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OVER-THE-COUNTER MARKET: A market that trades corporate stocks and other securities using a computerized network of dealers rather than an organized exchange. Over-the-counter market is most often used in reference to the National Association of Securities Dealers. Stocks traded over the counter tend to be smaller, less well-known, technology based firms. Start-up firms often begin offering their stock over the counter, then once established they move to organized exchanges, especially the New York Stock Exchange or the American Stock Exchange.

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DISSAVING

Another term for negative saving the occurs during a given period of time in which consumption expenditures exceed income. Dissaving is only possible by spending past or future income on current consumption. That is, using income saved from previous periods or borrowing income to be earned in future periods. Saving is generally illustrated by the vertical difference when between the consumption line and the 45-degree line. Dissaving results when the 45-degree line lies above the consumption line.

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There were no banks in colonial America before the U.S. Revolutionary War. Anyone seeking a loan did so from another individual.
"Don't waste your effort on a thing that results in a petty triumph unless you are satisfied with a life of petty issues. "

-- John D. Rockefeller, industrialist

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