Whois & Analysis for americanfinancing.net

A mortgage loan, also referred to as a mortgage, is used either by purchasers of real property to raise funds to buy real estate; or alternatively by existing property owners to raise funds for any purpose, while putting a lien on the property being mortgaged.

The loan is "secured" on the borrower's property.

This means that a legal mechanism is put in place which allows the lender to take possession and sell the secured property ("foreclosure" or "repossession") to pay off the loan in the event that the borrower defaults on the loan or otherwise fails to abide by its terms.

The word mortgage is derived from a "Law French" term used by English lawyers in the Middle Ages meaning "death pledge", and refers to the pledge ending (dying) when either the obligation is fulfilled or the property is taken through foreclosure.

Finance is a field that deals with the study of investments.

It includes the dynamics of assets and liabilities over time under conditions of different degrees of uncertainty and risk.

Finance can also be defined as the science of money management.

Finance aims to price assets based on their risk level and their expected rate of return.

Finance can be broken into three different sub-categories: public finance, corporate finance and personal finance.

A salary is a form of periodic payment from an employer to an employee, which may be specified in an employment contract.

It is contrasted with piece wages, where each job, hour or other unit is paid separately, rather than on a periodic basis.

Life insurance (or life assurance, especially in the Commonwealth of Nations), is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money (the benefit) in exchange for a premium, upon the death of an insured person (often the policy holder).

Depending on the contract, other events such as terminal illness or critical illness can also trigger payment.

The policy holder typically pays a premium, either regularly or as one lump sum.

Other expenses (such as funeral expenses) can also be included in the benefits.

In finance, an option is a contract which gives the buyer (the owner or holder of the option) the right, but not the obligation, to buy or sell an underlying asset or instrument at a specific strike price on a specified date, depending on the form of the option.

The strike price may be set by reference to the spot price (market price) of the underlying security or commodity on the day an option is taken out, or it may be fixed at a discount or at a premium.

The seller has the corresponding obligation to fulfill the transaction – to sell or buy – if the buyer (owner) "exercises" the option.

An option that conveys to the owner the right to buy at a specific price is referred to as a call; an option that conveys the right of the owner to sell at a specific price is referred to as a put.

Both are commonly used in and by the old traded, but the call option is more frequently discussed.