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Q: do you know what "co-pay" is?

Category: glossary , Asked by: P. Norris from Enschede, Netherlands

A: the "co-pay " is A type of insurance policy where the insured pays a specified amount of out-of-pocket expenses for health-care services such as doctor visits and prescriptions drugs at the time the service is rendered, with the insurer paying the remaining costs. However, unlike coinsurance, where the insured is required to pay a certain percentage of the covered costs, co-pay plans require the insured to pay a specified dollar amount. These co-pay fees may vary among insurers but will typically be $25 or less. For example, a co-pay plan may require the insured to pay $25 per doctor visit or $10 per prescription up to a specified coverage limit. To see if your insurance plan has a co-pay option, check your contract. If there is a co-pay option, it will usually be one set amount for doctor visits, emergency room visits and other medical services. Visit FX Solutions

    do you know what a "neglected firm effect" is?

    Category: glossary by D. Y. From Laval, Canada

    The phenomenon of less-known firms producing abnormally high returns on their stocks. Neglected firms are usually the smaller firms that analysts tend to ignore. Information available on these smaller companies tends to be limited to those items that are required by law, such as the 10-K. Blue-chip firms, on the other hand, have a higher profile, which provides large amounts of high quality information (in addition to legally required forms) to institutional investors such as pension or mutual fund companies. The abnormally high return exhibited by neglected firms may also be due to the lower liquidity or higher risks associated with the stock.

    please define the "share capital"

    Category: glossary by Tia W. From Aberdeen, United Kingdom

    "share capital " is Funds raised by issuing shares in return for cash or other considerations. The amount of share capital a company has can change over time because each time a business sells new shares to the public in exchange for cash, the amount of share capital will increase. Share capital can be composed of both common and preferred shares. Also known as "equity financing". The amount of share capital a company reports on its balance sheet only accounts for the initial amount for which the original shareholders purchased the shares from the issuing company. Any price differences arising from price appreciation/depreciation as a result of transactions in the secondary market are not included. For example, suppose ABC Inc. raised $2 billion from its initial public offering. Over the next year, the total value of its shares increases to $5 billion. In this case, the value of the share capital is still only $2 billion because ABC Inc. had received only $2 billion from the sale of its securities to the investing public.

    please tell me what the "lender" is

    Category: glossary by A. W. From United States

    "lender " is A person or company that offers to lend money to a borrower for a given period of time. The borrower is obliged to repay the loan either by instalments or single payment together with specified interest.

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