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Definition: the total sum of money set aside or needed for a purpose

Sentence: For the new year I decided to start budgeting in groups of my wants, needs, and savings.

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Definition: money left over after a person pays their taxes and pays for essential goods and services like housing and food

Sentence: My family vacation will be paid for using my discretionary income.

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

Sentence: A recurring expense that must be paid by a company is rent.

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Definition: business expenses that are not dependent on the level of goods or services produced by the business

Sentence: Companies tend to have high fixed expenses because of things like rent.

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Definition: Costs that change as the quantity of the good or service that a business produces changes

Sentence: A variable expense that is likely to change the most every month would be entertainment costs (such as going to the movies).

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Definition: When the federal government collects more money than it spends.

Sentence: Ohio has a plan to spend $700 million budget surplus.

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Definition: A negative balance between a government's spending and revenues

Sentence: Governments have spent heavily this past year and have run up big budget deficits.

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Definition: The efficiency or ease with which an asset or security can be converted into ready cash without affecting its market price.

Sentence: One way to ensure liquidity is to maintain large cash balances or arrange necessary borrowing facilities but neither approach results in optimal profitability

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

Sentence: All reputable banks in the U.S. are insured by the FDIC.

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Definition: A non-profit making money cooperatives whose members can borrow from pooled deposits at low interest rates.

Sentence: There is a very successful credit union in my constituency, which provides simple banking.

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Definition: a deposit account or bank account held at a bank or other financial institution

Sentence: Do not mix business and personal finances by using the same checking account for your home and business.

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Definition: banking outlets where you can withdraw cash without going into a branch of your bank.

Sentence: Automated teller machines, or ATMs, have been part of everyday life for many American since the 1980s.

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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: The debit card balance must be paid in full by the end of each month.

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Definition: A banking account that is designed to hold your money.

Sentence: I opened a savings account with $50 after my first pay check.

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Definition: A money market account or money market deposit account is a deposit account that pays interest based on current interest rates in the money markets.

Sentence: Everbank has a promotion at a press time of 2.25 percent for a new money market account.

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Definition: The interest rate earned on an investment in one year, including compound interest.

Sentence: Higher APY means more potential earnings for savings and investments.

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Definition: in finance and economics, the nominal interest rate or nominal rate of interest is the rate of interest stated on a loan or investment, without any adjustments for inflation.

Sentence: You can invest $1,000 in a bank savings plan with 5% nominal interest.

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Definition: An interest rate that has been adjusted for inflation.

Sentence: A consumer loan has a real interest rate of 6%.

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Definition: A complete listing of fees used by Medicare to pay doctors or other providers/suppliers.

Sentence: The rates and fee schedule shall be established by the plant quarantine authority.

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

Sentence: By signing the signature card, you waive your rights to notice of non-payment, dishonor or protest regarding all items presented for collection.

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Definition: An emergency fund, also known as a contingency fund, is a personal budget set aside as a financial safety net for future mishaps or unexpected expenses.

Sentence: Every club has an emergency fund allocated and reserved by this organization.

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Definition: A bank statement is an official summary of financial transactions occurring within a given period for each bank account held by a person or business with a financial institution.

Sentence: It is smart to keep a close eye on your bank statements to keep track of your spending.

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Definition: A numeric string that is used to authenticate a person to a system.

Sentence: The dominant use cases for PINs are financial service transactions such as at a banks ATM.

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

Sentence: I paid my overdraft as soon as I received my pay check.

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Definition: Can occur when you do it have enough money in your checking account to cover the entire transaction.

Sentence: I wrote a check that was returned because of nonsufficient funds.

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Definition: wrongful or criminal deception intended to result in financial or personal gain.

Sentence: The court found him guilty of bank fraud.

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Definition: An independent, bipartisan agency of the U.S. government tasked with protecting consumers and ensuring a strong competitive market.

Sentence: The FTC alleged that the nation's largest landlord of single-family homes deceived renters about lease costs, charged undisclosed junk fees, and unfairly withheld security deposits.

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

Sentence: There's been a huge increase in identity theft and associated financial theft.