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Rain Check
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A promise or commitment by a seller to a buyer that an item currently out of stock can be purchased at a later date for today's sale price.
The term originated from baseball; spectators at games that were postponed because of rain would receive a check...
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Ratchets
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This is a structure that determines the eventual Equity allocation between groups of shareholders.
A ratchet enables a management team to increase its share of Equity in a company if the company is performing well. The Equity allocation in a company varies,...
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Rates (Variable)
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Variable loan rates Will generally change monthly or quarterly and are based on some index, such as the bank's prime rate.
Variable rates can rise or fall during the life of a loan depending on what happens to the index rate the loan is based on. A typical...
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Razor
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A business tactic involving the sale of dependant goods for different prices.
One good is sold at a Discount, while the second dependant good is sold at a considerably higher price.
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Real Estate
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The right, title, or Interest that a person has in real property, as distinguished from the property itself.
Land plus anything permanently fixed to it, including buildings, sheds, and other items attached to the structure comes under real estate.
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Recapitalization
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Restructuring a company's Debt and Equity mixture often with the aim of making a company's capital structure more stable.
This refers to a change in the way a company is financed. It is the result of an injection of capital, either through raising Debt...
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Recession
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A significant decline in general economic activity extending over a period of time.
It is visible in industrial production, employment, real income, and wholesale-retail trade. The technical indicator of a recession is two consecutive quarters of negative...
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Reconciliation
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Adjusting one's checkbook balance to match a bank Statement.
It is the act of confirming that the balance in your check register matches the corresponding balance on the Statement you get from your credit union. An accounting process used to compare two...
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Redemption Date
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In Debt markets, the maturity of an instrument is the duration of the loan, i.e. the amount of time before the principal amount lent is repaid.
The actual date on which the principal is repaid is known as the redemption date (which may be wholly or partly...
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Redlining
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A practice in which certain areas of a community are eliminated from eligibility for mortgages or other loans, either intentionally or unintentionally, allegedly because the area is considered a poor investment Risk.
The unethical practice whereby financial...
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Refinancing
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The process of paying off one loan with proceeds from a new loan using the same property as Security.
Refinancing refers to the replacement of an existing Debt obligation with a Debt obligation bearing different terms. The most common consumer refinancing...
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Reflation
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An economic policy whereby a government uses fiscal or monetary stimulus in order to expand a country's output.
It refers to an economic policy whereby a government uses fiscal or monetary stimulus in order to expand a country's output. It can be done...
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Regional bank
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A bank with a primary market in a regional or metropolitan area but takes deposits from throughout the state in which it is located.
A bank that operates in one region of a country, as opposed to a money center bank, which operates nationally and globally....
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REPO
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A repurchase agreement.
An investment vehicle in which the seller agrees to buy back the securities for an agreed-upon price, usually at a stated time. A form of Short-term borrowing for dealers in government securities. The dealer sells the government...
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Repudiation
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When one party refuses to honor their terms in a loan contract.
It is a term in the law of contracts that describes a declaration by one party (the promising party) to a contract that they do not intend to live up to their obligations under the contract....
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Research Note
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A Statement from a brokerage firm or other investment advisory service discussing a specific Security, industry, market or news item.
Research Notes are usually meant to contain time-sensitive information that applies to the current day's trading session...
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Reserve Currency
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A reserve Currency is a Currency which governments and international institutions are willing to hold in their gold and foreign-Exchange reserves and which finances a significant proportion of international trade.
It is a foreign Currency held by central...
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Resident Alien
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A foreigner who is a permanent resident of the country he or she resides, but does not have citizenship.
To fall under this classification in the U.S., you need to either currently have a green card or have had one in the last calendar year. You also fall...
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Residual Risk
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The component of an asset's Risk that cannot be explained by exposure to pervasive factors (the market), common factors (Interest rates, industrial production), or by industry affiliation. Residual Risk is analogous to unsystematic or diversifiable Risk.
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Resistance
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In Technical Analysis, a barrier - the opposite of support.
A resistance is marked by a previous price High that provides enough of a barrier above the market to halt a price advance. Often support and resistance areas occur at round numbers.
Resistance...
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Retail banking
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Banking services for individual customers.
Retail banking is typical mass-market banking where individual customers use Local branches of larger commercial banks. Services offered include: savings and checking accounts, mortgages, personal loans, debit...
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Return on Equity (ROE)
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This is the most popular indicator of financial performance.
It basically measures the company's efficiency in earning profits on behalf of its shareholders. Basically, the return on Equity is found by dividing pre-Tax profit by shareholders' funds. Also...
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Revocable Trust
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A Trust in which the creator reserves the right to modify or terminate the Trust.
A Trust whereby provisions can be altered or cancelled dependent on the Grantor.
During the life of the Trust, income earned is distributed to the Grantor, and only after...
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RevPOR
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Revenue Per Occupied room.
An industry metric used to evaluate companies in the hotel and lodging industries. RevPOR is used in conjunction with, or in place of, the more standard revenue per available room (RevPAR) statistic. RevPAR is calculated by taking...
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Riba
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A concept in Islamic Banking that refers to charged Interest. It is forbidden under Sharia, Islamic religious law, because it is thought to be exploitive.
Depending on the interpretation, riba may only refer to excessive Interest; however to others, the...
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Ring Fence
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A strategy with which an investor isolates a certain amount of money from any outside Risk.
A protection-based transfer of assets from one place to another, usually through the use of offshore accounting. A ring fence is meant to protect the assets from...
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Rings
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Trading arenas, located on the floor of an Exchange, in which traders execute orders.
Rings are also referred to as pits. We can see traders wildly thrashing their arms and yelling orders in the trading rings. Although it may look poorly coordinated, there...
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Rio Trade
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In the securities market, a transaction made in a desperate attempt to recover previous losses.
In the securities market, a transaction made in a desperate attempt to recover previous losses. The term was coined with the idea that if a trader fails in...
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Ripple
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A metaphor for a Short-term market trend.
The ripple is one of the ocean metaphors coined by Robert Rhea, one of the original technical analysts. In general, technical analysts encourage traders to ignore market ripples.
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Risk
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The chance that an investor Will lose all or part of an investment.
Risk is the possibility an investment's actual Future return Will be below its expected return. Risk is the degree of uncertainty of return on an asset. Risks are events or conditions...
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ROTA
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Return On Total Assets - ROTA
A ratio that measures a company's Earnings before Interest and taxes (EBIT) against its total net assets. The ratio is considered an indicator of how successfully a company is using its assets to generate Earnings before contractual...
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Royalty
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A payment to an owner for the use of property, especially patents, copyrighted works, franchises, or natural resources.
Royalties can be determined as a percentage of gross or net sales derived from use of the asset or a fixed price per unit sold. There...
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Rumortrage
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A term often used by traders to refer to increased trading caused by a takeover rumor.
If firms A and C are both in the auto industry and rumors say that firm A Will takeover firm C, an increase in trading in firms A and C's stock illustrates rumortrage.
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Rump
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The name given to the group of investors refusing to Tender their shares into a corporate action, such as a merger or Acquisition.
Should the quantity of rump shares be large enough, a corporate action may be stalled or halted.
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Run Rate
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The average annual dilution from company Stock option grants over the most recent three year period recorded in the Annual Report.
In the context of extrapolating Future performance of a company, the run rate helps to put the company's latest results...
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