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Definitions cover core concepts such as risk and risk reduction, budgeting, cash flow, credit cards, credit reports and credit scores, debit cards, fixed vs flexible expenses, impulse buying, retirement savings via IRA, and everyday money management actions like reconcile, overdraft and overdraft protection. Terms also address needs vs wants and common consumer protection issues including skimming and transfer 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do “risk” and “assume risk” mean in this vocabulary list?","Question",{"text":112,"@type":113},"“Risk” is the probability of financial loss. “Assume risk” means paying the full price if a financial loss occurs.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"How does the list distinguish fixed expenses from flexible expenses?",{"text":117,"@type":113},"Fixed expenses are the same each month, while flexible expenses change each month and can be reduced or eliminated if necessary.",{"name":119,"@type":110,"acceptedAnswer":120},"What is the meaning of “reconcile” in money management?",{"text":121,"@type":113},"“Reconcile” means comparing and adjusting the checkbook record to balance with the bank statement.","https://schema.org",{"og:url":83,"og:type":124,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":126,"canonical":83},"index,follow",{"doc_id":128,"site_id":62},421834,1791159514,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":92,"user_avatar":133,"doc_module":4,"category_id":19,"category_name":20,"doc_title":65,"doc_description":67,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":24,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":14,"language":139,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":140,"faqs":141,"seo_title":142,"seo_description":67,"update_tm":143,"read_time":24,"preview_page_count":4},3985747862151,"https://ap-avatar.wpscdn.com/davatar_a8503ba1806abce46bf441b54a3ca4cd","| |  |\n| --- | --- |\n| ConsumerMan Podcast for LifeSmarts 1: Let’s Talk About Money VOCABULARY LIST PROMPTS |  |\n| assume risk | Paying the full price if a financial loss occurs |\n| avoid risk | Not engaging in behavior that could cause a financial loss |\n| budget | An organized spending and savings plan whereby you match your expected income to your expected outflow |\n| cash flow | The total amount of money being transferred into or out ofa business, account or an individual’s budget |\n| credit card | A card that authorizes the delivery of cash, goods or services for future payment with interest, according to a specific repayment schedule |\n| credit report | Confidential report on a consumer’s payment habits as reported by their creditors to a consumer credit reporting agency |\n| credit score | A statistical system used to rate credit applicants according to various characteristics relevant to creditworthiness |\n| debit card | A card, issued by a financial institution, that allows consumers to make purchases, withdrawals, or other types of electronic fund transfers directly from checking or savings accounts |\n| fixed expenses | Expenses that are the same each month |\n| flexible expenses | Expenditures that change each month and can be reduced or eliminated if necessary |\n| impulse buy | An unplanned decision to purchase retail merchandise on a whim or at the spur of the moment |\n| IRA-individual retirement account | A retirement plan that allows workers to set aside money each year in tax-deferred savings |\n\n\n| needs | Items necessary to live, such as clothing, food and shelter |\n| --- | --- |\n| overdraft | A expenditure (check or debit card) made without sufficient money in an account to cover it |\n| overdraft protection | A line of credit that allows you to spend more funds than your actual balance |\n| PYF-pay yourself first | Putting money into savings each month (or each paycheck) before paying other bills |\n| reconcile | Comparing and adjusting the checkbook record to balance with the bank statement |\n| reduce risk | Taking steps to eliminate the likely possibility of financial loss |\n| risk | The probability of financial loss |\n| skimming | Criminals use a device that copies information from a credit or debit card’s magnetic strip in order to use the card illegally |\n| transfer risk | Paying a fee for another party to assume your financial loss |\n| wants | Items that are desired, but that are not needed to live |","cbCailwQDqhC71lT","https://ap.wps.com/l/cbCailwQDqhC71lT","pdf",170088,"English","# Vocabulary List Prompts\n## Banking, credit, and cards\n## Budgeting and expenses\n## Risk concepts and consumer terms\n## Needs vs wants","[{\"question\":\"What do “risk” and “assume risk” mean in this vocabulary list?\",\"answer\":\"“Risk” is the probability of financial loss. “Assume risk” means paying the full price if a financial loss occurs.\"},{\"question\":\"How does the list distinguish fixed expenses from flexible expenses?\",\"answer\":\"Fixed expenses are the same each month, while flexible expenses change each month and can be reduced or eliminated if necessary.\"},{\"question\":\"What is the meaning of “reconcile” in money management?\",\"answer\":\"“Reconcile” means comparing and adjusting the checkbook record to balance with the bank statement.\"}]","ConsumerMan Podcast for LifeSmarts 1 - Let’s Talk About Money Vocabulary List Prompts | PDF",1790625661]