ADR - American Depository Receipt AIG - American International Group AIR - Assumed Interest Rate AMEX - American Express

(credit card) APR - Annual Percentage Rate ARM - Adjustable Rate Mortgage ATM - Automated Teller Machine CB - Carte Blanche (as in Diner's Club Carte Blanche credit card) CBD - Commerce Business Daily CD - Certificate of Deposit CDSC - Contingent Deferred Sales Charge CFP - Certified Financial Planner CMO - Collateralized Mortgage Obligation CUSIP - Committee on Uniform Securities Identification Procedures DB - Defined Benefit (retirement plan; for example, a pension) DC - Defined Contribution (retirement plan; for example, a 401(k) plan) DCA - Dollar Cost Averaging DR - The Daily Reckoning DTCC - Depository Trust & Clearing Corporation EFT - Electronic Funds Transfer EPS - Earnings Per Share ERISA - Employee Retirement Income Security Act of 1974 ETF - Exchange Traded Funds FASB - Financial Accounting Standards Board FDIC - Federal Deposit Insurance Corporation FIFO - First In, First Out FOMC - Federal Open Market Committee FOREX - Foreign Exchange FRB - Federal Reserve Board GDP - Gross Domestic Product GL - General Ledger

GNP - Gross National Product GO - General Obligation Bond GUDD - Gold Up, Dollar Down IA - Investment Adviser IBD - Investors Business Daily IFS - Infiniti Financial Services IMF - International Monetary Fund ING International Nederland Group (a financial company) IOU - I Owe You IPO - Initial Public Offering IRA - Individual Retirement Account JTWROS - Joint Tenants With Rights of Survivorship LOI - Letter Of Intent MMKT - Money Market MPT - Modern Portfolio Theory MSI - Multiple Streams of Income NASD - National Association of Securities Dealers NASDAQ - National Association of Securities Dealers Automated Quotation (system) NAV - Net Asset Value NL - No Load NMAC - Nissan Motor Acceptance Corporation NYSE - New York Stock Exchange OPM - Other People's Money OSJ - Office of Supervisory Jurisdiction OTC - Over the Counter PBGC - The Pension Benefit Guaranty Corporation PE - Price to Earnings (Ratio) PMI - Private Mortgage Insurance POP - Public Offering Price PPT - Plunge Protection Team (an unknown buyer who "makes the market" during sharp downturns)

PSP - Profit Sharing Plan REIT - Real Estate Investment Trust ROE - Return on Equity ROI - Return on Investment RR - Registered Representative S&P - Standard & Poor's SAI - Statement of Additional Information SEC - Securities Exchange Commission SEP - Simplified Employee Pension SEQUINS - Select Equity Indexed Notes SIPC - Securities Investor Protection Corporation SRO - Self-Regulatory Organization STC - Securities Training Corporation TSA - Tax-Sheltered Annuity UGMA - Uniform Gifts To Minors Act UTMA - Uniform Transfers To Minors Act WAC - With Approved Credit WSJ - Wall Street Journal YTM - Yield To Maturity FINANCE TERMINOLOGY (NABARD) National Bank for Agriculture and Rural Development (APSFC) Andhra Pradesh State Financial Corporation (IFCI) Industrial Finance Corporation of India Limited (SIDBI) Small Industries Development Bank of India (IIBI) Industrial Investment Bank of India (NHB) National Housing Bank (NABARD) National Bank for Agriculture and Rural Development (ECGC) Export Credit and Guarantee Corporation (DICGC) Deposit Insurance and Credit Guarantee Corporation of India

(SIDCs) State Industrial Development Corporations (GATS) General Agreement on Trade` in Services