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federal tax rules, the owner of the account will not have to pay income taxes on the money placed in them until it is withdrawn tax-deferred accounts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

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 One Crossword

Type
Crossword
Description

An account with minimum balance requirements moneymarketdepacct
Created when a company invests the funds of many investors in diversified portfolios mutualfund
Reduces risk by spreading money among a wide array of investments foliodiversification
Savings for the future by putting money aside before paying monthly bills payyourselffirst
The original amount of money saved or invested principal
The total return on an investment expressed as a percentage of the amount of money saved rateofreturn
A fee charged for the use of property or land rent
The profit or income generated by saving and investing return
The chance of lost from an event that cannot be entirely controlled risk
Accumulation of excess funds by intentionally spending less than you earn saving
Portion of income not spent on consumption savings
An account at a depository institution that is designed to hold money not spent on current consumption savings account
Accounts offered by depository institutions whose main purpose is to help people manage their money savings tools
Have the potential for significant fluctuations in return over a short period of time speculativeinvest
A share of ownership in a company stock

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

Financial planning and money management Crossword

Type
Crossword
Description

managing day-to-day money to pay bills, buy food, save Budgeting
The most expensive way to borrow unless repaid in full at the end of the month. Credit Card
A pot of money that can be used to cover unexpected spending,loss of income or other unexpected financial problems is called Emergency Fund
making plans to meet short- and long-term needs. Financial planning
the process of managing money(budgeting,saving,investing) money management
a loan to help people buy houses or flats. They are offered by banks and can last for 30years mortgage
the amount a person earns after deductions have been taken by goverment for tax and national income net income
a target; something that the individual wants or needs to achieve objective
offered by banks, building societies and some specialist firms. It is paid back with interest over a short time. Personal loan
the most common form (in the UK) of collective fund, allowing many investors to pool their money together unit trust

Unit 6 Vocab Crossword Puzzle

Type
Crossword
Description

an estimate of income and expenditure for a set period of time budget
a small plastic card issued by a bank, business, etc., allowing the holder to purchase goods or services on credit credit card
a legal agreement where a bank or other creditor lends money at interest in exchange for taking title of the debtor's property mortgage
the goods or merchandise kept on the premises of a business or warehouse and available for sale or distribution stock
arrangement by which a company or government agency provides a guarantee of compensation for specified loss in return for payment of a premium insurance
a deed by which a person is committed to make payment to another bond
an account at a bank against which checks can be drawn by the account depositor checking account
a bank account that earns interest savings account
card issued by a bank allowing the holder to transfer money electronically to another bank account when making a purchase debit card
A state or federal law designed to protect consumers against improperly described goods and services & from unfair trade and credit practices consumer protection
Means of providing benefits to customers money (features)
a detailed report of an individual's credit history prepared by a credit bureau credit report
expense that will be the same total amount regardless of changes in the amount of sales, production, or some other activity fixed expense
costs that are easily changed, reduced or eliminated flexible expense
The total of an employee's regular remuneration (including allowances, overtime pay, commissions, and bonuses, and any other amounts) before any deductions are made Gross Pay
the amount one receives after taxes and deductions have been withheld during a pay period Net Pay
an investment program funded by shareholders that trades in diversified holdings and is professionally managed Mutual Fund
an investing tool used by individuals to earn and earmark funds for retirement savings Individual Retirement Account
a federal agency (established in 1914) that administers antitrust and consumer protection legislation in pursuit of free and fair competition in the marketplace Federal Trade Commission
use of a person's private identifying information, usually for financial gain (a crime) Identity Theft
taxes imposed on employers or employees, and are usually calculated as a percentage of the salaries that employers pay their staff Payroll Tax
money paid regularly at a particular rate for the use of money lent, or for delaying the repayment of a debt interest
a comprehensive evaluation of an individual's current pay and future financial state financial plan
goods or services that are not necessary but that we desire/ Wants
goods or services that are required needs
the loss of potential gain from other alternatives when one alternative is chosen opportunity cost

Investing and Stock Market terms. Crossword

Type
Crossword
Description

A type of investment where a person loans money to an entity for a defined period of time, and that will be paid back with interest bonds
are investment instruments offered by the government of Canada Canadian savings bond
a grouping of investments an individual has put money into, hoping for a positive return over time financial portfolio
investment vehicle with a guaranteed rate of return (abbreviation) GIC
the statistical measures of change in an economy indexing
putting money towards something and expecting a profit over a period of time investment
a product used by investors with the intention of earning a profit off of the returns investment vehicle
annual percentage return on an investment, adjusted for changes in price due to inflation and other effects on the economy real rate of return
income that a company receives from its normal business activities revenue
any person, company or other institution that owns at least one piece of a company shareholder
one of the equal parts into which a company's assets is divided, entitling the holder to a portion of the profits shares
where shares are sold, issued, and bought stock market
72/rate=years required to double investment the rule 72

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

Financial Literacy Crossword

Type
Crossword
Description

Money paid to the government for services tax
Tax paid to the government based on the money you earn income tax
Money added to the cost of items and services when an item is purchased sales tax
Tax paid on houses, cars, boats or land property tax
Total amount of income BEFORE taxes are taken out Gross Income
Amount left on your paycheck AFTER taxes are taken out Net Income
An organized plan on spending and saving money Budget
Card issued by a bank that allows the user to purchase goods and services immediately and pay later - charges an interest rate credit card
Card issued by bank that allows user immediate access to money they have in their account Debit Card
Expenses equal income balanced budget
Put money into an account deposit
Take money out of an account withdrawl

Personal Finance Terms Crossword

Type
Crossword
Description

person or organization that uses a product or service consumer
form of deferred payment credit
obligation of repayment owed by one party debt
system which goods are produced and distributed economy
to be an informed consumer; Financial... literacy
fee paid by a borrower to the lender interest
a debt evidenced by a “note” loan
decisions made by an individual regarding their money personal finance
anything owned by an individual assets
earnings from work or investments income
state of being obligated according to law liabilites
delayed gratification discipline
detailed proposal for doing or achieving something plan
currency and coin that are legal tender by government money
a written cash flow plan budget
an insistent request made as if by right demand
dividing money a person invests between several types of investments. diversification
quality of an asset that permits it to be converted quickly into cash without loss of value liquidity
payment or concession to stimulate greater output or investment incentive
obligates the borrower to make a predetermined series of payments mortgage
interest paid (daily, monthly and annually) on interest previously earned compound interest
$500 in readily available cash for emergencies only; the goal of the First Foundation emergency fund
percentage paid to a lender for the use of borrowed money; percentage earned on invested principle interest rate
the 5 steps to financial success five foundations
saving money over time for a large purchase sinking fund
a persistent rise in the price of goods and services inflation
recurrent fluctuation in the total business activity of a country business cycle
an accumulated stock of wealth, whether in money of property capital
to bargain or exchange in trade barter
an agreement between two or more parties that limits the action or inaction of each party contract
a specified sum of money covered for by the patient’s insurance copayment
person or firm to whom money is due creditor
investment in stocks, property, or other ventures in hopes of gaining speculation
not having enough paid work or not doing work that makes full use of their skills and abilities underemployed
a sum of money paid to a patentee for the use of a patent royalty
a thing that is wanted or required need
income, especially from a company or organization of a substantial nature revenue
give, put, or send (something) back to a place or person return
the degree of wealth and material comfort available standard of living
a U.S. government agency responsible for collecting taxes and enforcing tax laws IRS

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