they each share the use of advanced technologies to acquire and retain users fangs have distinct business models facebook is the world s preeminent social networking platform amazon is a leading business to consumer b2c e commerce platform netflix is an online entertainment streaming service that has also begu... | |
what is the farmers home administration | the farmers home administration fmha is a former u s department of agriculture usda agency created to finance and insure loans for rural families and farmers the fmha provided credit and technical assistance through housing utility business and community development programs fmha loansin 1946 congress authorized the fa... | |
what did the farmers home administration fmha do | the farmers home administration fmha was created in 1946 to provide and guarantee loans for rural families and farmers it managed housing utility business and community development programs that provided credit and technical assistance these functions are currently performed by usda rural development | |
why was the farmers home administration fmha terminated | members of congress became concerned when a significant number of fmha loans defaulted and in 1992 directed the u s government accountability office gao to conduct a study it found a multitude of problems related to weak lending practices in 1994 the fmha was terminated and its functions transferred to the farm service... | |
what is fast fashion | fast fashion describes low priced but stylish clothing that moves quickly from design to retail stores to meet and capitalize on trends collections are often based on styles presented at fashion week runway shows or worn by celebrities fast fashion allows mainstream consumers to purchase a new look at an affordable pri... | |
what is slow fashion | slow fashion a concept first introduced in 2008 by fashion and sustainability consultant kate fletcher uses environmentally friendly processes and materials through mindful manufacturing focusing on quality rather than quantity 910 mindful manufacturing an idea championed by 3d printing company stratasys is the concept... | |
what are some fast fashion examples | some examples of companies in fast fashion are stradivarius victoria s secret urban outfitters and zara who benefits from fast fashion consumers who enjoy the latest fashion with the advantage of low prices benefit but the primary beneficiaries are investors owners and other stakeholders who profit from the practice th... | |
what are fast moving consumer goods fmcg | fast moving consumer goods fmcgs are products that sell quickly at relatively low cost fmcgs have a short shelf life because of high consumer demand e g soft drinks and confections or because they are perishable e g meat dairy products and baked goods they are bought often consumed rapidly priced low and sold in large ... | |
what are consumer packaged goods | consumer packaged goods are the same as fast moving consumer goods they are items with high turnover rates low prices or short shelf lives fast moving consumer goods are characterized by low profit margins and large sales quantities some products that fall within this group include soft drinks toilet paper and dairy pr... | |
what are 3 types of consumer goods | the three main consumer goods categories are durable goods nondurable goods and services durable goods such as furniture or cars last at least three years often economists watch durable goods spending to track the economy s health nondurable goods are items with a shelf life of under three years and are consumed rapidl... | |
what is return on invested capital roic | it s a financial metric used to assess how effectively a company uses its funds to generate profits it measures the returns earned on the total capital invested in the business which includes both equity and debt a high roic indicates that the company is efficiently using its resources to produce profits which can sign... | |
what is an fdic insured account | an fdic insured account is a bank or thrift account covered by the federal deposit insurance corporation fdic an independent federal agency responsible for safeguarding customer deposits in the event of bank failures the maximum insurable amount in a qualified account is 250 000 per depositor per fdic insured bank and ... | |
why is it important to choose a bank account that is fdic insured | perhaps the most significant benefit of having a fdic insured deposit account is that the deposit insurance ensures up to 250 000 500 000 for a joint account for each account ownership category in the event of a bank failure 1 | |
what are 3 things not insured by fdic | three of the biggest things that the fdic doesn t insure are stock investments bond investments and mutual funds life insurance policies annuities municipal securities safe deposit boxes and their contents u s treasury bills bonds and notes and crypto assets are also not covered by fdic deposit insurance 3 | |
is it good to have all your money in one bank | it can be safe to have all of your money in one bank but this is not without risk if your account balances at one bank exceed 250 000 or 500 000 for a joint account then that excess amount won t be covered by fdic deposit insurance in the event of a bank failure in this scenario you would be better off keeping some of ... | |
what is the fear greed index | the fear greed index is a measure developed by cnn business to gauge investor sentiment it indicates how emotions influence the amount investors are willing to pay for stocks which in turn provides a window into whether stocks are fairly priced at any given point in time the index is based on the logic that excessive f... | |
how the fear greed index works | the aim of the fear greed index is to assess market sentiment 1 because investing is often emotional and reactionary mood can influence an investor s decision to buy or sell stock the influence of 24 hour news and information networks can create strong reactions from investors known as the cnn effect the fear greed ind... | |
what is a fear greed index | the fear greed index helps gauge stock market movements and whether stocks are priced fairly the index is based on the logic that excessive fear drives down share prices and too much greed has the opposite effect 1 alternative me created a similar index to gauge cryptocurrency market sentiment 4 | |
how is cnn business fear greed index calculated | seven factors are graded to establish how much fear and greed there is in the market and an equal weighted average is taken across them indicators include stock price momentum stock price strength stock price breadth put and call options junk bond demand market volatility and safe haven demand 1 | |
how do fear and greed affect the decisions of investors | many investors are emotional and reactionary with fear and greed being the two predominant emotions affecting investors the bottom lineinvestor sentiment is often characterized by two emotions fear and greed the cnn business fear greed index quantifies this facet of market psychology on a scale of 0 as the most fearful... | |
what is the fed balance sheet | the fed balance sheet is a statement listing the assets and liabilities of the federal reserve system details of the fed s balance sheet are disclosed by the fed in a weekly report called factors affecting reserve balances 1understanding the fed balance sheetthe fed is the central bank of the united states founded by c... | |
what is a federal agency | federal agencies are special government organizations set up for a specific purpose such as the management of resources financial oversight of industries or national security issues these organizations are typically created by legislative action but may initially be set up by presidential order as well the directors of... | |
what is the federal communications commission fcc | the term federal communications commission fcc refers to an independent u s government agency that oversees all interstate and international communications the fcc maintains standards and consistency among types of media and methods of communication while protecting the interests of consumers and businesses it allocate... | |
why was the fcc created | the federal communications commission was established in order to regulate interstate and international wire and radio communications this mandate was expanded to include satellite television wireless and broadband communications the fcc governs in all 50 states the district of columbia and every u s territory | |
when was the fcc created | the fcc was created in 1934 as part of the communications act of 1934 |
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