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finance
all the activities that involve locating, collecting, packaging, and redistributing captial
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consumption
using up your money by making a final purchase
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investment
a decision not to spend one's capital for immediate consumption, but to put it to work so that it might produce more capital in the future
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investor
an individual or organization that provides the capital to finance enterprise in the expectation that the enterprise will return more capital in the future
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financial intermediary
a business which acts as a go-between, finding, collecting packaging, and redistributing money from those with spare capital who want to put it to use, to those with ideas and ambitions who need captial
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loan capital or debt capital
money that is lent to a business or individual. A loan must be repaid, usually with interest
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equity capital
money that is given to a business in exchange for a share of the ownership and a share of any profits
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deposit-taking institution
any business, like a bank, that accepts deposits of money from its customers
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deposit
to hand over for save-keeping
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interest
the fees paid to the lender of money for the right to use that money until its repaid
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return of investment or return
the benefit or gain which comes to savers of investors from putting their spare capital into a particular investment
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net interest
the difference between the interest that a bank collects from borrowers, and the interest that it pays to depositors
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investment dealers
financial intermediaries that help businesses raise capital by acting as both advisor and agent in the process of becoming a public corporation, and selling shares to the public
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agent
an individual or an organisation that is hired to advise and represent someone else
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stockbrokers
an individual who manages financial investments for clients by researching the financial markets, monitoring clients investments and providing advise about which shares to buy or sell
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investment bank
the name given to the division of a bank that is involved in investment dealing
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pension
money that a person receives after they retire from work, or after they reach retirement age
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there are two kinds of pensions in canada
public pension and private pension
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public pension
a pension fund operated by a government, where contributions are mandated by law and available to all citizens who have contributed
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private pension
a pension scheme offered by an employer, as a part of an employee's package of pay and benefits
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