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MOBILE OFFICE

A temporary office with limited purpose. Typically part of moveable, temporary buildings. Establishes a business environment outside of the physical confines of the office space. Also describes an office purely virtual by mobile phone or a laptop computer.

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MODEM

Modulator-demodulator. Digital-to-analog, and back, signal converter. Allows computers to communicate over telephone wires or cable TV cable. Computer’s digital signals become analog signals for transmission. The receiving computer’s modem reconverts the analog signals into digital signals. Signal conversion is called modulation. Reconversion to the original type is demodulation. Earlier modems worked at 56 thousand bits per second (Kbps) or higher data transfer speeds, autocorrect errors, and support voice and fax communications. Current modems, like cable modems push 2 million bits per second (Mbps) or higher speeds. Advanced telephone services like ISBN push even higher speed data transfer without modems.

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MODIGLIANI AND MILLER PROPOSITION I

A proposition that a business’ capital structure change does not necessarily change the business’ total value. A business can finance its operations by debt or withholding share dividend profits, but business’ value continues to be its moneymaking capabilities plus its assets’ risk. Also known as irrelevance proposition and capital structure irrelevance.

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MOMENTUM INDICATOR

The upward and downward movement of a security in the market index.

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MONETARY THEORY

Within the existing economic conditions, available resources and limitations a nation may manage its money as currency using this specific set of ideas.

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MONEY MANAGER

Clients’ advisor on investment opportunities. Manages their portfolios on their behalf. Finance professional in most things financial.

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MONEY PURCHASE PLAN

A particular amount of money is used for each participating employee to purchase an annuity in this type of retirement or pension plan. The annuities’ total is paid to the employee at retirement, as annuities are bought periodically throughout the employment.

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MONOPOLY POWER

On the basis of its market share a supplier has a limited degree of price setting power.

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MORAL HAZARD

In common usage, moral hazard infers a conscious malicious, even illegal, motivation, versus an unconscious behavior change. Circumstance that increases the likelihood of a loss, or abnormal loss. Typically due to a change in an insurance policy applicant’s behavior after policy issuance. Incentives may lead the insured to act in ways that increase insurer risks and costs. Overinsurance or substitution of insured valuable assets with junk are examples. Contrast to morale hazard.

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MORTALITY COST

Mortality-table based cost calculated in life insurance policies. The policy’s face amount times the mortality likelihood, the chance that the policy will be paid out as a claim when the insured dies is the calculated mortality cost,

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MORTGAGE DEBENTURE

The issuing firm’s specified assets are collateral in a mortgage for this corporate loan.

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MORTGAGE MODIFICATION

Mortgage borrower relief option to alter mortgage contract terms. Primarily for borrowers unable to make the mortgage payments under original mortgage contract terms. Refinancing or extending loan terms to reduce the monthly payment amount are the typical methods used.

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MORTGAGE SUITABILITY

Lender accountability in advising consumers on a mortgage loan. Holds lenders accountable for steering a customer to unsuitable mortgage types. Lenders are very opposed to any standard. They state that it is impossible to know everything possible about a consumer prior to issuing a loan. There is no federal suitability in existences at this time.

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MOTIVATION THEORY

Goal-oriented behaviors activated in humans described in this specific concept.

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MSCI-EAFE INDEX

Stands for Morgan Stanley Country Index – Europe, Australasia, Far East. It is an aggregate index of 21 individual country indices. It is widely accepted as a non-American shares benchmark and used to measure performance by most international mutual funds as a market capitalization weighted index, .

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MULTICHANNEL MARKETING

Marketing products by various methods and schemes while also selling the products through various distribution channels that support the other channels selling this same product. Typically the marketer reinforces the other channels in the mix by each channel chosen.

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MULTIGENERATIONAL STUDY

At least three population generations are involved in this specific type of research or survey.

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MULTIPLE EMPLOYER WELFARE ARRANGEMENTS

To provide medical benefits financed by the employer, these types of funds and trusts are arranged.

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MULTIPLE SOURCING

Using many different providers of components and services in the production process. This reduces production risk to the supply chain if it has a problem and keeps production on track in the event of a source delivery failure.

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MULTIWALL

More than one layer or ply exists or comprises.

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