Money Vocab
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This document defines key financial terms including credit, debit, interest, gross pay, net pay, fixed expenses, variable expenses, consumable goods, durable goods, FICA, salary, discretionary expenses, budget, credit score, financial institutions, and mortgage. Credit allows customers to obtain goods or services before payment. Debit refers to payments made or owed. Interest is money paid regularly for borrowing or delaying repayment of money lent. Gross pay is wages before taxes and net pay is wages after deductions like taxes. Fixed expenses do not change and variable expenses vary with production. Consumable goods are used up while durable goods last a long time. FICA taxes support Social Security. A salary is regular fixed compensation for work.
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Nature and Function of Credit
This document discusses the nature and functions of credit. It defines credit as "the power or ability to obtain goods or services in exchange for a promise to pay for them later" and distinguishes it from debt and credit volume. It then discusses the major users of credit, including consumers, businesses, and governments. The different types of credit are outlined for consumers, businesses, and governments. Finally, the basis of granting credit is discussed, including character, capacity, capital, collateral, interviews with applicants, financial statements, credit rating agencies, and the lender's own records.
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This document discusses credit and loan functions, including evaluating methods of financing a purchase, comparing costs and conditions of secured and unsecured loans, explaining the need for a good credit rating, identifying qualifications needed to obtain credit, and identifying basic provisions of credit and loan laws. Specifically, it examines factors that determine creditworthiness like character, capacity, capital, conditions, and collateral. It also outlines several laws that affect credit and loans, such as the Fair Credit Reporting Act, Fair Credit Billing Act, Equal Credit Opportunity Act, Fair Debt Collection Practices Act, and CARD Act.
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Nature and Function of Credit
This document discusses the nature and functions of credit. It defines credit as "the power or ability to obtain goods or services in exchange for a promise to pay for them later" and distinguishes it from debt and credit volume. It then discusses the major users of credit, including consumers, businesses, and governments. The different types of credit are outlined for consumers, businesses, and governments. Finally, the basis of granting credit is discussed, including character, capacity, capital, collateral, interviews with applicants, financial statements, credit rating agencies, and the lender's own records.
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This document discusses the history and definition of credit. It begins by explaining how barter systems led to the development of modern credit through increased international trade and transactions. It defines credit as an arrangement to receive cash, goods, or services now but pay later, creating a relationship of trust between lender and borrower, and debtor and creditor. Examples are given of different types of credit transactions involving goods, services, funds, property, and rights. The document also discusses how credit becomes a collection issue when the transaction sours, such as through defective or inadequate goods/services, or uncertainty around pricing.
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What Is Credit
Credit allows individuals to borrow money and pay it back over time, usually with interest. There are various types of credit like credit cards, loans, mortgages, and student loans offered through banks, credit unions, and other financial institutions. While credit provides advantages like convenience and flexibility to make purchases, it also carries costs like interest fees and penalties if not managed responsibly. When applying for credit, lenders will consider an individual's credit history, income, existing debts, and assets to determine if they qualify.
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Bonds
Bonds are debt securities where an issuer borrows money from an investor for a defined period of time. The issuer pays interest regularly and returns the principal at maturity. Key terms associated with bonds include the principal amount, coupon, price, yield, maturity, and credit quality. The credit rating of a bond provides a measure of the issuer's ability to repay the debt and allows investors to compare risk across different bonds. Bonds are issued in primary markets by sovereign governments, corporations, and other entities to fund expenditures, while existing bonds are traded in secondary markets between investors.
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Liquidity
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This document provides vocabulary related to money and shopping, including terms like cash, credit card, pocket money, change, cheque/check, spend, save/save up, price, cost, waste, pay, afford, earn, lend, owe, and their Spanish translations. It covers common financial terms used when dealing with money, making purchases, and managing personal finances.
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Equipment Financing With Bad Credit
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Bonds
Bonds are debt securities where an issuer borrows money from an investor for a defined period of time. The issuer pays interest regularly and returns the principal at maturity. Key terms associated with bonds include the principal amount, coupon, price, yield, maturity, and credit quality. The credit rating of a bond provides a measure of the issuer's ability to repay the debt and allows investors to compare risk across different bonds. Bonds are issued in primary markets by sovereign governments, corporations, and other entities to fund expenditures, while existing bonds are traded in secondary markets between investors.
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To view the accompanying webinar, go to: https://www.financialpoise.com/financialpoisewebinars/on_demand_webinars/asset-based-lending/
Asset-based lending, or an asset-based loan (ABL) is made by a lender who underwrites the loan primarily by valuing the company’s assets, such as accounts receivable (A/R) and inventory. An ABL lender can be distinguished from a “cash flow” lender in that while a cash flow lender secures its loan against the borrower’s assets, as does an ABL lender, the cash flow lender underwrites the loan based on the cashflow and general credit-worthiness of the borrower. An ABL lender, in contrast, looks primarily to the ability to liquidate its collateral should it need to, to be repaid. Since ABL lenders are willing to provide loans to companies with weaker financial performance, they are able to provide financing to companies who are not eligible for a cash flow loan. ABL lenders typically charge higher interest rates than cash flow lenders as a result of greater risk of non-performance. This webinar explains ABLs, explores its pros and cons, and discusses the basics of negotiating one.
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Money and shopping
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This document provides information about shopping prices and includes a conversation example. It introduces vocabulary words like sunglasses, expensive, and bag. It discusses using "how much" and "how many" with different types of nouns and includes an example conversation where Naoko shops and negotiates prices. The document ends with an activity where students role-play a shopping conversation and negotiate prices.
Market segmentation
Market segmentation involves dividing the total market into smaller groups that share characteristics. There are four main ways to segment a market: demographics, psychographics, geographics, and product benefits. Demographics refers to statistics like age, gender, income, and ethnicity. Psychographics examines psychological and social characteristics such as lifestyle and interests. Geographics considers where people live, such as their location or neighborhood type. Product benefits segmentation groups people based on the benefits they seek from a product, such as hair type for shampoo. Understanding these segmentation methods helps businesses better target their customers and increase profits.
Money vocabulary
This document defines key financial terms including credit, debit, gross pay, net pay, fixed expenses, variable expenses, consumable goods, durable goods, FICA, salary, discretionary expenses, budget, credit score, financial institution, and mortgage. Credit allows customers to obtain goods before payment, while debit records amounts owed. Gross pay includes allowances and bonuses, while net pay is gross pay minus deductions. Fixed expenses remain the same, variable expenses change based on production, consumables are used up, and durables are kept long-term. FICA is the Federal Insurance Contributions Act and salary is regular pay. A discretionary expense is not essential, a budget estimates income/spending, and a credit score rates
Shopping Vocabulary
This document lists different types of shops and briefly describes what each sells, including a pet shop that sells animals, a bookshop that sells books, a sports shop that sells sports equipment, a supermarket that sells food, a clothes shop that sells clothes, a butcher's that sells meat, a baker's/bakery that sells bread, and a sweet shop that sells sweets.
Listening Lesson Plan
This lesson plan is for a listening lesson on shopping. The instructor will introduce listening skill tips and have students do 3 activities to practice their listening comprehension. Activity 1 focuses on vocabulary, pre-listening, and answering comprehension questions about a conversation on shopping. Activity 2 involves another listening conversation and vocabulary practice. Activity 3 has students listen to and role play conversations about shopping for different items. The lesson will conclude with an assignment and evaluation of the students' listening skills.
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Money vocabulary
The document defines key money and financial terms including credit, debit, interest, gross pay, net pay, fixed expenses, variable expenses, consumable goods, durable goods, FICA, salary, discretionary expenses, budget, credit score, financial institution, and mortgage. It provides brief descriptions of each term and what they refer to in the context of personal finance and accounting.
Money vocab
The document defines key money and financial terms including credit, debit, interest, gross pay, net pay, fixed expenses, variable expenses, consumable goods, durable goods, FICA, salary, discretionary expenses, budget, credit score, financial institution, mortgage. It provides brief descriptions of each term.
Money vocabulary
This document defines key money and financial terms including credit, debit, interest, gross pay, net pay, fixed expenses, variable expenses, consumable goods, durable goods, FICA, salary, discretionary expenses, budget, credit score, financial institution, and mortgage. Credit allows customers to obtain goods or services before payment. Debit records amounts owed on the left side of an account. Interest is money paid regularly for borrowing or delaying repayment of money lent. Gross pay is all money earned before taxes while net pay is take-home pay after deductions. Fixed expenses do not vary with production while variable expenses do. Consumable goods are used up while durable goods can be kept long-term. FICA funds Social Security
Money vocabulary
The document defines key financial and money-related vocabulary terms including credit, debit, interest, gross pay, net pay, fixed expenses, variable expenses, consumable goods, durable goods, FICA, salary, discretionary expenses, budget, credit score, financial institute, and mortgage. It provides concise explanations of each term and the concepts they represent.
Money vocabulary
The document defines key money and financial terms including credit, debit, interest, gross pay, net pay, fixed expenses, variable expenses, consumable goods, durable goods, FICA, salary, discretionary expenses, budget, credit score, financial institution, and mortgage. Credit allows customers to obtain goods before payment while debit removes money from an account. Interest is money paid for borrowing or lending money. Gross pay includes all earnings while net pay is the take home amount after deductions. The document also distinguishes between fixed, variable, consumable, and durable goods as well as discretionary expenses. Key financial concepts such as budget, credit score, and mortgage are also defined.
Money vocabulary
This document defines key money and financial terms including:
- Credit, which is the ability to obtain goods or services before payment based on future payment.
- Debit, which is an amount owed listed on the left side of an account.
- Interest, which is money paid regularly for the use of money lent or delaying debt repayment.
- Gross pay and net pay, with gross being total pay before deductions and net being take-home pay.
- Fixed and variable expenses, with fixed not changing with production and variable changing with production levels.
- Consumable and durable goods, with consumables able to be consumed and durables kept long-term.
- A mortgage, which is
Money vocab
This document defines key money and finance terms including:
- Credit is the ability to obtain goods/services before payment based on trust of future payment.
- Debit removes money from an account, typically as payment.
- Interest is money paid regularly for the use of borrowed money or delaying debt repayment.
- Gross pay is all money earned before taxes while net pay is take-home pay after deductions.
- Fixed expenses do not vary with production while variable expenses do vary.
- Consumable goods are used up while durable goods can be kept for a period of time.
- FICA taxes fund Social Security and Medicare programs.
Money vocabulary
The document defines key money and financial terms including:
- Credit as the ability to obtain goods or services before payment based on future payment.
- Debit as an amount owed listed on the left side of an account.
- Interest as money paid regularly for the use of money lent or delaying debt repayment.
- Gross pay as all money earned before deductions, and net pay as take home pay after deductions.
Money vocabulary
This document defines key money and financial terms including:
- Credit is the ability to obtain goods or services before payment based on trust of future payment.
- Debit is an amount owed listed on the left side of an account.
- Gross pay is all money earned from a job before deductions for taxes and insurance. Net pay is what is taken home after deductions.
- Fixed expenses do not change with production levels while variable expenses fluctuate depending on production volume.
- Consumable and durable goods refer to whether items are used up quickly or can be kept for a period of time.
- Salary is a regular payment from an employer, often expressed as an annual sum.
Money vocabulary
This document defines key money and financial terms including credit, debit, interest, gross pay, net pay, fixed expenses, variable expenses, consumable goods, durable goods, FICA, salary, discretionary expenses, budget, credit score, financial institution, and mortgage. Credit is defined as receiving something of value now and agreeing to repay the lender later, sometimes with interest. Debit refers to accounting entries that increase assets or decrease liabilities. Interest is the charge for borrowing money, usually expressed as an annual percentage rate.
Money vocab
Credit is the ability to obtain goods or services before payment based on trust of future payment. Net pay is the amount employees take home after deductions from gross pay. Variable expenses fluctuate with production levels, unlike fixed expenses like rent.
financialguide.pdf
This document provides an introduction and overview of the "A to Z of financial terms" guide published by Plain English Campaign. It explains that the guide aims to help ordinary people understand common financial, tax, and legal terms and documents using clear language. It also notes that the guide encourages those who write such documents to use plain language that is understandable to the intended audience. The document praises Plain English Campaign for their work over the years to improve communication between organizations and the public.
Money vocabulary
Money Vocabulary defines key financial terms including:
Credit is the ability to obtain goods/services before payment based on trust of future payment. Net pay is the amount employees take home after deductions for taxes and insurance from gross pay. A budget is an estimate of income and expenses for a set period of time.
Money vocabulary
This document defines key financial and economic terms including:
- Credit as the ability to obtain goods or services before payment based on future payment.
- Debit as an amount owed listed on the left side of an account.
- Gross pay as total salary before deductions for taxes.
- Net pay as the amount employees take home after deductions.
- Fixed and variable expenses as costs that remain the same or fluctuate with production.
- Consumable and durable goods as goods for immediate or long-term consumption.
- FICA as a tax that funds Social Security and Medicare.
- Salary as regular monthly or biweekly payment often expressed annually.
What is Liability in Accounting.pdf
What is a liability in accounting? If you’re a newbie in the business or accounting profession, you will have to learn about basic accounting principles and calculations like liabilities and assets. Assets and liabilities are the core of accounting and all business financial matters rely on them.
Financial management - UNIT 2
The document discusses various sources of funds for businesses, including internal and external sources. Internal sources include retained earnings, depreciation, and sale of assets. External long-term sources include share capital and loan capital (such as debentures, mortgage loans, and government assistance). External short-term sources include bank overdrafts, loans, leasing, credit cards, and trade credit. Specialized financial institutions that provide funding to businesses in India are also outlined, such as IFCI, SFCs, ICICI, IDBI, and SIDCs.
Money vocabulary 2016
Credit allows one party to provide money or resources to another party who does not repay immediately. Debit records amounts owed on the left side of an account, opposite of credit. Interest is money paid regularly for the use of borrowed money or delaying debt repayment. Gross pay includes all earnings before deductions while net pay is income minus expenses and taxes for an accounting period. Fixed expenses remain largely the same while variable expenses change with production levels.
Money vocabulary
This document defines key money and financial terms including credit, debit, interest, gross pay, net pay, fixed expenses, variable expenses, consumable goods, durable goods, FICA, salary, discretionary expenses, budget, credit score, financial institution, and mortgage. Credit allows customers to obtain goods before payment, while debit records amounts owed. Interest is the desire to learn, and gross pay is total salary before deductions. Net pay is take-home wages after taxes. Fixed expenses do not change, unlike variable expenses. Consumable goods are replaced, unlike durable goods. FICA requires tax withholding. A salary is regular payment. Discretionary expenses are non-essential. A budget estimates income/costs. Credit
MoneyTap Credit Glossary
The document provides definitions for various financial and credit terms used in personal and corporate finance. It includes over 50 terms commonly used when taking out loans, managing credit, and understanding financial statements and credit reports. Some of the key terms defined are interest, principal, credit score, collateral, default, bankruptcy, assets, liabilities, income statement, balance sheet, loan documents, repayment schedules, credit limits, insurance, and interest rates.
Money vocab
The document defines key financial terms including credit, debit, interest, gross pay, net pay, fixed expenses, variable expenses, consumable goods, durable goods, FICA, salary, discretionary expenses, budget, credit score, financial institution, and mortgage. It provides brief explanations of each term and what they refer to in the context of personal finance and accounting.
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Financial Assets: Debit vs Equity Securities.pptx
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
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Money Vocab
- 1. MoneyVocabulary James Braswell Intro to Bus and Tech 1st period
- 2. Credit The ability of a customer to obtain goods or services before payment, based on the trust that payment will be made in the future.
- 3. DEbit Payment made or owed, amount owed.
- 4. Interest Money paid regularly at a particular rate for the use of money lent, or for delaying the repayment of a debt.
- 5. Grosspay The amount of wages earned by an employee before the appropriate taxes are taken out.
- 6. NetPay The remaining amount of an employee's gross pay after deductions, such as taxes and retirement contributions, are made.
- 7. FixedExpenses An expense that does not change from time period to time period.
- 8. variableExpenses A corporate expense that varies with production output. Fixed costs and variable costs make up total cost.
- 9. ConsumableGoods Goods that are able to be consumed, used up, or depleted.
- 10. DurableGoods Consumer products that do not need to be purchased frequently because they are made to last for a long time. Since they're made to last, durable goods are often times more expensive than non-durable goods that have to be purchased repeatedly over a short period of time.
- 11. FICA Federal Insurance Contributions Act creates taxes that are levied for the support of Social Security.
- 12. Salary A fixed compensation periodically paid to a person for regular work or services, or payment for doing a job or service.
- 13. DiscretionaryExpenses A cost which is not essential for the operation of a home or a business. Wants rather than needs.
- 14. Budget A plan used to decide the amount of money that can be spent and how it will be spent. Helps prevent overspending.
- 15. CreditScore A number used to define a person's creditworthiness that is used by lenders to assess the likelihood that a person will repay his or her debts. A credit score is based on, among other things, a person's past credit history. It is a number between 300 and 850 - the higher the number, the more creditworthy the person is deemed to be.
- 16. FinancialInstitution An establishment that focuses on dealing with financial transactions, such as investments, loans and deposits. Examples: banks, trust companies, insurance companies and investment dealers
- 17. Mortgage A legal agreement in which a person borrows money to buy property (such as a house) and pays back the money over a period of years.