your life, your money

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Across
  1. 2. /a thing lent; something the use of which is allowed for a time, on the understanding that it shall be returned or an equivalent given; especially a sum of money lent on these conditions, and usually with interest
  2. 3. /a certificate representing the purchaser's agreement to lend a business or government money on the promise that the debt will be paid — with interest — at a specific time.
  3. 9. limit fee/a fee that is incurred when credit card users charge more than their credit limit on the card.
  4. 10. individual who conceives of, establishes, operates, and assumes the risks of a business.
  5. 11. government fee on business and individual income, activities, or products
  6. 13. /a bank account that allows you to transfer money you've deposited to a payee by writing checks or using a check or debit card to make purchases.
  7. 15. union/an organization of workers formed for the purpose of advancing its members' interests in respect to wages, benefits, and working conditions
  8. 16. insurance/covers specific medical costs associated with illness, injury, and disability.
  9. 17. benefits/any additional benefit.
Down
  1. 1. /a financial institution deposit account that pays interest and allows withdrawals.
  2. 3. /1. a spending plan. 2. a record of projected and actual income and expenses over a period.
  3. 4. long-term loan to buy real estate, that is, land and the structures on it.
  4. 5. /the automatic transfer of salaries, wages, rents, benefits, or other sums, directly to the account of an employee or beneficiary
  5. 6. an agreement to provide goods, services, or money in exchange for future payments with interest by a specific date or according to a specific schedule. The use of someone else's money for a fee.
  6. 7. /an item in your budget whose cost is different each month, such as a utility payment.
  7. 8. federal government program, financed by deductions from wages, that pays for certain health care expenses for older citizens. The Social Security Administration manages the program
  8. 10. /the cost of goods and services, including those that are fixed (such as rent and auto loan payments), variable (such as food, clothing, and entertainment), and those that are periodic (car repairs, doctor's appointments).
  9. 12. plan/plan provided by an employer or a self-employed individual for retirement. Because of the tax advantages, most retirement plans are designed to insure a present deduction to the employer while the employee is permitted to avoid recognizing the income until he has actually or constructively received it.
  10. 14. /a fee for having an active credit card. Most credit card providers no longer require an annual fee.
  11. 18. tax deduction/an amount subtracted from an individual's adjusted gross income to reduce the amount of taxable income.