APFinancial Seminars & Workshops

Netting out
To get or bring in as a net; to clear as profit.

AP Financial Credits

Suspense account
An account used temporarily to record receipts and disbursements that have yet to be classified.

APFinancial Careers

APFinancial Investment: Coupon pass
Canvassing by the desk of primary dealers to determine the inventory and maturities of their Treasury securities. The desk then decides whether to buy or sell certain issues (coupons) in order to add or withdraw reserves.
AP Financial Account Access
AP Financial nationwide leader
APFinancial growth rate

Billing cycle
The time elapsed between billing periods for goods sold or services rendered.

AP Financial INC
APFinancial Representatives: Block
Large quantity of stock or large dollar amount of bondsheld or traded. As a rule of thumb, 10,000 shares or more of stock and $200,000 or more worth of bonds would be described as a block.

APFinancial Asociates

Blanket recommendation
A recommendation by a brokerage firm sent to all its customers advising that they buy or sell a particular stock regardless of investment objectives or portfolio size.

APFinancial a wide variety of investment

Pension fund
A fund set up to pay the pension benefits of a company's workers after retirement.

AP Financial high interest

Automated bond system (ABS)
The computerized system that records bids and offers for inactively tradedbonds until they are cancelled or executed on the NYSE.

AP Financial

APFinancial investment companies: Down volume
When a stock decreases in value on a particular day, the volume in that stock is considered down volume. Related: Up volume.
AP Financial higher rate of return
About AP Financial
APFinancial investment products

Asian option
Option based on the average price of the underlying assets during the life of the option.

APFinancial mutual funds
APFinancial Representatives: 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 Capital

Incontestability clause
Clause in a life insurance contract preventing the insurer from revoking the policy after it has been in force for a year or two. If the life insurance company discovers any important facts that the policyholder may have concealed, such as experiencing a stroke.

AP Financial Finance

Maximum return criterion (MRC)
Standard that one choose the asset with the highest return.

APFinancial Net

Redemption cushion
The percentage by which the conversion value of a convertible security exceeds the redemption price (strike price).

APFinancial Investments

APFinancial Investments: Clearing House Automated Payments System (CHAPS)
A computerized clearing system for sterling funds that began operations in 1984. It includes 14 member banks, nearly 450 participating banks, and is one of the clearing companies within the structure of the Association for Payment Clearing Services (APACS).
APFinancial Personal
AP Financial Business
AP Financial Profesional work

Directorship
Used in the context of general equities. Stock status whereby a trader may not maintain positions in the security, due to an investment bank employee serving as a director on the corporation'sBoard of Directors done to avoid conflicts of interest; signified by a flashing "D" on Quotron. Contrast to restricted.

AP Financial Market Summary
APFinancial Representatives: Research portable
Service offered to clients that transmits investment bank research electronically by computers.

APFinancial Job Offers

Small-capitalization (small-cap) fund
A mutual fund that invests primarily in stocks of companies whose market value is less than $1 billion. Small-cap stocks historically have been more volatile than large-cap stocks, and often perform differently from the overall market.

AP Financial services industry

Pretax rate of return
Gain on a security before taxes.

APFinancial Contact

Market order go-along/participating
Used for listed equity securities. See: Percentage order.

APFinancial investment companies

AP Financial: Noncumulative
Applies mainly to convertible securities. Type of preferred stock on which unpaid or Omitted dividends do not accrue. Omitted dividends are, as a rule, gone forever.
APFinancial traditional bank instruments
AP Financial choose investments
APFinancial Interests

Volume discount
A reduction in price based on the purchase of a large quantity.

AP Financial tax advantages
APFinancial Representatives: Form 4
The form required by the SEC for a change in the holdings of an individual owning 10% or more of the outstandingstock or in the holdings of a company officer.

APFinancial Comprehensive Proposals

Treasury notes
Debtobligations of the US Treasury that have maturities of more than one year, but not more than 10 years.

APFinancial

Agreement corporation
Corporationchartered by a state to engage in international banking: so named because the corporation enters into an "agreement" with the Fed's Board of Governors that it will limit its activities to those permitted by an Edge Act Corporation.

APFinancial Work places

Significant order imbalance
A large number of buy or sell orders for a stock that cause an abnormally wide spread between bid and offer prices, and often causes the exchange to halt the sale of the stock until significant balance has been reestablished.

APFinancial Investment

APFinancial Careers: Penalty tax
A federal tax that can be applied if a plan holder does not meet certain requirements when making withdrawals from a tax-advantaged retirement plan (for instance, if the plan holder has not reached age 59-1/2). This penalty tax is owed in addition to any income taxes due.
APFinancial Insurance
APFinancial Representatives
AP Financial Coproration

Insolvency risk
The risk that a firm will be unable to satisfy its debts. Also known as bankruptcy risk.

AP Financial higher rate of return
APFinancial investment companies: Except for opinion
An auditor's opinion reflecting the fact that the auditor is unable to audit certain areas of the company's operations because of restrictions imposed by management or other conditions beyond the auditor's control.

APFinancial Contact

Without Recourse Financing
Financing in which the right of recourse to the party receiving funds is forfeited to the party advancing funds. This may be evidenced by conditions added to the endorsement of a draft being sold by an exporter in order to protect the exporter, if the instrument is not paid at maturity by the original obligor.

AP Financial

Tax evasion
Illegal by reducing tax burden by underreporting income, overstating deductions, or using illegal tax shelters.

About AP Financial

Purchase
Buy; be long; have an ownership position.

AP Financial tax advantages

: Zero-bracket amount
The standard deduction portion of income which is not taxed for taxpayers choosing not to itemize deductions.
AP Financial Capital
APFinancial
AP Financial Credits

Kuala Lumpur Stock Exchange (KLSE)
Established in 1973, the Kuala Lumpur Stock Exchange (KLSE) is the only stock exchange in Malaysia.

APFinancial traditional bank instruments
APFinancial investment companies: Gold fixing
The process of determining the price of gold based on supply and demand forces of the market; which occurs twice daily in London.

APFinancial growth rate

On a clean up
Used in the context of general equities. Willingness to participate in part of a trade if all of the stock available is spoken for except for the "clean up amount."

APFinancial mutual funds

Certified Financial Planner (CFP)
A person who has passed examinations accredited by the Certified Financial Planner Board of Standards, showing that the person is able to manage a client's banking, estate, insurance, investment, and tax affairs.

APFinancial Comprehensive Proposals

Unleveraged program
The use of borrowed funds to finance less than 50% of a purchase of assets. In a leveraged program borrowed funds are used to finance more than 50%.

APFinancial Investments

: Custodian
Either (1) a bank, agent, trust company, or other organization responsible for safeguarding financial assets, or (2) the individual who oversees the mutual fundassets of a minor's custodial account.
AP Financial choose investments
APFinancial Representatives
AP Financial Business

Market portfolio
A portfolio consisting of all assets available to investors, with each asset held in proportion to its market value relative to the total market value of all assets.



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