instruction stringlengths 5 1.05k | output stringlengths 6 22.3k | input stringclasses 1
value |
|---|---|---|
is my debit card s cvv number the same as a pin | no a debit card s cvv number is different from a pin a cvv is used when making payments online or over the phone to verify the physical card s information a pin is more useful to authorize in person transactions to ensure the user using the card is an authorized person that is allowed to spend using the card | |
how do i activate my debit card pin | to activate a debit card pin you often must enter your card at an atm or use it in a transaction you may be prompted to enter the debit card number then you can follow the instructions to set your pin in other cases you may be given a phone number to call to verify and activate your card as part of that phone call you ... | |
what is personal income | personal income refers to all income collectively received by all individuals or households in a country personal income includes compensation from a number of sources including salaries wages and bonuses received from employment or self employment dividends and distributions received from investments rental receipts f... | |
is personal income before or after taxes | personal income represents all payments made to individuals before tax it s not disposable income which reveals how much people actually have left to spend save or invest after income taxes have been deducted | |
how do you calculate personal income and disposable income | to calculate personal income all income collectively received by individuals or households in a country needs to be tallied up that is not only gross pay from work but also dividends rental income interest and so forth disposable income is then calculated by taking the personal income number and subtracting personal in... | |
what is the difference between gross national income gni and personal income | personal income focuses on how much money a country s inhabitants are earning gross national income gni on the other hand reveals the total amount of money earned by a nation s residents and businesses | |
what is personal income | personal income refers to all income collectively received by all individuals or households in a country personal income includes compensation from a number of sources including salaries wages and bonuses received from employment or self employment dividends and distributions received from investments rental receipts f... | |
is personal income before or after taxes | personal income represents all payments made to individuals before tax it s not disposable income which reveals how much people actually have left to spend save or invest after income taxes have been deducted | |
how do you calculate personal income and disposable income | to calculate personal income all income collectively received by individuals or households in a country needs to be tallied up that is not only gross pay from work but also dividends rental income interest and so forth disposable income is then calculated by taking the personal income number and subtracting personal in... | |
what is the difference between gross national income gni and personal income | personal income focuses on how much money a country s inhabitants are earning gross national income gni on the other hand reveals the total amount of money earned by a nation s residents and businesses | |
what is personal property | personal property is a class of property that can include any asset other than real estate the distinguishing factor between personal property and real estate or real property is that personal property is movable meaning it isn t fixed permanently to one particular location typically personal property is not taxed like... | |
what are examples of personal belongings | personal belongings covered by homeowners insurance may include furniture appliances dishes rugs electronics lamps curtains jewelry clothing tools and outdoor equipment | |
what is the difference between personal property insurance and personal liability insurance | personal property insurance compensates you financially for belongings covered by your policy personal liability insurance provides coverage if you are found liable for harm to another person while they are on your property | |
what s the difference between replacement cost and actual cash value | replacement cost value means your homeowner s insurance policy will pay you the amount needed to replace the covered item at its current market value with actual cash value the insurer will pay you the item s depreciated value which is reduced to reflect its age the bottom linepersonal property are movable items that p... | |
what is a personal service corporation | a personal service corporation is a corporation that is created to provide personal services to individuals or groups it is a taxing entity set up under internal revenue service irs regulations such services span a wide variety of professional business endeavors as specified by the irs | |
how a personal service corporation works | the services provided by a personal service corporation may include any activity performed in the following fields accounting engineering architecture consulting actuarial science law performing arts and health including veterinary services financial services activities are not considered qualified services which is wh... | |
what are the benefits of a personal service corporation | the potential benefits to operating as a personal service corporation include tax savings liability protection for employee owners and the ability to take advantage of corporate tax deductions including business expenses employee benefits and capital expenditures | |
what are the drawbacks of a personal service corporation | personal service corporations can be costly and complicated to set up and they are generally less flexible in their structure than other types of corporations failure to comply with irs guidelines and regulations may also increase the risk of an irs audit and can lead to significant tax penalties | |
what s the difference between a personal service corporation and an s corporation | personal service corporations and s corporations differ in many ways including how they are taxed restrictions on the number and type of shareholders allowed liability protection and the nature of services provided the bottom linepersonal service corporations offer a unique corporate structure for professionals in fiel... | |
what is personally identifiable information pii | personally identifiable information pii is information that when used alone or with other relevant data can identify an individual pii may contain direct identifiers e g passport information that can identify a person uniquely or quasi identifiers e g race that can be combined with other quasi identifiers e g date of b... | |
how pii is stolen | many thieves find pii of unsuspecting victims by digging through their trash for unopened mail this can provide them with a person s name and address in some cases it can also reveal information about their employment banking relationships or even their social security numbers nowadays the internet has become a major v... | |
what qualifies as pii | personally identifiable information is defined by the u s government as information which can be used to distinguish or trace an individual s identity such as their name social security number biometric records etc alone or when combined with other personal or identifying information which is linked or linkable to a sp... | |
what is not pii | personal data is not classified as pii and non personal data such as the company you work for shared data or anonymized data | |
what is a pii violation | pii violations are illegal and often involve frauds such as identity theft violations may also stem from unauthorized access use or disclosure of pii failure to report a pii breach can also be a violation | |
what must you do when emailing pii | because email is not always secure try to avoid emailing pii if you must use encryption or secure verification techniques | |
what laws protect pii | various federal and state consumer protection laws protect pii and sanction its unauthorized use for instance the federal trade commission act and the privacy act of 1974 1718the bottom linepersonally identifiable information pii is any type of data that can be used to identify someone from their name and address to th... | |
what is pest analysis | pest analysis political economic social and technological is a management method whereby an organization can assess major external factors that influence its operation in order to become more competitive in the market as described by the acronym those four areas are central to this model a popular variation on the pest... | |
what is pest vs pestle analysis | pest analysis stands for political economic social and technological whereas pestle stands for the same but adds legal and environmental factors to the analysis these areas are considered when assessing the impact of external factors on a company s profitability | |
how do you do a pest analysis | to do a pest analysis you must consider the different factors under each category political economic social and technological and how these factors affect your business for the political component you would assess laws regulations government policies and tariffs for example for the economic component some of the topics... | |
how often should a pest analysis be done | a pest analysis can be done as often as a business would like it is good to perform a pest analysis when there have been significant changes that may impact a business such as a change in interest rates new government policies or the introduction of new technology it should be done often so as not to become outdated th... | |
what is the peter principle | the peter principle theorizes that employees in most organizational hierarchies automatically rise through promotion to higher positions however competent employees will be promoted but will ultimately assume positions for which they are incompetent according to the peter principle competence is rewarded with promotion... | |
when newly promoted managers are not well suited to their roles they may be less able to provide effective management and direction to their employees this can also lead to high rates of error or defects if their new responsibilities are associated with quality control | these problems can trickle down to other employees who will make more mistakes under poor management lower level workers may continue to be promoted resulting in several layers of managers who lack the skills or training for their jobs this can also damage employee morale since remaining employees may resent their poor... | |
how companies avoid the peter principle | tom schuller coined the phrase the paula principle theorizing that women tend to work in positions below their level of competence due to gender discrimination lack of professional networks and balancing work and home responsibilities 3examplein 2018 economists alan benson danielle li and kelly shue analyzed sales work... | |
what is the corollary to the peter principle | peter s corollary is an extension of the peter principle it states that in time every position within an organization will be filled with someone incompetent to fulfill the duties of their role this may result in compounded mismanagement and poor leadership | |
what is the dilbert principle | the peter principle is the inverse of the dilbert principle an idea coined by the cartoonist scott adams for the comic strip dilbert this rule states that companies tend to promote their least competent employees to management roles where they are least likely to interfere with production both rules explain the presenc... | |
what government agency monitors a company s employment practices | the u s equal employment opportunity commission eeoc enforces federal laws that define workplace discrimination hiring firing promotions harassment training wages and benefits 5the bottom linethe peter principle is a theory that explains why many companies have seemingly ineffective management staff it states that rath... | |
petrodollars are crude oil export revenues denominated in u s dollars usd the term became widely used in the mid 1970s when soaring oil prices generated large trade and account surpluses for oil exporting countries | then as now oil sales and the resulting current account surpluses were denominated in dollars because the u s dollar was and remains by far the most widely used currency 1 the u s dollar s global popularity doesn t depend on the goodwill of oil exporters it s based on the u s s status as the world s largest economy and... | |
is the petrodollar a currency | no petrodollars are simply u s dollars received in exchange for oil exports there isn t an official petrodollar system the reinvestment of oil export proceeds has sometimes been called petrodollar recycling | |
does the u s dollar s global role depend on its use to settle oil sales | no the u s dollar is used to settle oil sales because of its wide global acceptance that acceptance makes it easier for oil exporters to invest the export proceeds | |
is the petroyuan in sight | not as dominant rival to the petrodollar oil exporters are free to accept payment in a currency of their choosing accepting chinese currency would be most useful for investment in and purchases from china chinese capital markets are much smaller and less liquid than those in the u s and chinese currency is not widely a... | |
are petrodollars fueling war and oppression | saudi human rights violations and russia s invasion of ukraine have led to suggestions that those countries rulers have been emboldened by their oil wealth like any other resource petrodollars can be deployed for good or ill but they also show the limits of trying to get around the power of the u s dollar did saudi ara... | |
what is petroleum | petroleum also called crude oil is a naturally occurring liquid found beneath the earth s surface that can be refined into fuel a fossil fuel petroleum is created by the decomposition of organic matter over time and used as fuel to power vehicles heating units and machines and can be converted into plastics because the... | |
how is petroleum formed | petroleum is a fossil fuel that was formed over millions of years through the transformation of dead organisms such as algae plants and bacteria that experienced high heat and pressure when trapped inside rock formations | |
is petroleum renewable | petroleum is not a renewable energy source it is a fossil fuel with a finite amount of petroleum available | |
what are alternatives to petroleum | alternatives include wind solar and biofuels wind power uses wind turbines to harness the power of the wind to create energy solar power uses the sun as an energy source and biofuels use vegetable oils and animal fat as a power source | |
what are classifications of petroleum | unrefined petroleum classes include asphalt bitumen crude oil and natural gas the bottom linepetroleum is a fossil fuel that is used widely in the daily lives of global consumers in its refined state petroleum is used to create gasoline kerosene plastics and other byproducts petroleum is a finite material and non renew... | |
what is petty cash | a petty cash fund is a small amount of company cash often kept on hand e g in a locked drawer or box to pay for minor or incidental expenses such as office supplies or employee reimbursements a petty cash fund will undergo periodic reconciliations with transactions also recorded on the financial statements in larger co... | |
when a petty cash fund is in use petty cash transactions are still recorded on financial statements no accounting journal entries are made when purchases are made using petty cash it s only when the custodian needs more cash and in exchange for the receipts receives new funds that the journal entries are recorded the j... | if there s a shortage or overage a journal line entry is recorded to an over short account if the petty cash fund is over a credit is entered to represent a gain if the petty cash fund is short a debit is entered to represent a loss the over or short account is used to force balance the fund upon reconciliation the int... | |
a phantom stock or shadow stock plan is an employee benefit program that gives certain employees typically senior managers many of the benefits of stock ownership without actually handing over company stock 1 | rather than getting physical stock the employee receives mock stock even though it s not real the phantom stock tracks the price moves of the company s actual stock paying out any resulting profits phantom stock plans are an alternative to the equity based incentive plans typically offered by public companies particula... | |
when was phantom stock first introduced | phantom stock plans were introduced in the 1950s as a way for companies to provide key employees with long term incentives tied to the company s success without granting them actual stock ownership the concept gained popularity in the 1980s as an alternative to traditional stock option plans 2 | |
is phantom stock legal | yes phantom stock plans are legal and are commonly used by companies as a form of employee compensation however the specific terms and conditions of the plan must follow applicable laws and regulations such as those related to taxation and securities 3 | |
what are the tax implications of receiving phantom stock | phantom stock payouts are generally taxed as ordinary income for the employee when received the company can typically deduct the payouts as a compensation expense however the specific tax implications depend on the structure of the plan and the jurisdiction it s essential for both the company and the employees to consu... | |
what is philanthropy | philanthropy involves charitable giving to worthy causes on a large scale but it is much more than just a charitable donation philanthropy is an effort an individual or organization undertakes based on an altruistic desire to improve human welfare and wealthy individuals sometimes establish private foundations to facil... | |
what is the difference between charity and philanthropy | while some use the words charity and philanthropy interchangeably philanthropy often casts a broader net of giving its role is to help society or groups in the community flourish over a long term period charity is usually based on individual giving and helping in a short term way like donating coats to the homeless in ... | |
which philanthropist has donated the most money | according to an annual report in forbes magazine warren buffet has donated the most money 46 1 billion over his 91 years as of january 2022 17 | |
how can i become a philanthropist | anyone can become a philanthropist even if they are not wealthy individuals you can donate your time efforts and cash to a specific cause and over time you may become known as a philanthropist | |
what is corporate philanthropy | corporate philanthropy is the act of giving to charitable causes and or organizations by corporations the most common way of giving through a corporation is by donating money but there are other ways to do so some of them include volunteering like when employees donate their time to charities scholarships community inv... | |
what are the different types of philanthropy | philanthropy can take on many different forms it can be done by individuals and corporations there can be a combination of both where a company does matching donations whenever someone makes a donation or it can be done by bequest which means instructions are left to give money and other assets to charity in a trust or... | |
what is the phillips curve | the phillips curve is an economic theory that inflation and unemployment have a stable and inverse relationship developed by william phillips it claims that with economic growth comes inflation which in turn should lead to more jobs and less unemployment the original concept of the phillips curve has been somewhat disp... | |
when the central bank increases inflation in order to push unemployment lower it may cause an initial shift along the short run phillips curve but as worker and consumer expectations about inflation adapt to the new environment in the long run the phillips curve itself can shift outward | this is especially thought to be the case around the natural rate of unemployment or nairu non accelerating inflation rate of unemployment which essentially represents the normal rate of frictional and institutional unemployment in the economy so in the long run if expectations can adapt to changes in inflation rates t... | |
why would an economist still believe in the phillips curve | while the phillips curve isn t without its limitations some economists still find it useful to consider 7 policymakers may use it as a general framework to think about the relationship between inflation and unemployment both key measures of economic performance others caution that it does not capture the complexity of ... | |
why does ongoing debate about the relevance of the phillips curve matter | disagreements over the dependability of the phillips curve can result in different economic policies for instance a policymaker who believes that lower unemployment is linked to higher inflation may seek to implement measures to keep inflation down such as raising interest rates 8 another policymaker might not agree wi... | |
why has the phillips curve flattened | there have been periods when unemployment rates have declined even as inflation remained low suggesting a flattening of the phillips curve in part this can be attributed to concerted efforts by the federal reserve to keep inflation low and stable which may have weakened the relationship between inflation and labor mark... | |
what is physical capital | physical capital is one of what economists call the three main factors of production it consists of tangible human made goods that assist in the process of creating a product or service the machinery buildings office or warehouse supplies vehicles and computers that a company owns are all considered part of its physica... | |
what is a pigovian tax | a pigovian also spelled pigouvian tax is a tax assessed against businesses and private individuals that engage in activities that create adverse side effects for society those can include environmental pollution strains on public healthcare systems from the sale of tobacco products or any other side effects that have a... | |
what is a negative externality | in economics a negative externality is a byproduct produced by some individual business or industry that has a negative impact on society but where the entity that created this byproduct does not pay for it instead society pays the price examples include air and noise pollution toxic runoff and the inadvertent killing ... | |
what is the difference between a pigovian tax and a sin tax | pigovian taxes and sin taxes are quite similar and a specific levy may satisfy both definitions the key difference is that a pigovian tax seeks primarily to minimize negative externalities i e harms to others or society as a whole while sin taxes typically seek to reduce negative internalities i e harms to oneself in t... | |
how do you calculate a pigovian tax | calculating a pigovian tax is notoriously difficult to get right in theory the amount of the tax should be exactly equal to the net cost of the externality it seeks to remedy thus the tax represents the difference between the social cost and the marginal private cost at a given level of production 3the bottom linewhile... | |
what does piigs mean | piigs is a derisive acronym for portugal italy ireland greece and spain which were the weakest economies in the eurozone during the european debt crisis at the time the acronym s five countries garnered attention due to their weakened economic output and financial instability which heightened doubts about the nations a... | |
what does piigs stand for | the derisive acronym piigs stands for five countries at the periphery of the eurozone economy portugal ireland italy greece and spain | |
how did the eurozone get the piigs countries out of debt | during the european sovereign debt crisis the european union provided two bailouts to prevent the greek economy from defaulting while greece accepted the first bailout greek voters ultimately rejected the second bailout due to required austerity measures the european central bank also issued a 750 million euro rescue p... | |
which eu countries supported the piigs bailout | the leaders of france and germany as the core industrial economies of the european union played a key role in providing debt relief for the peripheral economies and restoring the confidence of the international credit markets in addition the european central bank also provided important rescue packages the bottom linep... | |
what is pimco pacific investment management co | pimco or the pacific investment management company is an american investment management firm founded in 1971 in california the firm focuses on fixed income and manages more than 2 2 trillion in assets the firm primarily handles portfolio management account management and business management 1pimco specializes in fixed ... | |
pink sheets is an outdated term used to describe stocks that trade over the counter otc rather than on a major u s stock exchange these companies cannot or do not want to meet the requirements for listing on a major u s stock exchange like the new york stock exchange nyse they could be too small foreign or choose not ... | the term pink sheet arose as price quotes for these unlisted stocks used to appear on pink colored sheets of paper these securities the majority of which are viewed as highly speculative are now subject to more regulation they also go by a different name the pink sheets were officially renamed pink otc markets in 2008 ... | |
what is otc link | otc link llc is owned by otc markets group inc which operates otc link ats an alternative trading system ats and electronic inter dealer quotation system that displays quotes from broker dealers for many over the counter otc securities broker dealers who buy and sell otc securities can use otc link ats to publish their... | |
where can i find information on otc bitcoin investing | the sec provides information on otc offerings and states that digital assets and technology bring increased risk of fraud and manipulation because the markets for these assets are less regulated than traditional capital markets | |
what was one of the most successful penny stock offerings | true religion jeans traded under a dollar per share in the early to mid 2000s and in 2013 the company was acquired by towerbrook capital partners for 32 per share netting investors a 5 000 increase 12the bottom linefor many years people used the term pink market to refer to any over the counter otc security meaning any... | |
what is the piotroski score | the piotroski score is a discrete score between zero and nine that reflects nine criteria used to determine the strength of a firm s financial position the piotroski score is used to determine the best value stocks with nine being the best and zero being the worst the piotroski score was named after the chicago account... | |
is the piotroski score reliable | the piotroski score is generally considered to be viable in the world of financial analysis and investment it analyzes a company s overall financial health by looking at a multitude of factors it is simple efficient and effective in determining value stocks | |
what does a high piotroski score mean | high piotroski scores are considered to be a good investment those that have good value these usually fall in the range of 8 to 9 low piotroski scores are considered poor investments and have a range between 0 to 2 | |
what is the difference between the altman z score and the piotroski score | the piotroski score assesses financial strength while the altman z score assesses the likelihood of bankruptcy both determine their outcomes by assessing the financial information of a company the bottom linethe piotroski score helps determine good value stocks by assessing the overall financial strength of a company i... | |
what is a pip | a pip is the smallest whole unit price move that an exchange rate can make based on forex market convention a pip is one hundredth of 1 1 100 x 01 and appears in the fourth decimal place 0 0001 most currency pairs are priced out to four decimal places and a single pip is in the fourth decimal place i e 1 10 000th for e... | |
what s a pip | a pip is the smallest whole unit measurement of the difference between the bid and ask spread in a foreign exchange quote a pip equals 1 100 of 1 or 0001 thus the forex quote extends out to four decimal places smaller price increments are measured by fractional pips or pipettes | |
what is the difference between a pip and a pippette | in the context of the foreign exchange market a pip is a standard unit of measure for changes in an exchange rate representing a move of 0 0001 1 10 000 this is the smallest price change increment for most currency pairs a pipette equals 1 10 of a pip and represents a fraction of 1 100 000 a pip therefore relates to mo... | |
how are pips used | they are a part of a currency pair s exchange rate market quote pips represent the change in the quote and value of a position in the market you may have taken say hypothetically you bought a currency pair for 1 1356 and sold it for 1 1360 you made four pips on your trade you d have to then calculate the value of a sin... | |
does the japanese yen forex rate use pips | yes it does however the yen is an exception a quote for the yen normally extends two decimal places past the decimal point so a single whole unit pip is 01 rather than the 0001 used in other currency pairs | |
what is the spread in a forex | the forex spread is the bid price subtracted from the ask price of a currency pair for example if eur usd has an ask price of 1 1053 and a bid price of 1 1051 then the spread is 0 0002 or 2 pips to calculate the cost of the forex spread you need to multiply the spread by the trade size or volume for example if you trad... | |
what is a pitchbook | a pitchbook is a sales document created by an investment bank or firm that details the main attributes of the firm which is then used by the firm s sales force to help sell products and services and generate new clients pitchbooks are helpful guides for the sales force to remember important benefits and to provide visu... | |
how a pitchbook works | there are two main types of pitchbooks there is the main pitchbook which contains all the main attributes of the firm and one that contains details about a specific deal such as a company s initial public offering ipo or investment product the main pitchbook provides a general overview of the firm for an investment ban... | |
what is a pivot point | a pivot point is a price level calculated from previous prices it s used to indicate potential areas of support or resistance that offer attractive reward to risk setups for trades the pivot point itself is simply the average of the intraday high and low and the closing price from the previous trading day trading above... | |
what is plain vanilla in finance | plain vanilla is the most basic or standard version of a financial instrument usually options bonds futures and swaps it is the opposite of an exotic instrument which alters the components of a traditional financial instrument resulting in a more complex security understanding plain vanillaplain vanilla describes the s... | |
what is a plain vanilla interest rate swap | a plain vanilla interest rate swap is where one party pays a fixed interest rate and the other party pays a floating rate both rates are based on the same notional amount and there is no exchange of principal | |
what are plain vanilla foreign exchange options | plain vanilla foreign exchange options give the holder the right to buy or sell one currency for another currency the option details the specific amount to be exchanged the exchange rate is also agreed upon when the option is bought the goal of plain vanilla foreign exchange options is to protect against adverse moveme... | |
what is a plain vanilla strategy | a plain vanilla strategy is an investment strategy that is straightforward without any complex additions a plain vanilla strategy might be holding a bond till maturity or purchasing a stock with a long term view it may also include passive investing the bottom lineplain vanilla refers to the most simple standard and ba... | |
what is planned obsolescence | planned obsolescence describes a strategy of deliberately ensuring that the current version of a given product will become out of date or useless within a known time period this proactive move guarantees that consumers will seek replacements in the future thus bolstering demand obsolescence can be achieved through intr... | |
what is platinum | platinum is a chemical element precious metal and commodity that manufacturers use primarily for jewelry electronics and automobiles it appears on the periodic table of elements by the symbol pt and atomic number 78 1 platinum futures are commodities contracts traded on the cme s comex futures exchange under symbol pl ... | |
what does platykurtic mean | the term platykurtic refers to a statistical distribution in which the excess kurtosis value is negative for this reason a platykurtic distribution will have thinner tails than a normal distribution will resulting in fewer extreme positive or negative events the opposite of a platykurtic distribution is a leptokurtic d... | |
what is a pledged asset | a pledged asset is an asset that is used by a lender to secure a debt or loan and can include cash stocks bonds and other equity or securities a pledged asset is collateral held by a lender in return for lending funds pledged assets can reduce the down payment that is typically required for a loan as well as reduces th... | |
how pledged assets work | the borrower will transfer the title of a pledged asset to the lender but the borrower will still maintain ownership and use of the valuable possession should the borrower default the lender has legal recourse to take ownership of the asset pledged the borrower retains all dividends or other earnings from the asset dur... | |
what are the disadvantages of pledged asset mortgage | the main downside with a pledged asset mortgage is that you risk losing your asset as well as your home to the lender if you cannot make the mortgage payments according to your loan terms the bottom linepledged collateral can provide a number of benefits but there are risks to consider as well if you are considering us... |
Subsets and Splits
No community queries yet
The top public SQL queries from the community will appear here once available.