富人的语言词汇.docx
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富人的语言词汇.docx
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富人的语言词汇
Glossary
A
Accountant:
Hasaformalaccountingeducation,whereabookkeepermaynot.Anaccountantwillhandleyourday-to-dayfinancialneedsincludingthepreparationofyourfinancialstatements.Accountantscanalsopreparetaxreturns.
Asset:
Somethingthatputsmoneyinyourpocketwhetheryouworkornot.Assetsincluderealestate,businesses,andpaperassetssuchasstocks,bondsandmutualfunds.
Agencybonds:
Themostpopularandwell-knownarethebondsofmortgageassociations,nicknamedGinnieMae,FannieMaeandFreddieMac.Butmanyfederalandstateagenciesalsoissuebondstoraisemoneyfortheiroperationsandprojects.
Adjustableratemortgage:
Amortgageloanwhoseinterestratechangesperiodicallyovertheperiodoftheloan.
Amortization:
Gradualrepaymentofadebtbyperiodicinstallmentsthatcoverbothprincipalandinterest.
Annualpercentagerate(APR):
Theeffectiverateofinterestforaloan.TheAPRreflectsallthecostsoffinancing-includingpoints,originationfees,andotherfinancecharges-andisusuallyhigherthantheinterestratealone.
Amex(AmericanStockExchange):
TherivalNewYorkCurbExchangewasfoundedin1842.It'snamesaiditall:
tradingactuallytookplaceonthestreetuntilitmovedindoorsin1921.In1953,theCurbExchangebecametheAmericanStockExchange.
Appraisal:
Aestimateoropinionofthevalueofapropertybyanimpartialpersonskilledintheanalysisandvaluationofrealestate.
Assumableloan:
Anexistingloanonapropertythatthesellerisabletopassontotheborrower.BacktoTop
B
Bonds:
Maybetax-freeMunicipalBonds,U.S.GovernmentissuedTreasuriesorCorporateBondswhichreflectdebtbytheissuingauthorityinexchangeforinterestpaymenttothepurchaser.
Bookkeeper:
Keepstrackofyourbookkeepingrecords.Inmostcasesyou'llwanta"fullcharge"bookkeeper-onewhocanpaybills,properlycodethem,trackaccountsreceivableandpayable,dopayrollandpreparefinancialstatementsandtaxreturns.
Bluechipsstocks:
Isatermborrowedfrompoker,wherethebluechipsarethemostvaluable,andreferstothestocksofthelargest,mostconsistentlyprofitablecorporations.Thelistisn'tofficial-anditdoeschange.
Bookvalue:
Isthedifferencebetweenthecompany'sassetsandliabilities.Asmallorlowbookvaluefromtoomuchdebt,forexample,meansthatthecompaniesprofitswillbelimitedevenifitdoeslotsofbusiness.Sometimesalowbookvaluemeansthatassetsareunderestimated;expertsconsiderthesekindsofcompaniesgood.
Balloonloan:
Mortgageloaninwhichtheremainingamountisfullydueandpayableataspecified,predetermineddate.Balloonloansmayhaveabetterinterestrate,butyouwillhavetobepreparedtopaytheremainingbalanceoftheloaninfull(orobtainanewloan)atthespecifiedtime.BacktoTop
C
Cash:
Savingsaccount,moneymarketfunds,certificatesofdeposit.
Cashflow:
Thedifferencebetweenthemoneyflowingintoyourpocketasincomeandthemoneyflowingoutasexpensesanddebt.Cashflowmaybeeitherpositiveornegative.
Commonstocks:
Equityissuedbyacompanythatgivesthebuyerownershipinthecompany.Stocksmayormaynotpaythebuyeradividend.
CPA(certifiedpublicaccountant):
Haspassedastateexam,whichgivesthemtheCPAdesignation.TherearemanytypesofCPAsandspecialties.NotallCPAsaretaxspecialists.CPAsmayhelpyouwithmanagementissuesinyourcompany(ascontrollerorchieffinancialofficer)audityourfinancialstatementsforloanpurposes(auditor),orhelpyouwithtaxplanning.(KnownasCharteredAccountantinothercountries)
Calloptions:
Buy-Therighttobuytheunderlyingitematthestrikepriceuntiltheexpirationdate.Sell-Sellingtherighttobuytheunderlyingitemfromyouatthestrikepriceuntiltheexpirationdate.Knownasawritingcall.
Corporatebonds:
Arereadilyavailabletoinvestorsascompaniesusethemratherthanbankloanstofinanceexpansionandotheractivities.
Cash-on-cashreturnoninvestment(CCR):
Thisistheamountofannualcashflowdividedbytheamountofcashyouhaveputintothedeal(primarilythedownpayment).Itisshownasapercentage.
Capitalgain:
Thedifferencebetweenthepriceatwhichyouboughtaninvestmentandthepriceatwhichyousoldit,lessimprovementsmadeandothermoneyintheinvestment.
Commodities:
Resourceswhichincludegold,silver,copperandotherpreciousmetalsorfoodproductssuchasporkbellies,wheat,corn,etc.
Cap:
Thelimit,expressedasapercentage,ontheamountofanincreasechargedbyalenderunderthetermsofanadjustableratemortgage.Capsprotecttheborrowerfromlarge,unexpectedinterestrateincreases.
CAP(capitalization)rate:
ThisistheNetOperatingIncomedividedbythepurchaseprice.Itdoesnottakedebtintoaccount.Itisanindicatorofthevalueoftheproperty.AgeneralruleofthumbisthehighertheCAPratethelowerthepriceofthepropertyrelativetoitsvalue.ThelowertheCAPratethehigherthepricerelativetoitsvalue.
Cashoncashreturn(CCR):
Inrealestate,it'sapercentagefiguredeterminedbydividingtheannualcashflowofapropertybytheamountofcashputintotheproperty(typicallythedownpaymentandclosingcosts.)
Closing:
Theprocessbywhichownershipofapropertypassesfromthesellertothebuyer.Closingincludesthedeliveryofadeed,financialadjustments,thesigningofnotes,andthedisbursementoffundsnecessarytocompletethesale.
Closingagent:
Athird-partyagentofyourchoosing(anattorney,escrowagent,representativeofthetitlecompany,oraprofessionalclosingagent),whohandlesallaspectsoftheactualtransaction.
Closingcosts:
Theexpensesincurredinthecompletionofarealestatetransaction.
Contingency:
Aconditioninanoffersheetorcontractthatmustbemetbeforethedealcangoforward.
Costsegregation:
Anaccountingstrategywhichallowsyoutodepreciateyourpropertyatanacceleratedrate.
Counteroffer:
Aresponsetoanoffertopurchaseapropertythatintroducesnewordifferenttermsandconditions.
Creditreport:
AnAssessment,providedbyalocalretailcreditassociation,ofanindividual'sabilitytorepaydebt.
Commodities:
Commoditiesarerawmaterials:
thewheatinbread,thesilverinearrings,theoilingasoline,andathousandotherproducts.Commoditypricesarebasedonsupplyanddemand.
Commonstock:
Ownershipsharesinacorporation.Theyaresoldinitiallybythecorporationandthentradedamonginvestors.Investorswhobuythemexpecttoearndividendsastheirpartoftheprofits,andhopethatthepriceofthestockwillgoupsotheirinvestmentwillbeworthmore.Commonstocksoffernoperformanceguarantees,butovertimehaveproducedabetterreturnthanotherinvestments.BacktoTop
D
Debit:
Themortgageorloanonaproperty.
DebitCard:
Acardusedformakingpaymentsthatlookssimilartoacreditcard,butismorelikeacheckinthesensethatfundsarewithdrawndirectlyfromthebankaccountitisattachedto,orfromtheremainingbalanceonthecard.Alsoknownasabankcardorcheckcard.
Debtordebtservice:
Thedebtormortgagepaymentonaproperty.
Deferredmaintenance:
Necessaryrepairsandupkeepthathavebeenleftundonebytheseller.Maintenancethathasbeendeferredcanrepresentanopportunityinadeal,allowingyoutonegotiatealowerprice.
Downpayment:
Cashpaidbytheselleratclosing,representingapercentageofthepurchaseprice.Differenttypesofloansmayrequiredifferentpercentagesofdownpayment.
Duediligence:
Aresearchprocessthatprovidesaccurateandcompleteinformationregardingthephysical,financial,andlegalattributesofaproperty.
Derivative:
Acontractwhosevalueisbasedontheperformanceofanunderlyingfinancialasset,index,orotherinvestment.
Dividend:
Distributionofearningstoshareholders,proratedbyclassofsecurityandpaidintheformofmoney,stock,script,or,rarely,companyproductsorproperty.
Dividendyield:
Annualpercentageofreturnearnedbyaninvestoronacommonorpreferredstock.Theyieldisdeterminedbydividingtheamountofannualdividendspershare,calledtheindicateddividend,bythecurrentmarketpricepershareofthestock.
DJIA(DowJonesIndustrialAverage):
Anindexwhichmeasuresthemarketperformanceofit's30componentstocksovertime.BacktoTop
E
Earnedincome:
Incomethatyouworkfor.
Escrow:
Moneyorpropertyputintothecustodyofa3rdpartyuntilcertainconditionsaremet.
Estoppelcertificate:
Awrittenstatementbyeachtenantoutliningtheamountofrentbeingpaidandwhetheranyconcessionshavebeenpromisedtothetenantduringtherestofthetermofthelease.
Eviction:
Theprocessoflegallyremovingatenantfromarentalunitorrentalproperty.Evictionsaregrantedforthenon-paymentofrentorotherbreachwiththetermsofthelease.
Equity:
Thevalueofarealestatepropertylessthemortgageandotherliabilitiesrelatedtoit.
Earningspershare:
Arecalculatedbydividingthenumberofsharesintoprofit.Ifearningsincreaseeachyear,thecompanyisgrowing.
Equities:
Ownershipinterestprocessedbyshareholdersinacorporation-stockasopposedtobonds.BacktoTop
F
Financialstatement:
Thereareseveraltypesoffinancialstatements.AnIncomestatementshowsadetailedaccountofincomeandexpensesforaparticularperiodoftime.Abalancesheetincludestheassetsandliabilitiesataparticulartime.Astatementofcashflowdetailscashcominginandcashgoingout.Individuals,propertiesandbusinessesallhavetheirownfinancialstatements.
Financingterms:
Thisspeci
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