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Definition: an estimate, often itemized, of expected income and expense for a given period in the future

Sentence: To avoid not having enough money for vacation, we set a budget for our shopping.

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Definition: income remaining after deduction of taxes, mandatory charges, and necessary items

Sentence: After paying our taxes, we used our discretionary income to pay for a short vacation.

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Definition: a cost that occurs on a regular basis and is necessary for the ongoing operation of a business

Sentence: When a company rents a property necessary for their business, it is considered a recurring expense.

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Definition: an expense where the total amount does not change when there is an increase in an activity, such as sales or production

Sentence: Car payments are a common example of fixed expenses.

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Definition: expenses that can change depending on how often you use a product or service

Sentence: Groceries and dining out fall under our variable expenses for the month.

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Definition: a time where a government, business, or individual brings in more money than they spent in a given time period

Sentence: The government's budget surplus is much lower this year than in previous years.

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Definition: a time where a government, business, or individual spends more money than they gain in a given time period

Sentence: Budget deficit is a leading cause of our national debt.

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Definition: the availability of liquid assets to a market or company

Sentence: Serious liquidity problems were caused for small markets when the banks began to close.

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FDIC (Federal Deposit Insurance Corporation)

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FDIC (Federal Deposit Insurance Corporation)

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Definition: an independent agency created by Congress to maintain stability and public confidence in the nation's financial system

Sentence:

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FDIC (Federal Deposit Insurance Corporation)

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Definition: a nonprofit-making money cooperative whose members can borrow from pooled deposits at low interest rates

Sentence: Credit unions occasionally offer better and lower rates than banks and dealerships.

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Definition: a bank account where you can make withdrawals or deposits

Sentence: Once you start a job, it's important to have a checking account open.

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Definition: a computerized electronic machine that performs basic banking functions

Sentence: ATMs are found commonly in gas stations, banks, and some retail stores.

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Definition: a card issued by a bank allowing the holder to transfer money electronically to another bank account when making a purchase

Sentence: Debit cards come in different forms, including Mastercard and Visa.

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Definition: an account at a bank or credit union that is designed to hold your money

Sentence: A savings account is useful for people wanting to go to buy a home or go on a costly vacation in the future.

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Definition: a deposit account that pays interest based on current interest rates in the money markets

Sentence: A Money Market Deposit Account can be useful for people who take out loans.

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Definition: the interest rate earned on an investment in one year

Sentence: The higher APY you have, the higher the return you will receive.

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Definition: interest rate before taking inflation into account

Sentence: Only focusing on the nominal interest rate can be a disadvantage for the future.

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Definition: interest rate that has been adjusted for inflation

Sentence: Real interest rates are more accurate than nominal interest rates.

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Definition: a comprehensive and organized list of fees or charges associated with specific products or services a business or organization provides

Sentence: Fee schedules are useful to know how much money you owe for a service.

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Definition: a document that financial institutions use to authenticate a customer's signature for personal and business bank accounts

Sentence: Signature cards are often used for identification purposes.

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Definition: a personal budget set aside as a financial safety net in case of emergency

Sentence: An emergency fund is important in case of unexpected accidents.

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Definition: a printed record of the balance in a bank account and the amounts that have been paid into it and withdrawn from it

Sentence: Bank statements are sent out periodically, and can be useful in finding double charges.

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Definition: an identifying number allocated to an individual by a bank or other organization and used for validating electronic transactions

Sentence: PINs are an important factor in preventing others from using your card without your permission.

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Definition: a deficit in a bank account caused by drawing more money than the account holds

Sentence: Overdrafts happen when people spend more money than is in their banking account.

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Definition: commonly charged by banks when an account lacks the funds needed to cover a transaction

Sentence: When a customer attempts to buy something without enough to complete the transaction, the bank charges them a non-sufficient funds fee.

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Definition: an illegal activity that works to steal money or other property from a financial institution or its customers

Sentence: Examples of fraud include cashing a fraudulent check and stealing credit cards from the bank.

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Definition: an independent agency of the United States government whose mission is the enforcement of civil antitrust law and promotion of consumer protection

Sentence: The FTC works to prevent deceptive and fraudulent business practices by conducting investigations and listening to complaints.

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Definition: the fraudulent acquisition and use of a person's private identifying information, usually for financial gain

Sentence: Identity theft is fairly common in the U.S, with around 300,000 Americans falling victim to attacks every year.