富人的语言、词汇

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1、GlossaryAAccountant:Hasaformalaccountingeducation,whereabookkeepermaynot.Anaccountantwillhandleyourday-to-dayfinancialneedsincludingthepreparationofyourfinancialstatements.Accountantscanalsopreparetaxreturns.Asset:Somethingthatputsmoneyinyourpocketwhetheryouworkornot.Assetsincluderealestate,b

2、usinesses,andpaperassetssuchasstocks,bondsandmutualfunds.Agencybonds:Themostpopularandwell-knownarethebondsofmortgageassociations,nicknamedGinnieMae,FannieMaeandFreddieMac.Butmanyfederalandstateagenciesalsoissuebondstoraisemoneyfortheiroperationsandprojects.Adjustableratemortgage:Amortgageloa

3、nwhoseinterestratechangesperiodicallyovertheperiodoftheloan.Amortization:Gradualrepaymentofadebtbyperiodicinstallmentsthatcoverbothprincipalandinterest.Annualpercentagerate(APR):Theeffectiverateofinterestforaloan.TheAPRreflectsallthecostsoffinancing-includingpoints,originationfees,andotherfin

4、ancecharges-andisusuallyhigherthantheinterestratealone.Amex(AmericanStockExchange):TherivalNewYorkCurbExchangewasfoundedin1842.It'snamesaiditall:tradingactuallytookplaceonthestreetuntilitmovedindoorsin1921.In1953,theCurbExchangebecametheAmericanStockExchange.Appraisal:Aestimateoropinionofthev

5、alueofapropertybyanimpartialpersonskilledintheanalysisandvaluationofrealestate.Assumableloan:Anexistingloanonapropertythatthesellerisabletopassontotheborrower.BacktoTopBBonds:Maybetax-freeMunicipalBonds,U.S.GovernmentissuedTreasuriesorCorporateBondswhichreflectdebtbytheissuingauthorityinexcha

6、ngeforinterestpaymenttothepurchaser.Bookkeeper:Keepstrackofyourbookkeepingrecords.Inmostcasesyou'llwanta"fullcharge"bookkeeper-onewhocanpaybills,properlycodethem,trackaccountsreceivableandpayable,dopayrollandpreparefinancialstatementsandtaxreturns.Bluechipsstocks:Isatermborrowedfrompoker,wher

7、ethebluechipsarethemostvaluable,andreferstothestocksofthelargest,mostconsistentlyprofitablecorporations.Thelistisn'tofficial-anditdoeschange.Bookvalue:Isthedifferencebetweenthecompany'sassetsandliabilities.Asmallorlowbookvaluefromtoomuchdebt,