Personal Finance Literacy & Money Management

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Across
  1. 3. Also known as the Rate of Return this is the profit that one makes on an investment
  2. 4. Fees paid in exchange for instruction
  3. 6. An amount withheld from an employee’s earnings, such as income tax and Social Security tax
  4. 12. Money set aside for emergency expenses, recommended to cover six to nine months' worth of living costs,
  5. 16. A federal health insurance system for people over 65 and for those with certain disabilities
  6. 17. A plan for future spending and saving, weighing estimated income against estimated expenses
  7. 18. Investments in which the investor has partial ownership of a company
  8. 20. The rate at which a borrower pays interest for borrowing an item or money; or the percentage rate earned on a given investment
  9. 23. Expenses that change in price and frequency each month
  10. 27. A body that regulates most banks in the United States and insures most private bank deposits
  11. 28. Personal expenses that are the same each month
Down
  1. 1. A deposit account offered by banks, in which money is invested in government and corporate securities.
  2. 2. A yearly fee associated with some financial accounts
  3. 5. An individual who uses another person’s financial information for financial gain
  4. 7. The total amount of money an individual has earned before taxes are taken out
  5. 8. Analyzing whether the cost of an item is more than, equal to, or less than the benefit that comes from its purchase
  6. 9. Allows customers to conduct financial transactions via the Internet
  7. 10. A document outlining an individual’s credit history, for use by credit card issuers and others considering providing you with a loan
  8. 11. Tax levied by a government directly on personal income
  9. 13. An account where money is kept for future use
  10. 14. A card that allows consumers to make purchases using money from their checking account. debt – The state of owing money to another individual or business, or the amount of money borrowed
  11. 15. A retirement savings plan funded by employees and often matched by contributions from the employer; contributions are usually made before taxes and grow tax-free until withdrawn, although after-tax contributions are also allowed
  12. 19. A strategy for handling one’s finances to ensure the greatest future benefit
  13. 21. Payment received for goods or services, including employment
  14. 22. The overall increase in the cost of products and services over time
  15. 24. The money an individual spends regularly for items or services
  16. 25. A period of economic decline during which trade and industrial activity are reduced
  17. 26. A brief outline of one’s professional and educational experiences and qualifications, used for the purpose of gaining employment