Type
Word Search
Description

controlling interest
significant influence
equity securities
debt securities
available for sale
subsidiary
parent
consolidation
security
amortized cost
trading
heldtomaturity
equity method
investee
investor

Accounting Terms: Back to Basics Crossword

Type
Crossword
Description

describes the sources and uses of cash for a reporting period Statement of cash flows
charge for using money until repaid at a future date Interest
security that represents ownership in a corporation; holders exercise control by electing a board of directors and voting on corporate policy Common stock
amount by which a company's value exceeds the value of its individual assets and liabilities Goodwill
class of ownership in a corporation that has a higher claim on its assets and earnings than common stock Preferred stock
net sales minus cost of goods sold Gross profit
record within an accounting system where increases and decreases in a specific asset, liability, equity, revenue, or expense are entered and stored Account
process of allocating the cost of an intangible asset to expense over its estimated useful life Amortization
an entry that increases asset and expense accounts, and decreases liability, equity ad revenue accounts Debit
income statement, balance sheet, statement of changes in owner’s equity, and statement of cash flows Financial statements
customers and other individuals and organizations who owe a company Debtors
journal entry at the end of an accounting period to bring an asset or liability account to its proper amount and update the related expense or revenue account Adjusting entry
total cost of an asset less its accumulated depreciation Book value
an asset created by selling products or services on credit Accounts receivable
method to assign cost to inventory that assumes items are sold in the order acquired FIFO
entity created by law and separate from its owners Corporation
inflows of assets in exchange for products and services provided to customers as part of a company’s operations Revenues
length of time an asset will be productively used in the operations of a business Useful life
occurs when expenses exceed revenues Net loss
merchandise a company owns and expects to sell in its normal operations Inventory
estimate of amount to be recovered at the end of an asset's useful life Salvage value
expense created by allocating the cost of plant and equipment to periods in which they are used; represents the expense of using an asset Depreciation
resources owned or controlled by a company that provide expected future benefits to the company Assets
a liability created by buying products or services on credit Account payable
obligations due to be paid or settled within the longer of one year of the operating cycle Current liabilities
equals a corporation’s accumulated net income (loss) for all prior periods that has not been distributed to shareholders Retained earnings

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

Financial Terms Crossword Puzzle

Type
Crossword
Description

When you’re investing or saving, this is the interest that you earn on the amount you deposit, plus any interest you’ve accumulated over time. Compoundinterest
A number used by banks and other financial institutions to measure a borrower’s credit worthiness. FICOscore
The difference between your assets and liabilities. networth
The process by which you choose what proportion of your portfolio you’d like to dedicate to various asset classes, based on your goals, personal risk tolerance and time horizon. Assetallocation
Commonly referred to as fixed-income securities. Bonds
The increase in the value of an asset or investment — like a stock or real estate — above its original purchase price. Capitalgains
The process of buying or selling securities over time in order to maintain your desired asset allocation. Rebalancing
Also called equities or shares. Stocks
This is the process of paying off your debt in regular installments over a fixed period of time. Amortization
A type of mortgage in which the interest you pay on your outstanding balance rises and falls based on a specific benchmark. ARM
An account held by an impartial third party on behalf of two parties in a transaction. Escrow
A mortgage that carries a fixed interest rate for the entire life of the loan. Fixed-rate mortgage
Employer-sponsored retirement plans, such as pensions, in which the employer promises a specified retirement benefit based on a formula that may include an employee’s earnings history, length of employment and age. Defined-benefit plans
Companies often use these as management incentives. stockoptions
The payments you make to an insurance company in return for protection from financial losses within the scope of your policy. Premium
Used to determine your taxable income, minus any additional IRS-qualified deductions that you’re eligible to take. AGI
A person who is financially dependent on your income, typically a child or an adult relative you may support. Dependent
A standard amount that can be used to reduce your taxable income if you decide not to itemize your deductions. Standarddeduction
A qualified expense that the IRS allows you to subtract from your adjusted gross income, which further reduces your taxable income. Itemizeddeduction
A type of policy that provides additional liability coverage beyond what your home, auto or boat insurance may provide. Umbrellainsurance

Personal Finance Vocabulary Crossword

Type
Crossword
Description

a savings plan designed to help set aside funds for future college costs. 529 Plan
the yearly interest rate charged on outstanding outstanding credit card balances. Annual Percentage Rate
the recording of financial transactions and exchanges. Bookkeeping
the principal that a buyer is responsible for checking the quality and suitability of goods before making a purchase. Caveat Emptor
interest calculated on both the principal and the accrued interest. Compound Interest
comparing the cost of two or more goods or services to find the best value. Cost Comparison
a record of an individual's past borrowing and payments. Credit History
an analysis made by a lender about a consumer's riskiness as a borrower. Creditworthiness
taking out one loan to cover a variety of debts, often with the goal of paying a lower interest rate overall. Debt Consolidation
a law that protect consumers from being discriminated against due to race, sex, marital status, religion or age when obtaining credit. Equal Credit
helps protect consumers by steeling established procedures for resolving credit billing. Fair Credit Billing Act
a federal agency established in 1914 that administers consumer protection legislation. Federal Trade
a relationship that requires financial dependence, contribution and communication Financial partnership
a legal process in which a mortgaged property is taken because the borrower has failed to keep up payments. Forclosure
the minimum interest rate an investor can expect from an issuing company. GuaranteedInterest
Insurance to help protect a mortgage lender in the event a borrower cannot make payments PMI
illegal schemes pyramid schemes
a period of economic decline Recession
benefits and bonuses offered to customers to entice them to open a card Rewards
insurance or investments offered by the government. SIPC

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

Personal Financial Literacy Word Search

Type
Word Search
Description

volatility
mortgage
margin call
intrinsic invest
hedge fund
growth stock
domestic product
gross
fund
fiduciary
exchange traded fund
equity
entrepreneur
economy
dividend
depreciation
debt deficit
cumulative
cost of capital
commodity
certificate of deposit
cash basis
capital
broker
bond boom
bankruptcy
asset
arbitrage
amortization
accrual basis
accounts receivable
accounts payable

Money, Banking, and Monetary Policy Crossword

Type
Crossword
Description

Liquid assets such as cash is an example of Liquiity
A debt investment in which an investor loans money to an entity Bond
Corporations sell part of their company in the form of Stocks
Sum of money expected to be paid back with intrest Loan
Money placed into a banking institution for safekeeping Bankdeposit
A method of exchange in which people exchange services and goods for other services and goods Bartersystem
Method of system whose value derives from it's official status. Fiatmoney
A measure used to set price and make economic calculations. Unitofaccount
An intermediary instrument used to facilitate the sale purchase or trade of goods between parties mediumofexchange
The function of an asset that can be saved, retrieved, or exchanged at a later date. storeofvalue
A good that is used as a medium of exchange with intrinsic value commoditymoney
property owned by a person or company regarded as having value and available to meet debt. assets
A person or thing whose presence or behavior is likely to cause embarrassment or put one at a disadvantage. liability
Proportion that is charged as interest to the borrowers, typically as an annual percentage of the loan intrestrate
System based on a level of gold Goldstandard

Personal Finance Crossword

Type
Crossword
Description

median on exchange currency
debt instrument issued for a period of more than a year bonds
trusted payment credit
lending; a grant loan
putting money to use by purchase or expenditure investing
monetary payment; received for good or services income
a share, right, or title in the ownership of property interest
preserving saving
supply of goods kept on hand for sale to customers by a merchant stocks
the amount charge interest rate
an estimate often itemized of expected income and expenses budget

Personal Finance Crossword

Type
Crossword
Description

Consists of the amount left over when the cost of a person's consumer expenditure is subtracted from the amount of disposable income he earns in a given period of time. Savings
Voluntary private consumption, or an exchange of money for goods and services. Personal Spending
A comprehensive evaluation of an investor's current and future financial state by using currently known variables to predict future cash flows, asset values, and withdrawl plans. Financial Investment Plan
Engaged in the business of dealing with monetary transactions, such as deposits, loans, investments and currency exchange. Financial Institutions
A person who regularly saves money through a bank or recognized scheme. Savers
Any person who commits capital with the expectation of financial returns. Investors
An amount of money paid by a borrower as interest on a loan. Interest charged
An amount earned by a company on its interest bearing bank accounts or other investments. Interest earned
Implies future uncertainity about deviation from expected earnings or expected outcome. Risk
Gain or loss of a security in a particular period. Return
Type of security that signifies ownership in a corporation and represents a claim on part of the corporation's assets and earnings. Stocks
Debt securities where you lend money to an issuer (e.g., a corporation or government) in exchange for interest payments and the future repayment of the bond’s face value. Bonds
An investment vehicle made up of a pool of funds collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and similar assets. Mutual Funds
Rate at which the general level of prices for goods and services is rising and, consequently, the purchasing power of currency is falling. Inflation
Process by which the monetary authority of a country controls the supply of money, often targeting an inflation rate or interest rate to ensure price stability and general trust in the currency. Monetary Policy
Government spending policies that influence macroeconomic conditions. Fiscal Policy
Is a tax that takes a larger percentage from high-income earners than it does from low-income individuals. Progressive Tax
Tax imposed so that the tax rate is fixed, with no change as the taxable base amount increases or decreases. Proportional Tax
Tax imposed in such a manner that the tax rate decreases as the amount subject to taxation increases Regressive Tax
Consumption tax imposed by the government on the sale of goods and services. Sales Tax

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