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Definition: a list of expenses.

Sentence: I had a low budget on my shopping list.

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Definition: income remaining after deduction of taxes, other mandatory charges, and expenditure on necessary items.

Sentence: The girls spent their discretionary income attending plays and shows.

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

Sentence: Tracking your recurring expenses can help you ensure that you have enough cash on hand to cover your regular bills and other ongoing expenses.

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

Sentence: The variable expenses are the most important aspect of your budget and require the most attention.

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Definition: when a government or entity receives more money than it spends during a specific period of time.

Sentence: The state currently has a $3 million budget surplus.

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Definition: occurs when a government, business, or individual spends more than it receives in revenue over a specific period of time.

Sentence: She inherited a $2 billion state budget deficit when she took office.

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

Sentence: Business liquidity has risen.

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Definition: The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government that insures deposits in banks and savings associations.

Sentence: The FDIC criticized the bank for hazardous lending.

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

Sentence: A credit union was founded in the village in 1945 and continues to operate today.

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Definition: an account at a bank against which checks can be drawn by the account depositor.

Sentence: He has his checking account at the Commonwealth Bank.

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Definition: a machine that dispenses cash or performs other banking services when an account holder inserts a bank card.

Sentence: Is there an ATM near here? I need to get some money out.

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

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

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Definition: a bank account that earns interest.

Sentence: He opened a savings account with $50 after his second paycheck.

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Definition: a type of bank or credit union savings account with some features not found in regular savings accounts.

Sentence: MMDAs offer higher interest rates than traditional checking accounts.

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Definition: the interest rate earned on an investment in one year, including compounding interest.

Sentence: APY pays 5% a year interest compounded quarterly, and that adds up to 5.095%.

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Definition: the interest rate on a loan or investment that is stated without taking inflation into account.

Sentence: The nominal interest rate in the UK is higher than in the USA because the expected inflation rate is higher.

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Definition: the rate of interest an investor, saver, or lender receives (or expects to receive) after allowing for inflation.

Sentence: Real interest rates are dictated by the rate of inflation.

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Definition: a list of maximum fees that healthcare providers can charge for their services.

Sentence: The permit-issuing guidelines and the fee schedule shall be prescribed by the central competent authority.

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Definition: a document that financial institutions keep on file to verify a customer's signature and other account information.

Sentence: A signature card form is produced by software that contains the customer's personal information and new account number.

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Definition: a stash of money set aside to cover the financial surprises life throws your way.

Sentence: Learn to budget and set aside an emergency fund.

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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, issued periodically to the holder of the account.

Sentence: Even scrolling through your bank statement can be fun.

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Definition: A Personal Identification Number

Sentence: Please insert your card in the machine and key in your PIN.

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Definition: occurs when you spend more money than you have in your checking account and your bank pays the transaction anyway.

Sentence: The borrowing spree was fueled by an increase in personal loans and overdrafts.

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Definition: a penalty charged by a bank or credit union when a customer's account balance is insufficient to cover a transaction.

Sentence: I got charged because I had an nonsufficient funds fee.

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Definition: a person or thing intended to deceive others, typically by unjustifiably claiming or being credited with accomplishments or qualities.

Sentence: He was found guilty of bank fraud.

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Definition: The Federal Trade Commission (FTC) is a law enforcement agency that protects consumers and promotes competition by enforcing antitrust and consumer protection laws.

Sentence: The company is being investigated by the FTC.

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Definition: a crime that occurs when someone uses another person's personal information without their permission for financial gain.

Sentence: How can we protect ourselves against identity theft?