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Finance studies and addresses the ways in which individuals, businesses and organizations raise, allocate and use monetary resources over time, taking into account the risks entailed in their projects. The term finance may thus incorporate any of the following:
* The study of money and other assets
* The management of those assets
* Profiling and managing project risks
* As a verb, "to finance" is to provide funds for business.

Examples of some basic financial concepts
The activity of finance is the application of a set of techniques that individuals and organizations (entities) use to manage their financial affairs, particularly the differences between income and expenditure and the risks of their investments.

An entity whose income exceeds its expenditure can lend or invest the excess income. On the other hand, an entity whose income is less than its expenditure can raise capital by borrowing or selling equity claims, decreasing its expenses, or increasing its income. The lender can find a borrower, a financial intermediary, such as a bank or buy notes or bonds in the bond market. The lender receives interest, the borrower pays a higher interest than the lender receives, and the financial intermediary pockets the difference.

A bank aggregates the activities of many borrowers and lenders. A bank accepts deposits from lenders, on which it pays interest. The bank then lends these deposits to borrowers. Banks allow borrowers and lenders of different sizes to coordinate their activity. Banks are thus compensators of money flows in space since they allow different lenders and borrows to meet, and in time, since every borrower will eventually pay back.

Finance is used by individuals (personal finance), by governments (public finance), by businesses (corporate finance, etc.) as well as by a wide variety of organizations including schools and non-profit organizations. In general, the goals of each of the above activities are achieved through the use of appropriate financial instruments, with consideration to their institutional setting.

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Finance studies and addresses the ways in which individuals, businesses and organizations raise, allocate and use monetary resources over time, taking into account the risks entailed in their projects. The term finance may thus incorporate any of the following:
* The study of money and other assets
* The management of those assets
* Profiling and managing project risks
* As a verb, "to finance" is to provide funds for business.

1 Examples of some basic financial concepts
2 Personal Finance
3 Business finance
4 Finance of states
5 Financial economics
6 Financial mathematics
7 See also
8 External links

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Personal Finance
Questions in personal finance revolve around
* How much money will be needed by an individual (or a family) at various points in the future?
* How does this money need to be funded?

Personal financial decisions involve paying for education, financing durable goods s.a. real estate and cars, buying insurance, e.g. health and property insurance, investing and saving for retirement.

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Business finance
In the case of a company, managerial finance or corporate finance is the task of providing the funds for the corporations' activities. It generally involves balancing risk and profitability. Long term funds would be provided by equity and long-term credit, often in form of bonds. These decisions lead to the company's capital structure. Short term funding or working capital is mostly provided by banks as line of credit.

On the bond market, borrowers package their debt in the form of bonds. The borrower receives the money it borrows by selling the bond, which includes a promise to repay the value of the bond with interest. The purchaser of a bond can resell the bond, so the actual recipient of interest payments can change over time. Bonds allow lenders to recoup the value of their loan by simply selling the bond.

Another business decision concerning finance is investment, or fund management. An investment is an acquisition of an asset in the hopes that it will maintain or increase its value. In investment management - in choosing a portfolio - one has to decide what, how much and when to invest. In doing so, one needs to
* Identify relevant objectives and constraints: institution or individual - goals - time horizon - risk aversion - tax considerations
* Identify the appropriate strategy: active vs passive - hedging strategy
* Measure the portfolio performance

Financial management is duplicate with the financial function of the accounting profession. However, accounting is concerned with reporting of historical financial information, while the financial decision is directed toward the future of the firm.