Same-Day Funds

DEFINITION of ‘Same-Day Funds’ The term “same-day funds” refers to money that can be transferred or withdrawn the same day that it is deposited. Same-day funds are subject to the net settlement of accounts between the banks that present and remit the funds. Most customer deposits are not same-day funds and are usually not available … Read more

Uniform Bank Performance Report – UBPR

DEFINITION of ‘Uniform Bank Performance Report – UBPR’ The Uniform Bank Performance Report (UBPR) is an analytical tool created by the Federal Financial Institutions Examinations Council (FFIEC) to help supervise and examine financial institutions. The UBPR serves as an analysis of the impact that management and economic conditions can have on a bank’s balance sheet. … Read more

Barriers To Entry

Loading the player… What is ‘Barriers To Entry’ Barriers to entry is the economic term describing the existence of high startup costs or other obstacles that prevent new competitors from easily entering an industry or area of business. Barriers to entry benefit existing firms because they protect their revenues and profits. Common barriers to entry … Read more

5 Stock Sectors Poised To Outperform: Goldman

Some investment strategists are recommending a portfolio rotation towards defensive stocks, given their expectation that both the U.S. economy and the stock market are nearing tops. Goldman Sachs has a different view and favors what it calls high beta cyclical stocks. This group “should continue to outperform defensives in this above-trend economic growth environment,” they write in a … Read more

Charitable Contributions Deduction

DEFINITION of ‘Charitable Contributions Deduction’ One of the itemized deductions available for taxpayers who donate to charity. The Charitable Contributions Deduction allows taxpayers to deduct all of their contributions to qualifying charitable contributions of cash and property within certain limitations. These deductions must be listed on Schedule A of the 1040. BREAKING DOWN ‘Charitable Contributions … Read more