Acknowledgments

A tolerant group of relatives and friends helped me to interpret various published documents about different financial instrument rules’ calculations and then read my drafts and commented on whether or not I was explaining things more clearly. This group includes my wife Suzanna, my daughter and son-in-law Gillian and Aaron Madsen, and my friends Mel Slater and Chip Shanley.

Susanne Steitz-Filler at John Wiley and Sons has been patient and helpful as the structure of this book evolved from my original ideas.

I thank you all.

List of Abbreviations

ADB

APR

ARM

ATM

CD

Cmpds

CORR

COL

DB

EAPR

HECM

HUD

IAWPC

INC

Int or INT

IOU

IRA

Mnth

NAPR

Nr

NrPmts

PMT

PV

SEC

SEP

Tot or TOT Vol

Average Daily Balance Annual Percentage Rate Adjustable Rate Mortgage Automatic Teller Machine Certificate of Deposit Compoundings Corrected Cost of Living Daily Balance

Effective Annual Percentage Rate

Home Energy Conversion Mortgage

(Department of) Housing and Urban Development

Immediate Annuity with Period Certain

Income

Interest

I Owe You (a promissory note)

Individual Retirement Account Month

Nominal Annual Percentage Rate—same as APR Number

Number of Payments

Payment

Present Value

(U. S.) Securities and Exchange Commission

Single Employer Pension

Total

Volume (number of shares traded in a given time)

xvn

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