Andrew B Vaughey

Diamond
Investments Inc

Annuity certain
An annuity that pays a
specific amount on a monthly basis for a set amount of time.

Arbitrage
bonds
Municipalityissuedbonds issued intended to gain an interest rate
advantage by refunding a higher-rate bond in ahead of their call date.
Lower-rate refunding issue proceeds are invested in Treasuries until the first
call date of the higher-rate issue.

Andrew Vaughey

Investment flows in 2007 broadened and
diversified, making the overall picture one of greater breadth and depth of
sustainable energy use. The mainstream capital markets are "now fully receptive
to sustainable energy companies, supported by a surge in funds destined for
clean energy investment".

Angels
Individuals providing venture
capital.

Andrew Vaughey
Liquid Asset
A cash asset or an asset that is easily converted into
cash.

Loan
A sum of borrowed money (principal) that is generally
repaid with interest.

Loan-to-Value (LTV) Percentage
The
relationship between the principal balance of the mortgage and the appraised
value (or sales price if it is lower) of the property. For example, a $100,000
home with an $80,000 mortgage has an LTV of 80 percent.

Lock-In Period

The guarantee of an interest rate for a specified period of time by a
lender, including loan term and points, if any, to be paid at closing. Short
term locks (under 21 days), are usually available after lender loan approval
only. However, many lenders may permit a borrower to lock a loan for 30 days or
more prior to submission of the loan application.

Margin
The number
of percentage points the lender adds to the index rate to calculate the ARM
interest rate at each adjustment.

Moving towards energy sustainability
will require changes not only in the way energy is supplied, but in the way it
is used, and reducing the amount of energy required to deliver various goods or
services is essential. Opportunities for improvement on the demand side of the
energy equation are as rich and diverse as those on the supply side, and often
offer significant economic benefits.

Renewable energy and energy
efficiency are sometimes said to be the “twin pillars” of sustainable energy
policy. Both resources must be developed in order to stabilize and reduce carbon
dioxide emissions. Efficiency slows down energy demand growth so that rising
clean energy supplies can make deep cuts in fossil fuel use. If energy use grows
too fast, renewable energy development will chase a receding target. Likewise,
unless clean energy supplies come online rapidly, slowing demand growth will
only begin to reduce total emissions; reducing the carbon content of energy
sources is also needed. Any serious vision of a sustainable energy economy thus
requires commitments to both renewables and efficiency.

For more
information visit: Andrew
Vaughey or Drew Vaughey