Financial definitions for business owners U

• Definition Undiversifiable risk Explain Related: Systematic risk
• Definition Usury laws Explain Laws limiting the amount of interest that can be charged on loans
• Definition Utility Explain facilities used for the generation, transmission, or distribution of electric energy, which is regulated at state and federal levels
• Definition Utility function Explain a value to all possible choices. In portfolio theory, the utility function expresses the preferences of economic entities with respect to
• Definition Utility revenue bond Explain construction of public utility services. These bonds are repaid from the operating revenues the project produces after the utility is
• Definition Uninsured motorist insurance Explain and family if they are injured by a hit-and-run or uninsured motorist, assuming the other driver is at fault
• Definition Unissued stock Explain Shares authorized in a corporation's charter, but not issued
• Definition Unit Explain More than one class of securities traded together (e.g., one common share and three subscription warrants
• Definition Unit benefit formula Explain #039;s benefits in a defined benefit plan. Involves multiplying years of service by the percentage of salary
• Definition Unit investment trust Explain composition is fixed for the life of the fund. Shares in a unit trust are called redeemable trust certificates, and they are sold at a
• Definition Unit Share Investment Trust (USIT) Explain A unit investment trust comprising one unit of prime and one unit of score
• Definition United States government securities Explain Debt issues of the U.S. government, as distinguished from government-sponsored agency issues
• Definition Universal life Explain A whole life insurance product whose investment component pays a competitive interest rate rather than the below-market crediting rate
• Definition Universe of securities Explain A group of stocks having a common feature, such as similar outstanding market capitalization or same product line
• Definition Unleveraged beta Explain The beta of an unleveraged required return (i.e., no debt) on an investment when the investment is financed entirely by equity
• Definition Unleveraged program Explain less than 50% of a purchase of assets. In a leveraged program borrowed funds are used to finance more than 50
• Definition Unleveraged required return Explain The required return on an investment when the investment is financed entirely by equity (i.e., no debt
• Definition Unlimited liability Explain Full liability for the debt and other obligations of a legal entity. The general partners of a partnership have unlimited liability
• Definition Unlimited tax bond Explain A municipal bond secured by the pledge to levy taxes until full repayment at an unlimited rate
• Definition Unlisted security Explain A security traded in the over-the-counter market that is not listed on an organized exchange
• Definition Unlisted trading Explain Trading in unlisted securities that occurs on an organized exchange to accommodate members. This practice is not permitted at the NYSE
• Definition Unloading Explain Selling securities or commodities whose prices are dropping to minimize loss
• Definition Unmargined account Explain A cash account held at a brokerage firm
• Definition Unmatched book Explain s liabilities is shorter than that of its assets, it is said to be running an unmatched book. The term is commonly used with the Euromarket
• Definition Unpaid dividend Explain A dividend declared by the directors of a corporation that has not yet been paid
• Definition Unqualified opinion Explain that a company's financial statements comply with accepted accounting procedures. Antithesis of qualified opinion
• Definition Unsecured debt Explain Debt that does not identify specific assets that the debtholder is entitled to in case of default
• Definition Unsterilized intervention Explain which the monetary authorities have not insulated their domestic money supplies from the foreign exchange transactions
• Definition Unsystematic risk Explain residual risk. The risk that is unique to a company such as a strike, the outcome of unfavorable litigation, or a natural catastrophe that
• Definition Unwind a trade Explain Reverse a securities transaction through an offsetting transaction in the market
• Definition Up Explain both ways (buy or sell) at the mentioned volume and market. Print; up on the ticker tape, confirming that the trade has been executed
• Definition Up tick Explain Plus tick
• Definition Upgrading Explain security because of new optimism about the prospects of a firm due to tangible or intangible factors. This can increase investor confidence
• Definition Upset price Explain The minimum price at which a seller of property will accept a bid at an auction
• Definition Upside potential Explain The amount by which analysts or investors expect the price of a security may increase
• Definition Upstairs market Explain major brokerage firms and institutional investors, which communicate with each other by means of electronic display systems and telephones
• Definition Upstairs order Explain Used for listed equity securities. Off-floor order
• Definition Upswing Explain An upward turn in a security's price after a period of falling prices
• Definition Uptick rule Explain SEC rule that selling short is allowed only on an up tick
• Definition Uptick trade Explain A transaction that takes place at a higher price than the preceding transaction involving the same security. Related: Tick test rules
• Definition Useful life Explain The expected period of time during which a depreciating asset will be productive
• Definition Treasury bill\. S\. U Explain U.S. government debt with a maturity of less than a year
• Definition Treasury bond\. S\. U Explain U.S. government debt with a maturity of more than 10 years
• Definition Treasury note\. S\. U Explain U.S. government debt with a maturity of one to 10 years
• Definition Underfunded pension plan Explain A pension plan that has a negative surplus (i.e., liabilities exceed assets
• Definition Underinvestment problem Explain substitution problem, in that stockholders refuse to invest in low-risk assets to avoid shifting wealth from themselves to debtholders
• Definition Underlying Explain What supports the security or instrument that parties agree to exchange in a derivative contract
• Definition Underlying asset Explain The security or property or loan agreement that an option gives the option holder the right to buy or to sell
• Definition Underlying debt Explain entities but under the control of larger government entities and for which the larger entity shares the credit responsibility
• Definition Underlying futures contract Explain A futures contract that supports an option on that future, which is executed if the option is exercised
• Definition Underlying security Explain subject to purchase or sold upon exercise of an option contract. For example, IBM stock is the underlying security for IBM options. For
• Definition Undermargined account Explain A margin account that no longer meets minimum maintenance requirements, requiring a margin call on the investor
• Definition Underperform Explain When a security is expected to, or does, appreciate at a slower rate than the overall market rate of performance
• Definition Underpricing Explain Issuing securities at less than their market value
• Definition Undervalued Explain or cheap, as indicated by a particular valuation model. For instance, some might consider a particular company's stock price cheap if
• Definition Underwithholding Explain When a taxpayer has withheld too little tax from salary and will therefore owe tax when filing a return
• Definition Underwrite Explain issuer of securities a specified price by entering into a purchase and sale agreement. To bring securities to market
• Definition Underwriter Explain that buys an issue of securities from a company and resells it to investors. In general, A party that guarantees the proceeds to the firm
• Definition Underwriting Explain Acting as the underwriter in the issue of new securities for a firm
• Definition Underwriting agreement Explain issuing new publicly offered securities and the managing underwriter as agent for the underwriting group. Compare to agreement among
• Definition Underwriting fee Explain The portion of the gross underwriting spread that compensates the securities firms that underwrite a public offering for their services
• Definition Underwriting income Explain For an insurance company, the difference between the premiums earned and the costs of settling claims
• Definition Underwriting spread Explain underwriting syndicate and the selling group, which is essentially the difference between the amount paid to the issuer of securities in a
• Definition Underwriting syndicate Explain together to sell new security offerings to investors. The underwriting syndicate is led by the lead underwriter. See also: Lead underwriter
• Definition Underwritten offering Explain A purchase and sale
• Definition Undigested securities Explain Newly issued securities that are not purchased because of lack of demand during the initial public offering
• Definition Unearned income (revenue) Explain Income received in advance of the time at which it is earned, such as prepaid rent
• Definition Unearned interest Explain loan, but that cannot be treated as a part of earnings yet, because the principal of the loan has not been outstanding long enough
• Definition Unemployment rate Explain The percentage of the people classified as unemployed as compared to the total labor force
• Definition Unencumbered Explain claims by creditors. For example, securities bought with cash instead of on margin and homes with mortgages paid off
• Definition Unfunded pension plan Explain amounts to retirees or beneficiaries as and when they are needed. There is no money put aside on a regular basis. Instead, it is taken out
• Definition Uniform Commercial Code (UCC) Explain Collection of laws dealing with commercial business
• Definition Uniform Gifts to Minors Act (UGMA) Explain effective manner of transferring property to minors without the complications of trusts or guardianship restrictions
• Definition Uniform practice code Explain procedures for handling over-the-counter securities transactions, such as delivery, settlement date, and ex-dividend date
• Definition Uniform securities agent state law examination Explain A test required in some states for registered representatives who are employees of member firms of the NASD or over-the-counter brokers
• Definition Uniform Transfers to Minors Act (UTMA) Explain Minors Act that extends the definition of gifts to include real estate, paintings, royalties, and patents
• Definition Unilateral transfers Explain balance of payments of a country's accounting books that correspond to gifts from foreigners or pension payments to foreign residents
• Definition Ultra vires activities Explain Corporate actions and operations that are not sanctioned by corporate charter, sometimes leading to shareholder lawsuits
• Definition Ultradot Explain proprietary software that stores, and sends baskets of stock through SEAQ to either the NYSE or the curb for program trading
• Definition Ultra-short-term bond fund Explain A mutual fund that invests in bonds with very short maturity periods, usually one year or less
• Definition Umbrella personal liability policy Explain provides protection against damages not covered by standard liability policies, such as large jury awards in lawsuits
• Definition Unamortized bond discount Explain Par value of a bond less the proceeds received from the sale of the bond, less whatever portion has been amortized
• Definition Unamortized premiums on investments Explain The unexpensed portion of the difference between the price paid for a security and its par value
• Definition Unbiased predictor Explain A theory that spot prices at some future date will be equal to today's forward rates
• Definition Uncollected funds Explain The amount of bank deposits in the form of checks that have not yet been paid by the banks on which the checks are drawn
• Definition Uncollectible account Explain An account which cannot be collected by a company because the customer is not able to pay or is unwilling to pay
• Definition Uncovered call Explain the writer does not own shares of underlying stock represented by the option contracts. Uncovered calls are much riskier for the writer
• Definition Uncovered put Explain the writer does not have a corresponding short stock position or has not deposited, in a cash account, cash or cash equivalents equal to
• Definition Under the belt Explain Long position in a stock
• Definition Underbanked Explain When an originating investment banker cannot find enough firms to underwrite a new issue
• Definition Underbooked Explain Describes limited interest by prospective buyers in a new issue of a security during the preoffering registration period
• Definition Undercapitalized Explain A business has insufficient capital to carry out its normal functions

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Undercapitalized, Underbooked, Underbanked, Under The Belt, Uncovered Put, Uncovered Call, Uncollectible Account, Uncollected Funds, Unbiased Predictor

Undercapitalized, Underbooked, Underbanked, Under The Belt