2. 1 200 400 600 800 1000 Double CreditInvestmentCareer Investment Credit 200 400 600 800 1000 200

3. 2 1a A historical record of a person’s payment activity

4. 3 1b What is a credit report?

5. 4 2a A legal process giving a person deeply in debt a plan to erase the debt.

6. 5 2b What is bankruptcy?

7. 6 3a Total percentage it costs you yearly to use your credit

8. 7 3b What is the Annual Percentage Rate (APR)?

9. 8 4a Other creditors can increase your interest rate if you make one late payment – even if that late payment is made to a different creditor

10. 9 4b What is the Universal Default Clause?

11. 10 5a 4 C’s of Credit

12. 11 5b What are: Collateral Capital Capacity Character

13. 12 6a Payment you make for use of another’s money

14. 13 6b What is interest?

15. 14 7a Term for the money you borrow

16. 15 7b What is the principal?

17. 16 8a Payments are a set amount each month for a set period of time.

18. 17 8b What is an Installment Loan?

19. 18 9a Three things you should do to build a good credit history

20. 19 9b What are: Always pay your bills on time Make regular deposits to a savings account Keep the number of credit cards and loans to a minimum Maintain a low balance on credit cards and pay off each month Maintain a good employment history Maintain long term living arrangements

21. 20 10a The three credit reporting agencies

22. 21 10b What are: Equifax TransUnion Experian

23. 22 11a A lifetime profession or occupation that requires skills or training and provides an income as well

24. 23 11b What is a career ?

25. 24 12a Relatively short term work that pays the bills for now

26. 25 12b What is a job?

27. 26 13a Additional programs like health insurance and retirement plans offered by employers

28. 27 13b What are Employee Benefits?

29. 28 14a The amount of money it takes to purchase typical living expenses in a particular city.

30. 29 14b What is Cost of Living?

31. 30 15a 6 Employee Benefits

32. 31 What are: Health Insurance Dental Insurance Life Insurance Short term Disability Insurance Retirement Plan Paid Holidays Vacation Pay Sick Days Paid Tuition Reimbursement

33. 32 16a A person who creates a business from a need and puts creativity and ingenuity into action to provide a service or product?

34. 33 16b What is an Entrepreneur?

35. 34 17a People born between 1944 and 1964 and are starting to retire

36. 35 17b Who are the Baby Boomers?

37. 36 18a 4 Education Funding Options

38. 37 18b What are: College Savings Scholarships and Grants Federal Education Loans Private Education Loans Work-Study Programs Tuition Assistance from employer Military Programs

39. 38 19a List 5 Important Employee Skills

40. 39 19b What are: Analytical Communication Computer Detail-Oriented Flexibility and Adaptability Honesty and Integrity Interpersonal Leadership Motivation and Initiative Organizational Self-Confidence Strong Work Ethic Teamwork

41. 40 20a 3 Benefits of a 401K

42. 41 20b What are: Money is deducted from paycheck pre- tax Money can be matched by employer Money is contributed to a mutual fund with professional managers Money is kept for retirement and earnings are not taxed until used Money should be in a long term account and can take advantage of the Time Value of Money benefit

43. 42 21a A type of security that signifies ownership in a corporation and represents a claim on part of the corporations’ assets and earnings.

44. 43 21b What is a stock?

45. 44 22a Distribution of a portion of a company’s earnings, decided by the Board of Directors, to a class of its shareholders.

46. 45 22b What is a dividend?

47. 46 23a A measure of a public company’s size. It is the total dollar value of all outstanding shares. It is calculated by multiplying the number of shares by the current market price.

48. 47 23b What is the market cap?

49. 48 24a A valuation ratio of a company’s current share price compared to its per-share earnings.

50. 49 24b What is the P/E ratio?

51. 50 25a The portion of a company’s profit allocated to each outstanding share of common stock. It is calculated as: Net Income – Dividends on Preferred Stock Average Outstanding Shares

52. 51 What is the EPS?

53. 52 26a An area of the economy where businesses share the same or related product or service

54. 53 26b What is a sector?

55. 54 27a A formal agreement where the borrower, (govt), can use your money for a set period of time and you, as the lender, will get paid a specific amount of interest in return

56. 55 27b What is a Government Bond?

57. 56 28a This investment option takes money from many investors and uses it to make growth or income investments based on a stated investment objective.

58. 57 28b What is a Mutual Fund?

59. 58 29a An index fund that is worth 1% of the Dow Jones average

60. 59 29b What is a Diamond?

61. 60 30a This index tracks 2000 small cap stocks

62. 61 30b What is the Russell 2000 Index?