Glossary

Glossary definitions provided in part by the Jump$tart Coalition for Personal Financial Literacy.

Dollar-Cost Averaging : A method of investing a fixed amount in the same type of investment at regular intervals, regardless of price.

Dumpster Diving: The activity of looking through others' trash cans for anything that may of value to the looker.

Earned Income : Earnings from employment, including commissions and tips.

Earning Income Tax Credit (EITC): A tax credit for certain people who work and have low wages. A tax credit reduces the amount of tax you owe. The EITC may also give you a refund.

Easy-access credit: Short-term loans granted regardless of credit history, often for very short periods and at high interest rates. (See Pawnshops, Payday loans, Rent-to-own, and Title loans.)

EFC: Expected Family Contribution - The number that's used to determine your eligibility for Federal student financial aid and the amount of aid that you will receive. This number results from the financial information you provided on the FAFSA.

Effect : The result(s) of disputing an irrational belief(s). Noted as "C" for Consequence in the Rational-Emotive model, A-B-C-D. (See Rational-Emotive model)

Egos: The "I" or self of any person; a person as thinking, feeling, and willing, and distinguishing itself from the selves of others and from objects of its thought.

Electronic Funds Transfer (EFT): The shifting of money from one financial institution account to another without the physical movement of cash.

Eligible Educational Institutions: Institutions of higher education that are described in Section 481 of the Higher Education Act of 1965 (20 USC. 1988), as in effect on August 5, 1997, and are eligible to participate in a program under Title IV of such Act.

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