MoneyU Glossary of Terms


MoneyU Glossary of Terms


Browse the glossary using this index

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D

Demand

The quantities of a particular good or service that consumers are willing and able to buy at differ­ent possible prices at a particular time.

Deposit Account

An account at a bank or credit union that may pay interest and is usually insured against loss

Disability Insurance

Replaces a portion of income lost when a person cannot work because of illness or injury.

Disclosure Statement

A disclosure statement details the actual cost of a loan, including all estimated interest costs and loan fees. For credit card accounts, this information may be found in the Cardmember Agreement.

Discounting

The process of computing how much you need to set aside today to reach a future amount, based on interest-rate assumptions.

Discretionary Spending

Spending that isnÔÇÖt necessary. This refers to things like magazines, going to the movies, grabbing some fast food for dinner, internet access, gifts for people, clothing, etc.

Disposable income

Gross pay minus deductions for taxes.

Dispute

To question the accuracy of information on a credit report. Disputes can now be effectively resolved online by notifying Equifax.

Diversification

Holding several investments that have different risks. The concept of "Don't put all your eggs in one basket." The chance that a single stock or other investment will lose money is offset by the chances of your other stocks and investments making money.

Dividend Reinvestment

An arrangement that allows dividends on stocks or mutual funds to be used to purchase additional shares of the stock or mutual fund. A way of compounding the return on your investment.

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