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TAX

Taxes are generally an involuntary fee levied on individuals or corporations that is enforced by a government entity, whether local, regional or national in order to finance government activities. In economics, taxes fall on whomever pays the burden of the tax, whether this is the entity being taxed, like a business, or the end consumers of the business's  goods.

CURRENCY EXCHANGE 

A currency exchange is a business or financial institution that has the legal right to exchange one currency for another currency to its customers. A currency exchange may be a stand-alone business or may be part of the services offered by a bank or other financial institution. The currency exchange profits from its services either through adjusting the exchange rate or taking a commission.

INVESTING 

• Understand the difference between saving and investing and when to use each strategy
• Explain how compound interest works, its benefits to savers, and and how to calculate it using an online calculator
• Understand the concept of inflation and how it impacts an individual’s investment decisions
•  Understand the three main classes of investments and the risk and return associated with each

BUDGETING 

it’s making sure that you’re spending less than you’re earning and planning for both the short and long term.

BONUS

A bonus is any financial compensation, reward, or return over and above the normal expectations of the recipient. A bonus can be given to a company’s employees and executives, prospective employees, or shareholder.

DIVIDEND 

A dividend is a distribution of a portion of a company's earnings, decided by the board of directors, paid to a class of its shareholders. Dividends can be issued as cash payments, as shares of stock, or other property.

STOCK

A stock is a type of security that signifies ownership in a corporation and represents a claim on part of the corporation's assets and earnings.

MERGER AND ACQUISITION

Mergers and acquisitions (M&A) is a general term that refers to the consolidation of companies or assets. M&A can include a number of different transactions, such as mergers, acquisitions, consolidations, tender offers, purchase of assets and management acquisitions. In all cases, two companies are involved. The term M&A also refers to the department at financial institution that deals with mergers and acquisitions.

A loan is the act of giving money, property or other material goods to another party in exchange for future repayment of the principal amount along with interest or other finance charges. A loan may be for a specific, one-time amount or can be available as an open-ended line of credit up to a specified limit or ceiling amount.

A mortgage is a debt instrument, secured by the collateral of specified real estate  property, that the borrower is obliged to pay back with a predetermined set of payments. Mortgages are used by individuals and businesses to make large real estate purchases without paying the entire value of the purchase up front. Over a period of many years, the borrower repays the loan, plus interest, until he/she eventually owns the property free and clear. Mortgages are also known as "liens against property" or "claims on property." If the borrower stops paying the mortgage , the bank can foreclose.