Mutual Associations are cooperative financial institutions similar to Savings and Loan Associations where members' deposits represent shares, affording them voting rights and dividends.
A Mutual Company is a corporation whose ownership and profits are distributed among its members in proportion to the business they conduct with the company. They include mutual insurance companies, mutual savings banks, and federal savings and loan associations.
A detailed exploration of mutual funds, including their structure, benefits, types, tax implications, and historical context.
A mutual insurance company is an insurance organization owned by its policyholders, without shares available on the stock exchange. Explore its structure, history, and differences from stock insurance companies.
Comprehensive Coverage of Mutual Savings Banks, including their unique characteristics, historical context, and importance in the financial landscape.
The National Association of Certified Valuation Analysts (NACVA) is a global professional association that supports business valuation, litigation consulting, and fraud deterrence disciplines within the CPA and professional business advisory communities.
A naked option refers to an options contract for which the seller or buyer does not hold the underlying security. This concept in options trading entails significant risk, as the writer of the naked option could be exposed to substantial losses if the market moves unfavorably.
A Name Position Bond, also known as a Fidelity Bond, covers an employer if employees in specific listed positions commit dishonest acts, such as theft or embezzlement. This insurance provides financial protection and peace of mind to employers.
An overview of NASDAQ, the computerized system providing brokers and dealers with price quotations for securities traded over the counter and New York Stock Exchange-listed securities.
Comprehensive coverage of the National Association of Securities Dealers (NASD), its evolution into FINRA, historical context, functions, and relevance in the financial industry.
An in-depth look at National Banks, their charters, regulatory requirements, and roles within the U.S. financial system.
An in-depth look at the national debt, including its components, implications, historical context, and impact on the federal government's finances.
An in-depth exploration of National Income, including definitions, types, measurement methods, and its significance in economic analysis.
The National Quotation Bureau, now known as Pink Sheets LLC, is the publisher responsible for the compilation and dissemination of quotes for over-the-counter (OTC) securities, primarily known for their 'Pink Sheets'.
National Wealth refers to the aggregate value of all capital and goods possessed within a nation, encompassing tangible and intangible assets, resources, and properties.
A comprehensive explanation of the Natural Business Year, including its definition, applications, examples, and related concepts.
A detailed exploration of natural monopoly, a market structure where a single producer is the most efficient due to high fixed costs and economies of scale, commonly seen in utilities and other essential services.
Detailed explanation of the natural rate of growth, its calculations, and its importance in maintaining current employment and wages.
A detailed overview of near money, including examples like government securities, bank time deposits, money market fund shares, and bonds close to redemption date.
In-depth explanation of negative amortization, its functioning, implications, and impact on loans. Explore different scenarios, historical context, comparisons, and frequently asked questions.
A comprehensive analysis of Negative Carry, a situation where the cost of borrowed money exceeds the yield on financed securities, leading to a financial loss.
An in-depth exploration of negative leverage, its implications, examples, and how it contrasts with positive leverage.
An in-depth look into the concept of negative net worth, its implications, examples, causes, and strategies to overcome it.
Understanding Negative Working Capital, its Financial Implications, Management Strategies, and Related Terms.
Understanding 'Negotiable': Transferable Securities, Settlement Conditions, and More
An in-depth look at Negotiable Certificates of Deposit (NCDs) above $100,000, focusing on their structure, market, and uses.
An in-depth look into Negotiable Order of Withdrawal (NOW) accounts, their characteristics, applicability, and related financial terms.
A comprehensive overview of Negotiated Market Price, highlighting its significance in circumstances influenced by wartime restrictions, unexpected shortages, or natural monopoly situations.
Nellie Mae Corporation, a division of SLM Corporation, offers education financing solutions for undergraduate and graduate students and their families. Discover its history, purpose, and impact on education funding.
A detailed exploration of a nest egg, its purpose, types, investment strategies, and importance in financial planning.
Net Asset Value (NAV) represents the value of a mutual fund or investment fund's assets minus its liabilities, typically expressed in per-share terms.
Net Change refers to the difference between the last trading price of a stock, bond, commodity, or mutual fund from one trading day to the next.
Net Contribution is the excess of the selling price over the variable costs per unit, representing the residual positive effect from an action taken.
Net cost refers to the gross costs of purchasing an asset, adjusted for any income received. This concept is crucial for accurately determining the financial impact of investments and purchases.
Net Domestic Product (NDP) is the gross domestic product (GDP) less the depreciation of a country's capital goods. It indicates the economic obsolescence and the capital spending required to maintain the GDP.
A comprehensive overview of net earnings, also known as net income, including its calculation, importance, and distinctions from other financial metrics.
A comprehensive overview of Net Economic Welfare (NEW), an alternative measure of economic 'well-being' that adjusts GDP by accounting for non-market 'problems' and benefits.
Net Estate is the portion of a decedent's estate subject to estate tax after all allowable deductions under federal and state statutes, including debts, funeral, and administrative expenses, are subtracted from the gross estate.
A comprehensive guide on net income, its calculation, significance in business and tax contexts, and related terms.
Detailed coverage of Net Income Per Share of Common Stock (EPS) including its definition, application, calculation, and its relation to Fully Diluted Earnings per Share.
Net Investment Income represents the excess of investment income over investment expenses. Individuals are allowed to deduct for tax purposes the Investment Interest Expense to the extent of their net investment income.
Net Leasable Area (NLA) refers to the floor space in a building or project that may be rented to tenants and is used to calculate rental payments, excluding common areas and equipment space. Learn about its different types, applications, and more.
A detailed explanation of net leases, where tenants are responsible for paying additional expenses like taxes, insurance, and maintenance, making the landlord's rent income net of these expenses.
An in-depth look at net listing, a real estate listing agreement where the broker's commission is determined by the excess sale price over a predetermined net price to the seller.
A detailed explanation of net loss, its implications, and related concepts in accounting and finance.
Net Operating Income (NOI) is a key metric in real estate and business that represents income after operating expenses but before income taxes and financing expenses.
Net Operating Income (NOI) is a key measure used to assess the profitability of income-generating real estate properties by evaluating total revenue minus operating expenses.
An in-depth exploration of Net Operating Loss (NOL), its definitions, applications, and implications in the context of individual taxpayers and corporations, including limitations, examples, historical context, and related terms.
Understanding the concept, application, and regulations surrounding the Net Operating Loss Deduction in the context of tax filings.
Net Present Value (NPV) is a financial metric used to evaluate the expected financial performance of an investment by comparing the present value of cash inflows to the present value of cash outflows, determining whether the investment is likely to be profitable.
Net Proceeds refer to the amount received from the sale or disposition of property, from a loan, or the sale or issuance of securities after deduction of all costs incurred in the transaction.
A comprehensive overview of Net Profit Margin, a crucial financial metric indicating the percentage of after-tax profit relative to sales.
Net Purchases refer to the total amount paid for purchases after accounting for returns, allowances, and discounts.
Net Quick Assets refer to cash, marketable securities, and accounts receivable minus current liabilities. This financial metric helps determine whether a business can meet current liabilities with readily convertible assets if sales were to cease.
An in-depth understanding of the effective interest rate on a loan which is calculated by dividing the interest by the proceeds received.
In-depth explanation of Net Sales, covering definitions, formulas, applications, and examples
An in-depth exploration of net transactions, where buyers and sellers engage in securities transactions without fees or commissions, including historical context and examples.
An in-depth analysis of Net Working Capital, its formula, types, examples, historical context, and its significance in evaluating financial health.
An in-depth look into net yield, its calculation, importance in investment, comparison with current yield and yield-to-maturity, and real-world applications.
An in-depth exploration of stocks reaching new high or low prices within the last 52 weeks, including their significance, influencing factors, and implications for investors.
A comprehensive explanation of new issues, including initial public offerings (IPOs), regulations, and related terms.
A comprehensive guide covering what a new listing is in the context of the stock or bond exchange, its requirements, types, implications, and historical context.
New Money refers to additional long-term financing provided to a company or government through new issues or issues exceeding the amount of a maturing issue or refunded issues.
Comprehensive overview of the New York Board of Trade (NYBOT), its history, evolution, and current status as ICE Futures US.
The New York Cotton Exchange (NYCE) is a commodities exchange, now a subsidiary of the New York Board of Trade (NYBOT) since 1998, specializing in cotton futures and options contracts.
The New York Mercantile Exchange (NYMEX) is a leading commodity derivatives exchange, providing a platform for trading energy futures, options, and other commodity products.
An in-depth look at the New York Stock Exchange (NYSE), its structure, history, operations, and significance in global finance.
A comprehensive overview of the New York Stock Exchange Composite Index, including its definition, components, calculation, historical context, and significance.
An overview of the Nifty Fifty stocks, which were most favored by institutional investors during the bull markets of the 1960s and early 1970s.
A comprehensive guide to the No Fault system of insurance, where individuals are compensated for automobile accident injuries regardless of fault.
A no-documentation loan, often referred to as a 'no doc' loan, is a type of mortgage for which borrowers are not required to provide proof of income, employment, or assets, making it distinct from traditional loan products.
A detailed explanation of no-growth economies characterized by little or no increase in Gross Domestic Product (GDP), with historical examples and implications.
A no-load fund is a type of mutual fund offered by open-end investment companies that imposes no sales charge on shareholders. Investors buy shares directly from these funds, bypassing brokers, and avoiding the fees associated with load funds.
Comprehensive explanation of no-par stock, its significance, historical context, and related topics.
The Nominal Interest Rate is the rate of return on an investment that is unadjusted for the effect of inflation. It is distinguished from the real rate, which is the nominal rate less the rate of inflation.
A detailed exploration of nominal dollars, their significance, differences from real dollars, and practical applications in economic analysis.
An in-depth explanation of the nominal loan rate, its significance, and how it compares to other interest rate types.
An in-depth look at nominal wage, which evaluates wages without accounting for the current purchasing power. It explores the significance, examples, historical context, and related terms with definitions.
Explore the concept of nominal yield, its calculation, types, historical context, real-world examples, comparisons with real interest rate, and FAQs.
A Nonbank Bank is an institution offering many bank-like services without being under the federal or state banking system's regulation.
An in-depth exploration of Nonbusiness Income, its taxation implications, types, and related considerations in multistate corporations.
An in-depth look at noncallable preferred stock or bonds, their features, benefits, and key considerations.
A noncompetitive bid is a way for smaller investors to purchase U.S. Treasury bills at the average price of competitive bids accepted by the Treasury. Learn the intricacies, applications, and benefits of noncompetitive bidding.
A comprehensive guide to Nonconforming Loans, including their defining characteristics, interest rates, and relationship to Jumbo Mortgages and No-Documentation Loans.
An in-depth analysis of noncontributory qualified pension or profit-sharing plans, focusing on benefits, types, historical context, and applicability.
An in-depth look at noncurrent assets, their characteristics, examples, and importance in accounting and finance.
A Nondiscretionary Trust is an investment trust limited to securities listed at its inception, with predetermined asset allocation parameters. Often referred to as a fixed investment trust.
A nondisturbance clause is a provision in mortgage or sales contracts that ensures the continuation of leases or guarantees that mineral rights exploration does not interfere with surface development. Essential for the stability of income-producing properties and surface land rights.
An in-depth analysis of nondivisive reorganizations in the context of corporate spin-offs, including definitions, types, examples, and legal considerations.
Nondurable goods, also known as soft goods or consumables, are products that are consumed or only usable for a short period before they get replaced. Common examples include food, beverages, and toiletries.
Comprehensive explanation of Nonexclusive Listing, its characteristics, examples, and applications in Real Estate.
Nonforfeitable benefits in the context of pension and profit-sharing plans refer to benefits that are guaranteed to the employee regardless of length of service or performance requirements. This ensures financial security and loyalty from employees.
An in-depth exploration of nonforfeiture provisions in life insurance policies, detailing the various options available to policyholders to protect their benefits.
A nonmember bank is a bank that is not a member of the Federal Reserve System and is regulated by the banking laws of the state in which it is chartered.
A brokerage firm that is not a member of an organized exchange and executes trades through member firms, regional exchanges, or in the third market.
Understanding Nonmonetary Items in Financial Statements and Their Adjustments
A comprehensive guide to understanding nonnegotiable instruments, their types, historical context, and key differences from negotiable instruments.
A comprehensive guide to Nonoperating Expense (Revenue), outlining expenses and income that are incidental to a business's main activities, such as the sale of land by a mattress maker.
A Nonperforming Asset (NPA) is an asset that ceases to generate income for its holder. Typically applied in banking, NPAs include commercial loans that are 90 days past due and consumer loans 180 days past due.
Comprehensive overview of nonprofit accounting, including policies, procedures, and techniques distinct to governmental and nongovernmental units.
