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Credit InvestmentCareer Career Investment Credit

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1a

A historical record of a person’s payment

activity

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1b

What is a credit report?

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2a

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

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2b

What is bankruptcy?

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3a

Total percentage it costs you yearly to use your credit

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3b

What is the Annual Percentage Rate (APR)?

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4aOther creditors can increase your interest rate if you make one late payment – even if that late payment is made to a different

creditor

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4b

What is the

Universal Default Clause?

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5a

4 C’s of Credit

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5bWhat are:

Collateral

Capital

Capacity

Character

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6a

Payment you make for use of another’s money

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6b

What is interest?

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7a

Term for the money you borrow

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7b

What is the principal?

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8a

Payments are a set amount each month for a set

period of time.

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8b

What is an

Installment Loan?

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9a

Three things you should do to build a good credit

history

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9bWhat 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

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10a

The three credit reporting agencies

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10bWhat are:

Equifax

TransUnion

Experian

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11aA lifetime profession or occupation that requires

skills or training and provides an income as well

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11b

What is a career ?

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12a

Relatively short term work that pays the bills for now

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12b

What is a job?

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13a

Additional programs like health insurance and

retirement plans offered by employers

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13b

What are

Employee Benefits?

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14a

The amount of money it takes to purchase typical

living expenses in a particular city.

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14b

What is

Cost of Living?

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15a

6 Employee Benefits

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

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16aA person who creates a business from a need and puts creativity

and ingenuity into action to provide a service or product?

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16b

What is an Entrepreneur?

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17a

People born between 1944 and 1964 and are starting

to retire

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17b

Who are the Baby Boomers?

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18a

4 Education Funding Options

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18bWhat are:• College Savings• Scholarships and Grants• Federal Education Loans• Private Education Loans• Work-Study Programs• Tuition Assistance from employer• Military Programs

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19a

List 5 Important Employee Skills

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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

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20a

3 Benefits of a 401K

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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

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21aA type of security that signifies ownership in a corporation

and represents a claim on part of the corporations’ assets and

earnings.

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21b

What is a stock?

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22aDistribution of a portion of

a company’s earnings, decided by the Board of

Directors, to a class of its shareholders.

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22b

What is a dividend?

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23aA 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.

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23b

What is the market cap?

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24a

A valuation ratio of a company’s current share

price compared to its

per-share earnings.

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24b

What is the P/E ratio?

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25aThe 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

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What is the EPS?

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26a

An area of the economy where businesses share the same or related

product or service

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26b

What is a sector?

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27aA 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

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27b

What is a

Government Bond?

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28aThis investment option takes money from many investors and uses it to make

growth or income investments based on a stated investment objective.

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28b

What is a

Mutual Fund?

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29a

An index fund that is worth 1% of the Dow Jones average

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29b

What is a Diamond?

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30a

This index tracks 2000 small cap stocks

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30b

What is the Russell 2000 Index?