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Financial interchange

Provisions of the Railroad Retirement Act for transfers between the trust funds and the Social Security Equivalent Benefit Account of the Railroad Retirement program. It places each trust fund in the same position as if railroad employment had always been covered under Social Security.

Financial Lease

This is more of a hire-purchase or installment purchase scheme rather than a lease as in this case at the end of the term for which containers are taken on financial lease, the ownership of the containers is transferred to the ship-owners.Long Term Lease : usually for 03 to 05 years.Master Lease : In this case one ship-owner concludes a deal with a container leasing Company for a period of usually 01 or 02 year whereby he guarantees that a minimum number of containers will always be under his lease from the leasing Company and as against this guarantee, the container leasing Company also assures the ship-owner that a minimum number of empties will be made available to the ship-owner at the various ports as agreed upon between the two contracting parties.Trip Lease or Short Term Lease : for one voyage of one trip.Container Terminal :

Financial limitation

Under the Medicare program, economic restrictions for outpatient rehabilitation services became effective after July 1, 2003. These affect physical therapy, occupational therapy, and speech-language pathology insurance claims submitted by physicians, nurse practitioners, clinical nurse specialists, physician’s assistants, physical therapists, occupational therapists, and speech-language pathologists.

Financial loss cover

Insures legal liability for (pure) financial loss by extending public and/or product liability cover as opposed to financial loss flowing from physical injury or damage to person or property. The extension is claims-made, subject to an excess or co-insurance and has a separate annual aggregate limit of indemnity. Liquidated damages are excluded. The financial loss extension under product liability cover includes the efficacy risk. The main insuring clause of the public liability policy covers financial loss following accidental obstruction, accidental nuisance, etc.

Financial Ombudsman Service (FOS)

A ‘free to consumers’ dispute resolution service with three divisions: banking and loans, insurance and investment. Firms are bound when the Ombudsman makes decisions in favour of the consumer up to £100,000 plus interest, above which the Ombudsman may recommend full payment. Decisions are not binding on the consumer. FOS can also direct firms to take any steps deemed just. The FOS is funded by a general levy on all firms covered by its service. Membership is compulsory for all authorised firms. The Pensions Ombudsman operates separately.

Financial planning

Investment service that reviews an individual’s or family’s economic picture and then determines a course of action to obtain financial goals within a certain period of time. This can include budgeting, planned accumulation of income through various investments, risk analysis, minimizing taxes, and estate planning. Also called total-needs programming .