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Glossary

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U

U.S. Savings Bonds
Securities issued by the U.S. Treasury in relatively small denominations for individual investors. Investors who buy U.S. savings bonds in effect make a loan to the government, in return for the government’s promise (represented by the bond, a nontransferable debt certificate) to repay the loan with interest. The interest is free from state and local taxation. U.S. savings bonds are considered to be risk-free investments, since they are backed by the U.S. government. (Also known as savings bonds)
Uncategorized
Unemployment
The number of people without jobs who are actively seeking work.
Unemployment Rate
The number of unemployed people, expressed as a percentage of the labor force.
Unintended Consequences
The unexpected and unplanned results of a decision or action.
Unplanned Spending
Impulsive use of money with little or no consideration of alternatives and resulting in unplanned consequences.
Unsecured Debt
Debt without collateral; credit card debt, for example.
Utility
An abstract measure of the satisfaction consumers derive from consuming goods and services.