# data[].attributes.body
an estimate of income and expenditure for a set period of time.

"Don't go over the budget"

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Income remaining after deduction of taxes, other mandatory charges, and expenditure on necessary items.

"We just got our Discretionary Income for the year."

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

"We have to pay rent soon"

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Fixed expenses are costs that largely remain constant

"We have the fixed expense."

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Variable expenses are expenses that change depending on how often you use a product or service.

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A Surplus Budget occurs when the government prepares its annual plan in a manner that its expenses don't exceed its revenue.

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A budget deficit occurs when government expenses exceed revenue.

"We have a Budget Deficit on our hands."

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bank offering banking services to consumers and small businesses, as opposed to one dealing with large corporations and financial institutions.

"This is one of the strongest retail banks around these parts"

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the availability of liquid assets to a market or company.

"the banks closed, causing serious liquidity problems for smaller companies"

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The Federal Deposit Insurance Corporation (FDIC) is an independent agency created by the Congress to maintain stability and public confidence in the nation's financial system.

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

"Are you the Credit union?

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An account at a bank against which checks can be drawn by the account depositor.

"How much is left in your checking account?"

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An automated teller machine (ATM) is an electronic banking outlet that allows customers to complete basic transactions without the aid of a branch representative or teller.

"I have to go the ATM to draw some cash."

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

"Yeah i have a debit card."

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a bank account that earns interest.

"I wonder how much is in my saving account"

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A money market account is a type of account offered by banks and credit unions

"I wonder what a Money market account is"

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the annual percentage yield (APY) is the interest rate earned on an investment in one year.

"My APY is high this year."

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Nominal interest rate refers to the interest rate before taking inflation into account.

"This Nominal interest rate is crazy this week"

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A real interest rate is one that has been adjusted for inflation, reflecting the real cost of funds to the borrower and the real yield to the lender.

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A signature card form is generated when a customer or member opens a checking or savings account at a financial institution

"Can I open a signature card form?"

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An emergency fund is a cash reserve that's specifically set aside for unplanned expenses or financial emergencies

"We might have to tap into the emergency fund for Timmy's cancer."

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A safe deposit box is a secure container, usually made of metal, that's used to store valuables at a bank or credit union.

"I'll have to put this in a safe deposit Box for now."

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a printed record of the balance in a bank account and the amounts that have been paid into it and withdrawn from it, issued periodically to the holder of the account.

"Check the bank statement for the information."

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

"Do you know your PIN?"

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an extension of credit from a financial institution to its customer when they execute a transaction for which the account holder has insufficient funds.

"It seems you have an overdraft."

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A nonsufficient funds (NSF) fee, or NSF item fee, is charged when your account is overdrawn, and the item is returned unpaid.

"Ill have to charge an nonsufficient funds fee."

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

"he was convicted of fraud"

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The Federal Trade Commission enforces a variety of antitrust and consumer protection laws affecting virtually every area of commerce, with some exceptions concerning banks, insurance companies, non-profits, transportation and communications common carriers, air carriers, and some other entities.

"the FTC is getting involved."

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Identity theft is a crime in which an attacker uses fraud or deception to obtain personal or sensitive information from a victim and misuses it to act in the victim's name.

"this is a case of identity theft."