Financial dictionary (A)

Abatamen
The heirs do not inherit according testament if inheritance is not sufficient (Pieces).

Absconding Debtor
Debtors who fled (Debtor run).

Absentee Ownership
Ownership of agricultural land or other property outside the area of ​​residence owner (Ownership Absenti).

Absolute Endorsement

Endorsements are not binding upon payment endosan mail order (Ratification of the Absolute).

Acceleration Clause
Article in the contract which states that the seller may demand immediate full payment of remaining unpaid if the buyer fails to pay installments that remain outstanding (Acceleration Clause).

Acceptance Register
List which contains full details of all records concerning the notes on acceptances (Sign Acceptance Notes).

Accident Insurance
Insurance coverage because the risk of accidents resulting in injury, disability, and / or death (Accident Insurance).

Accommodation Endorsement
Endorsement by endosan by simply allowing the use of his name to help other parties to obtain funds through the sale of the notes, although not concerned over draft these, endosan remain liable under the law (Endorsement Lending Names). 

Accomodation Party

People who withdraw money order, to acceptance, or endorse to some people without benefits (Giver Ease).

Accord and Satisfaction
Replacement of the old covenant with a new one to eliminate the demand (Exemption Agreement).

Accomodation Bill; Note; Paper

Draft letter, signed by the drawer, lawyers acceptances, or by simply allowing endosan the use of his name to help others obtain funds through the sale of the notes; although not concerned over the draft letter, which concerned remains responsible according to law (Letter Guaranteed Loan and Name).

Account Day 

Today, when securities must be submitted for payment (Pay Day).

Account Payee 

Words or phrases that are typically included in the crossing for security check in progress payments, for example, to credit the account (account recipient).


Account Stated

The amounts recognized by a party in response to the request of another party confirmation (Accounts Recognized).

Accrued Interest

Flowers that have been taken into account as income or expense of the company, but not yet received or paid real (Interest Accrual).

Accumulation Units

Net income is not distributed in order to add ownership value (Accumulated Post).

Acquisition

The cost to acquire a property or a new business pricing and other business (Acquisition).

Active Stock

Shares traded on the stock lot (Active Stocks).

Actuary

Statistician in charge of calculating the amount of insurance funds and the premium (actuarial).

Advicing Bank

Banks who forwarded the letter of credit to the recipient, without being tied to the provisions in the letter of credit is concerned, and forwarding is conducted after the conviction of the truth of your password or signature opener (Bank Successor).

Affreightment

Agreement made ​​cargo ship owners to carry the goods and the payment of transportation costs (Content Agreements).

All Risk Insurance

Insurance coverage because the risk of any harm, unless the danger that will be explicitly stated is not covered (Insurance All Risks).

Allottee

The person or entity receiving quota shares in connection with the application to purchase shares (Recipient Ration Value). 

Allotment

Determination of the number of shares to people who registered his name to buy some shares of an emission (Ration Value).

Amortisation; Amortisement

1. Repayment of debt by periodic installments;
2. Depreciation of tangible or intangible assets such as patents, goodwill, copyright, and deferred charges (amortization).

Annual Return

Annual return from an investment (Annual Results).

Annuity

A series of periodic payments in the same amount (Annuity).

Annuity Bond

Bonds that do not have the cash today, not redeemable and only produces flowers continuously (Eternal Bond).

Anticipated Acceptance

The notes are payable prior to maturity (Anticipation Notes).

Apropriated Reserves; Surplus

Reserves are established by setting aside a regular part of net revenues for specific purposes (Reserve).

Arbitrage

Taking advantage of the difference in price of goods, securities, or foreign exchange that occurred in different markets (Arbitration).

Arrange; Arrears

Debts or other liabilities which had fallen in time according to the agreement but not yet fully paid (arrears).

Article of Association

Written agreement signed by the founders of companies that includes objectives, the amount of capital and stock ownership, authority and responsibilities of the board, the composition of commissioners, the division of profits and other (Deed).

Asset Stripping 

Taking property for sale and companies for a profit (Confiscation of Assets).

Authorized Capital

The number and the maximum nominal value of shares issued by the company may, in accordance with its articles of association (Authorized Capital).

Average Adjuster

A person or persons designated experts completed and determine the load of each insurer awar; usually designation stipulated in the contract of carriage expert and if not, adapted to the laws of the place of the end of the relevant service (Settlement Awar).

Average of Capital; Cost of Capital

Total cost is measured as the level of interest from various sources of capital used by firms, each of which weighed according to its role in capital structure and capital (Capital Cost).

Investing regularly

Examples of regular investing is to save money, and almost everyone knows and understands the importance of investment. But not everyone is successful in investment, there can not invest because there is no money to invest, there are not investing because they can not set aside money to invest and there also could invest but not optimal.

For those who have money but can not be an investment or investment but not the maximum, perhaps this way can be used: Once you get the money, you should first set aside some of your money to invest, the risks do exist, that is money you are spending less, but what could I do, you do want to have investment. So set aside first before shopping, because if there is possibility of shopping before your luck will run out of money invested.

Gold Investment

In an economic crisis that could endanger the State economy, most people will buy gold, of course, the people who have money. Things like this prove the belief many people that gold is an investment product that can be used to tackle inflation. Because if there is inflation then gold prices will rise more than inflation, will fall again if inflation successfully overcome. Here we can see the importance of investing in gold.

Currently, the gold that can be used as an investment available in several options and the best known is the gold jewelry, gold bars and gold coins. Please note also, that investment in gold would be advantageous if the investment is long term investment. This is from the fact, that after investing gold in the long term, at the time of sale will be very beneficial.

So, it is not advisable to invest gold in the short term. Because if you sell, there is a chance the store would not take your gold, even if they want then the price will be lower than when you buy gold for investment.

One more thing, if you invest in gold, it's better that 24 carat gold. Because if you sell the price will be much higher than if you invest in gold below 24 carat.

Teach Children Investment

Today most young people are not productive and does not understand the importance of money so they just spend money. And they do not realize the importance of investment even though they were students. The role of parents is needed to address these issues.

Awareness to the investment needs to be invested by parents to their children. As one step parents prepare their children.

There are several things you can do for a child or your family understand and be able to save money:

1. They must understand the meaning of money not only can count the money.

2. They must always increase their savings, and of course in this case you should be able to give examples.

3. Continue to provide motivation to invest, and let them know that their investments are doing now can support them to achieve its goals.
 
4. Help them to resist the urge spending items that are not too important, and provide understanding of the importance of discretion in spending money. 

Investment Risk

Risk is something that applies to all things, not least in terms of investment. And we also know, not forever we will be lucky, we never would have suffered losses. Therefore, for that would make an investment should have to know first what are the risks of investment.

From the experiences of people who like to invest, there are 3 things that they fear, namely:

Difficult investment goods sold
One reason for investment goods difficult to sell, because the goods are very specific, such as painting. But once sold, the price can be very high and provide benefits for those who sell them. So before making an investment in kind, learn first how easy it can be sold again. 

The fall in value of investments
This is one of the most feared risk investment, so that before investing you should learn first how the risk of impairment of its investment. Because the decline in value investing is highly variable, can be 10%, 20%, 50% or maybe 100%.

Investment returns are not comparable with rising prices
It often happens that the result of an investment such as deposits less than the price hike, so in this case you can say do not make a profit. To prevent that, it helps you learn first about the benefits you will get.