Annual Percentage Rate - The percentage of cost of credit on an annual basis and the total cost of credit to the consumer. APR combines the interest paid over the life of the loan and all fees that are paid up front., Bankruptcy - A legal process for declaring that a person is unable to pay his/her debts. This process may involve selling the person's belongings to pay parts of the debts., Bank Statement - A statement given to account holders (people) by a bank to keep them informed of all transactions. These statements are sent on a regular basis (monthly)., Unemployment Rate - The percentage of the labor force (people) that is able to work, does not have a job, but is actively looking for a job., Internal Revenue Service (IRS) - The federal agency that collects income taxes in the US., Debt - Money owed in exchange for loans or for goods or services purchased with credit., Deductible - An amount you must pay for expenses before the insurance company pays. The deductible amount is specified by the insurance policy. , Down payment - A sum of money put toward the purchase price to reduce the amount of money borrowed., Employment rate - The percentage of the labor force that is employed., FICO Credit score - The most widely used credit score. It has a range from 500-850. The higher the score, the more likely a borrow is to repay the loan., Federal Income Tax - The federal government levies a tax on personal income. The federal income tax provides for national programs such as defense, foreign affairs, law enforcement, and interest on the national debt. , Financial Institution - A business that provides services to make deposits to or withdrawals from an account, take out a loan, invest, or exchange currency. , Gross Income - The total amount earned before any adjustments are subtracted. , Health Insurance - Insurance that pays for medical and surgical expenses incurred by the insured. , IRA individual retirement account - A retirement account that allows individuals to direct pretax or after-tax income, up to specific annual limits, toward investments that can grow. , Liability Insurance - Insurance that covers injuries or damages the insured person causes to other. , Uninsured motorist insurance - Insurance coverage that pays for your damages when you are involved in a car accident with someone who does not have liability insurance. ,

Caeley's Vocabulary

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