Finance
hideFinance 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.
Finance works most basically through individuals and business organizations depositing 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 sold directly to investors from corporations, while that 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.[dubious – discuss]
Central banks act as lenders of last resort and control the money supply, which affects the interest rates charged. As money supply increases, interest rates decrease.
For more information about Finance, read the full article at
Wikipedia.
This text uses material from Wikipedia and is available under the GNU Free Documentation License.
News tagged with financial
Study: Credit crisis, debt load a double whammy for investment
8 hours ago |
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Firms with heavy long-term debt that came due amid the nation's recent credit crisis slashed investment more than three times as much as companies whose paybacks ducked the meltdown, a new University of Illinois study found.
Failing the sniff test: Researchers find new way to spot fraud
17 hours ago |
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Companies that commit fraud can find innovative ways to fudge the numbers, making it hard to tell something is wrong by just looking at their financial statements. But research from North Carolina State University unveils ...
PayPal courts outside developers
Nov 04, 2009 |
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PayPal has opened its software platform to outside developers in a move designed to unleash a flood of creative uses for the online financial transaction service.
Study shows that sleep disturbances improve after retirement
Nov 02, 2009 |
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A study in the Nov.1 issue of the journal Sleep shows that retirement is followed by a sharp decrease in the prevalence of sleep disturbances. Findings suggest that this general improvement in sleep is likely to result from t ...
'Technology' plays large role in wealth inheritance
Other Sciences / Social Sciences
Oct 30, 2009 |
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A new study reveals the important role inherited wealth plays in sustaining economic inequality in small scale societies. A team of 26 anthropologists, statisticians, and economists based at the Santa Fe Institute in New ...
How will bundling impact dialysis units nationwide?
Oct 30, 2009 |
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The proposed Medicare "bundled" payment system for dialysis is likely to reduce government reimbursements for dialysis units in certain regions of the United States and for some types of facilities, according to research ...
Motorola's shares surge with unexpected profit (Update)
Oct 29, 2009 |
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(AP) -- The turnaround effort long sought at Motorola Inc. finally could be on track.
Yahoo sets out to regain analysts' respect
Oct 28, 2009 |
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(AP) -- With its stock in a three-year funk, Yahoo Inc. set out Wednesday to persuade investors that the Internet company's struggles are nearly over.
Roth IRA conversion not a good fit for all, tax expert says
Oct 26, 2009 |
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Starting next year, anyone can convert retirement savings into tax-advantaged Roth individual retirement accounts, but the much-touted switch isn't for everyone, a University of Illinois expert on tax and elder law warns.
Openings begin in Broadcom backdating case
Oct 23, 2009 |
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(AP) -- A jury was set Friday to hear opening statements in the federal trial of former Broadcom Corp. Chief Financial Officer William Ruehle, who faces conspiracy and fraud charges in an alleged scheme to backdate stock ...
Africa world's fastest growing mobile phone market
Oct 23, 2009 |
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(PhysOrg.com) -- Mobile phone subscriptions in Africa have defied the world economic crisis by growing faster than in any other region of the world since 2003, according to a United Nations report published ...
Taiwan's AU Optronics returns to profit in third quarter
Oct 22, 2009 |
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Taiwan's Au Optronics Corp on Thursday posted a net profit of 7.4 billion Taiwan dollars (228.5 million US) on increased demand and higher product prices following two consecutive quarterly losses.
Installed cost of solar photovoltaic systems in the US fell in 2008
Oct 21, 2009 |
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Researchers at the Department of Energy's Lawrence Berkeley National Laboratory released a new study on the installed costs of solar photovoltaic (PV) power systems in the U.S., showing that the average cost ...
Older workers spend less on necessities and health care
Other Sciences / Social Sciences
Oct 21, 2009 |
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More older Americans are choosing to continue to work or are returning to the labor force. The number of workers age 65 and older is predicted to increase by more than 80 percent by 2016. In an ongoing study, ...
PayPal opening doors to outside developers
Oct 21, 2009 |
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PayPal plans to throw open the doors of its software platform to enable outside developers to build innovative tools using the online financial transaction service.
