Adjustable Rate Mortgage (ARM)

A mortgage in which the interest rate is periodically adjusted according to various market rates. Lenders tend to favor ARMs because ARM rates rise and fall with market rates (the same market rates that determine what […]

American Depository Receipts (ADRs)

Securities traded on the U.S. stock exchanges representing ownership of stock in foreign companies.

Annual Percentage Rate (APR)

The base interest rate being charged without taking into account the compound interest. When you see a credit card offer for 13.99% APR, that’s your base rate. However, the interest that you actually end up paying […]

Annual Percentage Yield (APY)

The interest rate that takes into account compound interest. Your bank will often quote your deposit account interest rate in APY to make it appears higher.


A series of scheduled payments (e.g., each month). Each payment is usually the same amount as each of the other payments in the annuity. An annuity can take on a few different forms. For example, you […]


Anything that you own that has present or future economic value, e.g., cash, security, property, etc.

Back-End Load

A charge for redeeming the shares of a mutual fund.


Basically, an IOU issued by a company in order to raise money. When you buy a bond, you are essentially loaning money to a company with the understanding that you will receive what you invested along […]

Cash Flow

The way your money moves through your personal economy. Your cash flow includes the money coming into your possession and the way money moves out of your possession.

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