Terms Starting with H

Hard skills are specific, teachable abilities or skill sets that are easy to quantify and typically job-specific, such as proficiency in a foreign language, typing speed, or computer programming.

The harmonic mean is a type of average, calculated by dividing the number of observations by the sum of the reciprocals of the observations.

The Head and Shoulders pattern is a chart formation that predicts a bullish-to-bearish trend reversal. It is recognized by three peaks, with the middle peak (head) being the highest and the two outside peaks (shoulders) being lower and roughly equal in height.

Health Maintenance Organizations (HMOs) are a type of managed care organization that provide a wide range of healthcare services through a network of providers who agree to supply services to members.

A Health Savings Account (HSA) is a tax-advantaged account designed to help individuals save for medical expenses that high-deductible health plans don't cover.

A hedge is an investment strategy used to reduce the risk of adverse price movements in an asset by taking an offsetting position in a related asset.

A hedge fund is a pooled investment fund that employs different strategies to earn active returns for its investors, often using complex portfolios including derivatives and leverage.

The Herfindahl-Hirschman Index (HHI) is a measure of market concentration used to determine the level of competition among firms within an industry.

Heteroskedasticity refers to the condition in which the variability of a variable is unequal across the range of values of a second variable that predicts it.

The High-Low Method is a cost accounting technique used to estimate the fixed and variable components of a company's costs.

A High-Net-Worth Individual (HNWI) is a classification used in the financial services industry to denote an individual with a high level of liquid financial assets.

A hold harmless clause is a legal agreement in which one party agrees not to hold the other party liable for any loss, damage, or legal liability.

A holding company is a type of business entity that owns enough voting stock in other companies to control their policies and management without being directly involved in their day-to-day operations.

A home equity loan is a type of secured loan where borrowers use the equity of their home as collateral to receive a lump sum of money.

A homeowners association (HOA) is an organization in a subdivision, planned community, or condominium that makes and enforces rules for the properties and their residents.

A Homeowners Association Fee (HOA Fee) is a periodic charge collected by a homeowners association from its members to fund the maintenance and improvement of properties within the association.

A homestead exemption is a legal provision that reduces the property tax burden on a homeowner's primary residence by exempting a portion of its value from taxation.

Horizontal integration is a business strategy where a company acquires or merges with other companies at the same level of the supply chain in a similar or related industry.

A hostile takeover occurs when one company attempts to acquire another without the consent or cooperation of the target company's management.

A housing bubble occurs when property prices significantly inflate beyond their intrinsic values due to high demand, speculative trading, and easy credit, eventually leading to a sharp decline when the bubble bursts.

Human capital refers to the economic value of a worker's experience and skills, including education, training, intelligence, skills, health, and other things employers value such as loyalty and punctuality.

Hurdle rate is the minimum rate of return on an investment that is required by investors or managers to proceed with the project.

Hyperinflation is an extremely high and typically accelerating rate of inflation, often exceeding 50% per month, which erodes the real value of the local currency, leading to a collapse in consumer confidence.

Hypothesis testing is a statistical method used to make decisions about the validity of a claim based on sample data.

Hypothesis testing is a statistical method used to make decisions about the validity of a proposed hypothesis by analyzing sample data.