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Term Of The Day (Investment Related)

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發表於 2008-1-23 09:11:53 | 顯示全部樓層 |閱讀模式
Credit Limit
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- q/ k  I0 q( ^* f: o/ {, ~The amount of credit that a financial institution extends to6 E, X/ }" M- T' A
a client. Credit limit also refers to the maximum amount a
9 L. J6 ~  c+ p5 ]) d0 [$ u) ]credit card company will allow someone to borrow on a single
0 o, e1 S' @# {/ kcard. Credit limits are usually determined based on information
! e8 y; _$ d4 o# X7 x; _, [contained in the application of the person seeking credit, or( U/ W8 D$ j5 }9 ^+ t
that person's credit rating.

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 樓主| 發表於 2008-1-23 09:14:45 | 顯示全部樓層

Term Of The Day: Mortgage

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" \! }+ n5 f# W* \2 ~" @A debt instrument that is secured by the collateral of
+ Y: D4 r4 n/ V3 B9 Jspecified real estate property and that the borrower is obliged
0 G( V* S! l6 ?+ Kto pay back with a predetermined set of payments. Mortgages3 ?: @3 W; A4 T+ k3 ^
are used by individuals and businesses to make large purchases. v. g! R- n7 S( N# r. N
of real estate without paying the entire value of the purchase
7 S3 l. p+ ~- K$ P8 y! I$ cup front.
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Mortgages are also known as "liens against property" or "claims( g8 u: \# E' |
on property".
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 樓主| 發表於 2008-1-24 10:22:52 | 顯示全部樓層

Term Of The Day: Credit

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1. A contractual agreement in which a borrower receives4 Z) n' C; n: S0 o1 \% c& Z
something of value now and agrees to repay the lender at some5 U! K! Q. e$ @4 a9 n, h; i+ w# m
date in the future, generally with interest. The term also" ~7 d; f) l0 \  @9 ?! w
refers to the borrowing capacity of an individual or company.
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+ O0 M# @' f! u9 ?  H- c2. An accounting entry that either decreases assets or increases
5 G% y7 T! S! Zliabilities and equity on the company's balance sheet. On the2 Y! H8 s0 I' f2 v5 V1 L; e7 }
company's income statement, a debit will reduce net income,8 E2 R0 x9 c1 G  Y* l5 w5 c
while a credit will increase net income.
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 樓主| 發表於 2008-1-24 10:24:27 | 顯示全部樓層

Term Of The Day: Calendar Year

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  q4 m3 `0 l! mThe one-year period that begins on January 1 and ends on
  y' t  y; k: k' HDecember 31, based on the commonly used Gregorian calendar.* A0 h. M  B) G6 b$ X
For individual and corporate taxation purposes, a calendar& r% f. V. c* y, g5 S
year will generally comprise all of the year's financial7 G' t) I  w/ ?" X: x1 Z4 N- q; B  d
information used to calculate income tax payable.
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 樓主| 發表於 2008-1-25 12:10:36 | 顯示全部樓層

Term Of The Day: Budget

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An estimation of the revenue and expenses over a specified  l& W& t; t3 m7 w: P
future period of time. A budget can be made for a person, family,
* J" X- n! b6 H: Dgroup of people, business, government, country,  multinational
$ O; N9 ^* N; G' P5 D! e1 ]organization or just about anything else that makes and spends
( {) V/ U. i! Smoney. A budget is a  microeconomic concept that shows the
1 B9 k$ C9 p7 ~4 ]5 H0 Itradeoff made when one good is exchanged for another.
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 樓主| 發表於 2008-1-25 12:13:00 | 顯示全部樓層

Term Of The Day: Risk Lover

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An investor who is willing to take on additional risk for an
8 X. ^! w: j& X* X, A* z! Pinvestment that has a relatively low expected return. This8 |$ u& t7 T  I% ^9 s! w8 |* S! |
contrasts with the typical investor mentality - risk aversion.& u5 E( q8 y( E
Risk averse investors tend to take on increased risks only if5 e5 H3 f( r& |6 v- Z
they are warranted by the potential for higher returns.
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 樓主| 發表於 2008-1-27 10:28:27 | 顯示全部樓層

Term Of The Day: Elastic

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A situation in which the supply and demand for a good or2 q6 n) x& J8 X5 A- s
service can vary significantly due to the price. The elasticity, U2 ~: c4 H8 T  j
of a good or service can vary according to the amount of close& r; L* E: i6 C: @
substitutes, its relative cost and the amount of time that has3 T1 n8 |* ]9 J
elapsed since the price change occurred.
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 樓主| 發表於 2008-1-27 10:31:01 | 顯示全部樓層

Term Of The Day: Blue Collar

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A working-class person historically defined by hourly rates
* @5 w3 Z8 Q+ l5 \0 jof pay and manual labor. A blue collar worker refers to the
. ]" Y5 i- ~; p* |: W  ^fact that most manual laborers at the turn of the century wore% ]# Z# x( K3 ]8 n
blue shirts, which could hold a little dirt around the collar
( D* v4 Z" N( z  K2 I8 U9 Dwithout standing out.
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- F$ R1 B! e+ E7 HThis working class stands in contrast to white collar workers,( f. }+ l# n9 V% g! L
which historically have had the higher-paying, salaried positions
8 k% j" K9 n, V/ |! gto go with their clean and pressed white shirts.
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 樓主| 發表於 2008-1-28 09:45:45 | 顯示全部樓層

Term Of The Day: Pay Yourself First

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A phrase commonly used in personal finance and retirement
! w+ z# E6 t5 yplanning literature that means to automatically route your/ R4 f+ o5 u0 w. M6 O
specified savings contribution from each paycheck at the time6 I, w# K7 N" S0 F% i4 J. Q
it is received.
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Because the savings contributions are automatically routed
7 {" V. R" ^9 a; `, s: D) hfrom each paycheck to your investment account, this process
( J+ @5 G- H9 E7 V, F( w! qis said to be "paying yourself first", or before you begin
& E- j% Y  s- M$ cpaying your monthly living expenses and making discretionary1 i% x9 s# n' S% V9 U- [" i& X6 x
purchases.
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 樓主| 發表於 2008-1-29 10:36:48 | 顯示全部樓層

Term Of The Day: Real Income

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8 M' _+ v. E# e2 c3 X. d6 jThe income of an individual or group after taking into& ?8 x+ y6 M. \: H1 O* j% s! w4 U
consideration the effects of inflation on purchasing power.) Z" Q7 \+ |+ p- a; k( D# K
For example, if you received a 2% salary rise over the previous
3 \  g/ P. J  d6 Myear and inflation for the year was 1%, then your real income' v9 k) G" ?$ b" ?& u
only rose 1%. Conversely, if you received a 2% raise in salary% L  _  x3 @. H, W- _! L
and inflation stood at 3%, then your real income would have) p. w6 y5 v- B! ?) S# I
shrunk 1%.
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