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All topics;

T + 3 - regular way settlement, trade date plus three business days;

cooling off period - a minimum 20-day period that starts after the registration statement is filed. No sales or advertising allowed during this period, which lasts until the effective or release date.;

user fees - also known as "user charges";

fully registered - also known as "book/journal entry";

AUM - Assets under management;

Assets under management - AUM;

Quant Funds - The custom-built indexes for these funds use numerical methods like quantitative analysis or algorithms to select the fund's investments.;

Negligence - failure to exercise reasonable consideration resulting in loss or damage to oneself or others.;

proxy - The delegation of voting rights from one person to another;

2%, 20%;

EuroDollars - • Dollar-denominated deposits at foreign banks or foreign branches of American banks.;

Exercise or strike Price - To purchase an asset for a specified price;

real assets - assets used to produce goods and services;

Consumption smoothing - Way in which people try to optimize their lifetime standard of living by ensuring a proper balance of spending and saving;

Sarbanes-Oxley act - Act that protects investors from possibility of fraudulent accounting activity;

dealer markets - markets in which traders specializing in particular assets buy and sell for their own accounts;

auction market - a market where all traders meet at one place to buy or sell an asset;

inside information, major owners, or other individuals with privileged access to information about the firm - nonpublic knowledge about a corporation possessed by corporate officers;

Holding-Period Return (HPR) - rate of return over a given investment period;

Arithmetic Average - the sum of returns of each period divided by the number of periods;

Geometric Average - the single per-period return that gives the same cumulative performance as the sequence of actual returns;

Probability Distribution - list of possible outcomes with associated probabilities (scen. anal.);

Left Skewed - tail is to the left, mean is on the left, Median is on the right side of the mean;

Right Skewed - tail is to the right. Median is on the left side of the mean;

Skew - measure of the asymmetry of a probability distribution;

Broad evidence rule - means that the determination of ACV should include all relevant factors an expert would use to determine the value of the property;

Offer and acceptance - of the terms of the contract;

Consideration - the value that each party gives to the other;

Aleatory - values exchanged are not equal and relies on a specific event;

Dependency Period - is the period until the youngest child reaches age 18;

Open Competition - No filing needed (minority of states);

Reasons for Insolvency - Inadequate Rates, Inadequate reserves, rapid growth and inadequate surplus, alleged fraud, mismanagement, catastrophic losses.;

Maximum possible loss - The worst loss that could happen to the firm during its lifetime;

Probable maximum loss - The worst loss that is likely to happen;

Subjective Probability - The individual's personal estimate of the chance of loss;

Direct loss - A financial loss that results from the physical damage destruction theft of the property Fire damage to a home;

Indirect or Consequential Loss - An indirect loss is a financial loss that results indirectly from the occurrence of a direct physical damage or theft loss additional living expenses after a fire;

Loss of Business Income - Used to describe the loss of business Income after a large loss, i.e. lost income after a tornado. (Caterpillar).;

Separation (Loss Reduction) - minimize the financial loss from a SINGLE EVENT. Example: manufacturer may store finished goods in TWO warehouses in DIFFERENT CITIES. If one is damaged, then they can go to other warehouse;

Accidental and Unintentional Loss - to assume random occurrence of events;

Determinable and Measurable Loss - to determine how much should be paid;

The locations of the five regional exchanges - Boston, Chicago, Cincinnati, Pacific, Philadelphia;

Specialists work for… - The exchange;

The source of profit for market makers - Bid/Ask Spread;

Settlement date for cash - Same day;

Nominal yield - Stated yield;

Current yield - Nominal yield adjusted for price fluctuations;

Market on open orders - Executed at market open;

Market on close orders - Executed at market close;

Fill or kill - Order must be executed at full or terminated;

Immediate or Cancel - All of the order must be executed immediately and any part that cannot be filled is cancelled;

All or none - Similar to fill or kill but it must be executed immedietely;

Good till cancelled - Orders are in place until cancelled or filled;

Savings - What is left after expenditures in disposable income;

10-K - Yearly Results;

10-Q - Quarterly Results;

Forms 3, 4, and 5 - Insider transactions;

Yield curve - Curve that measures the amount of yield at each maturity;

Measure a closed ended fund's price is based on - Supply and demand;

Pig market - Speculative and blind mania;

Purpose of a company - Take capital from investors and return a profit;

Return on investment - Profits/Amount invested;

DEF 14a - Document containing information on the board of directors;

8-K - Document containing information on earnings;

Current Assets - Assets that are expected to be disposed of in a year or less;

Noncurrent Assets - Assets that are expected to be disposed of in more than a year;

Current Liabilities - Liabilities that are expected to be disposed of in a year or less;

Noncurrent Liabilities - Liabilities that are expected to be disposed of in more than a year;

Three parts of the cash flow statement - Operating cash flow, investment cash flow, and financing cash;

Operating cash flow - Cash flow from or to company operations, sales, etc;

Investment cash flow - Cash flow from or to investment in other companies, land, factories, etc;

Fund family - A group of funds managed by the same company (Vanguard, Fidelity, T Rowe Price);

Supermarkets - No transaction fee networks that make it easy for individual investors to invest in funds, they charge fees to funds;

Expense ratio - Ratio of total fees and assets under management;

Present value - Current worth of a stream of cash flows;

Leverage - Method in which investors can amplify gains by borrowing additional funds;

Market manipulation - When a person gives false information to the market thereby manipulating it;

Market abuse - When investors use information not publicly available, use false information, manipulate the market in any other way;

T + 3 - regular way settlement, trade date plus three business days;

cooling off period - a minimum 20-day period that starts after the registration statement is filed. No sales or advertising allowed during this period, which lasts until the effective or release date.;

purchaser representative - someone independent of the issuer in a private placement who can represent the needs of a non-accredited investor;

user fees - also known as "user charges";

fully registered - also known as "book/journal entry";

403b - nonprofit employee;

Letter of last instruction - stating the location of important documents, safe deposit keys, and bank accounts and specifying your funeral arrangements;

Appraiser - Someone trained to estimate the value of property and who can give an official report on the value;

Appreciation - A general increase in the value of property that occurs over time;

Capital Loss - The result of an investment being sold for less than its original cost;

Condominium - An individually owned housing unit in an apartment-like complex;

Current Income - Income for current living expense;

Upkeep - Maintaining your property in good condition;

Professionally managed collective investment funds - Open Ended Investment Companies;

List 3 Types of Financial Statements - Balance Sheet, Income Statement, and Cash Flow Statement;

A statement of the assets, liabilities, and capital of a business or other organization at a particular point in time, detailing the balance of income and expenditure over the preceding period - Balance Sheet;

A financial statement that reports a company's financial performance over a specific accounting period - Income Statement;

A financial statement that shows how changes in balance sheet accounts and income affect cash and cash equivalents - Cash Flow Statement;

1040NR short version - 1040NR-EZ;

d. discount rate - c. prime rate _________ is an incident in which sensitive, protected or confidential data has potentially been viewed, stolen or used by an individual unauthorized to do so. a. data breach b. data base c. financial data;

d. state representative - c. executor the financial services and markets act was passed in 2000 by the a. france b. s c. mexico;