What is the Dow ?

Answer

The Dow is also known as the Dow Jones Industrial Average, the Industrial Average, the Dow Jones, and the Dow 30. It is one of several different stock induces, and it was created by Charles Dow, a co-founder of Dow Jones and Company and a Wall Street Journal editor. This index was named after Charles Dow and one of his business associates, a statistician named Edward Jones

Why is the Apy ?

Answer

APY is short for Annual Percentage Yield, and it is an investment term. This is a tool for evaluating how much a deposit will earn for you. This tool is used as a standardized way of comparing various investment options. You should always try to get the highest APY.
 

What is an Endowment ?

Answer

 The word endowment ultimately comes fromLatin words that mean gift or give.  Endowment refers to the state the of either having a gift or certain gifts or giving a gift or gifts.  A common use of the word refers to how a philanthropist may give a large financial contribution to a charity or other not for profit organization.  That money is usually referred to an endowment. 
In another sense, the word endowment can simply mean how a person has or has been given certain gifts.  These gifts can be financial, physical, intellectual, etc.  For example, a woman can be said to have great intellectual endowment, meaning she is highly intelligent and clever.  An athlete can be said to have great physical endowment, meaning she is an extremely fast runnerLatin words that mean gift or give.  

What is Money ?

Answer

Money can be anything that is accepted for the payment of goods and services. 

As ancient societies shifted away from barter and gift systems, commodity money was developed in many areas of the world.  Commodity money is the use of items that have their own value as money.  Some early examples include silver, salt, and barley.

Representative money developed as banks began to issue receipts for deposits of commodity money.  When people began accepting these receipts for payment instead of the commodity itself, money systems changed again.  Bank notes promising payment (promissory notes) were used in conjunction with the commodity.  

Eventually, gold became the most common commodity in use, and as more and more bank notes were put into circulation use of actual gold was discouraged.  After World War II many countries fixed their money to the U.S. dollar, which was fixed to the price of gold.  In 1971, the United States stopped allowing the exchange of dollars for gold and many countries began ignoring the dollar when valuing their money.  Today, money is usually something of little intrinsic value, but has been defined as having value by a government.  This is called fiat money.

What Is Debt?

Answer

A business can use different types of debt in order to finance its operations. There are four general types of debt that they can use: secured and unsecured debt, private and public debt, syndicated and bilateral debt, and other types of debt that display characteristics of one or more of the above categories.

A debt is considered to be secured if the debt holder can seize the assets of a company in the failure of repayment in front of other general obligations of the company. Unsecured debt represents financial obligations in which the lender only has a general claim against the company, and not against any specific assets.

Private debt represents any type of typical bank loan. Public debt is a general term that covers any type of debt that is tradeable on a public exchange, such as a bond. Loan syndication is a risk management tool used by a bank to spread their risk and increased their lending capacity. This involves several banks pooling their money together in order to make the loan

Moral debts involve obligations that have nothing to do with money, and financial debt usually references assets that are owed to someone else. In the case of financial debt, debt is a way of purchasing a product now using wages that will be earned in the future to repay the debt.
 

What is value pricing?

Answer

Value pricing is a business strategy in which

Value pricing is the relationship between the number of features the product has or the overall quality of the product and the price the product is sold at.  It is a good business practice to base the price of a product on the perceived value of the product rather than how much it costs to make the product.

Value pricing would be like spending $500 on a computer built for high-end hard-core gaming or like getting a high-end Rockford Fosgate car stereo competition-ready for less than $1,000.  The reason prices on some higher-end products is so high is because you are paying for the brand name, not the product.

the price of a product or service is based on the perceived value to the customer.

What is value ?

Answer

Value is how much a product is desired over another.  Usually this refers to how many features or how much use a buyer gets out of the product for a certain price.

Value can be defined as how desirable a particular product is over another.  It usually refers to the quality of a product versus the product's overall cost.  It is one of the primary influences of supply and demand.

Examples of value come in all forms.  When shopping for computer hardware, for instance, value would be how many gigabytes of hard drive space per dollar or how many megabytes per second of data transfer speed of a solid state drive or flash memory per dollar.  When shopping for cars, the value would be in the type and quality of the stereo, the quality of the manufacturing, the comfort, the ride noise, the ride quality, the reliability, and the amount of horsepower in relation to the price.
 

What is Indemnity ?

Answer

Quite simply, indemnity is protection against future loss. This can be an explicit agreement between two parties, such as a renter and the landlord in a rental agreement. Indemnity can also be implied, as in the use of a sign that says “Proceed At Your Own Risk.” 
 

What Is An HSA?

Answer

HSA stands for a Health Savings Account. An HSA is another alternative to the traditional health insurance that we are used to. This is a type of savings product that provides another way for Americans to pay for their health care costs.

An HSA allows you to pay for your current health care expenses and save for future qualified medical expenses both while you are working and in retirement in a tax-free way. In order to be eligible to take advantage of an HSA, you must also be covered buy a High Deductable Health Plan (HDHP). A high deductable health plan is generally much cheaper than a traditional health insurance plan, so in theory, the money that you are saving on premiums can be put into the health savings account.

The money in your HSA is owned and controlled by the taxpayer (you), the owner of the HSA. You make all your own decisions on how to spend the money in the HSA without having to rely on a third party or health insurance company. You also make all of your own investment decisions for the money in the HSA so the balance can grow.

The key to remember is that you cannot open a health savings account if you are not already a holder of a high deductable health plan. Sometimes this is also referred to as a catastrophic health insurance plan. In its most basic form, an HDHP is an inexpensive health insurance plan that usually doesn’t pay for the first several thousand dollars of your health care expenses (aka high deductible), but it generally covers your expenses after that point. The plan is to allow you to use your HSA to pay for the expenses that your HDHP does not cover.

In 2008, in order to qualify for a health savings account, the minimum deductible for your HDHP must be at least $1,100 for a single person and $2,200 for a family. The annual out of pocket expense (including deductibles and copays) cannot be greater than $5,600 (for a single person) and $11,200 (for a family). HDHPs are allowed to have first dollar coverage (no deductible) for preventative careand also can have higher out of pocket expenses for services outside of the network, and they will still be eligible.

 

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