JH Personal Finance

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Across
  1. 3. union A non-profit financial institution that is owned by its members.
  2. 4. Moving the financial risk to someone else, usually by buying an Insurance policy.
  3. 6. The collection of all the different investments a person owns.
  4. 11. When you earn interest on your original money plus the interest you’ve already earned.
  5. 12. pay The "take-home" pay you actually receive after all deductions are subtracted.
  6. 14. A plan for how you will spend and save your money.
  7. 16. Physical objects that are produced, bought, and sold (things you can touch).
  8. 17. Actions or work performed by someone for another person (things you can't hold in your hand).
  9. 22. Security A federal program funded by taxes that provides money to retired people and those with disabilities.
  10. 24. A person who starts a business, taking a risk to make a profit.
  11. 25. card A plastic card that deducts money directly from your checking account when you buy something.
  12. 26. To put money into a bank account.
  13. 30. The set amount you pay for a claim before insurance covers the rest.
  14. 32. The original amount of money you deposited or invested, before any interest was added.
  15. 33. Money put aside for future use rather than spent right away.
  16. 34. The money you receive, usually from a job or an allowance.
  17. 36. Taking steps to make a risk less likely, such as wearing a helmet while biking or installing a smoke alarm.
  18. 37. pay The total amount of money you earn before any taxes or fees are taken out.
Down
  1. 1. The total list of a company’s employees and the amount of money they are to be paid.
  2. 2. A for-profit business that provides financial services to the public to make money for its stockholders.
  3. 3. card A card that allows you to borrow money from a bank to buy things now and pay for them later.
  4. 5. Choosing not to do something risky at all, like skipping a dangerous activity to avoid injury.
  5. 7. A one-page document that summarizes your education, skills, and work experience for an employer.
  6. 8. tax Money paid to the national government to fund things that affect the whole country.
  7. 9. A certificate representing a loan you made to a company or the government.
  8. 10. A type of savings account where you leave your money for a set time to earn higher interest.
  9. 13. To take money out of a bank account.
  10. 14. Plan A written document that explains a new business idea and how it will succeed.
  11. 15. Money spent on something you need or want.
  12. 17. An investor who owns "shares" of a company, giving them the right to vote on big decisions and share in the profits.
  13. 18. An occupation or profession followed as one's lifework, often involving multiple different jobs over time.
  14. 19. tax Money paid to your specific state government to fund local services like schools and parks.
  15. 20. Accepting a small risk and paying for it yourself if it happens, like being okay with losing a cheap pair of sunglasses.
  16. 21. Fund A "rainy day" savings account used only for unexpected expenses like car repairs or medical bills.
  17. 23. Extra money you earn for keeping your money in a bank, or the extra cost of borrowing money.
  18. 27. A formal meeting where a person is asked questions to see if they are the right fit for a job.
  19. 28. The profit an investor earns back on top of the original money they put in (the "reward" for their risk).
  20. 29. A tiny piece of ownership in a company.
  21. 31. A system that protects people from huge, unexpected financial losses.
  22. 32. The regular payment you make to stay covered by an insurance plan.
  23. 35. Money taken out of a paycheck for things like taxes, health insurance, or retirement.