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Add You - Financial Definitions; A thru E
Make money on eBay by focusing your energy on finding and buying products to resell. Finding products can be a challenge indeed. While there are many suppliers, most will not carry the specific product(s) of interest. Of those who do have the product(s) that you identified available, many will have set prices that simply make it impossible to make a profit by selling on eBay. Of those who remain, one will emerge as the supplier of choice.Buying products is one of the most critical steps to success. In fact, it may be the most critical step in the eBay sales process. Buying products requires time, research and money. All of the effort is invested to find the right products and solid suppliers of those products.Invest the time and money to ensure you are ready to meet customer sales demands. Nothing is worse than finding a great market niche and hot products within that niche only to find that the supplier you have chosen is not able to meet the demand for products sold.The following is an overview of the process to following as you research and identify the right products for you.• Complete the research to identify your market niche. This is covered in our article How to Make Money Selling on eBay; Getting Started.• Find the right products. Don’t shortcut the research that you do to verify there is a market for the products you wish to sell. If you want to verify that you have a good, viable product/product niche, go to the eBay Home Page at http.//www.ebay.com. At the top of the page there is a SEARCH box. Simply type in the name of the item and you will be directed to the SEARCH RESULT PAGE. Scroll down the page and on the left hand side CLICK the box that says COMPLETED LISTINGS, and then CLICK the button SHOW ITEMS. This takes you to a list of completed auctions. Examine that list for what did and did not sell. (Green sold and Red did not sell.) To examine any item more closely, just CLICK on that item.• Never run out of merchandise. Being unable to provide in-demand products costs you sales and profits. Anticipate customer needs and have options available to meet sales. This may include second and even third product supplier resources. Be sure that you are registered and approved as a buyer with all of the suppliers you plan to utilize. A word of caution: Never advertise items that you are not absolutely positive that you can delivery. Doing so jeopardizes your buyer feedback.• Make a profit. U
Cash Flow - Reported net income of a corporation plus amounts charged off for depreciation, depletion, amortization, and extra-ordinary charges to reserves, which are bookkeeping deductions and not paid out in actual dollars and cents.
Cash Sale - A transaction on the floor of the Stock Exchange that calls for delivery of the securities the same day. In "regular way" trade, the seller is to deliver on the third business day, except for bonds, which are the next day.
Certificate - The actual piece of paper that is evidence of ownership of stock in a corporation. Watermarked paper is finely engraved with delicate etchings to discourage forgery.
Certificate of Deposit (CD) - A money market instrument issued by banks. The time CD is characterized by its set date of maturity and interest rate and its wide acceptance among investors, companies and institutions as a highly negotiable short-term investment vehicle.
Certified Funds Specialist (CFS)- This designation is for financial planners and investment advisors who focus more on investments using mutual funds. The CFS designation indicates advisors who are qualified to consult with clients on the advisability and costs of acquiring or retaining mutual funds in their investment portfolio.
Christian Financial Planner - A financial planner that follows financial wisdom in the Bible for their clients. The Bible has over 2000 verses th
I got a phone call from a magazine writer who was working on a story. Turns out that Stanford University put out a research study looking at what barriers exist for women in the corporate world. They talked to something like 1,000 of their MBA grads - not new grads, but people who went through Stanford over many years - and asked them what was keeping women out of the top ranks of corporations. Here's what they reported:There is no glass ceiling. Women themselves are opting out of the top jobs, for lifestyle reasons or because they don't want the pressure.So, asked the writer, "What do you think about that?"Have you ever heard a person sputter on the phone? That's what I did. I couldn't find words for a moment."Bleeping brilliant!" I said. "That is magnificent - there is no glass ceiling, it's we ourselves who are opting out of senior leadership roles because, you know, there's so much pressure. That's perfect, because companies who accept that wisdom can dismantle their mentoring programs, save the money that they might be spending on their high-potential women, and stop wringing their hands when women in senior roles bail at the next-to-highest rung of the ladder."He laughed, either in sympathy or amusement at my apoplexy, or both. Now mind you, I haven't seen the study, so I'm one degree removed from the conclusions (much less the data), but here's my take on the notion that women opt out of senior leadership spots rather than being kept out of them by their leaders:Yes - we do. We leave. Because of the pressure? Oh, give me a break. Not because of the pressure - because of BS level that comes with the territory.Think about senior-level roles in corporations these days. I don't think that there are more politics in actual politics than there are in major corporations. It's a tough way to live - watching your back, attending to your alliances, spouting the party line and fighting your battles behind the scenes. Generally I stay away from sweeping generalizations about one gender or the other. But I feel comfortable saying this: women have a lower threshold for idiotic, posturing, political, inauthentic behavior, day in and day out. Women have a cognitive dissonance alarm that gets louder and louder day by day so that they finally conclude, "This isn't me. I can't keep doing this. I can't keep my mouth shut, go along, and play the good soldier for one more day, much less another fifteen years until
Accrued Interest - The interest due on a bond since the last interest payment was made. The buyer of the bond pays the market price plus accrued interest.
Acquisition - The acquiring of control of one corporation by another. In "unfriendly" take-over attempts, the potential buying company may offer a price well above current market values, new securities and other inducements to stockholders. The management of the subject company might ask for a better price or try to join up with a third company.
ADR - American Depositary Receipt - a security issued by a U.S. bank in place of the foreign shares held in trust by that bank, thereby facilitating the trading of foreign shares in U.S. markets.
American Stock Exchange (AMEX) - The second largest stock exchange in the United States, located in the financial district of New York City. (Formerly known as the Curb Exchange from its origin on a Manhattan street.)
Amortization - Accounting for expenses or charges as applicable rather than as paid. Includes such practices as depreciation, depletion, write-off of intangibles, prepaid expenses and deferred charges.
Annual Report - The formal financial statement issued yearly by a corporation. The annual report shows assets, liabilities, revenues, expenses, earnings - how the company stood at the close of the business year, how it fared profit-wise during the year and other information of interest to shareowners.
Arbitrage - A technique employed to take advantage of differences in price. If, for example, ABC stock can be bought in New York for $10 a share and sold in London at $10.50, an arbitrageur may simultaneously purchase ABC stock here and sell the same amount in London, making a profit of 50 cents a share, less expenses. Arbitrage may also involve the purchase of rights to subscribe to a security, or the purchase of a convertible security - and the sale at or about the same time of the security obtainable through exercise of the rights or of the security obtainable through conversion.
Assets - Everything a corporation owns or due to it: cash, investments, money due it, materials and inventories, which are called current assets; buildings and machinery, which are known as fixed assets; and patents and goodwill, called intangible assets.
Assignment - Notice to an option writer that an option holder has exercised the option and that the writer will now be required to deliver (receive) under the terms of the contract.
Auction Market - The system of trading securities through brokers or agents on an exchange such as the New York Stock Exchange. Buyers compete with other buyers while sellers compete with other sellers for the most advantageous price.
Averages - Various ways of measuring the trend of securities prices, one of the most popular of which is the Dow Jones average of 30 industrial stocks listed on the New York Stock Exchange. The prices of the 30 stocks are totaled and then divided by a divisor that is intended to compensate for past stock splits and stock dividends and that is changed from time to time. As a result, point changes in the average have only the vaguest relationship to dollar price changes in stocks included in the average.
Balance Sheet - A condensed financial statement showing the nature and amount of a company's assets, liabilities and capital on a given date. In dollar amounts the balance sheet shows what the company owned, what it owed, and the ownership interest in the company of its stockholders.
Basis Point - One gradation on a 100-point scale representing one percent; used especially in expressing variations in the yields of bonds. Fixed income yields vary often and slightly within one percent and the basis point scale easily expresses these changes in hundredths of one percent. For example, the difference between 12.83% and 12.88% is 5 basis points.
Bear - Someone who believes the market will decline.
Bear Market - A declining market.
Bearer Bond - A bond that does not have the owner's name registered on the books of the issuer. Interest and principal, when due, are payable to the holder.
Bid and Asked - Often referred to as a quotation or quote. The bid is the highest price anyone wants to pay for a security at a given time, the asked is the lowest price anyone will take at the same time.
Block - A large holding or transaction of stock - popularly considered to be 10,000 shares or more.
Blue Chip - A company known nationally for the quality and wide acceptance of its products or services, and for its ability to make money and pay dividends.
Blue Sky Laws - A popular name for laws various states have enacted to protect the public against securities frauds. The term is believed to have originated when a judge ruled that a particular stock had about the same value as a patch of blue sky.
Bond - Basically an IOU or promissory note of a corporation, usually issued in multiples of $1,000 or $5,000, although $100 and $500 denominations are not unknown. A bond is evidence of a debt on which the issuing company usually promises to pay the bondholders a specified amount of interest for a specified length of time, and to repay the loan on the expiration date. In every case a bond represents debt - its holder is a creditor of the corporation and not a part owner as is the shareholder.
Book Value - An accounting term. Book value of a stock is determined from a company's records, by adding all assets then deducting all debts and other liabilities, plus the liquidation price of any preferred issues. The sum arrived at is divided by the number of common shares outstanding and the result is book value per common share. Book value of the assets of a company or a security may have little relationship to market value.
Broker - An agent who handles the public's orders to buy and sell securities, commodities or other property. For this service a commission is charged.
Brokers' Loans - Money borrowed by brokers from banks or other brokers for a variety of uses. It may be used by specialists to help finance inventories of stock they deal in; by brokerage firms to finance the underwriting of new issues of corporate and municipal securities; to help finance a firm's own investments; and to help finance the purchase of securities for customers who prefer to use the broker's credit when they buy securities.
Bull - One who believes the market will rise.
Bull Market - An advancing market.
Callable - A bond issue, all or part of which may be redeemed by the issuing corporation under specified conditions before maturity. The term also applies to preferred shares that may be redeemed by the issuing corporation.
Capital Gain or Capital Loss - Profit or loss from the sale of a capital asset. The capital gains provisions of the tax law are complicated. You should consult your tax advisor for specific information.
Capital Stock - All shares representing ownership of a business, including preferred and common.
Capitalization - Total amount of the various securities issued by a corporation. Capitalization may include bonds, debentures, preferred and common stock and surplus. Bonds and debentures are usually carried on the books of the issuing company in terms of their par or face value. Preferred and common shares may be carried in terms of par or stated value. Stated value may be an arbitrary figure decided upon by the director or may represent the amount received by the company from the sale of the securities at the time of issuance.
Cash Flow - Reported net income of a corporation plus amounts charged off for depreciation, depletion, amortization, and extra-ordinary charges to reserves, which are bookkeeping deductions and not paid out in actual dollars and cents.
Cash Sale - A transaction on the floor of the Stock Exchange that calls for delivery of the securities the same day. In "regular way" trade, the seller is to deliver on the third business day, except for bonds, which are the next day.
Certificate - The actual piece of paper that is evidence of ownership of stock in a corporation. Watermarked paper is finely engraved with delicate etchings to discourage forgery.
Certificate of Deposit (CD) - A money market instrument issued by banks. The time CD is characterized by its set date of maturity and interest rate and its wide acceptance among investors, companies and institutions as a highly negotiable short-term investment vehicle.
Certified Funds Specialist (CFS)- This designation is for financial planners and investment advisors who focus more on investments using mutual funds. The CFS designation indicates advisors who are qualified to consult with clients on the advisability and costs of acquiring or retaining mutual funds in their investment portfolio.
Christian Financial Planner - A financial planner that follows financial wisdom in the Bible for their clients. The Bible has over 2000 verses th
For decades, gondola shelving has provided storeowners of all types with durable, affordable and versatile display options. Gondola systems have the ability to fit into almost any retail scenario regardless of merchandise or customer demographic and are available in a myriad of materials, finishes, sizes etc. As a result, selecting the right gondola system has the potential to be pretty overwhelming. Over the course of the next two articles, we will be highlighting the fundamentals of putting together a gondola system that maximizes the potential of your store, fits into your budget, and keeps your customers coming back.Determining a layout is the first step toward making a gondola system work well for your store. The decision to use gondolas vs. slatwall, grid, wood shelving or custom fixtures depends a great deal on what you are selling, who you are selling to and the limitations of your budget. A good rule of thumb is the greater the volume of product, the more gondola shelving you should use. That’s why you see gondola systems used heavily in convenience stores, supermarkets, dollar stores, etc., as these retail situations often require the simultaneous display and storage of many items on the same shelf.Next consider the height of your gondolas. Obviously, the taller the gondola system, the more space you can use to merchandise. Height does have its disadvantages however since taller gondolas decrease customer visibility and lead to a greater theft risk. Taller shelving also requires more customer assistance for issues like hard-to-reach items, which can divert time from both you and your employees. By taking the time to consider such key elements as the volume of your merchandise and available manpower it will be easier to decide on a height configuration that fits your store.The last layout aspect we will discuss is shelf depth. As in considering gondola height, the shelf depth of your gondolas has a lot to do with how much you’re going to be able to merchandise. The overall size of your retail space also comes into question at this point, because the deeper your base shelves, the less room you have for aisles. Aisle depth is an important factor in store design as it affects everything from the traffic flow in your store to your ability to abide by local laws for customers with disabilities. Typical aisle space ranges from 48” to 72” and has much to do with balancing your customer’s comfort level with the de
Assets - Everything a corporation owns or due to it: cash, investments, money due it, materials and inventories, which are called current assets; buildings and machinery, which are known as fixed assets; and patents and goodwill, called intangible assets.
Assignment - Notice to an option writer that an option holder has exercised the option and that the writer will now be required to deliver (receive) under the terms of the contract.
Auction Market - The system of trading securities through brokers or agents on an exchange such as the New York Stock Exchange. Buyers compete with other buyers while sellers compete with other sellers for the most advantageous price.
Averages - Various ways of measuring the trend of securities prices, one of the most popular of which is the Dow Jones average of 30 industrial stocks listed on the New York Stock Exchange. The prices of the 30 stocks are totaled and then divided by a divisor that is intended to compensate for past stock splits and stock dividends and that is changed from time to time. As a result, point changes in the average have only the vaguest relationship to dollar price changes in stocks included in the average.
Balance Sheet - A condensed financial statement showing the nature and amount of a company's assets, liabilities and capital on a given date. In dollar amounts the balance sheet shows what the company owned, what it owed, and the ownership interest in the company of its stockholders.
Basis Point - One gradation on a 100-point scale representing one percent; used especially in expressing variations in the yields of bonds. Fixed income yields vary often and slightly within one percent and the basis point scale easily expresses these changes in hundredths of one percent. For example, the difference between 12.83% and 12.88% is 5 basis points.
Bear - Someone who believes the market will decline.
Bear Market - A declining market.
Bearer Bond - A bond that does not have the owner's name registered on the books of the issuer. Interest and principal, when due, are payable to the holder.
Bid and Asked - Often referred to as a quotation or quote. The bid is the highest price anyone wants to pay for a security at a given time, the asked is the lowest price anyone will take at the same time.
Block - A large holding or transaction of stock - popularly considered to be 10,000 shares or more.
Blue Chip - A company known nationally for the quality and wide acceptance of its products or services, and for its ability to make money and pay dividends.
Blue Sky Laws - A popular name for laws various states have enacted to protect the public against securities frauds. The term is believed to have originated when a judge ruled that a particular stock had about the same value as a patch of blue sky.
Bond - Basically an IOU or promissory note of a corporation, usually issued in multiples of $1,000 or $5,000, although $100 and $500 denominations are not unknown. A bond is evidence of a debt on which the issuing company usually promises to pay the bondholders a specified amount of interest for a specified length of time, and to repay the loan on the expiration date. In every case a bond represents debt - its holder is a creditor of the corporation and not a part owner as is the shareholder.
Book Value - An accounting term. Book value of a stock is determined from a company's records, by adding all assets then deducting all debts and other liabilities, plus the liquidation price of any preferred issues. The sum arrived at is divided by the number of common shares outstanding and the result is book value per common share. Book value of the assets of a company or a security may have little relationship to market value.
Broker - An agent who handles the public's orders to buy and sell securities, commodities or other property. For this service a commission is charged.
Brokers' Loans - Money borrowed by brokers from banks or other brokers for a variety of uses. It may be used by specialists to help finance inventories of stock they deal in; by brokerage firms to finance the underwriting of new issues of corporate and municipal securities; to help finance a firm's own investments; and to help finance the purchase of securities for customers who prefer to use the broker's credit when they buy securities.
Bull - One who believes the market will rise.
Bull Market - An advancing market.
Callable - A bond issue, all or part of which may be redeemed by the issuing corporation under specified conditions before maturity. The term also applies to preferred shares that may be redeemed by the issuing corporation.
Capital Gain or Capital Loss - Profit or loss from the sale of a capital asset. The capital gains provisions of the tax law are complicated. You should consult your tax advisor for specific information.
Capital Stock - All shares representing ownership of a business, including preferred and common.
Capitalization - Total amount of the various securities issued by a corporation. Capitalization may include bonds, debentures, preferred and common stock and surplus. Bonds and debentures are usually carried on the books of the issuing company in terms of their par or face value. Preferred and common shares may be carried in terms of par or stated value. Stated value may be an arbitrary figure decided upon by the director or may represent the amount received by the company from the sale of the securities at the time of issuance.
Cash Flow - Reported net income of a corporation plus amounts charged off for depreciation, depletion, amortization, and extra-ordinary charges to reserves, which are bookkeeping deductions and not paid out in actual dollars and cents.
Cash Sale - A transaction on the floor of the Stock Exchange that calls for delivery of the securities the same day. In "regular way" trade, the seller is to deliver on the third business day, except for bonds, which are the next day.
Certificate - The actual piece of paper that is evidence of ownership of stock in a corporation. Watermarked paper is finely engraved with delicate etchings to discourage forgery.
Certificate of Deposit (CD) - A money market instrument issued by banks. The time CD is characterized by its set date of maturity and interest rate and its wide acceptance among investors, companies and institutions as a highly negotiable short-term investment vehicle.
Certified Funds Specialist (CFS)- This designation is for financial planners and investment advisors who focus more on investments using mutual funds. The CFS designation indicates advisors who are qualified to consult with clients on the advisability and costs of acquiring or retaining mutual funds in their investment portfolio.
Christian Financial Planner - A financial planner that follows financial wisdom in the Bible for their clients. The Bible has over 2000 verses th
Network Marketers are a different breed. We look at business in a manner that confuses most. The status quo in America has been go to school, get a good job, buy a house, retire, and then sell your home and move somewhere warm. This is the 50 year plan. Most of us in network marketing (NM) are on the 5 yr plan. Work your business for 5 years and be financially free. It’s a different mindset. We make telemarketing calls, we go to meeting, and we attend seminars and teleconferences. We work for ourselves by working as a group.We share ideas, tips and marketing strategies. How can we make this system work for us? I have nothing against the traditional system. Many people have done extremely well with it. Look at the multitude of million dollar earners in corporate America. My problem is with the “Glass Ceiling” that truly exists. Without the right connections, the right education, right race, right sex, or even the right look you are out of the loop. Many good people need another system that will work for them. I could go on for days with ten’s of thousands of testimonies of lives dramatically changed by NM. It’s an open system to everyone.A question that comes up all the time is how do I pick the right NM business? This is the million dollar question. Well I have a simple test I use. Now your question might be what makes you such an expert at this? Well let’s say this. I can only share my experience. For the last 20 years I have made and lost money in NM. Mostly lost im sad to say but after learning a few simple truths in the last 2 years I have seen my fortunes turn around.THE SIMPLE FORMULA- Question 1Does the program have a good product? Without a good product you don’t have a business, period! Is it something people want? If it’s not marketable then walk away.- Question 2Is the product at a good and reasonable price? If only a small % of the market can afford it then you might have problems selling it.- Question 3What is the commission structure? Some programs don’t have enough of a price margin to make good money for its members. Remember your time is your most valuable commodity so never sell your time short.- Question 4Is the system duplicable? Can anyone regardless of education + experience run this business? If you must have a special set of skills that most people don’t possess to run this business then it’s not duplicable.
Basis Point - One gradation on a 100-point scale representing one percent; used especially in expressing variations in the yields of bonds. Fixed income yields vary often and slightly within one percent and the basis point scale easily expresses these changes in hundredths of one percent. For example, the difference between 12.83% and 12.88% is 5 basis points.
Bear - Someone who believes the market will decline.
Bear Market - A declining market.
Bearer Bond - A bond that does not have the owner's name registered on the books of the issuer. Interest and principal, when due, are payable to the holder.
Bid and Asked - Often referred to as a quotation or quote. The bid is the highest price anyone wants to pay for a security at a given time, the asked is the lowest price anyone will take at the same time.
Block - A large holding or transaction of stock - popularly considered to be 10,000 shares or more.
Blue Chip - A company known nationally for the quality and wide acceptance of its products or services, and for its ability to make money and pay dividends.
Blue Sky Laws - A popular name for laws various states have enacted to protect the public against securities frauds. The term is believed to have originated when a judge ruled that a particular stock had about the same value as a patch of blue sky.
Bond - Basically an IOU or promissory note of a corporation, usually issued in multiples of $1,000 or $5,000, although $100 and $500 denominations are not unknown. A bond is evidence of a debt on which the issuing company usually promises to pay the bondholders a specified amount of interest for a specified length of time, and to repay the loan on the expiration date. In every case a bond represents debt - its holder is a creditor of the corporation and not a part owner as is the shareholder.
Book Value - An accounting term. Book value of a stock is determined from a company's records, by adding all assets then deducting all debts and other liabilities, plus the liquidation price of any preferred issues. The sum arrived at is divided by the number of common shares outstanding and the result is book value per common share. Book value of the assets of a company or a security may have little relationship to market value.
Broker - An agent who handles the public's orders to buy and sell securities, commodities or other property. For this service a commission is charged.
Brokers' Loans - Money borrowed by brokers from banks or other brokers for a variety of uses. It may be used by specialists to help finance inventories of stock they deal in; by brokerage firms to finance the underwriting of new issues of corporate and municipal securities; to help finance a firm's own investments; and to help finance the purchase of securities for customers who prefer to use the broker's credit when they buy securities.
Bull - One who believes the market will rise.
Bull Market - An advancing market.
Callable - A bond issue, all or part of which may be redeemed by the issuing corporation under specified conditions before maturity. The term also applies to preferred shares that may be redeemed by the issuing corporation.
Capital Gain or Capital Loss - Profit or loss from the sale of a capital asset. The capital gains provisions of the tax law are complicated. You should consult your tax advisor for specific information.
Capital Stock - All shares representing ownership of a business, including preferred and common.
Capitalization - Total amount of the various securities issued by a corporation. Capitalization may include bonds, debentures, preferred and common stock and surplus. Bonds and debentures are usually carried on the books of the issuing company in terms of their par or face value. Preferred and common shares may be carried in terms of par or stated value. Stated value may be an arbitrary figure decided upon by the director or may represent the amount received by the company from the sale of the securities at the time of issuance.
Cash Flow - Reported net income of a corporation plus amounts charged off for depreciation, depletion, amortization, and extra-ordinary charges to reserves, which are bookkeeping deductions and not paid out in actual dollars and cents.
Cash Sale - A transaction on the floor of the Stock Exchange that calls for delivery of the securities the same day. In "regular way" trade, the seller is to deliver on the third business day, except for bonds, which are the next day.
Certificate - The actual piece of paper that is evidence of ownership of stock in a corporation. Watermarked paper is finely engraved with delicate etchings to discourage forgery.
Certificate of Deposit (CD) - A money market instrument issued by banks. The time CD is characterized by its set date of maturity and interest rate and its wide acceptance among investors, companies and institutions as a highly negotiable short-term investment vehicle.
Certified Funds Specialist (CFS)- This designation is for financial planners and investment advisors who focus more on investments using mutual funds. The CFS designation indicates advisors who are qualified to consult with clients on the advisability and costs of acquiring or retaining mutual funds in their investment portfolio.
Christian Financial Planner - A financial planner that follows financial wisdom in the Bible for their clients. The Bible has over 2000 verses th
Podcasting is simply a new way to distribute audio and video files to listeners.Ipod + Broadcasting = PodcastingThe “pod” in podcasting refers to Apple's iPod digital music player, but an Ipod is not needed to listen to podcasts. A podcast can be listened to on any device capable of downloading and playing media files.The most common devices used include ipod’s, other MP3 Players, PDA’s, Cell Phones, and PSP’s. Podcasts can also be listen to directly from your computer or streaming off the internet.Podcasting is not just downloading media files off the web.There’s more to it. Much more.Listeners subscribe to a podcast show. Then special software periodically checks to see if any new podcasts are available. If a new show has been created, the software automatically downloads the audio file to the subscribers PC or directly to a portable media player such as an Apple iPod.In this sense, podcasting is like "Tivo" for internet audio and video. In fact, Tivo now supports Podcasting.Podcasting is quickly becoming a major media force. With stations like ESPN and Disney now publishing podcasts on a regular basis, it won’t be long before it’s mainstream to the public. So who started this monster?Podcasting has evolved to what it is today because of a number of different technologies coming together.Portable media players, MP3’s, RSS 2.0, podcatcher software and the popularity of high speed internet all play a big part in making podcasting possible.Podcasting as we know it today can be traced back to two podfathers.Adam Curry and software developer Dave Winer are credited with developing Podcasting as it’s heard on MP3 players around the world today.Adam Curry developed a program called ipodder that allowed him to automatically download internet radio broadcasts directly on his portable MP3 Player.Dave Winer heavily promoted RSS (Really Simple Syndication), mainly used by bloggers and news-like sites to syndicate their content to RSS-aware programs called news aggregators. Curry and Winer then developed a way to send media files through RSS feeds.So how can you begin podcasting?It’s easy. In the most basic form you have 3 steps.1. Record your audio and convert it to an MP32. Create a simple text file called an RSS 2.0 feed that describes your file3. Upload your MP3 and RSS 2.0 text file to the web.Head over to ation date. In every case a bond represents debt - its holder is a creditor of the corporation and not a part owner as is the shareholder.
Book Value - An accounting term. Book value of a stock is determined from a company's records, by adding all assets then deducting all debts and other liabilities, plus the liquidation price of any preferred issues. The sum arrived at is divided by the number of common shares outstanding and the result is book value per common share. Book value of the assets of a company or a security may have little relationship to market value.
Broker - An agent who handles the public's orders to buy and sell securities, commodities or other property. For this service a commission is charged.
Brokers' Loans - Money borrowed by brokers from banks or other brokers for a variety of uses. It may be used by specialists to help finance inventories of stock they deal in; by brokerage firms to finance the underwriting of new issues of corporate and municipal securities; to help finance a firm's own investments; and to help finance the purchase of securities for customers who prefer to use the broker's credit when they buy securities.
Bull - One who believes the market will rise.
Bull Market - An advancing market.
Callable - A bond issue, all or part of which may be redeemed by the issuing corporation under specified conditions before maturity. The term also applies to preferred shares that may be redeemed by the issuing corporation.
Capital Gain or Capital Loss - Profit or loss from the sale of a capital asset. The capital gains provisions of the tax law are complicated. You should consult your tax advisor for specific information.
Capital Stock - All shares representing ownership of a business, including preferred and common.
Capitalization - Total amount of the various securities issued by a corporation. Capitalization may include bonds, debentures, preferred and common stock and surplus. Bonds and debentures are usually carried on the books of the issuing company in terms of their par or face value. Preferred and common shares may be carried in terms of par or stated value. Stated value may be an arbitrary figure decided upon by the director or may represent the amount received by the company from the sale of the securities at the time of issuance.
Cash Flow - Reported net income of a corporation plus amounts charged off for depreciation, depletion, amortization, and extra-ordinary charges to reserves, which are bookkeeping deductions and not paid out in actual dollars and cents.
Cash Sale - A transaction on the floor of the Stock Exchange that calls for delivery of the securities the same day. In "regular way" trade, the seller is to deliver on the third business day, except for bonds, which are the next day.
Certificate - The actual piece of paper that is evidence of ownership of stock in a corporation. Watermarked paper is finely engraved with delicate etchings to discourage forgery.
Certificate of Deposit (CD) - A money market instrument issued by banks. The time CD is characterized by its set date of maturity and interest rate and its wide acceptance among investors, companies and institutions as a highly negotiable short-term investment vehicle.
Certified Funds Specialist (CFS)- This designation is for financial planners and investment advisors who focus more on investments using mutual funds. The CFS designation indicates advisors who are qualified to consult with clients on the advisability and costs of acquiring or retaining mutual funds in their investment portfolio.
Christian Financial Planner - A financial planner that follows financial wisdom in the Bible for their clients. The Bible has over 2000 verses th
Are you a business, non-profit or association manager who pretty much ignores your organization’s important outside audiences?If that’s you, do you realize how difficult you’re making it to achieve the important behavior changes you really need and want? I mean changes that lead directly to achieving your department, division or subsidiary’s objectives?I’m talking about achieving new levels of membership applications; growing the repeat purchase rate; capital givers looking your way; attracting new prospects; expanding the list of organizations officially specifying your service and products; or suppliers newly motivated to meet your strict quality and delivery requirements.Start operating in your own best interest by taking a closer look at the public relations work underway on behalf of your unit.Is it focused more on communications tactics than upon a workable, comprehensive plan for dealing with those key external audience behaviors that impact your operation the most?What may be needed is a refocus on the fundamental premise of public relations: People act on their own perception of the facts before them, which leads to predictable behaviors about which something can be done. When we create, change or reinforce that opinion by reaching, persuading and moving-to-desired-action the very people whose behaviors affect the organization the most, the public relations mission is accomplished.When you meet with the PR people assigned to your unit, be clear about the need to list and prioritize those key external audiences, and then monitor how your unit is perceived by members of those audiences. That means interacting with those folks and asking lots of questions. Now, and only now, can you mount an effort to alter those perceptions, and thus behaviors, in your direction.You need to evaluate the data gathered during the perception monitoring session. Is there a glaring inaccuracy about your organization mentioned by several members of that audience? Any false assumptions come bubbling up about your products, services or management? Are misconceptions, rumors or distinctly negative attitudes obvious during your monitoring interviews?From these data, you frame your public relations goal. For example, spike that rumor, correct that inaccuracy, clarify that misconception or “we’d better do a better job of communicating our
Cash Flow - Reported net income of a corporation plus amounts charged off for depreciation, depletion, amortization, and extra-ordinary charges to reserves, which are bookkeeping deductions and not paid out in actual dollars and cents.
Cash Sale - A transaction on the floor of the Stock Exchange that calls for delivery of the securities the same day. In "regular way" trade, the seller is to deliver on the third business day, except for bonds, which are the next day.
Certificate - The actual piece of paper that is evidence of ownership of stock in a corporation. Watermarked paper is finely engraved with delicate etchings to discourage forgery.
Certificate of Deposit (CD) - A money market instrument issued by banks. The time CD is characterized by its set date of maturity and interest rate and its wide acceptance among investors, companies and institutions as a highly negotiable short-term investment vehicle.
Certified Funds Specialist (CFS)- This designation is for financial planners and investment advisors who focus more on investments using mutual funds. The CFS designation indicates advisors who are qualified to consult with clients on the advisability and costs of acquiring or retaining mutual funds in their investment portfolio.
Christian Financial Planner - A financial planner that follows financial wisdom in the Bible for their clients. The Bible has over 2000 verses that deal with finances on subjects such as: budgeting, planning, saving, eliminating debt, investing and inheritance.
CFTC - The Commodity Futures Trading Commission, created by Congress in 1974 to regulate exchange trading in futures.
Collateral - Securities or other property pledged by a borrower to secure repayment of a loan.
Commercial Paper - Debt instruments issued by companies to meet short-term financing needs.
Commission - The broker's basic fee for purchasing or selling securities or property as an agent.
Commission Broker - An agent who executes the public's orders for the purchase or sale of securities or commodities.
Common Stock - Securities that represent an ownership interest in a corporation. If the company has also issued preferred stock, both common and preferred have ownership rights. Common stockholders assume the greater risk, but generally exercise the greater control and may gain the greater award in the form of dividends and capital appreciation. The terms common stock and capital stock are often used interchangeably when the company has no preferred stock.
Competitive Trader - A member of the Exchange who trades in stocks on the Floor for an account in which there is an interest. Also known as a Registered Trader.
Conglomerate - A corporation that has diversified its operations usually by acquiring enterprises in widely varied industries.
Consolidated Balance Sheet - A balance sheet showing the financial condition of a corporation and its subsidiaries.
Consolidated Tape - The ticker tape reporting transactions in NYSE listed securities that take place on the NYSE or any of the participating regional stock exchanges and other markets. Similarly, transactions in AMEX listed securities, and certain other securities listed on regional stock exchanges, are reported on a separate tape.
Convertible - A bond, debenture or preferred share that may be exchanged by the owner for common stock or another security, usually of the same company, in accordance with the terms of the issue.
Correspondent - A securities firm, bank or other financial organization that regularly performs services for another in a place or market to which the other does not have direct access. Securities firms may have correspondents in foreign countries or on exchanges of which they are not members. Correspondents are frequently linked by private wires. Member organizations of the NYSE with offices in New York City may also act as correspondents for out-of-town member organizations that do not maintain New York City offices.
Coupon Bond - Bond with interest coupons attached. The coupons are clipped as they come due and presented by the holder for payment of interest.
Covered Option - An option position that is offset by an equal and opposite position in the underlying security.
Crown Financial Ministries - A Christian ministry started by Larry Burkett and Howard Dayton to help equip Christians become better financial stewards. They offer help in Biblical financial management such as: budgeting, debt elimination, saving, investing and inheritance.
Cumulative Preferred - A stock having a provision that if one or more dividends are omitted, the omitted dividends must be paid before dividends may be paid on the company's common stock.
Cumulative Voting - A method of voting for corporate directors that enables the shareholders to multiply the number of their shares by the number of directorships being voted on and to cast the total for one director or a selected group of directors. A 10-share holder normally casts 10 votes for each of, say 12 nominees to the board of directors. One thus has 120 votes. Under the cumulative voting principle, one may do that or may cast 120 (10 x 12) votes for only one nominee, 60 for two, 40 for three, or any other distribution one chooses. Cumulative voting is required under the corporate laws of some states and is permitted in most others.
Current Assets - Those assets of a company that are reasonably expected to be realized in cash, sold or consumed during one year. These include cash, U.S. Government bonds, receivables and money due usually within one year, and inventories.
Current Liabilities - Money owed and payable by a company, usually within one year.
Day Order - An order to buy or sell which, if not executed, expires at the end of trading day on which it was entered.
Dealer - An individual or firm in the securities business who buys and sells stocks and bonds as a principal rather than as an agent. The dealer's profit or loss is the difference between the price paid and the price received for the same security. The dealer's confirmation must disclose to the customer that the principal has been acted upon. The same individual or firm may function, at different times, either as a broker or dealer.
Debenture - A promissory note backed by the general credit of a company and usually not secured by a mortgage or lien on any specific property.
Debit Balance - In a customer's margin account, that portion of the purchase price of stock, bonds or commodities that is covered by credit extended by the broker to the margin customer.
Delayed Opening - The postponement of trading of an issue on a stock exchange beyond the normal opening of a day's trading because of market conditions that have been judged by exchange officials to warrant such a delay. Reasons for the delay might be an influx of either buy or sell orders, an imbalance of buyers and sellers, or pending corporate news that requires time for dissemination.
Depository Trust Company (DTC) - A central securities certificate depository through which members effect security deliveries between each other via computerized bookkeeping entries thereby reducing the physical movement of stock certificates.
Depreciation - Normally, charges against earnings to write off the cost, less salvage value, of an asset over its estimated useful life. It is a bookkeeping entry and does not represent any cash outlay nor are any funds earmarked for the purpose.
Director - Person elected by shareholders to serve on the Board of Directors. The directors appoint the president, vice presidents, and all other operating officers. Directors decide, among other matters, if and when dividends shall be paid.
Discount - The amount by which a preferred stock or bond may sell below its par value. Also used as a verb to mean "takes into account" as the price of the stock has discounted the expected dividend cut.
Discretionary Account - An account in which the customer gives the broker or someone else discretion to buy and sell securities or commodities, including selection, timing, amount, and price to be paid or received.
Diversification - Spreading investments among different types of securities and various companies in different fields.
Dividend - The payment designated by the Board of Directors to be distributed pro rata among the shares outstanding. On preferred shares, it is generally a fixed amount. On common shares, the dividend varies with the fortunes of the company and the amount of cash on hand, and may be omitted if business is poor or the directors determine to withhold earnings to invest in plant and equipment. Sometimes a company will pay a dividend out of past earnings even if it is not currently operating at a profit.
Dollar Cost Averaging - A system of buying securities at regular intervals with a fixed
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