Type
Word Search
Description

simple ira
rollover
profit sharing
trust
record keeping
time consuming
affordable
future
savings
business
individual
retirement

Unit 6: Introduction to Investing Crossword

Type
Crossword
Description

Investment contracts in which the investor exchanges a sum of money for a series of payments over time. annuities
A loan to a company to finance a wide array of business purposes—from short-term inventory financing to long-term investments in equipment. commercial loan
A method of interest payment. This is calculated by adding the interest earned by the investment to the previously earned interest. Each time interest is added to your savings the next interest amount is compounded on the new balance. compound interest
A combination of two or more corporations engaged in entirely different businesses that fall under one corporate structure. conglomerate
Regularly purchasing stocks or mutual funds, whether they are high or low, by investing a constant dollar amount so that over the long term the high and low prices of the investment products average out. dollar-cost averaging
An employer-sponsored retirement plan that allows a worker to save for retirement while deferring income taxes on the saved money and earnings until withdrawal. 401k
A riskier type of investment with a higher potential for return. Examples include stocks, bonds, and mutual funds growth investment
Subject to fast, extreme changes in price or value. volatile
Planning investments and other transactions to match the money and other assets available to an individual over time to the ways in which they want to spend those assets, including personal consumption, charitable donations, support for family members, and gifts. wealth management
A legal relationship in which one person or company holds property, which can include money, real estate, stocks, bonds, collections, automobiles, and personal possessions for the benefit of another. trust
Accounts that can receive and hold funds for a specific purpose such as retirement, college tuition, or medical expenses. If these accounts are established according to federal tax rules, the owner of the account will not have to pay income taxes on the money placed in them until it is withdrawn tax-deferred accounts
The rule is a simplified way to determine how long an investment will take to double, given a fixed annual rate of interest. By dividing 72 by the annual rate of return, investors can get a rough estimate of how many years it will take for the initial investment to duplicate itself. rule of 72
The chance that the rate of return on an investment will be different from what you expected. risk
Accounts that permit individuals to save and invest funds without paying taxes on the income from the investment as long as the proceeds are eventually applied to legitimate educational expenses at an accredited institution. educational plans
The strategy of pursuing an assortment of investments to minimize the effects of risk and volatility. diversification
Helping individuals or a family determine in advance what will happen to their money and other assets after the death of one or more individuals in the family. estate planning
Describing a future financial goal and computing the kinds of income, savings, and investment that will be necessary to achieve the financial goal. financial planning
A safer type of investment with a lower potential for return but that provides regular incomes to investors. Examples include savings accounts and certificates of deposit. income investment
The percentage return on an investment over a set time period, usually a year. interest rate
The original amount of money a person invests (as opposed to interest). principal
The amount of money gained or lost on an investment relative to the amount of money invested, usually expressed as an annual percentage. rate of return
Anticipating a desired or necessary future income after retirement and then creating a plan for the amount of savings and investment needed to create that future income. retirement planning
A company whose main business is holding securities of other companies purely for investment purposes. The investment company invests money on behalf of shareholders who in turn share in the profits and losses. investment service
The ease with which an investment can be converted into cash. liquidity

Business Management Crossword

Type
Crossword
Description

a person who is the exclusive owner of a business. they are entitled to keep all profits for themself after tax has been paid, but has unlimited liability (2 words) sole trader
the market where the initial shares of a public company are first floated (2 words) primary market
a market with a decline and a drop in share prices and demand (2 words) bear market
the name for the Hong Kong stockmarket index (2 words) hang seng
the availability of liquid assets to a market or company (1 word) liquidity
__ is the share price of a share when it is floated on the secondary market (2 words) public float
a person who sets up a business(es), taking on the financial risks in hope of profit (1 word) entrepreneur
the 4 P's of marketing include price, placement, product and ____ (1 word) Promotion
companies like McDonald's are known as ____ (1 word) franchises
you can earn an income from shares by either selling stock, or receiving ___ (plural, 1 word) dividends
a stock in a corporation which has a great reputation, is reliable and operates well (plural, 3 words) blue chip stocks
the Australian share market (abbreviated) ASX

Financial Planning Vocabulary Crossword

Type
Crossword
Description

the outlay of money usually for income or profit Investment
an objective which is expressed in or based upon money Financial Goals
a way of conceptualizing price changes in the trading of securities Point
an amount of money that is spent on something "bought something" Expenditure
an informal loan arrangment between a bank and a customer allowing the customer to borrow up to a prespecitied amount Line of Credit
the buying of retail merchandise prompted by a whim on seeing the product displayed Impulse Buying
how much a future sum of money is worth today Present Value
a crime where one person uses another person's personal data without their permission. Identity Fraud
company divides its existing shares into multiple shares Stock Split
an individual retirement account is an investing tool used by individuals to earn and earmark funds for retirement savings IRA
first sale of stick by private company to the public IPO
interest calculated on the initial principal and also on the accumulated interest of previous periods of a deposit or loan Compound Interest
paying off of debt with a fixed repayment schedule in regular installments over a period of time Amortization
a money penalty or fine Pecuniary Monies

Personal Finance Crossword

Type
Crossword
Description

Financial gain Profit
estimation of revenue and expenses to manage money Budget
Money paid to you by the company based on the performance Dividend
Shares are bought and sold through _____________ ASX
person who specialises in buying and selling shares stockbroker
money you make when you sell something for a higher price than what you paid for Capital gain
Way to save for retirement superannuation
money received through investments or work income
A ________ cost is something you spend money on every week fixed
A _______ cost is anything that you don't have a defined amount of spending every week variable
main provider of finance to businesses and consumers bank
something that is borrowed loan
an alternative to paying instead of cash, a plastic object credit card
Used by purchasers to buy real estate Mortgage
Income minus expenditure savings
Someone you owe money to Creditor
Person who owes money to someone Debtor
capital raised by a company, you can invest on this in asx stock
Money paid or received for work services Wages
money that is owed debt

Savings Accounts Crossword

Type
Crossword
Description

To put money aside for future use. Save
The recommended amount to save. tenpercent
Saving your money rather than spending it is called a ____________cost. opportunity
A person should always have _________pay saved incase of emergencies. sixmonths
A collection of money used for retirement that is slowly deminishing. socialsecurity
When employers pay you a percentage of your retirement investment. ______Method matchby
Rate of return is also called: interest
Interest calculated on principle (deposit) and previously earned interest. compound
Interest calculated on only the principle (deposit). simple
Money in the bank is used as a __________for other people or businesses. loan
Investing in a savings account helps the: economy
Savings account that will accepts deposits and withdraws at any time. regular
Savings account that can be accessed with a limited number of checks. moneymarketfund
Savings account that has a maturity date. certificateofdeposit
Savings account that has a higher interest rate. CD
Savings account that pools money together to make small investments in other companies. moneymarketfund
Organization that insures banks up to $250,000 FDIC
Investments NOT insured federally.__________firms. brokerage
The ease of converting something of value to cash. liquidity
The risk of the value of a dollar going down. inflation

Personal Finance Crossword

Type
Crossword
Description

Income, especially when of a company or organization and of a substantial nature. Revenue
An estimate of income and expenditure for a set period of time Budget
The proportion of a loan is charged as interest to the borrower, typically expressed as an annual percentage of the loan outstanding. Interest Rates
Money paid regularly at a particular rate of the use of money lent, or for delaying the repayment of a debt. Interest
The capital raised by a business or a corporation through the issue and subscription of shares. Stocks
A certificate issued by a government or a public company promising to repay borrowed money at a fixed rate of interest at a specified time Bonds
A system of money in general use in a particular country. Currency
Borrow (a sum of money or item of property). Loan
Expend money with the expectation of achieving a profit or material result by putting it into financial schemes, shares, or property, or by using it to develop a commercial venture. Investing
Money received, especially on a regular basis, for work or through investments. Income
Pay out (money) in buying or hiring goods and services. Spending
The money one has saved, especially through a bank or official scheme. Savings
The ability of a customer to obtain goods or services before payment, based on the trust that payment will be made in the future. Credit

Business Key Terms Crossword

Type
Crossword
Description

When an individual is unable to pay debts. Bankrupt
To allocate money for benefit in the future. Investment
A financial gain. Profit
Money collected from tenants for the use of property. rent
The value of the shares issued by a company. equity
Advice on money issues. Financial Advice
A plastic card issued by a bank. Credit Card
A company provides compensation for loss. insurance
Money borrrowed from a financial institution to buy property. mortgage
Minimum numbers of hours that have to be worked. casual work
A legal order so that a certain amount of money can be deducted from a borrower’s wages to repay debt. garnisheed
A sumof money paid by the financial sector in return for the investment of money. interest
A type of employment where regular hours are worked at a fraction Part-time work
Debt restructuring. Refinancing
Prevents something else from being harmed. savings buffer

Unit 4 review Crossword

Type
Crossword
Description

all income that a business receives over time Revenue
the cost of operating a business Expenses
provides detailed plans for the financial needs of many Budget
plans income and expenses from the beginning of a new business or a major business expansion until it becomes profitable Start-up budget
describes the financial plan for ongoing operations of a business for a specific period Operating Budget
an estimate of the actual money received and paid out for a specific period Cash budget
used to record and analyze the financial performance of a business Financial Records
a report that covers the revenue and net income or loss for a specific period Income Statement
the financial record of employee compensation, deductions and compensation Payroll
refers to the day-to-day financial activities associated with using limited income to satisfy your unlimited needs and wants Money Management
the difference between a persons assets and liabilities Net Worth
any difference between actual spending and budgeted amounts Budget Variance
a report that summarizes your current financial condition and sets a direction for future financial activities Financial Plan
supervises and regulates member banks to help banks serve the public efficiently Federal reserve system
offer a wide variety of financial services Commercial Bank
used for ATM transactions Debit Card
a written notice that tells the bank not to pay a certain check Stop payment order
the storing of money for future use Saving
using your savings to earn more money Investing
the ease with which an investment can be changed into cash without using its value Liquidity
the price at which stocks are being bought and sold Market Value
the difference between the price at which you can currently sell your house and the amount owed on the mortgage Equity

economic indicators Crossword

Type
Crossword
Description

The different phases of growth that an economy experiences over time. business cycle
How the people who run companies feel about the economic aspects of their organisations' future business confidence
how good consumers feel about their economic future consumer confidence
a prolonged recession in economic activity depression
increase amount of national growth that has occurred over time economic growth
a statistic to measure the health of an economy e.g: GDP economic indicator
a measure of economic activity in a country GDP
The cost of borrowing money or earned on savings interest rate
a sustained increase in the prices of goods and services over time inflation
when the manufacturing costs less then what its sold for profit
the process of making goods and services production
The rate of output per unit of input. productivity
a period of time with low or negative economic growth recession
the percentage of income saved by individuals or households. savings ratio
someone without a job whilst looking for one unemployed
the number of (age15+) people without a job unemployment rate
people who are working but wish to work more hours then they do now. underemployment

Business Vocabulary Crossword

Type
Crossword
Description

A business or association usually formed to manufacture or supply products or services for profit. Company
A company legally separate from stockholders who own it and the managers who run it. Corporation
A person who organizes, operates, and assumes the risk for a business venture. Entrepreneur
A company owned and managed by two or more people who share its profits or losses. A partnership is not separate from its owners, who are liable for the company’s debts. Partnership
A corporation that doesn’t sell shares to the public. You cannot buy shares of a private company in the stock market. Private corporation
The stock of a public company is owned and traded by individuals and institutional investors. In contrast, the stock is held by company founders, employees, and sometimes venture capitalists. Public corporation
A company owned and run by one individual who receives its profits or its losses. A proprietorship is not separate from its owner, who is liable for the company debts. Sole-proprietorship
Shares of a company that do not guarantee a dividend and have more risk and volatility than preferred shares. Common stock holders have the benefit of providing shareholders with the right to vote for the board of directors as well as on issues that come before the board at the annual meeting of shareholders. Common Stock
A business that is owned by stockholders and has right and responsibilities as if it were a person. Corporation
Part of a company’s profits (earnings) that it pays as money to stockholders. Dividend
The amount of money that remains after subtracting the company’s expenses from its revenue. Earnings
Someone who risks funds by purchasing financial products with the hope the investments will increase in value over time. Investor
The initial sale of stock to the public by investment bankers. IPO
Shares of ownership of a company in which the shareholder is guaranteed a dividend if one is declared and whose shares are usually not as volatile as common stock. Preferred stock holders do not have voting rights in company elections and decisions. Preferred Stock
A company that is owned by a person, family, or small group of investors that does not sell shares of stock in the company to the public. Private Company
A company that is owned by investors who buy shares of stock, partial ownership of the assets of a business, in the corporation usually through one of the stock exchanges. Public Company
The chance of losing all or part of an investment. Risk
A type of security that signifies ownership in a corporation and represents a claim to a part of the company’s profits or losses. Companies usually issue stock to raise money for a variety of reasons, including expanding or modernizing their operations. Stock
An announcement appearing in financial publications such as The Wall Street Journal announcing a company’s Initial Public Offering (IPO.) Tombstone Ad
Indicates how much and how quickly the value of an investment, market, or market sector changes. Volatility
By law, each publicly held corporation must provide its shareholders with an annual report showing its income and balance sheet. In most cases, it contains not only financial details but also a message from the chairman, a description of the company's operations, and an overview of its achievements. Annual Report
Process by which assets of a business are converted to money. Liquidation
The condition of owning stock. The value of a long position is a stock’s current share price multiplied by the number of shares owned. Long position
If you own common stock in a U.S. corporation, you have the right to vote on company policies and to elect the company's board of directors. You may vote in person at the annual meeting or authorize the board to vote on your behalf using an absentee ballot, or proxy,Which you can submit by mail or, increasingly often, by telephone or over the Internet. Proxy
An individual or company (including a corporation) that legally owns one shares of stock in a stock company. The shareholders are the owners of a corporation. Shareholder