| A | B |
|---|
| Bonds | A certificate of indebtedness issued by a government or a publicly held corporation. |
| Certificates of Deposit | A (interest bearing) certificate issued by a bank to a person depositing money in an account for a specified period of time. |
| Money Market Account | An interest-bearing account similar to a checking account. |
| Mutual Funds | A pool of money used by a company to purchase a variety of stocks, bonds, or money market instruments. |
| Real Estate | Property such as land, houses, and office buildings. |
| Stocks | An ownership share or shares of ownership in a corporation. |
| Treasury Securities | Bonds issued by the United States Treasury to investors when the federal government borrows money. |
| Finance Charges/Fees | The total cost of credit, including interest and transaction fees. |
| Interest Rate Risk | The chance that interest rates may change while the save is " locked in" to a rate for a time deposit or a bond. |
| Load | A feed charged for puchasing or selling shares of a mutual fund. |
| Market Gains/Losses | The loos of value of an investment due to market conditions. |
| 401(k) | A type of retirement savings account allowed in the US. |
| Annuity | A financial contract where an individual makes a series of payments over time. |
| Individual Retirement Account (IRA) | An account in which an individual may set aside earned income in a tax-deferred savings plan for his or her retirement. |
| Keogh Plan | A federally-approved, tax-deferred savings program for self-employed people. |
| Pension Fund | An account established by a business to fund retirement benefits for its workers. |
| Pre-tax | A portion of the wage or salary that has not had taxes withheld prior to being allocated to a retirement plan or other approved benefit. |
| Broker | An individual license to buy and sell stocks on behalf of others. |
| Capital Gains | A profit realized from the sale of property, stocks, or other investments. |
| Dividend | A share of a company's net profits paid to stockholders. |
| Exchange | A place for the buying and selling of stocks, bonds, or other investments. |
| Investing | The process of putting money someplace in the long-term with the intetion of making a financial gain. |
| Specialist | An individual who works at an exchange and whose job is to make a merket when none exists, essentially buy stocks when there is no buyer and selling stocks when there is no seller. |
| Speculating | The process of putting money someplace in the short-term with the intent of making a profit from market movement. |
| Stock | An ownership share or shares of ownership in a corporation. |
