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a t e s o f d e p o s i t s ~ ~ ~ ~ ~ ~ ~ ~ n ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ t i m e d e p o s i t s ~ ~ ~ p ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ r ~ u ~ i ~ ~ ~ ~ ~ ~ ~ ~ ~ c a p i t a l l o s s ~ e ~ t ~ v ~ ~ o ~ ~ ~ ~ ~ ~ ~ s ~ ~ ~ ~ ~ ~ ~ ~ t ~ a ~ u ~ i ~ ~ v ~ ~ ~ ~ ~ ~ ~ s ~ r ~ ~ ~ ~ m ~ o ~ s ~ a ~ d ~ ~ e ~ ~ ~ ~ ~ ~ ~ b r o k e r ~ o ~ c ~ u ~ l ~ u ~ ~ r ~ ~ d ~ ~ ~ ~ o ~ t ~ ~ ~ ~ n ~ k ~ r ~ f ~ a ~ ~ t ~ ~ i ~ ~ ~ ~ o ~ h ~ ~ ~ ~ e ~ h ~ y ~ u ~ l ~ ~ h ~ ~ v ~ ~ p ~ k ~ i ~ ~ ~ ~ y ~ o ~ n ~ n ~ r ~ ~ e ~ ~ e ~ ~ e ~ s ~ r ~ ~ ~ ~ m ~ l ~ o ~ d ~ e ~ ~ c ~ ~ r ~ ~ n ~ a ~ a ~ ~ ~ ~ a ~ d ~ t ~ ~ ~ t ~ ~ o ~ ~ s ~ ~ s ~ v ~ ~ ~ ~ ~ ~ r ~ e ~ e ~ ~ ~ i ~ ~ u ~ ~ i ~ ~ i ~ i ~ ~ ~ ~ ~ ~ k ~ r ~ s ~ ~ ~ r ~ ~ n ~ ~ f ~ ~ o ~ n ~ ~ ~ ~ ~ ~ e ~ s ~ ~ ~ ~ ~ e ~ ~ t ~ ~ i ~ ~ n ~ g ~ ~ k ~ ~ ~ t ~ ~ ~ ~ ~ ~ ~ m ~ ~ e ~ ~ c ~ ~ p ~ s ~ ~ e ~ ~ ~ d ~ ~ m ~ ~ ~ ~ e ~ ~ r ~ ~ a ~ ~ l ~ a ~ ~ o ~ i ~ e ~ ~ o s a v i n g ~ m ~ ~ t ~ ~ a ~ c ~ ~ g ~ n ~ p ~ ~ n ~ ~ ~ ~ t ~ ~ a ~ ~ i ~ ~ n ~ c ~ ~ h ~ t ~ o ~ ~ e ~ t r e a s u r y b o n d s ~ o ~ ~ p ~ e ~ s ~ ~ y ~ r ~ ~ c ~ ~ k ~ ~ n ~ ~ ~ ~ u ~ ~ l ~ r ~ i ~ ~ m ~ e ~ ~ c ~ ~ e ~ ~ ~ ~ ~ ~ ~ n ~ ~ a ~ e ~ t ~ ~ a ~ a ~ ~ o ~ ~ t a x e x e m p t b o n d s ~ a ~ ~ r ~ s ~ ~ u ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ t ~ c ~ ~ k ~ u ~ ~ n ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ c ~ ~ e ~ r ~ s t a t e m e n t s a v i n g s a c c o u n t ~ y ~ ~ ( ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ u ~ ~ f ~ b ~ ~ i ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ n ~ ~ u ~ i ~ ~ r ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ m a t u r i t y ~ n ~ l ~ c a p i t a l g a i n ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ d ~ l ~ ~ ) ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ s ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ ~ END GRID THEME WORDS: 0 -- | 0 -- SAVING |The setting aside of income for a period of time so that it can be used for later 0 -- INTEREST |Payment people receive when they lend money or allow someone else to use their money 0 -- PASSBOOKSAVINGSACCOUNT |Account for which a depositor receives a booklet in which deposits, withdrawals, and interest are recorded. 0 -- STATEMENTSAVINGSACCOUNT |Account similar to a passbook savings account except that the depositor receives a monthly statement showing all transactions 0 -- MONEYMARKETDEPOSITACCOUNT |Account that pays relatively high rates of interest, requires a minimum balance, and allows immediate access to money 0 -- TIMEDEPOSITS |Savings plans that require savers to leave their money on deposit for certain periods of time 0 -- MATURITY |Period of time at the end of which time deposits will pay a stated rate of interest 0 -- CERTIFICATESOFDEPOSITS |Time deposits that state the amount of the deposit, maturity, and rate of interests being paid. 0 -- STOCKHOLDERS |People who have invested in a corporation and own some of its stock 0 -- CAPITALGAIN |Increase in value of an asset from the time it was bought to the time it was sold 0 -- CAPITALLOSS |Decrease in value of an asset or bond from the time it was bought to the time it was sold 0 -- TAXEXEMPTBONDS |Bonds sold by local and state governments; interest paid on the bond is not taxed by the federal government 0 -- TREASURYBILLS |Certificates issued by the U.S. Treasury in exchange for a minimum amount of $1000 and maturing in 3 months to 1 year 0 -- TREASURYNOTES |Certificates issued by the U.S. Treasury in exchange for a minimum amount of $1000 and maturing in 1 to 10 years 0 -- TREASURYBONDS |Certificates issued by the U.S. Treasury in exchange for minimum amounts of $1,000 and maturing in 10 or more years 0 -- BROKER |Person who acts as a go-between for buyers and sellers of stocks and bonds 0 -- OVERTHECOUNTERMARKET |Electronic purchase and sale of stocks and bonds, often of smaller companies, which takes place outside the organized stock exchanges 0 -- MUTUALFUND |Investment company that pools the money of many individual to buy stocks, bonds, or other investments 0 -- MONEYMARKETFUND |Type of mutual fund that uses investors’ money to make short-term loans to businesses and banks 0 -- PENSIONPLANS |Company plans that provide retirement income for their workers 0 -- KEOGHPLAN |Retirement plan that allows self-employed individuals to save a maximum of 15 percent of their income up to a specified amount each year, and to deduct that amount for their yearly taxable income 0 -- INDIVIDUALRETIREMENTACCOUNT(IRA) |Private retirement plan that allows individuals or married couples to save a certain amount of untaxed earnings per year with the interest being tax-deferred 0 -- ROTHIRA |Private retirement plan that taxes income before it is saved, but which does not tax interest on that income when funds are used upon retirement 0 -- DIVERSIFICATION |Spreading of investments among several different types of accounts to lower overall risk 0 -- | 0 -- | END THEME WORDS CURRENT CLUES ACROSS: 1 CERTIFICATESOFDEPOSITS |Time deposits that state the amount of the deposit, maturity, and rate of interests being paid. 3 TIMEDEPOSITS |Savings plans that require savers to leave their money on deposit for certain periods of time 6 CAPITALLOSS |Decrease in value of an asset or bond from the time it was bought to the time it was sold 11 BROKER |Person who acts as a go-between for buyers and sellers of stocks and bonds 17 SAVING |The setting aside of income for a period of time so that it can be used for later 18 TREASURYBONDS |Certificates issued by the U.S. Treasury in exchange for minimum amounts of $1,000 and maturing in 10 or more years 19 TAXEXEMPTBONDS |Bonds sold by local and state governments; interest paid on the bond is not taxed by the federal government 20 STATEMENTSAVINGSACCOUNT |Account similar to a passbook savings account except that the depositor receives a monthly statement showing all transactions 21 MATURITY |Period of time at the end of which time deposits will pay a stated rate of interest 22 CAPITALGAIN |Increase in value of an asset from the time it was bought to the time it was sold CURRENT CLUES DOWN: 2 INDIVIDUALRETIREMENTACCOUNT(IRA) |Private retirement plan that allows individuals or married couples to save a certain amount of untaxed earnings per year with the interest being tax-deferred 3 TREASURYNOTES |Certificates issued by the U.S. Treasury in exchange for a minimum amount of $1000 and maturing in 1 to 10 years 4 MUTUALFUND |Investment company that pools the money of many individual to buy stocks, bonds, or other investments 5 PASSBOOKSAVINGSACCOUNT |Account for which a depositor receives a booklet in which deposits, withdrawals, and interest are recorded. 7 STOCKHOLDERS |People who have invested in a corporation and own some of its stock 8 OVERTHECOUNTERMARKET |Electronic purchase and sale of stocks and bonds, often of smaller companies, which takes place outside the organized stock exchanges 9 ROTHIRA |Private retirement plan that taxes income before it is saved, but which does not tax interest on that income when funds are used upon retirement 10 MONEYMARKETDEPOSITACCOUNT |Account that pays relatively high rates of interest, requires a minimum balance, and allows immediate access to money 12 DIVERSIFICATION |Spreading of investments among several different types of accounts to lower overall risk 13 PENSIONPLANS |Company plans that provide retirement income for their workers 14 KEOGHPLAN |Retirement plan that allows self-employed individuals to save a maximum of 15 percent of their income up to a specified amount each year, and to deduct that amount for their yearly taxable income 15 MONEYMARKETFUND |Type of mutual fund that uses investors’ money to make short-term loans to businesses and banks 16 INTEREST |Payment people receive when they lend money or allow someone else to use their money 18 TREASURYBILLS |Certificates issued by the U.S. Treasury in exchange for a minimum amount of $1000 and maturing in 3 months to 1 year END CURRENT CLUES END.