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civics chapter 20

consumer someone who buys a product or service
disposable income is the money that remains after all taxes on it have been paid
discretionary income the money remaining after paying for necessities
consumerism a movement to educate buyers about the purchases they make and to demand better and safer products from manufacturers
comparison shopping buying strategy to get best buy for the money
warranty the promise of a manufacturer or a seller to repair or replace a faulty product within a certain time period.
budget the best way to get a handle on your spending is to make a budget
income money that you earn
expense the money you spend on everything, including what you choose to save.
credit borrowing money to pay for something now while promising to repay it better
annual percentage rate (APR) the annual cost of credit expresses as a percentage of the amount borrowed
collateral is property such as a house, a car, or other valuable item, that a borrower pledges as security for a loan.
bankruptcy the inability to pay debts.
save means to set aside income for a time so you have it to use later.
interest the payment people receive when they lend money, or allow someone else to use their money
principal the amount you initially deposited
return profit earned by the investor, is usually low.
stock you are buying partial ownership in a company
dividend can substantially increase your profit from owning stock.
bond lending money to a company or government
mutual fund many investors find it easier to invest in stocks and bonds
impulse buying buying things to feel better
Created by: cierreadouglas