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While I been a Fatwalleter for a while, I almost always exclusively looked at "Hot Deals" (I think I looked in Grocery Coupons a couple times). The other day I was bored, and happened to click on "Finance" tab. So far I am very impressed.

One thing that stumbles me is the number of finance acronyms. LIBOR, ACH, etc are difficult to decypher when you don't know what they mean. I searched for "acronyms" but got "nothing found"

At first I was suprised that there isn't an acronym list already. But as I thought about it, I suppose I understand the psychology behind it. People (like me, newbies) are highly motivated on having one compiled and created for the betterment of all. However, once you know what it means, that motivation drops to zero, or at least this is my most probable reason why there isn't one.

I suppose if y'all kind people wanna post here/PM me acronym meanings i'd gladly compile them into one, and put them in this post.

Here is the start in alphabetical order:

===== # ======
10-K - A report similar to the annual report, except that it contains more detailed information about the company’s business, finances, and management. It also includes the bylaws of the company, other legal documents, and information about any lawsuits in which the company is involved. All publicly tradecompanies are required to file a 10-K report each year to the SEC. (definition provided by investorwords.com)
10-Q - Unaudited document required by the SEC for all U.S. public companies, reporting the financial results for the quarter and noting any significant changes or events in the quarter. Quarterly reports contain financial statements, a discussion from the management, and a list of "material events" that have occurred with the company (such as a stock split or acquisition). Also known as 'quarterly report'. (definition provided by investorwords.com)
1099 - IRS form for reporting annual principle and interest income to investors.
1040 - U.S. Individual Income Tax Return form; variations are 1040A and 1040EZ.
401(k) - A deferred compensation plan set up by an employer.
403(b) - A deferred compensation plan similar to a 401(k) except that they are offered by non-profit organizations.
5 C's of credit - The five key elements a borrower should have to obtain credit: character (integrity), capacity (sufficient cash flow to service the obligation), capital (net worth), collateral (assets to secure the debt), and conditions (of the borrower and the overall economy). (credits to investorwords.com for definition)

===== A ======
ABA - American Banking Association
ABA number - This is the number appearing on the bottom of a check, starting at the left-hand
corner that was assigned to the issuing bank by the American Banking Association, it's also known as a 'routing number'.
ABS - agency backed security
ACAT[/] - Automated Customer Account Transfer. ACAT is for a whole account transfer and can be initiated at the receiving firm. Usually takes from 5-10 business days for the transfer.
ACH - Automated Clearing House (Network.) The ACH Network is a highly reliable and efficient nationwide batch-oriented electronic funds transfer system governed by the NACHA OPERATING RULES which provide for the interbank clearing of electronic payments for participating depository financial institutions. The Federal Reserve and Electronic Payments Network act as ACH Operators, central clearing facilities through which financial institutions transmit or receive ACH entries.
ACH payments include:
-Direct Deposit of payroll, Social Security and other government benefits, and tax refunds;
-Direct Payment of consumer bills such as mortgages, loans, utility bills and insurance premiums;
-Business-to-business payments;
-E-checks;
-E-commerce payments;
-Federal, state and local tax payments. (From http://www.nacha.org/About/what_is_ach_.htm
ADR - American Depository Receipt
AFAIK - As far as I know
AGI - Adjusted Gross Income
AKA - Also Known As
AMEX - American Stock Exchange or American Express
APR - Annual Percentage Rate (a standardization mechanism to allow consumers to compare true cost of borrowing, since the "main" rates of financial entities--FEs-- are defined by said FEs and are wildly inconsistent from one FE to another)
APT - Arbitrage Pricing Theory
APY - Annual percentage yield - The effective annual return. "The APY is calculated by taking one plus the periodic rate raised to the number of periods in a year. For example, a 1% per month rate would offer an APY of 12.68%." (credits to investorwords.com for that definition)
AR - After Rebate
ARM - Adjustable Rate Mortgage
ASAP - As soon as possible
ASCII - American Standard Code for Information Interchange - used to identify a standard text file that can be easily exchanged among different programs.
ATM - Automated Teller Machine

===== B ======
B&M - Brick & Mortar
B2B - Business-to-Business commerce
B2C - Business-to-Consumer commerce
BB - BestBuy
BBB - Better Business Bureau
BK - bankruptcy
BOT - Back on Topic
BT - Balance Transfer. Short-hand for 0% APR BT. Free money, but only if you pay off completely before the honeymoon is over. Remember to factor in 2% minimum monthly payments of the balance, as a rule.
BTW - By the way
BVG - Best Value Guarantee

===== C ======
CAPM - Capital Asset Pricing Model
CBO - Collateralized Bond Obligation
CBOT - Chicago Board of Trade
CC - Credit Card. A path to financial hell, or one paved with rebates. You decide. ALSO, Circuit City.
CD - Certificate of Deposit
CDO - collateralized debt obligation
CLO - collateralized loan obligation
CFP - Certified Financial Planner
CLTV - Combined LTV - same as above, but takes into account ALL loans on the property (1sts and 2nds). So if your house worth $100k has a $80k 1st mortgage and $10k HELOC2nd, your CLTV is 90%.
CLU - Chartered Life Underwriter
CME - Chicago Mercantile Exchange
CMO - Collateralized Mortgage Obligation
COA - Certificate of Occupancy
COBRA - A health insurance plan which allows an employee who leaves a company to continue to be covered under the company's health plan, for a certain time period and under certain conditions. The name results from the fact that the program was created under the Consolidated Omnibus Reconciliation Act. The system is designed to prevent employees who are between jobs from experiencing a lapse in coverage. (definition from investorwords.com)
COF - Cost of Funds
COLA - Cost of Living Adjustment
CPA - Certified Public Accountant
CPI - Consumer Price Index
CRA - Credit Reporting Agency (the big three national consumer credit reporting repositories are Trans Union, Equifax and Experian)
CSR - Customer Service Representative
CU - Credit Union. A place to go to get out of the fees. Sometimes also cheap HELOC/HEL/Car Loans.
CUSIP number - A nine-character number that uniquely identifies a particular security. CUSIP is an acronym for the Committee on Uniform Securities and Identification Procedures, the standards body which created and maintains the classification system. Foreign securities have a similar number, called the CINS number. (credit to investorwords.com for this definition)

===== D ======
D&B or DNB - Dun & Bradstreet - a provider of business to business credit information
DAMHIKT Dont ask me how I know this
DBA - Doing business as
DCA - Dollar Cost Averaging
DDA - Demand deposit account (aka checking)
DH - Dear Husband. For the purposes of this forum its also user DaveHanson
DILOF - Deed in Lieu of Foreclosure
DJIA - Dow Jones Industrial Average
DPP - Direct Purchase Plan
DRIP - Dividend Reinvestment Plan
DTC - Depository Trust Company. DTC is used for specific security transfer, though it can also be used to transfer a whole account. DTC transfers are initiated at the sending firm. Smaller brokerages have only DTC (e.g. buyandhold.com).
D-U-N-S Number - Dun & Bradstreet's Data Universal Numbering System. A unique nine-digit code issued by D&B that has become a standard for identifying business globally.

===== E ======
EAFE - The European, Australian, and Far East stock index, computed by Morgan Stanley
EFT - Electronic Funds Transfer
EPS - Earnings Per Share
EQ - Equifax
ERISA - Employee Retirement Income Security Act of 1974, federal law which established legal guidelines for private pension plan administration and investment practices.
ESOP - Employee Stock Option Plan
ESPP - Employee Stock Purchase Plan
EX - Experian

===== F ======
FAKO of FAKO score - a credit score supplied by a credit reporting company using proprietary scoring criteria rather than the FICO algorithms
FAQ - Frequently Asked Questions
FAR - Free After Rebate
FCC - Federal Communications Commission
FCRA - Fair Credit Reporting Act
FDIC - Federal Deposit Insurance Corporation
Fed - The 7-member Board of Governors that oversees Federal Reserve Banks, establishes monetary policy (interest rates, credit, etc.), and monitors the economic health of the country. Its members are appointed by the President subject to Senate confirmation, and serve 14-year terms. also called the Federal Reserve Board. (definition from investwords.com)
FHA - Federal Housing Administration
FHLMC - Federal Home Loan Mortgage Corporation - aka Freddie Mac
FICA - Federal Insurance Contributions Act (aka social security)
FICO or FICO score - a credit score based on scoring algorithms developed by Fair Isaac Credit Organization
FIFO - First in first out
FKA - Formerly Known As
FNMA - Federal National Mortgage Association - aka Fannie Mae
FREIT - Finite-life Real Estate Investment Trust (see also REIT)
Freddie mac - Federal Home Loan Mortgage Corporation
FRM - Fixed Rate Mortgage
FTC - Federal Trade Commission
FW - FatWallet
FWIW - For What It's Worth
FYI - For Your Information

===== G ======
GDP - Gross Domestic Product
GEM - Growing Equity Mortgage
GIC - Guaranteed Investment Contract
GIGO - Garbage In, Garbage Out
GNP - Gross National Product
GNMA - Government National Mortgage Association - aka Ginnie Mae
GPM - Graduated-Payment Mortgage
GTC - Good 'til Cancelled

===== H ======
HEL - Home Equity Loan. A fixed interest rate loan secured with your home as collateral. At least circa late 2003, they are typically free of closing costs, and tend to be short duration - 3 to 6 years.
HELOC - Home equity line of credit, essentially money you can borrow from a lender secured by the equity in your home. It's a line of credit though, so you borrow as much as you need, and pay it down when you can. Think of it as a credit card with no grace period.
HMO - Health Maintenance Organization
HOA - Home Owners Association
HOH - Head of household
HTH - Hope this helps
HTPC - Home Theater PC
HUD - Department of Housing and Urban Development

===== I ======
IDA - Investment deposit account (aka savings)
IIRC - If I remember correctly
IME - in my experience
IMHO - in my humble opinion
IMF - International Monetary Fund
IMO - in my opinion
ING - Internationale Nederlanden Group
IOLA - Interest on Lawyer Account
IPO - Initial Public Offering
IRA - Individual Retirement Account
IRS - Internal Revenue Service (if you had to look this up, you are in big trouble-Ed.)
IUD - Insert usual disclaimers

===== L ======
LIBOR - London Interbank Offered Rate. "LIBOR is the most widely used benchmark or reference rate for short term interest rates. It is compiled by the BBA and released to the market at about 11.00 each day. LIBOR stands for the London Interbank Offered Rate and is the rate of interest at which banks borrow funds from other banks, in marketable size, in the London interbank market." (From http://www.bba.org.uk/public/libor/ )
LIFO - Last in first out
LMAO - Laugh my a__(a.k.a. donkey) off
LOL - Laugh out loud
LTV - Loan-To Value. A percentage of the loan amount compared to the value of your home. A home worth $100k that has a $80k loan has a 80%LTV.

===== M ======
M0 - Amount of coins and paper currency in circulation
M1 = M0 + checking account balances
M2 = M1 + savings account balances+money market mutual funds owne by public (not CDs or other longterm savings though)
M3 = M2 + CDs and other long term cash investments + S&L + CU
MBA - Master of Business Administration
MBS - Mortgage Backed Security

===== N ======
NAIC - National Association of Investors Corporation (investment club organization)
NASD - National Association of Securities Dealers
Nasdaq - A computerized system established by the NASD to facilitate trading by providing broker/dealers with current bid and ask price quotes on over-the-counter stocks and some listed stocks. (definition from investorwords.com)
NAV - Net Asset Value
NCUA - National Credit Union Administration
NCUSIF - National Credit Union Share Insurance Fund
NSF - Non Sufficient Funds
NYSE - New York Stock Exchange

===== O ======
OD - Office Depot
OM - Office Max
OP - original poster and/or original post
OPM - other people's money
OT - Off Topic
OTOH - on the other hand

===== P ======
P&I - Principal and Interest
PDA - Personal Digital Assistant
PE - as in ratio - Price to Earnings ratio
PIN - Personal Identification Number
PITA Pain in the A__(a.k.a. donkey)
PITI - Principal, Interest, Taxes and Insurance
PM - private message, ALSO price match
PMI - Private Mortgage Insurance
PPI - Producer Price Index
PPO - Preferred Provider Organization
PUD - Planned Unit Development

===== Q ======
QIF - Quicken Interchange Format, a non-propietary text file format that is used by many financial institutions and financial programs for importing/exporting data.
QQQ - The Nasdaq 100 Index trading stock

===== R ======
REIT - Real Estate Investment Trust
REO - Real Estate Owned
RIA - Registered Investment Advisor
ROA - Return on Assets
ROE - Return On Equity
ROI - Return on Investment
ROTA - Return on Total Assets
ROTFL - Rolling on the floor laughing
ROTFLMAO - Rolling on the floor, laughing my a__(a.k.a. donkey) off
Rule of 72 - An estimation of the amount of time it will take to double one's invsestment at a given rate of return. The rule states that you divide the compound return into 72 and the result is the approximate number of years it will take for the investment to double. Also known as the '72 rule'.

===== S ======
S&L - Savings & Loan
S&P - Standard & Poors
S&P 500 - S&P's most popular stock index
SB - Savings Bond
SBA - Small Business Administration
SEC - Securities and Exchange Commission
SEP - A retirement program for self-employed people or owners of companies with less than 25 employees
SLMA - Student Loan Marketing Association - aka Sallie Mae
SWMBO - She who must be obeyed

===== T ======
TCB - Taking care of business
TIA - Thanks in advance
TIPS - Treasury Inflation-Protected Securities
TSA - Tax Sheltered Annuity
TU - Trans Union

===== U ======
UGMA - Uniform Gift to Minors Act
UIT - Unit Investment Trust
UW - Underwriter

===== V ======
VAT- Value Added Tax

===== W ======
WTNY - Wait 'til Next Year
WK - www.worthknowing.com
WSJ - Wall Street Journal
WTFITDITF - What the F... is this doing in this forum
WYSIWYG - What You See Is What You Get

===== Y ======
YAOTM - Yet Another Off-Topic Message
YMMV - Your Mileage May Vary
YTD - Year-to-date
YWSYLS - You win some, you lose some

Excellent idea.

LIBOR = London Interbank Offered Rate. "LIBOR is the most widely used benchmark or reference rate for short term interest rates. It is compiled by the BBA and released to the market at about 11.00 each day. LIBOR stands for the London Interbank Offered Rate and is the rate of interest at which banks borrow funds from other banks, in marketable size, in the London interbank market." (From http://www.bba.org.uk/public/libor/ )


ACH = Automated Clearing House (Network.) The ACH Network is a highly reliable and efficient nationwide batch-oriented electronic funds transfer system governed by the NACHA OPERATING RULES which provide for the interbank clearing of electronic payments for participating depository financial institutions. The Federal Reserve and Electronic Payments Network act as ACH Operators, central clearing facilities through which financial institutions transmit or receive ACH entries.

ACH payments include:

Direct Deposit of payroll, Social Security and other government benefits, and tax refunds;
Direct Payment of consumer bills such as mortgages, loans, utility bills and insurance premiums;
Business-to-business payments;
E-checks;
E-commerce payments;
Federal, state and local tax payments. (From http://www.nacha.org/About/what_is_ach_.htm

I've always wondered what 'DH' (as in "my DH" means when used in Finance threads.

HELOC - Home equity line of credit, essentially money you can borrow from a lender secured by the equity in your home. It's a line of credit though, so you borrow as much as you need, and pay it down when you can. Think of it as a credit card with no grace period.

Edit: LOC=Line of Credit, same idea, just not backed by your house

zender said:

<< I've always wondered what 'DH' (as in "my DH" means when used in Finance threads. >>


Dear Husband

zender said:

<< I've always wondered what 'DH' (as in "my DH" means when used in Finance threads. >>



Me too. Anyone?

Thanks - I'm just glad the "D" didn't stand for "dumb" or "dipshoot".

could be d@mn husband as well, depending on the thread...it's a girl thing...guys never say DW

TruthTeller said:

<< zender said:

<< I've always wondered what 'DH' (as in "my DH" means when used in Finance threads. >>


Dear Husband
>>

Thanks TT, I will rest easier tonight. I couldn't get 'my Dave Hanson' out of mind - weird.

Actually, some men do say DW and are refering to DW.

Different strokes for different folks.

Sue

How about this: WTFITDITF?

What The F Is This Doing In This Forum?

I am wondering, WHY is this in the FINANCE Forum? This is not a FINANCE deal.

EJMcNick said:

<< I am wondering, WHY is this in the FINANCE Forum? This is not a FINANCE deal. >>



OT (but then what IS the topic anyway) but there is a perception that this is a FINANCE forum as opposed to a FINANCE DEALS forum. It was only after I'd been here a little while and seen all the WTFITDITF <img src="i/expressions/face-icon-small-smile.gif"border=0> that I realized how this forum started and what it was really for. Maybe the moderators should create a separate forum for finance deals and another one for the "I just did something stupid with my money now what do I do" types of posts...

Oh, and so I am not completely OT...

OT = Off Topic

"Maybe the moderators should create a separate forum for finance deals and another one for the "I just did something stupid with my money now what do I do" types of posts"

It was done, and vocally requested to be undone by the denizens of this forum.

HEL:Home Equity Loan. A fixed interest rate loan secured with your home as collateral. At least circa late 2003, they are typically free of closing costs, and tend to be short duration - 3 to 6 years.

CU:Credit Union. A place to go to get out of the fees. Sometimes also cheap HELOC/HEL/Car Loans.

CC:Credit Card. A path to financial hell, or one paved with rebates. You decide.

BT:Balance Transfer. Short-hand for 0% APR BT. Free money, but only if you pay off completely before the honeymoon is over. Remember to factor in 2% minimum monthly payments of the balance, as a rule.

FE = ?

Some the "dating" review sites I read use unusual acronyms. Can anyone identify:
DATY
GFE
PSE
BBBJTC
DATO
DFK

in this forum, "DH" usually refers to user DaveHanson, though in most forums, it means dear husband...

GFE is usually used on hooker sites... "Girl Friend Experience".

SUCKISSTAPLES said:

<< in this forum, "DH" usually refers to user DaveHanson, though in most forums, it means dear husband... >>

My post referred to the 'my DH' messages, which I think are probably of the 'Dear Husband' variety.

zender said:

<< I've always wondered what 'DH' (as in "my DH" means when used in Finance threads. >>



After months of wondering what the D stood for in DH, DW, DS, and blah blah I've seen in a lot of the forums I visit - I now know! I should have asked myself, but being lazy, you asked for me!

PoonFisher said:

<< Some the "dating" review sites I read use unusual acronyms. Can anyone identify:
DATY
GFE
PSE
BBBJTC
DATO
DFK
>>



Hmm, I don't know if I'm allowed to type it all out. If this is inappropiate, please remove my posting<img src="i/expressions/face-icon-small-smile.gif"border=0>

GFE = Girlfriend Experience
PSE = Pornstar Experience
BBJTC = Bareback B***job Till C**shot
DFK = Deep French Kissing
DATY = Dining At The Y (performing oral on a woman)
DATO = Dining At The O (I have no idea what this means)

LOL, ah.. what stuff you learn in college<img src="i/expressions/face-icon-small-wink.gif"border=0>


Azurik said:

<< DATO = Dining At The O (I have no idea what this means) >>


Means analingus (aka rim job)

poohead said:

<< http://www.acronymfinder.com >>



Second that one, acronymfinder is sweet.

Keep 'em coming.

PM - private message
OTOH - on the other hand
IMO - in my opinion
IME - in my experience
BK - bankruptcy
OP - original poster and/or original post

excellent thread...thanks for keeping it updated and making the first post easy to read...heres some more:

LTV Loan-To Value. A percentage of the loan amount compared to the value of your home. A home worth $100k that has a $80k loan has a 80%LTV.

CLTV. Combined LTV - same as above, but takes into account ALL loans on the property (1sts and 2nds). So if your house worth $100k has a $80k 1st mortgage and $10k HELOC2nd, your CLTV is 90%.

HOH - Head of household
SB - Savings Bond
IRA - Individual Retirement Account
NCUA - National Credit Union Administration
NCUSIF - National Credit Union Share Insurance Fund
DDA - Demand deposit account (aka checking)
IDA - Investment deposit account (aka savings)
CD - Certificate of Deposit
FDIC - Federal Deposit Insurance Corporation
S&P - Standard & Poors
S&P 500 - S&P's most popular stock index
IRS - Internal Revenue Service
FTC - Federal Trade Commission
FCC - Federal Communications Commission
D&B or DNB - Dun & Bradstreet - a provider of business to business credit information
CRA - Credit Reporting Agency (the big three national consumer credit reporting repositories are Trans Union, Equifax and Experian)
WK - www.worthknowing.com
TU - Trans Union
EX - Experian
EQ - Equifax
FICO or FICO score - a credit score based on scoring algorithms developed by Fair Isaac Credit Organization
FAKO of FAKO score - a credit score supplied by a credit reporting company using proprietary scoring criteria rather than the FICO algorithms
APY - Annual percentage yield - The effective annual return. "The APY is calculated by taking one plus the periodic rate raised to the number of periods in a year. For example, a 1% per month rate would offer an APY of 12.68%." (credits to investorwords.com for that definition)

Ignore this, its a quick page search mechanism for me, in anticipation of this thread growing big : last_updateZ.

In English, all the acronyms up to now should be in OP. If I messed up and missed some, let me know.

FHA - Federal Housing Administration
FNMA - Federal National Mortgage Association - aka Fannie Mae
FHLMC - Federal Home Loan Mortgage Corporation - aka Freddie Mac
GNMA - Government National Mortgage Association - aka Ginnie Mae
SLMA - Student Loan Marketing Association - aka Sallie Mae
MBS - Mortgage Backed Security
MBA - Master of Business Administration
DILOF - Deed in Lieu of Foreclosure
ARM - Adjustable Rate Mortgage
FRM - Fixed Rate Mortgage
REO - Real Estate Owned
HUD - Department of Housing and Urban Development
COA - Certificate of Occupancy
DRIP - Dividend Reinvestment Plan
DPP - Direct Purchase Plan
ATM - Automated Teller Machine
COF - Cost of Funds
IPO - Initial Public Offering
NAIC - National Association of Investors Corporation (investment club organization)
SBA - Small Business Administration
ROA - Return on Assets
ROTA - Return on Total Assets
SEC - Securities and Exchange Commission
REIT - Real Estate Investment Trust
FREIT - Finite-life Real Estate Investment Trust
PMI - Private Mortgage Insurance
PE - as in ratio - Price to Earnings ratio
NAV - Net Asset Value
P&I - Principal and Interest
PITI - Principal, Interest, Taxes and Insurance
AGI - Adjusted Gross Income
CPI - Consumer Price Index
PPI - Producer Price Index
COLA - Cost of Living Adjustment
GDP - Gross Domestic Product
GNP - Gross National Product
IMF - International Monetary Fund
Fed - The 7-member Board of Governors that oversees Federal Reserve Banks, establishes monetary policy (interest rates, credit, etc.), and monitors the economic health of the country. Its members are appointed by the President subject to Senate confirmation, and serve 14-year terms. also called the Federal Reserve Board. (definition from investwords.com)

Acronyms relating to people and finance:

Yuppie - Young Urban Professional
Buppie - Black Urban Professional
Guppie - Gay Urban Professional

DINK - Double-Income, No Kids
DINS - Double-Income, No Sex (coined by the Wall Street Journal, I believe)
THINKER - Two Healthy Incomes, No Kids, Early Retirement

EPS - Earnings Per Share
CFP - Certified Financial Planner
B&M - Brick & Mortar
B2B - Business-to-Business commerce
B2C - Business-to-Consumer commerce
BBB - Better Business Bureau
ABA - American Banking Association
ABA number - This is the number appearing on the bottom of a check, starting at the left-hand
corner that was assigned to the issuing bank by the American Banking Association, it's also known as a 'routing number'.
CUSIP number - A nine-character number that uniquely identifies a particular security. CUSIP is an acronym for the Committee on Uniform Securities and Identification Procedures, the standards body which created and maintains the classification system. Foreign securities have a similar number, called the CINS number. (credit to investorwords.com for this definition)
ASCII - American Standard Code for Information Interchange - used to identify a standard text file that can be easily exchanged among different programs.
QIF - Quicken Interchange Format, a non-propietary text file format that is used by many financial institutions and financial programs for importing/exporting data.

ING - Internationale Nederlanden Group

TruthTeller said:

<< Acronyms relating to people and finance... >>

Along the same line:
WASP - White Anglo-Saxon Protestant

COBRA - A health insurance plan which allows an employee who leaves a company to continue to be covered under the company's health plan, for a certain time period and under certain conditions. The name results from the fact that the program was created under the Consolidated Omnibus Reconciliation Act. The system is designed to prevent employees who are between jobs from experiencing a lapse in coverage. (definition from investorwords.com)

CSR - Customer Service Representative

Ignore this, its a quick page search mechanism for me, in anticipation of this thread growing big : last_updateZ.

Updated to this point, skipped over ones that have a slight hint of stereotyping. (Not that I take sides, I just don't welcome the association with terms that some might find offensive)

ERISA - Employee Retirement Income Security Act of 1974, federal law which established legal guidelines for private pension plan administration and investment practices.
SEP - A retirement program for self-employed people or owners of companies with less than 25 employees.
FICA - Federal Insurance Contributions Act (aka social security).
FIFO - First in first out
LIFO - Last in first out
NYSE - New York Stock Exchange
AMEX - American Stock Exchange or American Express
NASD - National Association of Securities Dealers
Nasdaq - A computerized system established by the NASD to facilitate trading by providing broker/dealers with current bid and ask price quotes on over-the-counter stocks and some listed stocks. (definition from investorwords.com)
CPA - Certified Public Accountant
YTD - Year-to-date
VAT- Value Added Tax
BVG- Best Value Guarantee
UGMA - Uniform Gift to Minors Act
UIT - Unit Investment Trust
CBO - Collateralized Bond Obligation
APT - Arbitrage Pricing Theory
CAPM - Capital Asset Pricing Model
GIC - Guaranteed Investment Contract
GTC - Good 'til Cancelled
FAQ - Frequently Asked Questions
AKA - Also Known As
FKA - Formerly Known As
PDA - Personal Digital Assistant
FCRA - Fair Credit Reporting Act
5 C's of credit - The five key elements a borrower should have to obtain credit: character (integrity), capacity (sufficient cash flow to service the obligation), capital (net worth), collateral (assets to secure the debt), and conditions (of the borrower and the overall economy). (credits to investorwords.com for definition)

AFAIK As far as I know
DAMHIKT Dont ask me how I know this
IIRC If I remember correctly
PITA Pain in the A$$
SWMBO She who must be obeyed

FWIW - For What It's Worth
ASAP - As soon as possible
WYSIWYG - What You See Is What You Get
BTW- By the way
LOL - Laugh out loud
YAOTM - Yet Another Off-Topic Message
BOT - Back on Topic
YWSYLS - You win some, you lose some
TIA - Thanks in advance
ROFL - Rolling on floor laughing
TCB - Taking care of business
GIGO - Garbage In, Garbage Out
HTH - Hope this helps
IUD - Insert usual disclaimers
DBA - Doing business as

HOA - Home Owners Association

Skipping 30 Messages...
Woo hoo, and I thought I lost this thread. (Couldn't find it a couple weeks ago)



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