Course+Vocabulary+Terms

=__**Booklet #1**__=
 * Spending log
 * Delayed gratification
 * Needs
 * Wants
 * Instant gratification
 * Opportunity cost
 * Spending plan
 * Budget
 * Income
 * Expenses
 * Fixed expenses
 * Variable expenses
 * Periodic expenses
 * Emergency fund
 * Cash flow

__**Booklet #2**__

 * **Micro loan**
 * **Credit**
 * **Principal**
 * **Interest**
 * **Simple interest formula**
 * **Annual percentage rate (APR)**
 * **Introductory APR**
 * **Fixed interest rate**
 * **Variable interest rates**
 * **Maturity date**
 * **Loan term**
 * **Annual Fee**
 * **Cash-Advance Fee**
 * **Over-the-Limit Fee**
 * **Credit limit**
 * **Grace Period**
 * **Other Fees**
 * **Origination Fee**
 * **Prepayment Penalty**
 * **Down Payment**
 * **Discount Points**
 * **Overspending**
 * **Debt**
 * **Overwhelming Debt**
 * **Legal Action**
 * **Revolving credit**
 * **Installment credit**
 * **Joint account holder**
 * **Cash loans**
 * **Service credit**
 * **Authorized user**
 * **Capital**
 * **Capacity**
 * **Character**
 * **Credit reports**
 * **Collateral**
 * ** Conditions **
 * **Cosign**
 * **Cosigner**
 * **Sub prime borrower**
 * **Contract**
 * **Offer**
 * **Acceptance**
 * **Deter**
 * **Detect**
 * **Defend**
 * **Credit score**
 * ** Offer **
 * ** Identity Theft **
 * ** Identity Fraud **

Booklet #3

 * **Catch-Up Classes**
 * **Merry-Go-Round Major**
 * **Campus-Hopping**
 * **Federal Student Loan**
 * **Loan deferment**
 * **Defaulting**
 * **Private Students Loans.**
 * **Education ladder**
 * **Education Degrees (Associates, Bachelors, Masters, Doctorate)**
 * **Gross pay**
 * **Net pay**
 * **Overtime pay**
 * **Commission**
 * **Salary**
 * **hourly**
 * **Tips**
 * **Bonuses**
 * **Performance reviews**
 * **Opportunities for promotion**
 * **Opportunity costs**
 * **Mentor**
 * **Resume**

Booklet #4

 * **Saving**
 * **Investing**
 * **Windfalls**
 * **Interest**
 * **Annual percentage yield (APY)**
 * **Inflation-**
 * **Time Value Of Money (TVM)**
 * **Asset**
 * **Liability**
 * **Rate of return**
 * **Broker**
 * **Stock**
 * **Shareholder**
 * **Dividend**
 * **Real Estate**
 * **Collectibles**
 * **Risk tolerance**
 * **Diversification**
 * **401(k) Plans**

Booklet #5

 * **check**
 * **payee**
 * **proof of payment**
 * **stop payment order**
 * **automatic deposit**
 * **electronic check**
 * **EFT**
 * **bank routing number**
 * **account number**
 * **ATM**
 * **non-sufficient funds**
 * **overdraft fee**
 * **certified check**
 * **cashiers check**
 * **bounced check**
 * **overdraft protection**
 * **deposit slip**
 * **endorse**
 * **bank endorsement**
 * **restrictive endorsement**
 * **bank hold**
 * **reconcile**
 * **GPR**
 * **money order**
 * **payment portal**
 * **FDIC**
 * **pawnshop**
 * **direct deposit**
 * **automatic transfers**
 * **online bill pay**
 * **mobile banking**
 * **virtual wallets**
 * **tap and pay**
 * **person to person (P2P) payment service**


 * Booklet 6**
 * **risk**
 * **insurance**
 * **premium**
 * **deductible**
 * **insurance policy**
 * **policy holder**
 * **coverage limit**
 * **conditions**
 * **rider**
 * **appraisal**
 * **claim**
 * **estimate**
 * **claims adjuster**
 * **insurance settlement**
 * **actual cash value**
 * **replacement cost**
 * **auto insurance**
 * **property insurance**
 * **homeowners insurance**
 * **renters insurance**
 * **liability insurance**
 * **fidelity bonds**
 * **unemployment insurance**
 * **disability insurance**
 * **health insurance**
 * **workers compensation**
 * **life insurance**
 * **declaration page**