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Debt Management and Credit Cards Home
Terminology Financial Terms and Acronyms
Glossary Data Lookup & Reference Services

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122 results. (Showing 1 - 20)   

1. daily interest account
A savings account that computes and pays interest each day from the date of deposit to the date of withdrawal.

2. de facto
Latin for "in actual fact." Something that is in reality, actual and existing regardless of legal or moral considerations.

3. de jure
Latin for "by right." Something that is rightful, legitimate or just according to law or equity. The term describes a state of affairs or a condition that exists based on a right under the law, rather than a de facto condition in which something exists in fact regardless of its right to exist.

4. de novo
New, fresh, just beginning. A de novo thrift institution is a newly chartered institution. De novo branching refers to opening a new branch office as opposed to buying an existing branch or acquiring branches through a merger of institutions.

5. de-leveraged bonds
Bonds that pay investors according to a formula that is based on a fraction of the increase or decrease in a specified index, such as the Constant Maturity Treasury (CMT) rate or the prime rate. For example, the coupon might be 0.5 x 10-year CMT + 150 basis points. The "de-leverage multiplier," (0.5) causes the coupon to lag behind overall movements in market yields.

6. dead load
The permanent, inert weight of a building, exclusive of furniture and occupants.

7. dealer
A person or business firm acting as a middleman to facilitate distribution of securities or goods. Typically, a dealer buys for his or her own account and sells to a customer from the dealer's inventory. Thus a dealer acts as a principal rather than as an agent. The dealer's profit or loss is the difference between the price he pays and the price he receives for the same security or goods. The same individual or company may, at different times, function as a dealer or as a broker, who buys and sells for his clients' accounts.

8. dealer paper
Retail installment contracts that are purchased by a financial institution for a price negotiated with a dealer. The transfer of the loan contract from merchant to dealer to financial institution is evidenced by the execution of the assignment section of the contract.

9. debenture
An unsecured debt instrument or bond backed only by the general credit standing and earning capacity of the issuer. Debentures are used to obtain capital funds.

10. debit
(1) in accounting, an entry on the left-hand side of an account record in which amounts are recorded in a double-entry system of bookkeeping. (2) a charge to a customer's access account or deposit account.

11. debit card
A plastic card with which a customer may withdraw funds on deposit in the customer's account using an automated teller machine. Some merchants accept debit cards, treating them the same as cash. A debit card transaction pays the seller of goods or services by withdrawing funds already on deposit in the buyer's account, as opposed to a credit card transaction in which funds are loaned to the buyer by the card issuer.

12. debt
Money, services, goods or anything else of value that is owed by one person to another as the result of a previous agreement.

13. debt capital
Money loaned at a stated interest rate for a fixed term of years, distinguished from equity capital.

14. debt financing
The long-term borrowing of money by government or a business, usually in exchange for debt securities or a note, in order to obtain working capital or to retire other indebtedness.

15. debt investment
Investment in the financing of property or of some endeavor, in which the investor loaning funds does not own the property or endeavor, nor share in its profits. If property is pledged, or mortgaged, as security for the loan, the investor may claim the property to repay the debt if the borrower defaults on payments. Also see equity investment.

16. debt service
The payments of principal and interest by a borrower to a lender. Commonly used in reference to mortgage loans and long-term government or industrial bonds. The payments may be monthly, quarterly, semiannual or annual.

17. debt service constant
A factor that, multiplied by the original loan principal, yields the annual debt service payment (principal plus interest) required to amortize a loan.

18. debtee
A creditor, one who lends money.

19. debtor
A person who owes something of value, such as money.

20. decedent
A deceased person, ordinarily used with respect to one who has died recently. A savings account held in the name of an executor or administrator of a deceased person's estate is called a decedent estate account.

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