community

1. Self-organized network of people with common agenda, cause, or interest, who collaborate by sharing ideas, information, and other resources. Virtual communities consist of participants in online discussions on topics of mutual concern, or of those who frequent certain websites.

2. Cluster of common interests that arise from association.

Plan to borrow money with a business loan instead of using your personal credit card. "For some small business owners, particularly those at startup companies, a personal credit card may be their only or best option for financing expenses," said Luke Reynolds, an FDIC Community Affairs Specialist. "But for many owners, a business loan will be a much less expensive option," he said, because the bank loan will be secured by the business' property or equipment.

• Surplus Wealth