Genmath Q2

• STOCKS


  are called shares that a company sold to an individual or company.
• stocks certificate


  serve as proof of ownership indicating the number of shares of stocks he/she owns.
• stockholder


  the buyer of the stocks is called ?
• highest bidder


  Stocks or bonds may be sold to the?
• premium


  stocks or bonds bought at face or par value and sold at a higher price than the par value are called?
• discount


  if a stock is bought at lower value it is called?
• Broker


  who earns thru commission on the trading
• DIVIDEND


  - a company's profit that is distributed to the shareholders
• COUPON


  - the interest rate paid periodically
• SHAREHOLDERS


  - a person who owns a share of stocks
• PAR VALUE AND DENOMINATION


  - a bond's face value, is the price assigned by the

  issuer acting as the principal amount in determining its value over time.
• BROKER


  - a person or firm who arranges transactions between a buyer and a seller for a commission when the deal is execute
• DIVIDEND IN ARREARS


  - unpaid dividends at the end of the period, rather it accumulates from period to period
• DIVIDEND PER SHARE


  - the amount of dividends the shareholder received on per share-basis
• 1. SMALL-CAP STOCK


  - usually in small/growing companies since it has a smallest value in the market
• 2. MID-CAP STOCK


  - usually in fairly established companies since it has average value in the market (Robinsons, Security Bank)
• 3. LARGE-CAP STOCK


  usually in well-established companies since it has the biggest value in the market (SM, AYALA, JOLLIBEE)
• 1. INCOME STOCK


  - also known as dividend-yield or dog stock. It gives higher dividend to the investors (PLDT)
• 2. GROWTH STOCK


  - did not offer a high dividend in order to reinvest their money (AYALA)
• 1. BLUE-CHIP STOCK


  -stocks which is considered as stable since well-established company with stable earnings
• 2. BETA STOCK


  - this measures the risk. The higher the beta,

  the riskier it is
• 1. CYNICAL STOCK


  - this kind of stock relies on economic trends
• 2. DEFENSIVE STOCK


  - issued by the company that is not affected by the economy (necessity like foods)
• 1. PREFERRED STOCK


  - the investor has the first rights over the common shareholders to the dividends and assets
• 2. COMMON STOCK


  - the investor has the voting rights and shares straightly in the business
• BOND


  - is a written promise to pay a sum of money together with the interest on the specified date.
• par or face value.


  The amount which the bond is bought is called?
• bondholder, stockholder


  In case of bankruptcy, the ? has the first claim on the assets over the ? .
• GOVERNMENT BONDS


  - The principal amount of this bond is returned in full plus the interest when it reaches maturity
• GOVERNMENT BONDS


  - bond issued by the national government.
• MUNICIPAL STOCKS


  - bonds issued by local government that fund local projects
• CORPORATE STOCKS


  - bonds issued by companies to raise money for various reasons.
• CORPORATE STOCKS


  - It is more risky than government stock
• MORTGAGE BONDS


  - locked in the pledge of particular assets
• LOANS


  - provide funds to finance certain purchases, investment or expansion

  - It is useful to fully understand its terms and conditions especially the mode of payment
• consumer loans


  - This kind of loan is intended for personal, individual or families.

  - Appliances, housing and vehicular purchases are examples of this loan.
• 1. BUSINESS LOANS


  - This kind of loan is intended for business purposes.

  - Several loans such as mezzanine financing, asset-based financing and invoice financing are some of the kinds of this loan.
• 1. MORTGAGE


  - It is a very common type of debt instrument, used by many individuals to purchase housing.
• 2. STUDENT LOAN


  - It is a loan provided to students to help defray the costs of college education
• 3. PERSONAL LOAN


  - Also known as signature loan, it is a loan granted to an individual