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“h” Mortgage Term fully explained form you
H-shares are shares of Chinese companies that are listed on the Hong Kong Stock Exchange. See More.
A habendum clause in a real estate contract transfers ownership of a piece of real estate with no restrictions. It generally pertains to oil and gas leases for pieces of property but can relate to any transfer of property. See More.
A half-commission man introduces potential clients to financial advisors in return for a cut of the commissions those advisors earn from the new clients. See More.
In the investing world, the Halloween Massacre occurred in October 2006, when Canada began taxing all income trusts in the country. See More.
The halo effect is a phenomenon whereby consumers perceive the products or services from a certain company to be better than they really are. See More.
The hammer candlestick is a technical indicator that typically appears after a prolonged downtrend. Here is an example of a hammer candlestick: See More.
A hands-on investor has a substantial interest in a company and chooses to take an active role in its management. It is the opposite of a hands-off investor. See More.
The Hang Seng Index is the leading index for shares traded on the Hong Kong Stock Exchange. See More.
The hangman candlestick has a very long shadow and a very small real body. Typically, it has no upper shadow (or at the very most, an extremely small one). To be an official hangman, the lower shadow must be at least twice the height of the real body See More.
A hard asset is a physical, or tangible, asset. It is the opposite of an intangible asset. See More.
Hard call protection is a provision in a callable bond that limits the issuer's ability to exercise the call feature. See More.
Hard currency is currency that has been adopted as an acceptable payment method in multiple countries. See More.
Hard dollars are money paid to a broker or investment adviser in return for consultation or investment research. Hard dollars do not include fees related to trading. See More.
A hard inquiry is a lender's investigation of an applicant's credit history for the purpose of approving or declining a loan or extension of credit. See More.
A hard landing refers to an abrupt downward shift in economic growth resulting from monetary policy. See More.
A hard loan is a loan between a lender and borrower in different countries that is denominated in a hard currency. See More.
Hard money is a broad term used in connection with currency and transfer payments. See More.
A hard money loan is a short-term loan that uses the value of real property owned by the borrower as its collateral. See More.
A hard sell is an aggressive sales tactic used to persuade customers to make an immediate purchase. It is the opposite of a soft sell. See More.
Hard skills are quantifiable capabilities required for specific occupations. They are the opposite of soft skills. See More.
A hard stop is a standing instruction from a brokerage client to sell units of a security if the market price declines to a specific level. It is a generic term that can refer to both a stop-loss order or a stop order. See More.
Hard-coded stock has a unique identifier (a "ticker symbol") assigned to it by a registered exchange. See More.
A hard-to-borrow list outlines the securities that a brokerage house cannot provide to investors for short selling. See More.
A hardship withdrawal is a premature withdrawal of money from a retirement account on account of special circumstances. See More.
A harmless warrant is a bond provision that instructs a holder to relinquish the bond to the issuer should the holder purchase another bond from the same company with comparable features. See More.
Harry Markowitz is a famous economist who won the Nobel Prize in Economics in 1990. See More.
Harvesting, also known as an exit or liquidity event, is the act of cashing out of an ownership position in a company. See More.
The political world is full of nicknames. Hawks are of particular interest to the business community because they often influence or at least put pressure on various parts of the government to take actions that can affect the values of stocks, bonds See More.
Hazard insurance doesn't just protect the homeowner; it protects the bank that lends to the homeowner. The price of hazard insurance varies depending on what state the house is in, how it is built and other factors. For instance, homes in Florida See More.
The head and shoulders pattern consists of four distinct parts: The left shoulder, the head, the right shoulder, and the neckline. Each of these four must be present for the formation to exist. See More.
Head of household is a formal IRS filing status for people who are single but provide financial support to at least one other person in his or her home. See More.
Head traders have to be licensed, which means they have to pass at least one relevant exam administered by FINRA. There are several exams that can make a person eligible to become a head trader, and the correct one depends on the nature of the tradin See More.
Headline earnings are a measurement of a company's earnings based solely on operational and capital investment activities. It specifically excludes any income that may relate to staff reductions, sales of assets, or accounting write-downs. See More.
A headline effect is an adverse effect on a company's stock price brought on by media coverage. See More.
Headline risk is the risk that media coverage of an event will have an adverse effect on a company's stock price. See More.
Health insurance is insurance that covers some or all of the costs of an individuals healthcare. See More.
The Health Insurance Portability and Accountability Act (HIPAA) is a federal law that promises continued health insurance coverage and ensures health information privacy for those covered by health insurance plans. See More.
A health maintenance organization (HMO) is a health insurance provider with a network of contracted healthcare providers and facilities. Subscribers pay a fee for access to services within the HMO's network. See More.
A health reimbursement account (HRA) is a sum of money set aside by a company to offset employee healthcare costs not covered by the company's health insurance plan. See More.
Health savings accounts (HSA) are tax-free savings accounts connected to high-deductible health plans (HDHP). HSAs are used to cover healthcare-related expenses not covered by an HDHP. See More.
A healthcare power of attorney (HCPA) is a document that legally authorizes someone to make health-related decisions on someone else's behalf. See More.
The healthcare sector is the sector of the economy made up of companies that specialize in products and services related to health and medical care. See More.
Heavy industries often sell their products to other industries rather than to end users and consumers. In other words, they usually make products that are used to make other products. Accordingly, when a down economy begins to recover, heavy industry See More.
In finance, a hedge is a strategy intended to protect an investment or portfolio against loss. It usually involves buying securities that move in the opposite direction than the asset being protected. See More.
Hedge accounting is a portfolio accounting method that combines the values of both a security and its offsetting hedge instrument. See More.
A hedge clause is a disclaimer found in financial documents that protects a financial reports' authors from liability for errors within the report. See More.
A hedge fund is an investment structure designed to allow management of a private, unregistered portfolio of assets. See More.
A hedge fund manager is an individual responsible for directing all activities associated with the operation of a hedge fund. See More.
A hedge wrapper strategy, also known as a "collar," is used to lock in the maximum gain and maximum loss of a stock. To execute a hedge wrapper, an investor buys a stock and an out-of-the-money put option while simultaneously selling an out-o See More.
A hedge-like mutual fund is a mutual fund that engages in strategies similar to a hedge fund. See More.
A hedged tender is a strategy used to ensure a profit as a part of a tender offer. See More.
A hedgelet is a binary futures contract whose payoff is conditional upon a specific economic occurrence. See More.
There are a lot of reasons a security might be held at the opening: acquisition announcements, order problems or listing violations. See More.
Held-to-maturity securities refer to debt securities which an investor holds until maturity. See More.
A herd instinct is emotional pressure to agree with other members of a group. The herd instinct results in failures to think critically about an issue, situation or decision. See More.
The Herfindahl Index, also known as the Herfindahl-Hirschman Index (HHI), measures the market concentration of an industry's 50 largest firms in order to determine if the industry is competitive or nearing monopoly. See More.
High Earners, Not Rich Yet (HENRYs) are young, usually well educated, and highly paid but have not accumulated significant wealth yet. See More.
High frequency trading (HFT) is a computerized trading strategy used to exploit fleeting market inefficiencies. These ultra-short-term positions can be in a wide range of assets: stocks, options, futures, currencies, exchange-traded funds (ETFs), and See More.
A High Street Bank is a retail bank in the United Kingdom that has many locations. See More.
The high wave candlestick has a very small real body, and it typifies a stock or index plagued by uncertainty. The spinning top has small upper and lower shadows, whereas in the high wave the shadows are longer, revealing more volatility. He See More.
The dollar limits on HDHPs change often (the government thresholds are indexed for inflation). HDHPs are growing in popularity because they help employers limit insurance costs (they have lower premiums) and because they allow people to open Health S See More.
High-income trigger securities (HITS) are senior unsecured debt securities that pay an annual coupon rate and repay their original principal either in cash or shares, depending on the issuer's stock performance. See More.
High-ratio loans typically have higher interest rates because they are riskier. If the borrower defaults on the loan, the bank might not be able to sell the property for enough to repay the loan. The lender may require the borrower to buy mortgage in See More.
A high-yield bond is a corporate bond with a credit rating below BBB (also called a junk bond). See More.
A high-yield bond fund is a mutual fund that invests in corporate bonds rated below BBB (i.e., high-yield bonds, also called junk bonds). See More.
A high-yield bond spread is simply the difference in yield between two high-yield debt securities or, more commonly, two classes of high-yield debt securities. See More.
Highly compensated employees are usually limited in the amount of money they can set aside in their 401(k) plans and other retirement plans. Specifically, the federal government limits the amount of money that the HCEs at a company can contribute to See More.
The Hindenburg Omen is a technical indictor that attempts to predict market crashes. See More.
A histogram is a visual display of information. It uses bars to show the frequency of an item of data in successive intervals. See More.
A holder of record is the registered owner of a stock, bond or other security. See More.
A holding company owns controlling interest in another company or owns enough stock to control the company's management and operations. Different legal jurisdictions have different rules about what technically constitutes a holding company. See More.
Holding period refers to the time during which an investor holds a given security. See More.
An investor is left "holding the bag" when his or her investment has gone from valuable to worthless or almost worthless. See More.
Home bias is a tendency to invest in companies that reside in the investor's home country. See More.
Home equity equals the value of a house less the balance owed on the homeowner's mortgage. See More.
A home equity line of credit (or HELOC) is a low-cost, flexible loan that lets you to turn your home's equity into cash whenever you need it, up to a certain amount. A HELOC uses your home as collateral just like a home equity loan or cash out r See More.
A home equity loan (HEL), also called a second mortgage, is a loan secured by the equity in a house. Equity equals the value of the house less the balance owed on the homeowner's mortgage. See More.
A home loan (or mortgage) is a contract between a borrower and a lender that allows someone to borrow money to buy a house, apartment, condo, or other livable property. A home loan is typically paid back over a term of 10, 15 or 30 years. See More.
A home mortgage is a loan secured for a house. The borrower is usually obligated to make a predetermined series of payments on the loan. See More.
The term home office has two definitions. First, a company's home office is its headquarters. Second, a home office is a place of business within a person's home. See More.
Home office expenses are those costs incurred by working from a home-based office. These expenses are tax-deductible. See More.
Horizontal integration occurs when a company purchases a number of competitors. It is the opposite of vertical integration, whereby the parent purchases businesses in each stage of a product's life cycle (that is, it buys suppliers, distributors, See More.
A hostile takeover is a type of corporate acquisition or merger which is carried out against the wishes of the board (and usually management) of the target company. See More.
A hostile takeover bid is a type of acquisition or merger offer that is made against the wishes of the board (and usually management) of the target company. See More.
A hot list is a list of credit cards that are reported stolen, canceled or compromised in some way. See More.
House poor is used to describe a homeowner who spends too large a portion of his or her income on home ownership, leaving too little for discretionary spending. See More.
A household employee is a person who provides paid services within a private home. These services are often subject to payroll taxes. See More.
Housing starts is a measure of new private homes built during a given month. This statistic is viewed as a key economic indicator reflecting the state of the economy. See More.
Human capital is the skill, talent, and productivity that employees bring to a company. Coined by University of Chicago economist Theodore Schultz in 1964, the term refers to capital produced by investing in knowledge. See More.
Human resources is an organizational function related to the procurement and retention of talented employees. See More.
A hurdle rate is an investor's minimum rate of required return on an investment. See More.
A hybrid security is a security that has characteristics of one or more asset classes. See More.