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STEM SEMESTER EXAM

STEM SEMESTER EXAM Coach Leach

TermDefinition
Assets Anything of material value owned by an individual or company. This may include your house, car, furniture — anything that’s worth money.
Budget A plan for future spending and saving, weighing estimated income against estimated expenses.
Expenses The money an individual spends regularly for items or services.
Impulse spending Spur-of-the-moment, unplanned decision to buy, made just before a purchase.
Liabilities Everything that you owe, which may include your mortgage, credit card balance, interest, student loans, and loans from family and friends.
Interest rate The rate at which a borrower pays interest for borrowing an item or money, or the percentage rate earned on a given investment.
Liquidity How easily or quickly you can withdraw your money.
Mutual fund A collection of stocks, bonds, or cash managed by a professional for a fee toward a stated goal.
Principal The amount of money you deposit in your account to begin saving or the original amount of money borrowed.
Variable interest rate An interest rate that fluctuates based on market changes.
Annual fee The once-a-year cost of owning a credit card. Some credit card providers offer cards with no annual fees.
Brokerage firm An organization that charges a fee to act as an intermediary between buyers and sellers of stock.
Certificate of deposit (CD) A savings certificate issued by a bank, depositing money for a specified length of time.
Introductory rate An interest rate offered by lenders in the initial stages of a loan. These rates are often set much lower than standard rates in order to attract new borrowers.
Debt load The sum total of all the money you owe.
Debt snowball method This method of paying off loans works by prioritizing debts based on their size. By paying off smaller loans first, you’ll be able to pay off several loans earlier on, and your payments “snowball” as you’re psychologically rewarded.
Doxing These scams occur when someone releases online personal information about their victim, like their home address or cellphone number.
Malware Software that is intended to damage or disable computers and computer systems.
Pharming The fraudulent practice of directing internet users to a bogus website that mimics the appearance of a legitimate one, in order to obtain personal financial information such as passwords, account numbers, etc.
Phishing The fraudulent practice of sending emails purporting to be from reputable companies in order to induce individuals to reveal personal financial information, such as passwords and credit card numbers.
Pyramid schemes Illegal schemes in which money from new investors is used to show a false return to other investors.
401(k) A 401(k) is a feature of a qualified, employer-sponsored retirement plan that allows eligible employees to contribute a portion of their wages to individual accounts.
529 plan A savings plan operated by a state or educational institution, designed to help set aside funds for future college costs. Savings deposited in a 529 plan grows tax-free until withdrawn.
Annuities An annuity is an investment agreement in which you pay an insurance company a specified amount of money and the insurer invests it for you with the promise to pay you back on a future date or series of dates.
Capital gains Profits from the sale of an investment.
Collateral An asset or amount of money provided as security for repayment of a loan.
Cost-benefit analysis Analyzing whether the cost of an item is more than, equal to, or less than the benefit that comes from its purchase.
Deductible The amount an insured person must pay for services before the insurance provider begins to cover costs.
Entrepreneur Someone who owns or operates his or her own business.
Expenses The money an individual spends regularly for items or services.
Grants A type of financial aid that you don’t have to repay and are usually based on financial need.
Gross income The total amount of money an individual has earned before voluntary deductions, such as 401(k) contributions, and involuntary deductions, such as taxes are taken out.
SMART goals An acronym guideline for setting financial goals that are Specific, Measurable, Attainable, Relevant, Time-Related.
Turtle Programming A method of teaching programming using a virtual robot named after an animal that draws lines.
Loop is a block of code that is repeated or "looped through" in a program.
HTML Hypertext Markup Language, a standardized system for tagging text files to achieve font, color, graphic, and hyperlink effects on web pages.
Design Process is a process that helps you break down large projects into smaller, easier to handle stages.
Created by: CoachLeach
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