Your Free Online Legal Dictionary • Featuring Black’s Law Dictionary, 2nd Ed.

Category: Finance Dictionary

HAUSBANK

In Germany, a BANK acting as the primary relationship banker to a company, providing or arranging a variety of creditrelated services. Hausbanks often wield additional power by directly holding large shareholdings in

HEALTH INSURANCE

A plan covering or sharing expense with health care. They are commercial, private, or social insurance.

HEAT TREATMENT

How metal is heated and than cooled t change its structure and the desired results.

HEDGER

A party that employs HEDGING techniques in order to minimize, or neutralize, RISK, often through DERIVATIVE contracts. See also HEDGE, SPECULATOR.

HEPATITIS

A disease that causes liver inflammation and liver cancer or failure. it is prevented by a vaccine. It can cause flulike symptons but is spread by Hepatitis A and Hepatitis B. It

HIDDEN LOAD

A fee paid without being shown. It is embedded in another charge.

HIGH MINUS LOW (HML)

The way to show short and long term profit for stocks and bonds. It tells how well it will perform.

HIGHLY LEVERAGED TRANSACTION (HLT) LOAN

A LOAN extended by a BANK to a company that already has a high degree of LEVERAGE. HLT loans may be secured or unsecured, and typically have stringent COVENANTS requiring the leveraged

HISTORICAL COST

1. the original cost of an asset that a firm records on the books. It can be changed in the UK and Netherlands. Germany and the US forbids this. 2. money spent

HOLDING COMPANY

A business organization that lets a firm and directors to control other firms. Venturing outside of the core happens in certain conditions for tax benefit and loss sharing. Sometimes a majority must

HOME BANKING

A place to get to funds, information, and services on a computer using the internet. AKA electronic banking.

HOME STAGER

A party that stages homes to make it appealing to buyers. It can be done with occupied and vacant homes. Furniture can be taken away or brought in to achieve the desired

HOSHIN KANRI

The Japanese plan to make sure the objectives are known through the organization and implemented from top to bottom. Usually four vision statements are made to promote future development. The plans for

HOT ISSUE

When the initial public offering demand is more than is avialable. It occurs in high profile companies.

FACILITATING AGENT

A party that gives services like transporting or warehousing. It doesn’t hadle paperwork.

FACULTATIVE OBLIGATORY TREATY

A hybrid of FACULTATIVE REINSURANCE and TREATY REINSURANCE where the CEDING INSURER can choose to assign certain RISKS to the REINSURER, who is then required to accept them.

FAMILY TRUST

A trust that lets a parent transfer asstes to children to prevent a spouse from getting it.

FAST MARKET

The trading floor with heavy volume investments used to match risky ones.

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