Wednesday, February 8, 2012
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Personal Finance Glossary
Frequently Searched Terms
Definition of Abusive Tax Shelter
F
"Face value" is the nominal, or stated, value of a stock or bond. For bonds, face value is also... more
A "face-amount certificate" is a type of debt instrument (like a bond). A face-amount certificate... more
"Factor" often refers to a financial institution that will purchase a company's accounts... more
The "Free Application for Federal Student Aid" or "FAFSA," is the form that student borrowers fill... more
The "Fair Credit Reporting Act" or "FCRA" is a federal law that protects the consumers' rights... more
The "Fair Housing Act" or "FHA" is a federal law promoting fair housing throughout the United... more
"Fair market value" is an appraisal term for the "price" of a property that a seller should be able... more
A "fairness opinion" is an investment banker's professional opinion as to the "fairness" of a... more
A "family limited partnership" or "FLP" is a type of limited partnership in which family members... more
"Family of funds" is a group of mutual funds, each having a different objective such as one may be... more
"Fannie Mae" is a government sponsored entity that buys mortgages from lenders, bundles them into... more
The "Fair Credit Reporting Act" or "FCRA" is a federal law that protects the consumers' rights... more
The "Federal Deposit Insurance Corporation" or "FDIC" is a government corporation that insures... more
The "federal deficit" is the amount of money within the annual budget that the federal government... more
The "Federal Deposit Insurance Corporation" or "FDIC" is a government corporation that insures... more
The "federal gift tax" is the tax imposed by the federal government on the person making a gift,... more
The "Federal Home Loan Bank System" or "FHLB" is a corporation owned by thousands of member... more
The "Federal Insurance Contributions Act" or "FICA" is a U.S. federal law that established the... more
The "Federal Reserve Board" is the governing body of the Federal Reserve System, which is... more
"Fee simple" ownership of real estate is the most common form of real property ownership in the... more
The "Fair Housing Act" or "FHA" is a federal law promoting fair housing throughout the United... more
The "Federal Home Loan Bank System" or "FHLB" is a corporation owned by thousands of member... more
The "Federal Home Loan Mortgage Corporation" or "FHLMC", also known as Freddie Mac, is a... more
The "Federal Insurance Contributions Act" or "FICA" is a U.S. law that established the payroll tax... more
The "FICO score" is also known as an individual's credit score. FICO is an acronym for Fair... more
A "fiduciary" is a person, company, or an association that holds or manages assets for a another... more
"First In, First Out" or "FIFO" is an accounting method for inventory based on the premise that the... more
"Filing status" refers to certain tax categories used in connection with filing tax returns.... more
A "final prospectus" is a legal document that describes the offering of securities by a company,... more
"Finance charge" is the total cost of credit a customer must pay on a consumer loan, including... more
"Financial accounting" is the preparation of financial statements by the reporting and recording of... more
The "Financial Accounting Standards Board" or "FASB" is the entity composed of independent members... more
A "financial advisor" is someone who is proficient in the financial field and who can offer... more
A "financial asset" is any identifiable asset such as equipment, land, or buildings that can be... more
A "financial institution" is an organization that receives funds through deposits from corporations... more
"Financial instruments" are papers or documents, some in physical form and others in electronic... more
A "financial planner" is a trained professional who offers advice on how to plan out personal or... more
"Financial statements" typically refer to a company's profit and loss statement, balance sheet,... more
A "firm commitment underwriting" is typically an arrangement in which an underwriter agrees to sell... more
"First In, First Out" or "FIFO" is an accounting method for inventory based on the premise that the... more
"First mortgage" is a loan secured by a first lien on real property, given the lien holder priority... more
"Fiscal policy" refers to the federal tax and spending policies set by Congress and/or the... more
"Fiscal year" is a twelve month accounting statement for a business showing the financial results... more
"Fiscal year-end" is the last date of which a business' fiscal year ends. The accounting period... more
A "fixed rate loan" is a loan whose interest rate is fixed throughout the term of the loan.... more
A "fixed rate mortgage" is a real estate mortgage loan whose interest rate is fixed throughout the... more
A "flat tax" is a system that taxes everyone's income at the same tax rate no matter how large... more
A "flat yield curve" is the graphical representation of a situation in which there is little or no... more
"Flipping" is when shares of stock are purchased in an initial public offering (IPO) and then are... more
The "float" is the number of shares of a company that are publicly owned and tradable. Large... more
"Floating interest rate" is a rate that goes up and down with the condition of the general market... more
A "floating-rate note" is a debt security the interest rate of which is periodically adjusted. For... more
"Flood insurance" is insurance that is designed to protect a homeowner against losses caused by a... more
"FNMA" or "Fannie Mae" is a government sponsored entity that buys mortgages from lenders, bundles... more
A "follow-on offering" is a type of secondary offering of a stock in which a company sells... more
"Forbearance" is a postponement of monthly payments for a limited amount of time in which a... more
"Force majeure" is a contract clause that excuses one or both parties from fulfilling all or part... more
"Foreclosure" is the process by which a holder of a mortgage or deed of trust forces a sale of the... more
"Foreign currency" is money of another... more
"Form 10-K" is the SEC form required to be filed by publicly held companies that provide annual... more
"Form 10-Q" is the form required by the SEC to be filed by public companies on a quarterly basis,... more
"Form 1099-DIV" is the IRS form usually sent by financial institutions to investors and to the IRS... more
"Form 1099-Q" is an IRS form used to report disbursements from a Coverdell Education Savings... more
"Form 1099-R" is a form issued by the Internal Revenue Service, used to report individual... more
"Form 3" is the form required by the SEC from all holders of 10% or more of a public company's... more
"Form 4" is the form required by the SEC for a change in the holdings of an individual owning 10%... more
"Form 5" is an SEC form that must be filed annually by directors and officers of a public company,... more
"Form 8-K" is an SEC filing that a publicly-traded company must file to report any material changes... more
A "forward contract" is a contract in which a seller and buyer will privately agree upon delivery... more
A "fractional share" is a stock that is less than one full share. This usually happens when an... more
A "franchise" is a business that has been established or operates under the authorization to sell... more
A "franchise agreement" is a contract that is between a franchisor and a franchisee. This contract... more
"Fraudster" refers to someone who commits fraud of some kind, such as Internet fraud or securities... more
The term "fraudulent conveyance" (or fraudulent transfer) refers to the transfer of valuable assets... more
The "Federal Home Loan Mortgage Corporation" or "FHLMC", also known as Freddie Mac, is a... more
The "Free Application for Federal Student Aid" or "FAFSA," is the form that student borrowers must... more
In a financial services company, the front office typically includes corporate finance and sales... more
"Front-end load" is one of three types of sales charges imposed by mutual funds that charge fees:... more
A "front-end ratio" is the percentage of a person's monthly income allotted to mortgage... more
A "full service broker" is a securities broker who provides clients a broad selection of fincial... more
An offering of shares of securities is said to be "fully subscribed" when all the shares have been... more
A "fund manager" is the person who oversees the investment money invested in a specific mutual... more
A "fund of funds" is a mutual fund, hedge fund, or other investment fund that invests in other... more
"Futures" is a term used to designate contracts covering the sale of financial instruments or... more
A "futures contract" is a legally binding agreement to buy or sell a commodity or financial... more
Word of the Day
Lock-in
A "lock-in" refers to a commitment from a lender guaranteeing g a specified interest...
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