Amy Fontinelle

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  1. Insurance Company Credit Rating
    Term

    Insurance Company Credit Rating

    The opinion of an independent agency regarding the financial strength of an insurance company. An insurance company's credit rating indicates its ability to pay policyholders' claims. It does not indicate ...
  2. Treasury Direct
    Term

    Treasury Direct

    The online market where investors can purchase federal government securities directly from the U.S. Treasury. Treasury Direct sells Treasury bills, notes, bonds, Treasury inflation-protected securities ...
  3. Bull Market
    Investing Basics

    Bull Market

    A financial market with rising asset prices fueled by investors’ optimism, confidence and expectations.
  4. No-Appraisal Loan
    Term

    No-Appraisal Loan

    A mortgage that does not require an appraisal of the property’s current market value.
  5. Corporate Credit Rating
    Term

    Corporate Credit Rating

    The opinion of an independent agency regarding the likelihood that a corporation will fully meet its financial obligations as they come due. A company's corporate credit rating indicates its ability to ...
  6. Drawdown Percentage
    Term

    Drawdown Percentage

    The portion of a retirement account that a retiree withdraws each year. If the drawdown percentage is too high, the retiree will outlive her savings and struggle financially at the end of her life.
  7. Credit Card Teaser Rate
    Term

    Credit Card Teaser Rate

    A lower-than-normal interest rate that a credit card company extends to a new cardholder for a fixed period. Credit card teaser rates are a tool for attracting new customers. The best possible teaser rate ...
  8. Monetary Policy
    Economics

    Monetary Policy

    Monetary policy is a central bank’s actions that influence the country’s money supply and the overall economy.
  9. Debt Consolidation
    Term

    Debt Consolidation

    The act of combining several loans or liabilities into one loan. Debt consolidation involves taking out a new loan to pay off a number of other debts. Most people who consolidate their debt usually do ...
  10. Private Mortgage Insurance - PMI
    Term

    Private Mortgage Insurance - PMI

    A policy provided by private mortgage insurers to protect lenders against loss if a borrower defaults. Most lenders require PMI for loans with loan-to-value (LTV) percentages in excess of 80%. This allows ...
  11. Home Improvements That Really Pay Off
    Home & Auto

    Home Improvements That Really Pay Off

    Before you invest the cash from your home equity loan in a sunroom or a high-end master suite, take heed: The renovations that pay off most aren't the glamorous ones.
  12. How To Earn The Most From CDs When Interest Rates Are Low
    Bonds & Fixed Income

    How To Earn The Most From CDs When Interest Rates Are Low

    Certificates of deposit might not seem like a good place to keep your money when interest rates are low, but they do offer security and stability. And with laddering and studying promotional rates, you ...
  13. Amortization
    Term

    Amortization

    1. The paying off of debt in regular installments over a period of time. 2. The deduction of capital expenses over a specific period of time (usually over the asset's life). More specifically, this method ...
  14. Foreclosure - FCL
    Term

    Foreclosure - FCL

    A situation in which a homeowner is unable to make principal and/or interest payments on his or her mortgage, allowing the lender to seize and sell the property as stipulated by the mortgage contract. ...
  15. Do U.S. High Corporate Tax Rates Hurt Americans?
    Investing Basics

    Do U.S. High Corporate Tax Rates Hurt Americans?

    The United States has the highest corporate tax rate of the 34 developed, free-market nations that make up the Organization for Economic Cooperation and Development (OECD).
  16. Designated Market Maker
    Investing Basics

    Designated Market Maker

    A designated market maker maintains fair and orderly markets for an assigned set of listed firms and improves market liquidity.
  17. Amortization Schedule
    Term

    Amortization Schedule

    A complete schedule of periodic blended loan payments, showing the amount of principal and the amount of interest that comprise each payment so that the loan will be paid off at the end of its term. Early ...
  18. EBIT (Earnings Before Interest and Taxes)
    Investing Basics

    EBIT (Earnings Before Interest and Taxes)

    Earnings before interest and taxes, or EBIT, takes a company’s revenue, or earnings, and subtracts its cost of goods sold and operating expenses.
  19. Time to  Accept Credit Card Offers Again?
    Credit & Loans

    Time to Accept Credit Card Offers Again?

    How much you could get and whether to respond
  20. Covered Interest Arbitrage
    Forex Strategies

    Covered Interest Arbitrage

    Covered interest arbitrage is a trading strategy in which an investor uses a forward currency contract to hedge against exchange rate risk.
  21. Business Cycle
    Economics

    Business Cycle

    The business cycle refers to the fluctuations in economic activity that an economy experiences over a period of time. It consists of expansions, or periods of economic growth, and contractions, or periods ...
  22. Depository Trust Company
    Investing Basics

    Depository Trust Company

    The Depository Trust Company, founded in 1973 and based in New York City, is one of the world's largest securities depositories.
  23. The Home Appraisal: Your Key to a Successful Refinance
    Home & Auto

    The Home Appraisal: Your Key to a Successful Refinance

    When you refinance your mortgage, everything hinges on the appraisal. Here's what appraisers look at, how to make your home look as valuable as possible and ways to fight back if the valuation comes in ...
  24. Negative Volume Index - NVI
    Term

    Negative Volume Index - NVI

    A technical indicator that relies on changes in a security’s volume to identify when smart money is driving the current trend. The Negative Volume Index suggests that unsophisticated investors buy and ...
  25. Understanding FHA Home Loans
    Retirement

    Understanding FHA Home Loans

    Don't be overwhelmed when filling out these forms. Find out what you need to do here.
  26. Five Retirement Warning Signs for Millennials
    Retirement

    Five Retirement Warning Signs for Millennials

    If Gen Y'ers don't want to keep working forever, here's what they need to do now.
  27. Appraisal Management Company - AMC
    Term

    Appraisal Management Company - AMC

    An independent entity through which mortgage lenders order residential real estate valuation services for properties on which they are considering extending loans to homebuyers.
  28. Event Risk
    Term

    Event Risk

    1. The risk due to unforeseen events partaken by or associated with a company. 2. The risk associated with a changing portfolio value due to large swings in market prices. Also referred to as "jump risk" ...
  29. Hydrocarbon
    Term

    Hydrocarbon

    An organic chemical compound composed exclusively of hydrogen and carbon atoms. Hydrocarbons can be solids, liquids or gasses and are what petroleum and natural gas are primarily made up of. The way the ...
  30. Treasury Yield
    Term

    Treasury Yield

    The return on investment, expressed as a percentage, on the debt obligations of the U.S. government. Treasuries are considered to be a low-risk investment because they are backed by the full faith and ...
  31. Retirement Income Certified Professional - RICP
    Term

    Retirement Income Certified Professional - RICP

    A professional designation for experienced financial professionals who wish to become experts in retirement income planning.
  32. Investment Company Act Of 1940
    Term

    Investment Company Act Of 1940

    Created in 1940 through an act of Congress, this piece of legislation clearly defines the responsibilities and limitations placed on fund companies that offer investment products to the public.
  33. Forward Guidance
    Term

    Forward Guidance

    Verbal assurances from a country’s central bank to the public about its intended monetary policies.
  34. S-Score
    Term

    S-Score

    A numerical value that encapsulates how consumers and investors feel about a company, stock, ETF, sector or index as expressed over social media, specifically Twitter. S-Scores are created with data gathered ...
  35. Inventory: FIFO, LIFO
    Fundamental Analysis

    Inventory: FIFO, LIFO

    Whether a company chooses FIFO or LIFO has important implications for the bottom line and for tax liability.
  36. How To Use Your Roth IRA As An Emergency Fund
    Taxes

    How To Use Your Roth IRA As An Emergency Fund

    Do you feel like you don’t have enough money to save for emergencies and also save for retirement? An often-overlooked feature of the Roth IRA could solve your problem.
  37. How Federal Open Market Committee Meetings Drive Rates And ...
    Economics

    How Federal Open Market Committee Meetings Drive Rates And ...

    Janet Yellen's first Federal Open Market Committee (FOMC) meeting - and its aftermath - is an important bellwether for the immediate future of the U.S. economy.
  38. North American Free Trade Agreement - NAFTA
    Term

    North American Free Trade Agreement - NAFTA

    A regulation implemented on Jan. 1, 1994, that decreased and eventually eliminated tariffs to encourage economic activity between the United States, Mexico and Canada. NAFTA is credited with making it ...
  39. Fixed Or Variable-Rate Mortgage: Which Is Better Right Now?
    Home & Auto

    Fixed Or Variable-Rate Mortgage: Which Is Better Right Now?

    Find out the benefits of fixed- and variable-rate mortgages, and learn which option is best for you.
  40. Volcker Rule
    Term

    Volcker Rule

    The Volcker rule separates investment banking, private equity and proprietary trading (hedge fund) sections of financial institutions from their consumer lending arms.
  41. Five Women Who Are Leading In Male-Dominated Fields
    Personal Finance

    Five Women Who Are Leading In Male-Dominated Fields

    In honor of March's Women's History Month, we look at five prominent female leaders who've taken leading roles at tables mostly populated by men.
  42. Americans Are Borrowing More To Buy Cars - But Should They ...
    Home & Auto

    Americans Are Borrowing More To Buy Cars - But Should They ...

    As the economy slowly heals, credit has become easier to obtain and interest rates have gone down. But does that mean it's wise to take on a car loan right now?
  43. Money Market Hedge
    Term

    Money Market Hedge

    A practice that businesses engaging in foreign trade use to eliminate foreign currency risk by purchasing the foreign currency at today’s spot price. A money market hedge helps a domestic company ...
  44. Holding Company
    Term

    Holding Company

    A parent corporation that owns enough voting stock in another corporation to control its board of directors (and, therefore, controls its policies and management).
  45. Financialization
    Markets

    Financialization

    Financialization is an increase in the size and importance of a country's financial sector relative to its overall economy.
  46. Surrender Period
    Term

    Surrender Period

    The amount of time an investor must wait until he or she can withdraw funds from an annuity without facing a penalty. Withdrawing money before the agreed-upon holding period can result in a surrender charge. ...
  47. How Financial Advisors Mistreat Women (And What Women Can ...
    Personal Finance

    How Financial Advisors Mistreat Women (And What Women Can ...

    While many women want professional help managing their finances, some male advisors still treat women as second-class citizens. We’ve talked to three women who work in the financial services industry about ...
  48. Consumer Theory
    Term

    Consumer Theory

    Investopedia explains: The study of how people decide what to spend their money on given their preferences and their budget constraints.
  49. What Will Happen To Treasury Yields With Yellen And Tapering?
    Markets

    What Will Happen To Treasury Yields With Yellen And Tapering?

    Janet Yellen was sworn in as Federal Reserve chair Feb. 3, 2014, ending Ben Bernanke's eight-year tenure. Yellen assumes her role at a time when the economy is its strongest since the recession ended in ...
  50. MyRA
    Term

    MyRA

    A new tax-advantaged retirement account that President Barack Obama introduced in January 2014 as a way for lower-income workers to save for retirement. Workers can open an account with as little as $25 ...
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