| A | B |
|---|
| Food and Drug Administration | Federal agency that regulated labeling and safety of food, drugs, and cosmetics sold in the United States. |
| Consumer Product Safety Commission | Federal agency responsible for oeverseeing the safety of all products except food, drugs, and cosmetics, medical devices, tobacco products, firearms and ammunition, motor vehicles, pesticides, airecraft, boats, and fixed site amusement rides. |
| Equal Employment Opportunity Commission | Federal agency responsible for the fair and equitable treatment of employees with regard to hiring, firing, and promotions. |
| Occupational Safety and Health Administration | Federal agency that provides guidelines for workplace safety and enforces those regulations. |
| Securities and Exchange Commission | Federal agency that regulates the sale of securities (stocks and bonds), licenses brokerage firms and financial advisers, and investigates dealings among corporations. |
| Debt Snowball: | preferred method of debt repayment; includes a list of all debts |
| Depreciation: | a decline in the value of property; the opposite of appreciation. |
| Tax Deduction: | expense that a taxpayer is allowed to deduct from taxable income; examples include money paid as home mortgage interest and charitable donations. |
| Truth-in-lending: | a law that says you must be told the cost of credit in writing before you purchase it and you are limited to oweing only $50 for unauthorized purchases. |
| Equal Credit opportunity Act: | Allows a woman to have the right to her own credit. |
| Opportunity Cost: | the true cost of something in terms of what you have to give up to get an item; the benefits you would have received by taking the other action. |
| Significant Purchase: | an amount of money you spend, usually $300 or more, that causes some pain to part with. |
| Annual Fee: | fee charged by a credit card company for the use of their credit card. |
| Annual Percentage Rate (APR): | cost of borrowing money on an annual basis; takes into account the interest rate and other related fees on a loan. |
| Credit | money owed. |
| Blank Endorsement | An endorsement consisting of only the endorser's name. |
| Check register | A separate form on which the depositor keeps a record of deposits and checks |
| Restrictive endorsement | An endorsemennt that limits the use of a check to the purpose given in the endorsement. |
| Special Endorsement | An endorsement including the name of the person to whom the check has been transferred. |
| Signature card | A card kept by a bank, that shows the signatures of all individuals authorized to draw checks against the account. |
| service Charge | A fee a bank charges for handling a checking account. |
