The U.S. Agency for International Development (USAID) is a federal agency that works to encourage foreign markets for American goods.

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The U.S. Bureau of Engraving and Printing creates and produces U.S. paper currency. It does not produce coins -- that's the job of the United States Mint.

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The United States Department of the Treasury protects and manages many American economic and financial systems. The Secretary of the Treasury is the Chief Financial Officer of the U.S. government and

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The U.S. League of Savings Institutions was a national organization of savings banks.

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A UCC-1 statement is a written list and description of assets that serve as collateral for a loan.  

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An ultimate mortality table lists the probabilities of death for people of different ages and gender.

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Umberto Agnelli was a well-known chairman of Italian automaker Fiat -- the famous maker of the Fiat and the Ferrari.

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An umbrella insurance policy is an insurance policy that covers claims beyond what traditional property and/or liability insurance covers.

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Unannualized refers to a rate of return or other measure for a period that is not one year.

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Unappropriated retained earnings are profits that are not set aside for a specific purpose.

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An unaudited opinion is a written statement describing an auditor’s expectations about the outcome of its audit before the audit occurs

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A person is unbanked when he or she does not participate in the banking system and relies on the use of cash rather than checks or credit cards.

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Uncle Sam is a fictional character who represents the United States government. His predecessor was a character named Brother Jonathan.

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Uncollected funds refer to the balance of uncleared checks in a bank account.

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An uncommitted facility is a borrowing agreement that allows the lender to determine how much it will lend to the borrower at a given time.

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Unconditional probability refers to the chance that a particular event will occur without regard to external circumstances.

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Also known as “being naked,” an uncovered option is the sale of an option involving securities the seller does not own. It is the opposite of a covered option.

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A person is underbanked when he or she does not participate in the banking system very much and instead relies on the use of cash rather than checks or credit cards. In the securities world, unde

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Undercapitalization occurs when a company does not have enough cash to conduct its operations.

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Underemployment occurs when one does not have a job that is full-time or that reflects his or her training and financial needs. It is not the same as unemployment, which is the percentage of employabl

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Underinsured motorist coverage protects drivers from other drivers who do not carry any or enough auto insurance.

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An underlying asset is a security on which a derivative is based.

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An underlying security is a security on which a derivative is based.

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The term underperform refers to an analyst recommendation that a stock is expected to do slightly worse than the overall market return.

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Underpricing occurs in the finance world when a company prices its shares too low in an initial public offering.

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In the securities industry, undersubscribed means that an offering does not have enough buyers.

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Undervalued describes a security for which the market price is considered too low for its fundamentals. Some metrics used to evaluate whether a security is undervalued are P/E ratio, growth potential,

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In the real estate world, underwater means that a property is worth less than what is owed on it.

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An underwater mortgage is a mortgage on a property that is worth less than what is owed on it.

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In the securities industry an underwriter is a company, usually an investment bank, that helps companies introduce their new securities to the market.   In the insurance business, an underwrite

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Underwriting is the process that a lender or other financial service uses to assess the creditworthiness or risk of a potential customer.   Underwriting also refers to an investment banker's p

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In the securities industry, underwriting fees are the fees earned by an investment bank to help bring a company public or to conduct some other offering. In the mortgage business, an underwriting fee

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Undue influence occurs when one party to a transaction is able to influence the decisions of another party to the transaction.

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Unearned income is an IRS term for income that is not obtained by participating in a business or trade (e.g., salaries and bonuses, wages, commissions and tips). It typically includes interest, divide

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Unemployment occurs when one does not have a job. In the financial world, the term is often short for unemployment rate, which is the percentage of employable people in a country’s workforce who

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The unemployment rate measures the percentage of employable people in a country's workforce who are over the age of 16 and who have either lost their jobs or have unsuccessfully sought jobs in the las

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An encumbrance is a limitation on the ownership of a property. When an asset is unencumbered, there are no limitations on its ownership.

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The Uniform Gifts to Minors Act (UGMA) is a set of rules under which adults can give money to a minor via a custodial account in the minor's name. In some states, the UGMA has been superseded by t

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An uninsured certificate of deposit (CD) is a certificate of deposit that is not covered by depositor’s insurance. Certificates of deposit (CD) are insured up to the maximum allowable amounts by

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Unit cost is a measure of a company's cost to build or create one unit of product.

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A unit investment trust is a type of investment fund comprising a fixed portfolio of securities that is sold in units to potential investors similar to a mutual fund.

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A unitholder is an investor who owns the securities of a trust, like a real estate investment trust (REIT) or a master limited partnership (MLP). The securities issued by trusts and MLPs are called un

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Universal banking refers to the practice of offering clients retail banking as well as investment services.

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Universal life insurance is a type of life insurance policy that allows the policyholder to alter the policy in response to life changes, by merging the benefits of term life insurance with those of a

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An unqualified opinion is a written notice from an auditor stating that a company has complied with generally accepted accounting principles (GAAP).

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Unrealized gain is increases in the value of an asset that has not been sold. This concept is often called paper profit.

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An unrealized loss is a paper loss from holding an asset that has lost value but has not yet been sold.

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Unrelated business taxable income (UBTI) is the tax placed on the income derived from unrelated business activities of an otherwise tax-exempt entity.

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In the finance world, a lender or piece of debt is unsecured if it does not have collateral.

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An unsecured creditor is a lender or any entity to which a company or individual owes money for services provided. That creditor, however, does not have any collateral from the borrower.

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Unsecured debt is debt that does not have any collateral attached.

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An unsecured loan is debt that does not have any collateral attached.

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In the finance world, an unsecured note is corporate debt that does not have any collateral attached. Unsecured notes are not the same as debentures, which are also unsecured corporate debt (but deben

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An Unsponsored American Depository Receipt (ADR), though backed by the common stock of an offshore company, is not directly sanctioned by that company and renders the holder un-entitled to the shareho

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Unsubordinated debt refers to loans and debt securities (e.g., bonds, CDs, collateralized securities, etc.) for which the repayment priority outranks other debts owed by the same individual entity (ca

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The term unsubscribed describes the portion of the shares in an IPO that are not sold prior to the IPO.

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An unweighted index has components that are not adjusted to reflect importance or certain characteristics.

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Upside refers to an investment's potential gains in value.

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Upthrusts are false breakouts that can trap the unsuspecting trader. Upthrust patterns quickly reverse, with the stock or index then often testing the opposite end of the trading range.

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Uptick refers to the increase in the market price of a security over the preceding transaction.

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Known as Rule 10(a)(1) of the Securities Exchange Act of 1934, the uptick rule allows investors to short a security only at a price higher than the security's last trade.

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Uptick volume is the number of shares of a particular stock that trades when the price is increasing.

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A useful life is the number of years in which an asset can reliably produce benefits.

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Usury is lending money at an interest rate thought to be irrationally high or higher than permitted by law.  Usury is another word for predatory lending, which is the act of imposing unfair an

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The utilization ratio compares an individual's total debt balances to total available credit. It helps determine part of a person's credit score.

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