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Coupon

A coupon is a ticket or document that can be exchanged for a financial discount on a product. Customarily, coupons are issued by manufacturers of consumer packaged goods or by retailers, to be used in retail stores as a part of sales promotions. They are often widely distributed through mail, magazines, newspapers and the Internet. Internet coupons have become very popular as of late, because the cost is borne by the user (who has to print off the coupons themselves) as opposed to the businesses issuing the coupons. Coupons are also "attached" to bonds, either physically (as with old bonds) or electronically. Each coupon represents a predetermined payment promised to the bond-holder in return for his or her loan of money to the bond-issuer. (The bond-holder is typically not the original lender, but receives this payment anyway.) The coupon rate (the amount promised per dollar of the face value of the bond) helps determine the interest rate or yield on the bond. The phrase "coupon clipper" can refer to either a bond-owner or someone who uses coupons from newspapers. Another type of coupon is the trading stamp. It was used as a temporary currency for some former Soviet countries, especially Moldova (used until 1993, replaced by Moldovan lei), and Ukraine (replaced by hryvnia in 1996) after they became independent. The term "coupon" is also used in manufacturing and material science to refer to a small piece of material used for testing or further processing, compare billet.

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Zero-Coupon Bond

Zero-coupon bonds are bonds which do not pay interest payment (also known as coupon payments). The bonds are purchased at a discount from what they will be worth when they mature. The holder of a zero coupon bond is entitled to receive a single payment, usually of a specified sum of money at a specified time in the future. Some zero coupon bonds are inflation indexed, and so the amount of money that will be paid to the bond holder is calculated to have a set amount of purchasing power rather than a set amount of money, but the majority of zero coupon bonds pay a set amount of money known as the face value of the bond. In contrast, an investor who has a regular bond receives income from coupon payments, which are usually made semi-annually. The investor also receives the principal or face value of the investment when the bond matures. Zero-coupon bonds are considered long-term investments with maturity dates typically starting at ten to fifteen years. The bonds can be held until maturity or sold on secondary bond markets.

Strip bonds

Dealers may separate the coupons from the bond principal, which is also known as the residue, so that different investors are entitled to the principal and each of the coupon payments. Both the coupons and residue may be sold to investors. Each of these investments then pays a single lump sum, so it is effectively a zero coupon bond. This method of creating zero coupon bonds is known as ''stripping'' and the contracts are known as ''strip bonds''. Dealers normally purchase a block of high-quality and non-callable bonds - often government issues - to create strip bonds. A strip bond has no reinvestment risk because the payment to the investor only occurs at maturity. There is no guarantee the coupon payments on a regular bond can be reinvested at the same or better yield. The impact of interest-rate fluctuations on strip bonds is more pronounced than a bond that has both coupons and residue - particularly when

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International Reply Coupon

An international reply coupon (IRC) is a coupon that can be used to post a standard 20 gram letter anywhere in the world. IRCs are accepted and available in all Universal Postal Union (UPU) member countries. The purpose of the IRC is to be able to send someone a letter, along with the cost of postage for them to send you a reply. If the addressee is within the same country, one normally sends them a stamp; but if you are sending a letter to another country, it can be difficult to acquire stamps for that country to send along with your letter. So you can purchase an IRC instead from your local post office, and send it to them; they can then take it to a post office in their own country, and use it to send it back to you. This is often requested when a ham radio operator wishes to send a reception report in order to receive a QSL card - the IRC will cover postage. IRCs can also be used as international currency for small transactions, since they have at least a small nominal value in all UPU member countries. As well as IRCs administered by the UPU, there are also reply coupons issued by other postal unions which are usable only in certain countries, e.g. those issued by the Arab Postal Union. Category:Postal system de:Internationaler Antwortschein ja:国際返信切手券

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Golf

:''This article is about the game of golf. For other meanings, see Golf (disambiguation).'' Golf is an outdoor game where individual players or teams play a small ball into a hole using various clubs. It is defined in the ''Rules of Golf'' as ''"playing a ball with a club from the teeing ground into the hole by a stroke or successive strokes in accordance with the Rules."'' Golf is believed to have originated in Scotland and has been played for several centuries in the British Isles and continuously in the United States since 1887 (Foxburg, Pennsylvania). Although often viewed as an elite pastime, golf is increasingly popular and continues to attract ever more players around the world. A ''round'' of golf consists of playing a number of ''holes'', usually eighteen. A hole of golf consists of hitting a ball from a tee on the ''teeing ground'' (a marked area designated for the first shot of a hole), and continuing to strike the ball till it comes to rest in the cup. Once the ball is on the ''green'' (an area of finely cut grass or oiled sand) the ball is usually ''putted'' (hit along the ground) into the hole. The aim of holing the ball in as few strokes as possible may be impeded by various obstructions, such as bunkers and water hazards. Competitive golf can be played by individual players (''single'') or by teams. Golf can be scored by stroke play or match play. In stroke play, the number of shots taken for the whole round or tournament is counted to produce the total score, and the player with the lowest score wins. A variant of stroke play is ''Stableford'' scoring, where a number of points (two for the target score) are given for each hole, and the fewer shots taken, the more points obtained, so the aim is to have as many points as possible. Another variant of stroke play, the ''Modified Stableford'' method, awards points on each hole in relation to par and then adds the points over a round; for more details on this method, see The INTERNATIONAL, a tournament

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Golf Coupon