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Finance is the science of funds management. The general areas of finance are business finance, personal finance, and public finance. Finance includes saving money and often includes lending money. The field of finance deals with the concepts of time, money, and risk and how they are interrelated. It also deals with how money is spent and budgeted. One aspect of finance is through individuals and business organizations, which deposit money in a bank. The bank then lends the money out to other individuals or corporations for consumption or investment, and charges interest on the loans. Loans have become increasingly packaged for resale, meaning that an investor buys the loan (debt) from a bank or directly from a corporation. Bonds are debt instruments sold to investors for organizations such as companies, governments or charities. The investor can then hold the debt and collect the interest or sell the debt on a secondary market. Banks are the main facilitators of funding through the provision of credit, although private equity, mutual funds, hedge funds, and other organizations have become important as they invest in various forms of debt. Financial assets, known as investments, are financially managed with careful attention to financial risk management to control financial risk. Financial instruments allow many forms of securitized assets to be traded on securities exchanges such as stock exchanges, including debt such as bonds as well as equity in publicly traded corporations. Central banks, such as the Federal Reserve System banks in the United States and Bank of England in the United Kingdom, are strong players in public finance, acting as lenders of last resort as well as strong influences on monetary and credit conditions in the economy. From Wikipedia under the
GNU Free Documentation License What exactly is a finance charge, and under what circumstances will I need to pay one? Q. Pretty much exactly what the main question says. I have no idea what a "finance charge" is. For instance, would I be charged a finance charge if I charged a purchase, and then paid the balance immediately? Any additional information that could be given would be great, as I'm considering getting my first credit card, and want to know everything I can so that I don't get myself into trouble. Asked by X-Malleus - Sat Sep 6 03:19:30 2008 - - 1 Answers - 0 Comments A. A "finance charge" is the fee you pay the bank for the convenience of them letting you borrow money. Some banks calculate your finance charge based upon your average daily balance within the month, while some calculate based on your balance at the time your invoice closes. When you go about signing up for a credit card, the details will let you know what type of APR you'll be getting. With it being your first credit card, you're likely to get an APR around 20%. That means, the interest you'll be charged YEARLY is 20%. To find what you'd be charged monthly, simply divide it by 12; it would end up being 1.67% per month. As an example, if your balance was $100, your finance charge would be $1.67. That sounds cheap, but just remember,… [cont.] Answered by Izzy - Sat Sep 6 03:36:03 2008 What are the benefits of having a finance degree? Q. And if i major in finance, and graduate with a finance degree, what are my options after i graduate? Like what sort of jobs could I be working? Asked by Str4wb3rry - Thu Aug 13 16:07:12 2009 - - 3 Answers - 0 Comments A. There are a lot of different opportunities. You can work in commercial banking, as a loan officer, and work your way up. You can work for the government as a financial examiner or something of the sort. Also, finance is a fantastic degree if you want to do something with insurance, i.e. a claims adjuster, claims representative, or an underwriter. Finance will also give you the necessary knowledge to go into Real Estate too. So, obviously one of the benefits of having this degree is flexibility. It also easily transitions into an MBA (although not required or necessary.) Another benefit (depending on your school) is that finance is sometimes seen as an applied math degree, just depending on the difficulty of the major at your school. … [cont.] Answered by Jeff - Thu Aug 13 16:15:06 2009 What is the best way to finance a new Apple Macbook ?
Q. I'm set on getting a new Apple Macbook. I've heard that financing through Apple or Barclay as it's called, is horrible. Someone suggested I purchase through Best Buy and finance through them as well. Does anyone have any other suggestions on financing a Macbook or anything to add to Apple and Best Buy financing ? Asked by dreamthesky - Tue Nov 3 13:57:10 2009 - - 2 Answers - 0 Comments A. Someone else was asking about a notebook computer with very specific requirements. I found a dual-core, high clock speed, 3GB RAM, 320GB hard drive, high-end ATI chipset GPU Windows 7 system for less than $500 including tax. That's retail price at Best Buy. I'm not saying you should settle for a PC (heaven forbid!). But notebook computers can be had for less (much less) than $500 now, full retail price, including tax. And these are NOT stripped-down entry level models. I think anybody would be nuts to consider financing the purchase of a notebook computer. Save up a few hundred bucks and buy one. If a few hundred bucks won't buy an Apple Macbook, you need to ask Apple why their hardware is so fricking expensive when nearly… [cont.] Answered by Dave - Tue Nov 3 14:08:22 2009 From Yahoo Answer Search: "Finance"
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