PERSONAL FINANCE GLOSSARY

Face Amount

Fannie Mae

Federal Funds Rate

Finance Charge

First Mortgage

Fixed Annual Percentage Rate (APR)

Fixed Annuity

Fixed Rate Mortgage

Fixed-Rate Loan

Flexible Premium Deferred Annuity

Float

Flood Insurance

Foreclosure

Foundations

Free Look

Front-End Load

Fundamental Analysis

Funds From Operations (FFOs)

Funds Transfer

Futures Contract

Term used to define the cash flow of a real estate investment trust (REIT). Determined by adding depreciation (decline in value of property due to damage resulting from use) and amortization (gradual elimination of mortgage) to earnings (amount of income that the property yields).