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When it comes to choosing investments for your 401(k), the number of options available can be overwhelming. There are, however, a number of relatively simple investment strategies you can use to get the most out of your 401(k). One strategy is to invest in a target date fundwhich will automatically optimize your wallet for retirement on a certain date. Another …

What is a Beneficial Owner A beneficial owner is a person or entity that receives the benefit of ownership. As the true owner, the asset is under the name of the person or entity, and they are entitled to any benefit from it. The true owner can sometimes be difficult to determine if there are more than one person or …

What is the Government Accounting Standards Board (GASB)? The Government Accounting Standards Board (GASB) is a private organization non-governmental organization that creates accounting reporting standards, or generally accepted accounting principles (GAAP)for state and local governments in the United States. Key points to remember: The Government Accounting Standards Board (GASB) is a private, nongovernmental organization that creates accounting reporting standards for …

Daily office wear jewelry for women are mostly lightweight and easy to wear. Generally, jewelry are delicate and suitable for work. One piece of jewelry for office that is easy to carry and looks lovely is a bracelet or a bangle. Even if you are going for 9 to 5 job or in a corporate, you can make sure that …

Charcoal mask is surely the latest trend popular in the beauty world. Not just women but men are also apparently impressed with charcoal face masks and packs, considering its immense benefits for all skin types. And when it comes to oily skin, it’s just amazing in getting rid of blackheads and breakouts on the face. Other than regulating the oil …

What is Spot Delivery Month? In the commodity futures markets, the spot delivery month is the earliest possible month in which the commodity underlying the futures contract will be deliverable. It is also known as month near or month ahead. The opposite of the spot delivery month is the month backwhich refers to the last month in which the goods …

What is a block grant? A block grant is an annual sum of money given by the federal government to a state or local government organization to help fund a specific project or program. These became official in the United States from 1966. This form of federal assistance is often associated with support for social welfare projects, such as Medicaid, …

What is the actuarial valuation? An actuarial valuation is a type of Evaluation of a pension fund’s assets to liabilities, using investment, economic and demographic aspects of the model to determine the level of funding of a pension plan. The assumptions are based on a mixture of statistical studies and experienced judgement. Since assumptions are often derived from long-term data, …

What is asymmetric information? Asymmetric information, also known as “information failure”, occurs when one party to an economic transaction has greater material knowledge than the other party. This usually manifests itself when the seller of a good or service possesses greater knowledge than the buyer; however, the opposite dynamic is also possible. Almost all economic transactions involve information asymmetries. Key …