guide to lease buy invest

Day trader
When you buy and sell an investment within a very short time, sometimes as short as a few minutes or perhaps a few hours, you're considered a day trader. The strategy is to take advantage of rapid price changes to make money quickly. In the past, professional investors did most of the day trading, but as online trading has gained popularity, many more individuals, usually referred to as electronic day traders, do it as well.

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Debenture
A debenture is an unsecured bond. Most bonds issued by large corporations are, in fact, debentures, which are backed by the corporation's reputation rather than secured by any collateral, such as the company's buildings or its inventory. Although debentures sound riskier than secured bonds, they generally aren't, since they are usually issued by well-established companies with good credit ratings.

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Debit
A debit is the opposite of a credit. For example, a debit can be an account balance representing money you owe a lender, or it can be the amount you owe your broker for securities you have bought on margin.

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Debt
A debt is an obligation to repay an amount you owe. Debt securities, such as bonds, notes, and commercial paper, are all forms of debt that bind the issuing organization, such as a corporation, bank, government, or government agency, to repay the holder of the security. Debts are also known as liabilities.

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Debt security
Debt securities are interest-paying bonds that are issued by governments or corporations. Debt securities generally pay a fixed rate of interest over a fixed time period in exchange for the use of the principal. That principal, or par value, is repaid at maturity. US Treasury bills, corporate bonds, commercial paper, and mortgage-backed bonds are examples of debt securities.

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Debt-to-equity ratio
You find a company's debt-to-equity ratio by dividing its total long-term debt by its total assets minus its total debt. You can find these figures in the company's income statement provided in its annual report. The ratio indicates the extent to which a company is leveraged, or financed by credit. A higher ratio is a sign of greater leverage, which may mean a fast-growing company or one that is overextended.

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Decimal pricing
US stocks and derivatives linked to stocks trade in decimals, or dollars and cents. That means that the spread between the bid and ask prices can be as small as one cent.

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Deductible
When you have health insurance, you usually have to pay a certain dollar amount of your medical expenses each year before your insurance company starts to pay its share. The amount you must pay out-of-pocket is called your deductible.

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Deep discount bond
Deep discount bonds are originally issued with a par value, or face value, of $1,000. But they decline in value by at least 20% $800 or less typically because interest rates have increased, or because people believe the company may have difficulty making the interest payment or repaying the principal. As a result, investors will no longer pay full price for the bond.

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Deferred annuity
Unlike an immediate annuity, which starts paying you income right after you buy it, a deferred annuity contract allows you to accumulate tax-deferred earnings during the term of the contract and sometimes add assets to your contract over time. Your deferred annuity earnings can be either fixed or variable, depending on the way your money is invested. Deferred annuities are designed primarily as retirement savings accounts, so you may owe a penalty if you withdraw earnings before you reach age 59 1/2.

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