Wednesday, February 8, 2012
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Personal Finance Glossary
Frequently Searched Terms
Definition of Joint Account
D
"Date of issue," in connection with bonds, refers to the date that the bond is issued and when... more
The term "date of record" refers to the date on which a stockholder must officially be on the... more
"Day trading" refers to the purchase and sale of securities (often the same securities) on the same... more
"Deal flow" refers to the rate (or "flow") at which investment proposals or business plans come to... more
A "debenture" is an unsecured debt obligation of an issuer. The terms of a debenture are typically... more
A "debit card" is a card that resembles a credit card but purchases on the card result in an... more
"Debt" typically refers to... more
"Debt consolidation" is a process of combining debts into one loan or repayment plan. Debt... more
"Debt counseling" is counseling that helps individuals focus on reorganizing outstanding debts into... more
The term "debt financing" is the borrowing of money by a government or a business, usually in... more
"Debt holder" is a holder of bonds or... more
A "debt instrument" is a contract which sets forth the terms and conditions of a loan between a... more
The term "debt restructuring" refers to the process of renegotiating the terms and conditions of... more
A "debt security" is a contract which sets forth the terms and conditions of a loan between a... more
"Debt service" refers to the amount of funds necessary to meet the periodic payments of principal... more
"Debt-to-income ratio" refers to a calculation of how much your monthly fixed payments (minimum... more
The term "debt/equity ratio" refers to a measure of a company's debt leverage calculated by... more
A "debtor" is a person or entity who owes money to another... more
A "debtor in possession" is a company that continues to operate under Chapter 11 of the U.S.... more
"Debtor-in-possession financing" is new debt obtained by a company during a Chapter 11 bankruptcy... more
The term "decimalization" refers to the changing of prices that securities trade at from fractions... more
A "declaration date" is the date on which a corporation's Board of Directors formally... more
A "declared dividend" is a dividend payment that has been authorized or approved by a... more
A "deductible" is the amount of the loss which a person is responsible to pay under an insurance... more
A "deduction" is an expense that is allowed as a reduction of gross taxable income for tax... more
A "deed" is a legal instrument used for transferring title to real estate from one party to... more
A "deed of trust" is a legal contract that grants (or creates) a security interest in real property... more
The term "deep in the money" often refers to a (1) call option whose exercise price is considerably... more
A "default" is the failure to perform a legal obligation. For example, a mortgage or deed of... more
"Default risk" refers to the risk of non-payment by a borrower under a... more
"Deferred compensation" refers to compensation earned by an employee but paid at a later date,... more
A "deferred income tax" is a liability recorded on a company's balance sheet for tax that will... more
A "defined benefit plan" is a pension plan set up by a company to make specified payments to... more
A "defined contribution plan" is a pension plan set up by a company to make specified contribution... more
"Deflation" is a general decline in the prices of goods and services. It is the opposite of... more
"Delinquency" is a term used for failure by a borrower or debtor to make payment on a loan, debt or... more
"Delisting" refers to the removal of a listed company or securities from listing on a stock... more
A "demand deposit" is a bank deposit that can be withdrawn by the depositor at any time. A... more
A "demand for payment" is typically a letter or other notice demanding payment for overdue sums. A... more
A "Demand for Rent" is typically a letter or other notice demanding payment from a tenant for... more
A "demand loan" is a loan that must be repaid in full, on demand by the... more
The "Department of Commerce" is the U.S. Cabinet Department which encourages and promotes the... more
The "Department of Treasury" is the U.S. Cabinet Department which performs several functions:... more
"Deposit insurance" is insurance, usually by a government entity (such as the Federal Deposit... more
A "depositary receipt" is a security that is traded on a local stock exchange but represents a... more
A "depository institution" is a financial institution that obtains its funds mainly through... more
"Depreciate" means to fall in value or price. Equipment and cars typically depreciate... more
"Depreciation" is the decrease in the value of an asset from wear and tear and the passage of time.... more
A "derivative" is a financial instrument that changes in value in relation to the price movements... more
A "derivative security" is a financial security whose value is derived in part from the value and... more
A "direct deposit" is the automatic deposit of wages or benefits to a customer's bank account.... more
A "direct participation program" is an investment vehicle typically structured as a limited... more
A "direct stock purchase plan" is a program that allows an investor to purchase stock directly from... more
A "director" is a member of the Board of Directors of a corporation, which is the governing body of... more
"Disability income insurance" is an insurance policy that insures a worker in the event of a... more
A "discount bond" is a bond trading at a discount from par or its face... more
A "discount broker" is a stock brokerage house that charges relatively low commission rates for... more
A "discount note" is an unsecured non-interesting bearing debt obligation that is issued at a... more
"Discounted cash flow" is the value of an investment (measured in terms of the cash invested and... more
"Discretionary income" is the amount of an individual's income available for spending after all... more
"Disposable income" is the amount of personal income that an individual has available after... more
A "distressed security" is a bond or stock of a company undergoing or expected to undergo... more
The term "distribution"often refers to (1) the income or capital gain made by a mutual fund that is... more
"Diversification" refers to the spreading of investments among different categories of assets or... more
A "diversified fund" is a mutual fund that invests in a diversity of securities across a variety of... more
The term "divestiture" refers to the disposition of all or part of a business, asset or investment... more
A "dividend" is a distribution of money or stock that a corporation pays to its stockholders. A... more
The term "dividend policy" refers to the policy of a corporation with respect to the amount of... more
A "dividend reinvestment plan" or "DRIP" is a company plan providing for an automatic reinvestment... more
A dividend yield" is a ratio that shows how much a company pays out in dividends each year relative... more
The "DJIA" or "Dow Jones Industrial Average" is the best known general index of stocks. The index... more
The "DJTA" or "Dow Jones Transportation Average" is an index based on the market prices of 20... more
The "DJUA" or "Dow Jones Utility Average" monitors the stock performance of 15 gas, electric and... more
"Dollar cost averaging" refers to an investment strategy of buying securities in fixed dollar... more
A "domain name purchase agreement" is a contract where the owner of a domain name (e.g.,... more
The "DJIA" or "Dow Jones Industrial Average" is the best known general index of stocks. The index... more
The "Dow Jones Transportation Average" or "DJTA" is based on an index of 20 stocks in the... more
The "Dow Jones Utility Average" or "DJUA" monitors the stock performance of 15 gas, electric and... more
"Dow theory" is a theory that major market trends depend on how the Dow Jones Industrial Average... more
A "down payment" with reference to a home or other real estate purchase refers to the cash portion... more
The term "downgrade" is often used in the stock market to refer to a analyst's change in the... more
The term "downtick" refers to how a stock has traded on a stock exchange when compared to the... more
A "DPP" or "direct participation program" is an investment vehicle typically structured as a... more
"Drag along rights "refer to a contractual right in an investment contract that large or majority... more
A "DRIP" or "dividend reinvestment plan" is a company plan providing for an automatic reinvestment... more
"Dual listing" refers to a company's securities being listed on more than one stock exchange... more
"Due diligence" is the process of a review of a company's operations, financial statements,... more
A "due diligence checklist" is a checklist typically used by acquirers of businesses or venture... more
A "due diligence questionnaire" is a questionnaire given to the company being reviewed for a... more
A "due on sale clause" is a contract provision often found in a mortgage or deed of trust providing... more
A "durable power of attorney for healthcare" is a document in which a person is appointed to make... more
"Durables" are a type of consumer product that do not have to be purchased frequently and intended... more
A "Dutch auction" is a method used in the sale of securities in which the security's offer... more
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