Amy Fontinelle

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  1. Marginal Propensity To Consume - MPC
    Term

    Marginal Propensity To Consume - MPC

    A component of Keynesian theory, MPC represents the proportion of an aggregate raise in pay that is spent on the consumption of goods and services, as opposed to being saved.
  2. Unsystematic Risk
    Term

    Unsystematic Risk

    Company or industry specific risk that is inherent in each investment. The amount of unsystematic risk can be reduced through appropriate diversification. Also known as "specific risk," "diversifiable ...
  3. Hybrid Security
    Term

    Hybrid Security

    A security that combines two or more different financial instruments. Hybrid securities generally combine both debt and equity characteristics. The most common example is a convertible bond that has features ...
  4. Systematic Risk
    Term

    Systematic Risk

    The risk inherent to the entire market or entire market segment. Also known as "un-diversifiable risk" or "market risk."
  5. Reading The Inventory Turnover
    Fundamental Analysis

    Reading The Inventory Turnover

    Inventory turnover is a ratio that shows how quickly a company uses up its supply of goods over a given time frame. Inventory turnover may be calculated as the market value of sales divided by ending inventory, ...
  6. Law Of Supply
    Term

    Law Of Supply

    A microeconomic law stating that, all other factors being equal, as the price of a good or service increases, the quantity of goods or services offered by suppliers increases and vice versa.
  7. Law Of Demand
    Term

    Law Of Demand

    A microeconomic law that states that, all other factors being equal, as the price of a good or service increases, consumer demand for the good or service will decrease and vice versa.
  8. S&P 500 Dividend Aristocrats
    Term

    S&P 500 Dividend Aristocrats

    Companies that have had an increase in dividends for 25 consecutive years. The S&P Dividend Aristocrats index tracks the performance of these companies. A dividend aristocrat tends to be a large blue-chip ...
  9. The Basics Of Bond Duration
    Bonds & Fixed Income

    The Basics Of Bond Duration

    Duration tells investors the length of time it will take a bond's cash flows to repay the investor the price he or she paid for the bond. A bond's duration is stated as a number of years and tells us how ...
  10. Authorized Stock
    Term

    Authorized Stock

    The maximum number of shares that a corporation is legally permitted to issue, as specified in its articles of incorporation. This figure is usually listed in the capital accounts section of the balance ...
  11. Restricted Stock
    Term

    Restricted Stock

    Insider holdings that are under some other kind of sales restriction. Restricted stock must be traded in compliance with special SEC regulations. These regulations are outlined under Section 1244 of the ...
  12. Cash Flow From Financing Activities
    Term

    Cash Flow From Financing Activities

    A category in the cash flow statement that accounts for external activities such as issuing cash dividends, adding or changing loans, or issuing and selling more stock. The formula for cash flow from financing ...
  13. Overnight Rate
    Term

    Overnight Rate

    The interest rate at which a depository institution lends immediately available funds (balances within the central bank) to another depository institution overnight.
  14. Vesting
    Term

    Vesting

    The process by which employees accrue non-forfeitable rights over employer contributions that are made to the employee's qualified retirement plan account.
  15. Goodwill
    Term

    Goodwill

    An account that can be found in the assets portion of a company's balance sheet. Goodwill can often arise when one company is purchased by another company. In an acquisition, the amount paid for the company ...
  16. Market Exposure
    Term

    Market Exposure

    The amount of funds invested in a particular type of security and/or market sector or industry and usually expressed as a percentage of total portfolio holdings. Thus, it is the amount an investor has ...
  17. Takeover
    Term

    Takeover

    A corporate action where an acquiring company makes a bid for an acquiree. If the target company is publicly traded, the acquiring company will make an offer for the outstanding shares.
  18. Spot Rate
    Term

    Spot Rate

    The price that is quoted for immediate settlement on a commodity, a security or a currency . Spot settlement is normally one or two business days from trade date.
  19. What is the Dodd-Frank Act? How does it affect me?
    Economics

    What is the Dodd-Frank Act? How does it affect me?

    The Dodd-Frank Wall Street Reform and Consumer Protection Act is a massive piece of financial reform legislation passed by the Obama administration in 2010 as a response to the financial crisis of 2008. ...
  20. If I don't have any kids and want to leave all of my worldly ...
    Personal Finance

    If I don't have any kids and want to leave all of my worldly ...

    A 1993 law, Section 2-907 of the Uniform Probate Code, changed the treatment of a deceased individual's pet from that of a piece of property to an entity that requires care. As a result, it is possible ...
  21. I want to invest my emergency fund to earn interest. What ...
    Investing

    I want to invest my emergency fund to earn interest. What ...

    When considering where to put your emergency money, a key consideration is making sure you'll be able to access the money quickly, easily and without penalty, when you need it. Financial professionals ...
  22. Funds From Operations (FFO) To Total Debt Ratio
    Term

    Funds From Operations (FFO) To Total Debt Ratio

    A leverage ratio that a credit rating agency or an investor can use to evaluate a company’s financial risk. FFO to total debt is a metric comparing earnings from net operating income plus depreciation, ...
  23. Qualified Mortgage
    Term

    Qualified Mortgage

    A mortgage in which the lender has analyzed the borrower's ability to repay based on income, assets and debts; has not allowed the borrower to take on monthly debt payments in excess of 43% of pre-tax ...
  24. Bond Yields: Current Yield And YTM
    Bonds & Fixed Income

    Bond Yields: Current Yield And YTM

    A bond's current yield, also called "bond yield," is the interest it pays annually divided by the bond's price. A stock's current yield, also called "dividend yield," is the sum of its annual dividends ...
  25. Bubblecovery
    Term

    Bubblecovery

    A condition in which the economy appears to be coming back from a recession, but may actually be entering an asset bubble masquerading as a recovery because of the ease of obtaining inexpensive loans to ...
  26. What Is Collateral?
    Credit & Loans

    What Is Collateral?

    Collateral is property or other assets that a borrower offers a lender to secure a loan. If the borrower stops making the promised loan payments, the lender can seize the collateral to recoup its losses.
  27. Cash Accounting
    Term

    Cash Accounting

    An accounting method where receipts are recorded during the period they are received, and expenses are recorded in the period in which they are actually paid.
  28. Cash Flow From Operating Activities (CFO)
    Term

    Cash Flow From Operating Activities (CFO)

    An accounting item indicating the cash a company brings in from ongoing, regular business activities. Cash flow from operating activities does not include long-term capital or investment costs. It can ...
  29. Articles Of Incorporation
    Term

    Articles Of Incorporation

    A set of documents filed with a government body to legally document the creation of a corporation. Also referred to as the "corporate charter."
  30. Ticker Tape
    Term

    Ticker Tape

    A computerized device that relays financial information to investors around the world, including the stock symbol, the latest price and the volume on securities as they are traded.
  31. Deed Of Surrender
    Term

    Deed Of Surrender

    A legal document that transfers property ownership for a specified time period, provided certain conditions are met. This allows someone to relinquish his/her claims on a particular property to the individual ...
  32. Operating Activities
    Term

    Operating Activities

    A company's typical daily processes that generate income. Operating activities are those that pertain to a company's core business activities, such as manufacturing, distributing, marketing and selling ...
  33. Constant Dollar
    Term

    Constant Dollar

    An adjusted value of currency used to compare dollar values from one period to another. Due to inflation, the purchasing power of the dollar changes over time, so in order to compare dollar values from ...
  34. Money Market Fund
    Term

    Money Market Fund

    An investment fund that holds the objective to earn interest for shareholders while maintaining a net asset value (NAV) of $1 per share. Mutual funds, brokerage firms and banks offer these funds. Portfolios ...
  35. Economic Value
    Term

    Economic Value

    The worth of a good or service as determined by people's preferences and the tradeoffs they choose to make given their scarce resources, or the value the market places on an item. Economic value is represented ...
  36. Shotgun Wedding
    Term

    Shotgun Wedding

    A forced union of two companies or two jurisdictions that otherwise would not choose to merge. A government can cause a shotgun wedding between two companies to prevent a shock to the economy, or between ...
  37. Double Declining Balance Depreciation Method
    Term

    Double Declining Balance Depreciation Method

    One of two common methods a business uses to account for the expense of a long-lived asset. The double declining balance depreciation method is an accelerated depreciation method that counts 20% of the ...
  38. Ugly Duckling Stock
    Term

    Ugly Duckling Stock

    A share of ownership in a company that is underperforming but has the potential to significantly improve. Ugly duckling stocks can be thought of as down, but not out. These stocks might be considered speculative ...
  39. Days Payable Outstanding - DPO
    Term

    Days Payable Outstanding - DPO

    A company's average payable period. Calculated as: ending accounts payable / (cost of sales/number of days).
  40. Investment Bank - IB
    Term

    Investment Bank - IB

    A financial intermediary that performs a variety of services. These include underwriting, acting as an intermediary between a securities issuer and the investing public, facilitating mergers and other ...
  41. Discounting With The Discount Rate
    Investing Basics

    Discounting With The Discount Rate

    The discount rate is the interest rate you need to earn on a given amount of money today to end up with a given amount of money in the future. Let's say you need $1,000 one year from now to go on vacation. ...
  42. Provident Fund
    Term

    Provident Fund

    A compulsory, government-managed retirement savings scheme used in India, Hong Kong, Singapore, Malaysia, Mexico and other countries that is similar to the United States' Social Security program. A provident ...
  43. Children’s Health Insurance Program (CHIP)
    Term

    Children’s Health Insurance Program (CHIP)

    A medical coverage source for individuals under age 19 whose parents earn too much income to qualify for Medicaid, but not enough to pay for private coverage. Children's Health Insurance Program coverage ...
  44. Why Banks Are Scrambling To Hear Your Complaints
    Personal Finance

    Why Banks Are Scrambling To Hear Your Complaints

    Find out the real reasons why banks are trying to reach angry customers before they file a complaint to the CFPB.
  45. Fixed-Rate Bond
    Term

    Fixed-Rate Bond

    A bond that pays the same amount of interest for its entire duration. The benefit of owning a fixed-rate bond is that investors know with certainty how much interest they will earn and for how long. As ...
  46. Yield To Maturity (YTM)
    Term

    Yield To Maturity (YTM)

    The rate of return anticipated on a bond if held until the maturity date. YTM is considered a long-term bond yield expressed as an annual rate. The calculation of YTM takes into account the current market ...
  47. Security Interest
    Term

    Security Interest

    A legal claim on collateral that has been pledged, usually to obtain a loan. The borrower provides the lender with a security interest on certain securities/assets that can be repossessed if the borrower ...
  48. Mortgage
    Term

    Mortgage

    A debt instrument, secured by the collateral of specified real estate property, that the borrower is obliged to pay back with a predetermined set of payments. Mortgages are used by individuals and businesses ...
  49. Term To Maturity
    Term

    Term To Maturity

    The remaining life of a financial instrument. In bonds, it is the time between when the bond is issued and when it matures (its maturity date), at which time the issuer must redeem the bond by paying the ...
  50. Electronic Communication Network (ECN)
    Term

    Electronic Communication Network (ECN)

    An electronic system that attempts to eliminate the role of a third party in executing orders entered by an exchange market maker or an over-the-counter market maker, and permits such orders to be entirely ...
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