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Tags: ap financial apfinancial
Published : 10 months, 1 week ago (Wed, 03 Sep 2008 04:13:19 PDT)
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Profile buyer/seller
Trader trying to get involved in a stock who presents self as a buyer/seller to draw a call from a customer. That is the trader has nothing real, or natural.
Profit
Revenue minuscost. The amount one makes on a transaction.
Profit center
A division of an organization held responsible for producing its own profits.
Profit forecast
A prediction of future profits of a company, which may affect investment decisions.
Cede & Co.
Nominee name for The Depository Trust Company, a large clearing house that holds shares in its name for banks, brokers and institutions in order to expedite the sale and transfer of stock.
CEDEL
A centralized clearing system for Eurobonds.
Ceiling
The highest price, interest rate, or other numerical factor allowable in a financial transaction.
Central bank
A country's main bank whose responsibilities include the issue of currency, the administration of monetary policy, open market operations, and engaging in transactions designed to facilitate healthy business interactions. See: Federal Reserve System.
APFinancial a wide variety of investment: Late trading
Late trading of mutual fund shares occurs when investors placing trades after 4 PM receive the 4 PM price. These late traders can use the information revealed after 4 PM to guide their trades: buying funds when their current value is greater than their 4 PM value and selling the funds when the reverse is true. Doing so allows them to earn expected abnormal returns at the expense of the fund's long-term shareholders.
Latent default
A potential default that may have always been present but unidentified.
Launder
To move illegally acquired cash through financial systems so that it appears to be legally acquired.
APFinancial Work places
APFinancial Personal
APFinancial Contact
Carve out
Usually occurs when a company decides to IPO one of their subsidiaries or divisions. The company usually only offers a minority share to the equity market. Also known as equity carve out.
Cash
The value of assets that can be converted into cash immediately, as reported by a company. Usually includes bank accounts and marketable securities, such as government bonds and banker's acceptances. Cash equivalents on balance sheets include securities that mature within 90 days (e.g., notes).
Cash account
A brokerage account that settles transactions on a cash-rather than credit-basis.
APFinancial Representatives
APFinancial Seminars & Workshops: Purchase accounting
Method of accounting for a merger that treats the acquirer as having purchased the assets and assumed the liabilities of the acquiree, which are then written up or down to their respective fair market values. The difference between the purchase price and the net assets acquired is attributed to goodwill.
Purchase agreement
Used in connection with project financing; an agreement to purchase a specific amount of project output per period.
Purchase fee
A charge assessed by an intermediary, such as a broker-dealer or a bank, for assisting in the sale or purchase of a security.
Purchase fund
Resembles a sinking fund, except that money is used to purchasebonds only if they are selling below their par value.
APFinancial Comprehensive Proposals
Lead regulator
A leading self-regulatory organization that over sees compliance with a particular section of the law, such as the NYSE, ASE, or NASDAQ.
Lead underwriter
The head of a syndicate of financialfirms that are sponsoring an initial public offering of securities or a secondary offering of securities. Could also apply to bondissues.
Leader
A stock or group of stocks that is the first to move in a market upsurge or downturn.
Leading
Strategy used by a firm to accelerate payments, normally in response to exchange rate expectations.
Acceleration clause
A contract stating that the unpaid balance becomes due and payable if specific actions transpire, such as failure to make interests payments on time.
Accelerated depreciation
Any depreciation method that produces larger deductions for depreciation in the early years of an asset's life. Accelerated cost recovery system (ACRS), which is a depreciation schedule allowed for tax purposes, is one such example.
Acceptance
Contractual agreement instigated when the drawee of a time draft "accepts" the draft by writing the word "accepted" thereon. The drawee assumes responsibility as the acceptor and for payment at maturity. See: Letter of credit and banker's acceptance.
Capital gain
When a stock is sold for a profit, the capital gain is the difference between the net sales price of the securities and their netcost, or original basis. If a stock is sold below cost, the difference is a capital loss.
Capital gains distribution
A distribution to the shareholders of a mutual fund out of profits from selling stocks or bonds, that is subject to capital gains taxes for the shareholders.
Capital gains tax
The tax levied on profits from the sale of capital assets. A long-termcapital gain, which is achieved once an asset is held for at least 12 months, is taxed at a maximum rate of 20% (taxpayers in 28% tax bracket) and 10% (taxpayers in 15% tax bracket). Assets held for less than 12 months are taxed at regular income tax levels, and, since January 1, 2000, assets held for at least five years are taxed at 18% and 8%.
Capital gains yield
The price change portion of a stock's return.
APFinancial Job Offers: Alpha equation
Regression usually run over 36-60 months of data: Return-Treasury bill= alpha + beta (S&P 500 - Treasury bill) + error. The alpha is the intercept. Note that the benchmark does not necessarily have to be the S&P 500. A mutual fund specializing in international investment might be benchmarked to a broader world market index, such as the MSCI World Index.
APFinancial Insurance
APFinancial Careers
APFinancial Asociates
Last trading day
The final day under an exchange's rules during which trading may take place in a particular futures or options contract. Contracts outstanding at the end of the last trading day must be settled by delivery ofunderlyingphysical commodities or financialinstruments, or by agreement for monetary settlement, depending futures contract specifications.
Late charge
A fee a creditgrantor charges a borrower for a late payment.
Late tape
A delay in the display of price changes on the tape of an exchange because of heavy trading. In severe instances the first digit of each price is intentionally deleted.
APFinancial Net
APFinancial Seminars & Workshops: Big Bang
The term applied to the liberalization in 1986 of the London Stock Exchange (LSE) when trading was automated.
Big Board
A nickname for the New York Stock Exchange (NYSE). Also known as The Exchange. More than 2,000 common and preferred stocks are traded. Founded in 1792, the NYSE is the oldest exchange in the United States, and the largest. It is located on Wall Street in New York City.
APFinancial mutual funds
Wash
Gains equal losses.
Wash sale
Purchase and sale of a security either simultaneously or within a short period of time, often in order to recognize a tax loss without altering one's position. See: Tax selling.
Wasting asset
An asset that has a limited life and thus decreases in value (depreciates) over time. Also applies to consumed assets, such as oil or gas, and termed "depletion."
Correspondent
A financial organization that performs services (acts as an intermediary) in a market for another organization that does not have access to that market.
Correspondent bank
Bank that accepts deposits of, and performs services for, another bank (called a respondent bank); in most cases, the two banks are in different cities.
Cosigner
A term referring to a person, other than the principal borrower, who signs for a loan. The cosigner(s) assumes equal liability for the loan.
Cost
The opposite of revenue. An expense that reflects the price of purchasing goods, services and financial instruments. A cash cost means that cash is given up today to the purchase. Also, the purchase price of an investment, which is compared to the sale proceeds to determine capital gain or loss.
Monetary assets and liabilities
Assets and liabilities with contractual payoffs.
Monetary Control Act of 1980 (MAC)
Act which requires that all banks and all institutions that accept deposits from the public make periodic reports to the Federal Reserve System. Starting in September 1981, the Fed charged banks for a range of services that it had provided free in the past, including check clearing, wire transfer of funds and the use of automated clearinghouse facilities.
Monetary gold
Gold held by governmental authorities as a financial asset.
APFinancial Interests: Accommodative monetary policy
Federal Reserve System policy to increase the amount of money available to banks for lending. See: Monetary policy.
Account
In the context of bookkeeping, refers to the ledger pages upon which various assets, liabilities, income, and expenses are represented.
APFinancial Seminars & Workshops
APFinancial traditional bank instruments
APFinancial mutual funds
Agreement among underwriters
A contract among participating members of a syndicate that defines the members' proportionate liability, which is usually limited to and based on the participants' level of involvement. The contract outlines the payment schedule on the settlement date. Compare: Underwriting agreement.
Agreement corporation
Corporationchartered by a state to engage in international banking: so named because the corporation enters into an "agreement" with the Fed's Board of Governors that it will limit its activities to those permitted by an Edge Act Corporation.
APFinancial Work places
APFinancial Asociates: Mortgage REIT
An REIT that invests in loanssecured by real estate which derive income from mortgageinterest and fees.
Mortgage servicing
The collection of monthly payments and penalties, record keeping, payment of insurance and taxes, and possible settlement of default , involved with a mortgageloan.
Moscow Interbank Currency Exchange (MICEX)
Established in 1992, the most liquid and best organized financialexchange in Russia.
APFinancial Net
Auction markets
Markets in which the prevailing price is determined through the free interaction of prospective buyers and sellers, as on the floor of the stock exchange.
Auction rate preferred stock (ARPS)
Floating rate preferred stock, whose dividend is adjusted every seven weeks through a Dutch auction.
Audit
An examination of a company's accounting records and books conducted by an outside professional in order to determine whether the company is maintaining records according to generally accepted accounting principles. See: accountant's opinion.
Audit trail
Resolves the validity of an accounting entry by a step-by-step record by which accounting data can be traced to their source.
Substantially equal periodic payments (SEPP)
A method of distribution from IRA account assets that under certain conditions is not subject to the IRS's 10% premature withdrawal penalty for those under age 59-1/2.
Success tax
A 15% excise tax on "excess" distributions from tax-deferred retirement plans that was repealed by the Taxpayer Relief Act of 1997. In essence, the tax had penalized "successful" investors who accumulated large retirement accounts and took distributions that exceeded an annual limit deemed excessive by the tax code.
Suicide pill
A hostile takeover prevention tactic that could destroy the target company. Taking on a large amount of debt to prevent the takeover might cause bankruptcy, for example.
Suitability
A requirement that any investing strategy fall within the financial means and investment objectives of an investor.
Operating in the red
Doing business while losing money.
Operating risk
The inherent or fundamental risk of a firm, without regard to financial risk. The risk that is created by operating leverage. Also called business risk.
Operationally efficient market
Market in which investors can obtain transactions services that reflect the true costs associated with furnishing those services. Also called an efficient market.
Operations department
See: Back office.
Opex
See: Operating Expenses
Opinion shopping
Attempts by a corporation to attain reporting objectives by following questionable accounting principles, with the help of an auditor willing to sanction the practices. Prohibited by the SEC.
: 12B-1 fees
The percent of a mutual fund'sassets used to defray marketing and distributionexpenses. The amount of the fee is stated in the fund's prospectus. The SEC has recently proposed that 12B-1 fees in excess of 0.25% be classed as a load. A true no load fund has neither a sales charge nor a 12b-1 fee.
12B-1 funds
Mutual funds that do not charge an up-front or back-end commission, but instead take out up to 1.25% of average daily fund assets each year to cover the costs of selling and marketing shares, an arrangement allowed by the SEC's Rule 12B-1 (passed in 1980).
APFinancial Investment
APFinancial investment companies
APFinancial growth rate
Upstairs order
Used for listed equity securities. Off-floor order.
Upswing
An upward turn in a security's price after a period of falling prices.
Uptick rule
SEC rule that selling short is allowed only on an up tick.
Uptick trade
A transaction that takes place at a higher price than the preceding transaction involving the same security. Related: Tick test rules.
Useful life
The expected period of time during which a depreciatingasset will be productive.
APFinancial Comprehensive Proposals
APFinancial Asociates: Basis point
In the bondmarket, the smallest measure used for quoting yields is a basis point. Each percentage point of yield in bonds equals 100 basis points. Basis points also are used for interest rates. An interest rate of 5% is 50 basis points higher than an interest rate of 4.5%. Sometimes referred to as BPS, BIPS, and pronounced "Bips"
Basis price
Price expressed in terms of yield to maturity or annual rate of return.
Basis risk
Unexpected changes in the basis between the placing and the lifting of a hedge. Basis risk is in excess of convergence.
Basket
Applies to derivative products. Group of stocks that is formed with the intention of either being bought or sold all at once, usually to perform index arbitrage or a hedging program.
APFinancial Interests
Shortfall risk
The risk of falling short of any investment target.
Show me buyer/seller
Used in the context of general equities. Customer who has not placed a firm order to buystock but has requested that the salesperson propose available stock for sale or purchase, along with the asking/bid price. See: Bidding buyer.
Show stopper
A legal barrier, such as a scorched-earth policy or shark repellant system, that firms use to prevent a takeover.
/>Show and tell list
Used in the context of general equities. Block list which is full of real customer indications (rather than profile).
"Put pants on it "
Used in the context of general equities. "Elaborate on your intentions or your inquiry," especially with respect to size, side, and price. See: Open up.
Put price
The price at which an asset will be sold if a put option is exercised. Also called the strike or exercise price of a put option.
Put provision
Gives the holder of a floating-rate bond the right to redeem the note at par on the coupon payment date.
APFFinancial Services Inc. has experienced collection specialist. The company history roots go back to 1947. AP Financial acquired SOS Collection Services, Inc. in 2001, which was formed with the acquisition of National Collex and the Arizona Creditors Bureau. National Collex bases goes back to year 1976 and the Arizona Creditors Bureau having 61 years of activity.
Our age is a fast-place and we have to nimble. AP Financial Services Inc. is an independently owned, licensed, bonded, and ACA insured collection agency that is big enough to handle any of your collection challenges, yet still cares and provides prompt, personal one-on-one service. Our company has over 42 years experience in collections and we're always available.
: Payments System
Collective term for mechanisms (both paper-backed and electronic) for moving funds, payments and money among financial institutions throughout the nation. The Federal Reserve plays a major role in the nation's payments system through distribution of currency and coin, processing of checks, electronic transfer of funds and the operation of automated clearinghouses that transfer funds electronically among depository intitutions; various private organizations also perform payments system functions.
Payoff diagram
In option pricing, a graph of the value of the option position at expiration as a function of the underlying asset price.
Payoff profile
The slope of a line graphed according to the value of an underlying asset on the x-axis and the value of a position taken to hedge against risk exposure on the y-axis. Also used with changes in value. See: Risk profile.
Payout period
The time period during which withdrawals from a retirement account or annuity are paid.
APFinancial a wide variety of investment
APFinancial traditional bank instruments
APFinancial Contact
Long-term debt ratio
The ratio of long-ter debt to total capitalization.
Long-Term Anticipation Securities (LEAPS)
Long-term options.
Long-term financial plan
Financial plan covering two or more years of future operations.
Long-term financing
Liabilities repayable in more than one year plus equity.
APFinancial investment products
APFinancial Asociates: White sheets
Lists of prices published by the National Quotation Bureau for Market Makers.
White-shoe firm
Broker-dealer firms that disdain practices such as hostile takeovers.
White squire
White knight who buys less than a majority interest.
APFinancial
Portfolio transaction costs
The expenses associated with buying and selling securities, including commissions, purchase and redemption fees, exchange fees, and other miscellaneous costs. In a mutual fundprospectus, these expenses are listed separately from the fund's expense ratio.
Portfolio turnover rate
For an investment company, an annualized rate found by dividing the lesser of purchases and sales by the average of portfolioassets.
Portfolio variance
Weighted sum of the covariance and variances of the assets in a portfolio.
Savings Incentive Match Plan for Employees (SIMPLE) 401(k) plan
A tax-deferred retirement savings plan similar to a conventional 401(k) plan, redesigned with specific rules to meet the needs of small employers. The Small Business Job Protection Act of 1996 created these plans for companies with fewer than 100 employees. An employee's contributions are indexed for inflation, and employers must make annual annual matching contributions.
Savings and loan association
National- or state-chartered institution that accepts savings deposits and invests the bulk of the funds thus received in mortgages.
Savings rate
Personal savings as a percentage of disposable personal income.
S&P 500 Composite Index
Index of 500 widely held common stocks that measures the general performance of the market.
S&P phenomenon
Tendency of stocks newly added to the S&P composite index to rise in price due to a large number of buyorders as S&P-related index funds add the stock to their portfolios.
S&P Rating
Rating service provided by S&P that indicates the amount of risk involved with different securities.
: Nonmember bank
Depository institution that is not a member of the Federal Reserve System. Specifically, a state-chartered commercial bank that has elected not to join the System.
Nonmember firm
Used for listed equity securities. Brokerage firm that is not a member of an organized exchange (NYSE). Such firmsexecutetrades either through member firms, or on regional exchanges where they are members, or in the third market.
Nonmonetary assets and liabilities
Assets and liabilities with noncontractual payoffs.
Nonparallel shift in the yield curve
A shift in the yield curve in which yields do not change by the same number of basis points for every maturity. Related: Parallel shift in the yield curve.
Nonparticipating life insurance policy
Life insurance policy whose policyholders do not receive dividends, because they are not participants in the interest, dividends, and capital gains earned by the insurer on premiums paid.
Nonperforming asset
An asset that is not effectively producing income, such as an overdue loan.
APFinancial Job Offers
APFinancial Net
APFinancial Comprehensive Proposals
Turnover
For mutual funds, a measure of trading activity during the previous year, expressed as a percentage of the average total assets of the fund. A turnover rate of 25% means that the value of trades represented one-fourth of the assets of the fund. For finance, the number of times a given asset, such as inventory, is replaced during the accounting period, usually a year. For corporate finance, the ratio of annualsales to net worth, representing the extent to which a company can grow without outside capital. For markets, the volume of sharestraded as a percent of total shares listed during a specified period, usually a day or a year. For Great Britain, total revenue. Percentage of the total number of sharesoutstanding of an issue that trades during any given period.
Turnover rate
Measures trading activity during a particular period. Portfolios with high turnover rates incur higher transactioncosts and are more likely to distribute capital gains, which are taxable to nonretirement accounts.
APFinancial
APFinancial a wide variety of investment: Risk-reward ratio
Relationship of substantial reward corresponding to the amount of risk taken; mathematically represented by dividing the expected return by the standard deviation.
Risk seeker
Investor who likes to take risk and is even willing to pay for it. Also called risk lover.
Risk transfer
The shifting of risk through insurance or securitization of debt because of risk aversion.
Risky asset
An asset whose future return is uncertain.
APFinancial Contact
Coface
The French Export Credit Agency.
Coffee, Sugar & Cocoa Exchange (CS&CE)
The New York-based commodity exchange trading futures and options. The CS&CE shares the trading floor at the Commodities Exchange Center.
Cofinancing agreements
Joint participation of the World Bank and other agencies or lenders in providing funds to developing countries.
Coherent Market Hypothesis
A hypothesis that the probability density function of the market may be determined by a combination of group sentiment and fundamental bias. Depending on combinations of these two factors, the market can be in one of four states: random walk, unstable transition, chaos, or coherence.
Temporal method
A currency translation method under which the choice of exchange rate depends on the underlying method of valuation. Assets and liabilities valued at historical cost (marketcost) are translated at the historical (current market) rate.
Temporary Assets
That portion of a firm'scurrent assets that fluctuates in response to seasonal or anticipated short-term.
Temporary Financing
The sum of negotiated current liabilities and temporary spontaneous current liabilities.
Temporary investment
A short-terminvestment, such as a money market fund, Treasury bills, or short-term CD, which is usually held a year or less.
Letter of intent
An assurance by a mutual fundshareholder that a certain amount of money will be invested monthly, in exchange for lower sales charges. In mergers, a preliminary merger agreement between companies after significant negotiations.
Letter stock
Privately placed common stock, so-called because the SEC requires a letter from the purchase stating that the stock is not intended for resale.
Letter of Testamentary
A certificateissued by the court evidencing the appointment of an executor of estate.
Letter of Transmittal
A document used by security holder to accompany certificates surrendered in an exchange or other corporate action.
Level
Used in the context of general equities. Price measure of an indication.
Level-coupon bond
Bond with a stream of coupon payments that remain the same throughout the life of the bond.
: Back months
In the context of futures and optionstrading, refers to the months of contracts with expiration dates farthest away. See farthest month.
Back office
Brokerage house clerical operations that support, but do not include, the trading of stocks and other securities. All written confirmation and settlement of trades, record keeping, and regulatory compliance happen in the back office.
Back on the shelf
In the context of general equities, permanently canceledorder/interest in a stock by a customer. See: Take a powder.
APFinancial Asociates
APFinancial investment companies
APFinancial growth rate
Salary freeze
A temporary halt to increases in salary due to financial difficulties experienced by a company.
Salary reduction plan
A plan allowing employees to contribute pre-tax income to a tax-deferredretirement plan.
Salary Reduction Simplified Employee Pension Plan (SARSEP)
A low-cost, no-frills version of a 401(k) employee savings plan available to companies with 25 or fewer employees. It allows employees to make pretax contributions to their IRAs through salary reduction each year. The Small Business Job Protection Act of 1996 replaced SARSEPs with SIMPLE (Savings Incentive Match Plan for Employees) plans. Existing SARSEPs were allowed to add new participants, but new plans could not be formed after December 31, 1996.
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