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Liquidity
Refers to the ease with which assets can be sold.
Money Orders
Payment orders for a specified amount of money, often limited in face value.
Opportunity Cost
The next best alternative foregone when a choice is made.
Inflation Impact
Lenders are most affected, while those with large debts are least affected.
Compound Interest
Interest calculated on the initial principal and also on the accumulated interest.
Credit Union
A member-owned cooperative financial institution offering lower interest rates on loans.
Overdraft Protection
A feature by banks to prevent checking accounts from overdrafting.
Time Value of Money
The value of money with a given interest rate over a period of time.
Rule of 72
A formula to estimate how long it takes for an investment to double.
Checking Account Reconciliation
Comparing your check register with the bank statement to ensure accuracy.
Credit Card Cash Advances
Withdrawal of cash from a credit card with higher interest rates.
Debt to Credit Ratio
The ratio of available credit to the debt carried.
Credit Reports
A numerical representation of creditworthiness used by lenders.
Identity Theft
Steps to take if one suspects being a victim, including contacting banks and credit bureaus.
Collateral
Secured loans use assets as collateral, while unsecured loans rely on credit scores.
Insurance Deductible
The amount the insured must pay before the insurer covers a claim.
Term Life Insurance
Pays a lump-sum benefit if the insured dies during the policy term.
Whole Life Insurance
A permanent policy that also serves as an investment.
Health Insurance Co-pay
The out-of-pocket amount paid for covered medical services.
Disability Insurance
Covers bills when the insured is disabled and unable to work for a period.
Auto Insurance Cost Reduction
Ways to lower auto insurance costs, such as good grades and safe driving.
Secondary Markets
Markets where securities are traded after being initially offered in the primary market.
Bull Market
A financial market experiencing extended growth above historical averages.
Bear Market
Financial markets undergoing a prolonged period of contraction or loss.
Bonds
Financial instruments giving holders the right to collect interest payments from borrowers.
Mutual Funds
Professionally managed investment vehicles pooling funds from investors to invest in various securities.
Investment Portfolio
Diversified set of investments held by an individual or institutional investor.
Diversification
Strategy of investing in different types of assets to reduce risk.
Dividends
Earnings distributed to shareholders of a company's stock.
Treasury Bills
Short-term loans sold to fund the U.S. government.
Net Worth
Total assets minus total liabilities, representing what one owns minus what is owed.
Retirement Plans
Various accounts like Pensions, 401k, Traditional IRA, and Roth IRA for retirement savings.
Inflation
General rise in price levels affecting creditors, fixed-income earners, and savers.
Deflation
Decline in the cost of consumer goods impacting companies and the economy.
Depression
Economic period with reduced production, consumption, and increased unemployment.
Graduated Income Taxes
Progressive tax rates increasing with higher taxable income.
SEC
Securities and Exchange Commission regulating the offer and sale of securities to the public.
Federal Reserve
Central banking system of the U.S. using monetary policies to regulate the money supply.
FDIC
Federal Deposit Insurance Corporation insuring deposit accounts up to $250,000 per depositor, per insured bank.
CFPB
Consumer Financial Protection Bureau regulating consumer protection in financial products and services in the U.S.