A habendum clause is a clause in a deed or lease that defines the type of interest and rights to be enjoyed by the grantee or lessee.
In Internet activism, hacktivism or hactivism is the subversive use of computers and computer networks to promote a political agenda or a social change. With roots in hacker culture and hacker ethics, its ends are often related to the free speech, human rights, or freedom of information movements.
"Halloween Massacre" is the term associated with the major reorganization of United States president Gerald Ford's cabinet on November 4, 1975, which was an attempt to address multiple high-level personality and policy clashes within the administration. The overhaul came at a time when the president's leadership abilities were being broadly questioned, and he was being heavily criticized by California governor Ronald Reagan and others from the conservative wing of the Republican Party The shake-up had its roots at the beginning of Ford's presidency in August 1974. As was the case when Lyndon Johnson and Harry S. Truman succeeded to the presidency intra-term, in 1963 and in 1945 respectively, under similarly strained sets of circumstances, Ford inherited President Richard Nixon's cabinet and staff of presidential advisers. Over the course of several months, Ford slowly replaced several Nixon holdovers with his own appointees.
In corporate finance, Hamada's equation, named after Robert Hamada, is used to separate the financial risk of a levered firm from its business risk. The equation combines the Modigliani-Miller theorem with the capital asset pricing model. It is used to help determine the levered beta and, through this, the optimal capital structure of firms.
A hammer is a tool or device that delivers a blow to an object. Most hammers are hand tools used to drive nails, fit parts, forge metal, and break apart objects. Hammers vary in shape, size, and structure depending on their purposes. Hammers are basic tools in many trades. The usual features are a head and a handle. Although most hammers are hand tools, powered versions exist; they are known as powered hammers. Types of power hammer include steam hammers and trip hammers, often for heavier uses, such as forging. Some specialized hammers have other names, such as sledgehammer, mallet, and gavel. The term "hammer" also applies to devices that deliver blows, such as the hammer of a firearm, or the hammer of a piano, or the hammer ice scraper.
The Hanged Man is the twelfth trump or Major Arcana card in most traditional Tarot decks. It is used in game playing as well as in divination.
The economics of happiness or happiness economics is the quantitative and theoretical study of happiness, positive and negative affect, well-being, quality of life, life satisfaction and related concepts, typically combining economics with other fields such as psychology, health and sociology. It typically treats such happiness-related measures, rather than wealth, income or profit, as something to be maximized. The field has grown substantially since the late 20th century, for example by the development of methods, surveys and indices to measure happiness and related concepts. Its findings have been described as a challenge to the economics profession.
In finance, a "hard asset" may be real estate, commodities, or energy. For example, gold and silver are regarded as "hard" assets. Other types of raw materials, such as oil, copper, and aluminium. are also considered "hard" assets.
Hard currency, safe-haven currency or strong currency is any globally traded currency that serves as a reliable and stable store of value. Factors contributing to a currency's hard status might include the long-term stability of its purchasing power, the associated country's political and fiscal condition and outlook, and the policy posture of the issuing central bank.
Hard Money Loan
A hard money loan is a specific type of asset-based loan financing through which a borrower receives funds secured by real property. Hard money loans are typically issued by private investors or companies. Interest rates are typically higher than conventional commercial or residential property loans, starting at 7.7%, because of the higher risk and shorter duration of the loan.
In advertising, a hard sell is an advertisement or campaign that uses a more direct, forceful, and overt sales message. This approach is the diametric counterpart of a soft sell.
In mathematics, the harmonic mean is one of several kinds of average, and in particular one of the Pythagorean means. Typically, it is appropriate for situations when the average of rates is desired.
Harry Max Markowitz is an American economist, and a recipient of the 1989 John von Neumann Theory Prize and the 1990 Nobel Memorial Prize in Economic Sciences.
Harvard Business School
Harvard Business School is the graduate business school of Harvard University in Boston, Massachusetts. The school offers a large full-time MBA program, doctoral programs, HBX and many executive education programs. It owns Harvard Business Publishing, which publishes business books, leadership articles, online management tools for corporate learning, case studies and the monthly Harvard Business Review. It is home to the Baker Library/Bloomberg Center.
Hawala or hewala, also known as hundi or—in Somali, xawala or xawilaad—is a popular and informal value transfer system based not on the movement of cash, or on telegraph or computer network wire transfers between banks, but instead on the performance and honour of a huge network of money brokers. While hawaladars are spread throughout the world, they are primarily located in the Middle East, North Africa, the Horn of Africa, and the Indian subcontinent, operating outside of, or parallel to, traditional banking, financial channels, and remittance systems. Hawala follows Islamic traditions but its use is not limited to Muslims.
Home insurance, also commonly called homeowner's insurance, is a type of property insurance that covers a private residence. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of use, or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory.
Head Of Household
Head of Household is a filing status for individual United States taxpayers.
Headline inflation is a measure of the total inflation within an economy, including commodities such as food and energy prices, which tend to be much more volatile and prone to inflationary spikes. On the other hand, "core inflation" is calculated from a price index minus the volatile food and energy components. Headline inflation may not present an accurate picture of an economy's inflationary trend since sector-specific inflationary spikes are unlikely to persist.
Health insurance is insurance that covers the whole or a part of the risk of a person incurring medical expenses, spreading the risk over a large number of persons. By estimating the overall risk of health care and health system expenses over the risk pool, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to provide the money to pay for the health care benefits specified in the insurance agreement. The benefit is administered by a central organization such as a government agency, private business, or not-for-profit entity. According to the Health Insurance Association of America, health insurance is defined as "coverage that provides for the payments of benefits as a result of sickness or injury. It includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment".
Health Maintenance Organization (HMO)
In the United States, a health maintenance organization is a medical insurance group that provides health services for a fixed annual fee. It is an organization that provides or arranges managed care for health insurance, self-funded health care benefit plans, individuals, and other entities, acting as a liaison with health care providers on a prepaid basis. The Health Maintenance Organization Act of 1973 required employers with 25 or more employees to offer federally certified HMO options if the employer offers traditional healthcare options. Unlike traditional indemnity insurance, an HMO covers care rendered by those doctors and other professionals who have agreed by contract to treat patients in accordance with the HMO's guidelines and restrictions in exchange for a steady stream of customers. HMOs cover emergency care regardless of the health care provider's contracted status.
A heat map is a graphical representation of data where the individual values contained in a matrix are represented as colors. "Heat map" is a newer term but shading matrices have existed for over a century.
Heavy industry is industry that involves one or more characteristics such as large and heavy products; large and heavy equipment and facilities; or complex or numerous processes. Because of those factors, heavy industry involves higher capital intensity than light industry does, and it is also often more heavily cyclical in investment and employment.
Hedge accounting is an accountancy practice.
Hedge Fund (Under Review)
Home Equity Loan
A home equity loan is a type of loan in which the borrower uses the equity of his or her home as collateral. The loan amount is determined by the value of the property, and the value of the property is determined by an appraiser from the lending institution. Home equity loans are often used to finance major expenses such as home repairs, medical bills, or college education. A home equity loan creates a lien against the borrower's house and reduces actual home equity.
In economics, hyperinflation is very high and typically accelerating inflation. It quickly erodes the real value of the currency, as the prices of most or all goods increase. This causes people to minimize their holdings in that currency as they usually switch to more stable foreign currencies. Prices typically remain stable in terms of other currencies.