(OBS) Refers to items such as assets or a debts which are not recorded on a company’s balance sheet.

Refers to the buying and selling of shares outside the Stock Market.

A time period when a service, e.g. phone network, travel, electricity, gas, etc., is being used less frequently by consumers, therefore prices and rates are cheaper at this time.

A payment which is not officially recorded, usually to avoid tax.

Something way below or way above normal expectations.

A person who does not wish to be in ‘the system’ (for example has no bank account, employment or tax identification, no fixed address, etc). May instead refer to a person who lives self-suffiently in terms of gas, electric, water, sewerage services, etc. Or someone not connected to the internet.

Refers to accounts, investments, banks, etc., which are in countries where there are lower taxes and/or little government control.

A small, elite group of usually wealthy people or families who control a government or organisation, and who are unwilling to share their power.

A market in which a small number of companies control the supply of certain goods and services.

A government official who investigates complaints from the general public about companies, government officials, the media, etc.