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How do individuals establish and document an ownership interest in real property? Interests in real property are subject to an instrument of title. A deed is the primary manner of establishing ownership and transferring an interest in land. The deed contains a precise legal description of the land and specifies the exact location and boundaries acco...
2 min reading timeWhat is the Emergency Banking Act of 1933? Emergency Banking Act of 1933 was put into law during the reign of President Franklin D. Roosevelt of USA following poor financial situation during the great depression. A four day mandatory close of US banks was passed to enable their inspections before they could resume duty. The close was to facilitate t...
2 min reading timeWhat is Two-Way ANOVA? A two-way ANOVA is a one-way ANOVAs extension, a statistical test used to examine the effect of two different variables on one continuous dependent variable. Besides assessing the main effect of each independent variable, ANOVA also assesses to find out if, between the two variables, there is any kind of interaction. A two-way...
2 min reading timeWhat is Regulation U? Regulation U was promulgated by the Board of Governors of the Federal Reserve System for preventing the excessive use of credit for the purchase or carrying of securities. The regulation was adopted in the response of the stock market crash in 1929. After the crash, the Federal Reserve System was authorized under Section 7 of t...
1 min reading timeWhat is the Currency Adjustment Factor (CAF)? The currency adjustment factor (CAF) refers to a surcharge that is placed on freight charges and transactions between the United States and the Pacific Rim. The surcharge is an additional fee placed on freight costs was developed to give account for vulnerability in the currency exchange rate between the...
0 min reading timeWhat is the Equilibrium Point for Aggregate Supply and Demand? The intersection of the aggregate supply and aggregate demand curves shows the equilibrium level of real GDP and the equilibrium price level in the economy. At a relatively low price level for output, firms have little incentive to produce, although consumers would be willing to purchas...
0 min reading timeWhat is a Conversion Option in a Mortgage? Conversion option refers to a clause that has to do with adjustable-rate mortgages (ARM) that enable an individual to change the adjustable-rate mortgage to fixed rates at a certain future date. Mortgage loans that have conversion options come at a cost, as its rates are typically higher than those without ...
2 min reading timeWhat are Non-governmental Organizations (NGO)? Non-governmental Organizations, commonly known as NGOs, are non-profit groups formed by citizens to support social or political causes. They may be organized locally, nationally or internationally. The non-governmental organizations work independently of the government although they often receive funds ...
1 min reading timeWhat are Process-Based Theories of Motivation? Process-based theories use the mental processes of employees as the key to understanding employee motivation. Unlike needs-based theory, it sees motivation as a rational process. Process Theories of Motivation The most common process-based theories are as follows: Goal-Setting Theory - Goal-Setting theo...
0 min reading timeWhat is Attribution Analysis? Attribution analysis is a method of analyzing the performance of an investment portfolio or a fund manager. This method of analysis evaluates why a portfolio performs differently from the market benchmark. This form of analysis is also a performance attribution that seeks to evaluate how the decisions of a fund manager ...
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