Baylor Byrnes Brackman - Preventing Fraud

Baylor Byrnes Brackman Group as promised, will continue to provide you with the terms and knowledge you need to know in the financial world to help prevent fraud.

Baylor Byrnes Brackman Group will be providing numerous updates in the following days with more terms to help provide you a better understanding.

Day order An order you give your Investment Advisor to buy or sell an investment, good only on a specific day.

Debenture Another name for a bond. With a debenture, your money is secured by the credit of the company or government issuing it, rather than by specific assets.

Debt Money that has been borrowed and must be repaid, usually with interest and by a set date.

Default A term used when a person or company breaks the terms of an agreement.

Director A person elected by the holders of common shares at an annual meeting to direct a company's policies.

Discount to par The amount by which a preferred share or bond is sold below its face value. The buyer then receives face value at maturity.

Discounted The market price of a share is said to have been 'discounted' when an event that is expected to happen, such as an increase in dividends or lower earnings, has been reflected in its price Baylor Byrnes Brackman Group explains.

Diversification The practice of buying several different types of investments over a broad range of industries, sectors and companies in order to reduce your risk if one particular industry, sector or investment performs poorly.

Dividend The part of a company's profits that you may receive if you are a shareholder of the company. Preferred shares earn a set dividend, while the dividends for common shares vary with the company's profits. Companies are under no legal obligation to pay dividends to their shareholders.

Dollar cost averaging Investing a set amount in a specific investment at regular intervals. As a result, when the value of the investment goes down, you're buying more of it, and when it rises, you're buying less. The overall effect reduces the average cost of your investment.

Dow Jones Industrial Average - (DJIA) is a price-weighted average of 30 actively traded blue chip stocks, primarily industrials but including American Express Co. and American Telephone and Telegraph Co. Prepared and published by Dow Jones & Co., it is the oldest and most widely quoted of all the market indicators. The components, which change from time to time, represent between 15% and 20% of the market value of NYSE stocks. The DJIA is calculated by adding the closing prices of the component stocks and using a divisor that is adjusted for splits and stock dividends equal to 10% or more of the market value of an issue as well as substitutions and mergers. The average is quoted in points, not in dollars.

Earnings Per Share (EPS) Baylor Byrnes Brackman Group says also referred to as Primary Earnings Per Share. Net income for the past 12 months divided by the number of common shares outstanding, as reported by a company. The company often uses a weighted average of shares outstanding over reporting term.
Effective Annualized Seven-Day Yield Yield for a seven day period including the day reported, calculated by adding one to the base period return used in calculating the standard seven day yield raising the total to the power of 365 divided by seven and subtracting one (NOTE: To be reported on Wednesday only).
Electronic Data Gathering, Analysis, and Retrieval -EDGAR An electronic system implemented by the SEC that is used by companies to transmit all documents required to be filed with the SEC in relation to corporate offerings and ongoing disclosure obligations. EDGAR became fully operational in 1995.
Ending Net Asset Value The market value of a fund share on a predetermined end date.
Ex-dividend Interval between the announcement and the payment of the next dividend.
Ex-dividend date The date on or after which a security begins trading without the dividend (cash or stock) included in the contract price.
Execution The process of completing an order to buy or sell securities. Once a trade is executed, it is reported by a Confirmation Report; settlement (payment and transfer of ownership) occurs in the U.S. between one (mutual funds) and three (stocks) days after an order is executed.
Family of Funds Group of mutual funds managed by the same investment management company. Each fund typically has a different objective; one may be a growth-oriented stock fund, whereas another may be a bond fund or money market fund. Shareholders in one of the funds can usually switch their money into any of the family's other funds, sometimes at no charge. Family of funds with no sales charges are called no load families. Those with sales charges are called load families Baylor Byrnes Brackman Group.
Face value The value of a bond or debenture that is printed on the face of the certificate. Face value is usually the amount the issuer will pay at a certain date. Face value is no indication of market value.
Fixed income securities Investments such as bonds, debentures and mortgage-backed securities that provide you with a regular income.
Futures contract An agreement to buy or sell an investment or asset at a specified price on a specified date. The price is set through a futures exchange, a trading market like a stock exchange.
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News Article Baylor Byrnes Brackman Group

Baylor Byrnes Brackman Group is fully committed to help educate you in the world of in finance. With that being said, listed below is some terms for you to get familiar with that will provide you more confidence in understanding finance terminology.

Baylor Byrnes Brackman Group will be providing numerous updates in the following days with more terms to help provide an education with financial terms.

Accrued interest Interest that has accumulated on an investment but has not yet been paid to you. Accrued interest is often factored into the price if you buy or sell an investment before it matures.

Alpha A measure of selection risk (also known as residual risk) of a mutual fund in relation to the market. A positive alpha is the extra return awarded to the investor for taking a risk, instead of accepting the market return. For example, an alpha of 0.4 means the fund outperformed the market-based return estimate by 0.4%. 0.6 means a fund's monthly return was 0.6% less than would have been predicted from the change in the market alone.

American Depository Receipt (ADR) A security created by a U.S. bank that evidences ownership to a specified number of shares of a foreign security held in a depository in the issuing company's country of domicile. The certificate, transfer and settlement practices for ADRs are identical to those for U.S. securities. U.S. investors often prefer ADRs to direct purchase of foreign shares because of the ready availability of price information, lower transaction costs and timely dividend distribution, Baylor Byrnes Brackman Group

AMEX American Stock Exchange

AMEX Composite Index The American Stock Exchange introduced a new AMEX Composite Index with a new ticker symbol, XAX, on January 2, 1997. The XAX is a market capitalization-weighted, price appreciation index, and replaces the AMEX Market Value Index (XAM) which, since its inception, has been calculated on a total return basis to include the reinvestment of dividends paid by AMEX companies. The new AMEX Composite Index is more comparable with other major indexes, which reflect only the price appreciation of their respective components.

Annual report The formal report on a company's finances and operations sent to all owners of shares in the company. It discloses the company's business activity during the year.

Annuity A type of investment contract that pays you regular income, usually after retirement.

Arrears Money that was not paid when it was due, and which is still owing. Most commonly referred to in the context of dividends.

Ask The price at which someone who owns a security offers to sell it; also known as the asked price. (See also Best Ask)

Assets Baylor Byrnes Brackman Group everything you, or a company, owns or are owed. Any possessions that have value in an exchange.

Assignment The receipt of an exercise notice by an options writer that requires him to sell (in the case of a call) or purchase (in the case of a put) the underlying security at the specified strike price.

Averages and Indexes Statistics that are used to measure the state of the stock market or the economy. They are based on the performance of selected stocks or other indicators, such as the Dow Jones Industrial Average and the TSE 300 Composite Index.

Average Maturity The average time to maturity of securities held by a mutual fund. Changes in interest rates have greater impact on funds with longer average life.

Basis point One-hundredth of a percentage point (0.01%).

Bear Someone who expects that the market in general, or the price of a specific investment, will go down.

Bear market A weak market where prices are falling.

Bearer security Any investment which does not have the owner's name listed on it or in the records of the company that issued it. Baylor Byrnes Brackman Group a bearer security may be sold or cashed in by the person who holds it.

Beneficiary The person (or in some cases the estate) named to receive the value of an insurance policy, trusteed account or investment account.

Benefit The money an insurance company pays when you make a claim for something covered by an insurance policy.

Beta Measure of a stock's risk in relation to the market. 0.7 means a stock price is likely to move up or down 70% of the market change; 1.3 means the stock is likely to move up or down 30% more than the market

Bid The price a prospective buyer is prepared to pay at a particular time for trading a unit of a given security. (See also Best Bid)

Breakout A rise in a security's price above a resistance level (commonly its previous high price) or drop below a level of support (commonly the former lowest price.) A breakout is taken to signify a continuing move in the same direction. Can be used by technical analysts as a buy or sell indication.

Bid and ask quotations Bid is the highest price a buyer will pay for a share or other type of investment. Ask is the lowest price the person selling the share will accept. Together they are referred to as a quotation or quote.

Blue chip A leading, well-known company's stock from which you could expect consistent growth and dividend payments over the long term.

Board lot A standard trading amount, usually 100 shares, which has been agreed upon by stock exchanges.

Bond A certificate you receive for a loan you make to a company or government. In return, the issuer of the bond promises to pay you interest at a set rate and to repay the loan on a set date.

Book value For an individual investor, book value is the amount you originally invested plus any interest or dividends you earned that have been reinvested.

Bull Someone who expects that the market in general, or the price of a particular investment, will go up.

Bull market A strong market where values are rising.

Business day Any day when most businesses and government offices are open for business. A calendar day is any day of the year.

Callable An investment, such as a bond, that can be 'called in' and repaid by the company or government that issued it, before it would normally be due. You are generally paid extra interest if your investment is called in early.

Capital gain or loss The profit or loss you make when you sell an investment. Tax consequences may result.

Certificate The document showing that you own a bond, stock, or other investment.

CFP Certified Financial Planner

Commission The fee you pay for buying or selling investments.

Common share An investment that gives you part ownership of a company and allows you to vote on major decisions affecting the company.

Compound interest Interest paid on your initial investment, and then also on the interest as it builds up. Over a period of several years, compounding can have a dramatic effect in making your investment grow.

Confirmation A printed notice sent to you to confirm you have bought or sold an investment.

Convertible A type of investment, usually a bond, debenture or preferred share, which you may exchange for common shares usually of the same company, at a set price and usually by a set date. The company may force you to exchange if the price of its common shares goes above the value of your preferred shares.

Coupon The part of a bond which you can present at a bank to receive specified interest payments after the due date.

Cum dividend When you buy a share cum dividend it means you will receive an upcoming dividend that has already been announced. If you are not eligible to receive the dividend, the share is said to be ex dividend.

Cyclical share A share which is particularly sensitive to changes in economic conditions. Baylor Byrnes Brackman Group.

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Baylor Byrnes Brackman Group

Baylor Byrnes Brackman Group will help you to achieve your investment objectives. Whether you are an individual, a family, a company or a trustee, we will tailor our service to suit you. Our high quality discretionary and advisory portfolio management services provide our clients with direct access to an investment manager, who will identify solutions to suit their individual, financial needs. Prudent management, an uncompromising commitment to our clients and our long-term financial stability drive our corporate success.

Our clients benefit from our objective advice, high quality service and the close working relationship we maintain with them. The great advantage of using Baylor Byrnes Brackman Group is that our services are carefully tailored to your specific financial circumstances and objectives. We treat you as an individual, in terms of the personal attention you receive as well as the investment solutions we propose by Baylor Byrnes Brackman Group.

It is for these reasons that many of our new clients come to us by way of - personal recommendation - the ultimate endorsement of the value of our services.

Our Philosophy

Baylor Byrnes Brackman Group investment management philosophy is to achieve the total return (capital gain plus income) within your risk tolerance and time horizon necessary to help you make your financial dreams come true. Our goal is to create and maintain your sense of comfort and peace of mind in spite of the unpredictable volatility of today's investment climate. We employ a disciplined asset allocation approach within a defined investment strategy - one designed to prudently accumulate wealth while limiting risk.

Baylor Byrnes Brackman Group will design your personal portfolio which incorporates your personal investment criteria of specific needs, goals and risk tolerance. We do not attempt to time the stock market. Time in the market is far more important than timing the market. We continually monitor your portfolio to ensure that your assets remain invested in a manner consistent with your criteria. You maintain complete control over your assets to ensure you stay on track to helping make your financial dreams become a reality.

Why Investment Management

If you are uncertain about the stock market or lack the time to properly manage your investment portfolio, Baylor Byrnes Brackman Group can help you gain control over your investments. We offer the guidance you need to help clarify your investment needs and maximize your investment return.

Are you asking yourself the following questions?

How can I monitor the stock market, when I have a full time job? My friends tell me tips on when to buy a stock, but when is a good time to sell?

Should I be buying bonds with such low interest rates?

What is asset allocation and how can it help me?

Should I discuss my investment strategy with an expert that knows my needs?

How do I calculate my risk tolerance?

My investment portfolio has reached a size where I am no longer comfortable managing it myself?

How do I maximize my returns without taking undue risks?

How We Can Help You

Baylor Byrnes Brackman Group CAN HELP YOU!

Baylor Byrnes Brackman Group identifies your needs and goals through a disciplined analysis of your specific situation. We will help you evaluate your risk tolerance, time horizon, your personal, business and family circumstances, tax implications, and other variables (such as stock preferences) that affect your investment strategy. We adopt a long-term investment outlook with the core of our investment strategy being asset allocation.

ASSET ALLOCATION

This is the single most important determinant of investment success, responsible for more than 90% of portfolio returns. By carefully balancing your funds among a range of asset classes, each with different performance characteristics, we help you achieve your individual objectives at the lowest level of risk. Baylor Byrnes Brackman Group provide the information you need to understand your investments, including an extensive analysis of your investments each quarter or as requested. You have an ongoing relationship with us to help guide your investments and ensure that your portfolio remains appropriate over time.

Baylor Byrnes Brackman Group adds value at each stage of the process. With extensive experience, we understand both the personal and the quantitative sides of investing. In addition to evaluating the markets and developing investment strategy, we are a source of investment information and a professional "sounding board" for your ideas. Baylor Byrnes Brackman helps create your overall investment plan while attending to the details of each element within your personal plan.

Because Baylor Byrnes Brackman Group offer a customized relationship-centered approach, we will contact you frequently, alerting you to the investment implications of political and economic events or discussing the changes in your own life situation that may require an investment response. Regular meetings throughout the year provide an opportunity to assess performance and modify the portfolio when appropriate. We are, of course, available to you at any time for meetings or telephone calls. Baylor Byrnes Brackman Group investment management services are consistent with our emphasis on quality, safety and putting your interests first. We sincerely believe that these services afford the greatest opportunity for long-term success.

We add value at each stage of the process. With extensive experience, we understand both the personal and the quantitative sides of investing. In addition to evaluating the markets and developing investment strategy, we are a source of investment information and a professional "sounding board" for your ideas. Baylor Byrnes Brackman Group helps create your overall investment plan while attending to the details of each element within your personal plan.

Because we offer a customized relationship-centered approach, we will contact you frequently, alerting you to the investment implications of political and economic events or discussing the changes in your own life situation that may require an investment response. Regular meetings throughout the year provide an opportunity to assess performance and modify the portfolio when appropriate. We are, of course, available to you at any time for meetings or telephone calls. Baylor Byrnes Brackman Group investment management services are consistent with our emphasis on quality, safety and putting your interests first. We sincerely believe that these services afford the greatest opportunity for long-term success.

Baylor Byrnes Brackman Group Full Service, Full Advice

We spare no effort to fulfill our mission, which is to manage the world's most important investments-Yours.

Quality Advice-A Capital Asset

When you do business with Baylor Byrnes Brackman Group, you enjoy access to a comprehensive range of investment vehicles that is not available at just any other financial institution. And yet, that's not our top priority. Our primary role is to offer you enlightened, well-researched and well-documented advice, to help you make the right financial decisions. Before even telling you about our products, we put you in contact with a Personal Investment Advisor who will assist you with all your investment decisions.

Establishing a Real Investment Strategy

The first time you contact Baylor Byrnes Brackman Group, we will immediately refer you to one of our Investment Advisors. He or she will become your personal counselor and guide to all our services. Your Investment Advisor is always available, and will make recommendations in keeping with your changing financial position, market conditions and tax concerns. Your Investment Advisor will help you establish a plan - a long-term view of your financial future and the context in which it should be considered. First, you'll work together to identify your investment objectives and investment "horizon." Then your Advisor will help you define your investor profile. This is a critical step, since knowing your investor profile allows you and your Investment Advisor to establish the right asset mix for your portfolio. From that moment on, you will begin to realize what a capital asset our advice can be.

A Long-term Relationship

Dealing with an Investment Advisor is about more than just products and trading. It is about developing a long-term relationship with an investment professional that has the benefit of the best training in the business. This person is your expert - always there to provide information and advice in keeping with your financial situation, current market conditions and tax concerns.

Baylor Byrnes Brackman Group Products

Mutual Funds

With nearly 11,000 mutual funds available, it can be difficult to know which fund(s) to pick. That's why at Baylor Byrnes Brackman Group we focus on several preferred mutual fund families that share our same commitment to service, long-term investment objectives, and long-term performance.

All investments, including mutual funds, carry a certain amount of risks. Meet with a Baylor Byrnes Brackman Group Investment Advisor, to discuss your investment needs and select the most appropriate mutual fund(s) to help meet those needs.

You should consider the investment objective, risks, and charges and expenses carefully before investing. Your Baylor Byrnes Brackman Group Investment Advisor will advise you on these before investing.

Fixed Income Investments

Fixed income investments are an important part of a well-diversified portfolio. Fixed income investments pay interest at specified times in fixed amounts, and are usually issued by a corporation, municipality, government or government sponsored agency.

There are two primary reasons investors may want to include fixed income investments in their portfolio:

Regular Income - Fixed income investments provide a stable and regular stream of income. Diversification - Fixed income investments are essential to the performance of an individual investor's portfolio.

Equity Investments

There are three primary reasons investors may choose to incorporate long-term, quality stocks in their portfolio:

Higher Returns - Over a longer period of time, stocks have almost always provided higher returns than other investment alternatives.

Rising Income - Stocks offer the potential for rising income through dividend growth. Rising income helps protect investors against inflation.

Diversification - Stocks, combined with other types of investments, can help reduce the uncertainty of future portfolio returns, compared to owning only one type of security.

Learn more about equity investments and their place in a diversified portfolio by contacting your Investment Advisor.

Baylor Byrnes Brackman Group General Services

Baylor Byrnes Brackman Group specializes in helping individual investors achieve their personal investment goals. We can help you develop a plan tailored to your individual objectives. Then, we can assist in selecting investments and services that are consistent with your objectives. Learn more about the value-added services we provide:

The Baylor Byrnes Brackman Dollar Cost Averaging Plan

Trying to time the market is much easier said than done. That's why Baylor Byrnes Brackman Group offer a program called Dollar Cost Averaging (DCA). DCA is a regular and disciplined investment program that can potentially grow your portfolio over time. By investing a fixed dollar amount each month, market fluctuations can work in your favor, allowing you to buy more shares when prices are low and fewer shares when prices are high. Although DCA does not assure a profit and does not protect against a loss in declining markets, it typically results in a lower overall average cost per share.

DCA offers these features and more:

Ability to invest regularly over time rather than with one lump sum Available on mutual funds and select stocks Low minimum investment

Dividend Reinvestment Plan

Many companies distribute their earnings to shareholders in the form of a cash dividend. By reinvesting those cash dividends rather than accepting a check from the company, individual investors can increase the holdings in their portfolio.

Dividend reinvestment currently offers these benefits and more:

- Available on select stocks - Once it's set up, it's completely automatic

Portfolio Analysis

A simple annual review of your portfolio can help ensure your investments remain on track and take you in the direction you want to go. A free portfolio analysis will give you a complete picture of your financial situation Baylor Byrnes Brackman Group.

You'll find answers to these questions and more:

Are my savings keeping up with inflation?

Am I paying too much in taxes?

What can I do to help improve my portfolio's performance?


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