What Is a Moratorium? A moratorium is a temporary suspension of an activity or law until future consideration warrants lifting the suspension, such as if and when the issues that led to moratorium have been resolved. A moratorium may be imposed by a government, by regulators, or by a business. Moratoriums are often imposed in
What Is the Morbidity Rate? Morbidity rate refers to the rate at which a disease or illness occurs in a population and can be used to determine the health of a population and its healthcare needs. Illnesses can range from acute to chronic, long-lasting conditions. Morbidity rates are also used in actuarial professions, such as
What Is Morganization? Morganization is the name given to monopolization techniques used by investor and banking mogul J.P. Morgan in the 19th century. Morgan used his reputation to lure European financiers into America by taking over an industry and stabilizing it through monopoly. Morgan would then turn the industry into a single, stable, profitable entity that
What Is a Morning Star? A morning star is a visual pattern consisting of three candlesticks that are interpreted as bullish signs by technical analysts. A morning star forms following a downward trend and it indicates the start of an upward climb. It is a sign of a reversal in the previous price trend. Traders
What Is Morningstar Inc.? Morningstar is a Chicago-based investment research firm that compiles and analyzes fund, stock, and general market data. They also provide an extensive line of internet, software, and print-based products for individual investors, financial advisors, and institutional clients. The research reaches all corners of the world, including North America, Europe, Australia, and Asia. Among its
What Is a Morris Plan Bank? The term Morris Plan Bank refers to a type of bank that was established to lend money to individuals who could not otherwise obtain loans from mainstream banks. The name is derived from the Virginia lawyer Arthur Morris, who founded the Fidelity Savings & Trust Corporation in 1910. There
What Is a Mortality and Expense Risk Charge? A mortality and expense risk charge is a fee imposed on investors in annuities and other products offered by insurance companies. It compensates the insurer for any losses that it might suffer as a result of unexpected events, including the death of the annuity holder. The amount of
What Is a Mortality Table? A mortality table, also known as a life table or actuarial table, shows the rate of deaths occurring in a defined population during a selected time interval, or survival rates from birth to death. A mortality table typically shows the general probability of a person’s death before their next birthday
What Is a Mortgage? A mortgage is a type of loan used to purchase or maintain a home, land, or other types of real estate. The borrower agrees to pay the lender over time, typically in a series of regular payments that are divided into principal and interest. The property then serves as collateral to
What Are Mortgage Allocations? Mortgage allocations are a step in the settlement of to-be-announced mortgage-backed securities (MBS) that are traded in the secondary market. At assignment, the seller provides the buyer with the precise details of the loans that make up the underlying pool of the MBS. Key Takeaways Mortgage allocation refers to a step in
