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

Category: H

HISTORICAL METHOD

A CREDIT RISK exposure computation methodology for SWAPS using historical INTEREST RATES. Under the historical method past interest rate (or swap rate) data is used to create a statistical distribution of rates.

HOLDING PERIOD

1. the time an asset is held by the woner for tax benefits. 2. When a check is held before it is deposited. 3. the time a hotel keeps a room for

HOME DEPOT

A retailer of home improvement products. It allows customers to do it themselves.

HOMEOSTASIS

The ability of the living things in a system to survive despite changes in a limit. Feedback mechanisms make self regulation possible keeping things balanced.

HORIZONTAL CONFLICT

When more competition among retailers occurs. It lowers profit and causes crowding to reduce supply.

HOT SITE

An alternate computer center chat is made available to continue should a disaster occur in the primary lab. Refer to cold site and warm site.

HALF LIFE (T

The time it takes a material to lose half its amount or concentration. It is related to biodegredation.

HANDLING

Coordiating operations regarding materials or goods over a short distance.

HARD COST

The price of a hard asset like land. It is different from any costs associated with financial issues.

HAY SYSTEM

A job evaluation system that uses know how, problem solving, and accountability. It focuses on ideas that are universally applicable. The three systems are technical know how, management know how, or human

HEALTH PROFESSIONAL

A party that is accredited by the professional body in the study. It is governmentaly licensed to do health care work. Refer to medical practitioner.

HEREUNDER

It refers to terms and guidelines in the documents.

HIDDEN RESERVE

A resource not on a balance sheet like land or a building that has less value than the market value. It is hidden sometimes on purpose to have a lower taxable income.

HIGH RISK FOOD

The most risk of contamination die to storage at a specific temperature range in an unsterilized area.

HIGH-PRESSURE TACTICS

Using threats or intimidation illegally to sell insurance. It is used in marketing for medicare suppliments.

HISTORICAL VOLATILITY

A retrospective statistical measure of the price movement of an ASSET based on historical data, often conveyed in terms of VARIANCE or STANDARD DEVIATION. Historical volatility is applied to various financial and

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