1. Career & Employment
A long-term work path that builds on interests, skills, and experience.
Career
Reusing materials to conserve resources and reduce waste.
Recycling
The ability to borrow money now and pay it back later, usually with interest.
Credit
A plan for managing income and expenses.
Budget
A financial arrangement that protects individuals against financial loss.
Insurance
Building relationships with people who can provide job leads, advice, and professional support.
Networking
A refusal to buy products from a company to protest its policies or actions.
Boycott
A legal process where part of a worker's paycheck is withheld to repay a debt.
Garnishment of Wages
The amount of money an employee takes home after all deductions.
Net Pay
The amount the insured must pay out of pocket before insurance coverage begins.
Deductible
Abilities that enable a person to perform tasks effectively (e.g., technical, communication, problem-solving).
Skills
The legal protections that ensure fairness and safety for buyers (such as the right to safety, information, choice, and to be heard).
Consumer Rights
The period of time after a payment is due in which you can still pay without penalty or added interest.
Grace Period
Money withheld from a paycheck (e.g., taxes, insurance, retirement).
Deductions
A request made to an insurance company for payment based on a covered loss.
Claim
Short-term work experience that provides training and exposure to a career field.
Internship
Intentional deception for personal or financial gain.
Fraud
A type of credit account that allows customers to buy goods and pay later.
Charge Account
Taxes that an employer deducts from an employee's paycheck.
Withholding
Insurance that covers a renter's personal property against loss, theft, or damage.
Renter's Insurance
A recommendation from someone who suggests you for a job opportunity.
Referral
A person who starts and operates a business, taking on financial risks.
Entrepreneur
The original amount of money borrowed or invested, not including interest.
Principal
A service that prevents transactions from being declined when an account has insufficient funds.
Overdraft Protection
Movable belongings, such as furniture, electronics, clothing, and jewelry.
Personal Property