Wednesday, February 8, 2012
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Personal Finance Glossary
Frequently Searched Terms
Definition of Shelf Registration
S
An "S Corporation" is a special type of corporation under the Internal Revenue Code that allows the... more
"S&P 500" or the "Standard & Poor's 500 Index" is an index of widely held domestic stocks, and... more
An "S-3 filing" is a filing by a company with the SEC, and is one of the most simplified... more
An "S-8 filing" is a SEC filing that is required for public companies that wish to issue options or... more
"Sale and leaseback" refers to the sale of an asset with a simultaneous lease back to the original... more
A "sales representative agreement" is a contract by a company offering products for sale and an... more
"Sales tax" is a percentage tax owed on the purchase price of goods and services. The percentage... more
The "Santa Claus rally" is a seasonal rise in the price of a stock during the last week between... more
The "Sarbanes-Oxley Act" is a federal law passed in 2002 in response to accounting and financial... more
"Savings" refers to funds that are set aside for investment and future use, such as for emergencies... more
A "savings account" is an account that is maintained with a financial institution such as a bank by... more
A "savings bond" is a U.S. government issued bond, issued in face value denominations that range... more
"SBA" is the abbreviation for Small Business Administration. It is a U.S. federal government... more
"Scienter" is the mental state of mind of the intent to deceive or defraud. It is sometimes... more
"Scrip" often refer to a temporary document that represents a part of a share of stock. This is... more
A "seal" is a mark or impression printed on, embossed upon, or affixed to an agreement or other... more
The "Securities and Exchange Commission" or the "SEC" is the federal agency that regulates the... more
A "second mortgage" refers to a mortgage whose lien is subordinate to that of a first or "senior"... more
The "secondary market" is the market in which securities are traded after they are initially... more
A "secondary offering" is a sale of securities held by existing shareholders of a company.... more
"Section 1031" refers to a section of the Internal Revenue Code allowing the deferral of capital... more
A "Section 1031 Exchange" is a type of disposition of real estate described in Section 1031 of the... more
A "sector fund" is a mutual fund that concentrates on a relatively narrow market sector. These are... more
A "secured credit card" is a type of credit card that is linked to a bank account. This allows the... more
A "secured debt" is an obligation backed up by a security interest in specified collateral. If the... more
The "Securities Act of 1933" is a federal law requiring the registration of the offer and sale of... more
A "securities analyst" is an employee that works for a brokerage firm who evaluates the investment... more
The "Securities and Exchange Commission" or "SEC" is an independent regulatory agency with the... more
"Securities lending" is a lending of securities, typically to cover a... more
A "security" is a financial instrument giving the owner a right to a percentage ownership in a... more
"Seed capital" typically refers to the early or initial funding of a start-up... more
A "self-directed IRA" is an individual retirement account that permits the account owner to make... more
"Self-employment tax" is a Social Security and Medicare tax primarily for individuals who work for... more
"Senior debt" is debt that has a repayment priority over any... more
"Senior Security" is a security that must be repaid before other security holders receive any... more
A "SEP Plan" or "Simplified Employee Pension Plan" is a type of retirement plan for self-employed... more
A "separate account" is a pooled investment fund created by an insurance company but segregated... more
"Series 3" refers to a security license that entitles the holder to sell future contracts as well... more
"Series 4" refers to a securities license that entitles the holder to supervise options sales... more
"Series A preferred stock" usually refers to the first round of preferred stock issued by a company... more
A "Series EE bond" is a United States government savings bond that has the properties of a zero... more
A "Series HH bond" is a bond issued by the United States government and is only available in... more
A "settlement agreement" is a contract between two or more parties that have a dispute, where the... more
"Settlement date" is the date in which an executed securities order must be settled by the transfer... more
"Severance pay" is the compensation that an employer gives to an employee in connection with the... more
A "sexual harassment policy" is a written policy adopted by a company stating that illegal sexual... more
A "share repurchase" is a purchase of a company's own shares in the open market. This is... more
A "shareholder activist" is an individual or a group that takes action in order to try to influence... more
The term "shareholder resolutions" refers to actions or approvals taken by the shareholders of a... more
"Shareholders' equity" is the total assets of the company minus the total liabilities in that... more
A "share" is a unit of ownership interest that is provided to a... more
A "shelf offering" is a form of registration of a new securities offering with the SEC, with the... more
A "shelf registration" is a procedure in which a company files a registration statement with the... more
"Short" or "Short Position" in a stock means that the investor has either sold the borrowed shares... more
"Short covering" is the buying of stock to return stock that was previously borrowed in order to... more
"Short interest" is the total number of shares of a company that have been sold short and not yet... more
A "short sale" is the borrowing of a security from a stockbroker and selling it, with the... more
"Short sale against the box" is an act of short selling securities that are already owned. When... more
"Short selling" is the act of selling a security that the seller does not own. Those that are short... more
"Short squeeze" is a situation in which the price of a stock rises and investors who sold the stock... more
"Short-swing profit rule" is a Securities and Exchange Commission regulation that requires the... more
A "SIMPLE 401(k) Plan" is a retirement plan sponsored by employers which is simple and less costly... more
"Simplified Employee Pension" (SEP) is a type of retirement plan that the employer can establish.... more
"Simplified Employee Pension Plan" (SEP Plan) is a retirement program that is much like an... more
"Sinking fund" is money that is set aside regularly by a company in order to redeem its bonds or... more
"Six Sigma" refers to a process and methodology that utilizes data and statistical analysis to... more
"Small Business Administration" or "SBA" is a federal government department that provides services... more
"Small cap" refers to company stocks that have a relatively small market capitalization, generally... more
"Social Security" is a federal benefits program that was developed in 1935 by United States. It... more
"SSN" or "Social Security Number" is a nine digit number that is issued by the federal government.... more
"Software" is coded instructions or programs that allow a computer to produce useful work. ... more
When you purchase a software product (such as Windows or Quicken), you do not actually get... more
"Sole proprietorship" is an unincorporated business organization that has only one... more
"SPDRs" or "Spiders" are shares or units that are issued by a trust that owns stocks that are in... more
A "power of attorney" is a written legal document that authorizes a person to act as an agent on... more
A "specialist" is a member of a stock exchange that acts as the market maker in order to facilitate... more
A "speculative stock" is a stock that is an extremely high risk but also has potential for a high... more
"SPDRs" or "Spiders" are shares or units that are issued by a trust that owns stocks that are in... more
A "split adjusted price" is the price per share of a stock after it has been... more
A "spot market" is any market in which goods or currencies are bought and sold "on the spot." ... more
The "spot price" is the current price of goods or commodities for immediate... more
"SSN" or "Social Security Number" is a nine digit number that is issued by the federal government.... more
A "Staffing Agency Agreement" is a contract between a company and a staffing agency, where the... more
"Standard & Poor's 500 Index" or "S&P 500" is a market-value weighted index. The companies that... more
"Standard deduction" refers to an IRS-determined amount that a taxpayer is allowed to reduce income... more
A "standby commitment" is a commitment by a financial institution to loan money up to a specified... more
"Startup" refers to a new or early stage... more
"Step-up in Basis" often refers to the change in value of an asset inherited upon an owner's... more
"Stock" is an instrument that represents an ownership position in a corporation. The percentage... more
"Stock Bonus Plan" is an incentive program. It rewards employee performance with a grant of stock... more
A "stock buyback" is a purchase of a company's own shares in the open market. This is usually... more
A "stock certificate" is a legal document evidencing ownership of shares of a corporation. The... more
"Stock dividend" is payment of a corporate dividend in the form of additional shares of stock... more
A "stock ledger" is a corporate record that lists the owners of shares of stock in a corporation.... more
"Stock market" refers to a market used for trading equities such as the New York Stock Exchange.... more
A "stock market bubble" refers to an economic exuberance (or extreme excitement) taking place in... more
"Stock option" is an instrument giving the holder the right to purchase shares of stock at a... more
"Stock power" is a power of attorney form that is used to transfer stock from one owner to another.... more
"Stock quote" is a price of a stock that a party is willing to either sell or buy a certain number... more
"Stock record" is the bookkeeping a securities brokerage company keeps all of its securities held... more
A "stock split" is a split of existing shares of stock into a different number of shares of stock.... more
A "stock subscription agreement" is a contract to invest in shares of stock of a company by the... more
"Stock symbol" is a trading symbol given to a security. AMEX and NYSE stocks have three or less... more
"Stockbroker" is a broker who deals in securities transactions (stocks, bonds, options) on behalf... more
A "stockholder voting Aareement" is a leal contract among stockholders of a corporation relating to... more
A "stop order" is an order to sell or buy securities at the market when a certain price (the "stop... more
"Stop-Limit Order" is an order to buy a designated amount of securities at a specified price or... more
A "stop-loss order" is an order to sell stock if the stock drops to a certain level. A stop-loss... more
"Straight life annuity" is an insurance product that makes periodic payments to the annuitant (the... more
"Straight line depreciation" is a method of calculating the depreciation of an asset, which assumes... more
A "strategic alliance" is an agreement between two are more parties to jointly pursue an agreed... more
"Street expectation" often refers to the estimated earnings that are expected to be made by a... more
"Street name" is the term given to securities held in the name of a broker or other nominee. Shares... more
"Structured note" is a debt security with special features, such as interest payments pegged to an... more
"Subchapter S Corporation" is a special type of corporation under the Internal Revenue Code that... more
A "sublease" refers to a contract where a tenant under a lease transfers the right to occupy the... more
"Subordinated debt" refers to a loan that ranks junior to other loans for purposes of repayment. In... more
A "subordination clause" usually refers to a provision in a mortgage or loan agreement which allows... more
A "subprime borrower" often refers to a borrower who does not meet the qualifications for standard... more
A "subprime loan" often refers to a loan made to subprime borrowers (a borrower whose credit rating... more
A "subscription agreement" is a contract to invest in a particular company by the subscriber. The... more
A "subsidy" is a tax credit or payment by a government to producers or exporters of goods to... more
"Surtax" is a tax that is in addition to the normal tax paid by corporations or... more
"Swap" is an agreement between two parties that provides for the exchange of something to the other... more
"Sweep account" is a deposit account at a financial institution where at the end of each business... more
A "syndicate" typically refers to a group of banking firms which jointly underwrite a new stock,... more
"Syndicated loan" is a loan where a group of banks work together in order to provide the funds to a... more
Word of the Day
Low Documentation Loan
A "low documentation loan" is a mortgage that requires only minimal verification of...
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