Fidelity Investments offers Financial Planning and Advice, Retirement Plans, Wealth Management Services, Trading and Brokerage services, and a wide range of investment products including Mutual Funds, ETFs, Fixed income Bonds and CDs and much more.
Retirement is the withdrawal from one's position or occupation or from one's active working life. A person may also semi-retire by reducing work hours. An increasing number of individuals are choosing to put off this point of total retirement, by selecting to exist in the emerging state of pre-tirement. Some people who have retired from a position with a pre-nominal title, particularly military officers, are often listed with a post-nominal indicating retirement, e.g., "Admiral John Smith (ret)" (or rtd or retd).Many people choose to retire when they are eligible for private or public pension benefits, although some are forced to retire when bodily conditions no longer allow the person to work any longer (by illness or accident) or as a result of legislation concerning their position. In most countries, the idea of retirement is of recent origin, being introduced during the late 19th and early 20th centuries. Previously, low life expectancy and the absence of pension arrangements meant that most workers continued to work until death. Germany was the first country to introduce retirement benefits in 1889.Nowadays, most developed countries have systems to provide pensions on retirement in old age, funded by employers or the state. In many poorer countries there is no support for the old beyond that provided through the family. Today, retirement with a pension is considered a right of the worker in many societies; hard ideological, social, cultural and political battles have been fought over whether this is a right. In many western countries, this is a right embodied in national constitutions.
Wealth is the abundance of valuable financial assets or physical possessions which can be converted into a form that can be used for transactions. This includes the core meaning as held in the originating old English word weal, which is from an Indo-European word stem. The modern concept of wealth is of significance in all areas of economics, and clearly so for growth economics and development economics, yet the meaning of wealth is context-dependent. An individual possessing a substantial net worth is known as wealthy. Net worth is defined as the current value of one's assets less liabilities (excluding the principal in trust accounts).At the most general level, economists may define wealth as "anything of value" that captures both the subjective nature of the idea and the idea that it is not a fixed or static concept. Various definitions and concepts of wealth have been asserted by various individuals and in different contexts. Defining wealth can be a normative process with various ethical implications, since often wealth maximization is seen as a goal or is thought to be a normative principle of its own. A community, region or country that possesses an abundance of such possessions or resources to the benefit of the common good is known as wealthy. The United Nations definition of inclusive wealth is a monetary measure which includes the sum of natural, human, and physical assets. Natural capital includes land, forests, energy resources, and minerals. Human capital is the population's education and skills. Physical (or "manufactured") capital includes such things as machinery, buildings, and infrastructure.
Management (or managing) is the administration of an organization, whether it is a business, a not-for-profit organization, or government body. Management includes the activities of setting the strategy of an organization and coordinating the efforts of its employees (or of volunteers) to accomplish its objectives through the application of available resources, such as financial, natural, technological, and human resources. The term "management" may also refer to those people who manage an organization. Social scientists study management as an academic discipline, investigating areas such as social organization and organizational leadership. Some people study management at colleges or universities; major degrees in management include the Bachelor of Commerce (B.Com.) Bachelor of Business Administration (BBA.) Master of Business Administration (MBA.) Master in Management (MScM or MIM) and, for the public sector, the Master of Public Administration (MPA) degree. Individuals who aim to become management specialists or experts, management researchers, or professors may complete the Doctor of Management (DM), the Doctor of Business Administration (DBA), or the PhD in Business Administration or Management. There has recently been a movement for evidence-based management. Larger organizations generally have three levels of managers, which are typically organized in a hierarchical, pyramid structure: Senior managers, such as members of a board of directors and a chief executive officer (CEO) or a president of an organization. They set the strategic goals of the organization and make decisions on how the overall organization will operate. Senior managers are generally executive-level professionals, and provide direction to middle management who directly or indirectly report to them. Middle managers, examples of these would include branch managers, regional managers, department managers and section managers, who provide direction to front-line managers. Middle managers communicate the strategic goals of senior management to the front-line managers. Lower managers, such as supervisors and front-line team leaders, oversee the work of regular employees (or volunteers, in some voluntary organizations) and provide direction on their work.In smaller organizations, an individual manager may have a much wider scope. A single manager may perform several roles or even all of the roles commonly observed in a large organization.
In computer technology and telecommunications, online indicates a state of connectivity, and offline indicates a disconnected state. In modern terminology this usually refers to an Internet connection, but (especially when expressed "on line" or "on the line") could refer to any piece of equipment or functional unit that is connected to a larger system. Being online means that the equipment or subsystem is connected, or that it is ready for use."Online" has come to describe activities performed on and data available on the Internet, for example: "online identity", "online predator", "online gambling", "online shopping", "online banking", and "online learning". Similar meaning is also given by the prefixes "cyber" and "e", as in the words "cyberspace", "cybercrime", "email", and "ecommerce". In contrast, "offline" can refer to either computing activities performed while disconnected from the Internet, or alternatives to Internet activities (such as shopping in brick-and-mortar stores). The term "offline" is sometimes used interchangeably with the acronym "IRL", meaning "in real life".
To invest is to allocate money in the expectation of some benefit in the future. In finance, the benefit from an investment is called a return. The return may consist of a gain (or loss) realised from the sale of property or an investment, unrealised capital appreciation (or depreciation), or investment income such as dividends, interest, rental income etc., or a combination of capital gain and income. The return may also include currency gains or losses due to changes in foreign currency exchange rates. Investors generally expect higher returns from riskier investments. When a low risk investment is made, the return is also generally low. Investors, particularly novices, are often advised to adopt a particular investment strategy and diversify their portfolio. Diversification has the statistical effect of reducing overall risk.
Barry Lamar Bonds (born July 24, 1964) is an American former professional baseball left fielder who played 22 seasons in Major League Baseball (MLB) with the Pittsburgh Pirates and San Francisco Giants. He received a record seven NL MVP awards, eight Gold Glove awards, a record 12 Silver Slugger awards, and 14 All-Star selections. He is considered to be one of the greatest baseball players of all time.Bonds was regarded as an exceptional hitter: he led MLB in on-base plus slugging six times, and placed within the top five hitters in 12 of his 17 qualifying seasons. He holds many MLB hitting records, including most career home runs (762), most home runs in a single season (73, set in 2001) and most career walks.Bonds was also known as a talented all-around baseball player. He won eight Gold Glove awards for his defensive play in the outfield. He stole 514 bases with his baserunning speed, becoming the first and only MLB player to date with at least 500 home runs and 500 stolen bases (no other player has even 400 of each). He is ranked second in career Wins Above Replacement among all major league position players by both Fangraphs and Baseball-Reference.com, behind only Babe Ruth.However, Bonds led a controversial career, notably as a central figure in baseball's steroids scandal. In 2007, he was indicted on charges of perjury and obstruction of justice for allegedly lying to the grand jury during the federal government's investigation of BALCO. The perjury charges against Bonds were dropped and an initial obstruction of justice conviction was overturned in 2015.Bonds became eligible for the National Baseball Hall of Fame in 2013; he has not been elected, with his highest share of the vote coming in 2019, his seventh of ten years of eligibility, when he received 59.1%.
In the United States, federal funds are overnight borrowings between banks and other entities to maintain their bank reserves at the Federal Reserve. Banks keep reserves at Federal Reserve Banks to meet their reserve requirements and to clear financial transactions. Transactions in the federal funds market enable depository institutions with reserve balances in excess of reserve requirements to lend reserves to institutions with reserve deficiencies. These loans are usually made for one day only, that is, "overnight". The interest rate at which these deals are done is called the federal funds rate. Federal funds are not collateralized; like eurodollars, they are an unsecured interbank loan.Federal funds transactions by regulated financial institutions neither increase nor decrease total reserves in the banking system as a whole. Instead, they redistribute reserves. Before 2008, this meant that otherwise idle funds could yield a return. (Since 2008, the Fed has paid interest on bank reserves, including excess reserves.) Banks may borrow these funds in order to meet the reserves required to back their deposits. Federal funds are definitive money, meaning that they are available for immediate spending, while checks and many other forms of money must be cleared by banks and typically take several days before becoming available for spending. Participants in the federal funds market include commercial banks, savings and loan associations, government-sponsored enterprises, branches of foreign banks in the United States, federal agencies, and securities firms. Many relatively small institutions that accumulate reserves in excess of their requirements lend reserves overnight to money center and large regional banks, as well as to foreign banks operating in the United States. Federal agencies also lend idle funds in the federal funds market. The Fed, which is the central bank of the United States, conducts monetary policy primarily by targeting a certain value for the federal funds rate. If the Fed wishes to move to, for example, a more expansionary monetary policy, it conducts open market operations so as to expand the monetary base, which includes primarily bank reserves; since this puts more liquidity into the banking system, it pushes down the federal funds rate.
Offers is a 2005 Dutch television film directed by Dana Nechushtan and starring Maryam Hassouni and Jacob Derwig. The thriller film is a personal drama about suicide bombers and counter-terrorism in Western Europe. In 2006 Maryam Hassouni won an International Emmy Award for her role as Laila al Gatawi.
Income is the consumption and saving opportunity gained by an entity within a specified timeframe, which is generally expressed in monetary terms.For households and individuals, "income is the sum of all the wages, salaries, profits, interest payments, rents, and other forms of earnings received in a given period of time." (also known as gross income). Net income is defined as the gross income minus taxes and other deductions (e.g., mandatory pension contributions), and is usually the basis to calculate how much income tax is owed. In the field of public economics, the concept may comprise the accumulation of both monetary and non-monetary consumption ability, with the former (monetary) being used as a proxy for total income. For a firm, gross income can be defined as sum of all revenue minus the cost of goods sold. Net income nets out expenses: net income equals revenue minus cost of goods sold, expenses, depreciation, interest, and taxes.