Sunday, February 5, 2012
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Personal Finance Glossary
Frequently Searched Terms
Definition of Identity Theft
P
"P & L statement" generally refers to the profit and loss (or income) statement of a... more
A "P/E ratio" refers to a corporation's stock price divided by the past annual earnings... more
"Paid-in capital" refers to the capital a corporation receives from investors in exchange for the... more
"Paid-up capital" refers to the amount of capital contributed by stockholders into a... more
"Paper gain" refers to unrealized gain on securities based on a comparison of current market price... more
"Paper loss" refers to unrealized loss on securities based on a comparison of current market price... more
"Paper profit" refers to unrealized gain on securities based on a comparison of current market... more
The term "par" in connection with finance transactions refers to the nominal or face value of a... more
A "parent company" refers to a company that can control a majority-owned or 100% owned subsidiary... more
"Pari passu" is a Latin term meaning "equal in all respects". In finance transactions, pari passu... more
A "partnership" generally refers to a business enterprise between two or more persons who agree to... more
A "partnership agreement" is a contract among persons or entities (known as partners) that spells... more
"Passive income" for tax purposes means income from business activities in which the taxpayer does... more
"Passive loss" refers to loss from activities in which a taxpayer does not materially participate,... more
A "patent assignment" is a contract transferring (assigning) ownership of a patent to a third... more
A "pay-in-kind security" is a security (such as bonds or preferred stock) in which the interest or... more
A "payday loan" typically refers to a small, short-term loan without a credit check that is... more
A "paying agent" is an agent who makes principal and interest payments to holders of bonds on... more
"Payment in kind bonds" refer to bonds whose interest is paid through the issuance of additional... more
A "payroll tax" is tax in which employers are required to withhold from employees' paychecks.... more
The "PBGC" or "Pension Benefit Guaranty Corporation" is the federal body functioning under the... more
Generally, a "penny stock" refers to a stock traded over-the-counter at less than $1 a... more
A "pension" is a sum of money paid regularly usually as a retirement... more
The "PBGC" or "Pension Benefit Guaranty Corporation" is the federal body functioning under the... more
A "pension fund" is a fund set up to pay pension benefits of a company's workers after... more
A "pension plan" refers to a plan established and maintained by an employer or union to provide for... more
The "periodic rate" generally refers to the monthly effective interest rate on a credit card. For... more
The term "personal finance" generally refers to financial planning for an individual or family.... more
A "personal guarantee" is contract whereby an individual or entity takes responsibility for payment... more
The term "personal income" refers to income received by individuals, from all sources including... more
"Personal property" refers to property that is not real property. Examples of personal property... more
A "philanthropist" is an individual who practices philanthropy, i.e., the practice of donating... more
"Philanthropy" is the practice of donating personal wealth to charitable or similar... more
"Phishing" is a form of Internet or email fraud that aims to steal valuable user and financial... more
A "piggy back registration" is where a holder of shares of a corporation is included in a public... more
"PIK" stands for "pay-in-kind" and refers to interest or dividends on bonds or preferred stock,... more
"PIK dividends" generally refer to dividends paid on preferred stock that are paid through the... more
"Pink sheets" refers to an electronic quotation system that displays quotes from dealers for a... more
"Private mortgage insurance" or "PMI" is an insurance policy protecting the holder of a mortgage... more
"Points" in connection with mortgage loans refers to the loan origination fee charged by lenders. A... more
A "poison pill" often refers to provision in a corporation's articles of incorporation or... more
"Policyholder" typically refers to the holder of an insurance... more
"Ponzi schemes" or "pyramid schemes" are illegal fraudulent schemes in which people are recruited... more
A "portfolio" is a collection of assets held by an investor, such as bonds, stocks, options, and... more
"Portfolio income" refers to income from such sources as dividends, interest, capital gains, and... more
"Portfolio management" is the process of managing money and investments, with the goal of... more
A "portfolio manager" is a professional who actively manages an investment portfolio (stocks,... more
A "power of attorney" is a written legal document that authorizes a person to act as an agent on... more
A "pre-approval letter" is a document from a mortgage lender that indicates a potential home buyer... more
A "pre-emptive right" is the right of a shareholder to purchase shares in future offerings of the... more
A "pre-incorporation agreement" is a contract between two or more parties that sets forth that a... more
"Predatory lending" refers to lending practices that are unfair and abusive. For example, a lender... more
"Preferred stock" is a security of a corporation that gives the holder a claim, prior to the common... more
A "preferred stock purchase agreement" is a contract where an investor purchases preferred stock in... more
A "preliminary prospectus" is a preliminary document used in connection with a proposed public... more
The term "premium" can have multiple meaning, including (1) the payments made under an insurance... more
A "prenuptial agreement" is a contract entered into by two people prior to marriage. Prenuptial... more
A "prepackaged bankruptcy" is where a company and its creditors agree to a plan of reorganization... more
"Prepaid interest" is interest paid in advance of its due date. Prepaid interest is charged in... more
"Prepayment" refers to the payment of all or a portion of a loan before its maturity date. Some... more
A "prepayment penalty" is a fee imposed by a lender in the event a loan is paid off before its... more
"Prepayment risk" refers to the risk a borrower will prepay a mortgage or other loan (typically... more
A "press release" is a public relations announcement by a company distributed to newspapers and... more
A "P/E ratio" refers to a corporation's stock price divided by past ("trailing") annual... more
The "prime rate" is typically defined to mean the interest rate at which financial institutions... more
A "principal residence" is the dwelling that a person lives in most of the time during... more
A "privacy policy" is a Web site's official statement on the type of user information it... more
A "private foundation" is a nonprofit organization established and supported primarily by private... more
A "private investment fund" is a fund primarily engaged in investing in securities, but, where the... more
A "private letter ruling" is a ruling by the Internal Revenue Service in response to a written... more
"Private mortgage insurance" or "PMI" is an insurance policy protecting the holder of a mortgage... more
A "private placement" is the offer and sale of securities to a limited group of investors without... more
A "private placement memorandum" is a document that lays out the details of a securities investment... more
"Probate" is the legal process where a deceased's estate is administered and the assets from... more
A "profit warning" is a statement by a publicly held company that its earnings will not be meeting... more
A "promissory note" is a contract obligating one party to pay or repay a specified dollar amount to... more
"Property" refers to assets of some kind, typically broken down into real property (homes,... more
"Property insurance" is insurance that provides financial protection against the loss of, or damage... more
A "property management agreement" is a contract between an owner of real estate and a person or... more
"Property tax" is a tax imposed by a state, city or municipality on real property based on its... more
A "prospectus" is a formal disclosure document used to sell securities, describing the issuer of... more
A "proxy" is a written authorization from a stockholder that empowers someone to vote on the... more
"Proxy materials" are the documents used by corporations to solicit votes for corporate decisions,... more
A "proxy statement" is a document prepared by a corporation for dissemination to its stockholders,... more
A "public company" is a company whose shares are traded on a stock exchange or in the... more
A "public offering" refers to the offering of securities by a company or organization to the public... more
A "public offering price" is the price offered to the public for new securities to be issued in a... more
A "put," in the financial context, is an option giving the holder the right to sell an underlying... more
A "put bond" is a bond that gives the holder the right to require the issuer of the bond to redeem... more
A "put option" is a financial instrument that gives the holder right to sell a given stock (or... more
"Pyramid schemes" or "Ponzi schemes" are illegal fraudulent schemes in which people are recruited... more
Word of the Day
U.S. Savings Bonds
"U.S. Savings Bond" is a bond with a fixed interest rate over a specific period of...
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