<definition>A tax-deferred compensation plan into which employees, and sometimes their employers, can make contributions. Employee contributions and earnings from a 401(k) plan are not taxed until distribution, usually at retirement.</definition>
</term>
<term tNum="286929">
<title>403(b) plan</title>
<definition>A retirement plan into which non-profit and public service employees, and sometimes their employers, can make contributions. Employee contributions and earnings from a 403(b) plan are not taxed until distribution, usually at retirement.</definition>
</term>
<term tNum="286930">
<title>52-week high</title>
<definition>The highest price at which a security sold in the past 52 weeks.</definition>
</term>
<term tNum="286931">
<title>52-week low</title>
<definition>The lowest price at which a security sold in the past 52 weeks.</definition>
</term>
<term tNum="286932">
<title>Abbreviation</title>
<definition>A shorter name you can assign to categories, classifications, accounts, and payees for quick entry.</definition>
</term>
<term tNum="288823">
<title>Accelerated depreciation rate</title>
<definition>A method of depreciating assets that allows you to write off the cost of an asset more quickly and therefore receive tax advantages sooner than with the straight-line depreciation method.</definition>
</term>
<term tNum="289177">
<title>Account</title>
<definition>A separate group of transactions in Money, used to track bank, brokerage, retirement, loan, or credit card accounts. You can also create accounts to track assets such as your home or car.</definition>
</term>
<term tNum="286933">
<title>Account group</title>
<definition>A way to define the purpose of your accounts for Money's Lifetime Planner.</definition>
</term>
<term tNum="289193">
<title>Account position</title>
<definition>Your stake in an investment, either by owning stock (a long position) or by owing stock (a short position).</definition>
</term>
<term tNum="288824">
<title>Account register</title>
<definition>The page in Money that displays all the transactions for one account, such as a checking account, credit card account, or investment account.</definition>
</term>
<term tNum="288825">
<title>Accounts payable</title>
<definition>Amounts you owe for goods and services for which you have not yet paid.</definition>
</term>
<term tNum="288826">
<title>Accounts receivable</title>
<definition>Amounts you or your business are owed for goods and services for which you have not yet been paid.</definition>
</term>
<term tNum="289178">
<title>Additional withholding</title>
<definition>A specified amount of tax that you can have your employer withhold from your pay in addition to regular withholding. File Form W-4 with your employer to change your withholding.</definition>
</term>
<term tNum="286934">
<title>Adjusted gross income</title>
<definition>Your gross income minus certain expenses such as business expenses, capital losses of up to $3,000, expenses from rent or royalty income, IRA contributions, and alimony.</definition>
</term>
<term tNum="286935">
<title>Alternative minimum tax</title>
<definition>A tax designed to ensure that high-income taxpayers who shelter their income with certain deductions, such as accelerated depreciation, substantial itemized deductions, or tax-exempt interest, pay at least a minimum amount of tax.</definition>
</term>
<term tNum="286936">
<title>Amortization</title>
<definition>A plan under which a borrower pays off a debt, such as a mortgage, over time through periodic payments of principal and interest. Amortization also refers to writing off the cost of intangible assets, such as franchise fees or business start-up costs, over a period of years.</definition>
</term>
<term tNum="286937">
<title>Annual percentage rate</title>
<definition>The true cost of a loan, including interest and all fees, expressed as an annual percentage amount. Lenders are required to disclose the annual percentage rate (APR) for every consumer loan.</definition>
</term>
<term tNum="286938">
<title>Annual return</title>
<definition>Your annual profit on an investment as a percentage of the amount invested. For example, a $1,000 investment that pays $100 in profits over the year has an annual return of 10%.</definition>
</term>
<term tNum="286939">
<title>Annuity</title>
<definition>A contract in which you make a payment or series of payments now and receive a payment or series of payments later. Investments in a qualified annuity grow tax free.</definition>
</term>
<term tNum="286940">
<title>Apay</title>
<definition>Automatic payment. An electronic payment that you set up with your financial institution in which funds are automatically withdrawn from your account and a payment sent to the payee, whether or not you connect to your financial institution.</definition>
</term>
<term tNum="286941">
<title>Application</title>
<definition>Software designed to help you perform specific tasks. For example, Money is a personal finance application that helps you pay your bills and manage your finances. Other applications can help you do things such as create spreadsheets, learn a foreign language, or play a game.</definition>
</term>
<term tNum="286942">
<title>Archive</title>
<definition>To copy your current file into a storage file and remove older transactions from the current file to keep your current file a manageable size.</definition>
</term>
<term tNum="286179">
<title>ARM</title>
<definition>Adjustable rate mortgage. A mortgage on which the interest rate you pay, and therefore your payment, can change periodically depending on market interest rates.</definition>
</term>
<term tNum="288827">
<title>Asset</title>
<definition>An item of value that you own. Assets can be tracked in Money with asset accounts.</definition>
</term>
<term tNum="289194">
<title>Asset allocation</title>
<definition>Apportioning your assets among different types of investments to provide the balance of growth potential and risk that is best for you and your circumstances.</definition>
</term>
<term tNum="289195">
<title>Asset class</title>
<definition>A way to track groups of categories. For example, you can assign a class to your business, under which you have categories for telephone, subscriptions, and other business expenses.</definition>
</term>
<term tNum="286943">
<title>Associated cash account</title>
<definition>The cash section of an investment account, where you temporarily keep cash for buying investments and the proceeds from investment sales.</definition>
</term>
<term tNum="286944">
<title>Associated contributions account</title>
<definition>The cash portion of a retirement account that holds the cash contributions you make to a retirement account until you enter actual purchases. It has the same name as the retirement account it is tied to, followed by the word Contributions.</definition>
</term>
<term tNum="286945">
<title>ATM</title>
<definition>Automated teller machine, or cash machine.</definition>
</term>
<term tNum="288828">
<title>AutoBalance</title>
<definition>A balance adjustment automatically entered into your credit card account register when you pay your bill, so you don't have to enter or track individual charges.</definition>
</term>
<term tNum="286946">
<title>AutoComplete</title>
<definition>A Money feature that automatically finishes filling in a name when you begin to type one that you've used before. You can accept the name Money suggests or finish typing a new one.</definition>
</term>
<term tNum="286947">
<title>Balance</title>
<definition>The sum of all transactions in an account as of a particular date. To balance an account register is to reconcile it with an outside source, such as your bank statement.</definition>
</term>
<term tNum="288829">
<title>Balance sheet</title>
<definition>A financial statement that shows a company's assets, liabilities, and owner's equity at a given point in time.</definition>
</term>
<term tNum="286949">
<title>Balloon payment</title>
<definition>A final payment on a loan that is substantially larger than the regular payments. Balloon payments are common for loans that are expected to be refinanced.</definition>
</term>
<term tNum="286950">
<title>Bankruptcy</title>
<definition>The financial condition of not being able to pay one's debts. Under federal law, a bankruptcy court may discharge some or all of the obligation to repay unsecured debts. The specific rules and conditions vary depending on the bankruptcy chapter under which the debtor files.</definition>
</term>
<term tNum="288830">
<title>Base currency</title>
<definition>The currency used to record transactions within an account or file. For example, if you live in the United States, the base currency for your Money file is the U.S. dollar by default.</definition>
</term>
<term tNum="286951">
<title>Basis</title>
<definition>The amount you paid for an asset plus certain costs, such as sales tax, shipping, and installation, less any depreciation you have taken. The basis is used to calculate your gain or loss when you sell the asset.</definition>
</term>
<term tNum="289366">
<title>Basis point</title>
<definition>Expenses of a mutual fund, expressed as 0.01%. For example, if the expenses on a mutual fund are 75 basis points, they are 0.75%.</definition>
</term>
<term tNum="289367">
<title>Bear market</title>
<definition>A prolonged downward trend in stock prices, so named because a bear fights by slapping downward.</definition>
</term>
<term tNum="286952">
<title>Beneficiary</title>
<definition>A person who receives a benefit, such as the income of a trust or proceeds from an insurance policy.</definition>
</term>
<term tNum="288831">
<title>Bill payment provider</title>
<definition>An online service provider that allows you to pay bills electronically, either directly from Money or from the provider's Web site.</definition>
</term>
<term tNum="289540">
<title>Blue chip</title>
<definition>Common stock of certain nationally known companies with long records of performance, dividend payments, and stability.</definition>
</term>
<term tNum="286954">
<title>Bond</title>
<definition>A type of debt owed by federal and municipal government and corporations. If you invest in bonds, you usually receive interest twice a year.</definition>
</term>
<term tNum="286955">
<title>Broker</title>
<definition>A salesperson or company that executes the purchases and sales of stocks, bonds, and other investments and charges a commission.</definition>
</term>
<term tNum="286956">
<title>Brokerage account</title>
<definition>The collection of investments a brokerage company holds for you. Each of your brokerage accounts should be set up as a separate investment account in Money.</definition>
</term>
<term tNum="286957">
<title>Browser</title>
<definition>A program that lets you find and view Web pages on the Internet.</definition>
</term>
<term tNum="289368">
<title>Bull market</title>
<definition>A prolonged upward trend in stock prices, so named because a bull fights by attacking upward.</definition>
</term>
<term tNum="289180">
<title>Bulletin board</title>
<definition>An online site where you can read other people's questions, answers, and comments on a particular subject or post your own. A collection of bulletin boards is an online community.</definition>
</term>
<term tNum="288833">
<title>Business bill</title>
<definition>Bills for expenses you incur in the course of your business, as opposed to personal bills.</definition>
</term>
<term tNum="286959">
<title>Calculator</title>
<definition>Press CTRL+K whenever you want to use the Windows calculator. In amount fields, you can click the down arrow to use an in-field calculator.</definition>
</term>
<term tNum="288834">
<title>Call</title>
<definition>An option that gives you the right to buy a given stock or other security at a given price in a given period. Calls are the opposite of puts and are often used to hedge risk.</definition>
</term>
<term tNum="289369">
<title>Capital asset</title>
<definition>An item you own for investment or personal purposes, such as stocks, bonds, or stamp collections. Inventory and assets you use in your business are not capital assets.</definition>
</term>
<term tNum="286960">
<title>Capital gain</title>
<definition>Profit from the sale of stocks, bonds, mutual funds, or other capital assets.</definition>
</term>
<term tNum="286961">
<title>Capital gains distribution</title>
<definition>A mutual fund shareholder's portion of the fund's capital gains. Generally, these are paid once a year.</definition>
</term>
<term tNum="286962">
<title>Capital loss</title>
<definition>Loss from the sale of stocks, bonds, mutual funds, or other capital assets.</definition>
</term>
<term tNum="288835">
<title>Cash</title>
<definition>Cash and its equivalent including bank balances, money orders, and checks.</definition>
</term>
<term tNum="286963">
<title>Casualty</title>
<definition>Property damage or destruction from a sudden and unexpected event.</definition>
</term>
<term tNum="286964">
<title>Category</title>
<definition>A way to sort your income and expenses into meaningful groups such as Medical, Food, and Insurance, so you can see income and spending patterns in Money reports.</definition>
</term>
<term tNum="286965">
<title>CD</title>
<definition>Certificate of Deposit. A deposit at a bank or savings and loan institution that you agree to leave for a specified period of time, ranging from 30 days to several years. CDs pay a higher interest rate than passbook savings accounts.</definition>
</term>
<term tNum="288836">
<title>Chart of accounts</title>
<definition>The list of your business accounts and categories. Accounts are listed as assets or liabilities, while categories are listed as income or expense.</definition>
</term>
<term tNum="286966">
<title>Class</title>
<definition>A way to categorize your income and expenses at a higher level. You can create classifications for family members, properties, projects, hobbies, or other logical groupings. Under each broad classification, such as Properties, you can create classes, such as Maple Street rental and Big Lake condo.</definition>
</term>
<term tNum="286967">
<title>Classification</title>
<definition>A way to categorize your income and expenses at a higher level. You can create classifications for family members, properties, projects, hobbies, or other logical groupings.</definition>
</term>
<term tNum="286968">
<title>Cleared transaction</title>
<definition>A transaction that has been reconciled with a bank, credit card, or loan statement. The letter C in the C (Cleared) field indicates that a transaction has been debited or credited in your account (a payment has cleared the bank or a deposit has been recorded).</definition>
</term>
<term tNum="286969">
<title>Clipboard</title>
<definition>A temporary data storage area on your computer for cut or copied information. You can paste the contents of the Clipboard into another account or Windows application. The Clipboard holds only one item at a time.</definition>
</term>
<term tNum="286970">
<title>Commission</title>
<definition>A fee charged by brokers for buying or selling investments.</definition>
</term>
<term tNum="286971">
<title>Concentration risk</title>
<definition>The risk from putting all your money into one investment, such as one stock, your home, or your business, as opposed to diversifying your investments.</definition>
</term>
<term tNum="288837">
<title>Contact</title>
<definition>Someone you do business with, such as your bank or broker. You can use Money to help keep track of contact information, including names, addresses, phone numbers, and e-mail addresses.</definition>
</term>
<term tNum="286972">
<title>Cost basis</title>
<definition>The total purchase price you paid for an investment. For stocks, your cost basis is the number of shares multiplied by the price per share, plus commissions.</definition>
</term>
<term tNum="286973">
<title>Credit risk</title>
<definition>The chance that a bond issuer or other borrower won't repay the principal and interest when it is due.</definition>
</term>
<term tNum="289541">
<title>CSV data</title>
<definition>Comma separated values. Type of data commonly read by spreadsheet programs, with individual entries separated by commas.</definition>
</term>
<term tNum="288910">
<title>CUSIP number</title>
<definition>Committee On Uniform Securities Identification Procedures number. A number that identifies all stocks and registered bonds.</definition>
</term>
<term tNum="286974">
<title>Custodial account</title>
<definition>An account set up for a minor at a bank, brokerage, or other financial institution, with an adult designated as the custodian.</definition>
</term>
<term tNum="289370">
<title>Day-to-day accounts</title>
<definition>Your checking, savings, cash, investment cash, and other accounts that are not designated for long-term savings or retirement purposes. Day-to-day accounts do not include retirement plans or asset accounts (such as your house). You can't change an account from being a day-to-day account to being a non-day-to-day account or vice versa because it is determined by the account type.</definition>
</term>
<term tNum="289196">
<title>Debt</title>
<definition>An obligation to repay with goods, money, or services.</definition>
</term>
<term tNum="286975">
<title>Debt guidelines</title>
<definition>In home buying, income and debt guidelines that estimate the size of mortgage you may qualify for.</definition>
</term>
<term tNum="288838">
<title>Debt Reduction Planner</title>
<definition>Money's tool for creating an efficient plan to pay off your high-interest debt and determining how quickly you can do it.</definition>
</term>
<term tNum="286976">
<title>Default Web browser</title>
<definition>The stand-alone browser that you normally use to access the Internet.</definition>
</term>
<term tNum="286977">
<title>Dialog box</title>
<definition>A temporary box that appears on your screen and displays options or requests information for your current task in Money.</definition>
</term>
<term tNum="286978">
<title>Direct bill payment</title>
<definition>An online service that allows you to pay your bills electronically from any checking account in the United States.</definition>
</term>
<term tNum="286979">
<title>Direct debit</title>
<definition>A withdrawal transaction that you authorize to have directly subtracted from your account.</definition>
</term>
<term tNum="286980">
<title>Direct deposit</title>
<definition>A deposit that is made directly to your account by a payee.</definition>
</term>
<term tNum="286981">
<title>Direct financial services</title>
<definition>Services provided by your financial institution that allow you to do common banking tasks from your computer through a direct connection with the financial institution's computer.</definition>
</term>
<term tNum="286982">
<title>Direct statements</title>
<definition>A direct financial service that allows you to download online statements directly and securely from your financial institution, and depending on your financial institution, transfer money electronically between accounts.</definition>
</term>
<term tNum="286983">
<title>Discounted bond</title>
<definition>A bond sold for less than its par (or face) value. Some bonds don't pay stated interest to investors; instead, investors make a profit as the bonds increase in value as they get closer to their maturity date.</definition>
</term>
<term tNum="289542">
<title>Discretionary category</title>
<definition>An income or expense category over which you have more control than you do over a necessary category. For example, recreation is a discretionary expense category.</definition>
</term>
<term tNum="286984">
<title>Disk</title>
<definition>Where you store data, such as software application files or your work files. This can be your computer's internal hard disk, a removable hard disk, or a floppy disk.</definition>
</term>
<term tNum="286987">
<title>Disk drive</title>
<definition>A machine that reads information from your computer disks. Most computers have at least one floppy disk drive (usually "A") and one hard disk drive (usually "C").</definition>
</term>
<term tNum="286985">
<title>Dividend</title>
<definition>The portion of corporate earnings distributed to shareholders. Dividends are taxable and are usually distributed quarterly.</definition>
</term>
<term tNum="286986">
<title>Download</title>
<definition>The transmission of information over the Internet to your computer, for instance, when you make an online connection to a bank or brokerage to get your bank statement or a stock quote.</definition>
</term>
<term tNum="288896">
<title>DSL</title>
<definition>Digital subscriber line. An Internet connection that allows high-speed data transmission over an ordinary phone line.</definition>
</term>
<term tNum="289197">
<title>Education IRA</title>
<definition>A tax-advantaged savings plan for higher education to which you can make non-deductible contributions for any child under age 18. The child can then make tax-free withdrawals when he or she incurs qualified higher education expenses.</definition>
</term>
<term tNum="286989">
<title>Effective tax rate</title>
<definition>The percentage of your total taxable income that you pay in income tax. In other words, the rate you would pay if all your income were taxed at the same rate.</definition>
</term>
<term tNum="287939">
<title>Electronic transfer</title>
<definition>An online transaction that moves money between accounts. You only enter the transaction once, and it is recorded in both accounts.</definition>
</term>
<term tNum="286990">
<title>Employee stock option grant</title>
<definition>An options contract given by a corporation to employees that allows the employees to purchase shares of the corporation's capital stock at a "strike price." When the stock price rises, employees make a profit by exercising the option (buying the stock) and selling the stock at the higher price.</definition>
</term>
<term tNum="288839">
<title>Encryption</title>
<definition>An electronic process for storing data in an unreadable format so outside parties cannot read it. When the data is received, it is decoded and returned to its original form.</definition>
</term>
<term tNum="288840">
<title>Epay</title>
<definition>Electronic payment. An arrangement you set up with your bank or broker to have funds withdrawn from your account and sent to a payee.</definition>
</term>
<term tNum="286991">
<title>Equity</title>
<definition>The amount an asset or business is worth, less liabilities against it. For example, the equity in your home is its market value, less any mortgages, liens, and home equity loans.</definition>
</term>
<term tNum="286992">
<title>Estate</title>
<definition>Everything an individual owns at death, including the individual's house, bank accounts, investment portfolios, life insurance, personal property, and retirement plans.</definition>
</term>
<term tNum="286993">
<title>Estate planning</title>
<definition>An overall strategy that minimizes taxes and coordinates the disposition of everything an individual owns at death, including the individual's house, bank accounts, investment portfolios, life insurance, and retirement plans.</definition>
</term>
<term tNum="288841">
<title>Euro</title>
<definition>The official currency of the European Monetary Union. The symbol for the Euro is €.</definition>
</term>
<term tNum="288842">
<title>European Monetary Union</title>
<definition>The coalition of European countries that use the Euro as their common currency. The original 11 member states include Austria, Belgium, Finland, France, Germany, Ireland, Italy, Luxembourg, the Netherlands, Portugal, and Spain.</definition>
</term>
<term tNum="286994">
<title>Exercise</title>
<definition>To implement a right of an option or other contract. For example, if you hold a vested employee stock option grant, you exercise the right by purchasing the corporation's shares at the agreed-upon price (strike price).</definition>
</term>
<term tNum="286995">
<title>Expiration date</title>
<definition>The date that an option expires. For employee stock options, this is the last day you can exercise the option to purchase shares at the strike price.</definition>
</term>
<term tNum="286996">
<title>Export</title>
<definition>To convert data to a different file format so that it can be used by another program. For example, you can convert Money data to a file format that can be used by a tax preparation program.</definition>
</term>
<term tNum="286997">
<title>Face value</title>
<definition>The amount indicated on an instrument, such as a bond or check. The face value of a bond is its redemption value at maturity.</definition>
</term>
<term tNum="287940">
<title>Favorite accounts</title>
<definition>A list of the accounts you use most often and want to be able to access quickly, such as your checking account.</definition>
</term>
<term tNum="289181">
<title>Federal withholding</title>
<definition>Federal taxes taken out of your wages or other income and deposited into an IRS account.</definition>
</term>
<term tNum="286999">
<title>Field</title>
<definition>A space for you to enter a particular item of information, such as a date or payee name.</definition>
</term>
<term tNum="287000">
<title>FIFO</title>
<definition>First-in, first-out. The default method for tracking assets such as stock or business inventory in which the first assets you buy are assumed to be the first assets you sell.</definition>
</term>
<term tNum="289182">
<title>File</title>
<definition>The accounts, transactions, and other financial information related to you, and any sole proprietorship you own, that are stored in one Money file.</definition>
</term>
<term tNum="287001">
<title>Financial institution</title>
<definition>Banks, brokerages, and other institutions that invest money from the public in financial assets.</definition>
</term>
<term tNum="288843">
<title>Fixed asset</title>
<definition>Property you own personally or through your business that you don't expect to use up or convert to cash in the near future.</definition>
</term>
<term tNum="287002">
<title>Foreclosure</title>
<definition>A legal procedure in which a lender repossesses property and sells it to satisfy debt.</definition>
</term>
<term tNum="287003">
<title>Fractional shares</title>
<definition>Part of a share of a stock or mutual fund.</definition>
</term>
<term tNum="287004">
<title>Frequency</title>
<definition>How often a recurring transaction takes place, such as weekly, monthly, or quarterly.</definition>
</term>
<term tNum="289183">
<title>Frequent flyer program</title>
<definition>A plan generally set up by an airline or credit card company that lets you accumulate points or miles toward free airline tickets or other rewards.</definition>
</term>
<term tNum="287005">
<title>FSBO</title>
<definition>For sale by owner. A home or other property that is offered for sale without being listed with a broker.</definition>
</term>
<term tNum="287006">
<title>Future occurrences</title>
<definition>Recurring scheduled transactions, not including the next transaction due.</definition>
</term>
<term tNum="287007">
<title>Ginnie Mae</title>
<definition>Government National Mortgage Association. A government-owned corporation that guarantees the principal and interest payments of the home mortgages it backs.</definition>
</term>
<term tNum="288844">
<title>Gross pay</title>
<definition>Your wages or salary, before taxes and other deductions are withheld.</definition>
</term>
<term tNum="287008">
<title>Highlight</title>
<definition>To select an item on the screen, usually by clicking with the mouse.</definition>
</term>
<term tNum="287009">
<title>Hyperlink</title>
<definition>A link (usually colored text or a picture) that you can click to jump to a place in Money or on the Internet.</definition>
</term>
<term tNum="287010">
<title>Import</title>
<definition>To bring information in from another application and convert it to the file format used by Money.</definition>
</term>
<term tNum="287011">
<title>Income guidelines</title>
<definition>When you are buying a home, the income or debt guidelines used to estimate the amount of money you can borrow.</definition>
</term>
<term tNum="287012">
<title>Index fund</title>
<definition>A passively managed fund that replicates a market index such as the Standard & Poor's 500 Stock Index.</definition>
</term>
<term tNum="287013">
<title>Inflation</title>
<definition>An overall increase in the price of goods and services in an economy.</definition>
</term>
<term tNum="287014">
<title>Inflation risk</title>
<definition>The risk that your savings may not be worth as much in the future if the cost of goods and services rises faster than the value of your investments.</definition>
</term>
<term tNum="287015">
<title>Institutional investor</title>
<definition>Mutual funds, pension funds, insurance companies, and other organizations that have large amounts to invest.</definition>
</term>
<term tNum="287016">
<title>Interest</title>
<definition>The cost of borrowing money.</definition>
</term>
<term tNum="287017">
<title>Interest rate</title>
<definition>The cost of borrowing money, expressed as an annual percentage of the principal amount.</definition>
</term>
<term tNum="287108">
<title>Interest rate risk</title>
<definition>The chance that interest rates may change the value of an investment, especially bonds. When interest rates rise, the value of bonds fall as other investments become more attractive.</definition>
</term>
<term tNum="287109">
<title>Internal Web browser</title>
<definition>The browser that opens within Money and lets you view Web pages without leaving the Money program.</definition>
</term>
<term tNum="287020">
<title>Investment</title>
<definition>Assets such as stocks, bonds, mutual funds, and money market funds that you buy with the expectation that they will increase in value over time.</definition>
</term>
<term tNum="287021">
<title>Investment account</title>
<definition>A brokerage account, retirement account, or other account in which you have investments. You keep track of individual investments, such as stock purchases, in the associated investment account.</definition>
</term>
<term tNum="287023">
<title>IRA</title>
<definition>Individual Retirement Account. A tax-deferred retirement plan to which most individuals with employment or alimony income can contribute up to $2,000 per year. Contributions may or may not be deductible from your gross income, depending on the type of IRA and your tax situation.</definition>
</term>
<term tNum="287024">
<title>ISP</title>
<definition>Internet service provider. The company that provides you access to the Internet.</definition>
</term>
<term tNum="287025">
<title>Keogh plan</title>
<definition>A tax-deferred retirement plan for self-employed individuals and their employees.</definition>
</term>
<term tNum="288846">
<title>LAN</title>
<definition>Local area network. Two or more personal computers that are connected for the sharing of data and peripheral equipment, such as printers.</definition>
</term>
<term tNum="289198">
<title>Large-cap fund</title>
<definition>A mutual fund that specializes in securities of firms with a market value of more than $5 billion.</definition>
</term>
<term tNum="289450">
<title>Large-cap investments</title>
<definition>Investments in securities of firms with a market value of more than $5 billion.</definition>
</term>
<term tNum="287026">
<title>Leverage</title>
<definition>Increasing the amount you can invest, and therefore your potential return, by borrowing money.</definition>
</term>
<term tNum="287027">
<title>Liability</title>
<definition>An obligation to pay a debt, such as a mortgage, home-equity loan, credit card balance, or car loan.</definition>
</term>
<term tNum="287028">
<title>Living will</title>
<definition>A document in which a person states in writing any life-prolonging medical treatment that he or she wants or doesn't want in the event of terminal illness or incapacitation.</definition>
</term>
<term tNum="287029">
<title>Load</title>
<definition>A sales commission charged when you buy or sell shares in certain mutual funds. Mutual funds that don't charge a sales commission are no-load funds.</definition>
</term>
<term tNum="287030">
<title>Loan</title>
<definition>An agreement to borrow or lend money. The borrower agrees to repay the money at a future time, generally with interest.</definition>
</term>
<term tNum="287031">
<title>Lot</title>
<definition>A block of stock or mutual fund shares purchased at the same time. For example, if you purchased 100 shares of Litware, Inc. on Jan. 10, and 50 shares of Litware, Inc. on Jan. 11, you would own two lots of Litware, Inc.</definition>
</term>
<term tNum="288847">
<title>MACRS</title>
<definition>Modified Accelerated Cost Recovery System. A method of depreciating assets that allows you to write off the cost of an asset more quickly and therefore receive tax advantages sooner than with the straight-line depreciation method.</definition>
</term>
<term tNum="289371">
<title>Margin</title>
<definition>The amount you deposit with your broker so you can borrow money to buy stocks.</definition>
</term>
<term tNum="287032">
<title>Marginal rate</title>
<definition>The highest percentage rate at which any of your income is taxed. Marginal rates range from 15% to 39.6% in 2001.</definition>
</term>
<term tNum="288199">
<title>Market capitalization</title>
<definition>One way of valuing a corporation, determined by the market value of its outstanding common stock. The current market price of a company's common stock multiplied by the number of shares outstanding equals its market capitalization.</definition>
</term>
<term tNum="287034">
<title>Market value</title>
<definition>The price a buyer is willing to pay for an asset. Market values are readily available for most stocks, bonds, and mutual funds.</definition>
</term>
<term tNum="287033">
<title>Marketability risk</title>
<definition>The chance that there may not be a ready market for your investment when you want to sell it.</definition>
</term>
<term tNum="289372">
<title>Material participation</title>
<definition>Meeting the IRS guidelines for working in and being involved in a business activity on a regular basis, as opposed to being only an investor.</definition>
</term>
<term tNum="287035">
<title>Maturity date</title>
<definition>The date at which a bond, note, CD, or loan principal must be repaid.</definition>
</term>
<term tNum="287036">
<title>Menu</title>
<definition>A group of commands that you can choose from by clicking the menu heading at the top of your screen.</definition>
</term>
<term tNum="289200">
<title>Mid-cap fund</title>
<definition>A mutual fund that specializes in securities of firms with a market value of $1 billion to $5 billion.</definition>
</term>
<term tNum="289451">
<title>Mid-cap investment</title>
<definition>Investments in securities of firms with a market value of $1 billion to $5 billion.</definition>
</term>
<term tNum="287037">
<title>Modem</title>
<definition>Modulator/demodulator. A device that enables a computer to send and receive information over telephone lines.</definition>
</term>
<term tNum="288848">
<title>Money Express</title>
<definition>The Money window that appears when you start your computer or double-click the Money Express icon on the Windows taskbar. It reminds you of upcoming bills and deposits and lets you enter transactions directly without opening Money.</definition>
</term>
<term tNum="287038">
<title>Money market fund</title>
<definition>A type of mutual fund that invests in short-term securities and pays interest. In a brokerage account, any money that is not invested in securities is usually swept into a money market fund.</definition>
</term>
<term tNum="288849">
<title>Monthly Cash Flow report</title>
<definition>A report of the projected daily balance of your day-to-day accounts, calculated from scheduled bills and deposits and trends from past transactions or budgeted items.</definition>
</term>
<term tNum="287040">
<title>Municipal bond</title>
<definition>State or local government-issued debt. Interest from municipal bonds is not subject to federal income taxes and may not be taxable by your state, depending on its laws.</definition>
</term>
<term tNum="287041">
<title>Mutual fund</title>
<definition>A regulated investment company that pools the assets of investors and invests them. Mutual funds are managed by investment professionals and provide the advantage of diversification even with a relatively small investment.</definition>
</term>
<term tNum="287042">
<title>Navigation bar</title>
<definition>The bar at the top of the Money screen with the names of the following areas: Accounts & Bills, Investing, Planner, Taxes, and Reports.</definition>
</term>
<term tNum="289543">
<title>Necessary category</title>
<definition>An income or expense category that you have every month. For example, rent expense is a necessary expense category, as opposed to recreation, which is discretionary. All categories are marked as necessary by default until you change them.</definition>
</term>
<term tNum="287043">
<title>Net asset value</title>
<definition>The market value of an asset less liabilities associated with it.</definition>
</term>
<term tNum="287044">
<title>Net worth</title>
<definition>What you or your business own minus any liabilities.</definition>
</term>
<term tNum="287045">
<title>Next upcoming occurrence</title>
<definition>The next pending occurrence of a scheduled transaction.</definition>
</term>
<term tNum="289184">
<title>Non-amortized loan</title>
<definition>An interest-free, short-term loan or debt.</definition>
</term>
<term tNum="287046">
<title>Non-qualified stock options</title>
<definition>Stock options granted by corporations to employees that give the employees the option to purchase a certain number of shares of the corporation's capital stock at a stated price within a specified period of time.</definition>
</term>
<term tNum="287047">
<title>Occasional expenses</title>
<definition>Expenses you have during a typical year on an irregular basis, such as vacations, automobile repairs, and holiday gifts. Planning for these expenses helps you create a more accurate budget.</definition>
</term>
<term tNum="287048">
<title>Occurrences</title>
<definition>The times that a scheduled transaction will happen.</definition>
</term>
<term tNum="287049">
<title>Offering price</title>
<definition>The lowest price at which a security is offered to buyers. Also called the ask price.</definition>
</term>
<term tNum="288850">
<title>Online bill payment</title>
<definition>A service provided by your financial institution that lets you electronically pay bills from Money using both electronic payments (Epays) and automatic payments (Apays).</definition>
</term>
<term tNum="287050">
<title>Online quotes</title>
<definition>Investment prices (for stocks, for example) that are downloaded from the Internet.</definition>
</term>
<term tNum="287051">
<title>Online services</title>
<definition>Services provided by your bank or financial institution that let you do common banking tasks, such as paying bills, on the Web.</definition>
</term>
<term tNum="287052">
<title>Online statement</title>
<definition>A bank, investment, or credit card statement that you download from your bank or financial institution via the Internet.</definition>
</term>
<term tNum="287053">
<title>Opening balance</title>
<definition>The beginning balance for a Money account before any transactions.</definition>
</term>
<term tNum="287054">
<title>Opportunity cost</title>
<definition>The amount you could have earned by investing your money somewhere else.</definition>
</term>
<term tNum="287055">
<title>Opportunity risk</title>
<definition>The chance when you tie your money up in an investment that you may miss a better investment opportunity elsewhere.</definition>
</term>
<term tNum="287056">
<title>Option</title>
<definition>The right to purchase or sell something, such as a stock, at a predetermined price at some time in the future.</definition>
</term>
<term tNum="289452">
<title>Other investment classifications</title>
<definition>Investments that are not designated as strictly cash, bonds, or securities. Other investments may include balanced mutual funds (which may hold common stock, preferred stock, and bonds) and foreign stock.</definition>
</term>
<term tNum="287057">
<title>Par value</title>
<definition>The value of a bond at maturity. Bonds are usually issued with a $1,000 par value.</definition>
</term>
<term tNum="287058">
<title>Passive loss deductions</title>
<definition>Loss from passive activities, which are activities in which you do not materially participate. Passive activities include real estate rentals and limited partnerships, but not interest, dividends, wages, or income from a sole proprietorship.</definition>
</term>
<term tNum="287059">
<title>Payee</title>
<definition>The individual or business to whom a check is written or payment is made.</definition>
</term>
<term tNum="287061">
<title>Personal assets</title>
<definition>Property you own that has value, such as real estate, automobiles, antiques, and other items.</definition>
<definition>A sum equal to 1% of a loan amount that is charged to the borrower by the lender as a cost of obtaining the loan.</definition>
</term>
<term tNum="289202">
<title>Position tracking</title>
<definition>Following your stake in various investments.</definition>
</term>
<term tNum="287063">
<title>Postdated check</title>
<definition>A check written using a date in the future. Postdated checks reduce your account balance as if the checks have been paid.</definition>
</term>
<term tNum="287064">
<title>Power of attorney</title>
<definition>A legal document authorizing one person to act as another person's attorney or agent. You can give a specific power of attorney to someone, such as your accountant, to represent you on tax matters with the IRS.</definition>
</term>
<term tNum="287065">
<title>Preferred stock</title>
<definition>A class of stock that receives dividends at a specified rate prior to common stock, does not confer voting rights, and has preference over common stock in case of bankruptcy.</definition>
</term>
<term tNum="287066">
<title>Price/earnings ratio</title>
<definition>The most common indicator of how expensive a stock is, derived by dividing the price of a stock by its earnings per share. Investors are willing to accept a higher price/earnings ratio if they expect the company's earnings to increase.</definition>
</term>
<term tNum="287067">
<title>Principal</title>
<definition>The amount borrowed and still owed on a loan. Also, the portion of a loan payment that reduces the loan's outstanding balance.</definition>
</term>
<term tNum="289203">
<title>Principal factor</title>
<definition>The portion of your cost basis that has not been returned to you. For example, if you invest in mortgage-backed securities, part of every payment you receive is actually a return of your investment, or "principal." To accurately track the basis in your investment, you must reduce your principal factor by the portion of the principal that has been returned to you.</definition>
</term>
<term tNum="287068">
<title>Probate</title>
<definition>The court process in which a deceased person's estate is managed and distributed according to the will (or according to the law if there is no will).</definition>
</term>
<term tNum="288852">
<title>Profit and loss statement</title>
<definition>A report that shows the income, expenses, and net profit of a business over a period of time.</definition>
</term>
<term tNum="289186">
<title>Projection</title>
<definition>An estimate of future income and expenses, taxes, net worth, or other financial data.</definition>
</term>
<term tNum="288897">
<title>Proxy server</title>
<definition>A server that works between a computer's Web browser and a real server to improve Internet performance and filter requests.</definition>
</term>
<term tNum="288853">
<title>Put</title>
<definition>An option that gives you the right to sell a stock at a certain price by a given date. If the price of the stock goes down, you can buy the stock and then sell it at the higher option price. If the price of the stock remains the same or goes up, the option is worthless.</definition>
</term>
<term tNum="287069">
<title>Qualified employee stock option</title>
<definition>A type of employee stock option grant usually given to executive-level employees. You do not pay tax on qualified employee stock options until you sell the stock.</definition>
</term>
<term tNum="287070">
<title>Realized gain or loss</title>
<definition>Generally, gain or loss from a property you have sold. The value of property goes up and down, but you do not realize a gain or loss until you sell or dispose of it.</definition>
</term>
<term tNum="287071">
<title>Reconcile</title>
<definition>To verify that all transactions shown on your statement are properly recorded in Money and that the balances according to the current statement and account register agree, after adjusting for outstanding transactions.</definition>
</term>
<term tNum="287072">
<title>Reconciled transaction</title>
<definition>A transaction in an account register that has been verified by a statement from the bank or financial institution. A letter R in the C (Cleared) field indicates a reconciled transaction.</definition>
</term>
<term tNum="287073">
<title>Recurring transaction</title>
<definition>A payment, deposit, transfer, or investment purchase that is set up to occur with a specific frequency, such as monthly.</definition>
</term>
<term tNum="287074">
<title>Reinvestment</title>
<definition>Using interest or dividend payments from an investment, such as a mutual fund or a retirement plan, to purchase more shares of that investment.</definition>
</term>
<term tNum="287075">
<title>Relocation services</title>
<definition>A service used by corporations to help their employees move. Relocation services often buy homes from transferred employees and then sell the homes.</definition>
</term>
<term tNum="287076">
<title>REO</title>
<definition>Real estate owned, meaning that property has been foreclosed on by a bank and is now owned by the bank.</definition>
</term>
<term tNum="289204">
<title>Retirement account</title>
<definition>An account, usually tax-deferred, that you set up primarily to save for retirement, such as an IRA or a 401(k) account.</definition>
</term>
<term tNum="289205">
<title>Return of capital</title>
<definition>A distribution you receive from an investment that is not income, but rather a return of a portion of your investment. A return of capital is not taxable unless it exceeds your investment.</definition>
</term>
<term tNum="289545">
<title>Return on investment</title>
<definition>A company's earnings before interest, taxes, and dividends, divided by the amount invested in the company (common and preferred stock plus long-term funded debt). A useful tool for comparing the efficiency of companies.</definition>
</term>
<term tNum="289206">
<title>Risk tolerance</title>
<definition>Your willingness, based on your age, temperament, financial situation, and other factors, to accept a certain amount of risk so you can potentially receive a greater return on your investment.</definition>
</term>
<term tNum="287077">
<title>Roth IRA</title>
<definition>A type of Individual Retirement Account (IRA) to which you can contribute after-tax dollars and later withdraw funds tax free during retirement. Contributions are not tax deductible, but earnings grow tax free.</definition>
</term>
<term tNum="287078">
<title>RRSP</title>
<definition>A Canadian tax-deferred retirement plan. Contributions to an RRSP are deductible. RRSP earnings and capital are taxable when you take distributions, usually at retirement.</definition>
</term>
<term tNum="287079">
<title>Savings bond</title>
<definition>A bond issued and backed by the U.S. government, with a face value of $50 to $10,000. Interest income from U.S. savings bonds may be tax-deferred, depending on your circumstances and the type of savings bond.</definition>
</term>
<term tNum="287081">
<title>Schedule</title>
<definition>To set up a transaction (withdrawal, deposit, or transfer) that you expect to occur with a regular frequency.</definition>
</term>
<term tNum="288855">
<title>Schedule A</title>
<definition>The IRS form on which you report itemized deductions, such as deductions for mortgage interest, state taxes, and charitable giving.</definition>
</term>
<term tNum="288856">
<title>Schedule C</title>
<definition>The IRS form on which you report profit or loss from a sole proprietorship.</definition>
</term>
<term tNum="288857">
<title>Section 179 expense deduction</title>
<definition>An optional method of deducting the cost of certain business assets in the year you purchase them, rather than depreciating them over a period of time.</definition>
</term>
<term tNum="287082">
<title>Security</title>
<definition>An investment such as stocks, bonds, mutual funds, or options. Security also refers to the collateral that secures a loan (for example, your home is the security for your home mortgage).</definition>
</term>
<term tNum="287084">
<title>SEP plan</title>
<definition>Simplified Employee Pension Plan. A retirement plan similar to an IRA for self-employed individuals and their employees.</definition>
</term>
<term tNum="287083">
<title>Short sell</title>
<definition>A sale of a security you do not own yet to take advantage of an anticipated decline in the share price. You may profit from falling prices if the stock is worth less when you buy it later than when you sell it beforehand.</definition>
</term>
<term tNum="287080">
<title>SIMPLE</title>
<definition>Savings Incentive Match Plan for Employees. A simplified, tax-deferred retirement plan for employers of 100 or fewer employees who earn $5,000 of compensation or more during the year. Contributions to the plan are tax-deductible.</definition>
</term>
<term tNum="289207">
<title>Small-cap fund</title>
<definition>A mutual fund that specializes in securities of firms with a market value of less than $1 billion.</definition>
</term>
<term tNum="289453">
<title>Small-cap investment</title>
<definition>Investments in securities of firms with a market value of less than $1 billion.</definition>
</term>
<term tNum="289373">
<title>Sole proprietorship</title>
<definition>A business you operate that is not a partnership or corporation. You report income from a sole proprietorship on Schedule C of Form 1040.</definition>
</term>
<term tNum="287085">
<title>Split transaction</title>
<definition>A transaction (withdrawal, deposit, or transfer) to which you assign more than one category.</definition>
</term>
<term tNum="288860">
<title>Standard mileage rate</title>
<definition>An optional method of calculating your deductions for business vehicle expenses by using the number of miles driven rather than actual vehicle expenses.</definition>
</term>
<term tNum="287087">
<title>Standing order</title>
<definition>A type of order you can place with your broker to specify that you want to buy or sell a certain number of shares of stock when the stock reaches a certain price. The order is usually good for a limited period of time.</definition>
</term>
<term tNum="287088">
<title>Stock</title>
<definition>Shares of ownership in a corporation's earnings, assets, and liabilities. Stockholders of publicly held corporations may receive dividends and can generally sell their shares at any time.</definition>
</term>
<term tNum="287089">
<title>Stock dividend</title>
<definition>A dividend paid with shares of the issuing company's stock rather than cash. Stock dividends are generally not taxable.</definition>
</term>
<term tNum="289187">
<title>Stock option</title>
<definition>A right to buy a certain number of shares of stock at a locked-in price, usually within a specified period of time. You can purchase stock options or you may receive them from your employer.</definition>
</term>
<term tNum="287090">
<title>Stock split</title>
<definition>A transaction in which a corporation gives existing shareholders new shares resulting in stockholders owning more shares at a lower price. For example, if a company initiates a two-for-one split, it doubles the number of shares each shareholder owns and drops the price by half.</definition>
</term>
<term tNum="287091">
<title>Stock symbol</title>
<definition>Also known as the ticker symbol. The letters that identify a corporation's stock for quotes and trading purposes.</definition>
</term>
<term tNum="287092">
<title>Strike price</title>
<definition>The price at which a stock can be purchased as defined for an employee stock option grant or other option.</definition>
</term>
<term tNum="287093">
<title>Subcategory</title>
<definition>A subset of an income or expense category. For example, Gasoline and Maintenance could be subcategories of Automobile expenses.</definition>
</term>
<term tNum="287094">
<title>Subclass</title>
<definition>A subset of a class in a classification. For example, if you own rental property, you might set up a Property classification with: "Maple Street condominium" as a class, and Water, Maintenance, and Electricity as subclasses.</definition>
</term>
<term tNum="288898">
<title>Surplus income</title>
<definition>The amount of income remaining after your projected expenses are subtracted from your projected gross income.</definition>
</term>
<term tNum="287095">
<title>Taskbar</title>
<definition>The bar that contains the Windows Start button. It is usually at the bottom of your screen and may contain toolbars and various icons.</definition>
</term>
<term tNum="287096">
<title>Tax audit</title>
<definition>An examination of your return by the IRS.</definition>
</term>
<term tNum="288862">
<title>Tax Estimator</title>
<definition>Money's feature that uses the financial information you track in Money to estimate your tax liability.</definition>
</term>
<term tNum="289188">
<title>Tax liability</title>
<definition>The amount of income tax you owe for a tax year, before deducting estimated tax payments and tax withholding.</definition>
</term>
<term tNum="289189">
<title>Tax withholding</title>
<definition>Federal, state, and local income taxes that are taken out of your wages or other income and deposited in an IRS account.</definition>
</term>
<term tNum="289190">
<title>Tax Withholding Estimator</title>
<definition>Money's feature that helps you determine how much you should have withheld from your paycheck and how to fill out your Form W-4 to have that amount withheld.</definition>
</term>
<term tNum="287097">
<title>Tax-deferred</title>
<definition>Delaying tax liability to a later year. Unlike tax-exempt investments, tax-deferred investments such as 401(k) plans and IRAs are eventually subject to tax.</definition>
</term>
<term tNum="288861">
<title>Tax-deferred annuity</title>
<definition>A contract in which you make a payment or series of payments now and receive a payment or series of payments later. Money invested in a qualified annuity grows tax free.</definition>
</term>
<term tNum="287099">
<title>Tax-exempt</title>
<definition>Not subject to federal income tax; for instance, the interest from certain municipal bonds.</definition>
</term>
<term tNum="287105">
<title>T-bill</title>
<definition>Treasury bill. A type of U.S. government obligation that is paid back within one year.</definition>
</term>
<term tNum="289208">
<title>Ticker symbol</title>
<definition>A set of letters that identifies a publicly traded stock.</definition>
</term>
<term tNum="287101">
<title>Title bar</title>
<definition>The horizontal bar at the top of your screen that contains the title of the application or file name.</definition>
</term>
<term tNum="287102">
<title>Title insurance</title>
<definition>Insurance that indemnifies your property in the event of a challenge to the clear title.</definition>
</term>
<term tNum="287103">
<title>Transaction</title>
<definition>Deposit, transfer, purchase, withdrawal, or other activity in an account.</definition>
</term>
<term tNum="287300">
<title>Transaction form</title>
<definition>The form at the bottom of the account register used for entering transactions.</definition>
</term>
<term tNum="287104">
<title>Transfer</title>
<definition>To move money between accounts.</definition>
</term>
<term tNum="287106">
<title>Treasury bond</title>
<definition>A type of U.S. government obligation that has a maturity period of more than 10 years and pays interest on a semi-annual basis.</definition>
</term>
<term tNum="287107">
<title>Treasury note</title>
<definition>A type of U.S. government obligation that has a maturity period of from 1 to 10 years and pays interest on a semi-annual basis.</definition>
</term>
<term tNum="287108">
<title>Trust</title>
<definition>A separate, taxable entity that holds property to be managed and distributed to beneficiaries.</definition>
</term>
<term tNum="287109">
<title>Trust deed</title>
<definition>A legal document that specifies, among other things, the collateral for a loan.</definition>
</term>
<term tNum="287110">
<title>Unearned income</title>
<definition>Income such as dividends, interest, royalties, rental fees, and capital gains, as opposed to earned income such as wages, tips, and salaries.</definition>
</term>
<term tNum="287111">
<title>Unrealized gain or loss</title>
<definition>The profit or loss you would have from an investment if you sold it for its current market value.</definition>
</term>
<term tNum="287112">
<title>VAT</title>
<definition>Value added tax. A tax common in the European Common Market that is levied on the value added to a product at each stage of its manufacturing cycle as well as when it is purchased by the consumer.</definition>
</term>
<term tNum="287113">
<title>Vest</title>
<definition>The right an employee acquires by length of service at a corporation to receive employer-contributed benefits such as employee stock option grants, employer contributions to a retirement plan, or profit-sharing plans.</definition>
</term>
<term tNum="288864">
<title>Vested value</title>
<definition>The amount of retirement benefits or stock options to which an employee is entitled, usually based on length of service.</definition>
</term>
<term tNum="287115">
<title>Void</title>
<definition>To keep a record of a transaction but not include the transaction amount in the account balance. For example, voiding a transaction when you stop payment on a check keeps a record of the check, but marks the check as void and does not reduce your balance by the amount.</definition>
</term>
<term tNum="287116">
<title>Volatility</title>
<definition>The tendency of an investment, commodity, or market to rise or fall sharply in price within a short-term period. The more volatility a stock has, the more it tends to have rapid and extreme price fluctuations. A measure of the relative volatility of a stock to the overall market is its beta.</definition>
</term>
<term tNum="289191">
<title>W-2 form</title>
<definition>The Wage and Tax Statement that your employer sends to you and the IRS at the end of the year to report your annual wages, payroll deductions, and other information.</definition>
</term>
<term tNum="289192">
<title>W-4 form</title>
<definition>The Employee's Withholding Allowance Certificate, which you file with your employer so the employer can calculate the amount of tax to withhold from your pay.</definition>
</term>
<term tNum="287117">
<title>Web bar</title>
<definition>The toolbar across the top of Money's internal Web browser containing the browser controls. It is available only when the internal Web browser is visible.</definition>
</term>
<term tNum="288866">
<title>Web browser</title>
<definition>The program that lets you find and view Web pages on the Internet.</definition>
</term>
<term tNum="287118">
<title>Web financial services</title>
<definition>The ability to do common banking tasks from your computer on a Web site provided by your financial institution.</definition>
</term>
<term tNum="287119">
<title>Web payment</title>
<definition>A payment entered on your financial institution's Web Financial Services Web site. Web payments are sent to your financial institution via the Internet. You can download the details of Web payments into your Money account register.</definition>
</term>
<term tNum="287120">
<title>Web statements</title>
<definition>Bank, brokerage, credit card, and other statements that you can download from your financial institution's Web site.</definition>
</term>
<term tNum="288899">
<title>Whole life</title>
<definition>A type of life insurance that includes two parts: the term portion (a fixed amount of benefits to be paid to beneficiaries) and a cash value portion based on investment returns.</definition>
</term>
<term tNum="289209">
<title>Winsock</title>
<definition>Windows Socket. Code that allows you to access your Internet browser using the standard Windows commands in a program.</definition>
</term>
<term tNum="289185">
<title>Withholding allowances</title>
<definition>Allowances you claim on your Form W-4 to tell your employer how much tax to withhold from your paycheck. The more allowances you claim, the less tax is withheld.</definition>
</term>
<term tNum="289547">
<title>XML data</title>
<definition>Data coded using extensible markup language. This type of data can be included in text files to make sharing information between computers easier.</definition>
</term>
<term tNum="289210">
<title>Yield to maturity</title>
<definition>The rate of return you would receive from a long-term interest-bearing investment, such as a bond, if you held it to maturity.</definition>
</term>
<term tNum="289211">
<title>Zero-coupon bond</title>
<definition>A bond that has no stated interest rate and that is sold for substantially less than its face value. Every year as the bond gets closer to maturity, it increases in value.</definition>
