AP Financial

Days in receivables
Average collection period.

APFinancial Investments

Statutory investment
An investment that a trustee is authorized to make under state law.

AP Financial high interest

AP Financial INC: Arbitrage Trading Program (ATP)
See: Program trading.
About AP Financial
AP Financial Coproration
APFinancial growth rate

Block voting
Describes a group of shareholders banding together to vote their shares in a single block.

APFinancial Insurance
AP Financial Finance: Characteristic portfolio
A portfolio which efficiently represents a particular asset characteristic. For a given characteristic, it is the minimum risk portfolio, with portfolio characteristic equal to 1. For example, the characteristic portfolio of assetbetas is the benchmark. It is the minimum risk beta = 1 portfolio.

AP Financial Credits

GNMA Midget
A GNMA pass-through certificate backed by fixed-rate mortgages with a 15-year maturity. GNMA Midget is a dealer term and is not used by GNMA in the formal description of its programs.

APFinancial Net

Registered secondary offering
A reoffering of a large block of securities, previously publicly issued, by the holder of a large portion of some corporation through an investment firm.

AP Financial services industry

Possessions corporation
A type of corporation permitted under the US tax code whose branch operation in a US possession can obtain tax benefits as though it were operating as a foreign subsidiary.

APFinancial Representatives

APFinancial Asociates: Life expectancy
The length of time that an average person is expected to live, which is used by insurance companies use to make projections of benefit payouts.
APFinancial Work places
APFinancial Job Offers
AP Financial Capital

Registered investment company
An investment firm which is registered with the SEC and complies with certain stated legal requirements.

APFinancial Investment
AP Financial Finance: Prospectus
Formal written document to sell securities that describes the plan for a proposed business enterprise, or the facts concerning an existing one, that an investor needs to make an informed decision. Prospectuses are used by mutual funds to describe fund objectives, risks, and other essential information.

AP Financial tax advantages

Federal Reserve float
Float is checkbook money that appears on the books of both the check writer (the payor) and the check receiver (the payee) while a check is being processed. Federal Reserve float is float present during the Federal Reserve's check collection process. To promote efficiency in the payments system and provide certainly about the date that deposited funds will become available to the receiving depository institutions (and the payee), the Federal Reserve credits the reserve accounts of banks that deposit check according to a fixed schedule. However, processing certain checks and collecting funds from the banks on which these checks are written may take more time than the schedule allows. Therefore, the accounts of some banks may be credited before the Federal Reserve is able to collect payment from other banks, resulting in Federal Reserve float.

AP Financial Profesional work

Price-book ratio
Compares a stock'smarket value to the value of total assets less total liabilities (book value). Determined by dividing current stock price by commonstockholder equity per share (book value), adjusted for stock splits. Also called Market-to-Book.

AP Financial higher rate of return

Interest rate
The monthly effective interest rate. For example, the periodic rate on a credit card with an 18% annual percentage rate is 1.5% per month.

AP Financial choose investments

AP Financial choose investments: Menu
Used in the context of general equities. Hierarchy of choices concerning price and volume of bids or offers proposed to a customer (e.g. Menu of offerings to a customer buyer - a) 10m @ 24 1/4; b) 25m @ 24 1/2; or c) 50m @ 24 3/4).
APFinancial investment companies
APFinancial mutual funds
AP Financial Market Summary

20% cushion rule
Guideline that revenues from facilities financed by municipal bonds should exceed the operating budget plus maintenance costs and debt service by at least 20% to allow for unforeseen expenses.

AP Financial nationwide leader
AP Financial Finance: Interest-only strip (IO)
A security based solely on the interest payments from a pool of mortgages, Treasury bonds, or other bonds. Once the principal on the mortgages or bonds has been repaid, interest payments stop, and the value of the IO falls to zero.

APFinancial Careers

Undigested securities
Newly issuedsecurities that are not purchased because of lack of demand during the initial public offering.

APFinancial a wide variety of investment

Scale-enhancing
Describes a project that is in the same riskclass as the whole firm. That is, the project allows the firm to grow larger in the context of their current business rather than diversify into new businesses.

APFinancial

Enhancement
An innovation that has a positive impact on one or more of a firm's existing products.

APFinancial Asociates

APFinancial Representatives: Qualitative analysis
An analysis of the qualities of a company that cannot be measured concretely, such as management quality or employee morale.
APFinancial Contact
APFinancial Personal
AP Financial Business

Sales Contract
Contract between a seller and buyer for the sale of goods, services, or both.

APFinancial Comprehensive Proposals
AP Financial Finance: Conversion ratio
Applies mainly to convertible securities. Relationship that determines how many shares of common stock will be received in exchange for each convertible bond or preferred stock when a conversion takes place. It is determined at the time of issue and is expressed either as a ratio or as a conversion price from which the ratio can be figured by dividing the par value of the convertible by the conversion price.

APFinancial investment products

Nominee
A person or firm to whom securities or other properties are transferred to facilitate transactions, while leaving the customer as the actual owner.

APFinancial Interests

Distribution stock
A small amount of a specific stock that forms part of a larger block of stock that is sold small amount by small amount so as not to disrupt the stock's market price.

AP Financial Account Access

Coupon payments
A bond'sinterest payments.

AP Financial INC

AP Financial high interest: Vertical spread
Simultaneous purchase and sale of two options that differ only in their exercise price. See: Horizontal spread.
APFinancial Seminars & Workshops
AP Financial Finance
APFinancial traditional bank instruments

Budget surplus
The amount by which government revenues exceed government spending.

APFinancial Personal
APFinancial investment companies: When distributed
When issued.

APFinancial Asociates

Leverage ratios
Measures of the relative value of stockholders, capitalization, and creditors obligations, and of the firm's ability to pay financing charges. Value of firm's debt to the total value of the firm (debt plus stockholder capitalization).

About AP Financial

Over-the-Counter Option
An option traded off-exchange, as opposed to a listed stock option. The OTC option has a direct link between buyer and seller, has no secondary market, and has no standardization of striking prices and expiration dates. See also Secondary Market.

APFinancial

Recapture
A provision in a contract that allows one party to recover (recapture) some degree of possession of an asset, such as a share of the profits derived from some property.

APFinancial Investment

: Pattern
A technical chart formation used to make market predictions by following the price movements of securities.
APFinancial Interests
AP Financial tax advantages
AP Financial Profesional work

Mortgage interest deduction
A federal tax deduction for interest paid on a mortgage used to acquire, construct, or improve a residence.

APFinancial Insurance
APFinancial investment companies: Bridge financing
Interim financing of one sort or another used to solidify a position until more permanent financing is arranged.

AP Financial services industry

Salvage value
Scrap value of plant and equipment.

AP Financial Coproration

Payee
A person receiving payment through any form of moneytransfer method.

APFinancial Net

Contingent deferred sales charge (CDSC)
The formal name for the load of a back-end load fund.

APFinancial Representatives

: Abandonment
Controlling party giving up rights to property voluntarily.
AP Financial choose investments
AP Financial nationwide leader
APFinancial a wide variety of investment

Erosion
A negative impact on one or more of a firm's existing assets.



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