Borrow Up To
Free Debt Relief Consultation
Ontario Debt Statute of Limitations
Credit Card Debt Consolidation
Missing Payments & Your Credit Score
Low-Rate Home Equity Loans
Get A Great Rate Car Loan
Get Your Free Credit Score
Get Insurance Quotes Today
How to Choose the Right Insurance
Affordable Insurance Solutions
Understanding Insurance Premiums
How to File an Insurance Claim
Small Business Insurance Coverage
Credit Score and Insurance Rates
What Types of Insurance Do I Need?
How Can I Lower My Insurance Premiums?
How Do I File an Insurance Claim?
What Factors Affect My Insurance Rates?
What Is a Deductible in an Insurance Policy?
What Should I Do If My Insurance Claim Is Denied?
How Often Should I Review My Insurance Policies?
What Is the Process for Switching Insurance Providers?
How Does My Credit Score Impact My Insurance Rates?
What Is Liability Insurance, and Do I Need It?
Can I Customize My Insurance Policy to Fit My Specific Needs?
Get Your Payday Loan Today!
How to Apply for a Payday Loan
Understanding Payday Loan Fees
Payday Loans vs. Installment Loans
High Street Banks are traditional financial institutions that primarily operate in retail banking, offering services such as current accounts, savings accounts, loans, and mortgages to individual consumers and small businesses. These banks have a significant presence in na...
The Health Care Sector encompasses a broad array of industries dedicated to providing services aimed at improving and maintaining health. This vital sector includes hospitals, outpatient clinics, nursing homes, and the various professionals that fill these establishments, ...
Heads of Agreement represent preliminary discussions and understandings between parties about the key terms of a prospective agreement, serving as an essential tool in the negotiation process. They lay the groundwork for future detailed negotiations and contracts by outlin...
Hybrid securities are financial instruments that possess characteristics of both debt and equity, merging elements of bonds and stocks into a single entity. These instruments serve as a vital component of modern financial markets, providing investors with unique opportunit...
Horizontal equity is a principle primarily applied in the realm of taxation and public finance, asserting that individuals with similar ability to pay should be taxed at similar rates. This concept aims to create a fair taxation system that minimizes disparities and promot...
The high yield bond spread is a critical metric in the investment world, particularly for bond investors. This spread represents the difference in yield between high yield bonds—often referred to as junk bonds—and safer, investment-grade bonds, typically U.S. Treasury ...
Homemade leverage refers to the process through which an investor can create their own leverage using personal funds. This financial strategy allows individuals to take on additional risk that typically would have been reserved for institutional investors or larger corpora...
Hookreversal is a financial term used primarily in the context of trading and investing, particularly within the realms of technical analysis. It refers to a pattern observed when a security’s price reverses its trend following a ‘hook’ movement, which is...
The Hamada equation is a pivotal concept in the realm of corporate finance that focuses on the relationship between a company’s leverage, its cost of equity, and its overall risk. Named after finance scholar H. K. Hamada, this equation provides a formulaic approach t...
The Hammer Clause is a critical financial term often found in commercial and real estate contracts. It serves as a protective measure for lenders and ensures that parties to a contract are clear on their financial obligations and liabilities. By establishing specific condi...
The Human Life Approach is a financial concept that highlights the intrinsic value of an individual’s life and the economic implications of that value. This approach suggests that each person has a measurable economic worth, often evaluated through various means such...
A hypermarket is a large retail establishment that combines a supermarket and a department store within a single space. Typically, hypermarkets offer a wide variety of products ranging from groceries to clothing, electronics, and household items, all under one roof. This m...
The Harvest Strategy refers to a financial management approach where investors strategically withdraw profits from their investments at certain intervals, effectively “harvesting” the gains made. This technique is particularly relevant in volatile markets or fo...
The High Low Index (HLI) is an essential technical indicator used primarily to gauge market momentum and determine potential price reversals. As a liquidity and volatility metric, the HLI provides traders and investors with insights into market breadth and stock performanc...
The Homeowners Protection Act (HPA), enacted in 1998, is a pivotal legislation designed to protect borrowers from the unnecessary burden of private mortgage insurance (PMI) costs. It primarily addresses borrowers who obtain loans with less than 20% down payment, which ofte...
The Henry B. Tippie College of Business at the University of Michigan is renowned for its commitment to developing future leaders equipped with the necessary skills and knowledge to thrive in a competitive business environment. The college is dedicated to fostering a diver...
A hard-to-sell asset refers to a type of investment or property that is difficult to liquidate or sell on the open market. This difficulty may arise from various factors such as low demand, specialized use, or particular market conditions. Individuals and businesses holdin...
The Hierarchy of Generally Accepted Accounting Principles (GAAP) is a framework that establishes the prioritization of accounting standards, allowing financial statement preparers to navigate and select the appropriate accounting methods based on their relevance and applic...
A Holdover Tenant refers to a tenant who remains in a rental property after the expiration of their lease agreement. While the arrangement may initially seem informal or tolerated, the legal implications can be significant for both landlords and tenants. Understanding the ...
Home Country Bias refers to the tendency of investors to favor securities or assets from their own country over those from foreign markets. This phenomenon not only influences individual investment decisions but also shapes the portfolios of major institutional investors, ...
A Hospital Revenue Bond is a type of municipal bond that is issued to finance the revenue-generating activities of hospitals and healthcare facilities. These bonds are typically secured by the hospital’s revenue streams, such as patient fees, grants, and other income...
Held for trading securities are financial instruments that a company acquires with the primary intention of selling them in the short term to generate profits from price fluctuations. Typically, these securities include stocks, bonds, and derivatives that are actively trad...
Historic Pricing refers to the historical data of an asset’s price over a defined period. This concept is critical for finance professionals, investors, and analysts who aim to understand price movements and the underlying trends in financial markets. By exploring hi...
Horizontal markets are a fascinating segment of the broader market landscape, characterized by their ability to cater to a wide range of industries and sectors. Unlike vertical markets, which are focused on a specific niche, horizontal markets offer products and services t...
Hardcall protection is a financial term that refers to the safeguard embedded within certain debt instruments, which ensures that investors are protected from unexpected calls by the issuer. It generally applies to callable bonds and other fixed-income securities that give...
Historical volatility (HV) is a statistical measure of the dispersion of returns for a given security or market index over a specific period. Financial analysts and investors use this metric to gauge the degree of price fluctuations and potential future price movements. In...
Hard currency refers to money that is widely accepted around the world as a medium of exchange, particularly in international transactions. It usually includes currencies that are stable in value, such as the US dollar, euro, British pound, and Swiss franc. These currencie...
Headline Risk refers to the potential negative impact on a company’s stock price or overall market perception due to unfavorable news coverage or media portrayal. In the world of finance, news plays a pivotal role in shaping public sentiment and influencing investmen...
Hedonic pricing is an economic theory that attempts to quantify the value of specific attributes that contribute to the overall price of a product or service. This approach is often utilized in real estate and environmental economics, where various characteristics, such as...
The term “High Beta Index” refers to a financial metric utilized to assess the volatility of a basket of stocks relative to the broader market, often represented by a benchmark index like the S&P 500. A high beta value indicates a significant degree of cor...
Heteroskedasticity is a crucial concept in regression analysis that refers to the situation in which the variance of the errors (or residuals) in a regression model is not constant across all levels of the independent variable. This violates one of the fundamental assumpti...
The Humped Yield Curve is a unique financial phenomenon that reflects investor sentiment and expectations regarding future interest rates. Unlike the traditional upward-sloping yield curve, which indicates that longer-term bonds yield higher returns than shorter-term bonds...
The Haurlanindex is a crucial financial metric that serves as a barometer for the lending industry, providing insights into prevailing lending conditions. It is designed to reflect the average rates at which lenders offer loans to borrowers across a spectrum of credit prof...
The Habendum Clause is a crucial component of property law, particularly in the realm of real estate and title deeds. It delineates the rights of the grantee or buyer following the transfer of property, specifying the extent to which ownership is enjoyed. Typically, the Ha...
The Haas School of Business, established in 1898, is the business school of the University of California, Berkeley. As one of the leading institutions for business education, Haas is renowned for its rigorous academic programs, innovative research, and commitment to ethica...
The Hart Scott Rodino Antitrust Improvements Act of 1976, commonly referred to as the Hart-Scott-Rodino Act (HSR), is a significant piece of legislation in the United States aimed at regulating antitrust practices and promoting fair competition in the marketplace. The Act ...
Headline earnings, often referred to as headline earnings per share (HEPS), is a financial metric used primarily in South Africa to evaluate a company’s performance. This measure offers insights into the underlying profitability of a business by excluding certain one...
A Helicopter Drop refers to a monetary policy tool used by central banks to inject liquidity directly into an economy, typically during times of crisis or slow growth. The term originates from the idea of a helicopter dropping money into the populace, thereby increasing di...
Hedgedtender is a financial term that signifies a strategic approach to managing risk in the tendering process, particularly within the domains of public contracts and procurement. This concept is increasingly relevant as organizations seek to mitigate financial exposure w...
The term “Hidden Tax” refers to indirect costs that consumers bear, which are not explicitly laid out in the price of goods and services. These costs can result from a variety of factors, including regulatory burdens, inflation, and market inefficiencies. Under...
Holocaust Restitution Payments refer to the financial reparations and compensatory payments made to victims of the Holocaust and their heirs as part of broader efforts to address the atrocities committed during World War II. These payments aim to provide justice and acknow...
Homeofficeexpense refers to the costs associated with maintaining a business environment within one’s residence. As more professionals transition to remote working arrangements, understanding how to manage and deduct home office expenses has gained significant import...
Hidden values refer to the intangible benefits and opportunities that may not be immediately visible but can significantly influence financial outcomes. These are often overlooked aspects of financial transactions, investments, or assets that possess intrinsic worth beyond...
The Hierarchy of Effects Theory is a cornerstone concept in marketing and consumer behavior which outlines the stages consumers typically undergo from the moment they become aware of a product to the point of making a purchase. This theory posits that consumer decision-mak...
Hourly clauses are specific provisions in financial agreements that dictate terms related to time-based rental, leasing, or service agreements. These clauses often define how rates change based on hourly increments, impacting the overall cost and structure of a financial t...
The HarvardMBA Indicator is a concept derived from the correlation between higher education, particularly an MBA from Harvard, and the increase in potential earnings in the finance sector. This indicator emphasizes how this prestigious degree is perceived as a premium cred...
House Swap, also known as home exchange, is a living arrangement where two homeowners agree to exchange residences for a specified period of time. This practice has gained traction as a cost-effective and adventurous alternative to traditional vacation rentals. Home swappi...
The HKUST Business School is one of Asia’s leading business schools, known for its rigorous academic programs and innovative research. Established in 1991, it is a part of the Hong Kong University of Science and Technology (HKUST), which emphasizes a blend of theory ...
A harmless warrant is a financial instrument that provides protection for lenders while not imposing undue risks or burdens on borrowers. In essence, harmless warrants can be excellent tools for both parties involved in a lending transaction. They offer lenders the ability...
Held At Opening refers to a financial practice commonly used in the securities market. This term signifies that specific trades or transactions are executed at the opening price of the trading session. In practical terms, this means that the execution of buy or sell orders...
Hunting Elephants is a metaphor commonly used in the financial industry to describe a strategy focused on pursuing significant deals or investments that can yield substantial returns. This approach contrasts with hunting smaller opportunities, which can be time-consuming a...
Health Plan Categories are an essential concept in the realm of healthcare coverage, particularly under the Affordable Care Act (ACA). They offer a structured way to understand the different levels of insurance plans available, which can help individuals and families make ...
Horizontal well drilling is an advanced technique in the oil and gas industry that profoundly influences resource extraction efficiency. Unlike traditional vertical drilling methods, horizontal drilling reaches reserves that are otherwise difficult or impossible to extract...
Hyperledger Explorer is an open-source blockchain explorer that provides a user-friendly interface for navigating blockchain networks built on the Hyperledger Fabric framework. Designed for developers, businesses, and users, it allows for the visualization and analysis of ...
Hyperledger Composer is a set of tools and frameworks designed to simplify the development of blockchain applications. It operates on the Hyperledger Fabric framework, enabling developers to build applications more efficiently by modeling business networks, using an intuit...
Hyperbolic absolute risk aversion is a concept in behavioral finance that addresses how individuals assess risk and uncertainty over time. Defined by its distinct characteristics, it posits that people’s risk aversion can fluctuate based on the time at which they eva...
A Hurricane Deductible is a unique type of insurance deductible that specifically applies to damages resulting from hurricane events. Unlike standard deductibles, which are typically a fixed amount or a percentage of the insured value, hurricane deductibles are often expre...
Hyperledger Sawtooth is a modular, adaptable blockchain framework designed for enterprise solutions. Launched by the Linux Foundation under the Hyperledger umbrella, it focuses on providing a secure and scalable environment for building distributed ledgers and decentralize...
Heating degree days (HDD) is a unit of measurement used to estimate the energy demand required to heat a building. This metric is crucial for understanding how much heating is necessary in a given area, as it accounts for daily temperature fluctuations and helps predict en...
A Horizontal Line is an important financial term often used in various contexts such as economics, graphic representation, and financial analysis. In technical analysis, it represents a period during which the price of an asset remains constant, denoting a lack of volatili...
The Help Wanted Index (HWI) serves as a pivotal economic indicator reflecting the demand for labor in the job market. It is constructed from job advertisements placed in various media, including newspapers, online job boards, and employment agency listings. The index not o...
Hopenowalliance is an innovative platform that connects individuals in need of financial support with a network of trusted lenders. By fostering a transparent and efficient lending environment, Hopenowalliance seeks to empower borrowers with the knowledge and resources nec...
The Hamburg Stock Exchange, known affectionately as Ham .H, is a historic trading venue that plays a key role within Germany’s financial landscape. Established in the 16th century, it has evolved into a contemporary marketplace for various financial instruments. The ...
“Held By Production” is a crucial term often used within the oil and gas industry, especially concerning land leases and mineral rights. This terminology primarily refers to the legal provision that allows for the continued exploration and production of oil or ...
The term “Handsoffinvestor” refers to a passive investment strategy where individuals allocate their capital to various assets or investment vehicles without actively managing their portfolios on a day-to-day basis. This approach allows investors to diversify t...
The Halo Effect is a psychological phenomenon where the perception of one positive quality leads to the assumption of other positive traits. This cognitive bias can significantly influence decision-making processes, particularly in financial contexts. For instance, a lende...
Housing bonds represent a crucial financial instrument aimed at addressing housing market needs and enabling developers to fund affordable housing projects. These bonds are typically issued by public and private entities to raise capital for building, rehabilitating, or ma...
Hardship Exemption refers to a provision within financial systems that allows individuals facing significant personal or financial distress to temporarily suspend or alter their obligations, such as loan repayments. The essence of the hardship exemption is to provide relie...
Heterodox Economics refers to a broad set of economic theories and principles that challenge the traditional views upheld by neoclassical economics. It encompasses a variety of perspectives that seek to better understand the complexities of economic behaviors, institutions...
The term “Hybridfund” refers to a unique financial instrument that combines features of both traditional mutual funds and alternative investment vehicles. This innovative investment solution is designed to meet the diverse needs of investors by providing a bala...
A hard landing refers to a significant and often abrupt slowdown in economic growth, typically following a period of rapid expansion. This term is primarily used in the context of macroeconomic analysis and is characterized by high unemployment, falling consumer confidence...
Harddollars refer to actual cash payments or monetary investments that are made in a financial transaction. Unlike soft dollars, which represent non-monetary benefits such as services or research, harddollars are tangible and directly impact a company’s cash flow. In...
High Minus Low, often abbreviated as HML, is a financial metric that serves as a critical tool in evaluating the performance of investment portfolios. It represents the difference between the average returns of high-risk assets and low-risk assets over a specified period. ...
Homoeconomicus is a term that describes a theoretical model of human behavior in economic contexts. This concept serves as a foundational assumption in economics, portraying individuals as rational actors who seek to maximize their utility, make decisions based on complete...
The Hong Kong Monetary Authority (HKMA) manages a significant investment portfolio that plays a crucial role in maintaining the territory’s monetary stability and financial health. Established in 1993, the HKMA functions as the central banking institution of Hong Kon...
The term “Historic Structure” refers to buildings or sites that have historical significance, often recognized due to their architecture, cultural importance, or historic events associated with them. These structures are usually protected by local, state, or fe...
The Hong Kong Monetary Authority (HKMA) is the government authority responsible for maintaining monetary and banking stability in Hong Kong. Established in 1993, the HKMA plays a critical role in formulating and implementing monetary policy, managing the Exchange Fund, and...
The Hubbert Curve, named after geophysicist M. King Hubbert, is a model that illustrates the theoretical production rate of a resource over time. Primarily applied in the context of global oil production, it portrays how resources are extracted and consumed, following a pr...
The term “Hardtoborrowlist” refers to a categorized list of financial securities that are either difficult to lend or are in high demand for short selling. This list plays an essential role in trading and investment strategies, particularly within the domain of...
The Home Buyers Plan (HBP) is a financial initiative designed to assist first-time homebuyers in Canada by allowing them to withdraw funds from their Registered Retirement Savings Plan (RRSP) tax-free to purchase or build a qualifying home. This program not only alleviates...
In the realm of finance and investing, a hard asset refers to a physical object that possesses intrinsic value due to its substance and properties. Unlike intangible assets, such as stocks and bonds, hard assets are tangible and can be physically touched, held, or utilized...
A High Ratio Loan is a type of mortgage in which the borrower has a down payment that is less than 20% of the home’s purchase price. This means that the loan-to-value (LTV) ratio is higher than what is typically advised for conventional loans. Such loans allow individual...
Honorarium is a financial term referring to a payment made to individuals for services rendered that are not formally contracted or for which fees are not ordinarily charged. This compensation is often given to professionals such as speakers, consultants, or experts who pr...