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MasterVocabularyList
TERM
DEFINITION
Advocacy
Theactorprocessofwritingorspeakinginfavorof,oraboutacause
Alternativecredit Asourceofcreditthatmaycombineelementsofopenandclosedendcreditandusually
havehigherinterestratesandfeesthanotherformsofcredit
Altruism
Theprincipleorpracticeofunselfishconcernforthewelfareofothers
AnnualFee
Ayearlyfeethatmaybechargedforhavingacreditcard
Annual
Thecostofcreditexpressedasayearlyinterestrate
PercentageRate
Automatedteller Amachinethatallowsdepositoryinstitutioncustomerstocompletecertaintransactions
machine(ATM)
fromthemachinewithouttheneedforhumanassistance
Asset
Itemsofmonetaryvalueapersonorhouseholdowns
Automobile
Providespaymentsforbothliabilityandpropertyinsuranceonavehicle
insurance
Balancetransfers Theactoftransferringdebtfromonecreditcardaccounttoanother
Beneficiary
Someonewhoreceivesinsurancemoneyiftheinsuredpersondies
Bond
Aformoflendingtoacompanyorthegovernment(city,state,orfederal)
Borrower
Someonewhoreceivessomethingwithapromisetoreturnitoritsequivalent
Brokeragefirm
Facilitatesthebuyingandsellingofinvestmentsfromastockexchange
CapitalGain
Unearnedincomereceivedfromthesaleofanassetaboveitspurchaseprice
Career
Alifetimejourneyofbuildingandapplyingskills,knowledge,andexperiencesinpaid
employmentpositions.
CareerCluster
Groupingofoccupationsandindustriesbasedontheknowledgeandskillsrequired.
Certificateof
Anaccountatadepositoryinstitutionthatisusedforafixedperiodoftimeandallows
Deposit
restrictedaccesstothefundsdeposited
Charity
Anonprofitorganization
Checkingaccount Anaccountthatallowsquickaccesstofundsfortransactions
Claim
Aformalrequesttoaninsurancecompanyaskingforapaymentwhenthepolicyholderhas
anaccident,illnessorinjury
Closedendcredit Aloanwhichyoumustrepayinaspecifiednumberofequalmonthlypayments(alsoknown
asinstallmentcredit)
Closingcosts
Feesandchargesassociatedwiththepurchaseofaproperty
Coinsurance
Requirestheinsuredindividualtopayafixedpercentageofthelossafterthedeductiblehas
beenpaid
CollectionAgency Businesseshiredbylenderstopursuepaymentsondebtsthatborrowershavenotpaidback
accordingtothetermsofthecreditcontract
Commercialbank Forprofitdepositorybusinessesthatofferfinancialservicestobothconsumersandother
businesses
Community
Agroupofpeopleworkingtogetherforacommongood
Compound
Earninginterestoninterest
interest
Commission
Afeethatasalespersonreceivesuponcompletionofasale
Consumable
Anitemthatisconsumedinthepresent
good
Consumption
Thepurchaseofgoodsandservices
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Contactless
payment
Cosigner
Costofliving
Coverage
Credit
Creditcard
Credithistory
Creditlimit
Creditreport
Creditreporting
agencies
Creditscore
CreditUnion
CrowdFunding
Debitcard
Decedent
Deductible
Dependent
Depository
institution
Depreciation
Directdeposit
Disability
insurance
Discount
brokeragefirm
Dividend
Downpayment
DoitYourself
Durablegood
Earnedincome
Emergency
savings
Employee
Employee
benefits
Employer
Employer
contributions
Employment

Paymenttransactionsthatcanbecompletedwithnophysicalconnectionbetweenthe
paymentdeviceandthephysicalpointofsale(POS)terminalorstoreclerk
Apersonwhoisequallyresponsibleforpayingbackdebtunderthecreditterms
Theaveragecostofbasicnecessities,suchashousingandfood.
Theriskscoveredandamountofmoneypaidforlossesunderaninsurancepolicy
Referstogoods,servicesand/ormoneyreceivedinexchangeforapromisetopaybacka
definitesumofmoneyatafuturedate
Aplasticcardthatyoucanusetoaccessalineofcreditthathasbeenestablishedinadvance
Arecordoftheborrowerspastloansandcreditrelatedtransactions
Themaximumdollaramountthatcanbeborrowed
Arecordofapersonsuseofcredit
Agenciesthatcreatecreditreportsbasedontheinformationtheyreceivefromlenders
regardingaborrowersaccounthistorywiththatlender.Sometimescalledcreditbureaus
Anumericalsummaryofyourcredithistorythatindicatesyourcreditworthiness(likelihood
ofrepayingaloanasagreed)
Depositoryinstitutionsthatoffermanybankingservicesandareownedbytheircustomers
Thepracticeoffundingaprojectorventurebyraisingsmallamountsofmoneythrough
donationsfromalargeamountofpeople,typicallyraisedviatheInternet
Aplasticcardthatiselectronicallyconnectedtothecardholdersdepositoryinstitution
account
Thepersonwhodied
Theoutofpocketmoneypaidbythepolicyholderbeforeaninsurancecompanywillcover
theremainingcostsattributedtotheloss
Someonewhoreliesonsomeoneelseformoneyandcare
Businessesthatprovidefinancialservices
Decreaseinthevalueofanassetassociatedwiththedeclineinitsremainingusefullife
Wagesaredepositeddirectlyintoadepositoryinstitutionaccountdeterminedbythe
employee.
Providespaymenttoreplaceearningsduringtimeswhenworkerscannotworkduetoillness
orinjury
Onlycompletesorderstobuyandsellinvestments
Theshareofprofitsdistributedincash
Portionofthepurchasepricethatisnotborrowed
Whenyoucompleteataskyourselfratherthanpayingsomeoneelse
Anitemprovidesastreamofservicestotheuseroveraperiodoftimeanddoesnotquickly
wearout
Moneyearnedfromworkingforpay
Cashsetasidetocoverthecostofunexpectedevents
Apersonwhoisemployedbyanotherpersonorbusinessforpay.
Employersmayofferemployeebenefitsintheformofproductsorservicesthataddextra
valueforemployeesbeyondearnedwages
Apersonorbusinessemployingoneormorepersonsforwages.
Theamounttheemployerhascontributedtovariousemployeebenefits.
Agreementbetweenanemployerandemployee

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Equity
Estate
EstatePlanning
Excisetax
Executor

Expense
Family
Fiduciary
Financialadvisor
Financialgoals
Financial
planning
Financialwell
being
Foreclosures
Formal
continuing
education
FormW4
(Employees
Withholding
Allowance)
Fraud
Fullservice
brokeragefirm
Gift
Goal
Government
Grossincome
Guardianship
Guardian
HumanCapital
Healthinsurance
HealthyGiving
Homeowners
Associationdues
Homeowners
insurance

Monetaryvalueofapropertyminustheamountowedontheproperty
Therealandpersonalpropertythatapersonowns
Providesaclearplanforwhatshouldhappenuponthedeathofanindividual
Taxescollectedfromthesellerorretailerandassuchoftenremainhiddeninthepriceofa
productorservice,ratherthanbeinglistedseparately
Apersonorinstitutionnamedinawilltocarryoutthesettlementofanestate.Thisperson
orinstitutionpaysthedebts,managesthepropertyandlaterdistributesitaccordingtothe
provisionsofthewill.AlsoknownasaPersonalRepresentative
Moneyspent
Relatedorunrelatedindividualssharingvariousresources(especiallytimeandmoney)who
alsoshowconcernabouteachotherswellbeing
Someoneentrustedwithmanaginganestate;includesexecutor,guardian,conservatorand
trustee
Atrainedprofessionalthathelpspeoplemakeinvestingdecisions
Specificobjectivesthatareaccomplishedthroughfinancialplanning.
Managingmoneycontinuouslythroughlifeinordertoreachyourfinancialgoals.
Managingmoneyinwaysthatbuildasenseofunderstanding,competenceandcontrol.
Whenaborrowerfailstokeepupwithmortgagepaymentsandthelendertakespossession
oftheproperty
Trainingforaspecificsetofnewskillsprovidedbyexpertsinaparticularfield

Theformthatdeterminesthepercentageofanemployeespaythatwillbewithheldfor
federaltaxes.

Anintentionalefforttodeceiveanotherindividualforpersonalgain.
Offerinvestmenttransactionsaswellasinvestmentadviceandafinancialadvisor.
Alifetimetransferofpropertywithoutreceivingpayment
Somethingapersonintendstoacquire,achieve,oraccomplishinthefuture.

Thesystemofgovernancethatprovidesstructure,protection,andservicestopeople
residinginanation,state,county,ormunicipality(city/town)
Anindividualsincomeearnedassalaryorwagesbeforetaxesandotherdeductions
Establishedbyalegaldocumentcalledawill
Apersonlegallychargedwiththedutyoftakingcareofanotherwho,becauseofage
intellect,orhealth,isincapableofmanaginghisorherownaffairs.
Theskills,knowledge,andexperiencespossessedbyanindividual.
Providesmoneytopayforhealthcareforillness,injury,or,insomecases,preventivecare
Whenanindividualgivesoutofexcessinhisorherlifeandtheactprovidespositive
emotionsforboththegiverandreceiver.
Monthlyoryearlyfeesthatpayforthemaintenanceofsharedareasandnecessaryrepairs
throughoutthecommunity
Coversdamageorlossofthestructureandcontents,plusliabilityincaseothersareinjured
ontheproperty

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3.0.36.E1

Household
production

Doingsomethinginthehomewithoutpaythattakesrawmaterialsalongwithafamily
membersskill,experience,knowledge,andhouseholdequipment,toproduceauseful
productorservice
Moneyreceived
Listsandsummarizesincomeandexpensetransactionsthathavetakenplaceoveraspecific
periodoftime,usuallyamonthoryear

Income
Incomeand
Expense
Statement
IncomeTax
Index
Indexfund
Industry
Inflation
Inflationrisk
Informal
continuing
education
Inkindincome
Insurance
Interest
Interestrate
Introductoryrate
Investment
Investmentasset
Investment
philosophy
Investmentrisk

Taxespaidtofederal,stateandlocalgovernmentsontheamountofmoneyearned
Agroupofsimilarstocksandbonds
Amutualfundthatwasdesignedtoreducefeesbyinvestinginthestocksandbondsthat
makeupanindex
Groupofestablishments(businesses)thatproducesimilarproductsorprovidesimilar
services.
Theriseinthegenerallevelofprices
Thedangerthatmoneywontbeworthasmuchinthefutureasitistoday
Occursthroughsocialinteractions,networking,lifesexperiences,andreading

Thedonationofaproductorserviceinplaceofcash
Afinancialproduct(calledaninsurancecontractorpolicy)purchasedbymanypeoplefacing
asimilarrisktoprotectagainsttheriskoflargerlosses.
Thepricepaidforusingsomeoneelsesmoney
Thepercentagerateusedtocalculateinterest
TheAPRchargedduringthecreditcard'sintroductoryperiodafteracreditcardaccountis
opened
Assetspurchasedwiththegoalofprovidingadditionalincomefromtheassetitselfbutwith
theriskofloss
Financialassetspurchasedwiththehopethattheywillgenerateincomeandappreciatein
valuetomakeitpossibletosellatahigherpriceinthefuture
Anindividualsgeneralapproachtoinvestmentrisk

Thepossibilitythataninvestmentwillfailtopaytheexpectedreturnorfailtopayareturnat
all
Job
Anactivitythroughwhichanindividualcanearnmoney

Landlord
Thepersonwhoownstheproperty
Latepaymentfee Feechargedwhenacreditcardholderdoesnotmaketheminimummonthlypaymentbythe
duedate
Leasing
Rentingaproductwhileownershiptitleremainswiththeleasegrantor
Lender
Apersonororganizationwhomakesfundsavailableforotherstoborrow
LetterofLast
Asignedletterthatprovidesadetailedinventoryofassetsandliabilities,describespersonal
Instruction
preferencesabouttransfersofmanyoddpiecesofpersonalproperty,
andcontainsfuneralandburialinstructions
LevelofLiving
The levelofgoodsandservicesyoucurrentlyhave.
Liability
Adebtorobligationowedtoothers
Liability
Providespaymenttoothersifamemberoftheinsuredhouseholdaccidentlycausesharmto
insurance
otherpeopleorproperty
Lifeinsurance
Providespaymenttobeneficiarieswhowerenamedbytheinsuredperson
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Lifestyle
Liquidity
LivingWill
Longtermcare
insurance
Longtermgoal
Marketprice
Marketvalue
Maturitydate

Yourhabits,attitudes,tastes,moralstandardsandtheamountofgoodsandservicesthat
youconsume
Howquicklyandeasilyanassetscanbeaccessedandconvertedintocash.
Alegaldocumentthatexpressesapersonswishesregardingprolonginghisorherlifeby
artificial,extraordinary,orheroicmeasureswhendeathisinevitable
Providespaymentforextendednursingcareduetoaccidents,illness,oroldage

Agoalthatwillbeattainedinmorethanoneyear.
Thecurrentpricethatabuyeriswillingtopay
Theamountyoucouldrealisticallysellanassetfortoday
Thespecifiedtimeinthefuturewhentheprincipal(orinitialinvestment)amountofthe
bondisrepaidtothebondholder
Medicare
Afederalprogramwhosemainpurposeistohelppayforhealthcareforthoseover65
Mobilebanking
Appsthatmanydepositoryinstitutionshavedevelopedthatallowonlinebankingaccess
fromdevicessuchassmartphones,tabletsandothermobiledevices
Monetaryasset
Assetsthatcanbequicklyandeasilyconvertedintocash
MoneyMarket
Aaccountatadepositoryinstitutionthatusuallyhasminimumbalancerequirementsand
DepositAccount tieredinterestrates
Moralhazard
Whentheactofinsuringaneventincreasesthelikelihoodthattheeventwillhappen
Mortgage
Aloanforthepurchaseorrealestate
Mortgage
Protectsthelenderincaseamortgageloanpaymentcannotbemadeandthelenderhasto
Insurance
takethepropertybackthroughaprocessknownasforeclosure(alsoknownasprivate
mortgageinsurance)
Mutualfund
Createdwhenacompanycombinesthefundsofmanydifferentinvestorsandtheninvests
thatmoneyinadiversifiedportfolioofinvestments
Needs
Goodsorservicesthatarerequiredforsurvival.

Netgain
Whenincomeisgreaterthanexpenses
Netincome
Amountofmoneyleftoncealldeductionshavebeentakenfromgrossincome
Netloss
Whenincomeislessthanexpenses
Networth
Ameasureoffinancialwealthandindicatesthemonetaryvalueofallpossessionsthata
personorhouseholdowns,minusthetotalamountsowedtoothers
Nonprofit
Anorganizationthatexiststobenefitothersthroughhumanservice,conservation,religious,
organization
orothercharitablepurposes
Occupation
Groupingofjobsthatperformsimilartasks.
Onlinebanking
AllowscustomerstocompletecertaintransactionsfromasecuredInternetsitebyusinga
usernameandpasswordfromanyplaceintheworldwithInternetaccess
Openendcredit Extendedasalineofcreditestablishedinadvance,soyoudonothavetoapplyforcredit
eachtimecreditisdesired(alsoknownasrevolvingcredit)
OpportunityCost Thevalueofthenextbestalternativethatmustbeforgoneasaresultofadecision

Overthelimitfee Feechargedifthecreditcardaccountbalancegoesoverthesetcreditlimit
Paperpaycheck
Acheckwrittentoaworkerintheamountofmoneyearned
Pawnloan
Aloanbasedonthevalueofpersonalproperty
Paydayloan
Ashorttermloanthatprovidesimmediatecashbysecuringaborrowerswrittencheckor
receivingauthorizationforautomaticwithdrawalfromtheborrowersdepositoryinstitution
account
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Payrollcard
Payrolltax
Payperiod
Paystub
Payyourselffirst
PenaltyAPR
Personal
Property
Philanthropy
Plannedbuying
process
Policy
Policyholder
Portfolio
diversification
Preapproved
Premium
Principal
Property
insurance
PropertyTax
ProSocial
Spending
Rateofreturn
PublicService
Announcement
(PSA)
Realestateagent
Redress
Renters
insurance
Refund
anticipationloan
Rent
Rental
agreement
Renters
insurance
Renttoown

Areloadabledebitcardontowhichaworker'spayisloaded
Taxeswithheldorpaidonyourbehalfbyyouremployer
Theregularschedulethatemployerspayemployees.
Outlinesthedeductionsmadetowages.
Savingforthefuturebyputtingmoneyasidebeforepayingregularmonthlybillsorusing
incomefordiscretionarypurchases
Theinterestratechargedonnewtransactionsifthepenaltytermsinthecreditcardcontract
aretriggered
Propertyownedbythedeceasedindividually,suchasacar,jewelry,stocks
Thedesiretopromotethewelfareofothers,expressedespeciallybythegenerousdonation
oftimeand/ormoneytoworthycauses
Thinkingthroughthedetailsofapurchase,fromtheinitialdesiretobuytosatisfactionafter
thepurchase
Acontractbetweentheinsurancecompanyandtheinsuredthatstatestheexacttermsof
thepolicyincludingwhatrisksarecoveredandhowmuchwillbepaidforanylosses
Apersonwhoownsthepolicy
Reducesriskbyspreadinginvestmentmoneyamongawidearrayofinvestmenttools
Whensomeonehaspassedaninitialcredithistorycheck
Themoneypaidtoaninsurancecompanytopurchaseapolicy
Theoriginalamountofmoneysavedorinvested
Providespaymenttotheinsuredpersonifhisorherpropertyisdamagedordestroyedbyan
accidentcoveredbytheinsurancepolicy.
Ataxonpropertysuchasland,buildings(includinghomes),andmotorvehicles
Moneyspentonothers
Thetotalreturnonaninvestmentexpressedasapercentageoftheamountofmoneysaved
PrintadvertisementorbroadcastcommercialonTVorRadio,intendedtochangeattitudes
byraisingawarenessaboutspecificissues
Licensedindividualrepresentingabuyerorsellerinacontractualtransactiontopurchase
realproperty
Theprocessofrightingawrong
Providespaymenttorenterstocoverthedamageandlossofpropertyinarentalunitin
additiontoliabilitylosses
Shorttermcashadvancesecuredbyataxpayersexpectedtaxrefund
Thepricepaidfortheuseofsomeoneelsesproperty
Acontractspecifyingthetenantsandlandlordslegalresponsibilities
Anoptional(butimportant)purchasethatcoversdamageandorlossofpersonalproperty
andliabilityinarentalhome
Tangibleitemssuchasfurniture,electronicsorhouseholdappliancesareleasedwiththe
conditionthattheitemwillbeownedbytherenterifthetermofrentiscompleted.The
cumulativeendamountaconsumerpaystoleaseanitemistypicallymuchhigherthanifthe
consumerboughttheitemfromtheonset.

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3.0.36.E1

Resources
Return
Returned
paymentfee
Risk
Salary
Salestax
Saving
Savings
Savingsaccount
Savingstools
SchumerBox
Securitydeposit
Simpleinterest
Shorttermgoal
Socialcapital
SocialEnterprise
SocialSecurity
Special
assessments
Speculative
investments
Spendingplan
Standardof
Living
Statementof
financialposition
Stock
Stockholderor
Shareholder
Stockexchange
Tangibleasset
Taxadvantaged
investments
Taxes
Taxliability

Anythingthatcanbeutilizedtomeetanobjective.Itcanincludehumancapital,money,
time,emotionandmore.
Theprofitorincomegeneratedbysavingandinvesting
Feechargedifthecardholdermakesapaymentbutdoesnothaveenoughmoneyinthat
accounttocoverthepayment
Thechanceoflossfromaneventthatcannotbeentirelycontrolled
Fixedamountofmoneyorcompensationpaidtoanemployeebyanemployerinreturnfor
workperformed
Ataxonpurchasedgoodsandservices
Accumulationofexcessfundsbyintentionallyspendinglessthanyouearn
Portionofincomenotspentonconsumption
Anaccountatadepositoryinstitutionthatisdesignedtoholdmoneynotspentoncurrent
consumption
Accountsofferedbydepositoryinstitutionswhosemainpurposeistohelppeoplemanage
theirmoney
Termsandfeesofacreditcardinaneasytoreadboxonallcreditcardapplicationsand
solicitations
Moneypaidtoalandlordtocoverpotentialcleaningcostsattheendofthelease,aswellas
anydamagesthepropertysufferedduringoccupancy
Interestearnedontheprincipalinvestment
Agoalthatwillbeattainedinlessthanoneyear
Theaccessapersonhastosocialrelationshipsthatcanprovideresources
Anorganizationthatappliescommercialstrategiestomaximizeimprovementsinhumanand
environmentalwellbeing,ratherthanmaximizingprofitsforshareholders.
Providesbenefitsforretiredworkersandtheirdependentsaswellasforthedisabledand
theirdependents.
Feescollectedbythelocalcitygovernmentforutilities,roadmaintenanceandotherservices
suchasfireprotectionandstreetlighting
Havethepotentialforsignificantfluctuationsinreturnoverashortperiodoftime

Anincomeandexpensestatementsometimesreferredtoasabudgetwhichrecordsboth
plannedandactualincomeandexpensesoveraperiodoftime
Thelevelofmaterialcomfortasmeasuredbythegoods,services,andluxuriesyouareable
topurchase
Afinancialstatementthatdescribesanindividualorfamilysfinancialconditionona
specifieddatebyshowingassets,liabilities,andnetworth
Ashareofownershipinacompany
Theownerofastock
Anorganized,centralservicetobuyandsellstocks,bondsandotherinvestmentsthatare
traded
Personalpropertythatwaspurchasedtocreatealifestyleorimproveyourlife
Reduce,defer,oradjustthecurrentyeartaxliability
Asumofmoneydemandedbyagovernmenttosupportthegovernmentitselfaswellas
specificfacilitiesorservices
Totaltaxbill

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3.0.36.E1

Taxlien
Taxpayer
Tenant
Testator
Tieredinterest
rate
TimeUtility
Timevalueof
money
Titleloan

Alegalclaimbyagovernmententitytotakeanindividualspropertyorincomewhentheir
taxesarenotpaidinfull
Apersonwhopaysataxtonational,state,countyormunicipal(city/town)governments
Apersonwhorentstheproperty
Amanorwomanwhomakesawill
Theamountofinterestearneddependsontheaccountbalance

Conceptthatreferstosatisfactionreceivedfromtimegivenup
Moneyavailableatthepresenttime(today)isworthmorethanthesameamountifreceived
inthefuture
Theborrowergivesthelenderhis/herautomobiletitleinexchangeforasetamountofcash.
Thelenderholdsthetitleuntiltheloanisrepaid.Iftheloanisnotrepaidasagreed,the
lenderkeepstitletotheitem.
Tradeoff
Givinguponethingforanother
Transferable
Versatileskillsthatareappliedtopersonalandprofessionalroles
Skills

Unearnedincome Incomereceivedfromsourcesotherthanemployment
Unemployment
Asourceofincomeforworkerswhohavelosttheirjobsthroughnofaultoftheirown.
insurance
UnhealthyGiving Producesdiminishedwellbeingforboththegiverandthereceiver.
Utility
Measureofsatisfaction
Value
Afundamentalbelieforpracticeaboutwhatisdesirable,worthwhile,andimportanttoan
individual
VariablerateAPR AnAPRthatmaychangedependingonotherfactors
Want
Thedesireforgoodsandservicesthatcanincreaseourqualityoflifebutarenotabsolutely
necessaryforoursurvival
Wealth
Ameasurementofhowmuchapersonorhouseholdownsoncealldebtshavebeenpaid
Wellbeing
Feelinggoodaboutoneslife
Will
Awrittendocumentrepresentingtheinstructionsofthedeceasedforthedistributionofthe
estate
Workers
Astatesponsoredsystemthatpaysmonetarybenefitstoworkerswhobecomeinjuredor
compensation
disabledonthejob.

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