guide to lease buy invest

Hardship withdrawal
A hardship withdrawal occurs when you are allowed to take out some or all of your 401(k) money to meet certain financial needs. You qualify by meeting the conditions your plan imposes, which typically ask you demonstrate the urgency of the situation and your need for the money. Among the allowances the IRS makes for hardship withdrawals are purchasing your primary house, covering out-of-pocket medical expenses for you or a dependent, or paying college tuition for you or a dependent.

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Hedge fund
Hedge funds are private investment partnerships open to institutions and wealthy individual investors. These funds pursue returns through a number of alternative investment strategies, including hedging against market downturns by holding both long and short positions, investing in derivatives, using arbitrage, and speculating on mergers and acquisitions.

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Hedger
Hedgers in the futures market try to offset potential price changes in the spot market by buying or selling a futures contract. For example, a cereal manufacturer may want to hedge against rising wheat prices by buying a futures contract that promises delivery of September wheat at a specified price.

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Hedging
Hedging is an investment technique designed to offset, or neutralize, a potential loss on one investment by purchasing a second investment that you expect to perform in the opposite way. For example, you might sell short one stock, expecting its price to drop. At the same time, you would buy a call option on the same stock as insurance against a large increase in value.

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Highly compensated employees
Highly compensated employees are people who earned more than the ceiling the government establishes working for their employer. In 2002, that amount is $85,000.

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High-yield bond
Low-rated bonds pose greater risk of default than higher-rated bonds. As a result, their issuers must pay investors a higher rate of interest to offset that risk, which, in turn, produces a higher yield. These high-yield bonds are also described, somewhat more graphically, as junk bonds.

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