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Investor Glossary

Investor Glossary

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Published by sebascian

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Published by: sebascian on Feb 24, 2012
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02/24/2012

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Glossary
Administrator
 The individual or institution appointed by a court to oversee the settlement of the estate of aperson who has died without a will.
Agreement for Sale
 A document in which the purchaser agrees to buy certain real estate (or personal property) andthe seller agrees to sell under stated terms and conditions. Also called sales contact, binder orearnest money contract.
Amortization
 Gradual debt reduction. Normally, the reduction is made according to a pre-determined schedulefor installment payments.
Annual Exclusion
 The amount of money or property (currently $10,000 for an individual and $20,000 for a marriedcouple) that may be given as a gift to a recipient each year without incurring a gift tax. Theamount will be indexed for inflation after 1998.
Annual Percentage Rate
 A term used in the Truth in Lending Act to represent the cost of a loan as a yearly rate.
 
Annuity
 An interest-bearing contract between an individual and a life insurance company that guaranteesperiodic payments to the indivdual during a specific time period.
Appraisal
 
 
The process of evaluating the monetary worth of propertythat is part of an estate.
 
A formal, written estimation of the current market value of ahome.
Appreciation
 An increase in value, the opposite of depreciation.
Beneficiary
 An individual named as the recipient of the income or principal of an estate or trust.
Bequest
 Property given as a gift under the terms of a will.
Blue Chip Stocks
 High-quality, common stock of well-known companies with extended records of earnings anddividends, well-respected management, and prospects for continued strong performance.Generally, these stocks are the choice of investors seeking long-term growth.
Bond
 A debt instrument that is a "promise to pay" issued by corporations, federal and state goverments,and municipalities to raise capital. The bond issuer promises to pay the holder of the bond the
 
principal amount of the loan when the bond matures and a fixed rate of interest periodically duringthe term of the bond.
Borrower
 One who receives funds in the form of a loan with the obligation of repaying the loan in full withinterest.
Broker (Real Estate)
 One who receives a commission or fee for bringing buyer and seller together and often assisting inthe negotiation of contracts between them. In most states a license is required.
Building Code
 The local regulations that control design, construction, and materials used in construction. Buildingcodes are based on safety and health standards.
Bull/Bear
 Terms frequently used to describe the outlook for short-and long-term market performance:
 
bull
refers to the belief that stock prices are likely to rise;
 
bear
refers to the expectation that prices will decline.
Capital Gains
 The difference between the cost basis and the amount for which you sold the stock
Capital Gains and Losses
 
 
For tax purposes, the difference between the purchase priceand selling price.

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