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LIABILITY: Something that you owe. The biggest liabilities for most consumers are loans, including mortgages, car loans, credit-card balances, and installment accounts at stores.

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UTILITY

The satisfaction of wants and needs obtained from the use or consumption of goods and services. The terms utility and satisfaction are, for the most part, used interchangeably in economics. The concept of utility is integral to utility analysis, consumer demand theory, and the microeconomic analysis of consumer behavior and market demand.

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Today, you are likely to spend a great deal of time browsing about a thrift store hoping to buy either car battery jumper cables or a dozen high trajectory optic orange golf balls. Be on the lookout for strangers with large satchels of used undergarments.
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The penny is the only coin minted by the U.S. government in which the "face" on the head looks to the right. All others face left.
"You just don't luck into things as much as you'd like to think you do. You build step by step, whether it's friendships or opportunities. "

-- Barbara Bush, first lady

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