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EVERFI is the leading education technology company that provides learners of all ages education for the real world, through innovative and scalable digital learning. This is when someone checks your credit to make a lending decision (like when applying for a mortgage), tracks overall performance of the market or certain investment types or group of stocks, how long it will take your money to double at a given interest rate, mandates that the info in credit report is accurate, complete, private; can view credit report and dispute incorrect info, higher interest rates (usually), might require high minimum balance, state, country, city gov (loan $ to town), way of reducing risk, mix of different stocks and bonds chosen by fund manager, helps diversify portfolio, savings and checking accounts, debit & credit cards, get you by until next payday, high fees and interest, payday loans, lenders, check cash services, NOT banks, HAVE high interest and fees, receive loans in form of cash, YTD (year to date), taxes withheld, medicare tax (65+), social security tax (retirement), state income tax, deductions, 401(K) (optional retirement savings plan sponsored by employer), common in towns, offer savings and checking accounts, mortgages, personal loans, debit & credit cards, mostly deals with individuals and businesses, pay taxes now, 5 yrs can withdraw without fee, first range of numbers at bottom, which bank money coming from, need to know for direct debits & deposits, most basic savings vehicle, less access to money than checking, websites and apps, paying extra for the convenience of borrowing money compounding once per year, NYSE, NASDAQ (National Association of Securities, Dealers Automated Quotations; online), S&P 500 (measures overall performance, 500 companies), Dow Jones Industrial Average (looks at performance of 30 of best companies in US), what you receive after you send in your FAFSA, must pay interest that accrues during school, every year shows how much $ made, and how much paid in taxes to fill out tax form, start new job, how much money you want to with hold from federal taxes, keeps from overpaying taxes. 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