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Personal Finance Ter

Armuchee Personal Finance Terms

Stock whose dividends are based on market fluctuations. Common Stock
Tax for which the percentage of tax remains the same for all income levels. Proportional Tax
Tax for which the percentage of tax increases as income increases. Progressive Tax
Tax for which the percentage of income paid in taxes decreases as income increases. Regressive Tax
Money an investor receives over and above the amount initially invested. Return
Market for selling financial assets that can only be redeemed by the original holder. Primary Market
Market for reselling financial assets. Secondary Market
Interest that is paid on principle and interest. Compound Interest
Interest that is earned only on initial deposit or money borrowed. Simple Interest
Fund that pools money of many people to invest in a variety of stocks, bonds or other financial assets. Mutual Funds
Formal contract to repay borrowed money with interest at fixed intervals. Bonds
Certificate of ownership in a corporation. Stocks
Stock whose dividends are based on an annual rate of return. Preferred Stock
Stock that reinvests dividends in more stocks. Growth Stock
Stock that pays regular dividends. Income Stock
Portion of corporate profits paid out to stockholders. Dividends
Market in which money is lent for periods of less than a year. Money Market
Market in which money is lent for periods longer than a year. Capital Market
Investing done by individuals. Personal Investing
Investing done by businesses. Economic Investing
Insurance that a person purchases when they buy a house. Property Insurance
Insurance that covers needs such as doctor’s visits and hospital visits. Health Insurance
Insurance that a person purchases when they buy a car. Auto Insurance
Threat of losing money. Risk
Postpone spending in order to meet short term goals. Saving
Exchanges money for something with the future expectation of receiving a profit. Investing
Banks that offer checking services, accept deposits, and make loans. Commercial Banks
Chartered to lend money for home-building in the mid-1800s. Savings and Loan Associations
Traditionally served people who made smaller deposits and transactions than commercial banks wished to handle. Savings Bank
Cooperative lending associations for particular groups, usually employees of a specific firm or government agency. Credit Unions
Institutions that make installment loans to consumers. Finance Companies
Low denomination bonds issued by the U.S. government Savings Bond
Bonds are issued by state or local governments to finance such improvements as highways, state buildings, libraries, and schools. Municipal Bonds
Bond that a business issues to raise money to expand. Corporate Bond
Lower-rated, potentially higher-paying bonds. Junk Bonds
The financial gain received when you sell a stock for more than you purchased it for. Capital Gains
Division of a single share of stock into more than one share. Stock Split
Country’s largest stock exchange New York Stock Exchange
Exchange that specializes in high-tech and energy stock. NASDAQ-AMEX
An index that shows how stocks of 30 companies in various industries have changed in value. Dow Jones Industrial Average
An index that tracks the performance of 500 different stocks. S&P 500
A tax on a person’s income Income Tax
A tax on the dollar value of a good or service being sold Sales Tax
A tax on the value of property Property Tax
A tax on the value of a company’s profits Corporate Tax
The ability of a consumer to obtain goods or services before payment, based on an agreement to pay later Credit
The price of using someone else’s money Interest
A record of an individual’s personal credit history Credit Report
Can be used to repay the debt in case the borrower defaults on the loan Collateral
Insurance that pays out a sum of money on the death of the insured person to the heirs. Life Insurance
Created by: Armuchee
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