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What is a Cheque? - 1/28/2006
A cheque (CwE) or check (AmE), thought to have developed from Persian ?? chek, is a negotiable instrument instructing a financial institution to pay a specific amount of a specific currency from a specific demand account held in the maker/depositor's name with that institution. ...
Parts of a cheque - 1/28/2006
A cheque shall contain the following items which are stated in here. ...
Types of cheques - 1/28/2006
In the United States, cheques are governed by Article 3 of the Uniform Commercial Code. ...
Fiat currency - 1/28/2006
In economics, fiat currency or fiat money is money whose purchasing power derives from a declaratory fiat of the government issuing it. ...
History of the United States dollar - 1/28/2006
The history of the United States dollar covers more than 200 years. ...
Silver standard - 1/28/2006
The silver standard is a monetary system in which the standard economic unit of account is a fixed weight of silver. ...
Gold standard - 1/28/2006
The gold standard is a monetary system in which the standard economic unit of account is a fixed weight of gold and currency issuers guarantee, under specified rules, to redeem notes in that amount of gold. ...
Gold as an investment - 1/28/2006
This article discusses the use of the precious metal gold as an investment. ...
Gold bug - 1/28/2006
The term gold bug is a pejorative term used to describe investors who are very bullish on buying the commodity (XAU - ISO 4217) gold. ...
International Monetary Fund - 1/28/2006
The International Monetary Fund (IMF) is the international organization entrusted with overseeing the global financial system by monitoring exchange rates and balance of payments, as well as offering technical and financial assistance when asked. ...
World Bank Group - 1/28/2006
The World Bank Group is a group of five international organizations responsible for providing finance to countries for purposes of development and poverty reduction, and for encouraging and safeguarding international investment. ...
Ripple monetary system - 1/28/2006
Ripple is an open-source software project for developing a peer-to-peer distributed social network service with a monetary honor system based on trust that already exists between people in real-world social networks. ...
Loan - 1/28/2006
A loan is a type of debt. ...
Personal finance - 1/28/2006
Personal finance is the application of the principles of financial economics to an individual's (or a family's) financial decisions. ...
The financial planning process - 1/28/2006
The financial planning process is a dynamic process that requires regular monitoring and reevaluation. In general, it has five steps: ...
Social security - 1/28/2006
Social security mainly refers to a field of social welfare concerned with social protection, or protection against socially recognized needs, including poverty, old age, disability, unemployment, families with children and others. ...
Wealth - 1/28/2006
Wealth is an abundance of items of economic value, or the state of controlling or possessing such items, and encompasses money, real estate and personal property. ...
The creation of wealth - 1/28/2006
Wealth is created through several means which are mentioned in here. ...
Capital accumulation - 1/28/2006
Most generally, the accumulation of capital refers simply to the gathering or amassment of objects of value; the increase in wealth; or the creation of wealth. ...
Capital accumulation and risk - 1/28/2006
Most capital accumulation involves risk, because capital is committed to an investment without perfect certainty about future earnings. ...
Poverty - 1/28/2006
Poverty is the state of being without the necessities of daily living, often associated with need, hardship and lack of resources across a wide range of circumstances. ...
World poverty - 1/28/2006
The Copenhagen Declaration describes absolute poverty as "a condition characterized by severe deprivation of basic human needs, including food, safe drinking water, sanitation facilities, health, shelter, education and information." ...
Causes of poverty - 1/28/2006
There are many causes of poverty which are mentioned herein. ...
Income disparity - 1/28/2006
Income disparity or wage gap is a term used to describe inequities in average pay or salary between socio-economic groups within society, or the inequities in pay between individuals who produce the same work. ...
Economic inequality - 1/28/2006
Economic inequality refers to disparities in the distribution of economic assets and income. ...
Causes of Inequality - 1/28/2006
There are many reasons for economic inequality within societies. These causes are often inter-related and complex. ...
What is meant by Income inequality metrics? - 1/28/2006
Income inequality metrics or income distribution metrics are techniques used by economists to measure the distribution of income among members of a society. ...
International inequality - 1/28/2006
Economic differences between rich and poor countries are considerable. ...
Causes of international inequality - 1/28/2006
There are many hypotheses about what may cause international inequality. ...
Economic development - 1/28/2006
Economic development is the development of economic wealth of countries or regions for the well-being of their inhabitants. ...
Minimum wage - 1/28/2006
The minimum wage is the minimum rate a worker can legally be paid (usually per hour) as set by statute. ...
Living wage - 1/28/2006
Living wage refers to the minimum hourly wage necessary for a person to achieve a basic standard of living. ...
Labour economics - 1/28/2006
Labour economics seeks to understand the functioning of the market for labour. ...
Criticisms of labour economics - 1/28/2006
One critique of standard economic analysis of labour markets is that it does not account for the importance of social networks in the employment process. ...
Unemployment - 1/28/2006
In economics, a person who is able and willing to work at prevailing wage rate yet is unable to find a paying job is considered unemployed. ...
Types of Unemployment - 1/28/2006
There are seven types of unemployment which are mentioned in here. ...
Wage slavery - 1/28/2006
Wage slavery is a condition in which a person is legally (de jure) voluntarily employed but practically (de facto) a slave. ...
Poverty in the United States - 1/28/2006
There is significant disagreement about poverty in the United States; particularly over how poverty ought to be defined. ...
Pauperism - 1/28/2006
Pauperism (Lat. pauper, poor) is a term meaning generally the state of being poor or poverty, but in English usage particularly the condition of being a "pauper", i.e. in receipt of relief administered under the poor law. ...
Hunger - 1/28/2006
Hunger is applied literally to the need or craving for food; it can also be applied metaphorically to cravings of other sorts. It is an extreme of a normal appetite. ...
Cycle of poverty - 1/28/2006
In economics and sociology, the cycle of poverty, or poverty cycle is a social phenomena whereby poverty-stricken individuals exhibit a tendency to remain poor throughout their lifespan. ...
The "Vicious" Cycle of Poverty - 1/28/2006
The vicious cycle of poverty is an argument about the causes of poverty offered by liberal reformists. ...
Wealth condensation - 1/28/2006
Wealth condensation is a theoretical process by which, in certain conditions, newly-created wealth tends to become concentrated in the possession of already-wealthy individuals or entities. ...
The economic conditions for wealth condensation - 1/28/2006
The first condition is an unequal distribution in the first place. ...
Mortgage - 1/28/2006
A mortgage is a method of using property as security for the payment of a debt. ...
Equity loan - 1/28/2006
An equity loan is a mortgage placed on real estate in exchange for cash to the borrower. ...
Hard money loan - 1/28/2006
A hard money loan is a specific type of financing in which a borrower receives funds based on the value of a specific parcel of commercial real estate. ...
Asset Based Loan - 1/28/2006
An asset based loan will typically be lent to a borrower, and secured by either residential or commercial real estate, or both if they are cross collatoralized, at a fixed percentage of the properties appraised value. ...
Reverse mortgage - 1/28/2006
A reverse mortgage (known as equity withdrawal in the United Kingdom) is a type of loan available to older people. ...
Repayment mortgage - 1/28/2006
A repayment mortgage is a term generally used in the UK to describe a mortgage in which the monthly repayments consist of repaying the capital amount borrowed as well as the accrued interest. ...
Interest-only loan - 1/28/2006
An interest-only loan is a loan in which for a set term the borrower pays only the interest on the capital; the capital remains owing. ...
Wraparound mortgage - 1/28/2006
A wraparound is a way of lowering the barriers of entry to a junior lien or subordinate mortgage. ...
Negative amortization - 1/28/2006
In finance, negative amortization, also known as NegAmMort, is an amortization method in which the borrower pays back less than the full amount of interest owed to the lender each month. ...
Adjustable rate mortgage - 1/28/2006
An adjustable rate mortgage or variable rate mortgage is a loan secured on a property (house) whose interest rate and so monthly repayment vary over time. ...
Blanket loan - 1/28/2006
A blanket loan, or blanket mortgage, is a mortgage client securing several parcels of property. ...
Bridge loan - 1/28/2006
A bridge loan (or swing loan) is a type of short-term loan in the financial industry. ...
Hard money lender - 1/28/2006
Hard money lenders are lending companies offering a specialized type of real-estate backed loan. ...
Commercial lender (US) - 1/28/2006
In the US a commercial lender offers loans backed by hard collateral. ...
Commercial Lending Practices - 1/28/2006
Commercial lenders include commercial banks, mutual companies, private lending institutions, hard money lenders and other financial groups. ...
Costs of Commercial Lenders - 1/28/2006
Commercial lenders weigh the type, quality, and equity of the hard collateral very heavily. ...
Commercial Lending Industry - 1/28/2006
Thanks to freedom from regulation, the commercial lending industry operates with particular speed and responsiveness, making it an attractive option for those seeking quick funding. ...
Debt consolidation - 1/28/2006
Debt consolidation entails taking out one loan to pay off many others. ...
Refinancing - 1/28/2006
Refinancing refers to applying for a secured loan intended to replace an existing loan secured by the same assets. The most common consumer refinancing is for a home mortgage. ...
Predatory lending - 1/28/2006
Predatory lending refers to unconscionable lending practices that take advantage of vulnerable borrowers, such as the elderly or unsophisticated. ...
Legislation combating predatory lending - 1/28/2006
Many laws at both the Federal and state government level are aimed at preventing predatory lending. ...
Payday loan - 1/28/2006
A payday loan or cash advance is a small, short-term loan (typically up to $500) without a credit check that is intended to bridge the borrower's cashflow gap between pay days. ...
Controversy over Payday loan - 1/28/2006
As a form of subprime lending, such as high interest rate credit cards, payday lending is the subject of controversy. ...
Risk based pricing - 1/28/2006
Risk-based pricing is the practice in the financial services industry to charge different interest rates on the same loan to different people, depending on their credit score and other factors which make it seem like they are more likely to not pay back the loan. ...
Liability - 1/28/2006
In the most general sense, a liability is anything that is a hindrance, or puts one at a disadvantage. ...
Clasification of liabilities - 1/28/2006
Liabilities are reported on a balance sheet and are usually divided into 2 categories which are mentioned herein. ...
What is Bankruptcy? - 1/27/2006
What is Bankruptcy? ...
History of Bankruptcy - 1/27/2006
History of Bankruptcy ...
Purpose of laws of bankruptcy - 1/27/2006
There are many reasons for the laws of bankruptcy. ...
Bankruptcy fraud - 1/27/2006
Bankruptcy fraud is a business crime of filing for bankruptcy with criminal intent. ...
Bankruptcy in Canada - 1/27/2006
Bankruptcy in Canada ...
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