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Adware
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Programs that permit advertisers to send ads without permission
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Spyware
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Outsiders see what computer is doing
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Ciruses
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Destroy programs
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Phishing
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Spam sent asking for info
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Firewalls
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Programs that limit access on computers
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Encryptions
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Using coding
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Start of chp 19
coverage ratio
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EBIT/I
helsp det how much debt can be afforded
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Debt coverage ratio
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DR=TD/TA
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Trade credite
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One of three sources of debt, relates to the money that businesses owe their suppliers (ex AP or accrued liabs)
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Financial intermediary
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Someone that gets money frm one source and supplies it to others
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Us federal reserve and us federal deposit insurance co
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Main regulators of banks in us
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Indenture
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Loan agreement, specifies loan principle, interest rate, maturity, loan covenants and rights and such
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Working capital loans
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One of the kinds you get frm finan intermeds, ST loans that must be paid back within a year
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Line of credit
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Has right to take out given amount of money at any time, but doesn't have to
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Mortgages
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Long term loans that are collateralized by selected assets
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