AP Financial Credits

Federal Reserve System
The monetary authority of the US, established in 1913, and governed by the Federal Reserve Board located in Washington, D.C. The system includes 12 Federal Reserve Banks and is authorized to regulatemonetary policy in the US as well as to supervise Federal Reserve member banks, bank holding companies, international operations of US banks, and US operations of foreign banks.

APFinancial Investments

Sales load
See: Sales charge

AP Financial Capital

APFinancial Representatives: Cooling-off period
The period of time between the filing of a preliminary prospectus with the Securities and Exchange Commission and the actual public offering of the securities.
APFinancial traditional bank instruments
AP Financial Finance
About AP Financial

Spontaneous Current Liabilities
Short-termobligations that automatically increase and decrease in response to financing needs, such as accounts payable.

APFinancial a wide variety of investment
APFinancial investment products: Variable Plan
A plan in which either the number of shares and/or the price at which they will be issued is not known on the grant date.

APFinancial Insurance
Cross rates
The exchange rate between two currencies expressed as the ratio of two foreign exchange rates that are both expressed in terms of a third currency. Foreign exchange rate between two currencies other than the US dollar, the currency in which most exchanges are usually quoted.

APFinancial Work places

Money supply
M1-A: Currency plus demand deposits.
M1-B: M1-A plus other checkable deposits.
M2: M1-B plus overnight repos, money market funds, savings, and small (less than $100M) time deposits.
M3: M-2 plus large time deposits and term repos.
L: M-3 plus other liquid assets.

AP Financial higher rate of return

Open-end lease
A lease agreement that provides for an additional payment at the expiration of the lease to adjust for any change in the value of the property.

APFinancial Interests

APFinancial Contact: Time premium
Also called time value, the amount by which an option price exceeds its intrinsic value. The value of an option beyond its current exercise value representing the optionholder's control until expiration, the risk of the underlying asset, and the riskless return.
AP Financial Account Access
AP Financial Coproration
APFinancial Comprehensive Proposals

New-issues market
The market in which a new issue of securities is first sold to investors. This is not a separate market but refers to a niche of the overall market.

AP Financial nationwide leader
APFinancial investment products: Swap book
A swap bank's portfolio of swaps, usually arranged by currency and maturity.

APFinancial Careers
Forfaiter (Secondary)
An individual or financial entity that buys or sells the payment obligations of the importer/ guarantor.

APFinancial Job Offers

Late charge
A fee a creditgrantor charges a borrower for a late payment.

APFinancial Investment

Actuals
The physical commoditiesunderlying a futures contract. Cash commodity, physical asset.

AP Financial services industry

AP Financial services industry: Debt-service coverage ratio
Earnings before interest and income taxes, divided by interest expense plus the quantity of principal repayments divided by one minus the tax rate.
APFinancial growth rate
APFinancial Personal
AP Financial choose investments

Fully invested
Used to describe an investor whose assets are totally committed to investments, typically stock.

APFinancial Asociates
APFinancial investment products: Unified tax credit
A federal tax credit that reduces tax liability, dollar for dollar, on lifetime gifts and asset transfers at death.

AP Financial tax advantages
Public housing authority bond
Bonds of local public housing agencies that are secured by the federal government and whose proceeds are used to provide low-rent housing.

AP Financial Profesional work

Usance Draft
See: Time Draft

APFinancial

Painting the tape
Illegal practice by traders who manipulate the market by buying and selling a security to create the illusion of high trading activity and to attract other traders who may push up the price.

APFinancial Contact

APFinancial Interests: Bond fund
A mutual fund that emphasizes income—consistent with risk, rather than growth—by investing in corporate, municipal, or US government debtobligations, or some combination of them.
APFinancial investment companies
AP Financial high interest
APFinancial Net

Synthetic forward position
A forward position constructed through borrowing in one currency, lending in another currency, and offsetting these transactions in the spot exchange market.

APFinancial Seminars & Workshops
APFinancial investment products: Sunrise industries
Growth industries in an economy that may become leaders in the market in the future.

AP Financial
SEC fee
Small fee the SEC charges to sellers of equitysecurities on an exchange.

AP Financial INC

American Depositary Share (ADS)
Foreign stock issued in the US and registered in the ADR system.

AP Financial Market Summary

Technical analysis
Security analysis that seeks to detect and interpret patterns in past securityprices.

APFinancial Representatives

AP Financial Capital: Group of Eight (G-8)
The G-7 countries plus Russia.
APFinancial mutual funds
APFinancial investment products
AP Financial Business

Receiver's certificate
A debt instrument issued by a receiver and serving as a lien on the property, which provides funding to continue operations or to protect assets in receivership.

APFinancial investment products
APFinancial Net: Country economic risk
Developments in a national economy that can affect the outcome of an international financial transaction.

APFinancial Representatives
Negative cash flow
Occurs when spending in a business is greater than earnings.

AP Financial Coproration

Lending securities
Securitiesborrowed from a broker'sinventory, from another customer's margin account, or from another broker, when a customer is required to deliver on a short sale.

APFinancial traditional bank instruments

Beneath
Used for listed equity securities. 1) Behind; 2) Lower in price.

AP Financial Account Access

: Real Estate Investment Trust (REIT)
REITs invest in real estate or loans secured by real estate and issueshares in such investments. A REIT is similar to a closed-end mutual fund.
APFinancial Investments
AP Financial higher rate of return
AP Financial nationwide leader

Execution costs
The difference between the execution price of a security and the price that would have existed in the absence of a trade, which can be further divided into market impact costs and market timing costs.

APFinancial a wide variety of investment
APFinancial Net: Value dating
When value or credit is given for funds transferred between banks.

APFinancial Job Offers
Glamor stock
A popular stock characterized by high earnings growth rate and a price that rise is faster than the marketaverage in a bull market.

APFinancial Interests

SLD last sale
Shortened version of "sold last sale," which shows up on the consolidated tape when a large change (one point for lower priced securities and two points for higher-priced securities) occurs between transactions.

AP Financial Finance

Sweep account
Account providing that a bank invest all the excess available funds at the close of each business day for the firm.

APFinancial Careers

: Structured settlement
An agreement in settlement of a lawsuit involving specific payments made over a period of time. Property and casualty insurancecompanies often buylife insurance products to pay the costs of such settlements.
APFinancial Contact
APFinancial mutual funds
APFinancial growth rate

Foreign-targeted issue
Notes sold between October 1984 and February 1986 to foreign institutions, foreign short-termbranches of US institutions, foreign central banks or monetary authorities, and to international organizations in which the United States held membership. Sold as companion issues, they could be converted to domestic (normal) Treasury notes with the same maturity and interest rates. Interest was paid annually.



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