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how can i make 1 000 a month from passive income | there are plenty of ways to generate passive income examples include renting out a space such as a bedroom or an entire house investing in securities that pay dividends or interest and selling goods and services online as a side hustle the bottom linepassive income can be derived over time using different means from re... | |
passive investing is an investment strategy to maximize returns by minimizing buying and selling index investing is one common passive investing strategy whereby investors purchase a representative benchmark such as the s p 500 index and hold it over a long time passive investing can be contrasted with active investing... | understanding passive investingpassive investing methods seek to avoid the fees and limited performance that may occur with frequent trading the goal of passive investing is to build wealth gradually also known as a buy and hold strategy passive investing means purchasing a security to own it long term unlike active tr... | |
how can you start passive investing | purchasing an index fund is a common passive investment strategy index funds are designed to mirror the activity of a market index such as the russell 2000 index 5 index funds are designed to maximize returns in the long run by purchasing and selling less often than actively managed funds exchange traded funds etfs are... | |
what are the costs associated with passive investment | passive investing is often less expensive than active investing because fund managers are not picking stocks or bonds passive funds allow a particular index to guide which securities are traded which means there is not the added expense of research analysts even passively managed funds will charge fees 7 whenever decid... | |
what kind of returns can you expect from passive investing versus active investing | actively investment aims to drive up returns by pursuing frequent trading but these returns are diminished by the fees associated with professional management and frequent buying and selling research shows that few actively managed funds give investors returns above benchmark over long periods of time 8passive investin... | |
what does past due mean | past due refers to a payment that has not been made by its cutoff time at the end of its due date a borrower who is past due will usually face some penalties and can be subject to late fees failure to repay a loan on time usually has negative implications for a borrower s credit status and may cause loan terms to be p... | |
when a borrower who is overdue on their payments receives their next account statement the balance owed will be the current balance plus their overdue balance plus any late charges and interest fees to bring the account up to good standing the borrower must make the required minimum payments including any late fees or ... | a lender may also increase the interest rate on the account as a penalty which increases the amount owed lenders can often decrease or increase interest rates depending on payment history 6an individual or business that is 30 days behind schedule on a loan payment may be reported delinquent to the credit bureaus after ... | |
what does 30 days past due mean | thirty days past due means that you haven t made a payment on your loan obligation in 30 days this is the turning point where it may impact your credit history typically if your account is 30 days past due or in some cases 60 you will be reported to the credit bureaus and your credit profile will take a hit the longer ... | |
what happens will depend on the type of loan in most cases you will be charged a late fee if you rectify the situation that s as bad as it may get if you keep missing payments then you may have your interest rate increased depending on the loan and the contract you may be reported to the credit bureaus hurting your cre... | the bottom linemissing the due date of your loan obligation whether that be a student loan credit card or car loan comes with serious consequences that hurt the borrower s finances this happens through late fees higher interest charges or other penalties that can send a borrower spiraling further into debt it s critica... | |
what is a patent | a patent is the granting of a property right by a sovereign authority to an inventor this grant provides the inventor exclusive rights to the patented process design or invention for a designated period in exchange for a comprehensive disclosure of the invention they are a form of incorporeal right government agencies ... | |
how to apply for a patent | before making a formal application an applicant should research the patent and trademark office s database to see if another person or institution has claimed a patent for a similar invention the invention must be different from or an improvement upon a previous design to be considered for a patent applicants need to t... | |
what is the protecting americans from tax hikes path act | the protecting americans from tax hikes path act of 2015 was an obama era law that expanded or renewed several tax credits for individuals families and businesses while implementing measures to prevent fraudulent claims for those credits the act remains in force the act primarily affects people who are eligible to rece... | |
what is the difference between actc and ctc | the actc is simply the refundable portion of the ctc it refers to the amount that can be claimed by families who owe the irs less money than their qualified ctc amount | |
is the path act a good thing | the path act had several provisions that addressed issues for lower income taxpayers and created steps to protect taxpayers from fraudulent activity other provisions addressed separate tax issues that have generally been accepted as positive changes the bottom linethe path act of 2015 was an obama era law that expanded... | |
what is path dependency | path dependency explains the continued use of a product or practice based on historical preference or use a company may persist in the use of a product or practice even if newer more efficient alternatives are available path dependency occurs because it is often easier or more cost effective to continue along an alread... | |
what is the usa patriot act | the patriot act or usa patriot act was passed shortly after the terrorist attacks in the united states that occurred on september 11 2001 and gave law enforcement agencies broader powers to investigate indict and bring terrorists to justice it also led to increased penalties for committing and supporting terrorist crim... | |
what is the usa freedom act | to help prevent the patriot act from infringing on the civil liberties of american citizens president barack obama signed the usa freedom act into law on june 2 2015 ending the bulk collection of phone records under section 215 of the patriot act it also required transparency between the united states foreign intellige... | |
what is a sneak and peek search | the patriot act allows federal law enforcement to delay giving notice and conduct secret searches of homes or offices as deemed necessary while the occupant of a home or business is away 8 | |
what is the usa patriot and terrorism reauthorization act | many of the patriot act s requirements were set to expire in 2005 and despite continued civil liberties and privacy concerns president george w bush signed the usa patriot and terrorism reauthorization act on march 9 2006 continuing the use of the provisions already in place 1the bottom linethe usa patriot act commonly... | |
what is a pattern day trader pdt | a pattern day trader pdt is a regulatory designation for those traders or investors who execute four or more day trades over the span of five business days using a margin account the number of day trades must constitute more than 6 of the margin account s total trade activity during that five business day window 1if th... | |
why has my broker flagged me as a pattern day trader | brokers automatically flag pattern day traders these are customers who execute four or more day trades within five business days provided that the number of day trades represents more than 6 of the customer s total trades in a margin account for that same five business day period this rule is a minimum requirement and ... | |
what is classified as a day trade | day trading refers to buying then selling or selling short then buying the same security on the same day just purchasing a security without selling it later that same day would not be considered a day trade 1 | |
should i be concerned that i ve been flagged as a pattern day trader | not necessarily but you will face certain account restrictions or requirements under financial industry regulatory authority finra rules customers designated pattern day traders by their broker must have at least 25 000 in their accounts and can only trade in margin accounts if the account falls below that requirement ... | |
what is pay yourself first | pay yourself first is an investor mentality and phrase popular in personal finance and retirement planning that encourages you to save money before you spend it if you direct some of your paycheck to a savings or investment account that is pay yourself before you do anything else with that money your savings will grow... | |
what percentage of americans are saving money | in 2023 over a third 37 of americans could not cover a 400 emergency in cash or its equivalent a federal reserve report found this is the same as it was in 2022 but a bit higher than it was in 2021 32 in 2023 a similar percentage of people believed their retirement savings were on track 34 which was about the same in 2... | |
what is the average retirement savings by income | the federal reserve board found that in surveys conducted from 2016 2022 the average retirement savings among everyone who responded 35 years old to 64 years old was about 331 000 the number of families who participated in retirement plans increased to the highest level since 2010 for those with incomes in the bottom h... | |
what is payable on death pod | a bank account with a named beneficiary is called a payable on death pod account also known as a totten trust pod is an arrangement between a bank or credit union and a client that designates beneficiaries to receive all of the client s assets the immediate transfer of assets is triggered by the death of the client tho... | |
what is a payable on death pod account | a bank account or certificate of deposit cd with a named beneficiary is called a payable on death pod account people who designate pod accounts do so to avoid probate court when they die | |
what is the point of a pod account | the primary benefit of designating a beneficiary for a bank account such as savings or a cd is to avoid a probate court deciding how to distribute the proceeds to any heirs in the event of the death of the account holder probate court incurs costs that must be paid by the estate of the deceased and often dilute the val... | |
how do you set up a pod account | a bank account or cd can be set up as a pod account by completing forms that designate the beneficiary or beneficiaries upon the death of the account owner this is a simple process that can be accomplished online by completing the beneficiary section that includes the full name address and social security number of the... | |
what is the payback period | the payback period is the amount of time it takes to recover the cost of an investment simply put it is the length of time an investment reaches a breakeven point people and corporations mainly invest their money to get paid back which is why the payback period is so important in essence the shorter the payback an inve... | |
what is a good payback period | the best payback period is the shortest one possible getting repaid or recovering the initial cost of a project or investment should be achieved as quickly as it allows however not all projects and investments have the same time horizon so the shortest possible payback period needs to be nested within the larger contex... | |
is the payback period the same thing as the breakeven point | while the two terms are related they are not the same the breakeven point is the price or value that an investment or project must rise to cover the initial costs or outlay the payback period refers to how long it takes to reach that breakeven | |
is a higher payback period better than a lower payback period | a higher payback period means it will take longer for a company to cover its initial investment all else being equal it s usually better for a company to have a lower payback period as this typically represents a less risky investment the quicker a company can recoup its initial investment the less exposure the company... | |
what are some of the downsides of using the payback period | as the equation above shows the payback period calculation is a simple one it does not account for the time value of money the effects of inflation or the complexity of investments that may have unequal cash flow over time the discounted payback period is often used to better account for some of the shortcomings such a... | |
when would a company use the payback period for capital budgeting | the payback period is favored when a company is under liquidity constraints because it can show how long it should take to recover the money laid out for the project if short term cash flows are a concern a short payback period may be more attractive than a longer term investment that has a higher npv the bottom lineth... | |
what is a payday loan | payday loans are short term high interest loans based on your income the principal of the loan is generally equal to a part of your upcoming paycheck 1 payday loans take advantage of the borrower s need for immediate credit by charging a higher than normal interest rate before taking out a payday loan learn your option... | |
how payday loans work | payday loan providers will normally require you to show proof of your income usually your pay stubs from your employer they will then lend you a portion of the money that you will be paid you will have to pay the loan back within a short time generally 30 days or less 1payday lenders take on a lot of risk because they ... | |
how to get a payday loan | you can apply for payday loans online at various loan providers you can also apply for payday loans at local providers who are generally small lenders with physical stores for a payday loan application you will need a bank account and government id you will also need to provide proof of income which can be done through... | |
are payday loans legal | efforts to regulate payday lenders were proposed in 2016 under the obama administration and put in place in 2017 when the consumer financial protection bureau cfpb under then director richard cordray passed rules to protect consumers from what cordray referred to as debt traps 8the rules included a mandatory underwriti... | |
are payday loans fixed or variable | payday loans are usually meant to be paid off in one lump sum payment when you get your paycheck because of this the interest rate on these loans is fixed in fact many payday lenders don t even express their charges as an interest rate but they instead charge a fixed flat fee that can be anywhere from 10 to 30 per 100 ... | |
is a payday loan secured or unsecured | most payday loans are unsecured this means that you do not have to give the lender any collateral or borrow against a valuable item as you do in a pawn shop instead the lender will normally ask you for permission to electronically take money from your bank credit union or prepaid card account alternatively the lender m... | |
how long do payday loans stay in the system | the records of traditional loans may be kept for six to 10 years by credit bureaus the companies that calculate credit scores which in turn may affect your ability to borrow money in the future payday lenders do not usually report to the credit bureaus even in case of overdue repayments however the payday loan may be f... | |
what is a payee | a payee is a party in an exchange of goods or services who receives payment the payee is paid by cash check or another transfer medium by a payer the payer receives goods or services in return the name of the payee is included in the bill of exchange and it usually refers to a natural person or an entity such as a busi... | |
what is a payment | payment is the transfer of money goods or services in exchange for goods and services in acceptable proportions that have been previously agreed upon by all parties involved a payment can be made in the form of services exchanged cash check wire transfer credit card debit card or cryptocurrencies understanding payments... | |
doesn t charge interest since all payments are facilitated using the spender s money | often has limited fraud protection up to certain dollar amounts or time periodslimit your spending capabilities to your account balance not allowing for higher amounts of spending for emergency or high need situationscharge overdraft fees through some banks when you attempt to withdrawn more funds than available in you... | |
don t build your credit score as no credit is used | cash is still used for many businesses such as the retail industry coffee shops and convenience stores for example still accept cash payments considering the fees associated with debit and credit cards many retail small businesses prefer cash payments from their customers cash has its own disadvantages as it can be los... | |
does not build your credit score as no credit is used | incurs atm fees when withdrawing cash from an atm | |
doesn t keep a record of spending like other digital means do | the contactless payment technology that has emerged in recent years has made payments easier than ever the credit or debit card machine called a point of sale terminal pos can read the customer s banking information through the software application that s installed on the mobile device once the phone reads the informat... | |
doesn t require user to carry around additional goods as long as they normally have their phone on them | still an emerging type of payment so it is not always accepted only supported by certain types of mobile phones ties together multiple assets if you lose access to your phone via theft or dead battery you cannot make payments may require payer to use specific app at specific places i e apple stores may only accept appl... | |
are still susceptible to fraud if depositing bank does not require id fraudulent checks only require a single forged signature | wire transfers and ach payments automatic clearing house are typically used for larger or more frequent payments in which a check or credit card wouldn t be appropriate a payment from a manufacturer to a supplier for example would typically be done via wire transfer particularly if it was an international payment an ac... | |
do not require use of a bank account facilitation only requires an internet connection | can easily accommodate a payee s preferred digital currency by swapping coins tokens in a centralized or decentralized exchangemay result in very fast payment processing | |
does not have stable value and may result in loss of capital | require moderate technical understanding of how to send funds failure to send correctly may result in loss of funds not as widely of an accepted means of payment compared to other methodsspecial considerationsthe payee may choose to compromise on debt and accept partial payment in lieu of full settlement of the obligat... | |
what does payment mean | payment is the exchange of something of value as part of an agreement one party makes payment and receives something else of value while the other party receives payment in exchange for providing a good or service the most traditional type of payment was through physical currency but a majority of payment types now lev... | |
what are the main types of payments | traditionally cash debit cards credit cards and checks were the main types of payments now more advanced forms of digital payments are becoming more popular this includes online payment services digital currencies and electronic transfers | |
what is a bank payment | a bank payment is a transfer from one bank account to another it is a form of digital payment that leverages technology to transfer currency instead of relying on transferring physical currency or writing a paper check a bank payment can be issued for many reoccurring expenses i e utility bills or sporadic expenses i e... | |
what is the best form of payment | there is no single best form of payment as each typically has its own advantages and disadvantages more traditional forms for payment like cash don t need technology and are often universally accepted more modern forms of payment have less risk of theft and may be accompanied by payment rewards the bottom linethe world... | |
what is payment in kind pik | payment in kind pik is the use of a good or service as payment instead of cash payment in kind also refers to a financial instrument that pays interest or dividends to investors of bonds notes or preferred stock with additional securities or equity instead of cash payment in kind securities are attractive to companies ... | |
what is the original meaning of payment in kind pik | the phrase payment in kind also applies to accepting cash alternatives for work or services for example a farmhand who is given free room and board instead of receiving an hourly wage in exchange for helping out on the farm is an example of payment in kind pik is derived from the bartering system that was used before t... | |
what is payment in kind pik debt | payment in kind also refers to a financial instrument that pays interest or dividends to its investors it s a type of mezzanine financing with characteristics indicative of debt and equities they tend to pay a relatively high rate of interest but are considered risky pik notes give the issuer a chance to delay making d... | |
why would pik debt be attractive to some firms | pik securities are attractive to companies preferring not to make cash outlays in most cases pik notes compromise a fraction of a company s total outstanding debts and the financier structures these notes so they mature later than the company s other debts this allows the company to focus on repaying traditional debts ... | |
how is payment in kind taxed | the internal revenue service considers bartered exchanges as income the fair market value of goods and services are often taxable as the recipient received a value even though the exchange was not made in cash the bottom linesome payment in kind arrangements call for periodic assessments of interest interest on these d... | |
what is a payout | payouts refer to the expected returns or disbursements from investments or annuities a payout may be expressed as a lump sum or on a periodic basis and as either a percentage of the investment s cost or in a real dollar amount a payout can also refer to the period in which an investment or project is expected to recoup... | |
what is an example of an annuity payout | take a life annuity with an account balance of 2 million a 6 payout rate would distribute 120 000 to the annuitant every year until their death divided into monthly payments this would equal 10 000 per month | |
what is the meaning of payout payment | payout as a noun is a sum of money that someone receives either in a lump sum or on a regular basis it s a payment paying out as a verb is the process of making a payment to a recipient | |
is it payout or pay out | according to merriam webster payout is a noun that means the act of paying out or payoff 1the bottom linea payout is typically what you receive as an investor as a return on your investment it may come in the form of dividends or share buybacks or as a periodic distribution during retirement such as from a pension or a... | |
what is the payout ratio | the payout ratio is a financial metric that shows the proportion of earnings a company pays its shareholders in the form of dividends it s expressed as a percentage of the company s total earnings but it can refer to the dividends paid out as a percentage of a company s cash flow in some cases the payout ratio is also ... | |
what does the payout ratio tell you | the payout ratio is a key financial metric used to determine the sustainability of a company s dividend payment program it s the amount of dividends paid to shareholders relative to the total net income of a company the higher the payout ratio the more its sustainability is generally in question especially if it s over... | |
how is the payout ratio calculated | the payout ratio shows the proportion of earnings that a company pays its shareholders in the form of dividends expressed as a percentage of the company s total earnings the calculation is derived by dividing the total dividends being paid out by the net income generated another way to express it is to calculate the di... | |
is there an ideal payout ratio | no single number defines an ideal payout ratio because adequacy largely depends on the sector in which a given company operates companies in defensive industries tend to boast stable earnings and cash flows that can support high payouts over the long haul companies in cyclical industries typically make less reliable pa... | |
what is paypal | paypal is a payment platform with a website and a phone app that enables payments through online money transfers paypal customers create an account and connect it to a checking account a credit card or both once identification and payment method are confirmed users can send or receive payments online or make purchases ... | |
how paypal works | paypal offers payment services for consumers and for merchants who accept paypal merchants use a paypal card reader in brick and mortar stores or enable paypal as a payment option on their websites consumers can pay invoices and transfer money with relative ease cash can be transferred to any email address or phone num... | |
is paypal a good choice for a small business | paypal is one of a number of competitors for small business clients but it s a big one its advantages to a merchant include great ease of use and access to a range of additional features that can help you run a small business its disadvantages include relatively high merchant fees compared to some credit card payment s... | |
is paypal a good choice for a consumer | if you re shopping online in the u s paypal is likely to be the only choice at the checkout other than directly using a credit or debit card for payment if you card or bank account is already saved in paypal it might be a bit faster to go with paypal rather than reentering your payment information on the website additi... | |
is paypal safe to use | paypal uses end to end encryption and users have the option to enable two factor authentication to increase the security of their transactions it s as safe as electronic transactions get these days the bottom linepaypal is a big player in the crowded field of payment apps for use online and off its basic services like ... | |
what is payroll | payroll is compensation a business must pay to its employees for a set period or on a given date it s usually managed by the accounting or human resources department of a company but small business payrolls might be handled directly by the owner or an associate payroll is increasingly outsourced to specialized firms th... | |
what is a payroll tax | a payroll tax includes the taxes employees and employers pay on wages tips and salaries for employees taxes are withheld from their paychecks and paid to the government by the employer these taxes include federal state and local income taxes it also includes the employee s share of social security and medicare taxes fi... | |
what makes up payroll taxes | payroll taxes include all of the taxes on an individual s salary wage bonus commission and tips these taxes are used to pay for social security medicare unemployment government programs and local infrastructure 14 | |
what is the fica tax | the fica tax stands for federal insurance contributions act and is used to pay for social security and medicare the total tax is 15 3 split evenly between an employer and an employee meaning each pays a tax of 7 65 this is made up of the social security tax 6 2 and the medicare tax 1 45 4 | |
does everyone pay a payroll tax | yes for the most part everyone pays a payroll tax which is automatically deducted from one s paycheck the social security and medicare taxes are regressive everyone pays the same amount while income tax is progressive those who make more are taxed at a higher rate if you don t receive a paycheck you must pay estimated ... | |
what is the p e 10 ratio | the p e 10 ratio is a valuation measure generally applied to broad equity indices that use real per share earnings over 10 years the p e 10 ratio also uses smoothed real earnings to eliminate the fluctuations in net income caused by variations in profit margins over a typical business cycle the p e 10 ratio is also kno... | |
how to calculate the p e 10 ratio | the p e 10 ratio is calculated as follows take the annual eps of an equity index such as the s p 500 for the past 10 years adjust these earnings for inflation using the consumer price index cpi that is adjust past earnings to today s dollars take the average of these real eps figures over the 10 years divide the curren... | |
what is a peer group | the term peer group refers to a group of individuals or companies that share similar characteristics with one another these characteristics may be age education ethnic background size industry or sector peer groups are known for their influential nature as they are able to shape the decisions of members of the group as... | |
what is a peer to peer p2p economy | a peer to peer p2p economy is a decentralized model whereby two individuals interact to buy sell goods and services directly with each other or produce goods and service together without an intermediary third party or the use of an incorporated entity or business firm in a peer to peer transaction the buyer and the sel... | |
what is peer to peer p2p lending | peer to peer p2p lending enables individuals to obtain loans directly from other individuals cutting out the financial institution as the middleman websites that facilitate p2p lending have greatly increased their adoption as an alternative method of financing p2p lending is also known as social lending or crowd lendin... | |
is peer to peer lending p2p safe | peer to peer lending is riskier than a savings account or certificate of deposit but the interest rates are often much higher this is because people who invest in a peer to peer lending site assume most of the risk which is normally assumed by banks or other financial institutions | |
how big is the market for peer to peer p2p lending | the global peer to peer lending market was worth 134 35 billion in 2022 according to figures from sns insider 8 this figure is projected to reach 705 81 billion by 2030 9 | |
how do you invest in peer to peer lending | the simplest way to invest in peer to peer lending is to make an account on a p2p lending site and begin lending money to borrowers these sites typically let the lender choose the profile of their borrowers so they can choose between high risk high returns or more modest returns alternatively many p2p lending sites are... | |
what is pegging | the term pegging refers to the practice of attaching or tying a currency s exchange rate to another country s currency pegging often involves preset ratios which is why it s called a fixed rate pegs are often put in place to provide stability to a nation s currency by linking it to an already stable currency the u s do... | |
when a currency peg collapses the country that set the peg too high will suddenly find imports more expensive that means inflation will rise and the nation may also have difficulty paying its debts the other country will find its exporters losing markets and its investors losing money on foreign assets that are no long... | expands trade and boosts real incomeproducers focus on producing rather than hedging exchange riskbetter chance to make long term investmentsthe power to purchase foreign goods dropscan lead to chronic trade deficitshigher priced imports and rising inflation | |
when a country pegs its currency to the dollar it fixes the exchange at a set predetermined rate the value of the currency is maintained by the country s central bank since the dollar s value is on a floating rate it fluctuates this means that the pegged currency s value rises and drops with the dollar | countries that peg their currency to the dollar do so because the u s dollar is the world s reserve currency and is relatively strong in the international market as such transactions and any international trade that takes place often happens in u s dollars this helps keep a country s pegged currency stable some countri... | |
is the yuan pegged to the dollar | the yuan has been pegged to a basket of international currencies which includes the u s dollar since 2005 this allows the country s central bank to maintain full control of the currency by setting a daily rate of parity against the greenback any changes to the rate are restricted meaning they can only fall within 2 of ... | |
which country has no currency of its own | there are a number of different countries that don t have their own currency for instance 19 member states of the european union use the euro as their currency some countries use the u s dollar exclusively for transactions including zimbabwe ecuador el salvador east timor and the turks and caicos islands among others | |
what is a soft peg versus a hard peg | the foreign exchange market often controls the exchange rate for a specific currency in a soft peg in some cases though the government may choose to act to strengthen or weaken the currency when the need arises hard pegs occur when a government sets the exchange rate for its currency | |
what is a pell grant | a pell grant is a form of need based federal aid for students in college or other post secondary education in contrast with student loans pell grants do not have to be repaid except in rare instances | |
how a pell grant works | to be eligible for a pell grant students and their parents must fill out the government s free application for federal student aid fafsa 1the application which can be completed online asks a series of questions about the student s and parents finances in addition to other relevant information such as whether any of the... | |
how do you stay eligible for pell grants | in order to continue receiving pell grants or other federal financial aid students and their parents must fill out a new fafsa every year students must also show that they are making satisfactory academic progress toward their degree or other education goal such as a certificate satisfactory academic progress is define... | |
what happens to unused pell grant money | generally your school will first apply the money from your pell grant and other aid such as loans toward your tuition fees and room and board if there s anything left over in your account after that often referred to as a credit balance the school is required to pay it to you within 14 days unless you ve authorized the... | |
do you have to pay back pell grants | grants like scholarships generally represent money that doesn t have to be repaid however there are circumstances when you might have to repay some or all of your pell grant those include dropping out of the program of study for which you were awarded the grant changing your attendance from full time to part time or re... | |
what is penetration pricing | penetration pricing is a marketing strategy used by businesses to attract customers to a new product or service by offering a lower price during its initial offering the lower price helps a new product or service penetrate the market and attract customers away from competitors market penetration pricing relies on the s... |
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