Important Definitions July 1, 1997March 25, 2012 Conflict of Interest: When you’re earning 5% interest in a money market account and paying 18% interest on a credit card. User’s Manual: No one knows. No one has ever read one. (Not to be confused with the well-thumbed usurer’s manuals on the shelf of every pawn shop and check cashing store in America.) Bond Yields: Moments in the market when bonds let other bonds go first. Face Value: The extra price you pay for a bond with an attractive certificate. Indentures: Only old folks buy bonds, so they need indentures. Millionaire: Someone with a net worth of $5 million or more. Tomorrow: What to Say to Someone With $5 Million